leh-nerd skin-erd

I’m pretty sure I threw the censors off with the asterisk the first time but you’re treading on thin ice. Don’t go to the well too often!

You have more faith in the DOL than I ever will. I have no issue with annual advisory fees (beyond not quite wanting to pay them), but as you pointed out—an upfront sales charge (or contingent deferred) may be a less expensive option for certain folks and keep them where they need to be. Breakpoints, household of etc all plays into that complicated process. My point is just because a fee is charged, a product sold or a transaction takes place doesn’t mean someone is trying to shake you down...as the bureaucrats like to imply. You making 1% of 2m isn’t a problem though site a fair amount of money, so long as the client values the service. As they say, cost is only an issue in the absence of value. I wouldn’t trust Dave Ramsey as far as I could throw him, but fundamentally recognize his system works if employed and human nature does not work against it. As a lead source, I’ll bet he’s great. He sends disciples. And, as I said, he’s a great salesman and I mean no disrespect in that regard.

I agree wholeheartedly. Interestingly, I’ll hear someone speaking about a Dave Ramsey, for example, and align with his demonization of sales people. Frankly, I don’t care one way or the other if people like him or not, but the irony is he’s one of the great salesmen of our time. He sells books with the plan, then updated books with the updated plan, total money makeovers that get updated with new money makeovers, trusted pros, memberships...survival guides all of course wrapped in The Glory of Jesus The Christ. Brilliant. The DOL ruling was a power grab, again positioning how everyone is trying to F you but the government. The last thing they want is empowered people speaking harshly about over-reliance on SS. Can’t recall the context, but one our local politicians sent a form letter designed to educate constituents about the tyranny of fees and used an example of hypothetical returns with a conclusion that would get a CFP drummed from the Corp. To boot, it could have been written in crayon, read like an elementary school student wrote it. I agree with you on the need to teach this stuff in schools, but again, education is good...too much real-life education is empowering, and that’s not all good for the system.

Part of the challenge is people are conditioned to be distrustful of people like you, and it strikes especially hard with the “Biden can save us” mindset crowd. Personally, I think the notion of a “coach” in the financial services sector makes a lot of sense. However, seems to me the messaging delivered from govt is always tilted toward “someone is always trying to f ya”, and again, people looking to be saved are easily convinced it’s true. I partnered with a professional coach about ten years ago and had exceptional results. Of course i discontinued after about a year because, well, duh. Interesting you take issue with the poll question. 7 of 17 respondents ran righty into the loving arms of Mother Gov. not sure there was a toll when they got there— but seems the format was spot on.

Where though, Chef, where does one go to become independently wealthy when there is absolutely no evidence that living within ones means, working hard, saving money before spending it, understanding the time value of money and the history of returns in the equities market (or other options should one prefer) ever paid off for anyone? Plus it sounds hard, and that new iPhone comes out soon.

What was the most recent shortcoming you came to grip with? Was it the speaking in the third person plural to identify yourself as 'likable people'? Mine was recognizing that I selfishly took a potshot at you in an attempt at humor. On the one hand it makes me kind of a d*ck, but on the other self-reflective and reveal my growth as a human. You're likable, I'm self-reflective. Everyone wins.

That's more of a DMV thing I think.

Nor does the text of the complaint necessarily have anything to do with facts, reality or anything approaching it. Often it’s all about who can tell the best story.

Oh yah Gov, it’s race. The smokescreen came when people voted Barrack Obama into the Oval Office, leader of the free world, role model to millions of young men, women and children and a symbol of the growth and evolution of the American experience. It was all a set up. Hide in Plain Sight. Criss/Cross Applesauce. A Puppet regime. Manchurian Candidate. All a set up for the TRUE leader of men and molester of women— the 95 year old Joe Biden. 🤣🤣🤣

