Financial advisor salary
robtetrault
2021.11.09 18:01 pleasedGarlic34763 robtetrault
2013.02.26 20:23 paretosystems Tips, Coaching, and Advice for Financial Advisors
This Reddit provides coaching, advice and tips for financial advisors, financial planners, or anyone in the financial services industry.
2021.09.12 08:15 Kj3d_ FailedProject
Totally not a financial advisors club...
2023.03.20 22:30 Simple_Tank_3684 About to finish uni, last ever summer of "freedom", what would you do?
Hey, very long post so sorry about that.
I'm in my final few weeks at a Russel group university. Minus a few essays I'm effectively done. I've worked a lot throughout my degree so I'm in a decent place. Got about 12.5k saved in total, realistically will get a 1st in business and management and have a job for a graduate scheme at a big 4 which starts in September. I did a placement year with them last year so know what it's like/ what to expect too.
Throughout my degree I've been working at the careers office at my uni, and they've given me 30 hours a week until mid July when I formally graduate. I can work remotely, so those 30 hours are without a commute, and roughly equate into a 20ish-k salary, and I'll do the hours over 4 days a week and the work is pretty chilled and I have a really great team. It'll be 7.5 hours a day, so I can be done by 4pm on those 4 days, so very little stress.
I have worked really hard, but I am also very fortunate to be in the position that I am in. I am now basically struggling with what to do with my "FIRE" mind versus my "I am 23 and want to live a bit mind". I am very happy doing the 30 hours over 4 days, but originally was planning on also getting a coffee shop job for an 3 extra days work a week to earn more cash. I was then hoping that this could be full time from mid July until the big 4, as I currently have a 6 week gap. However, I have an odd gut feeling not to do this. I may just be being lazy? But a part of me thinks that this is realistically the last big chunk of free time I'll have for a very long time and I'm wondering if I should just enjoy the time off and work on some other things? I also need to move to Edinburgh in those 6 weeks from London, so could enjoy the Fringe if I get there a bit early.
I wanted to go to New York with a friend for a week over the summer (probably £2k), I wanted to buy myself the massive iPad as a well done present for myself for being the first in my family to get a 1st/finishing my degree (£1100) and I also wanted to put £1000 into a bunch of new clothes/health related things. In the last month I've started going to the gym 6 days a week and eating really healthy; this costs more too but I feel so much better. I'm 6 foot 2 so tend to eat a lot which is pricey sadly. With my grad job I'll get a £7k interest free loan too, so "including" this I'll have about £20k in total saved by Christmas (or 13k without and will be 24 then) and this assumes that I make those above purchases. If I don't it'll be £5k more. I also wanted to spend some time learning more German (already speak a good amount) as well as some Spanish too. My mum lives quite centrally in London as well so I can be there which is awesome. I also wanted to learn to video edit and a few other things, maybe a bit of personal training to make sure I don't break my back in the gym too.
I was thinking about trying to do a secondment to New York in 3-4 years time and would love to check it out again to make sure I'd be making a good decision going there. I went in December but stayed at a friend's house so it was only £1k in total, but this time I'll be in a hotel so reckon it'll be about £2k (for my share as I'll split with my friend).
I am basically wondering if I've gone insane? I'm extremely FIRE/money minded normally and feel almost ridiculous planning all of that.. and yet I feel like at the end of the day it might not make a big difference anyway? I'll hopefully be a chartered accountant in 2-3 years on £40-50k anyway with a fairly high earning potential. Am I being stupid considering this? What would you do? And I'm not meaning for any of this to come off as arrogant and I hope it isn't. I'm extremely grateful to be where I am. But if I work 6 to 7 days a week and don't buy those things I'll end up with an extra 10k or so by Christmas, but for some reason I just really cannot be bothered to have yet another boss/back in a coffee shop (which I've done a huge amount of in the past) and think it might be best to just try and have an awesome summer before a pretty intense grad scheme. What would you do? Sorry for the huge post but this is going over and over in my mind and I'm struggling to make a decision.
TLDR: should I be financially stupid yet life my life? 23m
submitted by Simple_Tank_3684 to FIREUK [link] [comments]
I'm in my final few weeks at a Russel group university. Minus a few essays I'm effectively done. I've worked a lot throughout my degree so I'm in a decent place. Got about 12.5k saved in total, realistically will get a 1st in business and management and have a job for a graduate scheme at a big 4 which starts in September. I did a placement year with them last year so know what it's like/ what to expect too.
Throughout my degree I've been working at the careers office at my uni, and they've given me 30 hours a week until mid July when I formally graduate. I can work remotely, so those 30 hours are without a commute, and roughly equate into a 20ish-k salary, and I'll do the hours over 4 days a week and the work is pretty chilled and I have a really great team. It'll be 7.5 hours a day, so I can be done by 4pm on those 4 days, so very little stress.
I have worked really hard, but I am also very fortunate to be in the position that I am in. I am now basically struggling with what to do with my "FIRE" mind versus my "I am 23 and want to live a bit mind". I am very happy doing the 30 hours over 4 days, but originally was planning on also getting a coffee shop job for an 3 extra days work a week to earn more cash. I was then hoping that this could be full time from mid July until the big 4, as I currently have a 6 week gap. However, I have an odd gut feeling not to do this. I may just be being lazy? But a part of me thinks that this is realistically the last big chunk of free time I'll have for a very long time and I'm wondering if I should just enjoy the time off and work on some other things? I also need to move to Edinburgh in those 6 weeks from London, so could enjoy the Fringe if I get there a bit early.
I wanted to go to New York with a friend for a week over the summer (probably £2k), I wanted to buy myself the massive iPad as a well done present for myself for being the first in my family to get a 1st/finishing my degree (£1100) and I also wanted to put £1000 into a bunch of new clothes/health related things. In the last month I've started going to the gym 6 days a week and eating really healthy; this costs more too but I feel so much better. I'm 6 foot 2 so tend to eat a lot which is pricey sadly. With my grad job I'll get a £7k interest free loan too, so "including" this I'll have about £20k in total saved by Christmas (or 13k without and will be 24 then) and this assumes that I make those above purchases. If I don't it'll be £5k more. I also wanted to spend some time learning more German (already speak a good amount) as well as some Spanish too. My mum lives quite centrally in London as well so I can be there which is awesome. I also wanted to learn to video edit and a few other things, maybe a bit of personal training to make sure I don't break my back in the gym too.
I was thinking about trying to do a secondment to New York in 3-4 years time and would love to check it out again to make sure I'd be making a good decision going there. I went in December but stayed at a friend's house so it was only £1k in total, but this time I'll be in a hotel so reckon it'll be about £2k (for my share as I'll split with my friend).
I am basically wondering if I've gone insane? I'm extremely FIRE/money minded normally and feel almost ridiculous planning all of that.. and yet I feel like at the end of the day it might not make a big difference anyway? I'll hopefully be a chartered accountant in 2-3 years on £40-50k anyway with a fairly high earning potential. Am I being stupid considering this? What would you do? And I'm not meaning for any of this to come off as arrogant and I hope it isn't. I'm extremely grateful to be where I am. But if I work 6 to 7 days a week and don't buy those things I'll end up with an extra 10k or so by Christmas, but for some reason I just really cannot be bothered to have yet another boss/back in a coffee shop (which I've done a huge amount of in the past) and think it might be best to just try and have an awesome summer before a pretty intense grad scheme. What would you do? Sorry for the huge post but this is going over and over in my mind and I'm struggling to make a decision.
TLDR: should I be financially stupid yet life my life? 23m
2023.03.20 22:09 AdmiralAllison Got Ds on all my midterms. Should I switch majors?
I’m currently a sophomore/junior and I didn’t really pass my midterms. The highest one I scored as a 67 in materials science. Physics and my calc 2 got 65s. Thinking maybe I’m not cut out for this. The classes only get more in depth from here on out in a BSME. Maybe being an financial advisor would be more suited for me. I hopefully could handle that work load.
submitted by AdmiralAllison to EngineeringStudents [link] [comments]
2023.03.20 21:35 ImpeccablyBadTiming Chicken & the Egg problem re: cash out refinance. How to navigate?
TL:DR is the lockdowns were financially devastating for my home. We went into them with a really solid balance sheet and came out of it with our credit cards maxed out and very little savings remaining. We came close to having to make choices, but ultimately, were able to escape with no missed payments on anything.
My financial situation is this to the bad: I've got $154,000 in credit card debt and another $81,000 in low interest rate personal loans.
My situation is this to the good: I owe $575,000 @ 4.5% on a house worth somewhere between 1.2 and 1.5 million depending if the right buyer comes along - let's say 1.3, so there's plenty of equity there. I wasn't able to refi to the 2% rates because I was unemployed during the lowest rate periods. Finally came out of the pandemic with a new job paying $218,000 per year (in an urban location where that's a significant sum of money - top 5% or so) with another $500,000 per year in "dark money" equity working for a late stage startup that will be IPO'ing in approximately 18 months if the economy turns upwards. I'm also in line to probably jump up into the low 300's in salary in the near future, as the C-level above me is retiring and I'm likely to take their spot.
My immediate problem is this: In spite of the high salary, there's so much credit card debt that, after making the minimum payments, there is only about $800 a month left in free spend (which obviously gets consumed by day to day expenses), which gets compensated for with my wife's relatively modest earnings.
I'm not interested in simply "sustaining" this status quo of being able to pay everything, but not making any headway on it. Did some digging, and I kept seeing suggestions for "cash out refinancing" of the home. The end result is doing this with 250K to wipe out the unsecured debt (and take care of a maintenance issue on the house I know is coming fast down the pipe) would send my monthly mortgage payments from $3000 to a little over 5K. I'm fine with this, can easily absorb that AND build back up a savings and then start overpaying the note with the hopes of refinancing again when rates drop once more.
