Is this where I can sing the praises of Lume for teenage boy funk? We tried everything and Lume was the only thing that worked, but he will sometimes add anti perspirant if going to the gym. One his friends mom's texted and asked what he used because he does not smell.
I think we're ok on the showers, but it was touchy for a bit. Thankfully the questionable time was during remote school.
The deodorant or like the lotion stuff?
Hmm I also see they have body wash. Or all of the above?
so I shower daily but I was curious about Lume so I bought a starter kit. Stick deodorant, cream deodorant, body wash, and wipes. Idk that the body wash is that effective but the stick deodorant is.
I live in Texas where it's oppressively hot and I start to the sweat the moment I step outside. It really does prevent body odor.
But I'm confused about you emailing his personal email. How did that happen?
I've had this happen because initial communication is through personal email. When they start the job with the org your email still autofills with the old address. I didn't notice and sent the work email.
Post by letsgetweird on Jul 11, 2023 13:07:28 GMT -5
Can you have it looked at it to see if it needs a new transmission? Do you need al 4 brakes? $1k seems like alot
I have a 2021 CX-5 and I average about 20 mpg. How many miles do you drive per month? I've never leased a car before but I've heard you should not put any money down on a lease.
If someone is getting paid a percentage of the investments they manage, is that not an incentive to manage the investments?
I guess I just don't follow the logic behind the big push for fee only advisors but like I said I work in this business. It's tough for consumers because there are alot of shady financial advisors. I suggest being very cautious with advisors that primarily sell life insurance and annuity products (not saying these are bad products, generally speaking)
I mentioned above, but I don't mind a percentage as the fee. ITA that that's skin in the game, and if you're adding significantly more than 1% of value, then I have no problem giving a cut for your work, BUT-- 1) My person now is a 1% fee, but through him we have a black rock managed account where they do all of the fund management for optimizing tax burden etc (and I am over my head any further to be honest). And Black Rock takes a fee for that daily management, which makes sense because they are doing transactional work. Buuuuut what am I actually paying my Person for...? Because I feel like beyond connecting us with Black Rock a couple of years ago, all he has done is annoy me (see #2). What SHOULD I expect from a planner that doesn't manage funds, that justifies the expense?
2) He pushes hard and repeatedly for things I have already said I do not want (whole life being the primary). He has suggested certain annuities as well, and again I feel like every time I spend a bunch of time reading the docs, I end up feeling like they are shady or not something I want to pursue and he either isn't listening to me when I explain the things I don't want and why, or he's suggesting things that are similar to previously rejected things and I can't help feeling like he's just hoping I won't notice. All of this to say -- how do I find someone who isn't going to make me feel like I'm armoring up to deal with a used car salesman every time we talk? Is sticking with someone at Fidelity etc intrinsically better because they don't sell that kind of thing...?
1. Many people are perfectly fine with JUST investment management so it's really depends on the person and their wants/needs
2. What firm does he work for? What annuity products is he pitching you? Most likely he gets big commissions on those products. Like I mentioned earlier, I'm very skeptical of advisors that primarily sell life insurance and annuities. Nothing wrong with annuities, they can make sense for many people if solving for a certain need/problem. Many advisors sell indexed annuities that are very complicated and always sound too good to be true. I'd be curious if that's what he's trying to sell you. Even FINRA (regulatory agency) has released a warning to investors about indexed annuities.
The main reason clients leave their financial advisor is because they don't feel understood. I suggest sticking with Fidelity/Vanguard/Schwab. These companies have good reputations and generally have very solid products.
If someone is getting paid a percentage of the investments they manage, is that not an incentive to manage the investments?
I guess I just don't follow the logic behind the big push for fee only advisors but like I said I work in this business. It's tough for consumers because there are alot of shady financial advisors. I suggest being very cautious with advisors that primarily sell life insurance and annuity products (not saying these are bad products, generally speaking)
From what I remember when I was researching it's because you'll end up spending significantly more paying a percentage then a flat fee. And also that they just push investments within their own company vs all possible investments or savings ideas. I also think statistically the best thing is to buy and just leave it so there's not a ton to manage? I may be misremembering this, I do know my planner did some sort of selling for taxes.
I also like that my financial planner isn't just tied into investments because I feel free to ask him any money question that passes through my head. Like I ask what kind of budget when buying a car, pros/cons of selling or renting our house out, how to divvy up a bonus... And he runs the numbers and looks at taxes or other things that affect those and tells me what to do. If he was just managing an investment portfolio I wouldn't feel like I could ask him all of that since that's not within their scope?
I think depending on the advisor, you can pay significantly more with fee only advisors because many of them also charge a percentage for assets under management.
If you're working with a good advisor, they should be able to work with you on the investment management AND your financial planning questions.
Keep in mind that advisor's at large companies (Vanguard, Fidelity, Schwab) and probably many fee only advisors are not the ones doing the actual investment management. They may have an in house team that does the day to day investment management. It's alot for an advisor to be meeting with clients AND manage your portfolio...depending on how big their book of business is and how many client appointments they have per day.
A fiduciary works ONLY in your best interest. They receive no incentives or kickbacks from selling anything. They are usually fee only or may take a percentage of your investments they manage. A CFF is the pinnacle of being a fiduciary, sort of like a CPA is to accountant. www.finra.org/investors/professional-designations/cff
If someone is getting paid a percentage of the investments they manage, is that not an incentive to manage the investments?
