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11 Secrets of Financial Planners

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You share your darkest money secrets with your financial planner. You even tell him about the time you spent your last pennies at Starbucks, because without caffeine, how could you work? This is the person who is supposed to sort out your life so that you can buy everything your heart desires, after all—or so we want to believe. We found out whether financial planners judge your shoe-buying habit, whether they get mad if they have to repeat themselves time and time again (we hear what we want to hear), and why they don’t always follow their own advice.

1. SOMETIMES, THEY GET A LITTLE ANNOYED WITH YOU.

“I grimace when friends or clients get involved with multi-level marketing endeavors, thinking it’s a quick way to make money,” says Quentara Costa, a certified financial planner in Massachusetts. These MLMs, including LuLaRoe, Matilda Jane, and others, rarely last more than a year, but according to Costa, the outlay of funds and time you pour into developing and understanding the product could have been better spent pursuing other means of career development. “While well-intentioned, it’s my least favorite method of supplementing income because it can take years to develop business and trust within the community, as with any business venture,” he explains.

2. THEY DON’T ALWAYS APPROVE OF YOUR CAR-BUYING WAYS.

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Meghan Chomut, a certified financial planner in Thunder Bay, Ontario, says she can’t stand it when her clients overspend on vehicles. She even has a golden rule about it: The total value of all your vehicles and motorized toys shouldn’t add up to more than half of your annual income.

3. BUT THEY UNDERSTAND THAT YOU’RE GOING TO FORGET ABOUT SAVING MONEY DURING YOUR VACATIONS.

This is the time when clients tend to go off the rails, says Bill Ryon, co-founder and managing partner of the Dover, Delaware-based Compass Investment Advisors. Whenever Ryon sees clients taking distributions that are larger than what’s called for within their financial savings plan, he knows that they’re going on an international trip. “It can be a little bit of a sensitive conversation, since it is their money and I want them to enjoy themselves," he says, "however not at the expense of derailing their plan or jeopardizing their lifestyle in the future."

4. THEY BLAME YOLO.

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“If you can’t afford it, you shouldn’t do it,” Chomut says. “But then #YOLO, and all of a sudden, you’ve booked a trip to Florida. Or #FOMO you are going out to eat at a fancy restaurant with friends and putting it on a credit card," she says. "The struggle is real.”

5. THEY TOTALLY EXPECT TO REPEAT THEIR ADVICE OVER AND OVER AGAIN.

Warren Ward, senior planner with WWA Planning and Investments in Indiana, says that many years ago, his doctor told him that about half the medical issues he dealt with in his practice were optional: people overate, refused to exercise, or smoked. But they still wanted their doctor to keep them healthy. “He responded by repeating his good advice, and making medical interventions when appropriate,” Ward says. “Just like that physician, we care about our clients, and will patiently repeat our advice at every visit, knowing from experience that people can change over time and become more financially healthy.”

6. EVERY FINANCIAL PLANNER HAS THEIR OWN FINANCIAL TRICKS TO PASS ON.

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Ward is a huge fan of the “cash envelope system,” he says. Basically, you map out your spending for the week, and put that amount of cash into an envelope. “Mapping out your spending for the week allows you to know where your money goes instead of wondering where it went,” he says.

7. SOME WANT YOU TO FOCUS ON THE BIGGER PICTURE ...

“The secret is that all retirement planning is income planning and everything else is detail,” Ryon says. “I’ll have to repeat that several times, but that’s it. It helps them to focus on what’s really important and what they are planning for.” Essentially, he says, you’re saving and investing to sustain your lifestyle for at least 30 years after you retire. So if you focus on the fact that all of your retirement planning is income planning, then you’ll be able to think of your money as a machine that’ll pay the bills once you stop working.

8. ... OTHERS WANT YOU TO THINK ABOUT EVERY DOLLAR YOU SPEND.

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The key is to make a budget every single month, Chomut says. “Every dollar overspent is a dollar you have to either work harder for tomorrow, or a sacrifice you’ll have to make later.”

9. THEY DON’T ALWAYS FOLLOW THEIR OWN ADVICE ...

Ward says that the most difficult part of financial planning is convincing his clients to plan for death. That means setting aside money for the kids’ education and naming a close friend or relative as a potential guardian for those children ... just in case. “Just like my clients, I’m slow to face updating my estate planning documents,” Ward says. We don’t blame him!

10. ... BUT THEY STILL WISH YOU WOULD TRUST THEM ...

