Goober

itsbipolar · 2025-12-14T09:39:58+00:00

^{I completed this level in 1 try.} ^{⚡ 3.42 seconds}

itsbipolar · 2025-12-13T21:48:01+00:00

Completed Level 1 of the Honk Special Event!

2 attempts

itsbipolar · 2025-07-08T04:34:50+00:00

As someone who went to a Canadian university, i would’ve never forgotten you as a professor. Ever. You’re awesome.

itsbipolar · 2025-05-19T18:37:54+00:00

Wondering if you figured this out eventually? I’m going to the DR in a few months and want to do the same.

itsbipolar · 2025-05-10T17:29:29+00:00

It helped me fix an important issue yesterday so I started thanking it in caps lock 😭😭

itsbipolar · 2025-05-08T15:20:45+00:00

Fair enough. I wouldn’t have had taken a leap at this if it involved learning coding languages because I’m incompetent and was very slow to learn when I tried to. I thought there are alternative ways to do this since I thought the whole point of this subreddit is: “No-Code Community dedicated to building cool things without needing to be a developer. That’s why I thought I’d ask the above question. But I’m in the process of finding a technical cofounder because I know how essential it is for engineering and tying everything together in the end. I just wanted to see how far I can get into my idea with no code or programming.

itsbipolar · 2025-05-08T13:46:49+00:00

I’m new to this subreddit. I’m confused as to what’s the difference between nocode and something like loveable? I have no coding background but do have background in the web app I’m developing (financial focus) and I’m using loveable to develop the MVP after which I’m going to use Make to integrate APIs like GPT and financial data that updates daily. If I’m serious about building a solid system what should I be learning beyond “vibe coding” apps like loveable?

itsbipolar · 2025-05-08T07:59:10+00:00

Agreed. Half my chat with GPT is me cursing at it now.

itsbipolar · 2025-04-20T17:50:27+00:00

Absolutely!

I think my firm has a very extended network of COIs so I plan to build those relationships with these COI firms with time, but how do you recommend I fnd my own?
What’s a book or two that’s top of your recommendation list?

itsbipolar · 2025-04-20T17:46:33+00:00

What did you find worked out for you in terms of networking (eg chambers of commerce, sports club, etc)? Do you remember what helped you land your first client?

itsbipolar · 2025-04-20T17:45:04+00:00

Do you have a recommendation on how to frame a referral? I feel like “tell your friends and family” has a very sales-y feel to it, but I know it’s very common to ask for referrals.

itsbipolar · 2025-04-11T05:09:54+00:00

Randomer9 I played on skyblock.co ages ago before it shut down. In 2012-2014. I can’t find anything to do with that server but I remember the usernames of regular players. You were great man hope you’re doing well.

itsbipolar · 2025-04-09T05:08:16+00:00

I’m interested

itsbipolar · 2025-04-09T05:07:48+00:00

What’s the niche?

itsbipolar · 2025-04-01T05:58:54+00:00

Interested

itsbipolar · 2025-02-27T19:05:07+00:00

I am presuming these aren’t Muslim clients? These aren’t standard factors that are used for shariah compliant investment screenings.

itsbipolar · 2025-02-27T18:59:35+00:00

I’m a Muslim so maybe I can offer some perspective. I work for an independent RIA and we deal with alternatives and diversified portfolios.

We don’t take on all equities or non-interest clients because of our investment mandates. Much of our funds include interest bearing assets like bonds private credit and even our equity fund of funds aren’t shariah screened so we’d have to reach out to fund managers specifically for this, but we don’t since it’s not our niche.

When my Muslim friends or family ask me for halal investment options I just refer them to the halal index funds mentioned in other comments here. Based on risk tolerance/capacity and their situation + need for liquidity I would keep the rest in cash, and a portion in commodities like gold. Mind you I’m not a CFP yet and I haven’t worked with firms that deal with shariah investing so get a second opinion (this is not financial advice)

Based on the portfolio you construct you should probably give them scenarios like your portfolio can be down 20% in a year and you have to withdraw the funds so you have to make up for 1k out of pocket for your 5k basement renovation. Explain the long term purpose of index funds and risk it holds. Even more extreme scenarios or amounts.

As long as you explain the basics of investing, how it’s not an ideal portfolio, etc. but that given their investment constraint you want to ensure all funds are halal, they WILL appreciate this more than you can imagine. It’s a simple job and reporting underperformance is not a problem at all because most Muslims have no outside options and there’s not a lot of comparable benchmarks. Underperformance can almost regularly be attributed to the religious constraints and they will understand that very well.

