Joe, why are you always trying to conduct a poll?

The pattern is that I want to offer encouragement to people (epecially young) people who have made mistakes.

I responded to whomit's posts and told him where I was coming from.

No reason to be in an "attack mode".  Go back and read the responses to the initial post:  is anyone being THAT encouraging here.  There's no need for you to call attention to my posts.  Hey, why not offer some encouragement instead...perhaps he was attempting to get thru college on his own and just racked up too much debt.

Have a nice day!

I do understand your comments but it still might depend...

If an interviewer felt he was NOW responsible and HAD learned his lesson and if he really made a good impression otherwise (reflected how he was a good people person, would be good at sales, good communication skills; educated (due to that college he attended) and if passed their initial screening which normally might not include looking into his own financial background...then, he still might have a chance.  Some hiring people might reflect on their own mistakes in their youth and just MIGHT, I say, just MIGHT give him a CHANCE.

My point was not to call attention to myself but encourage the seasoned, experienced advisors to not be so quick to bash and putdown others, to be more professional and to be a little bit encouraging.  So if you think I was calling attention to myself and you obviusly were trying to...all I can say, is sorrie u feel this way.

[quote=goforbroke]

Joe, why are you always trying to conduct a poll?

The pattern is that I want to offer encouragement to people (epecially young) people who have made mistakes.

I responded to whomit's posts and told him where I was coming from.

No reason to be in an "attack mode".  Go back and read the responses to the initial post:  is anyone being THAT encouraging here.  There's no need for you to call attention to my posts.  Hey, why not offer some encouragement instead...perhaps he was attempting to get thru college on his own and just racked up too much debt.

Have a nice day!

Gofor,

In sales, a "No" is as good as a "Yes". It's the answer that we're after. (Meaning, we want an answer so that we can deal with the reality and stop living in denial)

I spoke with a guy the other day, and he told me things that I didn't want to hear. But after he had said "No", I was able to think in a different direction and that direction put me in front of an opportunity 5 times bigger than the first one.

If he had told me "Maybe, kinda, I'm interested in a sort of 'it could happen' kind of way" then I'd still be looking at it from that other perspective and I wouldn't have put myself into this other situation.

This guy needs to know that this door is "99 and 44/100%" shut to him right now. He's much better off looking elsewhere.

I stand corrected.  Don’t be too discouraging to young wannabe’s though.

On second thought, hermit, they say when a gal says no, she actually means yes.  haha...little Friday joke.

no hate mail, please. thanku.

One more comment for the initial poster:  Don't do it again!  Learn your lessons.  best financial advice to rebuild credit: get a higher interest online savings and no CC debt! 

Some fa's have stressed, and especially one popular one who has her own tv show:  watch the CC debt!  Little or no CC debt.  Sometimes it takes a few times for us to learn our lessons.  It has been mentioned not to be tricked by 0% interest credit cards, too as the companys figure that you won't be able to pay it off.  

(There are situations of fa's who have been hired and then get into a financial mess as with a situation by a prior ameriprise fa (suicide/murdered his family) due to debt/stress...complaints from clients who lost life savings.  Or are tempted to possibly do illegal things to make more money...as with the Jim Cramer story.)  

[quote=goforbroke]

[quote=anonymous]The answer is that your bankruptcy will keep you from getting a job as a financial advisor.  Go get some sales experience in another field.  This isn't a bad thing because it's very hard for a 22 year old to succeed in this business.  In the future, you will be able to get in the industry.[/quote]

Hmmm, well, it seems that it's not a permanent sentence.  But it won't be pleasant when you have to truthfully answer this question on any application in the future "Have you ever filed bankruptcy?"...but even Donald Trump filed bankruptcy.  Count your lucky stars that you learned a valuable lesson at a young age not to repeat this.

The answer is that your bankruptcy will keep you from getting a job as a financial advisor.  -- you could also just apply for an fa job to validate this for yourself.  Some firms will accept anyone who is "barely breathing" (e.g. bb or as they like to say ...if you can "fog a mirror".)

[/quote]

Donald Trump did NOT file BK. One of his corporations did.

thanks you fer clearing the matter up fer us.  His caorporaation did and he wuz affiliated with it – that a perrty dat nar makes him associated it with it-dotten et?- granted, he didn’t risk losing any of his personal assets.  we’re all verrry cleaar on thais. He isn’t squeaky clean, all the same. 

[quote=ibfa7]

Thank god im not.  I’d most likely kill myself
ive read some of your other post, and I guarentee im not the only one
who feels this way.

Anyways, anyone with a real answer I would greatly appreciate it. 

and save up some money

There's a good point, cause if you went BK on Ramon Noodles and Rolling Rock, you're gonna REALLY hurt trying to survive the first several years of dues paying in the FSI!

It costs somewhere in the neighborhood of $30 per day JUST to show up at work (between the suit, the shoe shine, the laundered shirt, the gas/tolls/fares, parking ammortization on the vehicle, all in all done, you'll hemmorage money for years in this business!)

