FA

imaguy81

you clowning bro, and you know sweet FA about Apple. Bitch please. Bronies be buying that Apple shit up all day. It's safer than your virginity. Pump that MF up. PEACE!

Next_Possibility2091

I picked up FA @ $14.51

crazybutthole

>You are wasting most of the $2500 a year. The one exception is if the FA is giving him great tax advice - he could save way more than $2500 per year. I did destroyed this guys returns the last couple years - but I wasted more than $2500 in taxes in both 2020 and 2021. \*(yay gains)

crazybutthole

> on what $1000 invested Jan 1 2018 would look like today If he also invested the $2500 he gave the FA each year into VTI, it would be more like $17K today

Final_Location_2626

Just vanilla Spy ETFs, no puts or calls. I started my career as a series 7 FA. And I saw a bunch of people become millionaires from day trading, the only problem was they were multimillionaires when they started. So I decided to keep it boring unless there's an arbitrage.

cstoner

Coinbase actually reimbursed them in this case. It sounds like there _was_ something fishy with the 2FA setup when using SMS that made the attack easier. But still, at the end of the day it was the result of a phishing attack.

GetPaidGetPape

FO FA FO with a strawberry lemonade and a chocolate frosty pls and thank you

ghostwriter85

>I guess I just thought a financial advisor was someone who made smart investments on your behalf to beat the baseline. ... no. A good FA orients your portfolio in a way that aligns with your needs, ensures that you are aware of your financial needs (like insurance), and helps you navigate the system (cough taxes cough). They aren't there to justify their fee with increased performance. You should run from any FA that promises this directly or indirectly. Anyways my $0.02. You don't need an FA to invest in a 401k or a roth. Just buy a target date fund (or similar) and call it a day. If you get $2500 worth of non-investing financial advice, then stick with the FA (and convert everything into target date funds or equivalent... unless they can sell you on their plan) Chances are, however, if you have no investments outside of tax protected accounts, and you aren't going to retire any time soon, you don't have a ton of need for financial advice.

computery_stuff

I think a lot of FA investors don't do short tbh. Good luck to you too!

gravityapple

Ya the bond market route is particularly tough. If you’re American you can buy inflation protection bonds with 15k for each family member. Canada has fuck all like that. I’m an all equity guy myself for now. Pimco is the most reputable bond firm, you could pick a fund from them. You could also ladder some target date funds based on when you need income. I’m not an FA. You might need one. Get one who will sign a fiduciary contract

ttown2011

Liverpool. But watch out they played the FA Cup final to penalties yesterday. Game to stay away from

srk828

My dad is a retired FA. Did it for 20+ years and got tons of industry accolades. He moved to 80% cash back in February…..

yigmaw

>Current Ratio < 1 > >EPS (Earnings Per Share) < 0 > >Last Trade >=$1 per share > >TradingView TA is a 'Strong Sell' rating > >Options trading must be available Also the "criteria" here is putting a lot of faith in however TradingView rates stocks. OP mentions they've been doing FA research, but if this is the only criteria used, in what sense is it analysis?

GroundbreakingLynx14

Interview with CEO Miguel Martin: https://www.bing.com/videos/search?q=%231+medical+cannabis+canada&docid=608029874646632497&mid=37D251313CD19FA768CF37D251313CD19FA768CF&view=detail&FORM=VIRE

-C20H24O3

Anyone watching the Liverpool v Chelsea FA Cup Final? Any ~~soccer~~ futbol fans in here?

Crafty-Dragonfruit60

I use kucoin. Not FA but this thing has literally no value right now so it’s just being pumped and dumped.

10xwannabe

Is your FA a fudiciary? How are they paid? Are they AUM or hourly? Did you reach out to Vanguard FA (personal advisory group) to see their opinion? Are the choices he/she is making in low cost index funds? Any front or back loaded funds? Any with 12b-1 fees? Any other charges? How often do they trade turnover? What asset allocation? Any active management? You have to be careful a couple that has $5 million dropped in their lap (no financial knowledge) to a FA is like a hungry dog eyeing a steak left out unguarded.

wrsndede

You should be her FA.