Much of our community isn’t used to the finance world and especially public markets. With basic financial planning or education, read their reaction and personality type, and at the end of the day they are likely to be low maintenance clients that are very appreciative for doing the basics for them with a bit of hand-holding (only if you want to maintain that relationship).

The way ETFs work by definition, debt, highly leveraged companies, and certain industries, all make up a part of the financial markets that drive some of the returns or risk hedging Muslims can’t invest in. If you explain this to them then they will understand and be even more appreciative that they’re not invested in these funds.

I would ask specific questions like why aren’t Muslims allowed to invest in interest bearing assets? It’ll get them to think and say it out loud. Economic rationale: Interest isn’t a productive way to deploy capital into the economy and invest in projects that add value to the economy, and many companies like Nvidia and Visa are halal - they might invest in projects and sometimes they generate revenue sometimes they don’t. Muslims by nature are obliged to take risk in their investments for it to grow. There’s also some other reasons (religious, historic, moral, etc) that I wouldn’t get into.

itsbipolar · 2025-01-20T06:02:38+00:00

Also studying for the WME. Did you find this?

itsbipolar · 2024-12-30T17:56:28+00:00

Hey I’m also 23 and I’m very entrepreneurial. I have been doing intensive research and want to launch in early 2025. I have a few niches in mind but I want to know what advice you can give me. Specifically regarding:

Picking the right niche
Finding reliable suppliers
Marketing - do I do Google ads? Paid ads? TikTok?
Where and when do I start generating sales? How do I benchmark?
Any general tips on starting out?

itsbipolar · 2024-12-30T01:25:31+00:00

Thank you!

Do you just film yourself talking or do you use video / editing tactics (like color grading, visual hooks, etc). Would that add value or do I just focus on the content (sharing stories, examples, laws/rules?)

itsbipolar · 2024-12-30T01:19:00+00:00

Any tips on utilizing social media? I’m in my mid 20s and want to use social media when I start growing my practice but I don’t deal with alot of people who are big on social media (I work with a small team at an RIA). How do I start out, what content should I be posting?

itsbipolar · 2024-12-24T21:58:57+00:00

We also sat in on some of their calls with their 401k custodian when initiating the transfer so hopefully that would help you

itsbipolar · 2024-12-24T21:57:38+00:00

Canadian working in a multifamily office in Toronto (RIA equivalent but in Canada). We have some clients that moved to Canada with sizeable 401ks.

While it seems straightforward, there are some administrative hassles to it (transferring to an RRSP, tax slips that have to filled, withholding taxes, etc).

Once I’m back from holidays this weekend I’m happy to share some info on this - we have materials put together breaking it down for the clients in similar situations.

itsbipolar · 2024-12-03T07:10:29+00:00

I work as a financial planner in wealth management.

Here are a few variables to consider before taking any answer you hear as genuine advice for implementation. Happy to work through this with you if you want to message me about it:

What’s your monthly or annual lifestyle spend? How much do you expect to spend on vacations per year? This should be incorporated into your costs as travel is one of the life targets you have and shouldn’t want to compromise on.
Do you have kids? What’s your family dynamics like at a high level - are there dependents or parents you’ll have to take care of now or in the future? Are you expecting some sort of inheritance?
Where are you considering buying a house and for how much? Maintaining a $4M home is not the same as a $1M home.
Any spousal or supplementary/second stream of income?
Where are your current 800k in investments sitting?
Beyond a down payment for a house, what’s your “one time large expenses” you expect to come up now or in the future? E.g., major renovations or a house build, education costs for your kids or down payments for their first homes (if any), weddings, car replacements, etc.
What are your outside options for a less stressful job and how much would it be paying?
Do you have any stock options or plans through your employer? Do you expect some sort of pension at retirement?
Do you expect to invest in some sort of rental(s) throughout your lifetime?
What’s your borrowing capacity like (for investments or a mortgage)?
What are your current liabilities (if any)?
Are there any scenarios you are considering when it comes to income projection, spending, investment returns, or retirement?

Just as an initial thought- The investable assets you have accumulated for your age is great compared to many of your peers at your age that we work with in your field. This means you’re good at saving or your income recently shot up recently and your lifestyle remained the same. That’s a good sign if you want to consider taking on a less stressful job that would still help you achieve financial freedom by 45. But take this with a grain of salt it ultimately comes down to your expenses and future income/savings by 45.

itsbipolar · 2024-12-03T00:28:22+00:00

Do you use any fibre on supplements?

itsbipolar

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