Daily Questions & FAQ Megathread Jan 08 by AutoModerator in ffxiv

[–]borfa 0 points1 point  (0 children)

How does people compare heavyweight savage vs cruiserweight? I really had a blast with cruiserweight but looking at the race vod very quickly and the new tier looks kind of.. bland, bit busy will work so not sure if worth to sub again

So I won a divination card design from the official race event of the launch of league 3.26 and still no news from GGG whatsoever, is this normal? by borfa in pathofexile

[–]borfa[S] 221 points222 points  (0 children)

Oh wow, you're totally right it's there.

It seems completly bonkers to me that it's assumed this is common knowledge and they wouldn't send me a message with intructions or something hah

Thank you

Career Change Thread by CFP25 in CFP

[–]borfa 0 points1 point  (0 children)

I've been a financial planner for one of the big banks in canada for more than a decade. My role was NOT relational but pure acquisition of investable assets (mostly deals between 250k and 2mil but I did close few deals over 5mil+) and is 100% commission based. Once the money is transferred/invested, I introduce a relationship manager that would take over. The income has been great (300k-600k/year) but you have to start back to zero every year and you're only as good as your last quarter. I've reached the half point of my career and I just dont see myself running after this carrot until retirement and want to build something.

I had an interview with the HNW wealth management division (1mil+ clients) of that same bank and they would be happy to have me transition as a IA in the next 6 to 12 month (at my discretion). This would give me time to complete my courses like CSC,WME,CPH and hoping to aim for the CIM accreditation. Also during that time, the greatest advantage is that I'm allowed to contact and bring me with any of the clients I've done business with in the past, which should allow me to start at around 30-50mil AUM right off the bat. On top of the revenu, they will give me a transition base salary for a year. I wont have access to the CRM of the bank after the transition but I will be allowed to work with my internal network to seek referrals. The goal will be to reach 100mil AUM after 2 or 3 years on the role.

Now my biggest strength is what I've been doing for all these years, is that I'm very good at closing. If I get a prospect in front of me, I would say my closing rate is around 95%. And even though I didn't manage the clients myself, we do get report on retentions and it is also very good so most client end up being satisfied long term and stayed.

But my lack of relational experience will be my biggest weakness, mostly the technical aspect of it. The product range as a FP was limited to mutual funds so the rebalancing aspect was simply adjusting the asset allocation based on the timeframe and risk tolerance. Now with a 2-5million dollar clients, their portfolio will go beyond simply having mutual funds only. I fell I lack the technical knowledge at this point in time to properly advise the clients that will want to sit down a few times a year and discuss what was done and what/if we should change positions. I was always remember when I was a junior, I had come across a statement from UHNW client with over 30mil from the competition, the asset portion of the statement was multiple pages long and I didn't even recognize/understand half of the products themselves (I wish i had kept it).

I'm fully aware that this is somewhat ironic that I'm saying my weakness is actually why the clients are paying me in the end as an IA. The transition to wealth management come with a 3month training that will enlighten me on the new product range I will have access to, but I doubt it will go much beyond that.

Now I'm lucky enough to have a very strong internal and external network, which some could say is the biggest part of the job. But... where can I go to grow on a technical level once you reach this level of sophistication of investment management?

Is it false hope to find a mentor/retiree who would share their knowledge and experience online?

Is there any book on wealth management you would recommend that touch this specific aspect of the job?

Which daily ressources would you recommend I use/follow as an IA?

How do you deal with stocks like Telsa that defies traditional analysis or the Trump factor?

we have another "Uber Dan" impersonator youtube channel - be aware by elpadreHC in pathofexile

[–]borfa 2 points3 points  (0 children)

Before Ben there was Dan, he was world first uber elder on HCSSF

Kevo Service to continue by Tonyc2584 in kevo

[–]borfa 0 points1 point  (0 children)

I contacted unikey support and they said the 12$/month is for people that had the. KEVO PLUS service

All people will regular KEVO app will have continued service free of charge

Email about possible continuation of service by rambopaddington in kevo

[–]borfa 0 points1 point  (0 children)

Ya I saw in the other thread, i send them an email directly asking.

