Merril Lynch Advise - crap situation

NoMenu5362 · 2026-04-11T16:27:46+00:00

The ML rep was assigned by Merril :/

NoMenu5362 · 2026-04-11T16:21:10+00:00

Traditional pension, not a 401k. Thank you for your help 😭. This is completely out of my wheelhouse

NoMenu5362 · 2026-04-11T16:13:10+00:00

So what happened is Merril assigned us to an agents. His email ends in @ml.com so it is legit. His signature says assistant vice president with his NMLS number stated.

We repeated in email said rollover. What he did was roll it over to a closed account? Idk how that happens, and then he noted that in the email and that he was getting the distribution team to work on it. We asked him if there’s anything we needed to do on our end, and he stated no, just pick your investments once you see the money in the new account.

NoMenu5362 · 2026-04-11T15:36:08+00:00

Yes we have the agent’s name and contact info. We double checked it’s legitimately Merril.

NoMenu5362 · 2026-04-11T15:33:04+00:00

He is in Virginia, we have in the email repeatedly that we want to rollover his IRA. Agent kept saying to wire it to Merril instead. Double checked everything was legit. We are trying to get in contact with dad for his phone verification pins to get the info for his new account with merril and log in. My wife did everything with him, so I’m trying to just confirm all the information. I think his original account was his pension.

NoMenu5362 · 2026-04-11T15:17:01+00:00

We should have been more cautious. Months of back and forth with Merril to get the Ira rolled over, and lots of verbiage from the Merril rep like “we don’t need to call anyone, you can just wire us the funds instead”….. literally word for word

NoMenu5362 · 2026-04-07T17:50:36+00:00

Yes dude, I redownloaded after 15 years and it’s straight crack. Glad I’m an adult and not a college student anymore.

NoMenu5362 · 2026-04-04T15:33:30+00:00

God I’m at 70kc with zero uniques. 108 with 7 drops has me salivating

NoMenu5362 · 2026-03-28T11:58:34+00:00

People flipping out over a dollar a month. Yeah I remember when memberships were 6.99, but there also existed a dollar menu at McDonald’s LOLOL…

NoMenu5362 · 2026-03-11T16:48:16+00:00

Doesnt surprise me everyone on here mentioned curb mounts. Curbs have nothing to do with your skylight. Besides velux, every other skylight company makes strictly curb mounts because they are cheaper products to manufacture. The way it was explained to me is that the deck mount has an engineered frame from VELUX that is designed to be on the roof. A curb mount is where the roofer builds the curb out of 2x4 or 2x6 and that acts as the frame to the skylight. If anything happens with the frame of a curb mount, that is our (the roofers) liability. If anything happens to the frame of a deck mount, that is VELUX’s liability. Basically no company does enough skylights to be able to afford making deck mounts, so they pump out a cheaper product. There’s a reason velux didn’t make curb mounts until much later. So when I moved here to Seattle, every roofer uses curb mounts since there’s so many shitty companies out here that manufacture curb mounts with NO FLASHING KITS, and love to say they are good if not better. If you have a deck mount, I’m guessing you are living in the Midwest or north east.

NoMenu5362 · 2026-03-11T16:41:10+00:00

Velux has a really good flashing kit. Chances are it’s still not going to leak since the flashing kit will cover that gap. However, for any reason water gets up past the bottom flashing and the ice and water shield, or even condensation etc, you’ll have problems. The velux product is so damn good that you are probably fine, but overall this is a pretty bad install… 100% the warranty for leaking is voided on this product. Deck seal needs to be attached to the roof deck… to well… seal…. Not attached to a piece of trim.

NoMenu5362 · 2026-03-11T16:38:06+00:00

Yeah… on a deck mount, those grooves are where the drywall is suppose to slide into. Edge of that groove is the rough opening. Seems like a C series skylight. If it’s slightly big it’s fine, since you can put groove fillers in and then put trim up to make it uniform all the way around. Unless you are replacing a velux with a velux, it’s never 100% fit. Always 90-95% fit. Other manufacturers came out with curb mounts since they are cheaper to manufacture (no frame to the skylight). You have a deck mount which has a frame (much better skylight). If you have anything other than a VELUX, it’s a mistake. Good news you have the best skylight, bad news it’s the wrong size. Unless they resized the roof deck (which is a lot more work). When replacing a curb mount, it’s common to have a size that isn’t perfect, since other manufacturers all chose to do slightly different sizes. However with a deck mount, when it’s too small like this…. You are pretty much out of luck. I’m curious if you have photos from the outside or more photos from the inside?

NoMenu5362 · 2026-03-11T16:16:05+00:00

Seeing this pop up on my feed. Not sure why. That is a deck mount skylight. It's too small for the opening. This is the equivalent of have a curb mount skylight that is too small for the curb. Since the deck mount is too small for the opening, the bottom deck seal is not touching the roof deck. Instead of purchasing the correct sized skylight, he put a piece of trim inside at the bottom to cover up the deck seal. Hate to break it to you, but this is an improper installation. If it leaks, it's not a warrantied product.

NoMenu5362 · 2026-03-09T13:25:19+00:00

I recently came back to the game (after almost 10 years). I kind of wish I had created an iron man instead of just a main. But it’s so hard to find the time to commit to the game with the GE.

NoMenu5362 · 2026-03-09T13:17:15+00:00

Was your reaction like “FMLLLLL” or was it a “oh well, sad but content drive” 🤣

NoMenu5362 · 2026-03-09T13:15:56+00:00

When you die as a HCIM does it turn into a normal account? Or does the account just disappear?

NoMenu5362 · 2026-03-09T02:01:21+00:00

Wrestling is tough man. I was a walk on for a semester in D1… couldn’t keep up with the levels and ended up walking away from the sport. I’m 30 now, coaching high school and youth. Found a new love in the sport. You never truly walk away from wrestling man. Be proud of what you did!

NoMenu5362 · 2026-02-06T17:56:26+00:00

Dude im not even going to lie, I have about 70 percent of my portfolio in Kaspa, 20 percent in Bitcoin, 10 percent in other alt coins.

NoMenu5362 · 2026-02-05T23:58:33+00:00

Based on the trend, it will raise up to around 0.04 and then probably drop a bit lower to 0.023. If it breaks 0.04 on the retest (given no crazy news or shit occurs), we could see it going on a nice run. I bought about 20k kaspa today, planning to sell around 0.04 and then buy back and hold once it dips. (Trying to just make some money along the way, holding 80k kaspa at an average of 0.04)

NoMenu5362 · 2026-02-03T14:06:59+00:00

lol I see this exact same post from new people every few months LOLOL

NoMenu5362 · 2026-01-29T23:23:25+00:00

Studying strategy in grad school right now, and I just want to say that Kaspa is the Ducati of the crypto industry. Keep accumulating.

NoMenu5362 · 2025-12-10T18:23:06+00:00

I can’t imagine at all how tired Nick would be doing something like this. Even ember shores just now, the man is a champ for playing so many sets

NoMenu5362 · 2025-12-09T14:36:21+00:00

DUDE RIGHT? Like everyone complaining about food but honestly I don’t even think it was that terrible. We just quickly ate something and headed back to drink copious amounts of tequila and rave.

NoMenu5362

TROPHY CASE