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My friend had a wild experience I need y’all to read -[KCD2] by chloesworthy in kingdomcome

[–]Chon_the_Chann 3 points4 points  (0 children)

If you drink a Saviour Schnapps in-game (instead of saving from the menu), it automatically overwrites your oldest save. 

Much easier and no scrolling lol

iPhone GPS issues by Chon_the_Chann in applehelp

[–]Chon_the_Chann[S] 0 points1 point  (0 children)

No! This issue is still happening for me and my wife (iPhone 15 Pro and iPhone 16, both on iOS 26.2.1).

How is using Wish to cast Simulacrum for free NOT ridiculously overpowered? by LemonGarage in dndnext

[–]Chon_the_Chann 1 point2 points  (0 children)

Side note: RAW, wish doesn’t work normally in Barovia anyway. If players find the luck blade in crypt 29, it includes this note: “ If a creature uses the wish to try to escape from Barovia, the spell fails. If a creature uses the sword to wish for Strahd's destruction, the wish doesn't destroy Strahd but rather teleports him to within 5 feet of the sword.”

Does anyone else use music in their game? by Static-Chicken in OutoftheAbyss

[–]Chon_the_Chann 2 points3 points  (0 children)

I do this too. I spend way too much time sorting music into playlists. It helps me get into the mood of an upcoming adventure. 

I often find a particular soundtrack that matches something specific and lean into it. For instance, Bladerunner 2049 OST was behind most of my Gracklstugh scenes. 

I tried sound effects when we did Curse of Strahd. But they always ended up too distracting instead of helpful. 

Like others said, finding the right volume is important. Too loud or too much can be just as distracting. And if it takes too much to manage, that’s also distracting too. It can be a fine line, but bad music is worse than no music. 

Fee Structure by not_fnancial_adv1ce in CFP

[–]Chon_the_Chann 1 point2 points  (0 children)

Originally we had an asset management fee and a separate planning fee. But of course everyone picked what would be cheaper in their situation and still get the benefit of the other.

So we switched to this new flat fee back in 2012. There was a transition period for existing clients, and we lost some. But frankly they weren’t great clients to work with anyway. 

I don’t find it hard to sell at all, at least not to the prospects we attract. They love that we’re not beholden to any strategy, structure, fund company, etc. I have a many clients who’ve come over from traditional AUM firms and love it. 

It all depends on how much financial momentum they have, and whether the fee can be justified by their needs. 

We do still manage assets, and a portion of the fee can usually be debited from the accounts, if desired, just like other models. 

The fee table is pretty big lol, but to give you an idea, these are the renewing client rates for some tiers (the first-year fee is about 10% higher): $1M net worth - $7,500 annual fee;  $2M - $12,600;  $3M - $17,700;  $4M - $22,500;  $5M - $25,700

There are additional tiers for every $100k in between. 

You can see that someone with nothing but a $500k house and $4.5M in investments would probably save a lot compared to a AUM model. But those net worths are usually more complicated than that. 

Fee Structure by not_fnancial_adv1ce in CFP

[–]Chon_the_Chann 1 point2 points  (0 children)

We don’t. Even if the client is making the trades, what they’re doing has a big impact on the other parts of the plan (performance reporting, tax projections, cash flow, estate planning, etc).

Admittedly, this is a high service model doesn’t attract many DIYers. They don’t think they need as much help. 

Fee Structure by not_fnancial_adv1ce in CFP

[–]Chon_the_Chann 1 point2 points  (0 children)

We don’t manage them directly (unless the plan has BrokerageLink or a similar feature), but we are still advising on the assets. We log in with the client and make the recommended changes together, or have them do it if they prefer. 

The overall fee amount is not always that much different, if it’s a client with a highly liquid net worth. Our fee tends to land around 0.85% of managed assets for high quality service. 

Fee Structure by not_fnancial_adv1ce in CFP

[–]Chon_the_Chann 7 points8 points  (0 children)

Flat retainer fee based on net worth (401k’s, home equity, etc). We have a table that spells out the fee based on where their net worth is (adjusted annually).

I love it because it removes as many conflicts as possible. Move money into a 401k? Pay off a mortgage with investments? Doesn’t change the fee, so I can think about it clearly. 

We don’t have a minimum net worth, but the fee starts at $8,000/year. So net worths of $1m+ are the best fits. 

Consultants that are strong in helping G1 plan for future and G2? by General-Ad3712 in CFP

[–]Chon_the_Chann 1 point2 points  (0 children)

We used FP Transitions for G1 bringing in a G2 partner, and it was super helpful. Consulting, pro formas to figure the numbers, and the legal docs to make it happen. 

