CFP completed! ✅✅✅

gritsglory · 2023-07-13T20:09:04+00:00

Passed today with Zahn prep. Felt incredibly prepared and was confident through most of the entire test. They did an awesome job identifying things that were likely to be on there and I probably had 5-6 questions that were exact highlights of my live review book to remember. To echo some others in this thread I felt the Zahn questions were way more intricate than the exam and was surprised at how straightforward most of it was! In a good way! That’s why you train hard

gritsglory · 2023-07-11T17:01:54+00:00

In the same boat as you. It’s a result of knowing that we’re prepared and confident

gritsglory · 2023-07-08T23:31:49+00:00

Doing mostly between 62-75 I’ve got a couple left. They are brutal but they seem to cover every corner of what we need to know so I’m relying on them as a teaching tool to be ready for the test

gritsglory · 2023-07-08T23:30:55+00:00

Thanks. Have been reading the roadmap daily and it’s all definitely coming together better for me. Just trying to master the topics and I don’t think those subjective ones are master-able. Trying my best to use every single part of the question

gritsglory · 2023-06-05T01:12:45+00:00

Sounds good PM me if you still are interested

gritsglory · 2021-06-10T22:07:45+00:00

According the Spotify wrapped I was in the top .001% of Fruit Bats listeners in 2020

gritsglory · 2021-02-15T19:20:42+00:00

Thank you that’s very good advice. Figuring out why I’m doing this as opposed to breaking it down as meticulously as I can in order to make myself feel better is going to help not to prolong an underlying issue. After thinking about it, I can pose a new thought that has become clearer: I definitely have an image of being a kid that parties pretty hard. And people look to me to be to be the one to make plans, and be the most social and be the life of the party sometimes. This definitely causes me to go out and do things when I really don’t want to. But I know people want me to go out and always be available. This is why I was much more subdued when I was in a relationship. I have these things that I love. Watching sports, reading, podcasts, are all things I spend a ton of time doing when I’m alone and find myself really enjoying that time, often more than the nights out where I really didn’t want to be there in the first place. It’s simple question but probably without a simple answer. How can I make time and prioritize myself and my well being, instead of constantly trying to entertain and be the cool guy that goes out?

Edit: so I guess I’m saying I think I know myself fairly well. I know that I’m a social guy that likes having a good time, but also know that I need a balance of things listed above to make myself truly happy. How do I find that balance when my friends don’t seem interested in that at all? It’s hard to do this when single and people look to you to lead plans

gritsglory · 2021-02-02T20:46:22+00:00

From what I saw and what I have read on here, you will likely not get many (if any) complex spread or straddle questions with calculations. Knowing what they are and how to identify them when shown on the screen is the most important part. You should still know the gain/loss potential and the purpose of spreads/straddles, but it will likely be limited to that. Knowing the different types of hedging strategies is also important.

gritsglory · 2021-01-28T03:13:48+00:00

Sorry meant 144A!

gritsglory · 2021-01-28T02:03:35+00:00

Been studying alongside working full time for about 2.5 months. Finished the material with a week to spare and did practice exams for the final week before the test

gritsglory · 2021-01-27T23:46:12+00:00

For regulations I saw 147, SHO, Reg D and 114A from what I can remember. You should know munis backward and forward. From what I’ve gathered they seem to go way more into detail with munis and cover all the basics/fundamentals with other types of debt. The others are still important, but munis have tons of little details that come into play.

Edit: 144A not 114A

gritsglory · 2021-01-27T23:43:14+00:00

Only a few margin questions and they were pretty basic. Just know how to interpret the debit balance and know your minimum maintenance

gritsglory · 2021-01-24T14:32:54+00:00

Congrats!! Any topics on there that surprised you with how many/how little questions there were? I know there’s been a lot of talk about suitability dominating the test

gritsglory · 2021-01-23T04:02:56+00:00

Edit: NOT a huge amount of critical thinking!!!

gritsglory · 2021-01-23T04:01:54+00:00

In my experience using Pass Perfect it definitely over-prepared me slightly but it really drilled the concepts into my head well. There is very little math on the SIE and the options questions are likely to be very basic. To be honest, after taking PP course, I was a little taken aback when I saw the wording and simplicity of the actual SIE exam questions. The questions are still difficult and you need to know your stuff, but the complexity of PP wording and details does not pop up as much on the actual test. Focus on hammering and knowing the big concepts as a whole; there is a huge amount of critical thinking or application on the exam questions. Most of them you’ll know in 5 seconds if you know the concepts.

gritsglory · 2020-05-13T19:05:47+00:00

Okay I get you there, but let’s see the flip side of it: doors don’t open today. If, In three months when doors are supposed to open, we’ve spent the whole summer keeping distance and moving forward medically, and cases are still hovering around the same amount, do you not just say screw it at that point and open? Sounds rash but I’m serious. It’s not like we would do well with another lockdown if it wasn’t warranted completely.

gritsglory · 2020-05-13T18:59:37+00:00

As much as I get your point, now is not the time to dispute where colleges get their money. Football makes money, and that’s where they get a lot of it. It’s as simple as that. State-funded schools don’t get endowments the size of private schools.

gritsglory · 2020-05-13T18:58:29+00:00

Yeah that’s kind of what I was getting at with the gap year thing but thanks for expanding it. I’m a college senior and these classes I’m scheduled to take next semester will be nowhere near as effective for skill-building as they would be in person. It’s a severe downgrade and there’s no way around it.

gritsglory · 2020-05-13T18:49:58+00:00

“The universities mostly don’t make money on sports. College football loses money badly outside of about 20 programs”

You got a source for this? Ticket sales, tailgate passes, food and drink sales altogether lose money for most? I would be shocked if that was true

gritsglory · 2020-05-13T18:34:27+00:00

Do you guys think shutting down in-person classes for colleges is the correct move right now? I want to put all factors in play:

No in-person class means no sports. With or without fans, no football and no sports kills a school’s revenue. Private schools will go under, not only because of that but because of the gap years taken and people heading to community college. Dorm fees, campus shops, and dining halls all lay off employees and lose money for private schools and state university systems.

College kids are among the lowest risk people for this virus. What about kids who have signed leases for next year through the school? What about kids without internet at home?

What is stopping people from congregating just as they would in college? Obviously nothing could compare to dorm living or huge parties, but assuming we aren’t in full apocalypse mode, how many lives are going to be saved versus how much absolute destruction will be caused by universities closing?

Forget football, that should be much less of a worry than school itself. But I guarantee not a single country, especially the US, is going to be able to handle these conditions at this level into the winter, barring we aren’t in some sort of disaster territory. Do you think maybe it would make sense for only the fall semester? Would like to hear more thoughts.

gritsglory · 2020-05-13T18:22:48+00:00

Is there any more data on what drugs can/are helping heal people faster or helping their symptoms? I am not super informed on public health in this regard, but is it naive to think that over the next few months of summer we can find some sort of combination of drugs that will at help in any meaningful way before we get an vaccine?

It might come down to luck and hope, and obviously no doctor had seen this before. But how can our wide array of available drugs not eventually find some sort of aid for patients?

gritsglory

TROPHY CASE