u/Sea-Anything-3393

Have about $80,000 saved in the bank and looking for some feedback on how to allocate it and invest it.

Here’s how I’m currently thinking of splitting it up:

• UIF Savings Account: $25,000 (3.56% profit rate / 3.62% APY)
• UIF 12-Month Time Deposit (CD): $20,000 (3.74% profit rate / 3.79% APY)
• AMAGX (Amana Growth Fund - Mutual Fund): $15,000
• HALA + SPUS (ETFs): $10,000
• UMMA (International ETF): $10,000

That would put $45,000 in UIF savings/time deposits and $35,000 into investments.

I’m wondering if this is a reasonably diversified allocation or if I’m keeping too much in cash/low-risk accounts.

A few questions:

• Is this reasonably diversified, or is too much sitting in cash/low-risk accounts?
• Is putting $35,000 into U.S. stocks and an international ETF too risky?
• How would you change the amounts? Would you put more or less into the ETFs and mutual funds?
• Would you put more or less into the ETFs/mutual funds?
• Are there any other ETFs, mutual funds, or other investments worth considering?

Also, for anyone who has experience with UIF’s Savings Account or 12-Month Time Deposit, how has your experience been with them?

I’m Muslim, so I’m trying to keep my investments aligned with Islamic investing principles. This generally means avoiding interest-based investments and companies involved in industries such as alcohol, gambling, and tobacco. While this narrows some of the mainstream choices, but there are alternative funds and ETFs that follow these guidelines and perform competitively with other investments.

Have about $80,000 saved in the bank and looking for some feedback on how to allocate it and invest it.

Here’s how I’m currently thinking of splitting it up:

• UIF Savings Account: $25,000 (3.56% profit rate / 3.62% APY)
• UIF 12-Month Time Deposit (CD): $20,000 (3.74% profit rate / 3.79% APY)
• AMAGX (Amana Growth Fund - Mutual Fund): $15,000
• HALA + SPUS (ETFs): $10,000
• UMMA (International ETF): $10,000

That would put $45,000 in UIF savings/time deposits and $35,000 into investments.

I’m wondering if this is a reasonably diversified allocation or if I’m keeping too much in cash/low-risk accounts.

A few questions:

• Is this reasonably diversified, or is too much sitting in cash/low-risk accounts?
• Is putting $35,000 into U.S. stocks and an international ETF too risky?
• How would you change the amounts? Would you put more or less into the ETFs and mutual funds?
• Would you put more or less into the ETFs/mutual funds?
• Are there any other ETFs, mutual funds, or other investments worth considering?

Also, for anyone who has experience with UIF’s Savings Account or 12-Month Time Deposit, how has your experience been with them?

I’m Muslim, so I’m trying to keep my investments aligned with Islamic investing principles. This generally means avoiding interest-based investments and companies involved in industries such as alcohol, gambling, and tobacco. While this narrows some of the mainstream choices, but there are alternative funds and ETFs that follow these guidelines and perform competitively with other investments.

Have about $80,000 saved in the bank and looking for some feedback on how to allocate it and invest it.

Here’s how I’m currently thinking of splitting it up:

• UIF Savings Account: $25,000 (3.56% profit rate / 3.62% APY)
• UIF 12-Month Time Deposit (CD): $20,000 (3.74% profit rate / 3.79% APY)
• AMAGX (Amana Growth Fund - Mutual Fund): $15,000
• HALA + SPUS (ETFs): $10,000
• UMMA (International ETF): $10,000

That would put $45,000 in UIF savings/time deposits and $35,000 into investments.

I’m wondering if this is a reasonably diversified allocation or if I’m keeping too much in cash/low-risk accounts.

A few questions:

• Is this reasonably diversified, or is too much sitting in cash/low-risk accounts?
• Is putting $35,000 into U.S. stocks and an international ETF too risky?
• How would you change the amounts? Would you put more or less into the ETFs and mutual funds?
• Would you put more or less into the ETFs/mutual funds?
• Are there any other ETFs, mutual funds, or other investments worth considering?

Also, for anyone who has experience with UIF’s Savings Account or 12-Month Time Deposit, how has your experience been with them?

