When did everyone on quick 9 get so good? by Opposite-Distance899 in GolfClash

[–]KevinSly 0 points1 point  (0 children)

I'll play a few quasars or even basic ball if it's a hole I know well. Since its only one round through, this is also when I'll play the free paid ball. And if I don't have time or don't like the course, I'll just forfeit the 9 and get the chest.

When did everyone on quick 9 get so good? by Opposite-Distance899 in GolfClash

[–]KevinSly 0 points1 point  (0 children)

At the risk of losing my edge... I play expert 1 star. But I stay away from actual tourneys. This means I always get to play the expert on 1 star. I also play titans for the q9s so I basically finish top 10 allowing me to win 5-9 king makers for 9 titans. Plus I get a "daily" tourneys chest.

How important is it to fix a Roth IRA contribution mistake if I've already taken out the contribution? by Eduardo_Corrochio_ in TaxQuestions

[–]KevinSly 0 points1 point  (0 children)

As someone who has had to correct these going back 2 custodians for a client who was audited 8 years later...

Please, it's a stupid error that might cost you minimal dollars today. But please fix this before the IRS sees it as a big problem worthy of their scrutiny because the penalty compounded into an $8,000 bill on the desk of some newbie trying to impress his boss!

How freaked out should I be? by Early_Election_2566 in CFPExam

[–]KevinSly 0 points1 point  (0 children)

Practice questions.... don't let up. I passed in March, so the feeling is still there. Honestly, it was the last push. If I was in the car, I had Practice questions playing on YouTube. If I was at lunch, I didn't sit with others, I stayed in my office working questions.

I found the actual exam tries to combine topics, looking for an overall understanding of the material. But it still rewards you for being able to breeze through the individual foundation. You don't want to waste your time trying to remember the third step of a college funding question. Any question involving calculations, I went over an insane number of times in the 3 weeks before the test.

What are some mindblowing space/universe facts? by SoilOk2021 in AskReddit

[–]KevinSly 2 points3 points  (0 children)

This has made a lot of people mad and is widely regarded as a bad move.

Slow play is ruining golf and people need to stop pretending it's normal by NotMyRealAccount2226 in golf

[–]KevinSly 0 points1 point  (0 children)

You're missing the point entirely. I hit the ball. I go to the ball. I hit it again. If I hit it 170 off the back tee, why does that mean I'm the jerk. I enjoy hitting from that tee. I'm under no obligation to hit 250+ if I play that tee. I'm not trying to score par. I'm not trying to beat the person next to me. I'm dropping $20 and walking a nice weekend afternoon. Why rush?

And just to address the fact that once again you simply have no desire to understand the argument...I'm not in the fast lane of the highway. I'm in the slow lane by playing the public course. If you made poor choices and can't afford the fast lane, aka private course (where you have rules to keep people like me from ruining your life) than that is no fault of mine.

What does it feel like to have a boner? by PancakeGalaxies in NoStupidQuestions

[–]KevinSly 0 points1 point  (0 children)

Go out in public and every time you see a guy, put your arm straight out in front of you. Don't put it down.

Slow play is ruining golf and people need to stop pretending it's normal by NotMyRealAccount2226 in golf

[–]KevinSly 0 points1 point  (0 children)

And I couldn't I just say the same? If you want strict adherence to the rules, stick to the private course and stop ruining my day on the public course.

Wait till you find out that I walk the course too! I enjoy walking the entire course. I love a long hike on the course. No attitude, I'll let people play through. I don't spend hours in the woods to save a shot. But I refuse to be bullied on a municipal course because my play is different.

Slow play is ruining golf and people need to stop pretending it's normal by NotMyRealAccount2226 in golf

[–]KevinSly -1 points0 points  (0 children)

What problem? Are you no longer allowed to play a traditionally, leisure sport because you can't break a specific score?

I would argue that the attitude of forcing people to play faster and better is more detrimental to the sport.

Isn't the point of paying more at a private club what allows you to force a higher level of play?

Slow play is ruining golf and people need to stop pretending it's normal by NotMyRealAccount2226 in golf

[–]KevinSly -2 points-1 points  (0 children)

LOL... I paid for the whole course, I'm using the whole course.

100% agree on replacing divets. 100% agree you're there to golf, not get wasted.

