Search found 52 matches

by S4C5
Sun Aug 02, 2020 2:52 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA screwup - help...
Replies: 5
Views: 447

Re: Backdoor Roth IRA screwup - help...

The current balance is $1.98. I've already rolled $6000 for tax year 2020 into the ROTH IRA account. I didn't think I was allowed to roll over any more than $6000, correct? So what do I do with that $1.98? The other issue is that the H&R block software asks me if I converted all of my traditional IR...
by S4C5
Sun Aug 02, 2020 2:26 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA screwup - help...
Replies: 5
Views: 447

Backdoor Roth IRA screwup - help...

I am doing my taxes from 2019. In February 2019, I contributed $5500 to my traditional IRA for tax year 2018 and $6000 for tax year $2019. I then rolled all these over into my separate Roth IRA account so that the balance in my traditional account was ZERO. However, because the account is held in Fi...
by S4C5
Mon Jun 22, 2020 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate closing - what time of day of closing does ownership transfer?
Replies: 31
Views: 1686

Real estate closing - what time of day of closing does ownership transfer?

My closing is on Friday. It will be done remotely as I have to work all day about 3 hours away. Everything is moved out of the house except for an expensive exotic car that I did not want to put on the street and a motorcycle in the garage. As I will not be present for closing, I plan on coming back...
by S4C5
Mon Dec 30, 2019 4:25 am
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

Again, I wasn’t very motivated to sell last summer. I ended up needing to live in the house until October. Buyers thought I was desperate when I wasn’t. I can afford a second home. And again, the house is well above median for the zip code, so it’s gonna take longer to sell due to less showings. Thi...
by S4C5
Sun Dec 29, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

Can I approach my agent and tell her that if she brings me a buyer I will cut her a check in her name for 2% of the purchase price? Or will Century 21 not allow her to do a side deal on her own? So this agent, who is so "asinine," "out of line," "disagreeable," "unprofessional" and "unfortunate" (y...
by S4C5
Sun Dec 29, 2019 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

Can I approach my agent and tell her that if she brings me a buyer I will cut her a check in her name for 2% of the purchase price?

Or will Century 21 not allow her to do a side deal on her own?
by S4C5
Sun Dec 29, 2019 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase of real estate without broker - who should get theoretical savings
Replies: 22
Views: 1158

Re: Purchase of real estate without broker - who should get theoretical savings

Why should the default scenario be a 6% commission? Situation is somebody sets a price and somebody else pays it. If they feel the price should be lower due to added hassle without using a middleman, then negotiate what that’s worth and adjust the price. Buyer is not entitled to a 6% discount. That ...
by S4C5
Sun Dec 29, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

It was listed in the summer. Not much traffic. I think I can do better in the late winter, early spring.
Again, no feedback I receive mentioned it being over priced.
by S4C5
Sun Dec 29, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

OP, your earlier posts indicate that you have a very high salary and the delta from selling at $450k vs $460k or even $490k is essentially insignificant-"slippage" in the parlance of my doctor friend. I do not understand why you chose to suffer the pain and wasted time of all this with your realtor...
by S4C5
Sun Dec 29, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

I think she would give you the termination agreement. My guess is she would rather not work with you either. She may want a stipulation that she gets commission if you eventually sell to either of the buyers she previously brought in. You should not use her photos if you relist. The photos are on Z...
by S4C5
Sun Dec 29, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

Here's some prospective advice (similar to the retrospective advice offered): Read the "termination agreement" closely. It might have some gotchas. Given she manged to grab a 365 day listing, getting a scot-free termination sounds nearly too-good-to-be-true (although her Lead Broker may have pushed...
by S4C5
Sun Dec 29, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

[ quoted posts removed by admin LadyGeek] Start taking responsibility for your actions (like reading an agreement before signing). And stop using over-the-top language like calling an offer 4% below asking "lowball" or the agent "asinine" or "out of line," when there's no evidence she has done anyt...
by S4C5
Sun Dec 29, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

OP, your earlier posts indicate that you have a very high salary and the delta from selling at $450k vs $460k or even $490k is essentially insignificant-"slippage" in the parlance of my doctor friend. I do not understand why you chose to suffer the pain and wasted time of all this with your realtor...
by S4C5
Sun Dec 29, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

I think she would give you the termination agreement. My guess is she would rather not work with you either. She may want a stipulation that she gets commission if you eventually sell to either of the buyers she previously brought in. You should not use her photos if you relist. The photos are on Z...
by S4C5
Sun Dec 29, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

Many years ago, when I had a house that was hard to sell, I offered an extra 1% commission to the buyer's agent. Not the buyer's brokerage, just the buyer's agent. This becomes part of the listing and the agents see it, but do not have to show it to their buyers. It sold in two weeks. I think every...
by S4C5
Sun Dec 29, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

