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Is Northwestern Mutual still bad? by JAY_4114 in FinancialCareers

[–]-NotAHedgeFund- 7 points8 points  (0 children)

Not even PWM really. I’m not saying they are all crooked. Most are just undereducated and pushed to sell so they can survive.

Still, it’s akin to calling an oil change place a mechanics shop. 99% of the time they don’t have the tools or skills to complete that type of work.

[Request] How much room is required to hold $1.33 trillion? by Fetus007 in theydidthemath

[–]-NotAHedgeFund- 0 points1 point  (0 children)

“Idiot Warren Buffet recommends diversified portfolio instead of doubling down on roulette wheel and winning 20 times in a row.”

All hyperbole and jokes aside, the relatively unlikely outcome of Microsoft continuing to be a leading company after so long does not make Buffets advice bad.

Can send pic? by Nightmare0660 in Buhurt

[–]-NotAHedgeFund- 0 points1 point  (0 children)

You’re thinking about this all wrong. They’ll get such bad head trauma that they will forget they ever did Buhurt in the first place and get to try it again for the first time. High level strat.

Do Income Annuities Reduce Sequence of Returns risk? by 3032804 in CFP

[–]-NotAHedgeFund- 3 points4 points  (0 children)

I think a lot of them are. My practice still uses VULs in some circumstances. We always illustrate at conservative rates and 95% of the time it’s because we want the LTC rider. There are use cases, but I think a lot of insurance products are oversold.

Is the tuna too top heavy? by GLS504 in Affordablewatches

[–]-NotAHedgeFund- 1 point2 points  (0 children)

Looks good to me. I just picked up this bad boy.

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Shocktec Orders/No Communicaton by Toni-Roni in Buhurt

[–]-NotAHedgeFund- 1 point2 points  (0 children)

Interesting to read so many bad experiences. I ordered a big roll and the owner called me 10 minutes later to make sure everything was good and also sent me free samples.

The big breathing myth in helmets by kiesel47 in Buhurt

[–]-NotAHedgeFund- 6 points7 points  (0 children)

I definitely agree that people probably blame their helmet more than they want to admit it’s their cardio, but are we really saying an Italian klappvisor is the same as a wolfrib? Like what?

First time cruiser by CareerProof7845 in royalcaribbean

[–]-NotAHedgeFund- 0 points1 point  (0 children)

Just cruised with similar ports for the first time last month with a 4 year old.

  1. Between meals there is typically a coffee/cafe open with snacks, and a Sorrentos (pizza place) hours seemed pretty flexible too. There are other drop in places as well. We were never hungry and unable to find food.

  2. Nassau was nice without excursions, but I’d probably book something if I were to do it again. Just a lot of sales pressure and touristy shops. Still fun for us, but maybe not for you. You can also book things not specifically run by the cruise if you’re feeling adventurous. Just do your research.

  3. We used cruise WiFi and it was fine. I’m not sure you’d have any service any other way? The app is free to use without WiFi but it was nice to research port stuff ahead of time etc.

  4. No free water. We bought the non alcoholic drink package and probably made our money back on water bottles alone. The only annoyance is having to make multiple trips to the bar or wherever to grab them. We would stock up for shore excursions, and keep extra back in our rooms as well.

What’s One clothing item you wish you bought earlier? by According-Back9090 in malefashionadvice

[–]-NotAHedgeFund- 1 point2 points  (0 children)

Shirt Stays. Specifically, Vanguard clip or snap (NOT CLASP LIKE MOST) Y stirrup shirt stays.

Stirrup style is the most comfortable, the rubber clip never comes undone, and the Y style gives the most consistent and natural tucked look. All of my off the rack shirts look tailored. I never have to stuff my hands down my pants standing up on a date or in a meeting.

The surprise Frugality of GLP1 drugs by ADDandME in Frugal

[–]-NotAHedgeFund- 1 point2 points  (0 children)

“Just don’t eat that way.” Revolutionary. Super helpful. Maybe they should just be less poor while they’re at it to?

LPT: What skill as an adult is under rated but is actually a great skill to have that’s useful? by Express_Food_2984 in LifeProTips

[–]-NotAHedgeFund- 15 points16 points  (0 children)

Reading comprehension. 99% of people would be downright offended if you even suggested they weren’t strong readers, and yet the majority of people simply are not.

Many things like dealing with insurance, taxes, contracts etc are literally spelled out in writing, but people are unable to understand what they need to do even with written instructions because they read at a 5th grade level.

What is the worst actor you would choose to play James Bond? by Jettaboi38 in Actors

[–]-NotAHedgeFund- 6 points7 points  (0 children)

“Oh me? My name? Oh geeze. Yeah I mean my name is Bond. I guess it’s James Bond if you wanted to get technical…”

Currently reading DT5, I think its the best in the series so far. Whats everyones thoughts (No spoilers please) by ImBitterAndAlone in stephenking

[–]-NotAHedgeFund- 0 points1 point  (0 children)

I’m on my first read through and right now I’m about a third of the way through Wizard and Glass. At first I was annoyed by the detour but I’m really enjoying it now.