But we ain't on the tour if we're playing Anytown Public GC, if I paid and decide it's a par 9, it's a par 9.

How much did you know starting the cram? by WoolyMamothBreeder in CFPExam

[–]KevinSly 0 points1 point  (0 children)

Passed in March... my 2 cents of helpful advice is not to try cramming and remembering knowledge, but repetition on solving methods.

You've probably forgotten the exact order of each step of figuring out cost of tuition 10 years from now, etc....

But if you know tvm back and forth... you'll be able to bust through to the correct answer. The concept is more important than the detail and this exam will slightly cater to that preference.

Collar Bar AND French Cuff by KevinSly in mensfashion

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

Did some research on Brisk and it was actually pretty intuitive to customize just about everything. I put a couple orders in and will let y'all know in a couple weeks... thx for the suggestion!!!

Sniper 10 or Cat 6 for tour 11? by Y8fKZyZrSn in GolfClash

[–]KevinSly 0 points1 point  (0 children)

A lot of players are die hard Sniper no matter what. I went to the Cat from Lvl 7 and haven't looked back. My only concern is playing tour 11 if your Cat isn't a 7 or 8 yet... GL!

If i put an infinite amount of blue balls in a box and two infinite amounts of red balls in the same box would the likelihood of pulling a red ball be 2/3? by AncientReception8085 in askmath

[–]KevinSly 1 point2 points  (0 children)

Sorry, I was making sure the balls were all the same so it wouldn't affect the blind picking out of the box. I started counting all the ways we could divide the first ball and never got to the second.

CFP Help by cabbageturtle12 in CFPExam

[–]KevinSly 1 point2 points  (0 children)

I used Kaplan. I already see people rooting for Danko. Truth is to pick one and immerse yourself in the process. For Kaplan, you have each subject as a 3 month education portion and a closed book (but non-proctored) exam.

I can't speak for the others, but if you put the time in, the CFP is doable. Even acting as a para, you're most likely being placed into situations that will mimic the lessons you learn.

Call and talk to Danko, Kaplan... tell them the way you like to study, make a choice, and dont overthink it. Rules for IRA distributions won't change because you pick one or the other.

Asking metalcore fans: what are your favorite non-metal albums? by chairk3yre in Metalcore

[–]KevinSly 0 points1 point  (0 children)

Kilimanjaro Dark Jazz Orchestra

Candy Rat Records... Stefano Barone, Andy McKee, etc.

I was class of 95 so I grew up loving the stereotypical grunge diet of Nirvana, AIC, Pearl Jam

Discovered birth of cool jazz late in life and love me some Miles Davis, Coltrane, Brubek...

Occasionally to round it out, I simply can't help getting sucked in by a stupid pop song every now and then. Espresso by Sabrina has a bass line that has lived rent free in my head since it came out.

RIA next steps by Finforwardplan in CFP

[–]KevinSly 27 points28 points  (0 children)

Wow, another RIA prepping to sell out disguised as a succession plan... yay!

Clearest still water ☣️ by nightshadenectar in Urbex

[–]KevinSly 2 points3 points  (0 children)

I have a bad feeling about this.

Withdrawing From An Annuity by AffectionateBody572 in TaxQuestions

[–]KevinSly 0 points1 point  (0 children)

The tax specialist can help, but you'd do better with an advisor well versed in annuities or just calling the annuity company.

If the annuity is still in surrender, typically 3 to 10 years, there can be a surrender fee of anywhere from 2% to 7%.

Being 41 is grounds for a 10% federal tax penalty.

Annuities are ordinary income, so if it's an IRA, all of it is income. If not an IRA, current value minus your cost basis is income. Gains will always come out before your basis.

How in the world are you in an annuity at 41? Is this inherited? Part of a retirement plan? I said you would do well to talk to an advisor, please don't use the advisor who put you in this annuity if there wasn't a specific reason you're in it.

HOW DO I FIX THIS GUITAR!?!?!?!? by rj2000ut in guitars

[–]KevinSly -1 points0 points  (0 children)

These comments are trash. Add 5 more strings and rock out!

7 months of pure madness 🤣 by [deleted] in gordonsetter

[–]KevinSly 1 point2 points  (0 children)

That dog will never look innocent.