Meaty0 wrote in post #4937143
I'm tellin' ya....that Ladybug is in dire need of a Gillette...and then a wax and polish.
Ahh, denial. I checked here
and it says that "seeing smooth ladybugs appearing fuzzy is the first sign". And we all know how accurate the Wiki is - the source of truth......
Oh - hang on - reading between the lines, it mentions that lack of caffeine is also likely to cause fuzziness. Solution - a short macchiato..... 
Nick C. wrote in post #4937165
Sidebar please David

- How does one go about becoming a financial planner? Is a specific degree required or does it mainly involve diploma level courses?
Degree helps in a related subject, but to become Certified Financial Planner nowadays you do the first eight modules (takes about 2 years) then a further 5 (I think) advanced modules to get CFP status - another two or so years worth.
Luckily I completed mine (Deakin Uni) when only 8 subjects were required 
Being CFP makes sense, as it's when the income reflects the level of study completed, although most financial planners don't have that level of education - usually you can start planning after completing five of the eight subjects.
Oh, CFP also requires three years of industry experience, too.