Joe Biden is nearly 80, Many of the people who voted for him have patents and grandparents who recognized the challenges of Biden For Prez, laughed at him and rejected him for president when he ran. He was a well known buffoon—confrontational, thin skinned, a gaffe machine, prone to making racist comments, but likable enough with his Scranton tough guy shtick to stay around. Those parents and grandparents were imperfect, they bought into the legislation that disproportionately targeted black Americans, the racist tendencies of a Biden could be laughed off with a wink and a nod, but those were the days when rushing to file for bankruptcy because you were undisciplined with a credit card came with a healthy amount of shame, when most folks didn’t believe you could buy a $30 an hour on a $15 an hour paycheck, and if you were lucky enough to go to colleges do secured loans to do so, you weren’t looking for someone else to save you from your excess. The problem is many of those people are no longer with us, and their kids and grandkids are often dumb as crap. They long ago surrendered (or never had) the work ethic the country was built on, prefer easy money and are absolutely comfortable playing the victim and having their bills and financial obligations outsourced to those smart enough to figure out how to pay their bills on their own. If your problem with Hannity is that he’s repetitive, misleading and says thing that aren’t true, following the Biden model, Hannity will thrive until at least age 80.

Seriously, I don’t have any concept as to what it means to “stand up” to an internet poster. It’s not tangible, it’s not a thing, it’s a mirage and some back story you’ve created for some reason you yourself may not even know. When I first dipped my toe in PPP posting, one poster in particular took issue with something I wrote. He had a definite style to his prose, seemed wound right to me, and I really thought he was joking. I replied with something dumb. He then told me that when some of the others were around, I was going to be in a “Lulz storm” (I think that was it) and it was like I was being threatened by the internet version of Paulie Walnuts. He seems quite sincere but nothing ever came of it, mostly because what could come of it? Harsh words? DR no longer posts here, this is true as far as I know, and I don’t speak for him, but I’d think he probably hasn’t thought of you in the months since he left. Good dude, das Rhino. Put the yearbook away man. Too much anger and pissing on stuff makes for a long, tiring and smelly day for us all. For old times sake: #FREETHERHINO

Everyone is shaped by their experiences and aided/hurt by their ability to see the other side of an argument. The internet game smothers intelligent discourse in many cases, and we make judgements accordingly. For example, in Billzys comments above, his stated goal is 'to piss all over their sugar coated Trump stories...' while maintaining a somewhat unhealthy (my opinion) obsession with @Deranged Rhino--a guy I personally find quite engaging. So, Billzy thinks he's crazy, I think he's engaging, it's a push. Be that as it may, it's impossible for me to drudge up the energy to ever want to squeeze out some lemon juice on someone else plate of Keeblers. Mostly I'm just here for the chicks I guess.

There’s hope for you yet. Precious little but we all have room to grow.

Now this Buck NeQQid thing has gone to your head. Plowing?! One last question— had Reginald Denny had the option to flee but in doing so would have maimed, injured or killed one of his attackers...as a member of the jury, would you have voted to send him to jail?

You’re on to gibberish now. The only person fixated on race in this conversation is you, Buck. I asked you for evidence, you provided conspiratorial opinions and zero.zero-zero evidence of any kind. I asked, I waited, I was patient and to be candid, I was pretty sure you were full of shyt because if you had something, you would not have to post someone else’s opinion to prove your point. Why not just send the language you feel is so obvious? (I’ll answer here because you won’t find someone else’s opinion to post as your own—you can’t provide the language or evidence because there is none). Ironically your spin here is Q-worthy. You’re now Buck NeQQid.

And you’re just like George Costanzo’s porn alter ego on Seinfeld, Buck Nekkid. Long on flourish, short on important details.

You’ve stitched together quite a patchwork of random musings and supposition here, but ultimately you just have an ugly sweater that doesn’t fit. Yes, I would assume that the riots, chop zones, death and destruction precipitated changes to the law. We’ll gloss over the fact that many, many involved in the riots were white if it makes you feel better, but you’ve provided none of the the racially suggestive language you seem to imply is obvious. Still, your angle seems to be you have to die to be lawfully able to protect yourself while fleeing, and that’s a non-starter for me. Leh-nerd Snopes rates your claim “FALSE”.