Hey guys,

Thanks for all the replys.  Yes as I was going to college I ended up getting myself into some trouble, yes I learned from my mistakes and yes it will NEVER happen again.  As they say 'You live and you learn'.  I was affraid of what you would say about not having a chance.  I figured as much but guess I was just looking for proof.  I am still going to the interview and I hope that I impress them enough to possibly slide through the BK.  I know what I did wrong, and I know what to do here on out.   If I can get that point across when the topic arises than maybe they will give me a chance.  If not, im young I will find somthing to cover myself until I am able to get into the business.  I will tell you know, I will get into the business, maybe not now...but soon.

Also, im not worried about any negative comments, I know what im getting myself into (possibly even getting laughed out of the office) I just get P.Oed when ignorant people post comments that are pointless just to get their jollys off of someone who is across the country that they don't even know and never will.  Some people just need to get a life I guess.

Anyways, thanks for the replys again, I appreciate it.  Any other suggestions on how to get into the business I'll take with open arms.

"Anyways, thanks for the replys again, I appreciate it.  Any other suggestions on how to get into the business I'll take with open arms."

Marry the daughter of a Merrill branch manager??? She may be fuggly but could be worth it. Just suck it up for a couple years, build your business, take a check to jump over to Morgan or Smith Barney, divorce her, and never look back !!!!

Just kidding... Or am I???

[quote=ibfa7]

Hey guys,

Thanks for all the replys.  Yes as I was going to college I ended up getting myself into some trouble, yes I learned from my mistakes and yes it will NEVER happen again.  As they say 'You live and you learn'.  I was affraid of what you would say about not having a chance.  I figured as much but guess I was just looking for proof.  I am still going to the interview and I hope that I impress them enough to possibly slide through the BK.  I know what I did wrong, and I know what to do here on out.   If I can get that point across when the topic arises than maybe they will give me a chance.  If not, im young I will find somthing to cover myself until I am able to get into the business.  I will tell you know, I will get into the business, maybe not now...but soon.

Also, im not worried about any negative comments, I know what im getting myself into (possibly even getting laughed out of the office) I just get P.Oed when ignorant people post comments that are pointless just to get their jollys off of someone who is across the country that they don't even know and never will.  Some people just need to get a life I guess.

Anyways, thanks for the replys again, I appreciate it.  Any other suggestions on how to get into the business I'll take with open arms.

[/quote]

Why should we embrace someone who makes our industry look worse than it already looks. We want problem people out, not in. The more exclusive we are the better off we are. That's just the way of the world.

[quote=Bobby Hull][quote=ibfa7]

Hey guys,

Thanks for all the replys.  Yes as I was going to college I ended up getting myself into some trouble, yes I learned from my mistakes and yes it will NEVER happen again.  As they say 'You live and you learn'.  I was affraid of what you would say about not having a chance.  I figured as much but guess I was just looking for proof.  I am still going to the interview and I hope that I impress them enough to possibly slide through the BK.  I know what I did wrong, and I know what to do here on out.   If I can get that point across when the topic arises than maybe they will give me a chance.  If not, im young I will find somthing to cover myself until I am able to get into the business.  I will tell you know, I will get into the business, maybe not now...but soon.

Also, im not worried about any negative comments, I know what im getting myself into (possibly even getting laughed out of the office) I just get P.Oed when ignorant people post comments that are pointless just to get their jollys off of someone who is across the country that they don't even know and never will.  Some people just need to get a life I guess.

Anyways, thanks for the replys again, I appreciate it.  Any other suggestions on how to get into the business I'll take with open arms.

[/quote]

Why should we embrace someone who makes our industry look worse than it already looks. We want problem people out, not in. The more exclusive we are the better off we are. That's just the way of the world.

[/quote]

My last response to you Bobby:

Never once did I ask to be "embraced" I don't know who you are so why would I ask for approval to jump in the industry from someone like you, I asked if it were possible to get in with a BK.  Get over yourself and your "8" years of experience, your no better than the next guy and if you were as succesful as you portray yourself you wouldnt be here online trying to beat down young kids.   Good luck with your company, I sure hope your a much better business man than you are at selling yourself because if you act like this out in the real world my guess is your 45 years old and still living at home with mommy and daddy.    Anyways buddy, have fun trying to be the badass of an internet world.  Sure scared me.

[quote=kerho]

ibfa7, this board is dead.  It's filled with burned out, mentally unstable, severely depressed people who have nothing of value to contribute.  If you read the posts they're filled with nothing but blather.  It's obvious that the FA industry kicked the living crap out of a lot of people and they seem to troll on this board, just ignore them.

If you have a dream, the ambition, and the WILL to succeed, you'll eventually get where you want to be no matter what you decide to do.  God bless this great country.  Good luck to you. 