Dura112

Uh oh. Email from MIL's FA: (paraphrased) Please stop withdrawing, I'm fuct.

swistak84

Doesn't matter if identity management is Okta's only responsibility if they are trash at it (and they are). In one of companies I know they use Okta but everyone still uses Authy (from Twilio) because it's just better 2FA app. Twilio APIs, documentation, are excellent too. So they have talent to expand (possibly due to those generous stock compensations)

swistak84

If I were their CEO I'd look into extending into identity management - they already have excellent base for it with Authy and how they handle a lot of 2FA. They could easily eat Okta's lunch. Telecoms get minimal amount of their revenue. it costs \~4p in UK to send a text with them telecom gets 0.5 of that pence, maybe. They even charge for receiving texts which is free in Europe. I worked with text message solutions provided in the past (not Twillio), any money they make is essentially a pure profit. So you're kinda correct in that they can't increase margins, because those margins are already 80-90% on almost all services they provide. Organic revenue and growth (besides a good product) is actually what I like about them, baring some absolute disaster I really can't see how they could fuck up so badly that customers would start to migrate out. Unlike Shopify which IMO is a victim of the "platform" mindset. Where they thought they'll just provide a common API and let everyone else solve their problems. That's until they discovered that taking 30% of a platform fee is shit when you could take 100% for providing an actual solution to a problem.

WunderwaffeDG-5

Guys if we all buy one share of SPY tomorrow, we can kill the bears >:) not FA

Matcheezle

>off some shit called a “SUPER HAPPY FA its "super SUPER happy face" put some respek on his name

jetgeek_99

Or talk to an FA...😆 u/loose_ventures

jetgeek_99

I cannot tell u the number of stories my FAs have told me over the years about using grinder...10 times out of 9 they find another FA same airline. The stories are great. As soon as I get some $$$$ I am fucking all in it. Short term long my opinion....

st0cktalk

First Advantage: FA is the background check company I've been talking about. They typically jump drastically on good news. Their call is on the 11th

VinnieMacYOLO

I think holding it is not only the best ootion, but letting go could be a bad idea. My logic: So if the idea that shorts have to cover because otherwise they'd be stuck having to pay out the TYDE dividend themselves is true (for this this idea, we'll assume it is) letting go off your TYDE could ruin the whole thing. There's only gonna be so many shares of TYDE created. If there is actually truth to the idea that more shares are out there than supposed to be (due to dark pools and synthetics), then where are the extra TYDE shares gonna come from? The shorts need to either buy back your BBIG so there's no longer a need to give you a TYDE, or they will have to buy someone's TYDE in order to pay out what's owed I know people probably thought they would just cash out TYDE as a profit taking strategy instead of letting going BBIG, but I think they may be a bad idea. If everything we believe to be true is in fact true, the best idea is probably to hold both I eat crayons, not FA

Doy5

Yep any referral in the business comes with some sort of financial incentive for the company. Not to mention, if one was in this case to transfer their money to a Fidelity FA…. 1.) it raises Fidelitys AUM 2.) If they park your money in their ETFs/Mutual Funds, they can double dip fees in a sense (your regular 1% management fee, along with Fees that their ETFs/Mutuals Funds collect as well. Some Mutual Funds can come with a very hefty upfront/load fee

ThisKarmaLimitSucks

Long term, the endgame is still inflation into Western world bankruptcy, which will have stocks and houses rip out of sight first. Interest rates can only go to about 2% before we start getting soveigrn debt crises, which is totally insufficient to fight 20% inflation. Inflation will burn chronically for probably a decade and there is FA that central banks can do to fight it. It's just structural at this point. Tldr, hodl your stocks boys.

freddie54

Anyway these talks can be recorded to be replayed later? I’m on a flight and the FA is about to yell at me ….

carbsno14

What incentive does a FA have at say Fidelity to push a client to use a small Fid approved financial advisor form at 1% a yr. I'm guessing a check for every client they send over.

