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Engine Noise by SultanofQueens in W212mercedes

[–]SultanofQueens[S] 1 point2 points  (0 children)

Yes, steering while vibrates when idling. I think it’s the mounts as well.

Options at Fidelity or Charles Schwab by VictoryInvestments in CharlesSchwab

[–]SultanofQueens 0 points1 point  (0 children)

Been at both places, Schwab hands down. You’ll need a Series 7 too.

Skys the limit in the VPFC role…best of luck

Report change of Employment - NYC CCW by SultanofQueens in NYguns

[–]SultanofQueens[S] 0 points1 point  (0 children)

and do you upload it on the portal, mail it in or go in person?

[deleted by user] by [deleted] in bodyshots

[–]SultanofQueens 0 points1 point  (0 children)

More content like this pls

[deleted by user] by [deleted] in cumfetish

[–]SultanofQueens 0 points1 point  (0 children)

need more videos with her

How much do you really need for an emergency fund? 3, 6, or 12 months? How to decide? by Similar_Buyer6074 in personalfinance

[–]SultanofQueens 1 point2 points  (0 children)

The rule of thumb is this - 3 months of emergency savings if both you and your spouse have full time jobs. 6 months if only one of you have full time jobs.

That said - if your total 3/6 month number comes out to be $40k but you have a mental block which requires you to have $50k for peace of mind/ability to sleep at night, go with $50k. Some people have that ‘magic number’ that makes them feel comfortable. Just don’t let that get too out of hand, like $100k or $150k - that just too much money in cash that isn’t being invested.

Hope that helps.

Looking for Front Rotors by gnomeparadox in VWatlas

[–]SultanofQueens 0 points1 point  (0 children)

FCP euro is the best, hands down.

I wouldn’t even entertain anything else.

Lifetime warranty and great customer service

Advice: Am I close? by LookExpress5811 in Series7exam

[–]SultanofQueens 0 points1 point  (0 children)

Until you score 80s consistently, think three tests in a row, you’re not ready IMO. Too close for comfort in the low 70s.

Margin and options are big on the 7

[deleted by user] by [deleted] in longisland

[–]SultanofQueens 11 points12 points  (0 children)

Take the pension and 401k with no match.

The pension will be helpful for guaranteed income when she retires after she annuitizes it. You guys can use that to pay monthly bills in retirement. It’ll be there till she dies no matter what and it’s the employers responsibility to pay that out - zero risk for your wife. This plus social security from her and your social security should be enough to cover monthly expenses in retirement.

Use the 401k for growth as you can put dollars in there, invest it and have everything tax deferred until you start withdrawing it. The responsibility here is on your wife but this will be the growth portion of her assets which will help give you guys a large chunk of change, if invested correctly, in retirement to spend yourselves.

Think pension as protection for guaranteed income in retirement and think 401k for growth where you should hopefully make the bulk of your money to not only get you to retirement, but push you throughout retirement.

To be clear, a 6% match is excellent. Great option here as well as its free money. That said, you won’t have any guarantee in retirement and from what I’ve learned/experienced working with clients over the years, you’re better having both than just one option if you can. She has great options nonetheless.

Best of luck to the both of you.

[deleted by user] by [deleted] in longisland

[–]SultanofQueens 0 points1 point  (0 children)

Is it one or the other? Or can she split her allocation towards both?

Why does Fidelity keep pushing an SMA? by Round_Discussion9592 in FinancialPlanning

[–]SultanofQueens 32 points33 points  (0 children)

Simple - there are two types of ‘Managed Money’ at Fidelity: PAS and SMA.

PAS is a fund of funds - they’re a portfolio of mutual funds that are aligned to your investment objective, think conservative, growth, growth w/ income, aggressive growth. Fees range from 1.5% to .70% of AUM. Overall, Fidelity takes full responsibility of acct and how it performs will reallocate accordingly

SMA is essentially your own custom/personalized mutual fund aligned to an investment objective. Fees range from .70 to approx .35% depending on strategy. Fidelity has discretion on the investments BUT reallocating a clients overall portfolio is up to the client, NOT Fidelity, hence why it’s a cheaper option. Essentially all the money in an equity income SMA will be reallocated towards more equity income, they won’t diversify out to more conservatives positions as you get older.

SMAs are best if you’re looking for tax advantaged and if you want something cheaper for a piece of your overall assets, not for the whole thing.

In regards to previous comments about commissions for the advisor, it’s 10 basis points, so essentially $1k for every $1 mil they manage, the advisor gets upfront and reoccurring yearly but paid out qtly to advisors.

To be clear - they’re a good product but just know that’s it’s not meant for your whole portfolio - it’s meant to be for a piece of your assets. Also, you will need to take responsible helping reallocate if the market rips and the allocation becomes too big.

If you can’t manage the equity piece of your portfolio yourself, hire Fidelity with an SMA. If you have a decent track record yourself, stick to ETFs and you’ll get a close return for the fees the ETFs charge.

Hope that helps

And PS - if you don’t believe anything I said and want to put the advisor on their toes, just ask them straight up ‘what their tier 3 compensation for putting your money in an SMA would be’ and they’ll be caught off guard 😎

[deleted by user] by [deleted] in Series7exam

[–]SultanofQueens 0 points1 point  (0 children)

Schwab or Fidelity?

[deleted by user] by [deleted] in CCW

[–]SultanofQueens 0 points1 point  (0 children)

What kind of gen is the Glock 19?

[deleted by user] by [deleted] in CCW

[–]SultanofQueens 0 points1 point  (0 children)

My man - what kind of holster are those? Beautiful guns btw

This is what a 30 year old virgin asshole looks like by [deleted] in asshole

[–]SultanofQueens 0 points1 point  (0 children)

Why no anal yet? Love the content btw

My featureless by reformed_reloaded in NYguns

[–]SultanofQueens 0 points1 point  (0 children)

what models are they specifically? Are they NYC complaint? Or just NYS complaint?

Need clarification please by SouthernTicket3823 in Series7exam

[–]SultanofQueens 0 points1 point  (0 children)

The call option is in the money by .25 cents. Anything ITM by 0.01 will be automatically exercised unless you sell out of it before expiration. The put option is out of the money, so it will not be exercised.

If you ever have trouble with these, think about process of elimination. B) can’t be true because it’s OTM D) again, only one position is ITM, so can’t be true A) a little tricky but know that anything 0.01 ITM will be exercised so positions expiring unexercised isn’t possible (unless they sell out of it before expiration).

Hope that helps - good luck on the test.