My more complex problem is this: My FICO scores, in spite of having no derogatory marks, is lower than I need it to be (680-ish) because the utilization % on the credit cards is so completely out of whack (it's something like 87%). If I did this refinance and the only debt was the house, my scores would be in the 760 range. Obviously, I'm interest rate sensitive since they've gotten completely out of control. It seems I'm in a situation where if I do this refinance, I'm going to pay a higher interest rate on that note because of the FICO score, but in so doing it would shoot my scores upwards to where I would qualify for a notably lower rate?
Feels like a chicken and egg or catch 22 situation. How do I navigate this for maximal benefit? I don't want to do a refinance and then right after try to do ANOTHER one with the improved scores - the fees associated with that would be obscene.
submitted by ImpeccablyBadTiming to personalfinance [link] [comments]
My financial situation is this to the bad: I've got $154,000 in credit card debt and another $81,000 in low interest rate personal loans.
My situation is this to the good: I owe $575,000 @ 4.5% on a house worth somewhere between 1.2 and 1.5 million depending if the right buyer comes along - let's say 1.3, so there's plenty of equity there. I wasn't able to refi to the 2% rates because I was unemployed during the lowest rate periods. Finally came out of the pandemic with a new job paying $218,000 per year (in an urban location where that's a significant sum of money - top 5% or so) with another $500,000 per year in "dark money" equity working for a late stage startup that will be IPO'ing in approximately 18 months if the economy turns upwards. I'm also in line to probably jump up into the low 300's in salary in the near future, as the C-level above me is retiring and I'm likely to take their spot.
My immediate problem is this: In spite of the high salary, there's so much credit card debt that, after making the minimum payments, there is only about $800 a month left in free spend (which obviously gets consumed by day to day expenses), which gets compensated for with my wife's relatively modest earnings.
I'm not interested in simply "sustaining" this status quo of being able to pay everything, but not making any headway on it. Did some digging, and I kept seeing suggestions for "cash out refinancing" of the home. The end result is doing this with 250K to wipe out the unsecured debt (and take care of a maintenance issue on the house I know is coming fast down the pipe) would send my monthly mortgage payments from $3000 to a little over 5K. I'm fine with this, can easily absorb that AND build back up a savings and then start overpaying the note with the hopes of refinancing again when rates drop once more.
My more complex problem is this: My FICO scores, in spite of having no derogatory marks, is lower than I need it to be (680-ish) because the utilization % on the credit cards is so completely out of whack (it's something like 87%). If I did this refinance and the only debt was the house, my scores would be in the 760 range. Obviously, I'm interest rate sensitive since they've gotten completely out of control. It seems I'm in a situation where if I do this refinance, I'm going to pay a higher interest rate on that note because of the FICO score, but in so doing it would shoot my scores upwards to where I would qualify for a notably lower rate?
Feels like a chicken and egg or catch 22 situation. How do I navigate this for maximal benefit? I don't want to do a refinance and then right after try to do ANOTHER one with the improved scores - the fees associated with that would be obscene.
2023.03.20 21:02 anime-lover-504 I don't know if this is the right place to post this. but why is this pattern of forbes book cover ?
 | submitted by anime-lover-504 to Buttcoin [link] [comments] |
2023.03.20 21:01 HistoricalAvocado101 Ducks in a row & First Time Buyer Advice
Hi financiers,
I'm looking for some advice on how best to set myself up to be the most financially stable, and, maximise my capital.
I am 26 and recently qualified as a solicitor which has led to a salary increase to £52k.
I am still living at home with my parents to whom I pay £200 p.m board, which I know is more of a token gesture than anything else.
I am looking to move out as I commute for work which takes an hour each way. I work moderate hours and therefore would like to move closer to my workplace.
I have saved £15k in a LISA which I expect to top up by £4k at the turn of the 23/24 tax year to maximise the government bonus.
I don't have any further material outgoings, I have a lease car which is £180 p.m, a sim only phone contract c.£8 p.m and gym membership £40 p.m.
Realistically, given the current climate, how much do you think I should be looking at spending as a first time buyer? I will be a single applicant on my mortgage and have an agreement in principle for c.£233k.
I ought to note that I will be salary scarficing my £2k over the basic rate towards my pension as the firm I work for match contributions up to 7% and I pay a plan 2 student loan and a post-gradute plan, which equal about £600 p.m.
Aside from purchasing a house, salary sacrificing any salary that falls in to the additional rate and using up my ISA annual allowance, what further do you recommend to maximise my capital in the long term?
submitted by HistoricalAvocado101 to UKPersonalFinance [link] [comments]
I'm looking for some advice on how best to set myself up to be the most financially stable, and, maximise my capital.
I am 26 and recently qualified as a solicitor which has led to a salary increase to £52k.
I am still living at home with my parents to whom I pay £200 p.m board, which I know is more of a token gesture than anything else.
I am looking to move out as I commute for work which takes an hour each way. I work moderate hours and therefore would like to move closer to my workplace.
I have saved £15k in a LISA which I expect to top up by £4k at the turn of the 23/24 tax year to maximise the government bonus.
I don't have any further material outgoings, I have a lease car which is £180 p.m, a sim only phone contract c.£8 p.m and gym membership £40 p.m.
Realistically, given the current climate, how much do you think I should be looking at spending as a first time buyer? I will be a single applicant on my mortgage and have an agreement in principle for c.£233k.
I ought to note that I will be salary scarficing my £2k over the basic rate towards my pension as the firm I work for match contributions up to 7% and I pay a plan 2 student loan and a post-gradute plan, which equal about £600 p.m.
Aside from purchasing a house, salary sacrificing any salary that falls in to the additional rate and using up my ISA annual allowance, what further do you recommend to maximise my capital in the long term?
2023.03.20 20:53 marcandreewolf I asked GPT-4 to compile a timeline on when which human tasks (not jobs) have been/will be replaced by AI or robots, plus one sentence reasoning each - it runs from 1959 to 2033. In a second post it lists which tasks it assumes will NOT be replaced by 2050, and why. (Remember it's cut-off 2021.)
GPT-4 reply:
submitted by marcandreewolf to Futurology [link] [comments]
- 1959 - Machine learning: Arthur Samuel developed a self-learning checkers program, demonstrating that AI could learn and improve its performance over time.
- 1961 - Assembly line work: The first industrial robot, Unimate, was used in a General Motors factory to perform repetitive tasks, increasing productivity and safety.
- 1964 - Optical character recognition (OCR): AI software for converting printed text into digital text was developed, making data entry more efficient.
- 1970 - Medical diagnosis assistance: AI programs like MYCIN began aiding doctors in diagnosing bacterial infections, improving accuracy and reducing human errors.
- 1976 - Speech recognition: AI systems like Carnegie Mellon's HARPY system understood spoken language, transcribing speech into text more efficiently.
- 1981 - Robotic vacuum cleaners: The first robotic vacuum cleaner, the "Fugure 2000," demonstrated that AI could perform household cleaning tasks.
- 1997 - Chess playing: IBM's Deep Blue defeated world chess champion Garry Kasparov, showcasing AI's ability to outperform humans in strategy games.
- 2002 - Robotic lawn mowing: Robomow introduced automated lawn mowers, enabling efficient and precise lawn maintenance without human intervention.
- 2005 - Autonomous driving: DARPA's Grand Challenge showcased self-driving cars, paving the way for AI to revolutionize transportation.
- 2010 - Image recognition: AI algorithms like AlexNet excelled at classifying images, surpassing human performance in object recognition tasks.
- 2011 - Natural language processing: IBM's Watson defeated Jeopardy! champions, demonstrating AI's capacity for understanding and processing human language.
- 2012 - Automatic translation: Google Translate's AI-driven algorithms significantly improved, providing more accurate translations between languages.
- 2014 - Facial recognition: DeepFace, developed by Facebook, achieved human-level performance in identifying faces, enabling advanced security and identification applications.
- 2015 - Video game playing: AI agents began surpassing human performance in complex games like Dota 2, showcasing their ability to learn and adapt.
- 2016 - Voice assistants: AI-powered voice assistants like Amazon Alexa and Google Assistant became widely adopted, offering hands-free assistance in daily tasks.
- 2017 - Medical image analysis: AI systems surpassed human performance in diagnosing diseases from medical images, improving accuracy and speed in healthcare.
- 2018 - Protein folding prediction: DeepMind's AlphaFold demonstrated significant advancements in predicting protein structures, revolutionizing drug discovery and biology.
- 2019 - Text generation: OpenAI's GPT-2 showcased human-like text generation capabilities, automating content creation and summarization tasks.
- 2020 - Autonomous drones: AI-powered drones were developed for precise agricultural monitoring, reducing human labor and increasing efficiency in farming.
- 2021 - Artificial creativity: AI-generated art and music began achieving human-level quality, pushing the boundaries of creative expression.
- 2021 - Robotic surgery: AI-assisted surgical robots like the da Vinci Surgical System achieved human-level precision, enabling minimally invasive procedures with reduced complications.
- 2021 - Drug discovery: AI-driven platforms accelerated drug development, predicting molecule behavior and optimizing drug candidates with greater speed and accuracy.
- 2021 - Fraud detection: AI algorithms outperformed humans in detecting fraudulent transactions, increasing security and reducing financial losses for businesses.
- 2021 - Customer service: AI-powered chatbots provided efficient, 24/7 customer support, resolving inquiries with human-like responsiveness.
- 2021 - News summarization: AI systems excelled at summarizing news articles, providing concise, accurate summaries at a fraction of the time required by humans.
- 2022 - Stock trading: Algorithmic trading systems outperformed human traders, utilizing vast amounts of data to make more informed decisions and execute trades faster.
- 2022 - Robotic exoskeletons: AI-powered exoskeletons enabled disabled individuals to regain mobility, performing movements with human-like precision and responsiveness.
- 2022 - Autonomous shipping: AI-controlled cargo ships demonstrated safe, efficient navigation, reducing the need for human crew and the risk of accidents.
- 2022 - Content moderation: AI algorithms became more effective at identifying and removing harmful content online, reducing the burden on human moderators.
- 2022 - Movie script analysis: AI systems assessed movie scripts for potential success, predicting box office performance with greater accuracy than human experts.