SnowBoarding-Eagle

There’s some interesting things about the fed reserve https://educationcenter2000.com/killingthebeast.htm mind the link, but make sure you know what’s going on with your assets wherever they are held and potentially DRS to ensure they are in your name to help with risk of hyper inflation and unreliable holders of assets. Maybe even buy a gram of gold. I’m not a FA do ur own DD. But be prepared for the worst and also the best. There will always be opportunities

Character_Crew9162

Its proven that FAs don't do as good of a job as ETFs. Don't talk to a FA!. Just take all the classical advice to begin. Invest in companies you know. Be greedy when everybody is fearful..., don't take financial advice from strangers on Reddit, etc...

Dura112

FA is a scam. Run your own money.

Sterling_Gid

If you find this book hard to read, I’d recommend brushing up on your fundamental analysis basics first before moving on to any. Besides, all good investing books would recommend FA so it’s better to begin with that.

b0jjii

Hypothetically if vix is back to 30 at which point should said person go long? Not taking your reply as FA all theory

computery_stuff

Pro-tip: if the financial advisor doesn't charge fees, you are the product not the customer. if the financial advisor does charge fees, you still should ask them directly to disclose if they are getting paid any bonuses now or in future etc from anything they recommend. and take a note of their words. having said that a LOT of people on WSB right now would have better happier lives if they used a competent/honest FA to help them get the right balance between investing and yoloing...

cyberskrimps

What was someone following up on FA First Advantage?

davidt1600

On FA background check our company Yoy has almost doubled hiring cost while we don’t use FA it is clear the background check and hiring related cost are going to continue

st0cktalk

FA

xxcad

FA

ItzPoppaSquat

Long FA

Banana_banana666

I think people like you who don’t have a license to give FA need protection :/

Patrickstarho

Just make sure you enable 2FA.

Drug-Lord

SMS is not proper 2FA. A separate authenticator app is. Simjacking is a thing. Rare, but it does happen.

dodecohedron

this is the most valid concern yet mentioned here. For a brokerage which may be holding onto six or even seven figures for any given individual, there should be more 2FA options than drinks at Starbucks.

RedditMapz

It is still 2FA. the meat secure version of it for sure, but still a security improvement

greytoc

I think of it like trying to find a doctor. You kinda have to just talk with a few different people so see who clicks with you. And if they have the right experience for you. You could also ask friends and colleagues if there is someone that they use. One option also is to look at some of the retail brokers that have FA services - maybe Fidelity or Schwab. Or look at RIA and FA servicers like LPL and see who's in their network.

DiceGames

Same. 2FA* ∞

weedmylips1

They have other ways too, not just text. You can get a security to that requires you to insert a USB into your computer to allow you into your account. Thats 2FA right? On their security page they have multiple ways to secure your account

NeitherDistribution0

SMS verification is insecure. TOTP 2FA is a big improvement on it.

Drug-Lord

It's garbage 2FA. Text messages are not secure and easy enough to hijack if you have someone that is truly dedicated to breaking into your account.

StonkGnak

I'd be surprised if that counted as two factor authentication. I think the industry considers 2FA any login that requires two different devices/methods, every time. ...not just when your machine isn't recognized.

weedmylips1

Whenever i login to vanguard from a device i haven't before it sends me a text to confirm. Isn't that 2FA?

ty88

It's *OK* for investing. We tolerate it. They should learn how to set cookies on login (use a date far in the future) and offer better 2FA. I have to click multiple times, text myself, enter code, every single time I log in to the website. No way to complain, apparently. No doubt, somewhere along the line, they understood that to get *new* investors they needed a decent website, but screwed up. Maybe they hired someone's brother in Valley Forge, maybe they just committee-designed it to death, but as the comments here show, the redesign is just about as bad as the previous site.

