A Telling Sign for EJ?
http://www.shelbynews.com/main.asp?SectionID=1&SubSectionID=93&ArticleID=60615&TM=61345.32
Very sad story. Another FA trying to kill himself. Jones Link. http://www.edwardjones.com/en_US/fa/index.html&CIRN=611058I feel bad for the guy.
I don’t care who the guy works for, why would you feel the need to post a link about this story? Why would they even need to have that story in their newspaper?
Because it is called news…which is a form of entertainment… they no longer report facts because no one is interested in that… similar to the reason why Jerry Springer was a hit show…
Changing the subject from this poor shlub …
Weddle was asked this weekend about an Seg. 3 FA who was ‘coasting’ – working a couple of days a week and using his BOA to cover the office the rest of the week. W. said that he wished he knew who the advisor was so he could either a) encourage him to reach his ‘full potential’ or b) ask him to seek other employment.
Working two days a week and making 90k a year is basically my life’s ambition, so this was disquieting.
That is a sad story. I bet he used a lot of the Founding Funds strategy.
Look at the posters forum topic. A telling sign… This scumbag has such an axe to grind he/she does not care who else is ground up in the process.
[quote=buyandhold]Changing the subject from this poor shlub …
Weddle was asked this weekend about an Seg. 3 FA who was ‘coasting’ – working a couple of days a week and using his BOA to cover the office the rest of the week. W. said that he wished he knew who the advisor was so he could either a) encourage him to reach his ‘full potential’ or b) ask him to seek other employment.
Working two days a week and making 90k a year is basically my life’s ambition, so this was disquieting.
[/quote]
ytrewq - I agree.
I don't know why anybody would post that. I can't believe they called him out in the article. If he survives and gets through therapy, who is going to want to do business with him. His career is shot.notwithstanding the utter shame that this thread deserves, i thought EDJ guys ran their own business? the guy clearly is profitable, in segment 3, paying his bills to the firm and on the homefront, let him be. i remember being at the seg 3 class (can't remember the name) and having Cahill tell the group "once you hit segment 3 you can work as hard as you would like. if all you want is $100k/year, more power to you, if you desire segment 4 and more income you will get alot out of this class." just wondering what has changed lately at edj.Changing the subject from this poor shlub …
Weddle was asked this weekend about an Seg. 3 FA who was ‘coasting’ – working a couple of days a week and using his BOA to cover the office the rest of the week. W. said that he wished he knew who the advisor was so he could either a) encourage him to reach his ‘full potential’ or b) ask him to seek other employment.
Working two days a week and making 90k a year is basically my life’s ambition, so this was disquieting.
[quote=Moraen]ytrewq - I agree.
I don't know why anybody would post that. I can't believe they called him out in the article. If he survives and gets through therapy, who is going to want to do business with him. His career is shot. [/quote]I don't know. Small, Southern town like that -- if he parlays this right, maybe starts wearing a straw hat and leaving a bottle of Wild Turkey on his desk and establishes himself as a character, it might even HELP his business.
Well, you have to put it into perspective. I doubt the guy is at the "top end’ of seg 3. Let’s not forget the range is 15k - 27K per month - a big range. And also keep in mind that you could “hit” segment 3 one month, then never do segment 3 numbers again, and still be in segment 3. There’s no way he hit segment 3, and now works just 2 days per week and does any meaningful amount of business. If he had hit segment 4 or 5, then yes, maybe it could be done if he had built his assets up. If the guy was really doing 100K net, Jones would be fine with that. But I would wager that he was doing more like 150-180 gross.
I think the BOA's point was that the guy was a total slacker and not doing much business. And Weddle's point (and he was not given all the facts) was that segment 3 was no place to start slacking off and only coming into the office twice a week. I sort of have to agree with him. This is where I actually fault Jones sometimes. They have a process in place where total losers could squeek by after years and years being barely profitable. These are situtations where it actually makes much more sense to just go indy. At a wirehouse, you would be fired for staying at Jones' seg 3 numbers (low seg 3 numbers). The economics just don't work to let someone at a "captive" firm (i.e. Jones, wire, etc.) coast with real low numbers.[quote=B24]Well, you have to put it into perspective. I doubt the guy is at the "top end’ of seg 3. Let’s not forget the range is 15k - 27K per month - a big range. And also keep in mind that you could “hit” segment 3 one month, then never do segment 3 numbers again, and still be in segment 3. There’s no way he hit segment 3, and now works just 2 days per week and does any meaningful amount of business. If he had hit segment 4 or 5, then yes, maybe it could be done if he had built his assets up. If the guy was really doing 100K net, Jones would be fine with that. But I would wager that he was doing more like 150-180 gross.
I think the BOA's point was that the guy was a total slacker and not doing much business. And Weddle's point (and he was not given all the facts) was that segment 3 was no place to start slacking off and only coming into the office twice a week. I sort of have to agree with him. This is where I actually fault Jones sometimes. They have a process in place where total losers could squeek by after years and years being barely profitable. These are situtations where it actually makes much more sense to just go indy. At a wirehouse, you would be fired for staying at Jones' seg 3 numbers (low seg 3 numbers). The economics just don't work to let someone at a "captive" firm (i.e. Jones, wire, etc.) coast with real low numbers.[/quote]I wonder if the BOA rats him out -- she will if she's a paid 'spy.'
[quote=B24]Well, you have to put it into perspective. I doubt the guy is at the "top end’ of seg 3. Let’s not forget the range is 15k - 27K per month - a big range. And also keep in mind that you could “hit” segment 3 one month, then never do segment 3 numbers again, and still be in segment 3. There’s no way he hit segment 3, and now works just 2 days per week and does any meaningful amount of business. If he had hit segment 4 or 5, then yes, maybe it could be done if he had built his assets up. If the guy was really doing 100K net, Jones would be fine with that. But I would wager that he was doing more like 150-180 gross.