I guess I just don't follow the logic behind the big push for fee only advisors but like I said I work in this business. It's tough for consumers because there are alot of shady financial advisors. I suggest being very cautious with advisors that primarily sell life insurance and annuity products (not saying these are bad products, generally speaking)
Post by letsgetweird on Apr 11, 2023 21:50:09 GMT -5
I work in this business so I'll give you my opinion. I know all of the internet says to go with a fee only advisors, but there can be downsides to that too.
I recommend going with an advisor that works for a respected company like Charles Schwab, Fidelity, or Vanguard. They are not fee only advisors. They are a fiduciary.
Also, what is your ultimate goal? Are you looking for someone to manage your investments for you? Or just looking for advice?
Post by letsgetweird on Mar 7, 2023 17:47:21 GMT -5
I'm sorry you're having to deal with this.
You mentioned your aunt's retirement. Is it an IRA or a 401k? If so, are you and your sister named as beneficiaries on these accounts? Typically if you're the beneficiary, the payout can happen fairly quickly once you have a death certificate.
I lighten my brown hair and do a mix of balayage and some weaving highlights with foil. I use all wella products from sallys. I use their lightening powder, level 20 and 30 developer, and toner with a level 10 developer. I've been doing this for a few years now since COVID and haven't had any disasters. I do have very thick hair which I think helps because it doesn't fry easily. I can explain my whole process if your interested.
To get started I'd google what you want to do and watch a few YouTube videos. You can figure out what supplies you'll need and see if it looks like something you could handle.
Please explain the process!
I'm considering lightening my dirty blonde hair on my own
I think it is also important to note that mental disorders can cause suicidal and homicidal ideation (and the respective acts) without psychosis. I don't know what the story was here. Maybe she had psychosis maybe she knew what she was doing is wrong and did it anyway. I doubt we will ever get a real story on that.
I do think the outpouring of support has been interesting. We see men kill their families and we don't get this kind of support even though a fair percentage of those likely suffer from mental illness. I am thinking back to Matthew Coleman the guy who killed his kids after he feared they would grow into monsters after inheriting reptile DNA from their mom and he needed to save the world. Clearly this man (if we are to believe this story) was suffering from a mental break. We don't hear the same sympathy for him (note I am not saying he deserves sympathy, just that mental illness was clearly at play when he killed his children).
I think we find it initially more shocking when a woman kills her babies than we do a man so we assume something went horribly wrong for it to happen and provide her with the benefit of the doubt (at least when she is white and "normal")
very good point. As a society, we find it more shocking when a woman kills especially a mother.
I'm not sure if this was mentioned earlier in the thread but she is paralyzed from the waist down. They did not say if they believe this is temporary or permanent paralysis.
This was caused by her fall. I'm not sure what this has to do with her mental state at the time she killed her children or attempted to kill herself.
it has everything to do with it because she harmed herself and caused this injury in her suicide attempt.
Post by letsgetweird on Feb 8, 2023 12:15:42 GMT -5
I'm not sure if this was mentioned earlier in the thread but she is paralyzed from the waist down. They did not say if they believe this is temporary or permanent paralysis.
It doesn't seem like a rush to judgement when it was reported early on that she was receiving extensive psychiatric care. Within the month before the incident she was inpatient and in intensive outpatient care, and prescribed numerous psychotropic medications.
Something was clearly going on. Maybe a rush to actual diagnosis, but not baseless given the age of her children.
We likely won't know actual answers for quite some time.
She clearly was mentally unwell but I'm not sure the situation 100% means she was in psychosis? I just don't want to assume and I will withhold judgment until more facts come out.
I think people are struggling to deal with the facts because the DA presented it as a premeditated killing. She googled how long it would take her husband to get to the restaurant and also called a pharmacy about a medicine for her kids (which her husband picked up). Personally I don't find this to be a smoking gun at all and there are innocent reasons why she could have made those google searches. They also alleged that when she woke up, the first thing she said was "do I need an attorney?"
I think she has gotten a lot of support as a white, college educated woman who seemingly had her shit together. We don't see the same support for someone like Erin Merdy, a black woman who also killed her 3 children recently. Her youngest was 3 months.
The prosecution said she spoke to her husband yesterday and told him she had psychosis and she was hearing voices. Her husband stated she had never heard voices before. The defense did not mention psychosis, I don't believe.
Ok I read a few articles but of course didn't see everything. If she had a psychosis I guess I thought that would have been dx and stated for the case. Perhaps too early/testing still ongoing.
I think the public had rushed to judgment and assumed she had PPP. I'm not saying she didn't but it does not seem she had a diagnosis. As the previous poster said, her doctor said she had no signs of PPD. I'm not sure what her actually diagnosis was, Lindsay wrote in her journal that she had a "touch" of PPA. She also was in a psychiatric hospital from Jan 1-5.
The prosecution is certainly trying to painting her out to be a cold blooded killer.
Was psychosis mentioned today by prosecution or defense?
The prosecution said she spoke to her husband yesterday and told him she had psychosis and she was hearing voices. Her husband stated she had never heard voices before. The defense did not mention psychosis, I don't believe.
Post by letsgetweird on Dec 20, 2022 11:50:07 GMT -5
I agree that you should cancel the procedure and reschedule.
Not sure if this helps at all but I had a colonscopy/endoscopy done several years ago. I heard the prep was awful but I really didn't think it was that bad. Mixing it with a drink helped get it down.
Does your doctor have a patient portal? I would send the doctor a message and let them know your concerns, if you feel comfortable. They may have some suggestions.
Post by letsgetweird on Dec 17, 2022 10:23:15 GMT -5
I didn't really take her comments to mean she left him. I thought she was just saying that she's basically not married to him because Kody doesn't want a romantic relationship with her but she just sticks around hoping something will change.