- 2022 - Document review: AI tools outperformed humans in reviewing and categorizing legal documents, increasing efficiency and reducing the risk of human error.
- 2022 - Retail inventory management: AI-powered inventory systems optimized stock levels and predicted demand, enabling more efficient supply chain management.
- 2022 - Waste sorting: AI-assisted robots accurately sorted waste materials, increasing recycling rates and reducing the need for manual labor.
- 2022 - Weather forecasting: AI-driven models enhanced weather predictions, improving accuracy and providing more detailed forecasts than traditional methods.
- 2022 - Human resources: AI-powered tools streamlined recruitment, assessing candidate qualifications and predicting job performance with greater accuracy than human evaluators.
- 2023 - Financial planning: AI-driven financial advisors provided personalized, data-driven advice, outperforming human financial planners in generating optimal investment strategies.
- 2023 - Elderly care: AI-powered robots assisted in elderly care, monitoring health, providing companionship, and performing basic tasks with human-like compassion and skill.
- 2023 - Wildlife monitoring: AI-controlled drones and cameras identified and tracked wildlife populations, enabling more efficient conservation efforts.
- 2023 - Predictive maintenance: AI systems accurately predicted equipment failure, optimizing maintenance schedules and reducing downtime in industrial settings.
- 2023 - Urban planning: AI-driven simulations modeled complex urban systems, enabling more informed decision-making and better resource allocation than human experts alone.
- 2023 - Astrophysics: AI algorithms identified exoplanets and analyzed astronomical data with greater speed and precision than human scientists, advancing our understanding of the universe.
- 2023 - Video editing: AI-powered tools streamlined video editing tasks, automatically selecting and combining clips to create polished, professional videos.
- 2023 - Agriculture: AI-driven farm management systems optimized crop growth, irrigation, and fertilization, increasing efficiency and reducing human labor requirements.
- 2023 - Virtual reality: AI-generated realistic virtual environments provided immersive experiences for training, gaming, and social interaction, surpassing human-created environments in complexity and realism.
- 2023 - Cooking: AI-powered robotic chefs demonstrated human-level culinary skills, preparing meals with precision and creativity.
- 2023 - Scientific research: AI-driven literature analysis and hypothesis generation accelerated scientific discoveries, identifying patterns and connections beyond human cognitive capabilities.
- 2023 - Fashion design: AI-generated fashion designs combined style, function, and trends, creating innovative clothing and accessories at a faster pace than human designers.
- 2023 - Material science: AI algorithms accelerated material discovery and optimization, predicting properties and performance with greater accuracy than human scientists.
- 2023 - Seismic data interpretation: AI systems outperformed humans in interpreting seismic data, enabling more accurate predictions of oil and gas deposits and reducing exploration risks.
- 2023 - Education: AI-driven personalized learning systems adapted to individual students' needs, optimizing educational outcomes and surpassing traditional teaching methods.
- 2024 - Mental health assessment: AI-powered tools accurately assessed mental health conditions, providing more timely and personalized support for individuals in need.
- 2024 - Industrial design: AI systems generated innovative product designs, optimizing functionality and aesthetics while reducing development time.
- 2024 - Cybersecurity: AI-driven threat detection and response systems outperformed human analysts, providing more comprehensive and effective protection against cyberattacks.
- 2024 - Architecture: AI-generated architectural designs optimized space usage, sustainability, and aesthetics, outperforming traditional human-driven design processes.
- 2024 - Sports coaching: AI-powered analysis of athlete performance provided personalized training programs, enhancing performance and injury prevention beyond human coaching capabilities.
- 2024 - 3D modeling: AI-driven tools automated complex 3D modeling tasks, producing high-quality models at a faster pace than human artists.
- 2024 - Marketing: AI-generated marketing campaigns analyzed consumer preferences and trends, creating targeted and effective advertisements that outperformed human-driven strategies.
- 2024 - Music composition: AI-composed music achieved human-level creativity and complexity, expanding the realm of musical possibilities.
- 2024 - Social media management: AI-powered tools optimized content creation, scheduling, and engagement, outperforming human social media managers in efficiency and reach.
- 2024 - Technical support: AI-driven systems provided real-time, personalized technical support, resolving issues more quickly and accurately than human agents.
- 2024 - Language learning: AI-driven language learning platforms provided personalized, immersive experiences, accelerating language acquisition beyond traditional teaching methods.
- 2024 - Transportation management: AI-powered traffic control systems optimized traffic flow and reduced congestion, surpassing human-operated systems in efficiency and effectiveness.
- 2024 - Pharmaceutical manufacturing: AI-driven process optimization in pharmaceutical production increased efficiency, quality, and safety, outperforming traditional human-controlled processes.
- 2025 - Robotic journalism: AI-generated news articles achieved human-level quality, covering a wider range of topics and providing faster updates than human journalists.
- 2025 - E-commerce: AI-powered recommendation engines surpassed human curators in providing personalized product suggestions, increasing customer satisfaction and sales.
- 2025 - Hazardous materials handling: AI-controlled robots safely managed hazardous materials, reducing human exposure and risk in dangerous environments.
- 2025 - Emergency response: AI-driven systems coordinated emergency response efforts, optimizing resource allocation and decision-making in critical situations.
- 2025 - Environmental monitoring: AI-powered systems analyzed environmental data, predicting and mitigating the impact of natural disasters more effectively than human-led efforts.
- 2025 - Robotic nursing: AI-assisted robots provided human-like care in hospitals and healthcare facilities, improving patient outcomes and reducing the burden on human nursing staff.
- 2025 - Quality control: AI-driven inspection systems surpassed human performance in identifying manufacturing defects, increasing overall product quality and reducing waste.
- 2025 - Art restoration: AI-powered tools accurately restored damaged artworks, preserving cultural heritage with greater precision than human restorers.
- 2025 - Construction: AI-assisted robots performed construction tasks with human-like precision, improving efficiency and reducing the risk of accidents on job sites.
- 2025 - Geospatial analysis: AI-driven tools outperformed humans in processing and interpreting geospatial data, supporting more informed decision-making in various fields.
- 2025 - Event planning: AI-powered tools streamlined event management, optimizing logistics and resource allocation more effectively than human planners.
- 2025 - Air traffic control: AI-driven systems managed air traffic with greater efficiency and safety, reducing delays and the risk of accidents.
- 2026 - Medical research: AI algorithms accelerated the analysis of medical data, identifying correlations and patterns beyond human capabilities, and speeding up medical breakthroughs.
- 2026 - Personal fitness coaching: AI-driven fitness apps provided personalized exercise programs and real-time feedback, outperforming human personal trainers in convenience and effectiveness.
- 2026 - Robotic bartending: AI-powered robotic bartenders mixed and served drinks with human-level precision, increasing efficiency and consistency in the hospitality industry.
- 2026 - Genetic analysis: AI systems outperformed humans in interpreting genetic data, enabling more accurate predictions of disease risk and personalized medicine.
- 2026 - Urban farming: AI-driven vertical farming systems optimized crop growth and resource usage, surpassing traditional human-operated farming methods in efficiency and sustainability.
- 2026 - Ocean exploration: AI-powered underwater drones mapped and analyzed ocean depths, providing insights into marine ecosystems and geological features beyond human capabilities.
- 2026 - Biomedical engineering: AI-driven design and optimization of medical devices and prosthetics achieved superior performance and customization compared to traditional human-led approaches.
- 2026 - Public safety: AI-powered surveillance and predictive analytics enhanced public safety efforts, preventing and responding to incidents more effectively than human-led initiatives.
- 2026 - Veterinary diagnostics: AI systems accurately diagnosed animal diseases, improving veterinary care and reducing the need for invasive procedures.
- 2026 - Water management: AI-driven water treatment and distribution systems optimized resource usage and minimized waste, outperforming traditional human-operated systems.
- 2027 - Animation: AI-generated animations achieved human-level quality and expressiveness, reducing the time and labor required for complex animation projects.
- 2027 - Space exploration: AI-powered systems and robots performed space exploration tasks with greater autonomy and efficiency, reducing the need for human intervention in harsh environments.
- 2027 - Supply chain management: AI-driven tools optimized supply chain logistics, predicting demand fluctuations and reducing costs more effectively than human planners.
- 2027 - Forest management: AI-assisted drones and robots monitored and maintained forest health, improving conservation efforts and reducing the need for human labor.
- 2027 - Sentiment analysis: AI algorithms accurately assessed human emotions in text and speech, enabling more effective communication and customer service.
- 2027 - Intellectual property management: AI-powered tools streamlined the patent application process, identifying prior art and generating patent claims more efficiently than human experts.
- 2027 - Archaeological analysis: AI-driven tools deciphered ancient texts and analyzed artifacts with greater speed and accuracy than human archaeologists, uncovering new historical insights.
- 2028 - Industrial inspection: AI-powered robotic systems performed comprehensive inspections of infrastructure and machinery, detecting flaws and predicting failures more accurately than humans.
- 2028 - Interior design: AI-generated interior designs optimized space usage, aesthetics, and functionality, outperforming human designers in efficiency and personalization.
- 2028 - Real estate appraisal: AI-driven tools assessed property values with greater accuracy and speed, reducing the need for manual appraisals.
- 2028 - Human pose estimation: AI algorithms accurately analyzed human body movements in real-time, enabling advanced applications in sports, healthcare, and entertainment.
- 2028 - Art curation: AI-generated art exhibitions combined aesthetics, historical context, and visitor preferences more effectively than human curators, enhancing the museum experience.
- 2028 - Urban sanitation: AI-driven sanitation robots efficiently cleaned and maintained urban environments, reducing the need for human labor and improving public health.
- 2028 - Sleep analysis: AI-powered sleep tracking devices provided personalized recommendations for sleep improvement, surpassing human-led sleep assessments in accuracy and convenience.
- 2028 - Predictive policing: AI-driven tools analyzed crime data to predict and prevent criminal activity, enhancing public safety and resource allocation more effectively than traditional methods.
- 2029 - Astrophotography: AI-driven image processing techniques enhanced astrophotography, achieving higher-quality images and revealing celestial details previously unattainable by human processing methods.