I think the BOA's point was that the guy was a total slacker and not doing much business. And Weddle's point (and he was not given all the facts) was that segment 3 was no place to start slacking off and only coming into the office twice a week. I sort of have to agree with him. This is where I actually fault Jones sometimes. They have a process in place where total losers could squeek by after years and years being barely profitable. These are situtations where it actually makes much more sense to just go indy. At a wirehouse, you would be fired for staying at Jones' seg 3 numbers (low seg 3 numbers). The economics just don't work to let someone at a "captive" firm (i.e. Jones, wire, etc.) coast with real low numbers.[/quote] Let's really put it into perspective. The Segment 3 guy hired the BOA and is her supervisor yet SHE is going to say he is a slacker. That's where the model starts to breakdown. I heard the same speech in Visons class when I was in there.... You can't suddenly decide to change the culture because if you were at a wirehouse you would already be fired....Personally it all goes back to the hiring process,you know some hires are absolutely comfortable at that 80-100K level and you knew it when you hired them. You can't expect some sort of Tarsus road experience. One of the reasons I left is when I interviewed a potential candidate and told the home office do not hire this guy...They hired him and gave me credit for the hire. It was time for me to leave.....Noggin, I see what you are saying. But my point was that I think the reason this BOA was actually writing in was that the guy was probably more of a slacker than we would assume. If he was doing 25K a month working two days, it’s no big deal. But if he’s doing 10-12K, working two days a week, and she is twittling her thumbs, is that REALLY a good use of resources? I know it’s sort of a dilemma, because as long as you are hitting the minimum, they will leave you alone. But we are a partnership, so every slacker affects everyone else’s bonuses, profit sharing, etc. It’s not like the guy is just taking Friday’s off. There are plenty of people working much less than 40 hours. And nobody at Jones cares, as long as you are hitting your numbers. I don’t think anyone is trying to change the culture, just inject some reality and balance. It seems to me that there was never a time where the Managing Partner of the firm would be pleased to be hear about a seg 3 guy working 2 days a week. You can spin it how you want, but lets be realistic.
You guys left out the best part! I think this may also shed light on this guys production… When the BOA runs out of things to do for the week (judging by her sugg, i’d say its about 10:30 monday morning), she asks the FA what he needs her to do. He simply responds, “Bring a book with you and read during the day.” I’m sorry, but there is NO WAY this guy is doing SEG 3 numbers anymore. 65% of seg 2 and 3’s in my region are BELOW standard right now. Including the seg 3 guy, who’s been seg 3 for EIGHT YEARS.
This guy probably sucks, but if he's profitable, I'm not going to complain. Even LP's can't scream to loud if he's covering the bills at the office everymonth.To be clear - the guy in the article and the guy who is working 2 days a week may or may not be the same guy. I’m guessing they aren’t. I agree that if he can be profitable working two days a week, great. At least he’s not dragging the LP down. The BOA in the suggbox wire did say that he’s relying on his few large accounts to pay the bills. Maybe he’s got some big fee based accounts or something that creates recurring revenue for him that allows him to only work a couple of days a week. Who knows. If that’s the case, he’s screwed if those folks ever decide to leave him.
ManOnTheCouch - you're an idiot. Shame on the Shelbyville newspaper who printed the article and shame on you for inferring that this guy's issues are directly correlated to EDJ. I'm curious what you think is so "telling" about this situation and EDJ.I think an argument can be made that a BOA isn’t even needed until you are consistently doing 20k gross. So what is the purpose outside of a pair of eyes to watch over the FA.
Someone to answer the phone while the broker is supposed to be out of the office meeting people. Getting an answering machine at 10:00 am isn’t professional.
One of the main reasons for having the BOA is to establish the relationships w/ the clients so when the broker leaves or gets fired many clients will stick around.
I agree...but that is part of the pitch "we have people here to take care of you if the FA is busy".. My boa did crosswords puzzles and that wierd japanese number game all day..I think an argument can be made that a BOA isn’t even needed until you are consistently doing 20k gross. So what is the purpose outside of a pair of eyes to watch over the FA.
Do they make answering machines anymore( i thought it was just voicemail til jones sent me one in the mail). Getting voicemail isn't unprofessional. I have a friend who works at a wire and if he isn't available they don't take a message they put you to his voicemail. Not calling back within a specified time is unprofessional.Someone to answer the phone while the broker is supposed to be out of the office meeting people. Getting an answering machine at 10:00 am isn’t professional.
I think this is the biggest problem.. which you point out.. Jones tells you when you are hired as long as your are profitable and ethical, you can run your business how you want. Problem with that is they hired way too many new people and now the existing branches profit level is dragged down severly because of the influx of new people. Their business model worked at 5k,6k... even 8k employees(FAs) but once they start hitting 9k, 10K and 11K.. the chances of being a decent producer start to dwindle(unless you are in a New Jones area) and the turnover gets high and that takes from the profitability of the firm... so they need barely profitable seg 3s to do moreNoggin, I see what you are saying. But my point was that I think the reason this BOA was actually writing in was that the guy was probably more of a slacker than we would assume. If he was doing 25K a month working two days, it’s no big deal. But if he’s doing 10-12K, working two days a week, and she is twittling her thumbs, is that REALLY a good use of resources? I know it’s sort of a dilemma, because as long as you are hitting the minimum, they will leave you alone. But we are a partnership, so every slacker affects everyone else’s bonuses, profit sharing, etc. It’s not like the guy is just taking Friday’s off. There are plenty of people working much less than 40 hours. And nobody at Jones cares, as long as you are hitting your numbers. I don’t think anyone is trying to change the culture, just inject some reality and balance. It seems to me that there was never a time where the Managing Partner of the firm would be pleased to be hear about a seg 3 guy working 2 days a week. You can spin it how you want, but lets be realistic.
So you are paying someone $15 an hour to be a human voice mail machine? And you have to remember when you are starting THERE ARE NO CLIENTS TO SERVICE !
Thus you don’t get a BOA until you hit a certain point, unless inherited from the previous broker. They also should be running the broker’s marketing campaigns. Mailings, seminars etc… Is there free time early on? Of course, just one of the “perks” I guess. I mean, we are paying 60% for nothing more than the EDJ sign over the door.
They should have 2-3 FAs per office, then the BOA cost would go down, and BOAs would actually have something to fill their day with.
Yeah, you get a BOA at about 8k/monthly production. They aren't needed at that point. Marketing campaigns ? Mailings? Yeah, good luck with those. How is 60% for an EDJ sign working out for you ? Sounds like a crappy deal.Thus you don’t get a BOA until you hit a certain point, unless inherited from the previous broker. They also should be running the broker’s marketing campaigns. Mailings, seminars etc… Is there free time early on? Of course, just one of the “perks” I guess. I mean, we are paying 60% for nothing more than the EDJ sign over the door.
There are thousands of BOAs across the country reading romance novels as we speak. This firm could drastically cut costs with a 2-3 FA office, and probably boost firm-wide production due to the increased comraderie and inter-office competition.
