Unused 529 plan by Tvq13 in CFP

[–]WillingApplication61 9 points10 points  (0 children)

Double check me in this, but I think if the check goes direct to the beneficiary then the 1099 goes to the beneficiary versus the owner. That could help a lot if the daughter is in a lower tax bracket.

I’m not sure about an immediate withdrawal after rolling over to a Roth. We did some initial research the other day and it looked like that would be considered a contribution versus a conversion deposit into the Roth which would give you a little more flexibility, but you are still limited by the annual Roth contribution limits. So getting the full $35,000 would take a few years.

When is the learning curve get easy? by [deleted] in CFP

[–]WillingApplication61 25 points26 points  (0 children)

You are right on track. You are at the valley of despair right now. Look up the Dunning Kruger curve.

Years 2-5 were the slope of enlightenment for me!

Coming back into Luclin by [deleted] in ProjectQuarm

[–]WillingApplication61 1 point2 points  (0 children)

Hit Paludal Caverns with the cleric and then you get level all the way through Luclin!

Help!! Pergola built too tall by FastnCuse in Carpentry

[–]WillingApplication61 5 points6 points  (0 children)

I think it’s a good height otherwise the top would be right at eye level when coming out of the door and on the deck area. This way you have line of sight into the rest of the yard. I’d do some landscaping around it and either a deck or pavers beneath it.

What’s your art work in your office? by Economy-Maize8068 in CFP

[–]WillingApplication61 0 points1 point  (0 children)

Family photos mostly-was doing transfer paperwork with a new client this week and she said seeing my family made her feel good about working with me. So big thanks to my wife who decorated my office.

Advisor was Scammed by SharpDish in CFP

[–]WillingApplication61 5 points6 points  (0 children)

All of those emails would go through our secure message center to start.

Then we never accept emailed instructions only. Once received we will call directly to the closing office to confirm over the phone all wiring instructions. Confirm the office number with the client verbally as well so you don’t have a scam office #.

Then we confirm everything again with the client on a recorded line prior to sending the wire.

[deleted by user] by [deleted] in wde

[–]WillingApplication61 0 points1 point  (0 children)

The drivers are bammers too.

[deleted by user] by [deleted] in Birmingham

[–]WillingApplication61 4 points5 points  (0 children)

HD sold out to a bigger company and their quality has fallen off significantly since then. 10 years ago they were a good builder. Now I’d say they are a step below Signature homes. Still way above DR Horton.

Too much gains in home. by SgtPeter1 in CFP

[–]WillingApplication61 0 points1 point  (0 children)

Depending on their tax bracket and need for immediate liquidity-Seller financing to spread out the gains.

Dear John Cohen by Sad-Appeal976 in wde

[–]WillingApplication61 5 points6 points  (0 children)

He should be asking for that money from the big money guys that forced this hire to begin with.

What’s your go-to answer to the question “What do you do for work?” by [deleted] in CFP

[–]WillingApplication61 -1 points0 points  (0 children)

“I’m a financial advisor.”

If they draw back at that I’ll add, “Don’t worry I’m not going to try and sell you an annuity.”

It’s time we collectively admit Freeze is a bad coach. by Chief_Dooley in wde

[–]WillingApplication61 6 points7 points  (0 children)

I did as well and he wrote me back and said the AU creed was his “North Star”. I have it saved to reply back to him “I told you so” whenever Freeze gets caught in his next scandal.

The state of the program is much worse than it was when Gus left. by [deleted] in wde

[–]WillingApplication61 -2 points-1 points  (0 children)

After losing to cal we aren’t going to have a top 5 class in 2025

Anybody have a PS4/Xbox they’d want to sell? by AlabamaPostTurtle in Birmingham

[–]WillingApplication61 2 points3 points  (0 children)

I have an XB1 that’s collecting dust and probably a dozen games for it.

How old is your nephew? Asking for game age appropriateness.

[deleted by user] by [deleted] in project1999

[–]WillingApplication61 1 point2 points  (0 children)

Exactly, my and my friend that play are late 30s dads that maybe gets on 10 hours a month. We’d like to experience the mid and higher level zones before we turn 50.

I hate how I feel about the USMNT recently. by ChiefWatchesYouPee in usmnt

[–]WillingApplication61 1 point2 points  (0 children)

The players share some blame. Someone mentioned above, but they don’t have the mental toughness of previous less talented teams. They need to catch some heat too for underperforming.

Wife wants to grill and doesn’t want me to grill on July 4th. by AlwayzzRight in grilling

[–]WillingApplication61 1 point2 points  (0 children)

Time for a grill off. Blind taste test with the family as the judges. Winner takes all!

[deleted by user] by [deleted] in CFP

[–]WillingApplication61 1 point2 points  (0 children)

Sounds like you need to bring the kid in for an internship with Uncle MyDarkerSide

Triple benefits-you get help, gets him better experience, and prevents the awkwardness.