I’m Muslim, so I’m trying to keep my investments aligned with Islamic investing principles. This generally means avoiding interest-based investments and companies involved in industries such as alcohol, gambling, and tobacco. While this narrows some of the mainstream choices, but there are alternative funds and ETFs that follow these guidelines and perform competitively with other investments.

Have about $80,000 saved in the bank and looking for some feedback on how to allocate it and invest it.

Here’s how I’m currently thinking of splitting it up:

• UIF Savings Account: $25,000 (3.56% profit rate / 3.62% APY)
• UIF 12-Month Time Deposit: $20,000 (3.74% profit rate / 3.79% APY)
• AMAGX (Amana Growth Fund - Mutual Fund): $15,000
• HALA + SPUS (ETFs): $10,000
• UMMA (International ETF): $10,000

That would put $45,000 in UIF savings/time deposits and $35,000 into investments.

I’m wondering if this is a reasonably diversified allocation or if I’m keeping too much in cash/low-risk accounts.

A few questions:

• Is this reasonably diversified, or is too much sitting in cash/low-risk accounts?
• Is putting $35,000 into U.S. stocks and an international ETF too risky?
• How would you change the amounts? Would you put more or less into the ETFs and mutual funds?
• Would you put more or less into the ETFs/mutual funds?
• Are there any other ETFs, mutual funds, or other investments worth considering?

Also, for anyone who has experience with UIF’s Savings Account or 12-Month Time Deposit, how has your experience been with them?

Have about $80,000 saved in the bank and looking for some feedback on how to allocate it and invest it.

Here’s how I’m currently thinking of splitting it up:

• UIF Savings Account: $25,000 (3.56% profit rate / 3.62% APY)
• UIF 12-Month Time Deposit: $20,000 (3.74% profit rate / 3.79% APY)
• AMAGX (Amana Growth Fund - Mutual Fund): $15,000
• HALA + SPUS (ETFs): $10,000
• UMMA (International ETF): $10,000

That would put $45,000 in UIF savings/time deposits and $35,000 into investments.

I’m wondering if this is a reasonably diversified allocation or if I’m keeping too much in cash/low-risk accounts.

A few questions:

• Is this reasonably diversified, or is too much sitting in cash/low-risk accounts?
• Is putting $35,000 into U.S. stocks and an international ETF too risky?
• How would you change the amounts? Would you put more or less into the ETFs and mutual funds?
• Would you put more or less into the ETFs/mutual funds?
• Are there any other ETFs, mutual funds, or other investments worth considering?

Also, for anyone who has experience with UIF’s Savings Account or 12-Month Time Deposit, how has your experience been with them?

I tip when I get a delivery order. Shipping is free, it’s usually just one item, there isn’t an option to add a tip, and I’m also usually not home. I figure it still helps create business and income for Spark drivers, but I don’t want a Spark driver to think I’m not tipping them. Do Spark drivers know if they’re delivering an order versus a shipping item?

I tip when I get a delivery order. Shipping is free, it’s usually just one item, there isn’t an option to add a tip, and I’m also usually not home. I figure it still helps create business and income for Spark drivers, but I don’t want a Spark driver to think I’m not tipping them. Do Spark drivers know if they’re delivering an order versus a shipping item?

I tip when I get a delivery order. Shipping is free, it’s usually just one item, there isn’t an option to add a tip, and I’m also usually not home. I figure it still helps create business and income for Spark drivers, but I don’t want a Spark driver to think I’m not tipping them. Do Spark drivers know if they’re delivering an order versus a shipping item?

I tip when I get a delivery order. Shipping is free, it’s usually just one item, there isn’t an option to add a tip, and I’m also usually not home. I figure it still helps create business and income for Spark drivers, but I don’t want a Spark driver to think I’m not tipping them. Do Spark drivers know if they’re delivering an order versus a shipping item?

I’m getting mixed answers. Some people are saying I shouldn’t drive my car at all, while others are saying there’s only really a risk if I’m directly and literally breathing in the exhaust from the tailpipe or if I’m idling. Until I figure out what I’m going to do, would it be worth using a carbon monoxide detector in the car because of the broken flex pipe? And does anyone have any recommendations for a good one?

Also is it safe to drive with a broken flex pipe? And how does carbon monoxide poisoning occur?

