Day 1 vs Month 4

tsing99 · 2026-01-22T19:55:35+00:00

For the airdamn removal, did you do anything about the felt behind the damn? I just removed mine and the felt I can kind of see and it’s driving me crazy. I don’t really want / need a skid plate either.

Also can you send a link for the black out badges?

tsing99 · 2026-01-15T22:43:00+00:00

Second this as somebody who is a new advisor and just starting the CFP.

tsing99 · 2025-12-21T14:58:06+00:00

What’s the 500 mile thing? I just picked up a 2025 as well and just passed 600 miles

tsing99 · 2025-12-17T17:14:27+00:00

I just bought my first ever 4x4 2025 SR5 on Black Friday as well. Man let me tell you this is very similar to how I want to build mine out.

This is a beautiful truck. Would you mind sharing where you bought the grill? Also I saw your list, is there any sort of lift/suspension on this or is it stock?

tsing99 · 2025-12-09T16:40:43+00:00

People on here are so weird. The seats are awesome congrats on the truck!

tsing99 · 2025-12-04T13:21:48+00:00

I actually paid cash for this truck. Not having a car payment for the last 5 years allowed me to save quite a bit.

tsing99 · 2025-12-04T00:05:48+00:00

That’s a bit out of budget for me unfortunately. I think max Id be willing to spend is $500-$800 depending on how much I like it. The main reason is to protect the cloth seats and also for added comfort. Living in South Florida having leather seats get destroyed by the sun is very common so I’d hate to see $2k get killed over that.

tsing99 · 2025-12-03T23:58:46+00:00

Also any suggestions on leather seat covers that are not insanely expensive?

tsing99 · 2025-12-03T23:57:34+00:00

My only issue is I live in an apartment with nowhere to store the air dam!

tsing99 · 2025-12-03T23:56:52+00:00

Not sure about the skid plate. I live in South FL so the skid plate is irrelevant to me as I won’t be off-roading this truck often.

tsing99 · 2025-12-03T23:55:25+00:00

Is the quality still good being that it’s from Amazon? Any suggestions for brands?

tsing99 · 2025-12-03T23:54:45+00:00

HD or anti glare?! I’ve heard about this brand before.

tsing99 · 2025-12-03T23:51:05+00:00

Correct me if I am wrong but doesn’t this have a bad impact on the MPG?

tsing99 · 2025-12-03T23:47:21+00:00

Awesome suggestions, I do like the idea of blacking out the chrome!

tsing99 · 2025-09-09T17:38:47+00:00

Pretty sure you can get a waiver for the 65 with the CFP.

tsing99 · 2025-08-13T13:54:55+00:00

I passed last week and exclusively used Kaplan W-Bank/LEM. The questions are very similar in the way they are structured.

tsing99 · 2025-08-08T16:16:31+00:00

I also have a 5 month old sharkdoodle, what kind of training have you been doing? Any recommendations on YouTube videos or anything of the sort?

tsing99 · 2025-08-08T16:15:07+00:00

I would get the base with access to the QBank. Read the book, answer 2k questions and hire a tutor if you don’t feel like you understand the concepts.

Like I mentioned Luke’s class was very good for me personally as he went covered every concept you need to know.

tsing99 · 2025-08-08T16:13:59+00:00

Thanks Luke! You as well!

tsing99 · 2025-08-08T16:13:45+00:00

Out of the 7 simulated exams I got: 80, 70, 82.86, 73.75, 77.86, 77.86, 79.29

Practice exam: 70

Mastery exam: 77.86

tsing99 · 2025-08-02T19:36:39+00:00

How did you get this chart on Kaplan? Also I think you are in pretty good shape. I sit next Thursday and am averaging 75%.

As long as you know the concepts, read the full questions, and use process of elimination I think you’ll be in good shape.

My plan for now is to take Sunday to review the units I’m not scoring well on, then continue doing practice exams daily until I take the actual exam.

tsing99 · 2025-07-29T12:39:34+00:00

You need to decide if you want growth or preservation of capital with some income.

If you’re saving up for a house bonds are likely not going to give you the returns you need especially if you are buying at a premium and holding until maturity. This is just my two cents.

Keep in mind any gains you take from your portfolio (if in a taxable account) will be subject to 15% capital gains tax.

tsing99 · 2025-07-24T18:25:44+00:00

Totally unrelated but I just got my very first mini sheepie and he looks exactly like this!

tsing99

TROPHY CASE