I agree with previous posters: one of the BOAs' primary roles is to solidify relationships with clients so they'll stay on board when the existing FA leaves. That benefit alone is apparently worth a trememdous amount of money.[quote=Incredible Hulk]Thus you don’t get a BOA until you hit a certain point, unless inherited from the previous broker. They also should be running the broker’s marketing campaigns. Mailings, seminars etc… Is there free time early on? Of course, just one of the “perks” I guess. I mean, we are paying 60% for nothing more than the EDJ sign over the door.
Yeah, you get a BOA at about 8k/monthly production. They aren’t needed at that point. Marketing campaigns ? Mailings? Yeah, good luck with those. How is 60% for an EDJ sign working out for you ? Sounds like a crappy deal.[/quote]
So, Jones is a crappy company because you get nothing for the 60%? And Jones is a crappy company because they give us a BOA when we could share it with 2 or 3 other brokers?
Just so I follow the logic, they give us more than we need, but we over pay for what they don’t give us? Reminds me of a Yogi-ism.
You don’t believe in mailings? Have you ever started a business? Did people magically appear with their checkbook when you opened your door? Going face to face is apparently beneath you.
Finally, my guess is that my 40% is more than your 80%.
How did I get sucked into another one of these circular arguments?
I think the direction Jones is going is that in populated areas, you don’t start out on your own. They have dramatically scaled back on opening new offices, and a lot fo Goodknights/Legacies are staying longer in their host office (due to current financial concerns). My guess is that they will learn that they should extend these setups until the new FA is self-sustaining. I think it should be a 3-year period, personally. If you are hitting the numbers after 3 full years, they let you open another office. This does a couple things…it prevents Jones from making a huge outlay on an office that may or may not make it. It will help the new FA make it (because you have an office, you have a vet to talk to, etc.), and it will give the new FA time to build up assets before going out on their own.
There are not thousands of BOAs reading romance novels. Are there some. Absolutely. Thousands, no.
The only reason a BOA should be reading a book and not doing work is if her FA has simply stopped doing anything. If you're a new FA you should be out doorknocking, making phone calls, getting statements, or having appointments. All of those activities have follow up items the BOA can handle. Doorknocking means prospects that need to go into the system with follow up phone calls scheduled, info mailed, or repeat contacts scheduled. Phone calls typically mean some material goes out in the mail or some trade gets placed. Statements need to be entered into Portfolio or FAST questionairres need to be input into the system. Appointments mean ACATs or things along those lines. It's not going to consume all of her time, but it will certainly take a chunk. And let's not forget the training modules they have to do once they get hired. Seminars, speaking engagements, mailings, marketing, etc are all activities she can and should be doing also. When we have a seminar my BOA calls all of the people she sent the invitations to ask in person if they will be attending. The purpose of the one FA one BOA set up it simple. Advice and service. The FA gives the advice, the BOA is responsible for the service. The clients need to know from the get go that the BOA is to handle anything that doesn't require a S7 to do. Period. I don't need phone calls during the day wondering where their statement is or what we're serving at the seminar. If they've got cash or an investment question send them through. Otherwise the BOA can handle it. There absolutely is some benefit to Jones in having those BOAs in the offices. They do keep some assets because of the BOAs. I would disagree that it is the primary reason they have BOAs in the offices of new FAs.[quote=Incredible Hulk] [quote=Ron 14] [quote=Incredible Hulk]Thus you don’t get a BOA until you hit a certain point, unless inherited from the previous broker. They also should be running the broker’s marketing campaigns. Mailings, seminars etc… Is there free time early on? Of course, just one of the “perks” I guess. I mean, we are paying 60% for nothing more than the EDJ sign over the door.[/quote]
Yeah, you get a BOA at about 8k/monthly production. They aren't needed at that point. Marketing campaigns ? Mailings? Yeah, good luck with those. How is 60% for an EDJ sign working out for you ? Sounds like a crappy deal.[/quote]
So, Jones is a crappy company because you get nothing for the 60%? And Jones is a crappy company because they give us a BOA when we could share it with 2 or 3 other brokers?
Just so I follow the logic, they give us more than we need, but we over pay for what they don't give us? Reminds me of a Yogi-ism.
You don't believe in mailings? Have you ever started a business? Did people magically appear with their checkbook when you opened your door? Going face to face is apparently beneath you.
Finally, my guess is that my 40% is more than your 80%.
How did I get sucked into another one of these circular arguments? [/quote] You are a real wizard. Yes, they give you more than you need, AT YOUR EXPENSE. I worked at Jones for 3 years and mailed out plenty of those nifty little Investment Focus Newsletters, WordPower Letters, Mailers, Postcards, Thank you notes. You know what they produced? Jack sh*t. Im not beneath doorknocking, I did it and it works. So does cold calling. Mailers, not so much.
Spiff, with 10k plus FA’s there are definitely 1k+ BOA’s reading books as we speak. If you are not producing 20k the BOA works about 3 hrs a day at most. Even in Seg 5 offices the BOA’s are only needed 5 maybe 6 hours a day.
I guess that’s why most of our Seg 5 offices and a lot of our Seg 4 offices have at least two BOAs. One full time and one part time.
Think what you want. I'm pissing in the wind if I think I'll be able to change your mind.I was in a region of 45 FA’s. 11 were Seg 5 and 9 Seg 4. Only 2 had more than 1 BOA. The RL and a guy who inherited a 100mil office. I am not a mathematician, but 2 out of 11 isn’t most.
Guess what the two BOAs in the Seg 5 office in my town spend most of their time doing? Reading magazines.
(And then they alternate running personal errands when the FA's out golfing or fishing.) Fact.[quote=Spaceman Spiff]
There are not thousands of BOAs reading romance novels. Are there some. Absolutely. Thousands, no.
The only reason a BOA should be reading a book and not doing work is if her FA has simply stopped doing anything. If you’re a new FA you should be out doorknocking, making phone calls, getting statements, or having appointments. All of those activities have follow up items the BOA can handle. Doorknocking means prospects that need to go into the system with follow up phone calls scheduled, info mailed, or repeat contacts scheduled. Phone calls typically mean some material goes out in the mail or some trade gets placed. Statements need to be entered into Portfolio or FAST questionairres need to be input into the system. Appointments mean ACATs or things along those lines. It’s not going to consume all of her time, but it will certainly take a chunk. And let’s not forget the training modules they have to do once they get hired. Seminars, speaking engagements, mailings, marketing, etc are all activities she can and should be doing also. When we have a seminar my BOA calls all of the people she sent the invitations to ask in person if they will be attending.