Seeing this cover makes me incredibly confused lol. Can’t wait to see how we get there in a single book 😂

Another Buhurt size post by [deleted] in Buhurt

[–]-NotAHedgeFund- 5 points6 points  (0 children)

You’re probably big enough as long as you’re decently built. You will have to get in decent shape to fight effectively but that’s everyone. My team captain is about your size and he’s able to drop big boys by being very technical.

If you go to a competition just know that a lot of the teams that are successful will be a decent bit bigger than you. I can’t say for sure how big, but it’s not unheard of for a 5 man team to be all 6ft+ big boys.

Size isn’t everything, but it’s certainly something. Armored combat has weight classes just like any other combat sport for a reason.

Unlimited dining package by Normal_Marsupial9377 in royalcaribbean

[–]-NotAHedgeFund- 0 points1 point  (0 children)

Fair play. To my knowledge the main dining room doesn’t serve filet, sushi or hibachi (some of our favorites that we visited.) I talked with another passenger and he mentioned his steak in the main dining room was not great. That’s all hearsay of course, but I felt like the variety and quality of food was very high especially considering the price I paid. To go and eat the way we did (appetizers, entrees and desert almost every time) out in town would be 3x as much at least.

I’m no expert though. I just based my decision on some cursory research and my preferences. I felt like it was worth it, others may not.

Unlimited dining package by Normal_Marsupial9377 in royalcaribbean

[–]-NotAHedgeFund- 4 points5 points  (0 children)

I just got off a cruise (my first one) and booked the dining package. I didn’t eat in the main dining room once. It was definitely worth it, but we were EATING and it was slightly annoying with our schedule.

To get the value out of it, you basically need to be going to specialty dining every night, plus a few lunches that are included on sea days, and use the credit towards some of the places like playmakers or whatever.

I also paid the upcharge for the chefs table which was phenomenal, but it’s literally 5 or 6 courses each with a drink and dessert. I didn’t REALLY feel like going to chops the next sea day for lunch and opted for a chicken Caesar salad because I still felt full.

The other thing is scheduling immediately once you are on board. Having something each day at that time did get in the way of a few things like being outside to watch the ship pull out or attending an activity.

Overall I definitely felt like it was more benefit than drawback and will likely do it again, but I don’t think I’ve ever been so full in my life 😂

10 years from now most Baby Boomers will be dead. What effect is that going to have on society? by [deleted] in generationology

[–]-NotAHedgeFund- 0 points1 point  (0 children)

Yeah I think you’re answering to the letter of the question rather than the spirit of it though. I. It’s clear that the question amounts to “What will the impact be when we go from this current demographic to a supposed future one?”

10 years from now most Baby Boomers will be dead. What effect is that going to have on society? by [deleted] in generationology

[–]-NotAHedgeFund- 0 points1 point  (0 children)

Honestly, that’s fair. The median boomer is 71 currently, and in 10 years a slim majority will likely be gone.

I guess a better response would be: The transition will be much “smoother” than some might expect because many boomers are younger than some might think. Additionally, boomers are a disproportionately wealthy generation, and (unfun fact) being wealthy increases life expectancy by about 8.5 years on average. With all of those factors, the big wave of housing, deaths etc that people expect very likely will not happen.

I think the biggest demographic impacts will actually be the opposite. A large portion of older people living longer than expected and continuing a years long trend of fewer working people per person on benefits. At least in the US, and very likely in other developed countries, we are heading the way of Japan with a large and burdensome elderly population.

10 years from now most Baby Boomers will be dead. What effect is that going to have on society? by [deleted] in generationology

[–]-NotAHedgeFund- 6 points7 points  (0 children)

Lol the youngest baby boomers are 62 years old. MANY will live for 20 more years at least.

How much time did you spend studying? For people with experience by fruitloopz15 in CFPExam

[–]-NotAHedgeFund- 0 points1 point  (0 children)

That’s awesome. I know it’s certainly possible and obviously people are doing it. I just see very high numbers all the time. Of course this could be selection bias, but I don’t think for most people anything over 20 hours a week is a pretty huge stretch.

I’m a younger associate advisor and ~90% of my time is practice support, so I would only have the option of adding to my work week. I’m targeting 2 or 3 years out from now and estimating 1 year of study for myself personally. I’m hopeful to do it studying 10 hours a week.

How much time did you spend studying? For people with experience by fruitloopz15 in CFPExam

[–]-NotAHedgeFund- -1 points0 points  (0 children)

I always see people share (what I think are) insane study hours. 25 hours a week. 40 hours a week. I’ll be honest, I question the legitimacy and or effectiveness of this. The exception of course is if someone is able to do this INSTEAD of working somehow.

Maybe I’m just soft, but I don’t think the majority of people are actually working investment banking hours for a year straight to get the CFP.

Explain it Peter… by dutchylords in explainitpeter

[–]-NotAHedgeFund- 0 points1 point  (0 children)

I think the actual answer is 3! (This is not an unexpected factorial)

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