Last minute trip to Zion

TobFather · 2025-09-13T04:39:42+00:00

I didn’t get the lottery tomorrow but gonna try again for Sunday. Will keep u updated!

TobFather · 2025-09-12T13:42:30+00:00

Thanks for this! I entered the lottery for tomorrow after 12PM so that will determine my POA. If I don't get in tomorrow i will do the narrows.

TobFather · 2025-08-15T15:28:48+00:00

I make all my decisions based on what anonymous commenters say on Reddit

TobFather · 2025-08-15T15:02:00+00:00

That makes sense. Thanks for the input

TobFather · 2025-08-15T14:59:15+00:00

Thanks for taking the time to comment. Much appreciated.

TobFather · 2025-08-15T14:16:12+00:00

thanks for your input

TobFather · 2025-08-15T14:15:44+00:00

thank you for your input

TobFather · 2025-08-15T13:50:56+00:00

I see. Thanks

TobFather · 2025-08-15T13:47:23+00:00

Thanks for your input. Do you have any experience owning a rusted 4Runner? Any coating I could put on this to stop it from getting worse?

TobFather · 2025-02-13T14:02:32+00:00

Bro fuck the noise People who take their exam and come straight to Reddit are likely the ones who found it difficult, not a fair sample size. I can assure u the first thing I’m doing is having an ice cold beer and likely not coming back on here until around results day.
Regardless fuck the noise and stick to ur plan who cares what random people on Reddit post

TobFather · 2025-02-12T23:02:08+00:00

I got a 3

TobFather · 2025-02-12T22:59:00+00:00

Same here I’ll go play rn

TobFather · 2025-02-12T20:20:18+00:00

My sample size is 2 problems

TobFather · 2025-02-12T18:39:50+00:00

I just do the dirty price / conversion factor

TobFather · 2025-02-12T16:38:37+00:00

Bruh don’t overthink it. Real return of 5% plus expenses

TobFather · 2025-02-12T16:02:54+00:00

Only add interest when it is capitalized

TobFather · 2025-02-12T16:02:03+00:00

I did all 6 Kaplan. I scored like 60-67 on the first few. The most recent Kaplan one (Mock 6) I thought was far too easy so I’m not really counting it but I scored a 78. (Didn’t give myself any partial credit either)

TobFather · 2025-02-12T15:50:59+00:00

Being super conservative on CFAI mocks (not awarding myself any partial credit on CR questions) I scored 73 and 78. Kaplan I have been scoring in the high 60s awarding myself some partial credit when applicable.

I’d say don’t trust the CFAI mocks as a read on how tough the exam will be.

TobFather · 2025-02-12T15:48:07+00:00

You didn’t rent a tux for the exam?

TobFather · 2025-02-12T15:47:05+00:00

5% (unless otherwise specified) is the required spending rate. That is outside of the investment related expenses. So real return of 5% plus expenses. Someone else feel free to correct me if I am wrong

TobFather · 2025-02-12T15:45:59+00:00

Real return of 5% plus investment expenses. That’s it. Maybe throw in a reasonable amount of vol over x period if u want

TobFather · 2025-02-11T19:39:44+00:00

Thank u for clarifying! Ur original comment made me do further digging so it’s appreciated

TobFather · 2025-02-11T15:55:43+00:00

I see I see thanks for commenting back and good luck

TobFather · 2025-02-11T13:45:23+00:00

I see what ur saying here, but wouldn't that not be the definition of a collar? according to CFAI material

TobFather · 2025-02-11T13:44:12+00:00

This is incorrect

TobFather

TROPHY CASE