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“In our modern age of 24/7 news coverage, I think people tend to put too much emphasis on interpreting the latest headline, and then trying to act tactically in response,” Ward says. “Whether this involves making an investment decision based on world affairs, or following the weather minute-by-minute prior to a vacation, we prefer that they think strategically, formulate a plan and stick to it—of course allowing for periodic review and adjustment.”

11. ... BECAUSE AT THE END OF THE DAY, THEY’RE THE EXPERTS.

“I struggle watching one of a couple—usually the husband—claiming expertise that’s actually incomplete,” Ward says. After all, he doesn’t brag about medicine when he goes to the doctor, nor does he claim knowledge of the law if he visits a lawyer. “I try not to be judgmental, but this is an area where I struggle,” he says.

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15 Behind-the-Scenes Secrets of Pool Lifeguards
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Pool lifeguards do far more than just work on their tan: These trained professionals can detect sometimes-subtle indications of distress, shut down dangerous water activities, and keep visitors safe from harm.

But jumping to the rescue is only a minor part of their routine. To get a better idea of what their job entails, we asked several career pool lifeguards about their duties, from working with dangerous chemicals to dealing with poop emergencies. Here's what we learned.

1. THEY CAN TELL HOW WELL YOU SWIM BY HOW YOU GET INTO THE WATER.

Paul, a lifeguard at a private pool facility in Reno, Nevada, says that he can usually evaluate a person’s swimming abilities by how they enter the water. “People who are less skilled and experienced typically lower themselves into the pool or use the stairs or ladders,” he says. “More skilled swimmers do this thing where they jump into the pool, fully submerge, then push off the bottom and start swimming immediately. It's surprisingly common.”

2. THEY SEE A LOT OF CRACK.

Swimming trunks may be some of the least-intuitive apparel items of the modern world: Get them wet and they’re likely to make for an anatomy lesson no one asked for. “Kids, especially boys, have the strangest inability to notice when their trunks are falling off,” says Marek, an indoor lifeguard in Washington state. “It's usually not a big deal and gets handled when the kid's parent notices and scolds them."

3. THEY’RE AMATEUR CHEMISTS.

Responsibility for maintaining the pH balance of a pool and adding or reducing chemicals to preserve a clean environment is usually the duty of head lifeguards. According to Darrell, a 10-year veteran of indoor pools, handling these substances requires additional training. “This is done at the end of the day and I typically add chemicals twice or sometimes three times a week,” he says. “I add either calcium chloride to control the hardness of the water or sodium bicarbonate, baking soda, to control the alkalinity.” For germ-killing, chlorine and muriatic acid are delivered to the water through a computer-controlled delivery system.

4. SOME VERY GROSS THINGS LURK AT THE BOTTOM OF POOLS.

Some lifeguards are charged with vacuuming the bottom surfaces of pools, which usually produces a composite muck in the canister that Marek refers to as a “diaper”: It’s typically full of hair and gray sludge. But things can get worse. Much worse. “At the summer camp I work at, I've had the pleasure of fishing dead things out of the strainer baskets,” he says. “Frogs and rats. Having seen what comes out of those pools, let's just say that I'm not a big fan of recreation swimming anymore.”

5. THEY DISLIKE LANE HOGS.

Some regulars who use private pools as part of their fitness routine can get a little too self-confident in their skills. “Narcissistic lap swimmers” are a pet peeve of Paul’s. “They can't share lanes and always brag about how they're the best damn person in the pool. It's like, man, I've seen 5-year-olds with a better breast stroke.” (Another way to get on a guard’s bad side: sitting over a lane and dangling your legs in.)

6. THEY’RE NOT ABOVE PEEING IN THE POOL.

It’s a testament to how potent the chemicals are in pools that some lifeguards offering swim lessons don’t mind relieving themselves when nature calls and they don’t feel like getting out. “I know plenty of swim instructors who will relieve themselves in the pool because they don't have much time between lessons and they might be stuck in the water several hours,” Marek says. “One of my former coworkers, and a good friend, has always said that there are two kinds of people in the world. Those that pee in the pool, and those that deny it."

7. IT'S HARD TO PREDICT WHEN TROUBLE WILL STRIKE.

While some lifeguards subscribe to a 15-minute rule—most questionable swimmers are going to get themselves into trouble within 15 minutes of entering the water—Paul cautions that there are always exceptions. “If you're a weak enough swimmer that you would have a problem, you're going to have that problem pretty quickly,” he says. “Though that is only most of the time. Some people get tired and get into trouble later on and some people have heart attacks halfway through their swim. You've got to be ready for anything.”