The purpose of the one FA one BOA set up it simple. Advice and service. The FA gives the advice, the BOA is responsible for the service. The clients need to know from the get go that the BOA is to handle anything that doesn’t require a S7 to do. Period. I don’t need phone calls during the day wondering where their statement is or what we’re serving at the seminar. If they’ve got cash or an investment question send them through. Otherwise the BOA can handle it.
There absolutely is some benefit to Jones in having those BOAs in the offices. They do keep some assets because of the BOAs. I would disagree that it is the primary reason they have BOAs in the offices of new FAs. [/quote]
Not to nitpick, since this is a very interesting conversation, but you don’t need a S7 to give advice.
Also, I have to side with the Jonesers here. I worked my BOA like a dog. Probably why she hates me for leaving, among other things. I was not a Seg 4 or 5. I did not have $25mil under management. But I gave her enough work to do that she really didn’t have time to F off.
You hear at all the regionals “leverage your BOA”. I was leveraging her like Lehman.
She was still an idiot and a crack (or some kind of drug) addict, but I sure did give her a lot of work. Did it get done correctly all of the time? Of course not.
The thing about Jones BOAs is that for some reason very few of them are hot, either.
Luv - and you're point is?
Morean - you get the point with the S7 comment. Don't be a hater.[quote=Borker Boy]Guess what the two BOAs in the Seg 5 office in my town spend most of their time doing? Reading magazines.
(And then they alternate running personal errands when the FA's out golfing or fishing.) Fact.[/quote] In my GK office she spent the day watching soaps, talking to her friends on phone, and did work the other 4 hours. She was good looking and smarter than the FA, but those are few and far between.[quote=Spaceman Spiff]
Luv - and you’re point is?
[/quote]
Oh, I'm just sayin'
This has GOT to be the dumbest conversation I have read about Jones. This is certainly a new low. Criticizing Jones for employing assistants in the offices. Now, if Jones DIDN’T give us assistants, THEN what would the conversation be?
FYI - I don’t even have a full-time BOA. I only employ a part-timer. Jones doesn’t care, and my BOA didn’t want to commit to 35 hours or whatever she needs to maintain that status. She typically works 30-37 hours per week. Makes my P&L look good.
That is exactly my point and this is a terrible thread. I think if others at EJ would think outside the box they would benefit from cutting the hours of their BOA because in reality they are paying for her.This has GOT to be the dumbest conversation I have read about Jones. This is certainly a new low. Criticizing Jones for employing assistants in the offices. Now, if Jones DIDN’T give us assistants, THEN what would the conversation be?
FYI - I don’t even have a full-time BOA. I only employ a part-timer. Jones doesn’t care, and my BOA didn’t want to commit to 35 hours or whatever she needs to maintain that status. She typically works 30-37 hours per week. Makes my P&L look good.
[quote=Spaceman Spiff]
Morean - you get the point with the S7 comment. Don't be a hater.
[/quote].
This is where you lose me.... How much time could you possibly waste on paperwork(What paperwork, unless you are opening an account?) How much time sending mailers(if you are calling then sending out info, normally it's the same stuff to everyone, i understand a BOA would be helpful but I think we are talking 20 minutes max.) Who are you playing phone tag with? If you are new, how many silly questions are you answering(can't have that many clients... and if the questions are similar, maybe you should review your process when explaining info to clients)I’d have to agree with Spiff. A BOA is vital. I could be bringing in probably double the business I am right now, if I had a BOA to throw all the paperwork towards. Being a newer broker, I waste ALOT of time on paperwork everyday, answering silly questions, playing phone tag, sending mailers, and organizing my day. If I had a BOA to do all of that, and I could come in and go straight to calls, or appointments instead of having to scan paperwork, I’d be doubling my paycheck…
[quote=Incredible Hulk] [quote=Ron 14] [quote=Incredible Hulk]Thus you don’t get a BOA until you hit a certain point, unless inherited from the previous broker. They also should be running the broker’s marketing campaigns. Mailings, seminars etc… Is there free time early on? Of course, just one of the “perks” I guess. I mean, we are paying 60% for nothing more than the EDJ sign over the door.[/quote]
Yeah, you get a BOA at about 8k/monthly production. They aren't needed at that point. Marketing campaigns ? Mailings? Yeah, good luck with those. How is 60% for an EDJ sign working out for you ? Sounds like a crappy deal.[/quote]
So, Jones is a crappy company because you get nothing for the 60%? And Jones is a crappy company because they give us a BOA when we could share it with 2 or 3 other brokers?
Just so I follow the logic, they give us more than we need, but we over pay for what they don't give us? Reminds me of a Yogi-ism.
You don't believe in mailings? Have you ever started a business? Did people magically appear with their checkbook when you opened your door? Going face to face is apparently beneath you.
Finally, my guess is that my 40% is more than your 80%.
How did I get sucked into another one of these circular arguments? [/quote] You believe in magical mailings? Aren't the Jones direct mail campaigns done by home office anyways and never reach the branch.? How does going face to face have anything to do with mailings? My argument was that in certain areas(metro areas, not rural) that jones could cut expenses thus increasing profitability if they combined some offices, cut real estate and some extra personel. And then you guys could get your bonuses back.. I think in rural areas and the south, the one broker one boa idea works much better than say... Philly.
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This is where you lose me.... How much time could you possibly waste on paperwork(What paperwork, unless you are opening an account?) How much time sending mailers(if you are calling then sending out info, normally it's the same stuff to everyone, i understand a BOA would be helpful but I think we are talking 20 minutes max.) Who are you playing phone tag with? If you are new, how many silly questions are you answering(can't have that many clients... and if the questions are similar, maybe you should review your process when explaining info to clients)[/quote] I agree. The "paperwork" argument doesn't make sense to me either. I am about to graduate to Seg 2 and my BOA works very little. I would make an estimate that she works a total of about 5 hours a week, and I am fairly busy compared to the rest of the people in my seg/time in service. I actually wish I could share an BOA with another FA, I would love to start working toward profitability early. Instead, I have to increase my production twice as high to cover the cost of something I don't utilize much. That may be my own fault for not knowing how to leverage my BOA, but I still see it as sort of a waste. In fact, if I were honest with you, the biggest thing I get out of a BOA is being able to say I have a BOA...[quote=wind3574]I’d have to agree with Spiff. A BOA is vital. I could be bringing in probably double the business I am right now, if I had a BOA to throw all the paperwork towards. Being a newer broker, I waste ALOT of time on paperwork everyday, answering silly questions, playing phone tag, sending mailers, and organizing my day. If I had a BOA to do all of that, and I could come in and go straight to calls, or appointments instead of having to scan paperwork, I’d be doubling my paycheck…
Here we go again. Newbie guru would be doing double the business if he had a BOA! Just unbelievable.I’d have to agree with Spiff. A BOA is vital. I could be bringing in probably double the business I am right now, if I had a BOA to throw all the paperwork towards. Being a newer broker, I waste ALOT of time on paperwork everyday, answering silly questions, playing phone tag, sending mailers, and organizing my day. If I had a BOA to do all of that, and I could come in and go straight to calls, or appointments instead of having to scan paperwork, I’d be doubling my paycheck…
That's called masturbating!20 mins? Really?..It takes that long just to scratch my nuts in the morning…Maybe you are spoiled with a BOA or a secretary…I sure as hell aren’t…
He scratches his nuts and then gets out of bed and is instantly in his office because they are both his bedroom.
