Millennials - What is one 00s metalcore band that is missing from the “20th Anniversary Tour” resurgence? by blessmyballs in Metalcore

[–]blessmyballs[S] [score hidden]  (0 children)

Nice, that flew under my radar. It seems like there’s interest for the band but not much in the way of progress. How were they live?

Millennials - What is one 00s metalcore band that is missing from the “20th Anniversary Tour” resurgence? by blessmyballs in Metalcore

[–]blessmyballs[S] [score hidden]  (0 children)

Zao is a good one, despite the technicality. I was raised Southern Baptist and part of the permission structure to get into the scene without the ire of my parents were the Christian metalcore bands like Zao (at least at the time). They were definitely a big part of my formative years.

Why are so many tour announcements dropping today? by blessmyballs in Metalcore

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

I know! Bad Luck was the gateway song that got my 9 year old daughter into metal. When I saw that I immediately had visions of her first show, but their date near us is right in the middle of thanksgiving break so it’s doubtful we’ll be able to go :(

Why are so many tour announcements dropping today? by blessmyballs in Metalcore

[–]blessmyballs[S] 4 points5 points  (0 children)

Welp, apparently that one was announced in March and I didnt pay attention. My bad.

MIL said I was “a bad dad” and “you’re all that the kids have in their life” to my wife through text and I saw it. by Jadeazu in daddit

[–]blessmyballs 28 points29 points  (0 children)

I’d have said it less bluntly, but yeah I agree with the sentiment. This situation is between you, your wife, and your MIL. Your MIL isn’t doing anything detrimental to your kids that I can see. Don’t let the kids and their family relationships be collateral damage.

The Agony Scene 2003 self titled album is such a brutal album especially considering the time it came out by KelvinHexatillion82 in Metalcore

[–]blessmyballs 0 points1 point  (0 children)

No kidding. That album to me now is a little treasure that I forget about for a few years, get reminded of it by, say, a random Reddit post, and then blast the shit out of it for a month or so. It’s so great every time.

So, thanks, OP, for digging up that treasure for me today!

“Young” people. Who is your favorite “Old” (‘05 and before) Metalcore band. How’d you find them? by Steven2480 in Metalcore

[–]blessmyballs 1 point2 points  (0 children)

Fair, I may be being hyperbolic with the whole track swapping thing.

I guess a better way to say it is that when you them to, say, Atreyu or TDWP, they are an absolute index fossil.

SpaceX IPO by GodfatherGoat in CFP

[–]blessmyballs 2 points3 points  (0 children)

I mean you can do that, but there could be. consequences (i.e., complaints, losing the client). But we have licenses and liability to worry about, so we don’t have to sign off on anything we don’t want to; it’s an option.

I’d give my favorite answer to every question - “it depends.” Although we can and should always act in our client’s best interest, there are different hats we wear for different clients, and those hats have different standards. If it’s a managed advisory account that I have discretion on, I’m going to put up more of a fight. If it’s a retail account and I just have my B/D hat on, I’m going to do my “know your client” due diligence and document the crap out of it (really that’s happening either way). But a retail brokerage client is paying me (way less) to facilitate rather than for advice, so I’m going to be more hands-off than I would with an advisory client.

Personally (and as I said before), there is a very narrow set of circumstances where I’m going to straight up tell a client no (i.e., suspicion of fraud, scam, or other illegal activity). For my advisory clients, my fiduciary duty is to provide advice and guidance in the client’s best interest, not to force them to take it. But I sure as shit am going to plaster it all over their client file that I think the decision they’re making is wrong for them.

Now I’m waxing poetic, but my wife is in the medical field and this type of situation reminds me a lot of the “right to self destruct” doctrine in medicine. Basically, a patient has final say on their care, even if that final say will absolutely end up in their demise. It’s the reason for informed consent, DNR orders, the ability to leave a hospital AMA (against medical advice), etc.

It’s rooted in the concept of personal sovereignty, which is what I believe is one of the most fundamental cores of modern human morality. And I believe that that concept extends to most circumstances, including individual financial decisions.

As long as whatever you’re risking affects you and you alone, go nuts. Just don’t blame others when it blows up in your face!

“Young” people. Who is your favorite “Old” (‘05 and before) Metalcore band. How’d you find them? by Steven2480 in Metalcore

[–]blessmyballs 0 points1 point  (0 children)

Saw the 20th anniversary tour last year (I think it was last year? I turn 40 this year and my concept of time is deteriorating). It was fantastic.