8. NOSEBLEEDS ARE COMMON.

Irritated nasal passages can be a problem at pools, which means that lifeguards are frequently charged with handling biohazards on or near the deck. “We see a lot of nosebleeds,” Darrell says. “We cover the areas with signage. Hopefully the patron has found a guard quickly if we didn't see it and hasn't left a 50-foot trail of blood on the deck. We then spray the blood with a disinfectant solution designed to kill blood-borne pathogens, wait 10 minutes, then hose directly with water.”

9. THERE’S A PROTOCOL FOR POOP.

It’s the emergency every lifeguard dreads: a fecal deposit in a pool full of swimmers. When that happens, it’s time to “shock” the pool by turning it into a chemical bath. According to Darrell, who considers himself a “poop whisperer,” solids come out first. “Dispersed poop? Everyone out. Scoop and vacuum. The pool is closed for a minimum of eight hours as we now have to chemically burn the water. [That means] basically bringing the chlorine levels up to where even cockroaches would die.” Vomit is slightly less dire: the pool is closed for 30 minutes while the chlorine goes to work.

10. A CROWDED POOL CAN BE SAFER.

The more patrons in the water, the harder it might be for a lifeguard to keep track of everyone. But, Marek says, having too few people can be just as much of a problem. “Crowded pools have the benefit of holding your attention better. If you've got two patrons in the water, it's easy to get bored and zone out."

11. ARM BANDS REALLY ANNOY THEM.

Those inflatable arm bands worn by children? Lifeguards hate them. “They may pop, which would probably be unusual, or they may leak slowly,” Darrell says. “But that's not the real danger. Although they will keep a small child afloat, this is assuming the child has the strength to keep their arms down in order to keep their head above water.”

12. THEY DOUBLE AS JANITORS.

At Paul’s private pool, lifeguards are expected to perform tasks that would usually be reserved for a maintenance crew. “Cleaning is a part of the job,” he says. “Many pools don't have janitors so the bulk of making sure the pool looks presentable is up to the lifeguards.” They’ll even set up tables for parties and clean the bathrooms.

13. THEY HAVE STRATEGIES TO KEEP FROM ZONING OUT.

Guards have all kinds of tricks for not letting their attention wander from swimmers: they keep their shoulders square with the pool, they count how many times a song plays on the radio, and they rotate positions every 15 minutes. “A wandering mind is a dangerous thing to have while actively guarding,” Darrell says. “I count patrons. I go through scenarios in my mind.” Cell phones are usually prohibited: getting caught with one can be grounds for termination.

14. POOL NOODLES ARE THE BANE OF THEIR EXISTENCE.

While people are welcome to bring their own noodles to public pools, Darrell prefers they didn’t. Instead of being used as flotation aids, they wind up getting used as chew toys. “They end up with bite marks and chunks ripped out of them,” he says. “I often wish we could purchase noodles made out of foam that tastes like something rotten to discourage this.” Darrell will not directly seize a noodle from a tiny guest, but if he happens to see one abandoned, he will grab it. And he will not be sorry.

15. THEY’RE NOT BABYSITTERS.

“I think my single biggest peeve when it comes to guarding is parents who assume that we are there to babysit their children for them,” Marek says. “Nothing could be further from the truth. Lifeguards are there to supervise and ensure a safe, and hopefully fun, environment for all. It's incredibly selfish and irresponsible to assume that we are there to watch your one child when we've got hundreds of other people to keep track of. We are there to mitigate risk and respond if something does happen, not to babysit.”

All images courtesy of iStock.

This story originally ran in 2016.

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10 Secrets of Ice Cream Truck Drivers
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Ever since Good Humor founder Harry Burt dispatched the first jingling ice cream trucks in Youngstown, Ohio, in 1920, kids and adults alike have had a primal reaction to the sight of a vehicle equipped with a cold, sugary payload. Today, ice cream trucks spend May through October hoping to entice customers into making an impulse beat-the-heat purchase. To get a better idea of what goes into making ice cream a portable business, Mental Floss spoke with several proprietors for their take on everything from ideal weather conditions to police encounters. Here’s the inside scoop.

1. IT CAN GET TOO HOT FOR BUSINESS.

The most common misconception about the ice cream truck business? That soaring temperatures mean soaring profits. According to Jim Malin, owner of Jim’s Ice Cream Truck in Fairfield, Connecticut, record highs can mean decreased profits. “When it’s really hot, like 90 or 100 degrees out, sales go way down,” Malin says. “People aren’t outside. They’re indoors with air conditioning.” And like a lot of trucks, Malin’s isn’t equipped with air conditioning. “I’m suffering and sales are suffering." The ideal temperature? "A 75-degree day is perfect.”