Eternal_Inflation28

If you go with an FA, ensure he/she is a fiduciary. You can also look at brokercheck for any fines or disclosures against the FA

Drug-Lord

So boring that they don't even support proper 2FA. Honestly, it feels unsafe. I'm thinking about transferring to be honest.

FallujahVet

If this auspicious Subreddit will sponsor me, then I will go over to Ukraine to fight and prosecute this war against Vovochka Putin in person. For me, it is personal. I will wear a WSB patch on my armor out of gratitude. I was military intelligence, not an infantryman, but I can set an ambush for Russian tanks. I can learn to operate that Javelin & NLAW. I am, however, very fucking poor. I need a passport again. I would need to travel from Western USA to Washington DC to apply in-person at the Embassy of Ukraine. I would need lodging in expensive DC while I get my passport and visa in order. Then I would need a plane ticket to Europe. Probably all the gear, all the kit I need is already in theater in Poland and Ukraine, so no expenses there. This Subreddit was at its best when GME apes were buying Nintendo Switches for sick kids in hospitals. That was really beautiful, that was WSB at its best: altruism and charity from capitalists. Sponsor me, and I will go over in person to add what I can to the fight. I will seek to bring honor to USA and our Subreddit. Serious offers only, please. Thank you for your time and consideration. Слава Україні! Героям слава! Pal-ya-nitz-sa. Pal-ya-nitz-sa. Palyanitzsa. Music: Red Kalina by Andriy Khlyvnyuk & The Kiffness https://www.youtube.com/watch?v=lu8m5FA2nL8

Baryon-Sweep

The majority of red states either didn't shut down or were open in a month. Daddy T forced the working class back to work anyway. Granted, this has FA to do with inflation, which was started by the R party giving massive tax cuts to businesses, who historically have contributed next to nothing in federal income tax. In addition, these fiscal geniuses literally handed out $2.2 Trillion to businesses, which they call "job creators", that never has to be paid back.

kebertxelag

Depends on the stock you’re averaging down on, I’ll be averaging down on FA(Nvidia)G. History is on the bull’s side.

TannerBean123

Stocks ATH was 43, and at the time of the pop it was in a less favorable position as a company AND the squeeze numbers we are looking at are even stronger. My tempered opinion of the price realistically in the short term is a solid mini squeeze up to the 25 range, with the potential to blast record all time highs above 75 very easily with how much shit is being covered up here if the lid gets blown off. However, this is going to take a considerably bit of volume and more retail to move into the ticker off bag holding stocks like I suggested in the original statement. Not FA, just my opinion

TannerBean123

The way I see it we have a double bull thesis, but it's not all sunshine and rainbows unless we unite. Bullish 1 - squeeze play : We all know the numbers don't lie. 100% utilization for multiple weeks straight, CTB average through the roof, FTD's piling up (can't wait to see the numbers tomorrow) and SI % of FF in high 30's and low 40's constantly. This stock is primed for a squeeze and has been. The float has been locked up and being so small relatively at 26 mil, the amount of subversion we have had for months is making this primed for actually moon time. 5 dollar a share buy in for a chance at 10x-25x return? Not to mention if you play options right it can be so much more. The big downside? The one downside that haunts all squeeze retail plays? Sunken cost fallacy. Too large of a % of retail is holding their capital in plays that aren't ATER. And I get it. I'm in the same boat as a ATER investor, been in for months and I would be hard pressed to move money out of it cause I'm convinced it's the play. Too much of retail is down on AMC or GME or whatever ticker they are in and are afraid that if they sell for a loss then that's it, it's over when it was just about to blow and rocket to the moon. The one difference between ATER and some of these other tickers that people are bag holding onto with hopes however, is that ATER can not only just be a squeeze play of the year, (maybe ever the decade) at the numbers we are looking at, but it can also be a valuable long play. Bullish thesis 2 - valuable long play : Look at their recent earning reports. If projections are correct they are about to have 3 straight quarters of high growth and profit margins. They have effectively eliminated most of their debt, and navigated their major shipment cargo issues by closing a deal with Amazon. The company's niche in the e-commerce market is a AI algorithm that detects and finds undermarketed items for acquisition or rebranding and then turns them into major brands for global distribution. The company has just been onboarding new management, and not to save a sinking ship like happens most of the time with new leadership, but to help push ATER's influence to even wider markets and all time highs. The bottom line is that the company has a very promising future, unlike some of the stocks you are bag holding onto and praying for. None of this is FA, just an experienced retail trader wishing more would recognize this golden opportunity to make some serious profit, but also to stick it to the MM and HF that fuk us over each and every time. Even if the squeeze doesn't happen, you would get onboard of a valuable stock that is already criminally priced near book value. And if the squeeze to the moon does happen? Well then see you later in your Lambo boss. Stay strong. Invest smart. And I wish you all the best.

