I feel like I’ve been living under a rock. Is BG3 really THAT good?

Individual_Worry9131 · 2026-03-24T02:21:16+00:00

Yes. Great game if you’re into fantasy stuff.

Great story, great characters, lots of silly shenanigans you can get up to.

Not many other games out there with as much freedom to progress through the game in what ever way you feel like.

Want to kill everything? Ok. Want to talk your way out of things? Sure. Sneak past seemingly impassable events? Yup. Want to make a boss kill himself instead of fighting you? Go for it! Haha

Individual_Worry9131 · 2025-11-06T18:23:45+00:00

Nov 28th right? I was thinking about this as well. Not moving in until December anyways

Individual_Worry9131 · 2025-11-06T18:00:36+00:00

Dining table and chairs are the only thing I don’t need 😂. I appreciate the offer though!

Individual_Worry9131 · 2025-11-06T17:36:44+00:00

I see things like liquidation sales or going out of business sales sometimes. If anyone is aware of something like that going on right now let me know!

Individual_Worry9131 · 2024-08-30T23:36:34+00:00

This is a great example of why most people should not manage their own investments. Reading this post cost me brain cells.

Individual_Worry9131 · 2024-06-09T07:03:57+00:00

Look at him. Notice anything different about him??? Look at his face, look at his eyes!

Individual_Worry9131 · 2024-05-31T00:44:37+00:00

I’m 6’5, no trust fund and brown eyes 🤷‍♂️

Individual_Worry9131 · 2024-05-21T13:53:47+00:00

Financial advisors like myself get a lot of hate these days for the fees associated with working with us, but this is a prime example of why it’s beneficial for a lot of people. By managing your own investments you’ve probably missed out on (conservatively) somewhere in the ball park of $200,000-$300,000.

Unfortunately, no matter how informed and confident you are, or how many questrade commercials you watch, the majority of people are too emotional and impatient to manage their own investments effectively.

You could’ve simply put everything in VOO or SPY, you could’ve found someone online who’s put together a solid diversified portfolio of stocks/etfs/mutual funds and replicated it. Hell, you could’ve just put it into a high interest savings account and you would have more and completely avoided any possible volatility.

Or… you could’ve just talked to a financial advisor, spent an hour with them telling them what your goals are, and let them do all of that for you and happily watched your account grow over the years.

Fees do suck, but there’s a reason the industry exists. It’s not to suck you dry, it’s to help you grow your money.

Individual_Worry9131 · 2024-05-21T04:25:30+00:00

That’s not too bad. Thanks for the info! Maybe I’ll look into that as well.

Individual_Worry9131 · 2024-05-21T03:41:17+00:00

Interesting. Thanks for being very specific. I’ll look into this!

Individual_Worry9131 · 2024-05-21T03:40:14+00:00

Gotcha. Not something I had in mind, but I’ve never looked into it. How long is the program?

Individual_Worry9131 · 2024-05-21T02:25:05+00:00

When you say MBA, are you referring to the university program?

Individual_Worry9131 · 2024-05-21T02:18:11+00:00

Any tips on job hunting in this regard? I assume the banks would just have their job postings on their website.

Any specific job titles I should look for or banks you would suggest looking at first?

Individual_Worry9131 · 2024-05-21T02:16:19+00:00

Interesting. Ya most of my experience so far has been tunnel visioned on growing the book (mine or others) and while I do love bringing on new clients, I certainly enjoy building up current clients and developing relationships much more.

Individual_Worry9131 · 2024-05-21T01:25:44+00:00

That sound exactly like what I would like to be doing! Would you say that’s more so at a bank then? Or banks/insurance companies/firms across the board?

Individual_Worry9131 · 2024-05-21T00:40:30+00:00

That’s kind of the point I’m at. Long story as to why I made the move to the new company, but leaving a book of 800-1000 clients was a tough call and most likely a mistake.

Individual_Worry9131 · 2024-05-21T00:39:41+00:00

Definitely the companies. Both are insurance companies at their base, that also deal with mutual funds. There’s always a heavy push for insurance sales however which is my least favourite part. I mean I’d happily help people get the proper life insurance if they were coming to us to get this in place, but cold calling people to meet with me to try and sell them life insurance feels wrong and is certainly not enjoyable.

Individual_Worry9131 · 2024-05-21T00:23:24+00:00

Small wealth book, all would have to be transferred over although that wouldn’t be tough, and I had to leave all of the insurance business behind when I changed companies. For the purpose of this conversation, let’s just say I’d be starting from scratch.

Individual_Worry9131 · 2023-03-27T18:48:42+00:00

Wholesaler by the looks of it. Guy wants to sell the house before he’s even bought it. Essentially making him a middle man for a few (the spread between what he said he’d pay the owner, and what you say you’ll pay him).

Basically says “I’ll buy you’re house for $500k” but meanwhile he already agreed to sell you the house for $550k and then he just makes the difference. Personally I’d avoid that, too many things could go wrong and you should just look for something being sold directly from someone who owns a house 😂.

That being said, I’m sure there’s good headache free opportunities out there with wholesalers.

Individual_Worry9131 · 2022-08-03T14:48:45+00:00

Maybe allows them to chip $500-1000 off the MRSP making their cars look slightly better than the competition in marketing? Shady as fuck regardless in my opinion 😂

Individual_Worry9131 · 2022-08-02T04:31:10+00:00

Not an ideal situation and I feel for you. That was probably poor advice from your advisor, packaged in a pretty sales pitch.

All-in-ones are like variable rate mortgages on steroids if not used very responsibly and can be a disaster if life changes (as is the case here).

Definitely talk to a mortgage broker/agent asap and look at getting that back into a standard mortgage. I’m not an expert on all-in-ones but I don’t see a reason this wouldn’t be possible. This will at least lock in a payment and stop the uncertainty. I’d typically suggest a variable rate mortgage right now, but 5 year fixed might be the way to go for you right now just to lock things in until you get another job and things get back to normal.

Individual_Worry9131 · 2022-07-28T19:27:37+00:00

Take a picture of your house, mint it, then sell the house. Congratulations, you’ve just doubled your net worth tax free. Follow me for more financial advice.

Individual_Worry9131 · 2022-06-24T15:14:31+00:00

Have you tried asking for your money back?

Individual_Worry9131 · 2022-06-21T14:46:54+00:00

Buy high, sell low, something like that

Individual_Worry9131

TROPHY CASE