.
Wind, be careful what you wish for. Having a BOA is not the panacea you think it is. Yes, I will agree that I spend littel time on paperwork, but that just means I work less hours, not get fewer clients, because of it. I never spent prospecting hours working on paperwork anyway.
And the whole "most have 2 or 3 assistants" argument is bunk anyway. Let me give you an example. I am a fairly active seg 3 producer - meaning I am seg 3 but aggressively working towards moving up. I don't need a full-time BOA yet. Let's say I open 10 accounts per month. That's about 5 hours of work, max. OK, now I have 155 hours left in the month. Hmmmmm. What else can my BOA do? My BOA answers teh phone, calls to schedule annual reviews with clients, prepares my birthday cards, handles all the annual fee payments, deals with stupid admin crap from home office or clients, does the mail, checks, etc. We don't even send out our own trade confirmations anymore. At the end of teh day, she could do her busy work in probably 2-3 hours per day. It gets a little dicey when I have client appointments or am out of the office prospecting, networking, etc. and someone drops in or calls. I don't like to have a "closed" office or no answer on the phone. I also host a Legacy FA in my office (a newer FA without an office yet), so between the three of us, the office is almost always covered. Point is, if it were the two of us(meaning the other FA), or three or four of us, I could use a full-time BOA (or maybe 1.5) and fill her day with busy work. HOWEVER, I also take full advantage of all the "paperless" stuff at Jones. I don't keep any client files (other than current cases) - it all gets scanned and shredded. I have most of my own investment models already set up in Morningstar, so it's just go in, change the names, make a tweak, voila, done. How long does it take to print a Portfolio or Account Holding screen? My brethren across town is a low seg 4 producer (he's actually seg 5, but is doing high seg 3, low seg 4 numbers). He's got probably 300 clients and 45mm AUM. He has HUNDREDS of files, scans NOTHING, prints GOBS of reports, etc. and makes his BOA do every last bit of it. He also doesn't pick up the phone. She makes ALL his calls. He refuses to use e-mail, doesn't know how to pick up wires. Now, he has 1.5 BOA's (of which he has to pay for some out of pocket), because he is so freakin' needy. So, it's easy to say "everyone" has multiple BOA's, but you have to put that into context. Many of the "old timers" still manage like it's 1973.Again, a perfectly honest, non-koolaid answer from B24. Thank you.
Jones needs to get their head out of their butts on this one and let people share offices. It only makes sense financially. Put a wall in the middle if you don’t want the “ego maniac” syndrome. Let them move out on their own after year 3 like someone else said.
One caveat - I know some pretty heavy prodcuers that really do need more than one BOA - a lot depends on your own personal model. Of the big producers, you have th guy with 1500 households and 200mm AUM, and the guy with 300 households and 200mm AUM. Two very different models, doing very different things. One might use a lot of FAST (our financial planning software), the other one might use NONE of it. One might do all transactional work, the other does a lot of SMA's and funds. One might do tons of insurance (which is paperwork heavy), the other does none (the firms largest producer, like $3mm+, does almost half his revenue in insurance).
So again, it ALL depends on the office..
Not to be rude to anyone here. But…who gives a sh*t?
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There is not a Seg 2 broker in the country that needs a full time BOA. But, Wind has all of the answers and he gained that knowledge in 60 days selling so I will step away and let him go on.
Wow Windbag, you haven’t posted anything this good in a while!
You totally need a BOA, that way she can tell you how great you are every 15 minutes.I like how because I think that a BOA for a Seg 1/2 is a waste (speaking candidly from experience), that I either: A) Am not "giving her everything to do, that she could be doing instead of yourself" OR B) "aren't doing much business." Here is hidden option C - You are an idiot There are one of you in every region. Like the last new FA meeting I went to, there was some FA who happened to have a good month because he rolled over a decent 401k from a client who just lost his job started to tell the rest of us how to prospect. Wow, way to be there when the bus hit you...good job. Hey numbnuts, you are still in the New FA meeting. Until you have a couple years of at least >$200 T12, I don't want your advice or insight. That's what Seg 4-5 guys are for.I find it hard to believe a BOA is a waste, unless you A) aren’t giving her everything to do, that she could be doing instead of yourself or B) aren’t doing much business. It just doesn’t make since, as Spiff said, most really successfull FA’s that I know have 2 and sometimes 3 BOA’s. Pretty simple, clients = paperwork no matter how you wanna dice it. If you are busy it’s EASY to get bogged down by administrative stuff. It happens to me all the time, regardless of whether I am a newbie…don’t have to be a Vet to be doing business
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A) You don't know how far I can urinate, and I don't care how far you can. Coming on a forum and telling another FA that they essentially aren't running their business properly or aren't doing enough business is not only ignorant but pompous on a level that is staggering. Don't play your humility card here. B) Yes it does. Your advice is premature. Do something for a while, then come here and pontificate. Your advice is a small step above worthless here. Pay your dues and shut your mouth. C) Case in point...I wrote that, not Ron. D) I doubt it. You are no doubt the guy that slyly inserts some self-worshipping comment whenever you get the chance.Having a good month is a bit different than grossing $50,000 in 4 months, having Seg 2, almost Seg 3 numbers when you haven’t even been to PDP yet…In fact, i’ll be rolling in another $17,000 gross from one account next month…but i’m sure you’ll find a reason thats not good enough too…Just because I am new, doesn’t mean I’m not good at what I do…I don’t care if you have been in the business 2 months or 20 years, people either like you or they don’t…
And Ron…You are the idiot my friend…I never once said a Seg 2 Broker NEEDED a BOA…I said I know them that Utilize them and it’s very helpful…and right now…it’s perfectly feasable that I would need a BOA with the way my business is going…
I don’t say anything at NEW FA Meetings. I don’t preach, I don’t anything. When people ask for my help, I help. In fact I don’t really say sh*t at ALL at New FA Meetings…They are pretty much a waste of time…
It proves that you are an arrogant stiff because you actually quote your own numbers without anyone asking. Nobody on this site talks about their numbers unless asked. Sometimesnowhere is exactly right, there is one of you in every new FA meeting and every training class. Some complete clown who has all of the answers right away.