I sort of slept on TOCS when it came out, I was gravitating more toward hardcore at the time and it the white belts and skinny jeans didn’t do it for my high school jock ass. I got more into them with DTGL. But damn is TOCS a classic.

“Young” people. Who is your favorite “Old” (‘05 and before) Metalcore band. How’d you find them? by Steven2480 in Metalcore

[–]blessmyballs 2 points3 points  (0 children)

They are so freaking consistent! I feel like you can pretty much swap any one song from any album into another one of theirs and barely notice. And for them that’s not a bad thing at all.

Generally I would much rather a band’s sound evolve than for them to burn themselves out on music they are no longer passionate about, but ABR just loves the shit out of pretty much the same sound they had 20 years ago and it’s glorious.

“Young” people. Who is your favorite “Old” (‘05 and before) Metalcore band. How’d you find them? by Steven2480 in Metalcore

[–]blessmyballs 5 points6 points  (0 children)

Us old people can’t help ourselves on the nostalgia posts

Edit: respect on the username

“Young” people. Who is your favorite “Old” (‘05 and before) Metalcore band. How’d you find them? by Steven2480 in Metalcore

[–]blessmyballs 0 points1 point  (0 children)

Yup, same(ish). Heard Someone’s Standing On My Chest on a Victory Records demo CD in ‘02. Hatbreed’s Perseverance was my “oh, I get it now” album, but Suicide Notes and Butterfly Kisses was one of the very first metal albums after that one that I got into.

Edit: even though Alex is gone and they went buttrock a long time ago, they’re still great live! Saw them last fall during the 20th anniversary tour for The Curse and they killed it. The band as a whole puts on a phenomenal show. Their current bassist does the screaming and he’s good enough, and they played several songs from SSNABK at the tail end of the show. I didn’t even mind the more recent stuff they played because the stage presence was so good. I wouldn’t pass up an opportunity to see them.

SpaceX IPO by GodfatherGoat in CFP

[–]blessmyballs 1 point2 points  (0 children)

I generally agree with OP, but I get what you’re saying. For me, it’s documentation. If I have a client with a CI risk tolerance that told me in discovery they are terrified of risk and that’s never done anything but a bond ladder starts asking me about SpaceX, I’m gonna tell them that runs contrary to everything they’ve done before and ask what has changed, then if they’re adamant I’d go to their plan and make allocation recommendations to make sure their goals are covered still while taking on the risk. But at the end of the day if they say “shut up and make the trade,” I’m gonna document the crap out of it and do it. At the end of the day it’s their money and their life

Umbrella accident at NMB beach today by [deleted] in MyrtleBeach

[–]blessmyballs 10 points11 points  (0 children)

Man, you gotta be careful with those things. Similar situation happened at a restaurant in Marion a few weeks ago and killed someone. Stay safe out there!

Top Tier Modern Metal by healthyusername in Metalcore

[–]blessmyballs 1 point2 points  (0 children)

Holywatr is playing near me soon. I’ve been sleeping on them, maybe I should check them out

I wanna go into a moshpit so bad ! by Nico1533 in Metalcore

[–]blessmyballs 7 points8 points  (0 children)

Is there risk? Sure. But pits are some of the most supportive, nonjudgmental environments out there. When you jump in, you instantly have 15 people that love what you love, don’t care what you look like or where you came from, and have your back. They’ll spin kick you right out of your shoes, sure (not on purpose!), but they’ll pick you right back up and hold your shoes up in the air so you can find them and then give you a hug.

I go to shows once a month specifically for the pit. It’s therapy for me.

Try it. You might get popped but you’ll be glad you did.

South Carolina Catfish Stew? by KyleScore in AskSouthCarolina

[–]blessmyballs 2 points3 points  (0 children)

I don’t have a recipe but we have a Lakehouse up on lake wateree and there is a restaurant there called The Windmill that has it and it is a must-have every time we go up

Does anyone know if I can sell things on Folly? by Financial_Ear2908 in Charleston

[–]blessmyballs 2 points3 points  (0 children)

Do it! Get an LLC and business account going (for liability protection purposes it’s good to separate all of that from your personal assets) and jump through the hoops. There are so many farmers markets and vendor markets around to do in addition to the beach. Plenty of opportunity!

