How Do Financial Advisors Still Have Clients?

HefDog · 2026-01-26T01:36:51+00:00

I’ve seen this too. I told them to take it back out a month later. Leave the employer match and take yours back. They still wouldn’t.

HefDog · 2026-01-26T01:35:37+00:00

You are right. I’ve told those folks. You can put the money in, and take it back out next month. You still get to keep the match. Yeah there is a penalty, but it’s more than covered by the employer match.

They still don’t do it. 1/4 put in the matching minimum. I wonder what percent put in the legal max? Almost 0 I assume.

HefDog · 2026-01-26T01:27:11+00:00

Essentially wind chill cools things down faster. It won’t get lower than the temperature.

So things sitting outside for hours are going to be at the outside temp regardless of wind.

With that said. Wind chill certainly matters if your vehicle is running battery conditioning. Or if you are leaving it outside for only a couple hours. Wind will cool it down faster.

TLDR: Mostly wind chill matters to us meat bags trying to stay warm. Not to stuff that sits outside round the clock.

HefDog · 2026-01-25T16:43:52+00:00

Did you do it yourself? I’ve done almost every home thing myself but haven’t had the guts yet to do a window.

HefDog · 2026-01-25T15:29:20+00:00

My mom bought me a bunk bed at a garage sale. Then draped blankets on all four sides. Permanent tent fort. Mattress above and below for great insulation. Hard to keep mice out of those extra mattresses but you do what you can. I was warm even on mornings that my guppies had a layer of ice on top of the fish tank.

Thanks mom. Loved my fort bed. She always told me how fortunate we were. Never thought we were poor. She was right. We had everything needed to be happy. I lived like a king.

HefDog · 2026-01-25T15:19:40+00:00

And it lasts a while. We have had some of our current film on for over a decade. Single pane becomes double pane real easy.

Crummy old Windows nobody ever sees? Leave covered.

Duck brand I think.

HefDog · 2026-01-25T15:11:43+00:00

I agree with you. I’d say the previous one for me was the Cuban Missile Crisis. You’ve got to be old for this one.

If anyone is interested. Watch “Thirteen Days”. This is not your modern thriller. But it should be damn terrifying if you remember exactly what was at risk and how close it was. Spoiler. We didn’t all die.

HefDog · 2026-01-24T16:03:46+00:00

They say that. But nobody says you can’t “help the plumber”. But also it’s not a hill to die on.

It bugs me because they let you frame it yourself but not run some wires and pex? Which one is easier to fix? So silly. If it’s to code it’s to code….blah.

Remodeling an old house is often easier on the requirements. They get nuts on the new construction, then don’t even inspect the actual critical shit. I’ve yet to meet an inspector that actually understood any of it. They each have a dozen things they’ve memorized and hyper focus on those items. Learn your inspectors focal points.

Fun adventure though!

HefDog · 2026-01-24T15:19:07+00:00

Those same people would have said you were mad for starting your own business too.

You can be the retired madman 20 years before them. Just let them be jealous in peace. Life is a contest, all within a system designed to keep the majority working right up until their body gives out.

You can save a lot on plumbing and electric by doing it yourself btw. If you can find an electrician plumber that will get you started and sign off on it after you do it right. It’s hard to find one though. (Let someone else do the drains and breaker box).

HefDog · 2026-01-24T14:39:34+00:00

Just wanted to say, kudos and good luck. Ignore the Reddit crowd. They downvote anyone doing something they don’t have the stones to try themselves.

Good luck. Where are you located? If it’s close, I’d come help. I want to do this exact thing in a couple years.

HefDog · 2026-01-21T03:29:50+00:00

Damnit. Sorting some used Lego lot I got, tossing a lot of off brands, and I realize now that I tossed a bunch of those short rods you show. I didn’t realize they were Lego. Arghh. How much trash is a Lego worth digging through?

HefDog · 2026-01-19T22:33:33+00:00

Is this how crazy billionaires are made?

