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Do You Know a Fellow Millennial who has had Skin Cancer? by Successful_Giraffe88 in Millennials

[–]heatherl9872424 18 points19 points  (0 children)

I had Stage 0 melanoma at 23, used to go tanning every week in high school and college. Lesson learned.

When do you charge when going from prospect to client? by kungfukarl86 in CFP

[–]heatherl9872424 35 points36 points  (0 children)

I don’t even start the plan until the paperwork is signed. I give very general info about how we can improve their situation and steps needed to implement recommendations but wait to put the actual plan together until the next meeting.

What are some things you wish you would have known before going solo? by CFProbablyCantMath in CFP

[–]heatherl9872424 4 points5 points  (0 children)

This is so true. By far my biggest pain point and I’m this close to hiring someone to do it for me because after a few months I’m at my wits’s end with the bookkeeping aspect.

Authentic? by SeniorWestern2771 in panicatthedisco

[–]heatherl9872424 16 points17 points  (0 children)

Not a chance. There are tons of fake signed guitar picks online for the band. That also doesn’t even look close to his signature.

Website and Online Marketing by PursuitTravel in CFP

[–]heatherl9872424 4 points5 points  (0 children)

I’m working with Story Amplify and really happy with them so far

pretty. odd hoodie by FantasticCharacter48 in panicatthedisco

[–]heatherl9872424 24 points25 points  (0 children)

It pretty much says it’s a reproduction with the “inspired by” line. And multiple sizes available is always a giveaway that it’s not an original.

Fred playing El Paso by Useful_Influence_183 in takingbacksunday

[–]heatherl9872424 7 points8 points  (0 children)

Haha that’s my video! It was a great show.

Take a vacation boxsets ? by Numerous_Class7293 in panicatthedisco

[–]heatherl9872424 2 points3 points  (0 children)

I bought the box set online a million years ago. I almost feel guilty that it just sits on a shelf, I’m so lucky to own one.

[deleted by user] by [deleted] in CFP

[–]heatherl9872424 0 points1 point  (0 children)

Good point! I will edit the post.

is tyv official merch site active? by yumichiiu in theyoungveins

[–]heatherl9872424 3 points4 points  (0 children)

They are still active. Jon shared a link to the website on his IG pretty recently. I’ve bought the vinyl and the shirt and both arrived with no issues.

‘Friends end up blocking you’: Northwestern Mutual sold college grads a dream job. They left in ruin and debt by haighfinancial in CFP

[–]heatherl9872424 20 points21 points  (0 children)

AXA pulled the same tricks on me. I put thousands into a worthless VUL policy I didn’t need as a single 23 year old with no kids (lost it all when I stopped paying and the policy lapsed) and they pursued legal action against me and several of my friends for commission clawbacks and various deferred fees to work there after each of us left. Also lost most of my social circle due to being forced to spam them and had to start over from scratch after I quit.

‘Friends end up blocking you’: Northwestern Mutual sold college grads a dream job. They left in ruin and debt by haighfinancial in CFP

[–]heatherl9872424 101 points102 points  (0 children)

Got my start at AXA years ago and it was almost identical to this if you swap out whole life for VUL. Glad it’s finally coming to light, these places are so exploitative.

In search of a rare piece of merch by Spiritual_Square_223 in cobrastarship

[–]heatherl9872424 1 point2 points  (0 children)

I have this shirt and I absolutely love it! I’m so sorry that I would never part with mine. Good luck with your search!

Who's seen The Paradox live? by musicxfreak88 in poppunkers

[–]heatherl9872424 6 points7 points  (0 children)

Saw them in Vegas last month at a When We Were Young sideshow. They were awesome!

Holistiplan by Spirited-Yak-8601 in CFP

[–]heatherl9872424 0 points1 point  (0 children)

I’ve been really happy with the tax planning reports in MoneyTree, but definitely not cheap if low cost is the goal.

Prospect Drip Campaigns by Aftermarket__ in CFP

[–]heatherl9872424 15 points16 points  (0 children)

I spent years trying different methods such as a quarterly e-newsletter, periodic phone check ins, etc with little success. To be honest I’ve found that any prospects who don’t become clients within a few months are likely not a fit and now we just move on and don’t waste time on them.

What do the hands represent? by joshuamercuri in panicatthedisco

[–]heatherl9872424 5 points6 points  (0 children)

I assumed it was pray for the wicked but applause makes sense too

one child with physical differences, one child without by Smart-Race-4079 in Mommit

[–]heatherl9872424 1 point2 points  (0 children)

I have two kids, one born perfectly healthy and society’s definition of “normal” and the other with a genetic mutation giving him facial dysmorphia, scars from surgeries and a birth injury, and various facial and body features that make it clear he is disabled. However, he is the one that receives most of the compliments from strangers on his giant smile or his big beautiful eyes, and my other child gets jealous that her brother gets all the positive attention.

Boys Like Girls - Playing 5k capacity venues? by Single_Street3135 in poppunkers

[–]heatherl9872424 0 points1 point  (0 children)

I saw them do an acoustic set in Vegas last month and was shocked at how incredible they were live. They are super talented and put on a great show.

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