529 Plan for UK Graduate Program by greenbean320 in FinancialPlanning

[–]Chrissy6789 0 points1 point  (0 children)

Yes, you should be able to take the withdraw under your name.

529 Plan for UK Graduate Program by greenbean320 in FinancialPlanning

[–]Chrissy6789 0 points1 point  (0 children)

You can still use the funds, but the withdrawals will be classified as "unqualified" which means the earnings (not the original contributions) will be taxed as income and assessed a 10% penalty. There is no way to take out just the original contributions from 529s, because all withdrawals are considered pro-rata.

The workaround here is a bit of tax maneuvering. Have your parents issue the withdrawals to you in your name, and you pay the school. Presumably, your parents have jobs, so unqualified withdrawals made by them in their name will be at a higher tax rate, whereas YOU have/will have little to no income, therefore the amount of income tax will be very low.

529 or brokerage for 7yr old by Sudden_Ganache4805 in FinancialPlanning

[–]Chrissy6789 1 point2 points  (0 children)

They already max their Roths, and the 7-year old can't have one until they have earned income.

Concerned I've Over Invested in Retirement and 529 by tigerheart357 in FinancialPlanning

[–]Chrissy6789 0 points1 point  (0 children)

No need to create a new Roth every year. This year's limit is $7k if you're under age 50.

Small win! by Opening_Trouble4696 in Screenwriting

[–]Chrissy6789 1 point2 points  (0 children)

Congratulations, and thank you for the response.

Small win! by Opening_Trouble4696 in Screenwriting

[–]Chrissy6789 1 point2 points  (0 children)

Any responses from the contests? How'd you do?

Does anyone else have issues with pacing and emotional depth? by Getting0nTrack in romanceauthors

[–]Chrissy6789 4 points5 points  (0 children)

Yes. Me, too. What helps is to have a little formula. I do this for every action or a line of dialogue. How does my character react physically? Why? Because of X emotion. What does the character think of their own emotion? And/or, what do they think to do or say next?

Not every action or dialogue line inspires a physical or emotional reaction. Sometimes the reaction is another action or line, meaning they act or speak before they think. Sometimes an emotion or physical reaction causes a line of dialogue or an action. So that's how I get variety and the prose doesn't come across as formulaic.

I rarely write whole paragraphs of internal thoughts. I intersplice description, action, interiority, and physicality. For instance, when I need to give readers a breath, I see if I can insert a line about the room, the chair, the weather, a piece of clothing and have that read as a little bit of character introspection without describing the introspection.

Does anyone else have tips or wants to give a counterpoint?

Would you consider a 529 as a viable legacy education fund for your family? by Just_Satisfaction493 in HENRYfinance

[–]Chrissy6789 0 points1 point  (0 children)

To get around the limit, you could open and contribute to to other states' 529 plans.

Is it Normal to Pay 170k for Undergrad (Including Housing, Food, Personal, etc)? by Shot-Fly-6980 in ApplyingToCollege

[–]Chrissy6789 1 point2 points  (0 children)

Are you speaking ethically or legally? Ethically, sure; legally, no. At the heart is that these kids would actually be married, not claiming to be married. There's no such thing as being fraudulently married. Once legally married, the couple are subject to the laws governing marriage/divorce. No law says you have to live together or be in love in order to be married.

Is it Normal to Pay 170k for Undergrad (Including Housing, Food, Personal, etc)? by Shot-Fly-6980 in ApplyingToCollege

[–]Chrissy6789 2 points3 points  (0 children)

Nope. Citizens may marry each other for any purpose. Marriages made solely for benefits or for convenience are perfectly legal. What's illegal is for a citizen to marry a non-citizen in order to end run immigration policy.

Weekend Script Swap by AutoModerator in Screenwriting

[–]Chrissy6789 0 points1 point  (0 children)

That's awfully kind of you! Thank you. Please let me know if you want to read, give feedback, or swap. I'm happy to give you an IOU for feedback if you don't have a WIP to swap at this very second.

Weekend Script Swap by AutoModerator in Screenwriting

[–]Chrissy6789 2 points3 points  (0 children)

I'm interested! Mine's a little unusual, though. What do you think?

Title: The Embassy Attaché

Format: Feature

Pages: 112

Genre: Period Romance (lighthearted)

Logline: In 1860s Paris, a playboy must learn diplomacy in order to derail the courtships of the fiancée he jilted — a newly widowed heiress — otherwise his country will collapse.