jetgeek_99

We have a union bc when we make a mistake everybody dies, FAs make a mistake, it's a dry cleaning bill. Said that out loud 2 my FA crew and it was a very long and lonely flight...even the captain was pissed at me...

wtfplane

If we look at tech stock valuations vs the global money supply they are not nearly as overvalued as the dotcom bubble. But I’m optimistic we can get to that level of tard eventually. I learned this all this on a YouTube crypto channel too didn’t check his math I’m sure it’s good though not A FA

DodgeChargerRT

Is this FA? 🤨

ApprehensiveCake8927

$ATER , don't be late or you'll be mad, not a FA but I bought 500 shares..

startupthrowaway2000

I talked to my FA today fwiw, and they think it's going to drop 15-20% by end of year into Q1 2023.

notausernameisit

Admittedly there's a lot of excitement so some members went too crazy with the emojis. However, there is a lot going for ATER. As others have mentioned, there's already DD done that explains the set up, the numbers, etc. FTDs are being announced this week as well. For me, the most compelling thing was seeing the shortsqueeze sub get nuked right as ATER was having a runup. You can go there now and it is creepy af because it's basically a broken sub. That along with the fact that people's ATER dd was being deleted on that sub before it got nuked, someone really didn't want people hearing about ATER. As always, not FA and you should do your own DD. Thankfully, the community has done a lot of it for you already :)

Tech_Priest16

It’s not the best out of the defense companies, Lockheed Martin would be a better pick. Although right now may not be the best time to buy given it’s likely to be somewhat inflated due to the war/sentiment. A big think to consider would be who has the NGAD/FA-XX program primarily

Firebendeer

Well, well… if it isn’t the FA(A)G

FickleCar

Earnings are not until May 11 so focus on shorting FA*N*G this week.

KOBA-fight-4-Ape

...little red riding hood https://m.youtube.com/watch?v=_FA85RO89HA

Unitedtendies

When Nio goes to $14. Thats when you should sell your mom and buy calls with proceeds. Not FA

ReedB04

I created my own portfolio because my FA wouldn’t incorporate crypto. In the last two years my Fidelity account is up close to 100%. My own portfolio is up 300% +. I guess the proof is in numbers.

getwiditfoo

Most retirees make their income off boomer stonks, thus they hold til death or beyond if they pass down to family. (Speaking from experience as a FA in my previous days)