- 2029 - Energy management: AI-powered systems optimized energy consumption and distribution in smart grids, improving efficiency and reducing environmental impact more effectively than human-led efforts.
- 2029 - Telecommunications: AI-driven tools maintained and optimized telecommunications networks, enhancing reliability, and reducing downtime more efficiently than human technicians.
- 2029 - Soil analysis: AI-powered soil sensors and analysis systems provided detailed, real-time information about soil health and composition, surpassing traditional human-operated testing methods.
- 2029 - Sports analytics: AI-driven performance analysis tools provided real-time insights into team dynamics and player performance, improving coaching decisions and strategies more effectively than human analysis.
- 2029 - Robotic caregiving: AI-assisted robots provided human-like care for children and individuals with special needs, offering personalized support, and reducing the burden on human caregivers.
- 2029 - Art valuation: AI-driven systems accurately predicted the value of artworks, streamlining the appraisal process, and reducing subjectivity in the art market.
- 2029 - Political analysis: AI-powered tools analyzed political data and public opinion more efficiently than human analysts, providing more accurate predictions of election outcomes and policy impacts.
- 2029 - Film editing: AI-driven software streamlined film editing tasks, automatically selecting and combining clips to create engaging narratives more efficiently than human editors.
- 2029 - Chemical engineering: AI algorithms accelerated chemical process design and optimization, predicting reaction outcomes and reducing trial-and-error experimentation in comparison to traditional human-led approaches.
- 2030 - Gaming: AI-generated game content and characters provided unique, adaptive gaming experiences, surpassing the capabilities of traditional human-driven game development.
- 2030 - Pest control: AI-powered pest detection and management systems improved agricultural productivity and reduced environmental impact more effectively than human-operated methods.
- 2030 - Speech therapy: AI-driven speech therapy tools provided personalized, real-time feedback and progress tracking, enhancing outcomes more effectively than traditional human-led therapy.
- 2030 - Natural language generation: AI systems composed human-like text across various domains, outperforming human writers in speed, accuracy, and adaptability.
- 2030 - Job matching: AI-powered platforms accurately matched job seekers with relevant opportunities, optimizing the hiring process and reducing the need for human recruiters.
- 2030 - Marine biology: AI-driven analysis of marine ecosystems provided deeper insights into species distribution and behavior, enabling more effective conservation efforts beyond human capabilities.
- 2030 - Earthquake prediction: AI algorithms accurately predicted seismic events by analyzing vast amounts of geological data, outperforming traditional human-led methods.
- 2030 - Online privacy: AI-driven privacy protection tools detected and mitigated online threats, ensuring user privacy and security more effectively than human-operated methods.
- 2030 - DNA synthesis: AI-powered tools optimized DNA synthesis, improving the efficiency and accuracy of gene editing and synthetic biology applications beyond human-led approaches.
- 2030 - Travel planning: AI-generated travel itineraries combined personal preferences, local insights, and real-time data to create customized experiences that surpassed traditional human-led planning.
- 2031 - Space debris tracking: AI-driven systems accurately tracked and predicted the movement of space debris, improving satellite safety and collision avoidance beyond human capabilities.
- 2031 - Wildlife conservation: AI-powered tools analyzed wildlife populations and habitats, enabling more effective conservation efforts and reducing the need for manual monitoring by humans.
- 2031 - Molecular modeling: AI algorithms accurately predicted molecular structures and interactions, speeding up drug discovery and materials science research compared to human-led methods.
- 2031 - Legal document analysis: AI-driven tools streamlined the review and analysis of legal documents, increasing efficiency and reducing errors compared to traditional human-led approaches.
- 2031 - Smart homes: AI-powered systems managed energy consumption, security, and home maintenance more effectively than human-operated methods, improving comfort and sustainability.
- 2031 - Disaster recovery: AI-driven robots and drones performed search and rescue operations in hazardous environments, reducing the risk to human responders and improving recovery outcomes.
- 2031 - Bioinformatics: AI algorithms analyzed vast amounts of biological data, identifying patterns and correlations beyond human capabilities, leading to new discoveries in genetics and molecular biology.
- 2031 - Waste management: AI-powered sorting and recycling systems improved waste management efficiency and reduced environmental impact more effectively than human-operated methods.
- 2031 - Climate modeling: AI-driven climate models provided more accurate predictions of climate change impacts, informing policy decisions and mitigation strategies beyond human-led modeling capabilities.
- 2031 - Talent scouting: AI-powered tools identified and evaluated prospective talent in sports, entertainment, and various industries, reducing human biases and improving selection processes.
- 2032 - Robotic surgery: AI-assisted surgical robots performed complex procedures with greater precision and reduced complications compared to traditional human-led surgeries.
- 2032 - Meteorology: AI-driven weather prediction models provided more accurate and localized forecasts, enhancing public safety and informing decision-making beyond human capabilities.
- 2032 - Customer behavior analysis: AI-powered tools analyzed customer behavior and preferences more effectively than human analysts, enabling more targeted marketing and sales strategies.
- 2032 - Pollution monitoring: AI-driven systems detected and analyzed air and water pollution levels, informing more effective environmental policies and cleanup efforts compared to traditional human-operated methods.
- 2032 - Drone traffic management: AI-powered tools optimized drone flight paths and airspace usage, improving efficiency and reducing the risk of collisions beyond human-led management.
- 2032 - Public health: AI algorithms analyzed vast amounts of health data, identifying disease outbreaks and predicting public health trends more accurately than human-led methods.
- 2032 - Nanotechnology: AI-driven design and synthesis of nanomaterials accelerated advancements in electronics, medicine, and other fields beyond human capabilities.
- 2032 - Personal finance management: AI-powered tools optimized budgeting, investment, and tax planning, providing personalized financial advice more effectively than traditional human advisors.
- 2032 - Digital art: AI-generated visual art achieved human-level creativity and complexity, pushing the boundaries of artistic expression and reducing the time and effort required by human artists.
- 2032 - Scientific peer review: AI-driven systems evaluated the quality and validity of scientific research, streamlining the peer review process and reducing human biases and errors.
- 2033 - Electronic component design: AI-driven tools optimized the design and manufacturing of electronic components, improving performance and efficiency beyond human-led methods.
- 2033 - Aquaculture: AI-powered systems managed fish farming operations, optimizing feeding, water quality, and growth rates more effectively than traditional human-operated methods.
- 2033 - Fashion design: AI-generated fashion designs combined creativity, trend analysis, and customer preferences more effectively than human designers, streamlining the fashion industry.
- 2033 - Music composition: AI-driven systems composed original music pieces in various genres, achieving human-level creativity and expression while reducing the time and effort required by human composers.
- 2033 - Mental health assessment: AI-powered tools accurately assessed and diagnosed mental health conditions, improving access to mental health care and reducing the burden on human professionals.
- 2033 - Materials discovery: AI algorithms accelerated the discovery and optimization of new materials for various applications, reducing the time and cost of experimentation compared to human-led approaches.
- 2033 - Industrial design: AI-driven tools streamlined product design and prototyping, optimizing functionality, aesthetics, and manufacturability beyond human capabilities.
- 2033 - Ecosystem restoration: AI-powered systems analyzed and managed ecosystem restoration projects, improving the efficiency and success rate of efforts to restore degraded environments.
- 2033 - Seismology: AI algorithms analyzed seismic data more effectively than human seismologists, improving our understanding of Earth's geology and natural processes.
- 2033 - Cognitive training: AI-driven cognitive training tools provided personalized and adaptive exercises, enhancing learning and memory more effectively than traditional human-led methods.
2023.03.20 20:52 BottomShelfVodka I lied on my resume, and now I'm a bartender.
 | I walked into what was basically a Main Event and slapped my resume on the counter. I said "You guys are hiring, and I need a job." I was sure I was going to be sucked into another management position based on my experience, but to my surprise, the company was more desperate to throw someone (literally anyone) in their bartending position. submitted by BottomShelfVodka to bottomshelfvodka [link] [comments] I was interviewed on the spot, and I gave the immediate disclosure that although I did put "bartender", on my resume, the Polish restaurant I served at only had one keg and a few bottles of beer. They never had a liquor license. I had zero cocktail experience, let alone any basic liquor knowledge. They said "fuck it" and welcomed me on board as their newest bartender anyway, and I couldn't be happier. What an opportunity to get to interact with such a wide demographic of individuals. People tell me their wildest stories (especially after they've had a few drinks in them). I'm really just looking for a place where I can share some of the encounters I've had with the people who pay me to get them drunk. Updates soon to follow. |
2023.03.20 20:52 AlwaysHorny415 SF Financial Independence FIRE
Anybody into the FI and FIRE thing? SF, being a very high cost of living area, is not ideal for FI, even with high salaries. My current plan is to stay in my rent controlled unit for as long as possible (3-5 years). This allows me to save quite a bit. And at some point leave for a place like Nevada/Arizona where my savings will basically allow me to buy a house without mortgage. Of course I'll miss the amazing weather, the walkability, etc. but at some point financial freedom/independence takes a front seat. Curious what other strategies folks are doing.
submitted by AlwaysHorny415 to sanfrancisco [link] [comments]
2023.03.20 20:47 Unusual-Calendar-200 Considering being a SB (names, identities, profiles, etc)
Hi everyone. I’m 18 (soon turning 19), and I will be graduating highschool in May. (Let me preface this by saying I will not be engaging in sugaring while still in highschool even if I’m of legal age. Even if I’m 18, I think any man willing or eager to date a highschool student possesses or will exhibit problematic behavior in the future).
(Quick note, if you just want to see my questions with no context scroll to where I separated two paragraphs with “———-“)
Anyway, so I’ve been considering/ exploring the sugar dating world a little bit because I will need support for my college tuition as well as other related expenses (and maybe eventually other expenses like rent, groceries, things of that caliber).
