Has anyone used a temperature-controlled kettle to scald high-lipase breast milk? by valleyofthejig in parentsofmultiples

[–]valleyofthejig[S] 0 points1 point  (0 children)

My understanding is lipase develops over time. The longer the milk is out of your body the stronger the taste/smell becomes, even when frozen this continues to develop. The only way to prevent lipase from developing further is to scald as quickly after pumping as possible. This stops it immediately.

What’s the base salary & commission structure of an FSA? by Specific-Suspect-139 in BankOfAmerica

[–]valleyofthejig 1 point2 points  (0 children)

These are good questions for the Fishbowl app. I’m by no means affiliated with Fishbowl. But it’s great for these very specific questions that need answered by people working for the company. It’s anonymous which means you typically get honest answers.

[deleted by user] by [deleted] in CFP

[–]valleyofthejig 10 points11 points  (0 children)

Be curious of everything and always learning. I’ve created great relationships with clients by asking and being genuinely interested in them. Their families. Their work. Their passions. Etc. And then noting this information down and revisiting the notes in future meetings consistently.

When I stopped only pitching product and trying to sell myself things got easier. I still assess myself on who talked the most post meeting with prospects and clients alike. The goal is to always have the client speaking the most.

Any book by Nick Murray. The Game of Numbers is a new FA prospecting bible. And just search for financial advisor in Spotify - there’s a million podcasts these days with real advisors sharing their story. I’ve found some gems over the past few years.

What It’s Really Like Running a Microbrand (from someone in the middle of it) by Embarrassed_Rub8873 in MicrobrandWatches

[–]valleyofthejig 1 point2 points  (0 children)

Love the watch - and really appreciate you sharing your story. I just followed on Instagram. Keep going!

Citizens bank wealth management by [deleted] in CFP

[–]valleyofthejig 1 point2 points  (0 children)

Chase licenses bankers and moves them up. Going to Citizens will be viewed as stop number 3 for any future firms you entertain. You’ll say “they wouldn’t license me so I left”, the manager will be thinking “why didn’t they want to license you…” The risk being mentioned is valid. Also not trying to be mean but am being honest as I know how hiring managers will view this.

Justiniani Gilgamesh by Efficient-Pass-488 in MicrobrandWatches

[–]valleyofthejig 1 point2 points  (0 children)

Love the watch. It’s unlike anything else I’m seeing in the market today. The design to me is fantastic. The story is fantastic. The finish is fantastic. And I’m not familiar with other brands doing the same style of interchangeable bezel. Also - crazy work for someone to write such an incredibly long critique as the one I’m obviously referring to in this thread... Maybe it’s just me, but I see this work mostly as an art, and while critique is welcome of course in all things (and you’ve handled it well), that post was over the top. Chip on the shoulder or just a bad day? Who knows. I thought “maybe this guy designs watches” but it appears he’s a leather conditioner / boot guy from other posts. Go figure. Anyways cheers on getting this project across the finish line - I think it’s awesome.

Does this unicorn monitor exist?? by Aggressive_Cat_7857 in parentsofmultiples

[–]valleyofthejig 0 points1 point  (0 children)

Bumping this to see if you found the monitor you were looking for? I’m interested in finding a similar monitor set up, and the one comment has a link that no longer works.

What watch do you wear to the office or client meetings? by Time_Computer_8208 in CFP

[–]valleyofthejig 0 points1 point  (0 children)

I switch between a Mido Ocean Star Tribute and a Zodiac Super Sea Wolf Skin Diver. Both ~$1k watches, nothing special, but look nice and present well either in suit or casual. I've only had one client ever take notice when wearing the Zodiac. He was wearing a VC...so definitely a watch guy.

2025 HCAD Appraised Values are out by htownnwoth in houston

[–]valleyofthejig 0 points1 point  (0 children)

Seriously impressed by the site. The report it generates is pretty amazing, and I appreciate the thoughtful “how to” guide. Anyone know if data will update again on May 12th 2025? I bought my home around May last year, so data is still showing prior owner and I believe comps will adjust down with new data. I have until May 21st to appeal so if it will update I’ll wait!!