I sent her three options: 1. Give me a termination agreement now. 2. List it for 469 until the agreement expires understanding that I won't offer more than a 1% concession to the buyer 3. Lower the commission to 5% and list it for 464. Wanna take bets on what she chooses? She chose option 1. Probab...
by S4C5
Sun Dec 29, 2019 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

I sent her three options: 1. Give me a termination agreement now. 2. List it for 469 until the agreement expires understanding that I won't offer more than a 1% concession to the buyer 3. Lower the commission to 5% and list it for 464. Wanna take bets on what she chooses? She chose option 1. Probab...
by S4C5
Sun Dec 29, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

The realtor did everything they were tasked with doing in your contract. Listed it for the price you and them agreed on. Delivered buyers, etc. But now you want to change the contract terms of an already executed contract. If I were the realtor, I would stick by the original contract. They have alr...
by S4C5
Sun Dec 29, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

There is a lot of emotion involved. Right, and in this case you've let it take over. Your responses are essentially the equivalent of pointing and laughing. Not exactly helpful. I'm not in a good situation and I'm trying to figure out how to come out of this as financially well-off as possible. My ...
by S4C5
Sun Dec 29, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

I find it laughable the realtor refuses to list at the price you ask for. Whether or not it is a smart move is irrelevant..the decision is yours. As suggested by one of the others, would take this up with the broker about filing a complaint and try to terminate the agreement. As for selling the hou...
by S4C5
Sun Dec 29, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

There is a lot of emotion involved. Right, and in this case you've let it take over. Your responses are essentially the equivalent of pointing and laughing. Not exactly helpful. I'm not in a good situation and I'm trying to figure out how to come out of this as financially well-off as possible. My ...
by S4C5
Sun Dec 29, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

The market is the market. I won't say it the skill of your agent is completely meaningless, but at the end of the day market conditions and the attractiveness of your property relatively to comparable ones (by size, location, etc.) are the main factors that determine what you get. Not exactly. I fi...
by S4C5
Sun Dec 29, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

Hi, I have a house that was listed for sale at $469k last May. My relator brought me two offers, both of which were in the 440-450 range. I need to sell it for about $460k to break even after commissions and closing costs. I bought it in 2014 for $435k, and it was a new construction home then. I ha...
by S4C5
Sun Dec 29, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

I don't think going FSBO is a good idea, since you signed a 365 day listing agreement in the first place. What makes FSBO a bad idea in light of the 365 day listing agreement? If I can get the listing agreement nullified, then what's the issue? "...IF..." Sure, IF you can get the agreement terminat...
by S4C5
Sun Dec 29, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

DrakeSRT wrote:
Sun Dec 29, 2019 2:27 pm
I don't think going FSBO is a good idea, since you signed a 365 day listing agreement in the first place.
What makes FSBO a bad idea in light of the 365 day listing agreement? If I can get the listing agreement nullified, then what's the issue?
by S4C5
Sun Dec 29, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

I think she would give you the termination agreement. My guess is she would rather not work with you either. She may want a stipulation that she gets commission if you eventually sell to either of the buyers she previously brought in. You should not use her photos if you relist. The photos are on Z...
by S4C5
Sun Dec 29, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Re: Home selling advice: Agent vs. FSBO vs. redfin

Since she can list it immediately and given the stupid 365 day contract, I am still wondering if it is in my best interest to keep doing business with this disagreeable and unfortunately realtor. I am thinking of kindly replying to her email (we had a blowout argument in the past) presenting three o...
by S4C5
Sun Dec 29, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Home selling advice: Agent vs. FSBO vs. redfin
Replies: 94
Views: 4737

Home selling advice: Agent vs. FSBO vs. redfin

Hi, I have a house that was listed for sale at $469k last May. My relator brought me two offers, both of which were in the 440-450 range. I need to sell it for about $460k to break even after commissions and closing costs. I bought it in 2014 for $435k, and it was a new construction home then. I hav...
by S4C5
Fri Nov 29, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a used car from a dealer without a title - sketchy?
Replies: 11
Views: 1820

Buying a used car from a dealer without a title - sketchy?

It is a used exotic from a "dealership" (seems to be a guy with a dealer license that buys exotics at auction and flips them online) that normally ships their cars to buyers out of state. Price is $40k. I paid him a 15% deposit via credit card 7 days ago and signed the standard dealership paperwork ...
by S4C5
Wed May 15, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Can we really afford $1.25M house?
Replies: 44
Views: 6263

Re: Can we really afford $1.25M house?

25000 student loans at a ~6% rate 50 months remaining on car loan at ~$1k/mo Home we are considering will require up to $100k in renovations, which we can do quite a bit cheaper as wife’s father is a contractor We spend approx $1k/mo on our pets (I know...) None of this makes any sense at all. The ...
by S4C5
Wed May 15, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 76
Views: 7254

Re: Buying a "new" car - Advice pls

The extremes on this thread are quite spectacular. On one end, you have people stating that your car should cost 1/250th of your worth and you should strive to spend <$2k on a car. And on the other end you have people stating that new cars actually cost much less than used cars when you factor in ma...
by S4C5
Tue May 14, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Worth Fighting a Speeding Ticket?
Replies: 64
Views: 4870

Re: Worth Fighting a Speeding Ticket?