I am a Seg 4 EDJ Broker. I normally average mid range Seg 3 numbers (low 20’s). I agree with the idea that EDJ would be smart to close a
lot of our offices and converge them with other EDJ offices. We could
lay off half of our BOA’s and still get adequate service and a huge cost
savings. This would help our profit sharing payments and our office
profitability bonuses.
In my office my BOA could do all of her work in 3 to 4 hours on almost
any given day. Granted, she has the occasional day where she is busy all
day long, but these are few and far between.
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Wind, ever hear of Tuffy Rhodes ?
I skip every post you write, windy. You're wasting our time and you're an embarrassment to people at Jones.
Go. Away..
Well you are from oklahoma…That’s not really a good start…
One thing I don’t understand…if some of you guys that are so busy prospecting all day, doing your own paperwork, opening accounts on every doorstep and recording numbers like Ron Carson…how do you get the time to be posting on this site in the middle of the day?
Guys who are veterans at your own firm are finding things wrong with your statements. Clearly, you are wrong about many things. It has nothing to do with being new. It has everything to do with being an arrogant pud.I am not an embarrassment…You guys just find reasons to argue with me, and find things wrong with my statements. There’s never anything wrong with them, you just like to make me out to be some ass, because I like to be involved in the conversation and I am new
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Wow, I don’t comment that often but you’re a complete idiot. I’m relatively young as well and can speak that a Harvard student doesn’t know more than a 20 year vet…I personally started at 23 and knew nothing compared to what I know now and keep learning every day.
My only hope is that you keep coming back and update us as to your #'s a year from now, you will be singing a different tune..btw...$50k isn't that great, you're on your way to the Partner's Award and nothing else. Did you even win the first trip with all the bonus points, I did, went to Brazil, doing my own thing now. You smell trollish, are you the same idiot that got outed from Oklahoma. You give all of us under 35 a bad name. PS...keep your dot above that little red lineOne more thing,
What started out as a tradgedy of a thread titled "A telling sign at EJ" has come full circle to a telling sign of another sort, wind3574“There’s never anything wrong with (my statements)”
"I'm sure there are harvard students who know more about the business than a 20 year vet." These are just the latest examples of why you are a pariah here. Statements like these are stupid and arrogant and remind me of a rookie who was sent to my office to learn about trust administration. After 20 minutes of him telling me about his trust fund and finishing every sentence for me, I sent him back to the home office and told my boss that I couldn't teach him anything since he already knew it all. You're so busy tooting your own horn and defending your ridiculous statements that you won't learn a damned thing here. If your only other purpose here is to elicit adulation from the adoring masses, you're wasting your time..
look windbag,
The truth is, everyone gives you a hard time because the majority of your posts come off as VERY arrogant. Knowbody on this forum would ever have to know that your a newer FA, but your first few posts were you screaming about how new you are, and how well you did your first month...and your second month... and your third...and fourth. I just don't think you understand what everyone is saying. Knowbody cares that your new. They care that all you talk about is how new you are, and how much of a fast starter you are. Oklahoma does suck by the way. good luck man, I'm sure if half the stuff you say is true, you'll be seg 3 in no time.Wind-
Are you related to Spiff? Ron...maybe I can give Wind a little perspective. Last year as indy I grossed 300K and had an assistant 20 hours a week. And she is my wife, i.e., the money stays at home rather than someone who is just punching a time card and playing solitaire on the computer. We decided we needed another 12 hours of help from the outside and recently had to let her go due to our business which year to date is down 12%. If our biz picks up which I am expecting we will bring her back, but only if its warranted. You guys at Jones can't really manage your p/l. Only tweak it. No rep needs a full-time assistant until you are grossing at least 350-400K. Wirehouse figured that out long ago., Exactly
Hey, how did I get brought back into this thing?
I was happy just sitting back and watching you guys play pile on with someone besides me. Looks like now I'll have to get involved. When I started I took over an office along with a BOA. She moved away and so for a few months I didn't have one. I can tell you that while not many Seg 1 or 2 FAs NEED a BOA, they can be incredibly useful. The thing is, our payout doesn't change based on whether or not we have a BOA in the office. It sucks both ways. The only thing having a BOA affects is our profitability and bonuses. And those aren't even a consideration for the first few years. If I were indy, I can certainly see not hiring full time staff for a few years because you are cutting directly into your paycheck when you do. It doesn't make sense to pay someone to do nothing. Jones isn't going to give up the one FA one BOA model. For a variety of reasons they/we see it as valuable and it's a cost they're willing to put out. I'm sure they do see it as a benefit to have a BOA in the office that doesn't change with the FAs. I personally think they're a valuable tool that can be helpful at any stage of the business. I went back to read the Judge's 500 day war. He spends a lot of time talking about contacts, cold calling, and mailing. He spends zero time talking about paying bills, processing mail, setting up seminars, etc. All of those things can be handled by a BOA. Every minute a new FA doesn't have to worry about something administrative is another minute he could be doorknocking or phone calling. So, he can spend a cumulative 4 hours a week doing paperwork, or he can spend that time creating new relationships.Wind, Buddy, you're talking yourself in circles now. And seriously, the Harvard comment? Wind, that comment is really a reflection of your age and experience in life. Going to Harvard (or Yale, Princeton, Dartmouth, etc.) doesn't qualify you as more intelligent or knowledgable (yes, you probably had better grades and SAT scores), it simply gives you access to more powerful people. If you stay in this business forever, you may never see this (as opposed to working in corporate America), but the reality is, I would take a 20 year veteran in almost ANY industry over a newly minted Harvard grad. I have probably hired over 100 people in my career, and interviewed hundreds more. I have worked with literally thousands of people. I can tell you, without reservation, that your understanding of the way the world works is a little jaded. There is simply NO substitute for experience. And life experience also teaches you when to ease up a bit.See I honestly don’t get you guys, saying “There’s never anything wrong with my statements” doesn’t mean I know it all. I just meant that there is nothing really inherently wrong, meaning BAD about my statements. But you like to turn it around to sound like I know it all. I NEVER said I know it all, nor do I tell anyone WHAT to do. I just join in the conversation about what I have see, hear, and been told thus far. I’ve never said, “I know whats best, listen to me”…EVER…I’ve just commented on things because I have been doing well, so i’m obviously doing something right.
