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Number of Posts:193
Registered on:9/14/2009
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re: How can you protect your car's paint after the clear coat fails? Anything to worry about? - ram03reg
[quote]It is my 100,000 mile commuter car that I drive from the suburbs into work each day. It has a lot of life left in it, but I'm not too concerned if the exterior looks bad.[/quote] So, you rely on this car for your daily commute, but you do not care enough to wash it more than "maybe" one ti...
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re: Is anyone here a CFP? - ram03reg
[quote]I'm an employee in an established independent RIA practice with a clientele of 90% retirees and I'd be the only one with the credential. I'm wondering if it would be a good leverage for more money or to leave for greener pastures.[/quote] Not one CFP in the entire practice? You should def...
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re: Is anyone here a CFP? - ram03reg
What type of "practice" are you starting? Do you plan to do actual "Financial Planning" for clients or just investments? Will you be working with other CFPs? Will you be starting an Independent firm from the ground up? Working for a large bank or wire house with an established client base? ...
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re: Grand isle reports - ram03reg
Fished Grand Isle Saturday 6/10/17. 3 man limit of Reds, picked up about 8 trout, lots of throw backs. We were mainly targeting Reds, but would stop for birds or a nice looking point to find trout. Reds were caught on live Cocahoe Minnows under cork...a couple on Spinner Baits. Most of the reds ...
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re: Grand isle reports - ram03reg
I am going Thursday - Sunday as well. Weather looks nasty for fishing but going to give it a try anyway. I will be hitting the marsh to the west of the Island towards Leeville and Chenier. Hope to find some protection from the wind. If that fails, I'll be enjoying the breeze under the camp. ...
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re: On board charger recommendation - ram03reg
Check out Dual Pro and NOCO Genius. Dual Pro has good customer service and their chargers are well built, I have had two. NOCO chargers are compact and can be mounted easily. I have heard good things about NOCO. My Brother put one in his boat about a year ago, he is happy so far. ...
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re: Life insurance questions - ram03reg
[quote]Northwestern Mutual 20 year term $1,000,000 Convertible to whole life with no medical if done within 10 years. Looking about $40-50/month if you're healthy[/quote] Meh..Only convertible within the first 10yrs. You can find a policy for the same price that is convertible throughout entire ...
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re: Life insurance questions - ram03reg
If you go with a longer term (20-30yrs), make sure that it is convertible throughout the length of the term...even better would be convertible throughout the term and to all policies. Most policies will be convertible but only during the first 10 or 15 yrs and to only one policy. Sounds like you ...
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re: 401k meeting today. Right way to ask about high fees?? - ram03reg
[quote]What is the right way to ask about these fees without making the guy who negotiates our plan look like he sucks at his job? [/quote] Simply ask them to explain how the plan is structured. Explain that you feel that the expenses within the fund line up are high and would like to better unde...
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re: 401k meeting today. Right way to ask about high fees?? - ram03reg
Have you looked at the actual fees of the 401(k) or just judging based on the mutual fund fees? Yes, there are other fees besides mutual fund expense ratios to consider Different share classes pay different fees to the plan administrator or even back to the participants and are used to offset ...
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re: Shimano Stradic FK 3000 or 4000??? - ram03reg
[quote]Ive never had an issue with snapping any rod but it does happen. Putting your off hand further up the rod while swinging fish in is a surefire way to snap a rod. Also any knicks along the blanks will create weak points - A good example is tossing them in the back of the truck with all your ot...
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re: Shimano Stradic FK 3000 or 4000??? - ram03reg
[quote]7" falcon coastal[/quote] Snapped a new Falcon Coastal right in half when I lifted a smaller slot Red into the boat...I do not waste my time with a net unless it is a nice size red. I sling the reds in the boat all day with my Castaway Rods. I really liked the Falcon but doesn't do m...
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re: Update WBRZ Story -- Stolen Trailer - Denham Springs - HELP - REWARD - ram03reg
[quote]Your entire life is in a trailer, and you don't think to put a lock on it?[/quote] Directly from the Facebook Link in OP..."It had locks on it that they had to have cut off."...
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re: Update WBRZ Story -- Stolen Trailer - Denham Springs - HELP - REWARD - ram03reg
Updated original post to include WBRZ Ch 2 On Your Side Story......
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re: Update WBRZ Story -- Stolen Trailer - Denham Springs - HELP - REWARD - ram03reg
If they send any additional pictures I will be sure to update this thread. Thanks ...
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Update WBRZ Story -- Stolen Trailer - Denham Springs - HELP - REWARD - ram03reg
This trailer was stolen from a home in Denham Springs over the weekend. Like many, the home was destroyed. The trailer contained the only dry sentimental items the family could salvage. Including the only home videos of their Son who passed, his motorcycle helmet and their wedding videos. They l...
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re: Trade in vs private sale - ram03reg
[quote]This is an option but what a POS hassle move for me to do to my buyer. I would not step foot in a dealership if I was buying a used vehicle from someone. To get all that lined up as well, everything has to fall in place just right. Better have my new vehicle agreed upon and have a buyer for m...
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re: Trade in vs private sale - ram03reg
Do the private sale...ask the dealer to do a "courtesy trade". You get the price of the private sale with the tax savings of the trade in. Thank me later. ...
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re: Term Life Insurance - What Would You Do? - ram03reg
Find a 30yr term policy that is convertible throughout the entire term. If you convert, you can choose to only convert $500k of the $1M if you want. The conversion will be based on your current age and original health class rating (no medical required). Some companies will only convert during t...
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re: Got pulled over and told the cop I had a pistol... - ram03reg
[quote]Every single story I have read about immediately informing the officer that you are armed ends up with a warning only and no ticket.[/quote] I have informed the officer I had a weapon in the truck every time I have been pulled over. They are always okay with it but hand me over a ticket a...
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