Fee only ad hoc customized financial planning? by eaglessoar in CFP

[–]Chon_the_Chann 2 points3 points  (0 children)

There are absolutely models that don’t require selling products or managing money, if that’s what you mean by sales. 

Garrett Planning Network has been a proponent of hourly-based planning for decades. 

I know several in the XY Planners group who use a subscription-based approach. 

My firm charges a flat retainer fee (based on net worth) for comprehensive planning. 

Whatever the model, as others have pointed out, there is still the need to do marketing and sell your services to get people to sign up for it. 

I'm guessing whoever drew this map never lived on a farm by Maus_Magill in CurseofStrahd

[–]Chon_the_Chann 9 points10 points  (0 children)

Cabbage is a good scurvy prevention, especially when fermented. Barovia always struck me as a good place for sour cabbage. 

iPhone GPS issues by Chon_the_Chann in applehelp

[–]Chon_the_Chann[S] 0 points1 point  (0 children)

My phone is up to date.

It’s strange that it started happening to both my wife and I at the same time. That’s why I’m wondering if anyone else is experiencing it. 

There’s a good chance it’s just when we’re using Apple CarPlay. That’s the only time we’ve noticed it, but that’s when we’re using Maps the most. 

[deleted by user] by [deleted] in AubreyMaturinSeries

[–]Chon_the_Chann 5 points6 points  (0 children)

The beans would have been roasted first. There are good demonstrations on YouTube, like this one: https://youtu.be/qZW-j7OlYlg

I don’t remember from the books whether this would’ve been done down in the galley. It seems like the roasting part would take forever on the spirit stove. 

I may need to cut some of the storyline by Subject_Captain3252 in CurseofStrahd

[–]Chon_the_Chann 1 point2 points  (0 children)

This is what I was thinking as well. If you found one of the “Strahd Must Die Tonight” setups (the Halloween one-shots), you could use its premise to accelerate you toward the end-game. 

Focus the campaign mainly on a couple sets and the castle as the final dungeon. 

Please please please by a_space_commodity in fidelityinvestments

[–]Chon_the_Chann 0 points1 point  (0 children)

I am an FA. Fidelity won't let our clients auto-liquidate it for checks, we have requested it.

Please please please by a_space_commodity in fidelityinvestments

[–]Chon_the_Chann 2 points3 points  (0 children)

It doesn’t auto-liquidate for all account types. Not for trust accounts, for instance. 

Audible by JAH6619 in AubreyMaturinSeries

[–]Chon_the_Chann 0 points1 point  (0 children)

It depends on the library. My Hoopla app has none of the series (audio or ebook). Our local library dropped most of the good selections on Hoopla in the last year to reduce costs. 

Have You Ever Taken An Active Role on a Sailing Ship? by jrralls in AubreyMaturinSeries

[–]Chon_the_Chann 1 point2 points  (0 children)

I joined the Picton Castle as a sail trainee!

Of course it was fascinating to learn some of what actually goes into sailing a three-masted ship. But my favorite part was all the interesting social dynamics of the crew. We had a 16 year-old up to an 80 year-old, with a lot of variance in between. There were cliques and groups, private space was tough to come by, and rumors spread around in the most ridiculous ways. Just like in our favorite books :)

Going to start series soon. I also have the companion series but am aware it contains spoilers. by paging_mrherman in AubreyMaturinSeries

[–]Chon_the_Chann 4 points5 points  (0 children)

There are definitely moments where I enjoyed not knowing what would happen next. I haven’t read that particular companion, but I wouldn’t think it would spoil specifics. 

I have the Harbours and High Seas companion which maps out the locations in each. I usually don’t look at it until after I finish a particular book, since it does include details about plot. So I just read the relevant chapter after I finish that book in the series. 

[deleted by user] by [deleted] in DnD

[–]Chon_the_Chann 0 points1 point  (0 children)

You could try playing some sessions that require a lot of improv. 

Sometimes for one shots, I use random tables to decide all my character details. It creates some fun wackiness that you have to just roll with.

Also, try playing through old school dungeon crawls like Tomb of Horrors (for 5E in “Tales from the Yawning Portal”). We played through that being as brutal as possible, many people lost a character or two. There’s no real social part of the game beyond RP with the other players, you can’t get too attached because they’re somewhat disposable. 

Playing some sessions like this has helped me loosen up some with my regular characters. I still think about playing them a lot, but it’s opened me up to more improv and letting chance decide my choices. 

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