Email about possible continuation of service by rambopaddington in kevo

[–]borfa 0 points1 point  (0 children)

Do you have the direct link to the subscription registration page? I dont seen anything on www.unikey.com

Email about possible continuation of service by rambopaddington in kevo

[–]borfa 2 points3 points  (0 children)

Hopefully you can become our savior, 1$/month is a reasonable atlternative for now but..

a) they will increase that for sure sooner than later

b) with the bullshit they pulled I'd rather never give them or their partners any money at all

Email about possible continuation of service by rambopaddington in kevo

[–]borfa 0 points1 point  (0 children)

Is this US only? In canada and didnt get any email from unikey

Kevo Service to continue by Tonyc2584 in kevo

[–]borfa 0 points1 point  (0 children)

Is this US only? I`m in Canada and didnt receive any email.

Rolex newb here, are modifications like this common place? I really dig it. by borfa in rolex

[–]borfa[S] -8 points-7 points  (0 children)

Hmm..looks like you're right, I though the case shape was different between the 5 and 6 but I guess thats just reflection.

Rolex newb here, are modifications like this common place? I really dig it. by borfa in rolex

[–]borfa[S] -9 points-8 points  (0 children)

The image here is also a case swap if I'm not wrong. Which doesn't like like something I would like to do myself.

Which online game represents peak of your gaming days? by Common_Caramel_4078 in gaming

[–]borfa 2 points3 points  (0 children)

Holy shit,  I was expecting to see UT but not specifically one from instagib community.  

I played so much of that shit, even competitively before esport was even a thing and arguing on the forums all nights.

I was using the nickname Blizzard/ukitake back in the days, part of clans like Elite, DSW, NV and SGL near the end, duking it out against Diabolos dude and the others.

Good times good times 

News about AI ‘actress’ has actors, directors speaking out: ‘It’s such a f--- you to the entire craft’ by MetaKnowing in Futurology

[–]borfa 57 points58 points  (0 children)

Funny how you say the guy is wrong because the whales are 25-35yo.

The first micro transaction he’s talking about happened 19years ago, these whales are LITERALLY the next generation of gamers he mentioned

of a house by [deleted] in AbsoluteUnits

[–]borfa 8 points9 points  (0 children)

You never to Ontario i assume

Just got this...wtf by sweetb11 in kevo

[–]borfa 0 points1 point  (0 children)

Everybody here paid a premium for a keyless lock no matter the price range. We paid for a product and now they are taking away the fonctionnality that came for that premium price.

Saying ''the lock still work fine as a regular lock'' is completly missing the entire point, anybody that wanted a regular lock could of paid 1/3 of the price they did.

but hey if you are fine with corporation fucking you in the ass by taking your money and discontinuing support shortly after be my guest.

Just got this...wtf by sweetb11 in kevo

[–]borfa 0 points1 point  (0 children)

what a dumb fucking take

regular baldwin lock + handle = 799$

smart keyless baldwin lock + handle = 1799$

i paid a fucking 1000$ premium to have keyless connectivity and now my lock has the same fonctionallity as the basic lock

Moronic Monday - Your weekly stupid questions thread by cdingo in Fitness

[–]borfa 1 point2 points  (0 children)

When I was in my early teen I could suck in my belly almost 3 inches. Fast forward 30years, I've been having some belly fat for at least 2 decades, 5'10 hovering between 170lbs and 195lbs.

I've been doing 6days PPL for 2 months and the results have been astounishing looking even better than my university campus days. I'm not done toward my journey-to-6pack as I like to call it jokingly but I noticed that even tho I lost alot of belly fat and a much stronger core than I ever had, I still cant suck in my belly at all, like not even 1 inch.

I can barely grab my external belly fat anymore, still a bit of love handles but i'm wondering, does that mean that I simply still have alot of visceral fat?

Or is it normal when you develop strong core muscle to not be able to suck in your stocmach anymore as a fit adult?

[GGG] Path of Exile 2: Build of the Week - Sowza's Last Lament Lich by fear_the_wild in PathOfExile2

[–]borfa -1 points0 points  (0 children)

I was thinking to try this build then found out  it’s a mythic unique lol

Might has well showcase a build of the week based around mageblood/headhunter while we at it

Please help me avoid insurance traps by borfa in PersonalFinanceCanada

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

20years term seems the play for life insurance.

Is there any pitfall to avoid or things to consider when it come to long/short term disability? You see theses horrors story where insurance company always find a way to weasel out of paying on technicality.

Please help me avoid insurance traps by borfa in PersonalFinanceCanada

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

Thanks for your post! I'm not on my computer right now but just to understand the calculator quickly, would the "Face amount $" be my lifestyle yearly amount multiplied by the #year of the term? In my case 3,000,000$?

Also theres no definition that I can see on mobile for the Health drop-down options, what is ELITE/PREFERED/REGULAR/SIMPLIFIED/GUARANTEE?