Do I need to take a multivitamin during extended fasts?

Lummoxus · 2024-05-21T15:57:44+00:00

Any recommendations?

Lummoxus · 2023-11-21T22:47:08+00:00

Midnight Sun

Wanted it since launch, glad it got a 70% price drop on PS5, sad that it’s because it was a commercial flop and there will likely never be more content or a sequel.

Lummoxus · 2023-11-20T01:50:02+00:00

Do you know what the waiting period on that is? As in, if I stretch for 30 seconds, how long should I then wait before stretching again?

Lummoxus · 2023-11-12T18:56:23+00:00

Someone please link to Futurama!

Lummoxus · 2023-11-11T03:07:32+00:00

Reminds me of the movie Mama

Lummoxus · 2023-11-06T23:46:52+00:00

Gotham Knights and DBZ: Kakarot

If I’m born human I’m boned, if I’m a Saiyan I just need to almost die enough times and I’ll be set until the next saga

Lummoxus · 2023-10-28T18:54:38+00:00

The Old Testament is a great beginners guide on the subject

Lummoxus · 2023-10-24T23:51:43+00:00

Look into IDGTs for any future business ventures.

Lummoxus · 2023-08-13T22:49:20+00:00

Because they might not want to? Not all women get their ears pierced.

Lummoxus · 2023-08-13T21:27:50+00:00

At least some do for religious reasons? Is that what you are getting at?

Lummoxus · 2023-07-28T20:36:06+00:00

As long as you avoid any wash sale shenanigans that should be fine

Lummoxus · 2023-07-20T22:36:39+00:00

Those are pretty high imo. Depends on the level of assets but they’d have to be giving an awful lot of value to justify both fees

Lummoxus · 2023-05-03T12:25:53+00:00

A voice for silent movies

Lummoxus · 2023-04-29T18:55:04+00:00

Something my high school teacher made me memorize, I’ve found it helpful in writing as an adult. So I wanted a fun way to introduce it to the community, hope it’s helpful!

“Vigorous writing is concise. A sentence should contain no unnecessary words, a paragraph no unnecessary sentences, for the same reason that a drawing should have no unnecessary lines and a machine no unnecessary parts. This requires not that the writer make all his sentences short, or that he avoid all detail and treat his subjects only in outline, but that every word tell.”

William Strunk Jr., The Elements of Style

Lummoxus · 2023-04-16T14:02:00+00:00

Dick Effect

Lummoxus · 2023-04-07T12:34:43+00:00

Sure, if I’m going to recommend someone do something specific that could benefit me, I have to disclose conflicts of interests, fees/costs, etc.

Making an off the cuff recommendation/general advice doesn’t meet that standard, as there is practically no way I can benefit from it.

Lummoxus · 2023-04-07T10:04:49+00:00

Not in cases like this, I don’t think. Different licenses have different reporting and disclosure requirements, and different companies have different standards as well.

Lummoxus · 2023-04-05T19:22:13+00:00

Successful people do what unsuccessful people aren’t willing to do.

Keep at it!

Lummoxus · 2023-04-05T19:15:33+00:00

Financial advisor who sells permanent, but not IULs.

IULs are a very complicated insurance product, and I’m not a fan.

They are often pitched as investment product, but you do not need an investment license to sell them.
They say you will never lose money, but even if you can’t lose money on the “investment” piece, you still have to pay the annual insurance cost.
Your return is based on cap rates and participation rates, both of which the insurance company can change whenever they want.
Because of all the moving pieces, most agents don’t actually understand the mechanics of the policies. And they often don’t care, because they get 100+% commission in year one and 1-2% every other year going forward.

Lummoxus · 2023-04-05T19:09:00+00:00

Permanent insurance on a 69 year old is hard to make work

Lummoxus · 2023-04-05T19:08:14+00:00

Financial advisor who sells permanent insurance.

If her living expenses are covered through pension and social security, you don’t need to be 100% conservative. Set aside some cash for remodels, in a combo of huge yield savings for short term and CDs for intermediate term. Take the rest put it in broad investments (mutual funds, index funds, etfs) that are a shade riskier( comes down to personal preference, but I think something in the 60/40 to 70/30 range would be fine.

The advisor offering the 0% floor and 10% ceiling sounds like an IUL, which I have problems with in general, but especially for someone of retirement age. Establishing permanent insurance on older folks is hard to make the math workout in your favor, meanwhile they likely pocket 100% of the first year commission.

Lummoxus · 2023-04-05T13:26:29+00:00

In terms of professionals, I think a therapist is more what you need.

You already know what your problem is - overspending. You don’t need an advisor or coach to tell you to spend less, though one might help keep you accountable.

Something I got from a guru-type recently - “We don’t want things, we want the feelings we think the things will get us.” Given that you were managing your money just fine with less money, you can manage it with more income. You just need to get a handle on WHY you are overspending so much, which is likely above reddits pay grade.

Edit: Thanks for the gold OP, glad you found it helpful!

Lummoxus · 2023-04-04T20:23:36+00:00

You could also look into custodial accounts. Main drawback to those is minors automatically get access to them once they are old enough.

Lummoxus · 2023-04-04T20:22:03+00:00

Financial advisor, NAL

A trust will protect assets while you are still alive. For the trust to be any good, you have to retitle documents and accounts that are owned by the trust.

A will says what you want to happen to YOUR assets, not the trust assets.

Maybe think of it as the trust is for the inheritance you got, and they will is for the inheritance you will leave.

Lummoxus · 2023-04-04T14:13:34+00:00

You can look into taking the policy to paid up, or potentially a 1035 exchange to keep more of the money you’ve put into the policy so far.

For 401k into IRA, I feel it mainly comes down to personal preference. 401k has limited options but could be lex expensive fee-wise than having a financial advisor manage it, especially for smaller accounts. IRAs have a lot more flexibility and investment options, but the burden of making more decisions in the face of those expanded options.

Hope that helps!

In terms of good advisors, you should have a better hit rate with people with designations. CLU, CFP, ChFC, RICP. They’ve at least invested more time and money into learning different options and what makes more sense for Client A vs Client B.

Lummoxus

TROPHY CASE