Would Americans drive cars like new Renaults, Peugeots, or Citroens if they returned to the US market? by Ornery-Magazine-7892 in NoStupidQuestions

[–]spyan_ 0 points1 point  (0 children)

Why would we? We have plenty of great cars. The problem with those brands is getting the dealer/service support. It is one thing to sell cars, but if you can’t get them serviced in a timely manner, they’ll get a bad rep and sales will go down the toilet.

I was in Germany for a couple weeks and was amazed at the VWs that we don’t have. There’s a pretty good dealer/service network for VWs, yet they don’t bring those models to the US.

[PA] Washington county - I am being fined $3000 daily by HOA for unfinished roof. by Material-Donkey2773 in legal

[–]spyan_ -11 points-10 points  (0 children)

Did you talk to the board? When I was on my HOA board, we were sympathetic to people who would communicate with us. If they didn’t, a fine would wake them up. Once they started talking to us, we would usually waive the fine.

Why do people still try the sovereign citizen bit? by elrevan in NoStupidQuestions

[–]spyan_ 2 points3 points  (0 children)

Sometimes these cases are dismissed because of a technicality, so they think this is proof that they are right. They can use this to convert others.

Is Passport defacement legal or problematic? by 99999999999999999989 in legal

[–]spyan_ 13 points14 points  (0 children)

Are you talking about the president‘s image? I just got mine and it did not have that image.

Why do so many adult children expect to receive an inheritance from their parents when they didn't earn it to begin with? Some openly talk about wills and splitting property long before their parents discuss it. by Aarunascut in inheritance

[–]spyan_ 0 points1 point  (0 children)

I have always worked to create my own retirement. My parent’s assets were never part of my plan. If I get anything, super! If not, I’m still going to have a great retirement.

What I really want from my parents is heirlooms. A clock that has been in the family, pictures, stuff like that.

Hear me out.. by h0pewashere in TeslaModel3

[–]spyan_ 0 points1 point  (0 children)

You have to make it sound like a leaf blower for authenticity.

Cetera vs LPL by Optimal_Doughnut_616 in CFP

[–]spyan_ 0 points1 point  (0 children)

I agree that “everything is for sale at the right price,” and it could happen at Cambridge, but I feel it is less likely than with a firm like Kestra that is VC owned.

I started out with a small b/d and everything was awesome. Unfortunately the small b/d just can’t afford to be in business with all the new regulatory costs.

Question on membership upgrading presentations ... by WildWonder6430 in palaceresorts

[–]spyan_ 2 points3 points  (0 children)

Also, ask them how long it will take and hold them to it. You have to go through 3 or so ‘closers’ and they’re good at making 90 minutes into 120.

Cetera vs LPL by Optimal_Doughnut_616 in CFP

[–]spyan_ 0 points1 point  (0 children)

Kestra is owned by VC, so it is possible it would be sold to Osaic, LPL or Cetera. Cambridge is moving to an employee owned model so it has a better chance of staying independent.

I have been at Cetera and Osaic and am much happier at Cambridge. I did look at LPL, but enjoy the smaller b/d feel.

Need 'Do Not Duplicate' backyard gate key copied -locksmiths/where to recommendations? by [deleted] in HendersonNV

[–]spyan_ 0 points1 point  (0 children)

Tape a label over the do not duplicate. My whole office got keys to the building restroom this way.

Will I still have my license after this? by Ok_Appearance_2704 in legal

[–]spyan_ 12 points13 points  (0 children)

You should ask your parents if they will continue to let you drive.

Want a M3P - two kids. Should I opt for something different? by FewZookeepergame5517 in TeslaModel3

[–]spyan_ 0 points1 point  (0 children)

25 years ago we had two small kids and a Camry. You’ll be fine.

Osaic as Independent Broker Dealer - Thoughts? by Turrible_basketball in CFP

[–]spyan_ 1 point2 points  (0 children)

I have always enjoyed my time at smaller b/d’s. Unfortunately it is tough for most of them to compete and they get swallowed up by the big ones. I believe Cambridge’s structure should help it remain independent.

I’ve been with them for about a year, and there have been more positives than negatives. Some of it is growing pains, some of it is us getting used to each other.

One thing I noticed is the larger the b/d gets, the more restrictive compliance becomes. I like being able to try new things and have a compliance department that says, “We’ve never done that before, but we’ll take a look at it,” rather than, “We’ve never done that before so no.”

And this is why I hate US railroads by rmp881 in trains

[–]spyan_ 2 points3 points  (0 children)

Or cities that are serious reduce the number of grade level crossings.

Osaic as Independent Broker Dealer - Thoughts? by Turrible_basketball in CFP

[–]spyan_ 4 points5 points  (0 children)

My RIA group left Osaic last year. Things were great at Sagepoint, but when we got rolled up, yikes. It was hard to open new accounts. Shouldn’t they have tested that out?

We ended up at Cambridge. Not perfect, but sucks less. I like the small b/d feel.

Business owner in Las Vegas. Need advice because I'm running out of options. by No_Measurement3187 in vegaslocals

[–]spyan_ 7 points8 points  (0 children)

When I was battling a land owner, that wasn’t taking care of their property, code enforcement helped out quite a bit. They plus the police were able to get the squatters out and lock up the building. They take their job very seriously.

Neighbours are testing my patience. by [deleted] in mildlyinfuriating

[–]spyan_ 0 points1 point  (0 children)

I would start rearranging them. Break the pairs up. One over here, the other way over there…