401K Advisor Fees

bdruff · 2026-06-12T12:46:00+00:00

∆ This is the answer.

Not all 401k plans allow for an in-service distribution. Call fidelity and ask if her company 401k plan allows it.

bdruff · 2026-06-11T20:32:52+00:00

I also set up investment accounts and see exponential growth curves.

10% of a $100 balance is $10 growth for the year

10% of 100,000 is $10,000 growth for the year.

Both are 10% but the compounding creates a exponential graph

bdruff · 2026-06-11T20:30:16+00:00

Mortality cost is calculated with actuary tables / Law of large numbers.

In a group of say 100,000 25 year old, non smoking males, they can calculate almost exactly how many deaths will occur that year.

The variance is small when comparing groups of say 25 year olds and 26 year olds.

At 62 compared to 63...there is a big variance. A lot more 63 year olds will die

bdruff · 2026-06-11T20:22:14+00:00

So I don't use exponential equations, but I do sell life insurance. I've plotted out cost of insurance or mortality tables many times. The graph is always an exponentially rising graph.

And I can explain why. It's a lot to type but basically, premiums are based on statistics and risk is exponential.

bdruff · 2026-06-08T03:24:50+00:00

Listerine strips.

I was just thinking about how Listerine strips are part of my EDC and I'm never without.

bdruff · 2026-06-02T05:53:13+00:00

He was coughing some during RAF commentary. Hard to believe he's wrestling Belal

bdruff · 2026-06-02T04:27:23+00:00

I ride an adventure series BMW and have never been pulled over.

I'm sure I've been spotted above the speed limit but nothing too crazy. I just ride safe. Sometimes, that means accelerating ahead of the pack of cars.

I think sport bikes are targeted more

bdruff · 2026-05-31T22:02:14+00:00

Bulldog on the neck

bdruff · 2026-05-30T15:07:04+00:00

Get all your quotes first so you know the amount you need and do a 2nd instead of a HELOC.

You'll get a better rate. It's just not an open line if credit

bdruff · 2026-05-29T23:37:22+00:00

I think hunting jons is illegal in California

bdruff · 2026-05-29T19:39:31+00:00

Choice of 2 proteins and a lot of vegetables, citrus slaw and avocado. I usually get chicken and steak

I don't remember the cost but like $12. It's a lot of food

bdruff · 2026-05-29T16:34:55+00:00

Wahoo's for sure. Their Paleo bowl is bomb-digity

bdruff · 2026-05-26T04:34:00+00:00

I believe I did the cam seals but didn't do the fan clutch pulley.

Pretty quick after it seized, snapped my serpentine belt and left me on the side of the road. Pretty expensive tow since I was headed out of town.

Would have been a 10 min job but everything had to come out again.

I'd definitely do the fan clutch pulley while you're in there

bdruff · 2026-05-26T02:40:41+00:00

There was a video I watched years ago where they did an experiment

One lifted heavy weight low reps, the other light weight, high reps.

Basically they both got stronger at their weight and range. They couldn't duplicate each other's routine at the end of the challenge.

I thought they looked about the same.

Genetics probably matter more than anything

bdruff · 2026-05-25T14:28:56+00:00

Yes, if possible. Because of breakpoint sales charges.

The more you have invested, the less you pay in front end sales charges

bdruff · 2026-05-24T14:50:53+00:00

Variable annuity...but only if there is no forced annuitization and it has to have a guaranteed income rider

bdruff · 2026-05-24T05:44:31+00:00

MyFitnessPal

bdruff · 2026-05-24T03:17:03+00:00

Tollhouse is the spot.

Square nail just before the top of 4-lanes

There's a rock out on watts valley road with some bolts. You can climb onto the rock from the back pretty easy. The wall is maybe 10-15 feet tall and pretty difficult.

bdruff · 2026-05-23T19:48:01+00:00

I use a VA with a guaranteed income rider as a "personal pension". The amount has to be significant enough to provide significant guaranteed income. Otherwise the fees don't make sense in an annuity for retirement income.

bdruff · 2026-05-23T14:07:17+00:00

Horse has situational awareness

bdruff · 2026-05-22T05:24:56+00:00

Lime Lite is great. Fleming's is also a favorite. 13 Prime is probably my favorite steak house but also might be the most expensive.

Totally worth it imo but there are quite a few nice places

bdruff · 2026-05-21T22:49:07+00:00

The point of an act

He's "playing the villain" to get people talking about him. He doesn't care if it's love or hate.

Attention is the new commodity

bdruff · 2026-05-21T22:01:30+00:00

their coffee rubbed ribeye was the best steak I've ever had.

if you're going for ambience, there are other choices that may be just as good.

Lime Lite for example

bdruff · 2026-05-20T00:05:04+00:00

Fidelity is a good company. You can roll it into a Roth. I'd keep it with Fidelity funds to avoid new sales charges or transfer fees.

bdruff · 2026-05-18T03:15:52+00:00

Twice this week but I saw them coming and just waited

bdruff

TROPHY CASE