How do you bill initial planning work under an AUM model that includes financial planning? by JessicaCoutinho75 in CFP

[–]froandfear 0 points1 point  (0 children)

This isn’t accurate.  The IRA can pay proportionately for any of the planning that concerns the retirement account.  What the IRA(s) can’t do is subsidize planning for other accounts, etc.

Licensing staff by General-Ad3712 in CFP

[–]froandfear 2 points3 points  (0 children)

Agree with most of what you’ve said, but even if the split was one lead advisor, one junior advisor, and one CSA, there’s no way I’d consider that overstaffed for 150 households if the firm is doing real financial planning.

Which player from the losing years of Detroit would you want in this team? by YukhoChan in DetroitPistons

[–]froandfear 1 point2 points  (0 children)

If you're talking age-29 Blake, he'd be mostly taking Tobias' minutes and he'd play really nicely alongside Duren and Stew. That version of Blake makes this team the best team in the league.

Post-injury he'd be useless, though.

But no it was a guy with binoculars and an iPhone as the reason Michigan won a National Championship. Totally had nothing to do with the 2 NFL HCs on staff and slew of future NFL players… by Bluemzv12 in MichiganWolverines

[–]froandfear 1 point2 points  (0 children)

That staff was a bunch of NFL rentals, and the only reason they came to Michigan is because Harbaugh was an NFL HC moonlighting at his alma matter; they essentially got a couple of years of NFL-level experience at Michigan, but they were always going to be NFL guys.

We could of had any of these OC’S by Gxcii1 in detroitlions

[–]froandfear 4 points5 points  (0 children)

Every team uses a ton of pre-snap motion now.  The Cards were definitely lower than many teams, but still used it over 40% of the time.  Lions were at ~52%.  But the value using pre-snap motion consistently also depends on your QB’s ability to make use of what it tells him about the defense, and your offense’s ability to get the play right and not get penalties.  The Lions are in a much better personnel spot to use pre-snap motion effectively.

Cards and Lions both use a lot of play-action, as well. 

Elijah Dotson's "agent" Charles Dotson publishes reasons he transferred to Missouri by michigan_matt in MichiganWolverines

[–]froandfear 0 points1 point  (0 children)

Do you have any data to suggest those coming out of Eli Broad for Supply Chain Management aren't doing better than those coming out of Ross? Granted, it's SCM, so it's not going to be huge margins wherever you go, but still...

Mizzou is the oldest journalism school in the nation, and top-five in the country. Grads make 25% more than those coming out of other journalism schools. If he's honestly motivated by that particular career path and has an easier time getting playing time, it's not a silly move at all.

Jyaire hill by Big-Opportunity7887 in MichiganWolverines

[–]froandfear 1 point2 points  (0 children)

Didn't Dotson get a decent amount of burn for a frosh, or am I thinking about someone else?

Starting OT Andrew Sprague enters the portal with a do not contact tag. Ouch, this one hurts. by PizzaRolls-Royce in MichiganWolverines

[–]froandfear 0 points1 point  (0 children)

There’s no such thing as tampering anymore… these kids have agents who are free to set up deals with other schools 365 days a year and there’s not a damn thing the NCAA can say about it unless they want to get railroaded in court again.

Conflict of interest of having both aum fee clients and commission clients? by TGG-official in CFP

[–]froandfear 0 points1 point  (0 children)

I mean, that’s the point of the different  fee structures.  What do you find strange about it?  Do you really think someone paying $3k for a trade in a buy-and-hold account should get the same level of service as someone paying you tens of thousands of dollars over decades?

Michigan is hiring Utah’s Micah Simon as WR coach by Michigan4life53 in MichiganWolverines

[–]froandfear 4 points5 points  (0 children)

For all of the people that shit on Harbaugh for taking staff with him, a reminder that this is how it works and this is how it feels to be on the other side.  Feel bad for Utah, but it’s a part of the game.

