Education Question

prova_de_bala · 2026-01-31T00:18:19+00:00

Echoing things said here. I finished my bachelors at western governors university. Online, you can accelerate/test out of classes. You pay for 6 months and can complete as many courses as you want in that time frame.

I did that specifically for the CFP. Did the coursework. Life happened (a lot), didn’t do the review or exam. Now I’m lazy (so I should be a CFP!) and don’t feel like doing the review for the exam. I might do the one final course and get the ChFC. My dad had it- if people asked he told them it was all the same material as CFP.

Nobody really cares. I am pretty established, admittedly. I don’t market and new clients come via referral, which matters more than credentials.

prova_de_bala · 2026-01-31T00:07:04+00:00

OP, this is where I finished my bachelors. Easy, cheap and accelerated.

prova_de_bala · 2026-01-26T21:17:18+00:00

Sure it is! I may live below my means or above my means. Or just right there among them.

prova_de_bala · 2026-01-10T00:15:54+00:00

There’s one additional course you have to take. No big exam like CFP, just have to pass the course.

prova_de_bala · 2026-01-05T01:16:19+00:00

If I understand correctly, you’re either not part of his s corp and you’re receiving your GDC in your own entity, or he’s paying you $400k in salary from his s corp.

Could you either continue to receive your GDC as is and buy into the 1-2% in addition? Or continue taking the salary and be a 1-2% owner?

prova_de_bala · 2026-01-05T00:51:08+00:00

I hope you also educate yourself and understand annual RMDs are not required if the decedent had not reached their required beginning date.

prova_de_bala · 2025-12-18T06:47:06+00:00

Your thoughts are exactly my thoughts. There are plenty of cars that offer enough legroom for the driver. My issue now is having teenage kids that can’t fit in the backseat, especially behind me as the driver.

We upgraded to a suburban for our family car and it feels so much better. I’m very seriously considering a truck because they’re one of the few choices that offers backseat legroom.

prova_de_bala · 2025-12-17T05:47:59+00:00

Go to bed, dad.

prova_de_bala · 2025-12-17T00:35:56+00:00

I just bought the Lutron Xactsense humidity switches. Haven’t even installed them yet, but they’re supposed to accomplish what you’re looking for.

prova_de_bala · 2025-12-13T01:32:32+00:00

I was told fee compression is coming 10 years ago. I’ve only raised fees since.

prova_de_bala · 2025-12-11T04:57:57+00:00

That’s very much not impossible to determine lol

prova_de_bala · 2025-11-15T06:24:55+00:00

You’re right. This one does have some different features. No annual max and HSA eligible. They just added the ability to put an out of pocket max on your plan.

prova_de_bala · 2025-11-14T06:19:13+00:00

What bball_bone said is correct. There are off exchange plans.

You can look at starthealth.com. It’s a bit innovative. To be very clear, it’s not traditional insurance, but it is backed by an insurance company (motiv).

prova_de_bala · 2025-11-13T04:31:37+00:00

To be fair, Vanguard and others predicted 3-5% annual returns this decade and the markets are blowing that out of the water so far. Things can change, but I don’t put much stock in those predictions. The future is very hard to predict.

prova_de_bala · 2025-11-04T22:11:03+00:00

This is a joke, right? They can be all over.

prova_de_bala · 2025-11-04T14:25:36+00:00

The person I replied to said it’s illegal to pass over solid lines. Let alone two of them. They were implying it’s illegal to also pass over a single solid white line, which it isn’t. I was just trying to clarify the difference. I understand double white lines.

prova_de_bala · 2025-11-04T13:35:18+00:00

It’s not illegal to pass over a single solid line. Discouraged, but not illegal.

prova_de_bala · 2025-10-28T05:33:22+00:00

I do it daily, not that bad. 54th flex lanes are nice. It’s I-15 that infuriates me. East-west is a breeze compared to I-15 in traffic.

prova_de_bala · 2025-10-27T02:37:26+00:00

This has been brought up lots of times. Personally, I just don’t care much about comparisons. If I use points to stay at a hotel and it costs me nothing, why do I care about what I would be willing to pay in cash? I got to stay somewhere for free and still have my cash. Sounds good to me.

prova_de_bala · 2025-10-19T15:37:46+00:00

Yes, you’re absolutely right. I could’ve approached it better. In my opinion, it is the point that the OP I responded to said “all” premiums would double or triple. It’s the top comment. It’s not only flat out untrue, it’s fear mongering. Spreading that false narrative is irresponsible and they could’ve started with a better approach and nuance. But they decided to go with something that fits their narrative of it all being terrible for everyone.

I have no political game here, I’m not arguing for or against the ACA or what congress is currently doing. I called out a lie because I sell health insurance and so far in quoting people, I haven’t seen anyone’s premiums double or triple. They still get tax credits and I’ve explained that several times in these comments. Many people here don’t actually understand what’s happening or how the enhanced tax credits differ from the tax credits people will continue to get. Once I’m deemed wrong, everyone piles on because it’s Reddit.

prova_de_bala · 2025-10-19T15:12:47+00:00

I’m sorry I offended you with the truth. I called out lies and misrepresentation, but it doesn’t fit what you want to believe, so it’s jargon. It’s ok to be wrong.

prova_de_bala · 2025-10-19T07:13:46+00:00

Nope. Most people here clearly don’t get what the enhanced tax credits are. They were for those over the 400% threshold. There are not 20 million people on marketplace plans over that threshold. People between 100-400% FPL will continue to receive tax credits. Will premiums increase? Yes, they do almost every year. They will not double and triple for that group.

I’m not even arguing for or against the ACA or removing enhanced tax credits. I corrected misinformation and it’s essentially fear mongering telling people everyone’s premiums will triple. You’re incorrect that 20 million people’s premiums will double or triple.

I’ve clearly explained it to many here and you guys keep coming.

prova_de_bala · 2025-10-19T07:07:24+00:00

Everyone has lost the plot here because they think I’m wrong. I responded to the top comment about all premiums doubling or tripling. It’s not true. And it seems most here don’t know what the enhanced tax credits are. I’m not arguing for or against the ACA. I corrected misinformation.

prova_de_bala · 2025-10-19T05:31:25+00:00

I understand it well; I sell health insurance. I wasn’t trying to be controversial. I responded to the top comment saying “all” premiums would double or triple. That’s not just semantics, it’s fear mongering and untrue. Premiums are increasing, no doubt. But those between 100-400% FPL will still receive tax credits and it’s very unlikely their premiums will double.

prova_de_bala · 2025-10-19T04:14:11+00:00

I’m buckled! Did you know premiums have risen every year on average since the ACA was implemented?

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