ATSCoupe

will be 64 y/o next week. no debt, moderate fund-based portfolio, 49% equity.. watching NAV erosion of bond funds and hearing dire forecasts of a bear bond market, how bonds are no longer offering protection in a traditional buy/hold pre-retirement portfolio. Occasional hourly advisor recently recommended adding to VCSH and making no adjustment in overall bond holdings... Floating Rate, ST Treasury, and most concerning to me VGIT (intermediate) as well as Munis (BABS) NAV losses on a seemingly certain path to continue. FA asserts i need bond funds as “insurance” in event an equity crash.... seeing commentary suggesting Bonds will continue to lose value and move in tamdem with lower equity performance rather than higher given the rising interest rate scenario - currently down 5% YTD ...Port. generates abt. 49k/year in dividend income with present AA. Am i wrong to stay the course - to use thst hackneyed old phrase...or is it a no-brainer to exit or greatly reduce bond fund positons? Appreciate any thoughts,

thirteensquare

Okay, so I have some insight into this.. Don't quote me on all this because things change often and each FA has their own abilities.. I have a PCL (Priority Credit Line) through WFA that is collateralized against a taxable brokerage account. It is a line that gives 60-95% of collateral value depending on the types of assets (more risky = more collateralized to protect them from loss). It's rate is tied to your AUM, and can be less than Prime. There are no payments due ever (unless you go over your limit and need to fix your collateral ratio I assume). Interest is added monthly. There was no credit check, just signed a form with the FA, and it showed up online within a few days. I was looking for other institutions that had similar offerings, and was able to find that HSBC has one, and Coinbase has something similar for that market as well. I believe the minimum reqs for the WFA one is 250k, and the HSBC one is 1M? It could have changed thought and I don't really pay attention to that stuff. There are lots of good use cases, the only rules for these are that they cannot be spent on investments (because that would be a margin account). I've seen people by properties, businesses, etc. It's more for cash flow typically, but it could easily be used as a buy borrow die strategy. The idea there is to have proper life insurance coverage so that the inheritance isn't taxed like the amounts you would have given from assets (instead of insurance). Hope that all makes sense!

carbsno14

Thanks. Fid is going to email me a questionnaire to set up an apt with a FA. It might take a few shots to find the right fit. What are your thoughts int rates? Did you put any money in a bond fund like (SCHP)

klykerly

I’m embarrassed to post how much I’m paying my FA every damn month, and for what. So the nerds at the home office can put me in ETFs. I started with enough to get the discount rate of 1% of AUM, but beyond never having to think about it, is it worth 5-6K a year? For the last 4 years the funds they’ve put me in have beat the S+P, but %-wise, my own purchase of NVDA has beat them the last two years. I should rip the bandaid off.

st0cktalk

FA

Inside_Blood_4791

$FA

schnaser

Oddly enough, TD's 2FA is one of the most absurd I've seen. jXpxjDtD 8 character case sensitive OTP. The hell. Six digit number isn't enough?

dayk995

Sure. But this means they’re validating password in uppercase which is less secure. Also 2FA exists now. There’s no need for this.

KOBA-fight-4-Ape

I'm out there ... https://m.youtube.com/watch?v=_FA85RO89HA

Eaglecrest2018

Q2 is historically the best quarter for fertilizer companies due to the growing season. Everyone who follows this space is gonna know that and going to be very interested in this earnings report. Not a FA, but I’m highly interested in what’s about to happen.

veritas723

eh... not really. it's assholes like this that read ann rand novels... and get those shitty Galt bumper stickers ["an individual"](https://cdn.britannica.com/77/160477-050-FA3D5997/Paul-Ryan.jpg?w=400&h=300&c=crop)

MistaMastaLoKey777

Bro, just got with it... none of this is FA... casino is open tomorrow after 3 MF days and I am a little on edge.. let me do my thing...

DiscoEthereum

Getting your bank account emptied also goes unnoticed. You check to make sure your phone is working every few minutes, even while you're sleeping? Only takes a few minutes if you're using your phone number as your 2FA. Doesn't matter how quickly you notice when they've already got what they need.

Rjsbklynny

As for the annuities, the FA's commission can vary if the annuity is fixed, variable or a one time lump sum annuity. Annuities have the same feature as retirement products since you can't withdraw without a penalty unless you're 59 1/2 years old.

ChipsDipChainsWhips

2FA

JackAhler1

I rather listen to someone on here for FA then Mango Man who can’t run a successful company to save his life