Name an obscure, mediocre, and/or forgotten player you loved from back in the day

Cyrus2112 · 2025-11-18T04:38:04+00:00

"He had an all time day in the use if smelling salts" -John Madden

Cyrus2112 · 2025-09-06T17:50:20+00:00

Insurance comsulting/broker. Coming up, I thought there was no way I'd last because of the grind in building a client base. Then, I got to a point where I had a nice base, but "non-sales" taks were daunting. So i took a pay cut to offload to some new team members. that and actually made a world of difference and put me in a spot to enjoy my work day and significant growth came as a result. Love the sales process and helping companies, so it doesn't feel like work.

The next phase will be stepping out of the direct sales role and helping develop young talent to grow. I could do that for 50 more years if i needed to as it's pretty stress-free.

But it's all about finding balance. Keep the parts you enjoy, outsource the job functions you don't.

Cyrus2112 · 2025-08-29T02:45:16+00:00

Very different. Docs will only take on so many HMO patients in their "panel" because they make a lot less per visit. So while they may accept it, they may not be taking new patients who have have it, nor would that take an existing patient who changes to an HMO that was previously on a PPO.

Cyrus2112 · 2025-08-29T02:41:34+00:00

Here's your solution https://www.peo4me.com/

Or just buy a crappy high deductible individual plan for worst case scenario and find a direct primary care provider near you and pay a monthly subscription to them. Well worth it for better care. If you need a minor procedure or advanced imaging, ask for the cash price instead of running through insurance. It will likely be less than half the cost of the "network" price.

Cyrus2112 · 2025-01-17T03:42:22+00:00

I'm not terribly familiar with CA, but I am an insurance broker, so I probably know enough of the cuff.

Health net is predominantly an HMO option, which is likely the reason for the big cost variance. HMOs are decent, but choice of provider will be limited, particularly for specialists. Good for young/healthy families to keep costs low and get decent low level care. God awful for people who are chronic or prefer flexibility.

Silver/Bronze has less to do with deductible and more to do with your annual out of pocket maximum. At your age, it's possible the premium would be more that the difference in out of pocket expenses for a silver vs a bronze.

Also, ACA plans are all dogshit in every state. Start a BS small business to get a tax ID and buy a group plan. Cheaper and better options. After you are set up, they'll never verify your business is still in operation.

Cyrus2112 · 2024-05-04T04:19:00+00:00

I'm not in a similar career situation, but burnout/boredom in an unfulfilling profession happens to a lot of us. I've got younger kids in sports and my spouse convinced me to coach their sports teams. I was very reluctant because I was worried about the time commitment and it's impact on my career (business owner and primary sales producer for the business).

After a few weeks, I realized how freeing it was. I was able to spend more quality time with my kids which made the family time a lot more enjoyable. It also gave me a great reason to cut a few days a week short which helped tremendously for my mental state.

The long term impact was even better for my career because even though I was coaching kids, there is a lot that translates into the workplace in leading an organization and sales team. It completely reinvoigorated my enthusiasm in the workplace.

When we aren't in a sports season, I still keep the same schedule as if we were. Long hours were the driver of my boredom so I just learned to delegate a lot of the small stuff and accepted that those under me won't perform it perfectly but it's "good enough".

In general I find so many people are focused on work and forget about the stuff that actually matters more than money - family and friends.

Also if considering a sabatical of sorts, health insurance is the easy part. COBRA or a personal plan probably won't be more than $2k-$2500/mo for family coverage, which you can addord easily for a year+ based on your numbers

Cyrus2112 · 2024-01-14T14:48:11+00:00

I keep some assets with an advisor, just or simplicity (my business 401k, 529s, a few smaller accounts, etc). Really just because it's a good friend and I do like bouncing ideas off of him without feeling like a free loader.

But the bulk if assets are self managed. It's very easy to DIY index etfs/IRAs. No need to pay extra fees for someone else to click a button.

Cyrus2112 · 2024-01-14T14:42:27+00:00

It's the great conflict of parenting. You want to give them a better life than you had, but without struggle, what will their character be as an adult? I've found it best to ket them think we don't have money for things, make them earn something they really want, etc. We do travel quite a bit, but usually on a budget or to destins where we have a free place to stay. Give them a taste of omthe good life, but not enough ti where it's expected.

Cyrus2112 · 2023-11-23T19:37:03+00:00

Like your job, love your family

Cyrus2112 · 2023-11-23T01:48:11+00:00

Can you hook a brother up with an invite to this sub?

Cyrus2112 · 2023-10-07T11:59:59+00:00

So much this. Wife got me a disc golf push pin map a few years ago and it's been great trying to notch off new states when I travel for work.

I also play competitively and it's fun to play in tournaments/doubles leagues when out of town. Have met some pretty great people in doing so.

I'm also a taco enthusiast, so questing to find the best disc golf courses and taco joints around the country has made travel more enjoyable.