My mother is newly divorced from my father, and she is a teacher assistant for the special education program at a middle school (so she doesn’t make much). My father is vile, and I have limited contact with him. I do not get any financial support from him, and my mother gets very, very little from him in comparison to his salary. (She makes abt 18K/ per year before taxes. He makes $400K+ before taxes).
I couldn’t apply for institutional financial aid at most of the colleges I’ve applied to because my father refused to provide copies of his 2021 W-2 forms and his 2021 federal tax returns (he had to submit them online, I would have had no access to them). So I will be in even more of a bind.
Currently, I’m not able to work a consistent job because of my heavy school workload (If I could work consistently without getting horrible grades, I absolutely would). This summer, I will be getting a full-time job in addition to the babysitting, dog walking, and doordashing that I already do. But these tuitions + room/board + materials are truly unbelievable. I know for a fact that even if I worked 3 full-time jobs in addition to being a full-time student, I would not be receiving anywhere what is necessary.
I also want to find a way to provide somewhat for my mom. I won’t go into detail, but she needs financial help desperately through no fault of her own.
So I’ve been exploring this world for a little bit, and I have some questions. Let’s start with names, identities, and profiles. I will create an alias and somewhat of an identity to match with said alias for sites. I will not provide my real information on sites (I’d only consider that if I’ve known SD for some time and feel comfortable enough). I have a list of names and am exploring surnames, but I don’t want it to be so complicated that they get bored or confused, but not generic enough so that they continue scrolling. Similarly, I’ll include some activities I enjoy in addition to being upfront about what I’m looking for, but as for a persona, I want to cultivate one that deviates somewhat from my real persona. I understand this can be a tricky business, and I want to draw lines between my personal life and my SB life.
I wouldn’t say I fit the conventional attractiveness standards, but I know I’m pretty enough, I know how to exude the innocent/ demure/ mentally/emotionally mature qualities just enough not to outweigh the alluring, curious qualities that appeal to SDs, and I know how to stroke a man’s ego. I grew up in an emotionally explosive and unstable household, so I’m very familiar with following a script in the most “genuine way.” (Looks aren’t above par, but these other qualities compensate for that).
————————————————————- For profiles and websites, it seems like sugardaddy, seekingarrangements, and secret benefits are the winners? (correct me if I’m wrong).
I don’t want to reveal my face if possible, but I don’t want my profile pics to just be of my body and convey that I’m very intimacy centered. It would be ideal to find SD who genuinely doesn’t want or need to pressure, and sexual intimacy isn’t a must factor or top priority. Ik that isn’t the case most times, though.
But my questions come down to: 1) which sites do you all find to be the best (most successful, most legit/least scammers, most “safe”)? 2) advice on aliases, identities, and profile photos that protect my security / real identity (how to catch and keep an SDs interest when they’re scrolling).
Bonus questions:
I’m considering making my accounts once I graduate so I can explore and play around with perfecting my profiles (and maybe gain practice w/ messaging and interacting with “POTs.” But my concern is I live in Arkansas (least hillbilly area; expanding rapidly and fairly affluent because this area is one of the world's largest conglomerates is headquartered here), and I worry about my classmates' fathers seeing my profile or something like that happening. What would you all recommend with that?
Sorry that was so long; I couldn’t help but over-explain and provide exact detail. Thank you to all who made it this far!!
submitted by Unusual-Calendar-200 to SugarBABYonlyforum [link] [comments]
(Quick note, if you just want to see my questions with no context scroll to where I separated two paragraphs with “———-“)
Anyway, so I’ve been considering/ exploring the sugar dating world a little bit because I will need support for my college tuition as well as other related expenses (and maybe eventually other expenses like rent, groceries, things of that caliber).
My mother is newly divorced from my father, and she is a teacher assistant for the special education program at a middle school (so she doesn’t make much). My father is vile, and I have limited contact with him. I do not get any financial support from him, and my mother gets very, very little from him in comparison to his salary. (She makes abt 18K/ per year before taxes. He makes $400K+ before taxes).
I couldn’t apply for institutional financial aid at most of the colleges I’ve applied to because my father refused to provide copies of his 2021 W-2 forms and his 2021 federal tax returns (he had to submit them online, I would have had no access to them). So I will be in even more of a bind.
Currently, I’m not able to work a consistent job because of my heavy school workload (If I could work consistently without getting horrible grades, I absolutely would). This summer, I will be getting a full-time job in addition to the babysitting, dog walking, and doordashing that I already do. But these tuitions + room/board + materials are truly unbelievable. I know for a fact that even if I worked 3 full-time jobs in addition to being a full-time student, I would not be receiving anywhere what is necessary.
I also want to find a way to provide somewhat for my mom. I won’t go into detail, but she needs financial help desperately through no fault of her own.
So I’ve been exploring this world for a little bit, and I have some questions. Let’s start with names, identities, and profiles. I will create an alias and somewhat of an identity to match with said alias for sites. I will not provide my real information on sites (I’d only consider that if I’ve known SD for some time and feel comfortable enough). I have a list of names and am exploring surnames, but I don’t want it to be so complicated that they get bored or confused, but not generic enough so that they continue scrolling. Similarly, I’ll include some activities I enjoy in addition to being upfront about what I’m looking for, but as for a persona, I want to cultivate one that deviates somewhat from my real persona. I understand this can be a tricky business, and I want to draw lines between my personal life and my SB life.
I wouldn’t say I fit the conventional attractiveness standards, but I know I’m pretty enough, I know how to exude the innocent/ demure/ mentally/emotionally mature qualities just enough not to outweigh the alluring, curious qualities that appeal to SDs, and I know how to stroke a man’s ego. I grew up in an emotionally explosive and unstable household, so I’m very familiar with following a script in the most “genuine way.” (Looks aren’t above par, but these other qualities compensate for that).
————————————————————- For profiles and websites, it seems like sugardaddy, seekingarrangements, and secret benefits are the winners? (correct me if I’m wrong).
I don’t want to reveal my face if possible, but I don’t want my profile pics to just be of my body and convey that I’m very intimacy centered. It would be ideal to find SD who genuinely doesn’t want or need to pressure, and sexual intimacy isn’t a must factor or top priority. Ik that isn’t the case most times, though.
But my questions come down to: 1) which sites do you all find to be the best (most successful, most legit/least scammers, most “safe”)? 2) advice on aliases, identities, and profile photos that protect my security / real identity (how to catch and keep an SDs interest when they’re scrolling).
Bonus questions:
I’m considering making my accounts once I graduate so I can explore and play around with perfecting my profiles (and maybe gain practice w/ messaging and interacting with “POTs.” But my concern is I live in Arkansas (least hillbilly area; expanding rapidly and fairly affluent because this area is one of the world's largest conglomerates is headquartered here), and I worry about my classmates' fathers seeing my profile or something like that happening. What would you all recommend with that?
Sorry that was so long; I couldn’t help but over-explain and provide exact detail. Thank you to all who made it this far!!
2023.03.20 20:34 Infinite_Candidate68 What is the best way to handle a difficult situation with a financial advisor or banker?
If you could have any animal as a pet, what would it be?
submitted by Infinite_Candidate68 to u/Infinite_Candidate68 [link] [comments]
2023.03.20 20:16 SanibelMan Big tax hit from 529. Too late to reinvest?
My oldest started college last fall, and my parents set up a 529 for him and my other kids years ago. Apparently, there was a miscommunication when I called the financial advisor to let him know I needed to start taking money out of it soon. I asked him to sell $20,000, and in my mind, I meant "make it liquid so it's safe if the market implodes and I can cut checks to school with it." Unfortunately, when I got my 1099-Q and added it in TurboTax, I went from getting a refund to owing about $4,500, because the 1099-Q shows the $20,000 as a gross distribution, so it counts as income.
I paid about $6,700 in tuition, room/board, and fees, and the remaining $13,300 was still in cash in the account at the end of the year. (Now it's about $8,800 after this semester's payments.) Is it possible to reinvest the remaining cash in the account into a 529 money market fund or something to ease my tax burden, or is it too late for that? Oh, and I can't claim tuition and fees on my taxes, because including the $20,000, my income is over the $90,000 limit.
submitted by SanibelMan to personalfinance [link] [comments]
I paid about $6,700 in tuition, room/board, and fees, and the remaining $13,300 was still in cash in the account at the end of the year. (Now it's about $8,800 after this semester's payments.) Is it possible to reinvest the remaining cash in the account into a 529 money market fund or something to ease my tax burden, or is it too late for that? Oh, and I can't claim tuition and fees on my taxes, because including the $20,000, my income is over the $90,000 limit.
2023.03.20 20:13 Professional_Disk131 Swarmio Media (CSE: SWRM, OTC: SWMIF) Appoints New Full-Time Chief Financial Officer in Anticipation of High-Growth Phase
- Swarmio has appointed Mr. Jonathan Visva as its CFO, replacing previous CFO Mr. Kyle Appleby, who had been supporting Swarmio on a part-time basis. Mr. Appleby will continue to support Swarmio as an Advisor.
- The Company is anticipating a high-growth phase and believes it is necessary to appoint a full-time CFO to support this growth.
- Swarmio has now completed the soft launch of its Ember gaming and esports platform across Tunisia, the Philippines and the United Arab Emirates via its telco partners, and expects revenues generated from these partnerships to increase as they progress in 2023.
- The Company has also successfully integrated alternative payment channels including direct carrier billing and digital e-wallets, allowing gamers to pay for in-game digital content without a credit card and ushering in the next phase of growth, during which new and recurring revenues are expected to increase.
Mr. Visva replaces Mr. Kyle Appleby, who had been supporting Swarmio as CFO on a part-time basis and was instrumental in the Company's transition from private to public entity in 2021 and 2022. Mr. Appleby will continue to support the Company as an Advisor moving forward.