2. THEY DON’T JUST WANDER NEIGHBORHOODS ANYMORE.

An ice cream truck sits parked in a public spot
Chunky Dunks

The days of driving a few miles an hour down a residential street hoping for a hungry clientele have fallen by the wayside. Many vendors, including Malin, make up half or more of their business by arranging for scheduled stops at events like weddings, employee picnics, or school functions. “We do birthday parties, church festivals, sometimes block parties,” he says. Customers can pay in advance, meaning that all guests have to do is order from the menu.

3. SOME OF THEM DRIVE A MINIBUS INSTEAD OF A TRUCK.

For sheer ice cream horsepower, nothing beats a minibus. Laci Byerly, owner of Doodlebop’s Ice Cream Emporium in Jacksonville, Florida, uses an airport-style shuttle for her inventory. “Instead of one or two freezers, we can fit three,” she says. More importantly, the extra space means she doesn’t have to spend the day hunched over. “We can stand straight up.”

4. THEY HAVE A SECRET STASH OF ICE CREAM TO GIVE AWAY TO SPECIAL CUSTOMERS.

Customers line up near an ice cream truck
Andrew Cowie, AFP/Getty Images

The goal of any truck is to sell enough ice cream to justify the time and expense of operation, so freebies don’t make much sense—unless the truck happens to have some damaged goods. Malin says that it’s common for some pre-packaged bars to be broken inside wrappers, rendering them unattractive for sale. He sets these bars aside for kids who know the score. “I put them in a little box for kids who come up and ask if I have damaged ice cream,” he says. “Certain kids know I have it, and I’m happy to give it to them.”

5. THEY’RE CREATING CUSTOM ICE CREAM MENUS.

An ice cream nacho platter is shown
Chunky Dunks

While pre-packaged Popsicles and ice cream sandwiches remain perennial sellers, a number of trucks are mixing up business by offering one-of-a-kind treats. At the Chunky Dunks truck in Madison, Mississippi, owner Will Lamkin serves up Ice Cream Nachos, a signature dish that outsells anything made by Nestle. “It’s cinnamon sugar chips with your choice of ice cream,” he says. “You get whipped cream, too. And for the ‘cheese,’ it’s a caramel-chocolate sauce.” The nachos work because they’re “streetable,” Lamkin’s label for something people can carry while walking. “The next seven or eight people in line see it, and then everyone’s ordering it.”

6. THEY DON’T ALWAYS PLAY THE ICONIC JINGLE.

Before most people see an ice cream truck, they hear that familiar tinny tune. While some operators still rely on it for its familiarity, Malin and others prefer more modern tracks. “Normally we play ‘80s rock,” he says. “Or whatever we feel like playing that day. We rock it out.”

7. POP CULTURE CHARACTERS ARE SOME OF THEIR BEST SELLERS.

A Captain America ice cream treat
Doodlebop's

While adult customers tend to favor ice cream treats they remember from their youth, kids who don’t really recognize nostalgia tend to like items emblazoned with the likenesses and trademarks of licensed characters currently occupying their TV screens and local theaters. “Characters are the most popular with kids,” Byerly says. “SpongeBob, Minions, and Captain America.”

8. THEY KEEP DOG FOOD HANDY.

At Doodlebop’s, Byerly has a strategy for luring customers with pets: She keeps dog treats on hand. “The dog will sometimes get to us before the owner does,” she says. “If the dog comes up to the truck, he’ll get a Milkbone.” That often leads to a human companion purchasing a treat for themselves.

9. SOMETIMES RIVALS WILL CALL THE COPS.

Though there have been stories of rogue ice cream vendors aggressively competing for neighborhood space over the years, Malin says that he’s never experienced any kind of out-and-out turf war. Ice cream truck drivers tend to be a little more passive-aggressive than that. “I have a business permit for Fairfield, so that’s typically where I’m driving,” he says. “But sometimes I might go out of town for an event. Once, a driver pulled up to me and asked if I had a permit. I said ‘No, I’m just here for an hour,’ and he said, ‘OK, I’m calling the cops.’ They try and get the police to get you out [of town].” Fortunately, police typically don’t write up drivers for the infraction.

10. SOME LUCKY CUSTOMERS HAVE AN APP FOR HOME DELIVERY.

An ice cream truck driver looks out of his window
Roger Kisby, Getty Images

Technology has influenced everything, and ice cream trucks are no exception. Malin uses an app that allows customers to request that he make a special delivery. "People can request I pull up right outside their home," he says. If their parents are home, there’s one additional perk: "I accept credit cards."

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