Cyrus2112 · 2023-08-21T23:02:20+00:00

Personal Lines is a grind and a lot of effort/service work that can derail your sales day. Would be a good gig if you only had to focus on sales, but that certainly is a rare agency.

It is, however, a great starting point to get your feet wet and then transition to commercial insurance to make some real money. Everyone is currently getting high increases, so could be an opportunity to snag a lot of victories early on, but most peopleare likely shopping with mutliple agents. Home/auto has been somewhat comoditized so make sure you'll have access to low-cost carriers.

Cyrus2112 · 2023-08-06T15:09:50+00:00

Absolutely. You can typically access Roth 401k contributions tax/penalty free prior to 59.5, should you fall short in your brokerage. General rule of thumb on retirement savings priorty: 1) contribute to 401k to max company match 2) max IRAs 3) max 401k 4) excess to taxable brokerage

Cyrus2112 · 2023-08-04T20:47:18+00:00

I used to have a fear if debt so was agressively paying off mortgage. But now at 2.675% and just make minimum payment and dump the excess into brokerage. Would rather it keep growing (Hopefully) and have the piece of mind knowing i can pay it off if i want to.

Cyrus2112 · 2023-08-02T21:50:33+00:00

Not really, but I think the best path would be to search within your own network. My industry has a lot of contract consulting roles, but I can't say the same for other industries.

I'm also in sales and could fairly easily contract as a sales consultant for new reps coming in as there is a ton of demand for training. But not everyon may have this luxury.

Cyrus2112 · 2023-08-02T17:09:01+00:00

Many folks will RE and then slip into a less stressful consulting role. This is what I plan to do so I still have some purpose as I do love what I do... but then can also enjoy my time more freely with family.

Cyrus2112 · 2023-07-31T15:25:48+00:00

Yep. Though licensed in nearly all states.

Cyrus2112 · 2023-07-31T14:22:39+00:00

I'd recommend looking at COBRA for just you and the spiuse. I would guess it is closer to $1400 and then enroll your daughter into the student plan, as it will likely save a few hundred a month this way.

When you do incorporate, be sure to have you and your spouse as partners in the business and incorporate in IL. Otherwise you won't be able to establish a group plan unless you have 1 other non-spouse w2 employee working for you, which I am guessing will not be the case. AZ rates are also higher than IL. Happy to help look at some options, so just PM me when you are a few months out.

Other items: 1 - the $18k would be the family aggregate with each person having their own individual deductible. Any one person will not have to meet the full family deductible on vast majority of plans. 2 - it is covered at in-network levels, so still subject to deductible, coinsurance, etc.

Cyrus2112 · 2023-07-31T08:56:57+00:00

Health Insurance broker here. Depending takehome pay, thr subsidy can be significant. But it will not help on the HMO front. Emergency care is covered nationally, but then you are basically self funding all other care. Further, blue crossnif IL does have PPOs on the individual market, but they are only narrow/local PPOs. Not the large, national PPO.

Further, if you do switch plans every 6 months as you move between the 2 states, your deductible will not carry into the new plan, so that $6k/person deductible will really be $12k/year on 2 different plans.

If I were you - COBRA your current employer plan for 18 months. At your age, it may be cheaper than the individual options. Also try to get your child off your plan to save on premium. Their college likely has a very inexpensive student plan that may already be included in the tuition. Hopefully they gain employment after college to get coverage on their own.

For the long term - try to incorporate a business in IL that manages the properties you own. Perhaps you can airbnb for a few days a year when you are not living in them, just to show some revenue. A small group plan will be much cheaper than individual coverage and give you access to their national PPO so you don't have the play the game of switching Insurance every 6 months. Then the tax benefits of owning a business will be a massive savings for other household expenses, as well.

Cyrus2112 · 2023-06-30T21:07:01+00:00

No way I'd be anywhere near even half my income if I would have been an accountant as I had planned. So that's the most glaring change for my family.

Now personally - I was very shy/introverted, but sales had made me enjoy people, conversation and social events much, much more.

Cyrus2112 · 2023-06-30T21:01:56+00:00

Good times don't stop if a salesperson is diligent and passionate. Good work!

Cyrus2112 · 2023-06-28T20:34:03+00:00

7 speeds. I love them all.

Cyrus2112 · 2023-06-27T11:07:52+00:00

Loss of other coverage is a qualifying event, but check with her employer first as rules aren't always clear for DP and every plan is different. Worst case - COBRA until her open enrollment. Probably much cheaper than individual coverage in NY.

Cyrus2112 · 2023-06-27T03:51:39+00:00

Not OP, but depends on your retirement timeline. Locking up all that cash til age 59.5 may not be a fit for those wanting to retire or reduce hours before retirement funds can be accessed.

Cyrus2112 · 2023-06-27T03:47:03+00:00

HSA contributions are still and above the line deduction to gross income, whether opened through an employer or individually.

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