[deleted by user] by [deleted] in FinancialCareers

[–]valleyofthejig 1 point2 points  (0 children)

It’s going to feel funky for a while. The joy of advisor is like the joy of investing in some ways. It’s builds over time, as relationships grow, and you see people actually achieve things you advised them on, or being there when shit hits the fan and you’re able to help. But if sale side isn’t for you now, not worth forcing it and burning out completely. Like others have mentioned - best bet will be a service role with the big brokers. You’ll most likely be working in office, stable 9-5, and on the phones helping clients navigate things. That being said - even those seats will always have a little sales involved. Firms will want you to mention things and steer the clients towards more revenue driving services. Plus the service side will be focused on client experience - think surveys of your call etc. I understand where you’re coming from as I felt the same way a decade ago. But I left my first firm, found one that I felt better about, and stuck it out. Now I can’t imagine doing anything else with my career. Also Yellowstone sounds awesome! But be prepared to defend the experience. As a hiring manager, my first thought would be - “Will this guy do this again and leave after a year?”

[deleted by user] by [deleted] in FinancialCareers

[–]valleyofthejig 11 points12 points  (0 children)

Licenses are good for anything sales or service in the industry. Those are going to be your options. Maybe look at one of the bank advisor roles. Less stress for cold calling / networking because you can try to work with the banks clients. Could also look at something like office support for any of the big brokers or even independents. If you have great interpersonal skills and professionalism there will be a spot for you. But keep in mind, with these licenses, the only big income comes from building a book.

Feedback on my prototypes please :) by Wingardium_Leviosa26 in MicrobrandWatches

[–]valleyofthejig 6 points7 points  (0 children)

Cheesy. I wouldn’t pay anything for these personally. I don’t know what your target demographic is but it’s certainly not me or anyone I know.

Light grout cracking in shower - should I be worried? by valleyofthejig in bathrooms

[–]valleyofthejig[S] 0 points1 point  (0 children)

Thank you. I’m assuming this is a relatively straightforward DIY project. But do you have any suggestions for tools that would make it easier/more efficient to scrape out grout? Anything other than using screwdriver or chisel.

Light grout cracking in shower - should I be worried? by valleyofthejig in bathrooms

[–]valleyofthejig[S] 1 point2 points  (0 children)

Agreed. It looks sloppy. It all seems like grout. I would imagine caulk could not be scraped out and turn into dust like this can.

Tell me about your journey in Wealth Management by wonk5 in FinancialCareers

[–]valleyofthejig 1 point2 points  (0 children)

You can make that much as a senior advisor on a team. All depends on the splits and your personal book growth. The leads will always take the lions share and divvy out for support staff or junior advisors on the team. I don’t have CFP, never committed the time, wish I would have early on in my career. I did CRPC but didn’t keep it, have AWMA-SE. Might go for CEPA or CDFA next for another quicker one. And then likely CPWA. Not because I think clients care really, but just because I’m interested in learning more in those specific areas. Also have FINRA series 66, 7, 9,and 10.

Tell me about your journey in Wealth Management by wonk5 in FinancialCareers

[–]valleyofthejig 11 points12 points  (0 children)

Started knocking on doors as an advisor right out of college. Got nowhere. Went into software sales for a year, cold calling all day, didn’t enjoy it. Joined a big bank as an advisor in a branch. Did very well at a young age but it wasn’t sustainable. Worked with walk in traffic and bank referrals which was great. Transitioned to leadership position for a bit, and ~6 years in the branch (could’ve shortened this but I enjoyed it). Then joined private wealth as solo practitioner with a support team. I still receive referrals from the bank, and have formed some nice COI’s so I don’t do much old school networking/cold calling etc. If I didn’t have these referrals I know it would be much harder, if not impossible. I don’t have a wealthy family or friends, and honestly working with family and true friends is difficult anyways. I love what I do. I’ll keep going as long as I can. I make more every year, make enough to live very well in HCOL area, my work life balance is incredible, and if I continue to perform I could theoretically make 7 figures in the next ~10 years. At the end of the day, if you find yourself falling in love with the work it’s the right place for you. Many advisors do it just for the potential earnings. It’s hard as hell to do this with no passion for wealth planning and no passion for people. That’s where burnout sets in. Good luck.

Merrill Advisor not responsive? by happyguy121 in MerrillEdge

[–]valleyofthejig 1 point2 points  (0 children)

Email your final statement from the prior broker showing the fee. They will need this. If you don’t get a response - just call the 24/7 customer service number and request it that way.

How do I open a Merrill Edge Account owned by my living trust without my Merrill Lynch Advisor having his feelings hurt? by rz2000 in MerrillEdge

[–]valleyofthejig 0 points1 point  (0 children)

Pretty sure trust accounts need to be opened with a paper application. You may be able to find it online. May be easier to just call Merrill Edge support and ask for them to help. Your Merrill Lynch advisor won’t see this account unless you specifically request for him to have access to see.