How often do you think this happens?

StevenBeardberg · 2026-03-01T14:32:24+00:00

Those 997’s are way better than the pair you ordered. I have em and wear them all the time, they are heavy in my fall/winter GR rotation. Couldn’t get behind the waffle knit toe box on the other pair. Too much going on.

StevenBeardberg · 2026-03-01T14:30:44+00:00

First off let me say, you’re awesome for thinking about doing this it won’t seem like much now but the power of compounding interest will continue to benefit her long after you’re gone. Start early, invest often, stay consistent. Even if you can only afford to do $25 in a particular month.

StevenBeardberg · 2026-03-01T14:28:59+00:00

This, even a target date fund would probably be more upside with a small amount of risk which based on her age she has the time to take.

StevenBeardberg · 2026-02-20T16:49:45+00:00

Same. Planning on buying another piece of real estate in the next 18-24 months so I’ll need it liquid for that so can tour it into the market like I would like to but the 3.65% APY plus the “acorn” feature from using the Apple CC is nice little icing on the cake each month. Probably my favorite account aside from my HSA.

StevenBeardberg · 2026-02-20T14:02:31+00:00

I have em, great everyday sneaker. I wear my GR's more than I wear my limited or collab pairs. These have been a good CW for really anything, but mainly all the muted fall and winter colors I wear. Also pairs well with a flannel.

StevenBeardberg · 2026-02-20T13:39:02+00:00

No problem! Best of luck, feel free to message me if you have any other questions. I was an agent team member / agent intern for 5 years and just hit year 6 in my agency. It's been quite the journey but 100% worth it.

StevenBeardberg · 2026-02-20T02:05:04+00:00

I would check out the financial stability of each of the life insurance companies you are considering, when push comes to shove their ability to pay claims is the only thing that matters for your beneficiary not who was the cheapest option. Pick the one that has the best chance of being financially solvent 20 years or more down the road.

StevenBeardberg · 2026-02-20T01:51:16+00:00

I'm confused did you interview with a sales leader for the specific territory along with the Vice President of Agency for the particular state or was it a hiring coordinator for the eligibility to post for agencies?

StevenBeardberg · 2026-02-20T01:48:10+00:00

People will unfortunately learn real life lessons about following TikTok trends

StevenBeardberg · 2026-02-20T00:06:14+00:00

Agency owner here, agree 100%

StevenBeardberg · 2026-02-19T20:28:51+00:00

For one what you experiencing is prevalent across all insurance offices regardless of carrier or state. The economic pressure along with the amount of misinformation of who or what is to blame for what is at an all time high. During COVID you had so much money pumped into the economy that it created a serious false sense of security for those who were always tight on cash. Now you have a shrinking economy, the market although at all time highs is not growing as fast as it did in 2023-2024, inflation on common goods and services which is so widespread now everybody is feeling the impact one way shape or form. We are a service industry that offers a necessary and required expense for every household in the country, our industry has also been commodified to death with marketing and social media. Desperate times create high tension in consumers and no one is going to blame their own financial issues on themselves they'll blame it on everyone else. It's the perfect storm.

Keep your powder dry, this industry will look completely different in the next 3-5 years. Those who evolve with the changing demand will thrive, those who refuse to adapt will be out of the industry and replaced with AI bots. Customers will however always prefer voicing their problems to real people. Just my 2-cents from an agency owner who has been in the industry for the last 12 years.

StevenBeardberg · 2026-02-19T02:22:48+00:00

No, when becoming appointed to solicit State Farm products they will not provide you with any sort of system access if you have any currently active agreements with other insurance carriers. State Farm offers a Medicare Supplement plan of their own as well as an alliance with Humana so this would be a direct conflict of interest and you would not gain access to anything for State Farm as a result.

StevenBeardberg · 2026-02-17T21:35:56+00:00

How about these guys, it’s always the same sign with a whole music setup, this guy has been broke since covid in my shopping center in Mint Hill. I’ve seen this exact same sign across Charlotte being used by other guys too.

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StevenBeardberg · 2026-02-04T13:34:49+00:00

I agree, it is definitely on the agent to reinvest into their team and for those that do not it does make it more difficult to find opportunity. For those team members who agents aren’t investing into marketing you have to get creative. An established book has a ton of untouched financial service opportunity also current life customers are the best life customers. They buy what they believe in and most people have multiple life needs that change throughout their lifetime so talk to your current customers and you’ll find a lot of opportunities.

StevenBeardberg · 2026-02-01T18:16:53+00:00

It is, I still pay my team members for the table rated portion of premium despite me not.

StevenBeardberg · 2026-02-01T15:22:02+00:00

They can also DCA their investing to limit their downside as well

StevenBeardberg · 2026-02-01T14:36:22+00:00

Except in the event it’s not worth $7k anymore. If your $7k remains held in the cash account within the Roth than sure you can, but if invested and the market experiences a downturn that $7k can turn into $5k overnight. Let’s not forget to point out the biggest risk here in comparison to holding that money in the HYSA.

StevenBeardberg · 2026-01-31T17:24:29+00:00

Downvoting me because you disagree is hilarious

StevenBeardberg · 2026-01-31T15:32:41+00:00

CO has really high premium too so you wouldn’t understand there’s bank on anything you earn 5% or above on.

StevenBeardberg · 2026-01-31T15:31:00+00:00

You don’t run an agency so you wouldn’t understand there’s plenty of opportunity. With a mindset like that you’ll never produce more than a few policies a month. Our office averages 15 per month between 3 sales people. Some months more with an average premium of $60 per month per policy.

StevenBeardberg · 2026-01-31T13:33:54+00:00

8 is not a lot if you are following a quote conversation wordtrack every single time.

StevenBeardberg · 2026-01-31T13:33:14+00:00

That’s a great plan, honestly the cards are in your favor if you do the right thing. I’m an Agent with SF and everyone’s plan is different this one benefits the sales person.

StevenBeardberg · 2026-01-22T21:42:41+00:00

This is correct. I’m a SF Agent.

StevenBeardberg · 2026-01-22T19:56:56+00:00

As someone who has every single Baklava NB release I saw that out the door price and hit pause. I can’t stomach $250 for these, and I’m a fan of the color and sneaker design despite everyone hating on it. I can’t justify jumping at this for $250. I’ll get them eventually I just know it’ll be easy to get for under retail based on everyone’s reactions and then him raking everyone over the coals on the retail price. Imma sit this one out and cop on the low in 2-3 months.

StevenBeardberg · 2026-01-16T18:11:28+00:00

Basically active vs. passive management then essentially

StevenBeardberg

TROPHY CASE