"The appointment of a full-time CFO is an important development for Swarmio as we seek to continue accelerating revenue growth in fiscal 2023," commented Vijai Karthigesu, CEO of Swarmio. "During fiscal 2022 we signed partnerships with several of the world's largest telcos to launch our Ember gaming and esports platform across the MENA region. These partnerships have now completed a soft launch stage, with Swarmio having successfully integrated payment technologies that enable gamers to pay for in-game content and other features using gamer e-wallet, direct carrier billing and direct top-up. As a result, these partnerships are entering a new period of growth during which Swarmio expects revenue generation will increase. We also expect to establish new relationships with game publishers, following on from our successful partnership with Tencent Games in the Philippines. I'd like to thank Mr. Appleby for his contributions to the Company over the past few years, and I'd like to congratulate Mr. Visva."
Swarmio deploys its Ember gaming and esports platform to gamers through partnerships with telecommunications companies, who offer the Ember product to their customers as an add-on service. Subscribers to the Ember platform enjoy an ultra-low-latency playing experience, access to exclusive competitive challenges and tournaments, unique gaming content, managed communities, gamification and points system, online store, and gamer e-wallet.
During fiscal 2022 Swarmio announced it had signed revenue share agreements with Telekom Malaysia, Globe Telecom (Philippines), Ooredoo (Tunisia), and Etisalat (UAE). Swarmio also signed an agreement with UniPin, the world's leading provider of in-game digital content, giving Ember subscribers access to an unlimited supply of unique digital content and products which can be purchased inside games without interruption using alternative payment channels that don't require a credit card.
Revenues generated from subscriptions and profit from transactions carried out within the Ember platform through its integrated ecommerce and fintech solutions are subject to revenue share agreements between Swarmio and its telco and game publisher partners.
About Ember by Swarmio
Swarmio's fully managed, plug-and-play Ember platform can be quickly and seamlessly integrated with major telco operations, allowing telcos to engage and monetize gaming subscribers and gain immediate and meaningful access to the US$200 billion gaming market.
Ember provides a proprietary digital hub for gaming communities, allowing gamers to access an ultra-low-latency playing experience, competitive challenges and tournaments, exclusive gaming content, managed communities, gamification and points system, online store (Swarmio Store), gamer e-wallet (Swarmio Pay), and customized digital content.
Ember also enables game publishers and developers to reach, engage and monetize the 2 billion gamers in Asia, Africa, the Middle East and Latin America, where credit card penetration is relatively low and access to bank accounts is limited. By partnering with telecom operators, Swarmio enables gamers to purchase Ember's exclusive services, solutions and in-game items and content using telco payment channels such as digital wallets and Direct Carrier Billing.
To learn more, visit any of Swarmio's Ember partner sites:
Globe Telecom (Philippines): https://globe.emberhub.gg/Ooredoo (Tunisia): https://ooredoo.emberhub.gg/Etisalat (UAE): https://hub.arenaesports.ae/SLTmobitel (Sri Lanka): https://esports.slt.lk/
About Swarmio Media
Swarmio Media (CSE: SWRM; OTC: SWMIF; GR: U5U) is a technology company focused on deploying its proprietary end-to-end gaming and esports platform, Ember, which enables telcos to monetize their gaming customers. Swarmio has engaged with several telcos that have launched Ember as an add-on service, allowing subscribers to access tournaments, engage in a localized gaming community, challenge friends and influencers, and earn points that can be used to purchase gaming content. Ember is powered by Swarmio's patented Latency-Optimized Edge Cloud ('LEC') technology, which reduces lag and allows gamers to enjoy an optimized gaming experience.
To learn more about Swarmio Media, please visit:Swarmio Investor Website (https://ir.swarmio.media)Swarmio on LinkedIn (https://www.linkedin.com/company/swarmiomedia)Swarmio on Twitter (https://twitter.com/SwarmioMedia)
2023.03.20 20:13 Professional_Disk131 Swarmio Media (CSE: SWRM, OTC: SWMIF) Appoints New Full-Time Chief Financial Officer in Anticipation of High-Growth Phase
 |
https://preview.redd.it/kkr1541d1yoa1.jpg?width=600&format=pjpg&auto=webp&s=d9ebe5ce3607785a328e16870ebaf9ad7b94d806 Mr. Visva replaces Mr. Kyle Appleby, who had been supporting Swarmio as CFO on a part-time basis and was instrumental in the Company's transition from private to public entity in 2021 and 2022. Mr. Appleby will continue to support the Company as an Advisor moving forward. "The appointment of a full-time CFO is an important development for Swarmio as we seek to continue accelerating revenue growth in fiscal 2023," commented Vijai Karthigesu, CEO of Swarmio. "During fiscal 2022 we signed partnerships with several of the world's largest telcos to launch our Ember gaming and esports platform across the MENA region. These partnerships have now completed a soft launch stage, with Swarmio having successfully integrated payment technologies that enable gamers to pay for in-game content and other features using gamer e-wallet, direct carrier billing and direct top-up. As a result, these partnerships are entering a new period of growth during which Swarmio expects revenue generation will increase. We also expect to establish new relationships with game publishers, following on from our successful partnership with Tencent Games in the Philippines. I'd like to thank Mr. Appleby for his contributions to the Company over the past few years, and I'd like to congratulate Mr. Visva." Swarmio deploys its Ember gaming and esports platform to gamers through partnerships with telecommunications companies, who offer the Ember product to their customers as an add-on service. Subscribers to the Ember platform enjoy an ultra-low-latency playing experience, access to exclusive competitive challenges and tournaments, unique gaming content, managed communities, gamification and points system, online store, and gamer e-wallet. During fiscal 2022 Swarmio announced it had signed revenue share agreements with Telekom Malaysia, Globe Telecom (Philippines), Ooredoo (Tunisia), and Etisalat (UAE). Swarmio also signed an agreement with UniPin, the world's leading provider of in-game digital content, giving Ember subscribers access to an unlimited supply of unique digital content and products which can be purchased inside games without interruption using alternative payment channels that don't require a credit card. Revenues generated from subscriptions and profit from transactions carried out within the Ember platform through its integrated ecommerce and fintech solutions are subject to revenue share agreements between Swarmio and its telco and game publisher partners. About Ember by Swarmio Swarmio's fully managed, plug-and-play Ember platform can be quickly and seamlessly integrated with major telco operations, allowing telcos to engage and monetize gaming subscribers and gain immediate and meaningful access to the US$200 billion gaming market. Ember provides a proprietary digital hub for gaming communities, allowing gamers to access an ultra-low-latency playing experience, competitive challenges and tournaments, exclusive gaming content, managed communities, gamification and points system, online store (Swarmio Store), gamer e-wallet (Swarmio Pay), and customized digital content. Ember also enables game publishers and developers to reach, engage and monetize the 2 billion gamers in Asia, Africa, the Middle East and Latin America, where credit card penetration is relatively low and access to bank accounts is limited. By partnering with telecom operators, Swarmio enables gamers to purchase Ember's exclusive services, solutions and in-game items and content using telco payment channels such as digital wallets and Direct Carrier Billing. To learn more, visit any of Swarmio's Ember partner sites: Globe Telecom (Philippines): https://globe.emberhub.gg/Ooredoo (Tunisia): https://ooredoo.emberhub.gg/Etisalat (UAE): https://hub.arenaesports.ae/SLTmobitel (Sri Lanka): https://esports.slt.lk/ About Swarmio Media Swarmio Media (CSE: SWRM; OTC: SWMIF; GR: U5U) is a technology company focused on deploying its proprietary end-to-end gaming and esports platform, Ember, which enables telcos to monetize their gaming customers. Swarmio has engaged with several telcos that have launched Ember as an add-on service, allowing subscribers to access tournaments, engage in a localized gaming community, challenge friends and influencers, and earn points that can be used to purchase gaming content. Ember is powered by Swarmio's patented Latency-Optimized Edge Cloud ('LEC') technology, which reduces lag and allows gamers to enjoy an optimized gaming experience. To learn more about Swarmio Media, please visit:Swarmio Investor Website (https://ir.swarmio.media)Swarmio on LinkedIn (https://www.linkedin.com/company/swarmiomedia)Swarmio on Twitter (https://twitter.com/SwarmioMedia) |
2023.03.20 20:13 Professional_Disk131 Swarmio Media (CSE: SWRM, OTC: SWMIF) Appoints New Full-Time Chief Financial Officer in Anticipation of High-Growth Phase
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https://preview.redd.it/rr6g5wqa1yoa1.jpg?width=600&format=pjpg&auto=webp&s=9e8ec0ea29abfa52bec66e59c60ae8f31d595a1c Mr. Visva replaces Mr. Kyle Appleby, who had been supporting Swarmio as CFO on a part-time basis and was instrumental in the Company's transition from private to public entity in 2021 and 2022. Mr. Appleby will continue to support the Company as an Advisor moving forward. "The appointment of a full-time CFO is an important development for Swarmio as we seek to continue accelerating revenue growth in fiscal 2023," commented Vijai Karthigesu, CEO of Swarmio. "During fiscal 2022 we signed partnerships with several of the world's largest telcos to launch our Ember gaming and esports platform across the MENA region. These partnerships have now completed a soft launch stage, with Swarmio having successfully integrated payment technologies that enable gamers to pay for in-game content and other features using gamer e-wallet, direct carrier billing and direct top-up. As a result, these partnerships are entering a new period of growth during which Swarmio expects revenue generation will increase. We also expect to establish new relationships with game publishers, following on from our successful partnership with Tencent Games in the Philippines. I'd like to thank Mr. Appleby for his contributions to the Company over the past few years, and I'd like to congratulate Mr. Visva." Swarmio deploys its Ember gaming and esports platform to gamers through partnerships with telecommunications companies, who offer the Ember product to their customers as an add-on service. Subscribers to the Ember platform enjoy an ultra-low-latency playing experience, access to exclusive competitive challenges and tournaments, unique gaming content, managed communities, gamification and points system, online store, and gamer e-wallet. During fiscal 2022 Swarmio announced it had signed revenue share agreements with Telekom Malaysia, Globe Telecom (Philippines), Ooredoo (Tunisia), and Etisalat (UAE). Swarmio also signed an agreement with UniPin, the world's leading provider of in-game digital content, giving Ember subscribers access to an unlimited supply of unique digital content and products which can be purchased inside games without interruption using alternative payment channels that don't require a credit card. Revenues generated from subscriptions and profit from transactions carried out within the Ember platform through its integrated ecommerce and fintech solutions are subject to revenue share agreements between Swarmio and its telco and game publisher partners. About Ember by Swarmio Swarmio's fully managed, plug-and-play Ember platform can be quickly