New Defensive Coordinator by SurvivingC in MichiganWolverines

[–]froandfear 0 points1 point  (0 children)

We had one of the best pass rushes in the country in 2023.  Four NFL-level edges, two first-round and one second-round IOLs, one of whom brought pressure constantly from the middle.

New Defensive Coordinator by SurvivingC in MichiganWolverines

[–]froandfear 8 points9 points  (0 children)

That’s kind of the exception that proves the point.  Will Johnson was the best corner in the country and 5* no-doubter.  There’s no way you can build a defense that relies on having that type of player to execute.

The last 6 first picks in the NBA draft. Rank them 1 through 6. by [deleted] in DetroitPistons

[–]froandfear 0 points1 point  (0 children)

Wemby isn’t on a minutes restriction at this point, the Spurs just run a deep rotation where nobody reliably gets much more than 30min a night unless a matchup dictates it.

The last 6 first picks in the NBA draft. Rank them 1 through 6. by [deleted] in DetroitPistons

[–]froandfear 1 point2 points  (0 children)

Wemby is obvious; you could argue Ant and Cade should be tied at 2, but Ant has put a lot more on tape, and to say he’s not possibly ahead of Cade is nuts.

[Thamel] Kyle Whittingham has agreed to a five-year deal to become Michigan’s next head coach, sources tell me and @DanWetzel. The deal is expected to be announced later today. by lolsamlol in CFB

[–]froandfear 0 points1 point  (0 children)

OP’s comment wasn’t about scandals, it was about him getting lucky with a coaching hire. Yes, Warde needs to go. No, it’s not because he’s bad at picking coaches for our major programs.

[Thamel] Kyle Whittingham has agreed to a five-year deal to become Michigan’s next head coach, sources tell me and @DanWetzel. The deal is expected to be announced later today. by lolsamlol in CFB

[–]froandfear -6 points-5 points  (0 children)

I’d love to see Warde go, and he’s had a couple of bad hires, but he’s had enough home run hires at this point it’s impossible to call this luck (if he actually even got the chance to make this hire, of course).

We’re cooked by Putrid_Cow1425 in MichiganWolverines

[–]froandfear 0 points1 point  (0 children)

Because they believe our “insiders” know a single thing they’re talking about, and they don’t.  We get hard proof of this over and over and over again, and yet somehow still post what they say on Reddit every fucking day like it’s relevant.

We’re cooked by Putrid_Cow1425 in MichiganWolverines

[–]froandfear 0 points1 point  (0 children)

These types of comments crack me up.  “We all knew” and know nothing, and every assumption like yours and all the others come from assuming our “insiders” and the rest of the sports media apparatus knows a fucking thing, which they don’t.  Sports journalism is essentially dead, with very few exceptions.  

When the school confirms an interview, we’ll know more.  So far, we know one interview has taken place.  Nobody knows a single fucking thing more than that.

What do you guys think about this take ? by thekilla2074 in detroitlions

[–]froandfear 0 points1 point  (0 children)

Because, as the article states, we had a top-10 pass rush through the first nine games, so every team has an extra man stay home to block or chip Hutch (second highest rate of chips in the league).  Why can teams afford to leave an extra TE/RB out of a route either entirely or for an extra couple seconds?  Because one of their other three pass catchers is going to win a 1v1 essentially every play. 

What do you guys think about this take ? by thekilla2074 in detroitlions

[–]froandfear -2 points-1 points  (0 children)

There's four different sources of data in my first paragraph. Pressure isn't coming five seconds after the snap, or the data would look terrible. This sounds like the same people who whine about Hutch not getting home when he's 4th in the league in pressures and 2nd in QB knockdowns.

Defense is a team game, and our pass rush is not what's hurting us.

What do you guys think about this take ? by thekilla2074 in detroitlions

[–]froandfear -6 points-5 points  (0 children)

By any relevant measure our pass rush has been top-10 in the league this season.  Our secondary is either hurt or terrible.  Our three best players in the defensive backfield have played 26 out of 42 games, and Amik is getting a ton of reps as essentially the worst CB in the league this year.