![]() ![]() Selling/advertising the sale of accounts, codes, gold generating apps, cheating bots, etc. No posts related to breaking the rules set out by Gaijin.No posts related to breaking Gaijin's terms of service. Private messages containing responses in languages other than English, slurs of any kind, or otherwise excessive levels of salt are not allowed. Note: There is no requirement to hide usernames in submissions, as all server replays are publicly available. Don't encourage witch hunts against anyone.No abuse, harassment, racism, xenophobia, hate speech, discrimination, flame-baiting, trolling, nor general assholery.No abuse, harassment, witchhunting & assholery. If posting NSFW material, tag it NSFW.Having a witty related caption or title is not enough and it must contain a vehicle or element from the game. Memes must be clearly visually relevant to War Thunder.Note that memes visible during the non-meme days, but posted during meme days will not be removed. Memes may only be posted on meme days.Must be relevant to War Thunder in terms of time frame and purpose.Must be flaired with the SUGGESTION flair.If your suggestion is there already, don't post it again. If for a vehicle suggestion, please first refer to the updated list of previously suggested vehicles.Posts made to promote other games will be removed. Posts of history entirely unrelated to War Thunder should be posted instead to /r/history, /r/aviation, /r/WWIIplanes, /r/AirCraftPorn, /r/TankPorn, etc.This means just having a witty related caption or title is not enough. Posts with "clickbait" titles will be removed.Īll content should be clearly relevant to the game of War Thunder and its vehicles.If your submission has an unclear title you should submit a top-level comment explaining the content.r/WarThunder aims to make its content clear from a quick glance. Visual representations of lootboxes are banned.This is understood to include multiple posts by different users about the same topic Submitting low-effort posts of any kind in quick succession will lead to post removals and may lead to a ban.If submitting multiple videos/gifs/images, post them in a single text post with descriptions for each item.Posts made within an hour of each other will be removed. Users are limited to two posts for any given 24-hour period. It is not a catch-all flair for jokes and satire.ĭon't spam /r/WarThunder. ![]() individual screenshots or minor discoveries.
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The Honda driver sustained internal injuries,Īnd a 16-year-old front-seat passenger, who police said was wearing a seat belt at the time of the collision, Police said the teenager was taken to Hilo Medical Center where he was later pronounced dead. ![]() The driver and Hao-Kallio, a rear passenger, were thrown from the vehicle upon impact. Police said a 1996 Honda Civic driven by a 20-year-old man was traveling south on Mamalahoa Highway with two passengers including Hao-Kallio when it lost control on the wet roadway and spun into the northbound lane, hitting a 2002 Chevrolet pickup truck. On Monday a 15-year-old boy identified as Zion Hao-Kallio of Ocean View was killed in a motor vehicle collision in Pepeekeo. Twenty-six traffic fatalities were reported in the county in all of 2021. 1 through July 27, 2022, in Hawaii County, compared with 13 at the same time in 2021. Statistics show 25 traffic fatalities occurred from Jan. The state Department of Transportation shows a significant increase in traffic-related fatalities in Hawaii and Kauai counties from January through most of July compared with the same time in 2021. ![]() ![]() ![]() In fact, half of Americans in a recent survey by Orion Advisor Solutions said they considered a partner's dishonesty about money to be a form of cheating. "Rather than planning how to get divorced, they're setting themselves up with a solid foundation for how they plan to manage their money as a couple," she said.Ĭlients should avoid keeping financial secrets from their partner. The only difference is whether you decide the terms or if you let the state decide," Cox said.įor Michelle Francis, a financial planner who is the owner of Life Story Financial, an RIA in Denver, Colorado, prenup discussions can feel encouraging rather than scary. "I always say, you have a prenuptial agreement one way or another. "When framing the discussion with 'risk mitigation' in mind, I have noticed couples being more receptive to the idea of a prenup or postnup," Pak said.įor Crystal Cox, a certified financial planner who is a Madison, Wisconsin-based senior vice president at Wealthspire Advisors, a New York-based RIA, "It's only awkward if the advisor makes it awkward." The advisor can acknowledge prenups are a touchy subject, perhaps saying something like, "Now, this is a little awkward, but we should discuss a potential prenuptial agreement."Īnother option is to point out that such agreements can be empowering for couples rather than oppressive. Pak, a certified financial planner at Otium Advisory, an RIA based out of Los Angeles, California.Īdvisors can help couples discuss this uncomfortable but important topic, Pak said. ![]() "My recommendation has always been to initiate the discussion of a prenup before the engagement, but sadly the directive doesn't materialize until it is too late," said John C. When an advisor sees that a couple is engaged or on their way to that milestone, it's a good time to bring up a delicate question: What about a prenup? Read more: Ask an advisor: Does my client need a financial planner or a marriage counselor?įP heard from many experts on how advisors can ensure their engaged, soon-to-be-engaged or newlywed clients are set up for financial success. The good news is, for advisors looking to stand out and differentiate with services suited to multigenerational families or younger clients who are early in their wealth building journeys, walking a couple through this process can be a valuable opportunity to grow their business. The complications of joining two households together can also impose stress on couples, as well as the risk of asset loss in the event of a divorce. The mean cost of a wedding in America was $30,000 last year, according to wedding industry website The Knot - and that figure, which fluctuates across states and cities, doesn't include common extras like the engagement ring or honeymoon. But weddings today can cost an arm and a leg, which makes proper planning around them critical. Weddings are a major personal and financial milestone in the life of many clients in wealth management - either their own special day, or the wedding of a child, family member or close friend. ![]() Read more: This $5.7M advisor helped a client, then officiated her wedding … So we started doing wedding planning the next day!" "When we got engaged, the next day - I mean, literally the next day - she had spreadsheets, she had price points, she had things for us to look for," Bolden said of the aunt, laughing. In his own case, Bolden was pleasantly surprised to receive help from an unexpected source - his fiancée's aunt, who had ample experience in family wedding planning. 17.īolden, the lead wealth advisor at registered investment advisor Bolden Wealth Management in Royal Oak, Michigan, also helped two clients with planning their weddings earlier this year. "I had done a lot of planning beforehand," said Bolden, whose wedding is set for Sept. ![]() |
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