You’re flapping your yap, but providing no text, wording or even legal analysis to support your position. I understand it’s fun to just toss crap against the wall, but I beseech you: Help me understand what you see. I know, but I’m back and forth having some hardwood floors refinished so I’m bored, or “board” as those folks say!

You’re getting turned around here, like a blindfolded monkey in a barrel. Are you back to the redundant law issue? We already agreed that can be a real kick in the nuts. Why don’t we do this, you tell me specifically the white supremacy clause and language that’s got the burr under your saddle. That should be very easy to do as it’s your argument. I provided links as requested, how about you help us both out. As to your follow up question on angry mobs and such, I appreciate your perspective that one should not defend oneself until seriously injured or dead. It is true that Reginald Denny survive the assault with only serious injuries. You’re free to proceed accordingly and I hold no malice towards you and your sacrifice. I’d simply choose to carve a different path.

Well, certainly an argument can be made that there are entitled rich people in the world, and that intergenerational wealth can contribute to that. I did a term paper on the subject in college and sought to interview some of the poor Kennedy heirs— I couldn’t find any and I failed.

The default go-to you use religiously reveals an extraordinary obsession with how your words might impact others. If it bucks up your inner self to think ya really got to me and @Buffalo Timmy, I’m happy to help you out. Who knows, maybe it keeps you from beating the dog. You posted something dopey, I responded, you veered off on a tangent and tried to recover a semblance of dignity by flipping back to the white supremacy of your dopey Twitter link. With respect to your request for sourcing, here are a couple that come to mind: Apologies as the vehicle weighed a bit more than the 35hunge threshold you arbitrarily applied. https://abc7ny.com/bikers-attack-car-bmw-attacked-flatiron-nyc-crime/9204831/ No idea on GVWR on vehicle. https://www.khq.com/top_video/video-angry-mob-surrounds-father-and-children-driving-in-spokane-valley/video_9062b55a-5e8a-11ea-a20a-8fa76b16f531.html Not sure if this car was air conditioned. Maybe if the internal cabin temp was more comfortable the folks surrounding the vehicle might have been more at ease? https://www.thespec.com/news/world/2016/10/03/video-angry-mob-attacks-patrol-car-with-cop-still-inside.html Cops likely don’t qualify as people in your scenario, but vehicle is in target zone weight wise. https://legalinsurrection.com/2020/12/video-teen-mob-attacks-vehicle-in-broad-daylight-in-midtown-manhattan/ Attack by perps riding Huffy Davidson’s.

Oh, if your only point was that lawmakers often promote multiple bills and laws, with multiple redundancies and busy work to appear as if they are taking action, or often take existing legislation and attempt to improve it or change it for the greater good, we agree on that. It’s just weird that you went all crazy linky to White Supremacy and fostering terrorism in your prior post though. I didn’t understand that you were mocking the guy with the tweet.

You get one life, and it can be complicated to make it through at times. If a group of peaceful demonstrators blocked my safe passage to the local Walmart or a dinner with friends, I’d turn around and find an alternate route. If all routes to my destination were blocked, I’d move on. I’d think someone who targets a peaceful demonstration with an intent to injure, maim and kill would suffer the consequences of their actions, then again some people view a video of a police officer saving the life of a person being assaulted with a knife and think the police officer is the perpetrator of the crime and the assailant the tragic hero. Personally, I feel no obligation to any group of people surrounding my car, banging on the hood and threatening me. My obligation in that case is to me and those in my car. I have no way of knowing what the mob intends, what weapons they might possess, or what their intent would be. To be completely honest, those situations look an awful lot like a scene from The Walking Dead. I’d hate to be in that position, but then again, it would not be of my making to begin with. At that point, all civilized and rational bets are off. I believe you would feel the same and expect the law to protect you accordingly.

The desire to build and sustain intergenerational wealth has been part of the American dream since the country was founded. Painting the desire for a legacy to pass on the fruits of ones life as some sort of lottery win seems unreasonable to me, and suggesting that it promotes laziness is painting it with an exceptionally broad brush.