and seamlessly integrated with major telco operations, allowing telcos to engage and monetize gaming subscribers and gain immediate and meaningful access to the US$200 billion gaming market. Ember provides a proprietary digital hub for gaming communities, allowing gamers to access an ultra-low-latency playing experience, competitive challenges and tournaments, exclusive gaming content, managed communities, gamification and points system, online store (Swarmio Store), gamer e-wallet (Swarmio Pay), and customized digital content. Ember also enables game publishers and developers to reach, engage and monetize the 2 billion gamers in Asia, Africa, the Middle East and Latin America, where credit card penetration is relatively low and access to bank accounts is limited. By partnering with telecom operators, Swarmio enables gamers to purchase Ember's exclusive services, solutions and in-game items and content using telco payment channels such as digital wallets and Direct Carrier Billing. To learn more, visit any of Swarmio's Ember partner sites: Globe Telecom (Philippines): https://globe.emberhub.gg/Ooredoo (Tunisia): https://ooredoo.emberhub.gg/Etisalat (UAE): https://hub.arenaesports.ae/SLTmobitel (Sri Lanka): https://esports.slt.lk/ About Swarmio Media Swarmio Media (CSE: SWRM; OTC: SWMIF; GR: U5U) is a technology company focused on deploying its proprietary end-to-end gaming and esports platform, Ember, which enables telcos to monetize their gaming customers. Swarmio has engaged with several telcos that have launched Ember as an add-on service, allowing subscribers to access tournaments, engage in a localized gaming community, challenge friends and influencers, and earn points that can be used to purchase gaming content. Ember is powered by Swarmio's patented Latency-Optimized Edge Cloud ('LEC') technology, which reduces lag and allows gamers to enjoy an optimized gaming experience. To learn more about Swarmio Media, please visit:Swarmio Investor Website (https://ir.swarmio.media)Swarmio on LinkedIn (https://www.linkedin.com/company/swarmiomedia)Swarmio on Twitter (https://twitter.com/SwarmioMedia) |
2023.03.20 19:54 cavoswaskz 😘👉👌 IF YOU TAP YOU WILL CUM 🍆💦
 | submitted by cavoswaskz to q1pem1hla4 [link] [comments] IF YOU TAP HERE YOU WILL CUMIF YOU TAP HERE YOU WILL CUMIF YOU TAP HERE YOU WILL CUMhttps://i.redd.it/uws31zxvxxoa1.gifAs the jet touched down on Luzon Island, bringing Matthew Ryder 'home' to the Philippines, he resolved to look upon what had happened in England as a holiday romance. Yes, it was great while it lasted, but there was no future in it, was there? He had to get on with living the rest of his life to the full, to look forward and not back...didn't he? Yet barely an hour later, as he sat alone in the lounge of the sumptuous apartment in the middle of Manila's Makati financial district, the lonesome teenager couldn't help but reflect upon a week that had changed his life. Sighing wistfully, he yearned for his mother's voluptuous bosom, coverted Meg's beautiful mouth, craved Jo's exquisite pussy, longed to stroked Beth's delicious coffee-coloured legs and arse and was desperate to hear Amy's delightful giggle again. Oh how he missed them all so much, and he'd only been gone a day. To occupy his mind, Matthew embarked upon the seemingly onerous task of wading through the scores of condolence cards that had accumulated in the pigeonhole in his absence. Yet in less than half an hour the job was done. Taking hold of the address book, he set about contacting those that might still not have heard the news of his father's surprise passing. Yet that only put paid to another hour and all too soon he was twiddling his thumbs idly. Thus the phone call that came just before nightfall was a godsend. It was his father's lawyer, Tino Sala, inviting him out to dinner. A limousine would be there at eight o'clock sharp to collect him,Tino imparted. After minimal thought, Matthew consented, if only to leave behind the claustrophobic concrete confines of the apartment for a short while. The car took him through the thronging city, abuzz with insect-like activity, to the more laid-back surrounds of Manila Bay. With its azure blue boundaries, florid scenery and a picture postcard beauty that, he strove to convince himself, surpassed anything England had to offer, a visitor could easily fall in love with the place. In fact it had everything an upwardly mobile young man could wish for - but his family. A short stroll down the jetty took him to the floating restaurant in the harbour where Manila's top movers and shakers habitually gathered. Having secured the best table, one that afforded an unrestricted view of the entire vessel, Tino rose in greeting. The lawyer offered grave condolences and a firm handshake, enquiring how Matthew was bearing up. He was lonesome, he conceded, though not on account of his father. Immediately, a waiter materialised with a frosted glass to be quickly filed with a chiled bottle of San Miguel. The night balmy and humid, Matthew supped gratefully whilst perusing the menu. Despite the heat, he chose a starter of nilagang soup, with Tino electing to join him. For the main course, Tino plumped for crispy pata, a dish of deep fried pork knuckle. Patting his midriff a little guiltily in its wake the lawyer dabbed at the sides of his mouth with a napkin. Matthew stuck to his favourite Filipino dish, alimango, a steamed crab delicacy that was far more figure-conscious. Accompanied naturally by enough fried rice to feed the whole boat, Matthew leaned back in the chair bloated. The formalities dealt with, Tino wasted no time in getting down to business. "Well Matthew, you soon be a very rich young man." Matthew issued a sombre smile. "You come see me in office next week and we go through details, yah?" Matthew agreed, taking another bottle of beer, his head beginning to swim pleasantly. "So," continued Tino, his eyes sparkling, "we go on somewhere yah? You want fun? Lapdancers tonight, yes Matthew?" the lawyer offered with a nudge-nudge-wink-wink expression. Matthew smiled inwardly. After the week that had just surpassed, spent in the company of some of the most delicious women Matthew could imagine, a lapdance would be like eating hamburger after becoming accustomed to caviar. Sensing Matthew's lack of interest, Tino changed tack. "Or you want more, huh? I know nice Asian-American girl take care all your needs." Matthew forced a smile. If nothing else, the situation he was in certainly made him think. Putting matters into perspective for a moment, he was a soon-to-be millionaire bachelor soon to be eighteen with filmstar good looks and a lifeguard's physique. He could have his pick of every eligible girl on the island. Yet, despite a newfound enthusiasm for sex and forever feeling as horny as hell, tactfully he declined, citing tiredness from the long flight. Taking care of the bill, Tino wished him well and reminded him of their meeting the following week. Unbeknown to the lawyer, there was an ulterior motive behind Matthew's declining, a method to his madness. Indeed, during the stop-start limousine journey back to the apartment, his cock jerked at the very prospect of what lie in store. The young man's mind wandered back to the incredible events that preceded his departure from England. --- Worn out from Amy's party, Matthew had fallen into a deep long sleep. Snoozing contentedly among the crisp covers of his mother's bed, she cradled him like the long lost baby he was. Rousing some two to three hours later with the first sprinkling of dawn pressing the curtains, glancing down he saw his mother's hand draped across his chest as they lay in the spoons position, her soft breasts cushioning his spine. Matthew's awakening proved a catalyst. Slowly Hannah's hand animated, producing gentle, loving strokes, teasing the downy hairs on a well-defined chest. Matthew sighed contentedly as his nipples were palmed and her breath quickened markedly, warming the nape of his neck. Adjusting, she pushed her pussy forward to brush a buttock whilst continuing to caress purposefully. The stirrings deep in his groin caused Matthew's breath to race too, cock inflating to nudge up from between his thighs. In a stealthy manner, Hannah's hand moved lower, rubbing her son's belly in a circular motion as she pressed tight and administered a featherlight kiss behind the ear. Her lips moved inside to brush her son's neck. At the same time the roving hand lowered further until her wrist brushed the blunt head of a penis that was almost fully-erect by that point. Under the unerring attention, within seconds it was as stiff as Matthew could remember, so hard it was painful. Exhaling lustfully at its rigidity, Hannah took a firm grip of the shaft, wrapping her fingers around expertly and gently easing back the foreskin. The motion took Matthew's breath away and he groaned lusily. As she caressed lovingly her thumb elevated to encircle the bulbous head. Matthew exhaled his pleasure, eyes shut tight as his body experienced wave upon wave of pleasure from the merest squeeze of her palm. His cock end tingled, a single teardrop of precum oozing from the eye. Issuing a gleeful purr, Hannah reached to scoop up the dollop with her index finger. Raising the sticky fingertip to her lips she sucked it clean, the taste lingering on her tongue. As she pressed forward and her pussy made contact with a buttock once more, a dab of moistness rubbed the flesh. --- "Mr Ryder, sir...Mr Ryder...you're home." Matthew looked up, distracted from his revelry by the driver craning around, the limousine stationary in front of the security gates at the apartment complex. Reaching into his pocket he gave the driver a 500-peso tip, the generous gesture met with a heartfelt thank you. Shifting to conceal the rather obvious erection, Matthew strode away. He could barely wait to get inside the apartment and continue the reminiscence, salivating at the mouth. Hurrying from room to room he drew all the curtains, dimmed the lights and swapped the suit worn to dinner for a baggy sports top and jogger bottoms. Never before in his entire life had he looked forward to masturbating with quite so much relish. Though he did have something to aid the process, relieved they hadn't challenged him at customs. It might have taken some explaining. Taking the silver disc from its case he slipped it into the DVD player, settling down to view his leaving present from the girls. "Hi Matthew," resonated Amy's voice from the TV, the picture revealing his youngest sister's pretty face. "Are you missing us already? I hope you are, in a nice way, of course," she added with a beguiling smile. "Yes," he replied croakily to the screen, all these thousands of miles away. Reaching out instinctively to touch her golden hair, he felt only static on the cold screen, behind which Amy was incarcerated. The lens lowered to her breasts, hovering on them. Playfully she lifted the t-shirt to reveal the three piercings that had symbolised her journey from girl to woman whilst in his presence. Matthew sighed deeply. "I love you, Amy," he mouthed to the screen. She made no reply. Next up was Meg waving excitedly at the screen. "Hello little bro, hope you arrived home safely," the eldest sister announced, tears immediately welling up in her hazel eyes. Matthew felt it too, gulping back a lump in his throat the size of a golf ball. "Remember these?" she smiled, pursing her lips into a fishlike expression. "Oh God yes," Matthew replied dolefully. Jo came on next, clearly putting on a brave face. Her message was more sombre. "Thank you, Matthew. Thank you for brightening up our lives. I love you baby brother." She had to move out of sight before she bawled out her eyes. Matthew sniffed away his own despair, struggling too to temper his emotions. "Love you too, Jo," he whispered back. Beth was the last of the girls to appear on the screen. 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2023.03.20 19:27 ThriftStoreUnicorn Remind me of the quality of life full-time flipping offers.
tl;dr: Share with me how flipping lets you have fun in life, and gives you the freedom to pursue your passion or be spontaneous or take better care of your family by being present.