I was 27 when I opened my first business and I got a lot of flak from customers about my age but most didn't care, they cared about the product/service/value they receive.  Believe it or not, most people in this country are happy to see somebody with ambition and some fight in them.  God speed.

[/quote]

Why should we embrace someone who makes our industry look worse than it already looks. We want problem people out, not in. The more exclusive we are the better off we are. That's just the way of the world.

Well, was just going to mention people should quit calling you a troll but you keep earning this name with some of these comments and sometimes you have good contributions.  This kid doesn't have to get your permission; it's up to the hiring person.  I'd say if you want to be exclusive that all fa's should always look out for the best interests of their clients; when there are class action suits and SEC complaints and the like, it does give your profession a bad name: and THIS is would should be focused on.  Trying to run a little soriety, popularity club where you vote people in and shun others won't make your profession any better...besides, it looks like some would would easily be called a troll just as you have (several times).  Apparently your coherts think you are posting so you can bash people and showoff.   And the fa who posted the other post doesn't seem to favor the exclusiveness of fa's posting on this site either.

Youngman, your signature reflects you have a high interest in this career field.  It might be easier to get into the insurance field - and more lucrative: try that for awhile to gain some good sales experience.

To the original poster, as you are an outsider, as far as the industry is concerned, I have to say, that my concern is not so much you coming in and giving our industry a bad name. My concern is more Hockey man Hull, giving our industry a bad name to outsiders on this board. (and I fully expect his comeback to my post will be some crap about me being down on EIA's because I dont have them available to me, or about me selling some underperforming fund called the American Funds Balanced, which I never even indicated I sold and in fact dont have one clients dollar invested in it.). Bobby should change his name to Dave Schultz, the notorious bad boy of the 1970 Philadelphia Flyers, who had very little skill, but was sent out onto the ice to start fights.

I dont understand, if the administrators of this forum want it to be a constructive one, why they dont ban him. Wont matter tho, he'll just change his name, like he's done before.

Back to the original poster, as you know by now, you wont be hired right now with the  BK by a major firm. But thats a good thing. No 22 year old comes into the business and blows the cover off the ball, without being really connected. I've seen it a hundred times-no matter how hard they work. You got good advice here. Get a sales job in another field. Build a rolodex, while you are rebuilding a credit rating. Then come back, you;ll have a better shot.

And just for the record, I aint answering Bobby's retort, which is surely a moment away from me posting this message, since he apparently has no life other than posting on this board. I'm going to continue ignoring him, as should the rest of the board. Who the f*** is he to personally attack anyone, let alone a young kid who came here looking for some honest advice?

He does make some good observations and good contributions, too -- if he continues to do this:  I don't think he should be ignored (this would be bad manners).    He's a Trump fan, I'll give him that.  Wonder if he also embraces the combover, too? 

Several posters make controversial statements on this board and he's no different.  However, since the moderators are aware that others feel he is a TROLL, he needs to go with the flow or he'll be rolling right off of the site when he gets banned by the mysterious moderators.  Hmmm, what moderators?  I see and hear dead people.  Don't know they're there until a topic gets deleted or someone gets banned.  I'll slap him around for you since I feel he also makes good contributions to the topics, too --and will teach him to mind his ps and qs so he won't be banned.  He's been warned.  Bobbie Boy, teacher says you have to stay after school today -- are you older than 18?    

[quote=pratoman]

To the original poster, as you are an outsider, as far as the industry is concerned, I have to say, that my concern is not so much you coming in and giving our industry a bad name. My concern is more Hockey man Hull, giving our industry a bad name to outsiders on this board. (and I fully expect his comeback to my post will be some crap about me being down on EIA's because I dont have them available to me, or about me selling some underperforming fund called the American Funds Balanced, which I never even indicated I sold and in fact dont have one clients dollar invested in it.). Bobby should change his name to Dave Schultz, the notorious bad boy of the 1970 Philadelphia Flyers, who had very little skill, but was sent out onto the ice to start fights.

I dont understand, if the administrators of this forum want it to be a constructive one, why they dont ban him. Wont matter tho, he'll just change his name, like he's done before.

Back to the original poster, as you know by now, you wont be hired right now with the  BK by a major firm. But thats a good thing. No 22 year old comes into the business and blows the cover off the ball, without being really connected. I've seen it a hundred times-no matter how hard they work. You got good advice here. Get a sales job in another field. Build a rolodex, while you are rebuilding a credit rating. Then come back, you;ll have a better shot.

And just for the record, I aint answering Bobby's retort, which is surely a moment away from me posting this message, since he apparently has no life other than posting on this board. I'm going to continue ignoring him, as should the rest of the board. Who the f*** is he to personally attack anyone, let alone a young kid who came here looking for some honest advice?

[/quote]

I've got you in the palm of my hand.

That was good Hull, I'll admit it.

Still, you are a d.....never mind.

To the original poster, good luck