I think the difference Indy in me is that I like to learn, unfortunately noone else on this forum does. Everyone just likes to bash new guys. Thats why not very many post. They post a couple of times and get tired of the sh*t. But since I continue to, I’m a pariah.
Moss it’s very plausible that a Harvard Student knows more mechanically than a 20 year vet mechanically. Hell I’ve got 16 years experience of playing the guitar, that in know way means I know more than someone who has 5. Every business, every art-form has people who move VERY quickly because it comes natural. It’s about the person and how much they care, love, and study their career. Just because a person sits behind a desk for 20 years selling the same 7 funds and have been through a few tough markets, doesn’t mean they know more than someone who lives and breathes economics. I’m not talking about me necessarily, but it really just a shame that new guys get written of that they know nothing, Although they don’t have alot of experience, doesn’t mean they know absolutely NOTHING.
Oh…and I’m not sure what Jones you worked for Moss, but $50K gross in your first 4 selling months is ALOT compared to the standard of $8,000 total that most people sit on or below.
Wind, you know everything, but you must not know who Tuffy Rhodes is. Let me fill you in… He was an outfielder for the Chicago Cubs in the early 90’s. On opening day 1994 he became the first player to ever hit 3 HR’s on opening day, 18 months later would be the last time he played a game in the Majors. No, he didn’t get hurt. He is actually still playing in Japan, but he never felt the need to do anything but swing for the fence. He couldn’t believe the criticism he got a few months into the season when his numbers were down. Didnt management see what he did that day by hitting those homers? He was a stud in his own mind. He didn’t need to hit to all fields or move runners or take what the pitcher was giving him. Sure he looked great running into a few fastballs early on from Dwight Gooden, but then everyone caught on and he was done. Who knows what would have happened had he shut up, took instruction, humbled himself before his coaches and teammates, and grew into a complete player.
I think Wind is Spiff’s alter ego. One one side you have the affable, mild-mannered Spaceman Spiff, defender of all things green but very common sensical. On the other side you have the young, arrogant Wind, asking why won’t you people respect me?
First time I’ve had time to post this morning, I guess I should have given more of my ‘busy work’ to my BOA. While I thought it was beneath me to continue to pile onto wind, after making a comment about my wife (you are all class, wind), I thought I should join back in.
First, the reason why you are an embarrassment is that you have two modes, self adulation and uber defensive. Your "advice" comes across as self important and screams inexperience, and you "defending yourself" is rarely context related and centers around personal attacks and a couple hundred elipses. The only real value either has is akin to reading the cover of some gossip mag in the checkout line, fun to shake your head at in disbelief but short on substance. If I have learned anything in my relatively short life it's that the proud are ALWAYS humbled. Beware the karmic freight train, pal. The second reason you are a pariah is that you still don't get it, a few months of success doesn't mean d***. I would rather sit get the advice of a grizzled vet who flunked out of high school and built a 9 digit book than some punk kid who just happened to study well (no disrespect to any MBA's out there, I do think there is some value in the study and respect the time it takes to earn that degree). Here it is broken down for you: John Thain - Harvard MBA Stanley O'Neal - Harvard MBA Jeffrey Skilling - Harvard MBA Sweet...bang up job those guys did. Until you get it, 'it' being that you have to earn your place at the table with some years of hard work and adversity, you will always be the Series 7 licensed version of Ronald McDonald. And just to round things out, I love that you broke out the "I play guitar" thing. On top of everything else you just became "that guy" at the party that breaks out the guitar because he things that chicks dig the artsy guy. The unfortunate thing is "that guy" never knows he's "that guy" because he is too wrapped up in how cool he is. I guess that would just be wasted on you, though.Oh, andWind, you know everything, but you must not know who Tuffy Rhodes is. Let me fill you in… He was an outfielder for the Chicago Cubs in the early 90’s. On opening day 1994 he became the first player to ever hit 3 HR’s on opening day, 18 months later would be the last time he played a game in the Majors. No, he didn’t get hurt. He is actually still playing in Japan, but he never felt the need to do anything but swing for the fence. He couldn’t believe the criticism he got a few months into the season when his numbers were down. Didnt management see what he did that day by hitting those homers? He was a stud in his own mind. He didn’t need to hit to all fields or move runners or take what the pitcher was giving him. Sure he looked great running into a few fastballs early on from Dwight Gooden, but then everyone caught on and he was done. Who knows what would have happened had he shut up, took instruction, humbled himself before his coaches and teammates, and grew into a complete player.
[quote=SometimesNowhere]First time I’ve had time to post this morning, I guess I should have given more of my ‘busy work’ to my BOA. While I thought it was beneath me to continue to pile onto wind, after making a comment about my wife (you are all class, wind), I thought I should join back in.
First, the reason why you are an embarrassment is that you have two modes, self adulation and uber defensive. Your "advice" comes across as self important and screams inexperience, and you "defending yourself" is rarely context related and centers around personal attacks and a couple hundred elipses. The only real value either has is akin to reading the cover of some gossip mag in the checkout line, fun to shake your head at in disbelief but short on substance. If I have learned anything in my relatively short life it's that the proud are ALWAYS humbled. Beware the karmic freight train, pal. The second reason you are a pariah is that you still don't get it, a few months of success doesn't mean d***. I would rather sit get the advice of a grizzled vet who flunked out of high school and built a 9 digit book than some punk kid who just happened to study well (no disrespect to any MBA's out there, I do think there is some value in the study and respect the time it takes to earn that degree). Here it is broken down for you: John Thain - Harvard MBA Stanley O'Neal - Harvard MBA Jeffrey Skilling - Harvard MBA Sweet...bang up job those guys did. Until you get it, 'it' being that you have to earn your place at the table with some years of hard work and adversity, you will always be the Series 7 licensed version of Ronald McDonald. And just to round things out, I love that you broke out the "I play guitar" thing. On top of everything else you just became "that guy" at the party that breaks out the guitar because he things that chicks dig the artsy guy. The unfortunate thing is "that guy" never knows he's "that guy" because he is too wrapped up in how cool he is. I guess that would just be wasted on you, though. [/quote] yourself sometimes. Nicely said..
wind,
You get beat on so much you really don't need me pointing this out but here goes... Your performance does not show you "know something". It shows you got people to buy investments from you early in your career. Having said that let me also say Thank You! A part of my net worth is in partnership and you are helping it be a profitable investment. I personally prefer to see EJ FAs that are hard working and succeeding than incredibly smart ones that fail..