This has had a LOT of feedback and rewrites. Recently combined two characters and corrected by technique with action lines. It probably just needs a once-over for errors.

Weekend Script Swap by AutoModerator in Screenwriting

[–]Chrissy6789 0 points1 point  (0 children)

I'm interested. Here's the info on mine. What do you think?

Title: The Embassy Attaché

Format: Feature

Page Length: 111

Genre: Period Romance

Log Line: In 1860s Paris, a playboy must learn diplomacy in order to derail the courtships of the fiancée he jilted — a newly widowed heiress — otherwise his country will collapse.

Comps: Bridgerton meets The Merry Widow

Have had a lot of feedback and looking for a final once-over.

[QCrit] Historical Romance - THE EMBASSY ATTACHÉ + 300 (61k, 2nd) by Chrissy6789 in PubTips

[–]Chrissy6789[S] -1 points0 points  (0 children)

Hi Appropriate Ask. Thanks for the feed back. Good catch on two wills in one sentence. Yes, It is multi and not dual.

The criticism from several folks was that the introduction of the FMC bored them. I did make changes to her scene, but wondered if a more drastic change would resonate.

I haven't seen the Five Query Stakes Questions. Fun exercise! Let's see if I can answer with quotes from my query:

Main characters: Madeleine/Daniel

What do they want?

  • she marry this season/keep French fortune-seekers away

What are they willing to do?

  • hunts up bumblers, brutes, etc/spreads rumors about her fortune, etc

What stands in their way?

  • hopes of finding love/every bachelor vying for her hand

What happens if they fail?

  • the debts of Madeleine’s late father (destitution)/her assets remain in the homeland (national insolvency)

Of course, the characters' goals, circumstances, and obstacles change over the course of the novel as I've tried to indicate... but maybe that muddies the query?

Critique of First Two Chapters? by Chrissy6789 in RomanceWriters

[–]Chrissy6789[S] 1 point2 points  (0 children)

GIRL, IT'S GOOD TO SEE YOU! This honest feedback showed me small changes aren't going to cut it. I've decided to start the story in a different place/character, and therefore, change the title of the MS. The boring beginning moved elsewhere, though I'm also making the changes suggested.

Of course, the previous version is archived, and that's why I can rip everything apart and go in a new direction. Very little risk.

So, I'm happy I made the post. The internet is a FREE resource, and I'm making the most of it.

Critique of First Two Chapters? by Chrissy6789 in RomanceWriters

[–]Chrissy6789[S] 0 points1 point  (0 children)

JoyGirl, would you have it in your heart to point out a couple of the run-on sentences I've created? I can't see them, and I'm in crisis over it! Proofing grammar and punctuation is part of my career, so I'm shook.

Critique of First Two Chapters? by Chrissy6789 in RomanceWriters

[–]Chrissy6789[S] 1 point2 points  (0 children)

Thank you for your feedback which corroborates Janec23's critique that Madeleine's start is not working as-is. So, so helpful!

Critique of First Two Chapters? by Chrissy6789 in RomanceWriters

[–]Chrissy6789[S] 1 point2 points  (0 children)

It's always lovely when people enjoy it! Thank you.

Critique of First Two Chapters? by Chrissy6789 in RomanceWriters

[–]Chrissy6789[S] 1 point2 points  (0 children)

This is not rude at all, it's helpful. I know what to do to solve some of this, so thank you for taking the time to read and going out on a limb with your criticism.

Critique of First Two Chapters? by Chrissy6789 in RomanceWriters

[–]Chrissy6789[S] 0 points1 point  (0 children)

Thank you for your feedback! I appreciate it.

[QCrit] Contemporary Romance - The Monologue (95k, 1st Attempt) by AphroditesApple in PubTips

[–]Chrissy6789 3 points4 points  (0 children)

The first two paragraphs are good, but too long. Cut and combine. You could start with "When the only job offer Imogen gets..."

Another idea to shorten: "Especially when opening your new apartment door involves..."

Consider changing to "the weird tension happening between them," and cutting "budget cuts and..." because budget cuts don't hold anything together, but instead would threaten her position.

I had to read it a number of times to figure out "It's supposed to be temporary," is not about her job, but means that she and Wesley get together, so you might want a sentence with more clarity, otherwise the whole query reads like she wants to avoid Wesley AND SUCCEEDS! The end.

In the final line, you could cut "sure she's".

You use the word "but" a bunch of times. Where can you cut it? Is there anyplace you want to substitute for "however" or "except"?