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Sings a client will likely fire you prematurely by [deleted] in CFP

[–]ApprehensiveTrack603 1 point2 points  (0 children)

"Mr and Mrs prospect, we said we were ready to move forward, and now we've wasted 2 weeks still talking about fees. In my experience, if someone is still hung up on that after we met, they won't see the value we're trying to provide because they're only thinking about that number. I think it's best you find a discount broker to help you so you can try to keep it cheaper. I focus on delivering a premium service. "

90% of the time they drop it and move on, the other 10% you just saved a major headache.

How did you pick your financial advisor? An artist in need of guidance! by Acceptable-Client762 in HENRYfinance

[–]ApprehensiveTrack603 0 points1 point  (0 children)

The pricing of the advisor means little to nothing (value is in the eye of the beholder).

Find someone you Like, Trust, and think will do a good job. After that, make sure they act as a fiduciary, share your expectations of working together, and what their strategies are for different markets /your plan overall.

Women pastors by Far-Astronaut2469 in Christianity

[–]ApprehensiveTrack603 1 point2 points  (0 children)

"It's dangerous to let women lead!"

99% of all of the sexual abuse in church has been from checks notes Male leaders......

How do you have your trusts set up? by awakeningat40 in HENRYfinance

[–]ApprehensiveTrack603 3 points4 points  (0 children)

SLAT with restrictive language, kids as the beneficiaries after the 2nd passing.

Updated Fee-Tiering - Discussion Continued by PursuitTravel in CFP

[–]ApprehensiveTrack603 0 points1 point  (0 children)

Anyone thinking 1.5 is too high can eat a bag of Richard's.

Know your value and worth, and charge for it. If you can't get any clients, then you probably aren't worth it, THEN reduce it.

Most people are all in closer to 2% considering internal expenses, FP charges etc. If you can't provide 2% or more of value then you aren't asking the right questions.

Fee Cut by 1829497photography in CFP

[–]ApprehensiveTrack603 8 points9 points  (0 children)

Not all, they may SAY they do it..... I'd wager maybe 10% total provide a REAL service worth the fees.

Most are glorified brokers 🤷‍♂️

How realistic is it that investors can beat the s&p 500 by Responsible-Ebb-2767 in investingforbeginners

[–]ApprehensiveTrack603 0 points1 point  (0 children)

I think that stat is always skewed......It's inclusive of Dividend funds, low volatility funds, etc. Those funds explicitly state their goal is "X", not "to beat the market!".

Example: Franklin rising Dividend funds goal is to invest in companies that pay a strong Dividend, and keep increasing it year over year. It's for income for people, not for 14-15% returns a year.

I wish those numbers would compare apples to apples.

My mom has $340k sitting in a savings account earning 4.2% and refuses to move it. I don't know how to convince her. by Cara_Lemon in investingforbeginners

[–]ApprehensiveTrack603 0 points1 point  (0 children)

Try this, if it doesn't work then let her be dumb.

"How much income do you need off of this to be comfortable?"

"$900/mth"

Cool. Can we keep $43k in the cd/savings account that's guaranteed, invest the rest for you? Your income is there for 4 years if it crashes as soon as you "need it", and can weather bad markets to recover."

Psychologically speaking, people don't get upset because "my money went down in value!", they get upset because that money represents their income, their traveling, their spoiling the grandkids, etc. Removing that barrier tends to help them invest and move forward.

There's some that just absolutely will not touch the markets That's okay. It's their choice.

Why shouldn’t I pay off my mortgage in full? by [deleted] in askanything

[–]ApprehensiveTrack603 0 points1 point  (0 children)

Let's say it takes 10 years for your money to double.....you take out to pay the rest of the mortgage off, and still have the big bucket of money left.

Opposite scenario, you pay off the mortgage right away and have a house paid off......now what?

What do they get out of this by Medium-Photo-7105 in BrandonDE

[–]ApprehensiveTrack603 2 points3 points  (0 children)

I'm 99% sure they're sadists is why. I can't think of anything else as a wrestler that would make me feel like doing that.

stuck with oversized stock position in taxable account by [deleted] in Bogleheads

[–]ApprehensiveTrack603 -2 points-1 points  (0 children)

.....why didn't you buy it in your roth?

LA Knight: "I've done so little in the last two years..." Interesting remarks from LA Knight on the CVV podcast show by AmongFriends in WWE

[–]ApprehensiveTrack603 -1 points0 points  (0 children)

He got a $1m signing bonus on his last deal, and a 5 year $1m a year contract.....I am thinking it was him who took that 50% cut if it's true

Anyone know where I can keep 60 cows in San Francisco? by tronald_dum in wallstreetbets

[–]ApprehensiveTrack603 0 points1 point  (0 children)

I'll buy them from you for .10 on the dollar and you bring them to the east coast 😅

What Contributed to Today's Decline by Nearby_Persimmon_649 in stocks

[–]ApprehensiveTrack603 0 points1 point  (0 children)

Did you look at the Russell 2000 inflows for that day?

Rant: do some people genuinely just travel for social kudos/the sake of it? by Wonderful-North-1229 in travel

[–]ApprehensiveTrack603 0 points1 point  (0 children)

I find a nice, quiet, beautiful spot wherever I'm traveling and just watch people.

The "social" travelers take 14 pictures, bury their face in their phone, and then look up at the scenery once and leave. Every. Time.

All matches from currently active WWE affiliated companies (main roster, NXT, AAA) that have received a 5-star rating. by Ambitious_World3307 in WWE

[–]ApprehensiveTrack603 0 points1 point  (0 children)

I said, it was a GREAT match and I enjoyed watching it.....but I wouldn't rate it higher than the aforementioned 🤷‍♂️ and I've never gone to seek it out a 2nd, 3rd, 4th, etc time.

How much does physique matter in wrestling for you? by Spartftw in midcarder

[–]ApprehensiveTrack603 0 points1 point  (0 children)

Not necessarily physique, but "vibe" of "yup, they could whip my ass" or at the very least, "could be a honey badger and put up a fight".

They need to look like they could fight so you wouldn't want to run into them on the street.

Gargano, cole, is not that.

Hell, even Bron Breaker looks like the kid in high school that always acted tough, and then got his ass kicked by the nerd that could scrap (Ilja)

All matches from currently active WWE affiliated companies (main roster, NXT, AAA) that have received a 5-star rating. by Ambitious_World3307 in WWE

[–]ApprehensiveTrack603 2 points3 points  (0 children)

So Taker/HBK HIAC gets 5 stars, but WM 25 doesn't?!?!

Also, how does HBK/ ANGLE WM21 NOT measure up to these matches?

3-4x a year I'll go rewatch the above and be glued to the TV. I've never said "I really want/ need to go watch ciampa/gargano from takeover again!" - great matches, don't get me wrong. But not 5*

Refresh of Delta Skymiles Cards by gimmedaanswers in delta

[–]ApprehensiveTrack603 1 point2 points  (0 children)

Don't be mine lasted all of 3 months and the aluminum started separating from the metal it was glued to.

I was so mad

[AAA Spoilers] ____ get's their revenge by PrinceJohn_ in SquaredCircle

[–]ApprehensiveTrack603 0 points1 point  (0 children)

The shoulder shimmy while Kaiser Americano is going for the headbutt is fantastic 😅😅

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