 For reference, my mechanic previously quoted me around $1,000 for the repair, but I didn’t have the money available at the time. The reason it’s so expensive is because the replacement part includes both the flex pipe and the catalytic converter together. Welding is an option, but it would only be a short-term fix and will eventually fail again.

Looking to buy a carbon monoxide detector for car camping. I came across the Lunarlipes Portable Carbon Monoxide Detector (PTH-10D), but it won't arrive for another 1–2 weeks.

Does anyone have any recommendations that I can buy on Amazon with fast shipping or pick up in-store within the next few days?

I also came across the Kidde AA Battery-Powered Carbon Monoxide Detector (COBD) and the Outdoor-Forest Brand, Carbon Monoxide Detector, Orange Color, LCD Screen from Walmart, but I'm not sure how well a standard home CO detector works inside a car while camping. Has anyone used one, or is there a better option?

Looking to buy a carbon monoxide detector for car camping. I came across the Lunarlipes Portable Carbon Monoxide Detector (PTH-10D), but it won't arrive for another 1–2 weeks.

Does anyone have any recommendations that I can buy on Amazon with fast shipping or pick up in-store within the next few days?

I also came across the Kidde AA Battery-Powered Carbon Monoxide Detector (COBD) and the Outdoor-Forest Brand, Carbon Monoxide Detector, Orange Color, LCD Screen from Walmart, but I'm not sure how well a standard home CO detector works inside a car while camping. Has anyone used one, or is there a better option?

Looking to buy a carbon monoxide detector for car camping. I came across the Lunarlipes Portable Carbon Monoxide Detector (PTH-10D), but it won't arrive for another 1–2 weeks.

Does anyone have any recommendations that I can buy on Amazon with fast shipping or pick up in-store within the next few days?

I also came across the Kidde AA Battery-Powered Carbon Monoxide Detector (COBD) and the Outdoor-Forest Brand, Carbon Monoxide Detector, Orange Color, LCD Screen from Walmart, but I'm not sure how well a standard home CO detector works inside a car while camping. Has anyone used one, or is there a better option?

Looking to buy a carbon monoxide detector for car camping. I came across the Lunarlipes Portable Carbon Monoxide Detector (PTH-10D), but it won't arrive for another 1–2 weeks.

Does anyone have any recommendations that I can buy on Amazon with fast shipping or pick up in-store within the next few days?

I also came across the Kidde AA Battery-Powered Carbon Monoxide Detector (COBD) and the Outdoor-Forest Brand, Carbon Monoxide Detector, Orange Color, LCD Screen from Walmart, but I'm not sure how well a standard home CO detector works inside a car while camping. Has anyone used one, or is there a better option?

Looking to buy an air pad and go car camping. I drive a sedan, so I'm thinking about renting either a Mazda CX-50 or a Nissan Rogue. The only issue is that when you fold the rear seats down, there's usually a bump or uneven surface instead of a flat sleeping area. How do people usually fix that?

Looking to buy an air pad and go car camping. I drive a sedan, so I'm thinking about renting either a Mazda CX-50 or a Nissan Rogue. The only issue is that when you fold the rear seats down, there's usually a bump or uneven surface instead of a flat sleeping area. How do people usually fix that?

Looking to buy an air pad and go car camping. I drive a sedan, so I'm thinking about renting either a Mazda CX-50 or a Nissan Rogue. The only issue is that when you fold the rear seats down, there's usually a bump or uneven surface instead of a flat sleeping area. How do people usually fix that?

Looking to buy an air pad and go car camping. I drive a sedan, so I'm thinking about renting either a Mazda CX-50 or a Nissan Rogue. The only issue is that when you fold the rear seats down, there's usually a bump or uneven surface instead of a flat sleeping area. How do people usually fix that?

Looking to buy an air pad and go car camping. I drive a sedan, so I'm thinking about renting either a Mazda CX-50 or a Nissan Rogue. The only issue is that when you fold the rear seats down, there's usually a bump or uneven surface instead of a flat sleeping area. How do people usually fix that?

Looking to buy an air pad and go car camping. I drive a sedan, so I'm thinking about renting either a Mazda CX-50 or a Nissan Rogue. The only issue is that when you fold the rear seats down, there's usually a bump or uneven surface instead of a flat sleeping area. How do people usually fix that?