My work-life balance is way off. My SO and I have been hustling really hard the last few years: we both work full-time jobs, I flip 15-20 hours a week, and I work nights and run our ranch during the day. It's really starting to take it's toll. Although that schedule meant we could retire 10 years early, are we going to make it that far? Or are we just going to work ourselves into an early grave? I am considering quitting my full-time job and going back to flipping full-time (plus running the ranch). The financials have been addressed, the numbers are crunched, the financial advisor and tax preparer have been consulted with; I don't need your advice there. What I need is a little encouragement to take the leap from hustle culture and "security" to "uncharted future."
submitted by ThriftStoreUnicorn to Flipping [link] [comments]
My work-life balance is way off. My SO and I have been hustling really hard the last few years: we both work full-time jobs, I flip 15-20 hours a week, and I work nights and run our ranch during the day. It's really starting to take it's toll. Although that schedule meant we could retire 10 years early, are we going to make it that far? Or are we just going to work ourselves into an early grave? I am considering quitting my full-time job and going back to flipping full-time (plus running the ranch). The financials have been addressed, the numbers are crunched, the financial advisor and tax preparer have been consulted with; I don't need your advice there. What I need is a little encouragement to take the leap from hustle culture and "security" to "uncharted future."
2023.03.20 19:26 noxater666 What would be a good enough wage to be able to rent for the next year or two in Manchester?
Hi guys, I'm 31 and only just making the leap into independence after living with my mum since finishing Uni. ( I know I am very late to the party, but it's just what made the most financial sense).
Both me and my girlfriend just aquired new jobs and will be looking to rent a flat in Manchester soon and both of us are making £35k gross salary per annum. Which from what I understand should be around £2200 monthly after tax.
So with the total of bringing home roughly £4400 between us, is this a decent amount to be able to rent a place for the next year or two while we save a bit for a deposit? (We have some savings and some investments, but need a little more).
I understand this is very subjective, everyone lives and spends different, but just wanted a ball park best guess estimate.
Thanks.
submitted by noxater666 to UKPersonalFinance [link] [comments]
Both me and my girlfriend just aquired new jobs and will be looking to rent a flat in Manchester soon and both of us are making £35k gross salary per annum. Which from what I understand should be around £2200 monthly after tax.
So with the total of bringing home roughly £4400 between us, is this a decent amount to be able to rent a place for the next year or two while we save a bit for a deposit? (We have some savings and some investments, but need a little more).
I understand this is very subjective, everyone lives and spends different, but just wanted a ball park best guess estimate.
Thanks.
2023.03.20 19:23 logicalwolf Can I afford to buy a $1.2 million house?
I'm 37 years old and I'm an EM physician making about $300,000.
I live in NY state.
I'm married with two small kids.
We have no student loans.
My wife is a radiology tech but she only works 1 day a week, and stays home to take care of our two small children most days. When the kids are older, she may go back to work part time, working 3 days a week at about a $30/hr salary.
Between the two of us, we have $1 million in savings accounts. I also have about 500,000 in retirement accounts.
We've been searching for our dream home for a long time, but can't find anything we like, so we would like to build our dream home. However, the problem is building a home is very costly. The home we would want would probably cost about the 1.2-1.3 million range.
We almost have enough savings to buy the house outright, but can we truly afford this? Property taxes in NY state are very high and would probably be about 40k a year which is what I am scared of. We are renting a small house from my wife's parents right now, and we would eventually need to buy a house, I am mostly wondering if a 1.2-1.3 million dollar house would be a reckless financial decision in our part, or should we "settle" for a smaller house in the range of 700-800k.
I personally would really like to build the 1.2-1.3 million dollar house, but my wife tells me that I am dreaming too big, that I think we are "richer than we actually are" and that she needs to "bring me back down to reality."
Thanks for your time.
submitted by logicalwolf to whitecoatinvestor [link] [comments]
I live in NY state.
I'm married with two small kids.
We have no student loans.
My wife is a radiology tech but she only works 1 day a week, and stays home to take care of our two small children most days. When the kids are older, she may go back to work part time, working 3 days a week at about a $30/hr salary.
Between the two of us, we have $1 million in savings accounts. I also have about 500,000 in retirement accounts.
We've been searching for our dream home for a long time, but can't find anything we like, so we would like to build our dream home. However, the problem is building a home is very costly. The home we would want would probably cost about the 1.2-1.3 million range.
We almost have enough savings to buy the house outright, but can we truly afford this? Property taxes in NY state are very high and would probably be about 40k a year which is what I am scared of. We are renting a small house from my wife's parents right now, and we would eventually need to buy a house, I am mostly wondering if a 1.2-1.3 million dollar house would be a reckless financial decision in our part, or should we "settle" for a smaller house in the range of 700-800k.
I personally would really like to build the 1.2-1.3 million dollar house, but my wife tells me that I am dreaming too big, that I think we are "richer than we actually are" and that she needs to "bring me back down to reality."
Thanks for your time.
2023.03.20 19:08 supinator1 Is there any difference in costs and advice when seeing a financial advisor who is a SmartVestor Pro depending on if you found them on your own compared to if Ramsey Solutions referred you to them?
Do SmartVestor Pros set you up with investments with higher fees or commission if they have to pay Dave a referral fee or do they treat everyone the same and eat the cost of the referral fee. Are SmartVestor Pros fiduciaries?
submitted by supinator1 to DirtyDave [link] [comments]
2023.03.20 19:08 supinator1 Is there any difference in costs and advice when seeing a financial advisor who is a SmartVestor Pro depending on if you found them on your own compared to if Ramsey Solutions referred you to them?
Do SmartVestor Pros set you up with investments with higher fees or commission if they have to pay Dave a referral fee or do they treat everyone the same and eat the cost of the referral fee. Are SmartVestor Pros fiduciaries?
submitted by supinator1 to DaveRamsey [link] [comments]
2023.03.20 19:07 FireBreather7575 Private Equity Access for 6 figure investment
My wife and I are early 30s with a NW of 5m (~1m of equity in home). We both work in PE and combined earn 1.5m, excluding carry, which will start paying off in the near term. To-date we've mostly just plowed investment dollars into the market through the various basic investment vehicles (taxable brokerage, Roth / traditional 401k, 529), in addition to a required allocation in our own funds.
I am interested in potentially increasing our allocation to alternatives (and want to do outside of our own funds due to concentration risk). We have some exposure to real estate syndications but really want more access to PE or VC. Given our NW and our desire to remain diversified, my goal would really be to commit ~500k of capital (hopefully split amongst two or three funds).
How do I get access to PE/VC at this level? Is it through financial advisors pooling clients' money? Right now we self-manage and want to continue to do so. Any other methods? Obviously 500k is small for large firms but I would imagine that LMM funds, even those that have a track record, take investors starting at 250k?
Thank you
EDIT: A few comments of confusion that we work in the industry but don't know how to access it, which is fair. We work in a very narrow scope (and asset class) and focus solely on acquisitions / deploying capital on behalf of managers where the minimum check is $10m+ where the vast majority of the investors are pension funds. We honestly don't know how to access funds that have minimum commitments of 250k.
submitted by FireBreather7575 to fatFIRE [link] [comments]
I am interested in potentially increasing our allocation to alternatives (and want to do outside of our own funds due to concentration risk). We have some exposure to real estate syndications but really want more access to PE or VC. Given our NW and our desire to remain diversified, my goal would really be to commit ~500k of capital (hopefully split amongst two or three funds).
How do I get access to PE/VC at this level? Is it through financial advisors pooling clients' money? Right now we self-manage and want to continue to do so. Any other methods? Obviously 500k is small for large firms but I would imagine that LMM funds, even those that have a track record, take investors starting at 250k?
Thank you
EDIT: A few comments of confusion that we work in the industry but don't know how to access it, which is fair. We work in a very narrow scope (and asset class) and focus solely on acquisitions / deploying capital on behalf of managers where the minimum check is $10m+ where the vast majority of the investors are pension funds. We honestly don't know how to access funds that have minimum commitments of 250k.
2023.03.20 19:06 Relevant_Extreme_258 Commonapp Essay Beg to be Advised
Hi! I'm a freshman applying right now. recently my mother has been diagnosed cancer and severe depression, I asked to extend the deadline and most schools agreed, so I'm still working on my application now!
With that being said, I still aspire to get into these schools as much as you guys want to! Due to the financial stress in my family now no essay advisors would have me. But I really need guidance!
If you could take just 5 minutes and read my essay, and tell me how do you think--it would mean the world to me! Please direct message me if you like to! Thank you!
Good luck to us!
submitted by Relevant_Extreme_258 to TransferStudents [link] [comments]
With that being said, I still aspire to get into these schools as much as you guys want to! Due to the financial stress in my family now no essay advisors would have me. But I really need guidance!
If you could take just 5 minutes and read my essay, and tell me how do you think--it would mean the world to me! Please direct message me if you like to! Thank you!
Good luck to us!