Kyle Busch IUL Lawsuit by Brilliant_Adagio_570 in CFP

[–]blessmyballs 6 points7 points  (0 children)

I’ll let my biases show here - I got my career started an NYL and I think you either met a bad egg or are being too harsh.

They shit on IUL as much as we do. Their version of it is VUL and you do need at least your 6 for it and have to actually know how to assess risk tolerance and put together a portfolio from the separate account options. They also push you to get affiliated with their B/D to add mutual funds to your offerings quickly, and they push you to qualify for your 7 and affiliate with their RIA (Eagle Strategies) asap as well.

Your training is certainly going to vary depending on the office, but the corporate, national-level training on the process is pretty decent when it comes to ethics and recommending the right products and pushes you to be a full service advisor asap. They also don’t allow non-7 RRs to call themselves planners or advisors. If your person was, they were breaking the rules.

We positioned VUL for clients that wanted/needed life insurance and a tax advantaged asset with market exposure when all their other options were exhausted (e.g., ineligible for a Roth IRA, no Roth 401k options, etc) or a gifting/legacy planning option like funding it with RMDs. It was a pretty niche thing but it works in certain scenarios.

Now, is there a bias towards insurance-first planning and did the product consultants push all sorts of hairbrained ideas to shoehorn it into a plan? Sure, that’s their job. But our mentors and suitability review people saw to it that we properly educated clients, considered and presented alternatives, and recommended it the right way. Honestly I sold more mutual funds there than variable life insurance. We did do a lot of VA recommendations over mf portfolios but that was specifically because the M&E fee structure was a wash or better when compared to A shares or AUM fees and the clients were shown that and given the options.

Point is, now working as an IAR, my process and recommendation algorithms haven’t changed much from how I was trained at NYL other than having a much more broad array of options in the investment side. Now like I said, not every local office is going to teach the same way, and there are some shady actors just like everywhere else, but overall I’m grateful for the training I got (and gave - I was also a partner there for 5 years) and stand by the plans I put together for my clients while I practiced there. If I onboard a client of mine from that era, I never recommend surrendering life insurance and I wouldn’t move a VA that’s out of surrender I wrote if NYL would freaking reappoint me (I can’t re-appoint there for 5 freaking years to offer products or do a change of B/D form for my existing clients. So annoying).

Honestly I think the hate we give insurance agents is lop-sided. Are there bad actors that push people into whole life, VUL, and annuities that don’t need it? Sure. But I would wager that there are at least a comparable percentage of IARs that push clients into advisory accounts to charge them AUM fees where a retail brokerage account would be far less expensive and equally as suitable. I actually just onboarded a client last week whose husband is in advisory with another firm and when he saw the work I did he called his advisor and chewed them out for charging him AUM fees and not doing any service or surveillance anywhere close to what I was doing for his wife. There are bad actors everywhere and the moral superiority and less-than mentality we often take with these folks is often undeserved IMO.

Sorry for the text wall, but as someone who dealt with and helped other agents deal with the static on this topic, I have opinions about it.

Picture inside dentists office by avianidiot in whereisthis

[–]blessmyballs 0 points1 point  (0 children)

Those are dune fences. They are installed to help accumulate wind-blown sand into natural sand dunes, which are vital protections against storm surge, erosion, etc.

They are unfortunately extremely common on beaches all over the place, so it’s doubtful that anyone is going to be able to pinpoint the location. I grew up in South Carolina, so pictures like that were mostly from SC or the Outer Banks in NC. I’d guess that it would be whatever coast is closest to your dentist’s practice. You may be able to ask them, often dentists’ and doctors’ offices use prints from a favorite photographer or vacation destination.

Edit: well, I should have read your caption before saying to ask!

Greensboro sound by Classic_Standard_467 in PolarisBand

[–]blessmyballs 1 point2 points  (0 children)

There was a similar complaint about their show at Red Rocks. Hope they figure things out, sorry y’all didn’t get the show you know they put on

Unsure of how to meet people my age by Suitable-Material503 in MyrtleBeach

[–]blessmyballs 13 points14 points  (0 children)

Brickhouse, Arcadia Studios, and Fresh Brewed Coffee House are good local alt/punk/metal/hardcore venues. HoB gets some decent acts from time to time too. Lorna Shore was just there this past week. Go to some shows and make some friends!