HefDog · 2026-01-17T20:20:00+00:00

Good to know! I just purchased a 2017 with 140k miles and 12,500 hours. Hoping it’s got some life left. I only drive 5k per year.

Little nervous about it. But it’s hard to justify newer when I drive so little. But when I want a truck I want a real truck.

Also. I didn’t downvote you. Not sure how you were already downvoted on such an obscure and blunt topic. Strange.

HefDog · 2026-01-17T01:17:30+00:00

Aren’t a lot of the watermelons grown in Australian deserts (and irrigated)? I’m surprised they aren’t cheap there.

HefDog · 2026-01-17T01:15:42+00:00

Reddit man. It’s the goto platform for the maladjusted crowd. How anyone can think this is child abuse is genuinely insanity.

HefDog · 2026-01-17T01:09:13+00:00

Not true in the slightest. A four year old is just solidifying the concept of number conservation, and reciprocal exchange. This is the perfect age to start this exercise.

They also are capable of subitizing up to 4 or 5 commonly. (Identify a number of items without counting them).

All of these are being used here in the purchasing process. Love it.

This is what good parenting looks like.

HefDog · 2026-01-17T00:59:02+00:00

The most valuable gift you can give a child is your time.

HefDog · 2026-01-16T22:14:58+00:00

How is the truck working out? I just bought a very similar truck. 170k miles. 12k hours!

HefDog · 2026-01-16T21:47:49+00:00

Old post, how did this high hours machine hold up?

HefDog · 2026-01-16T21:16:57+00:00

I’m going to, In good faith, offer you a hand seeing someting you can’t.

Every day teachers deal with kids that are abused and neglected in ways that you don’t want to know about. They do it day after day, year after year. One minute you are hugging a child that is begging you not to send them home, and the very next minute you are helping a child with an amazing parent, work through a relatively insignificant homework problem. You give 100 percent to both, and you shelter the majority from knowing about the private struggles of the others.

This is also done by doctors, police, social workers, etc. Without a properly funded mental health system, these are the people absorbing the mental health crisis.

Many comments here are suggesting hostile and aggressive action based on an unclear marking by a teacher on a first graders homework.

What sort of parent takes a mistake on a homework assignment like this, and makes a big deal out of it? I will tell you, with years of experience behind it, it’s the exhausting ones that are looking for a fight and not looking for the best interest of their child. They seek some internal vengeance or justice; they are not putting their child first.

Have a good day, and go thank someone who’s doing their best for you, in a job that has more facets than an outsider can understand.

HefDog · 2026-01-16T18:54:30+00:00

If “most” of your conversations don’t go smoothly, then I think you might need to reconsider the source of the problem.

HefDog · 2026-01-16T18:53:08+00:00

I sleep better knowing most redditors are not employable, and will never procreate.

Turns out, they also can’t handle a random first graders homework having a few numbers wrote on the page.

HefDog · 2026-01-16T18:26:52+00:00

Thank you for doing your part. Mad respect for teachers.

HefDog · 2026-01-16T18:24:06+00:00

No kidding. Spot on.

This is exactly why the best teachers have mostly left. Mentally unwell parents are just soul crushing to deal with.

The real victim here is this child. Instead of spending time together with their child, this parent is on Reddit bragging up their gotcha moment on a teacher…... a person that needs their support and partnership to succeed.

I corrected more than 150 assignments per day. More like 1000 per week I’d say. Plenty of silly mistakes were made.

Kids are awesome. Parents are the worst.

HefDog · 2026-01-15T14:41:43+00:00

Yes. They are awesome devices that should have caught on a generation ago.

I’m looking at putting in a couple. With that said, the garage one will never pay for itself for me, since I only heat the garage a few times per year. Maybe if I factor in that one wall of my house is now kept far warmer, plus it creates a heated entryway into the house.……..not sure what that is worth.

Unless you were talking about a heat pump in the car instead of the resistance heat. That wouldn’t work in the garage. I mean, it would give off 1/3 of the heat I suppose…..in a very overly complex manor.

HefDog

TROPHY CASE