[quote=wind3574][quote=SometimesNowhere]
And just to round things out, I love that you broke out the "I play guitar" thing. On top of everything else you just became "that guy" at the party that breaks out the guitar because he things that chicks dig the artsy guy. The unfortunate thing is "that guy" never knows he's "that guy" because he is too wrapped up in how cool he is. I guess that would just be wasted on you, though. [/quote] This comment is retarded. It was a comparison and by the way, I wasn't that guy. I was actually the guy who toured, played on the same stage as Guns and Roses, Firehouse, Hinder, Avenged Seven Fold....Oh and the guy who recorded with the same producer as Pantera, B.B. King, Nickelback, Hell Yeah....If you listen to the radio enough, you'll probably hear me and not even know it.......but we won't go into that...You can just believe your own comments:)[/quote] Not only is the guy the next Ron Carson, he is also Axel Rose !! LOL !!!![quote=wind3574][quote=SometimesNowhere]
And just to round things out, I love that you broke out the "I play guitar" thing. On top of everything else you just became "that guy" at the party that breaks out the guitar because he things that chicks dig the artsy guy. The unfortunate thing is "that guy" never knows he's "that guy" because he is too wrapped up in how cool he is. I guess that would just be wasted on you, though. [/quote] FIST OF FIVE BABY....MY FAVORITE BAND!!! LOL This comment is retarded. It was a comparison and by the way, I wasn't that guy. I was actually the guy who toured, played on the same stage as Guns and Roses, Firehouse, Hinder, Avenged Seven Fold....Oh and the guy who recorded with the same producer as Pantera, B.B. King, Nickelback, Hell Yeah....If you listen to the radio enough, you'll probably hear me and not even know it.......but we won't go into that...You can just believe your own comments:)[/quote]Wind I have a great idea for you, although you don’t need it because you have all of the answers, but you could do investments seminars and then play the guitar at the end ! Attendees will get knowledge and entertainment ! Its the wave of the future !
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[quote=wind3574][quote=SometimesNowhere]
And just to round things out, I love that you broke out the "I play guitar" thing. On top of everything else you just became "that guy" at the party that breaks out the guitar because he things that chicks dig the artsy guy. The unfortunate thing is "that guy" never knows he's "that guy" because he is too wrapped up in how cool he is. I guess that would just be wasted on you, though. [/quote] This comment is retarded. It was a comparison and by the way, I wasn't that guy. I was actually the guy who toured, played on the same stage as Guns and Roses, Firehouse, Hinder, Avenged Seven Fold....Oh and the guy who recorded with the same producer as Pantera, B.B. King, Nickelback, Hell Yeah....If you listen to the radio enough, you'll probably hear me and not even know it.......but we won't go into that...You can just believe your own comments:)[/quote] And Windy tops himself yet again.Is that $10 bucks a head or are you giving head ?And I can charge them $10 bucks a head…It’s perfect!
.
[quote=Sam Houston][quote=wind3574][quote=SometimesNowhere]
And just to round things out, I love that you broke out the "I play guitar" thing. On top of everything else you just became "that guy" at the party that breaks out the guitar because he things that chicks dig the artsy guy. The unfortunate thing is "that guy" never knows he's "that guy" because he is too wrapped up in how cool he is. I guess that would just be wasted on you, though. [/quote] This comment is retarded. It was a comparison and by the way, I wasn't that guy. I was actually the guy who toured, played on the same stage as Guns and Roses, Firehouse, Hinder, Avenged Seven Fold....Oh and the guy who recorded with the same producer as Pantera, B.B. King, Nickelback, Hell Yeah....If you listen to the radio enough, you'll probably hear me and not even know it.......but we won't go into that...You can just believe your own comments:)[/quote] And Windy tops himself yet again.[/quote] ...and now you know the inspiration for the "Topper" character in the Dilbert comic strip...Wow did this thread get off topic…
I was the guy swept the floor after Wind was done with his set.
I then invested all of my money and my parents money at his firm Edwards and Jones..
[quote=wind3574][quote=SometimesNowhere]
And just to round things out, I love that you broke out the "I play guitar" thing. On top of everything else you just became "that guy" at the party that breaks out the guitar because he things that chicks dig the artsy guy. The unfortunate thing is "that guy" never knows he's "that guy" because he is too wrapped up in how cool he is. I guess that would just be wasted on you, though. [/quote] This comment is retarded. It was a comparison and by the way, I wasn't that guy. I was actually the guy who toured, played on the same stage as Guns and Roses, Firehouse, Hinder, Avenged Seven Fold....Oh and the guy who recorded with the same producer as Pantera, B.B. King, Nickelback, Hell Yeah....If you listen to the radio enough, you'll probably hear me and not even know it.......but we won't go into that...You can just believe your own comments:)[/quote] Here's a further indication that you are "that guy". "That guy" always says he's not "that guy", and then talks about touring with some big name bands. The last "that guy" I knew was touring with Ozzie and David Lee Roth - AKA driving the bus. "That guy" also uses patently offensive terms like "retarded" and the like because they lack the command of what I assume is their primary language to say what they actually mean. Then again, if I assume that English is your primary language I am sure you will post later today that you speak 30 languages, including 8 forms of Mandarin. I wonder what an appointment with a couple of prospects or clients is like with you. Do you look at their existing portfolio that is down 40% to date and say, "man, that mutual fund is retarded"? Or do you just skip the PG offensive terms and start talking dirty to the wife?.
Hey Windy, I don’t really have a clue about your past (and I also really don’t give a rip) but I do have a clue to your future...
Dude (or Dudette), you can say what you want about bringing in some revenue in your short little “career” with the green machine but my crystal ball shows me (way more clearly than market prognostication) YOU WILL ABSOLUTELY FAIL in due time. Why? A) No clue to self awareness. B) So insecure you’re trying to give advice when you should be taking it or seeking it. C) Most importantly, you’ve been out, what, a few months, and you have over 200 posts on a site like this.<?: prefix = o ns = "urn:schemas-microsoft-com:office:office" />
STFU and work this business a couple years and then come back and educate everyone here.
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At some point you will learn to quit while you are behind.Your crystal ball is broken…
[quote=Searay79]Wow did this thread get off topic…
[/quote]Yeah, I liked it better when we were discussing the EJ broker who tried to stab himself.
[quote=buyandhold] [quote=Searay79]Wow did this thread get off topic…
[/quote]Yeah, I liked it better when we were discussing the EJ broker who tried to stab himself.
[/quote] You're right, after all this thread was nothing more than another failed shot at EJ anyway...
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