Waste of time and money. Just pay it if it is a simple speeding ticket. However, you should always make sure you don't get charged with reckless driving by speed, which is something awful some states (namely VA) are doing these days. This is a serious misdemeanor crime, typically a class A (one step...
by S4C5
Tue May 14, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Pay myself for pilot training or invest them?
Replies: 18
Views: 1407

Re: Pay myself for pilot training or invest them?

I considered becoming an airline pilot around 10 years ago when I was in your shoes. I went to medical school instead and got my PPL and instrument rating on the side. I will now be making around 7 figures as sub-specialist physician. Meanwhile my flight instructor spent nearly that whole decade try...
by S4C5
Mon May 13, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest way to convert USD to CHF
Replies: 8
Views: 584

Re: Cheapest way to convert USD to CHF

To use transferwise, the other person needs to use it also? Or can it transfer to any bank account number?

The issue is the landlord isn’t going to sign up for PayPal, Venmo, etc. cash or wire only :(
by S4C5
Mon May 13, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest way to convert USD to CHF
Replies: 8
Views: 584

Cheapest way to convert USD to CHF

I am travelling to Switzerland for 6 weeks and need to pay for the apartment I am renting, about $2500. What is the cheapest way to do this? I went to my bank today to see about ordering currency and was told the cost to buy 1 CHF would be $1.07. The current exchange rate is $1.01 A 6% bump seems st...
by S4C5
Mon Feb 11, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best uses of Chase Ultimate Rewards Points
Replies: 28
Views: 3908

Re: Best uses of Chase Ultimate Rewards Points

Transfer to United or southwest. Ignore everybody who says only use them to buy first class international tix. Yes, international first class represents the theoretical greatest percentage discount, but that only matters if you were going to buy first class anyway and ignores the fact that first cla...
by S4C5
Wed Feb 06, 2019 7:42 pm
Forum: Personal Investments
Topic: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?
Replies: 16
Views: 846

Re: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?

So the max I can contribute to my solo 401(k) after-tax would be 100% of my salary ($24k), then I could get another 25% of this as an employer contribution (so, $30k). Your comment about it coming out as a payroll deduction concerns me. Is it allowed to just keep the monthly $2,000-withholding-FICA ...
by S4C5
Wed Feb 06, 2019 11:10 am
Forum: Personal Investments
Topic: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?
Replies: 16
Views: 846

Re: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?

Thanks, I feel confident about the IRA plan now. It's just the mess of the different 457, 401, and 403 plans I will encounter this year that I want to make sure I am handling right as outlined above at this point.
by S4C5
Wed Feb 06, 2019 10:16 am
Forum: Personal Investments
Topic: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?
Replies: 16
Views: 846

Re: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?

Just to be clear, does this sound like a reasonable plan for 2018? Am I wrong at any point? Timeframe: February: Invest $5,500 for 2018 and $6,000 for $2019 into tIRA. Total balance is now around $20,000. Then convert entire tIRA into Roth IRA. March: Continue to invest in current employer 457(b) pl...
by S4C5
Wed Feb 06, 2019 1:39 am
Forum: Personal Investments
Topic: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?
Replies: 16
Views: 846

Re: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?

So since I'll be starting a new job in October that has a 403(a) plan, and a supplemental 457(b) plan, there is no point to funding a solo 401(k) because the investments limits are for a combination of the 403(a) and 401(k) plan? In other words, I can't invest $19k in my new 403(a) at the end of the...
by S4C5
Tue Feb 05, 2019 6:55 pm
Forum: Personal Investments
Topic: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?
Replies: 16
Views: 846

Re: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?

Well my 457(b) I invest now allows me to invest post-tax (I think). Maybe I should change that. Regardless of my 457(b), if I open up a solo 401(k), I can still invest up to the limits, right? I copied this from a blog: In 2018, the combined salary deferral limit for pre-tax and Roth salary deferral...
by S4C5
Tue Feb 05, 2019 6:04 pm
Forum: Personal Investments
Topic: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?
Replies: 16
Views: 846

Re: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?

So basically I am just going to be a doing a backdoor roth conversion in 2019 on $11,500, whereas most people will be limited to a backdoor roth conversion of $6,000. This makes sense, and I will proceed then. If there is any problem with this, let me know. The next question is, can I also do a mega...
by S4C5
Tue Feb 05, 2019 5:51 pm
Forum: Personal Investments
Topic: Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?
Replies: 16
Views: 846

Can I do a late 2018 backdoor roth if I currently have a pre-tax tIRA balance?

For the life of me, I can't understand this. Today is February 5th, 2019. I currently have a ~$9500 balance (as of 12/31/18) in a traditional IRA that is pre-tax. I would like to make a $5,500 non-deductible (i.e., post-tax) contribution now FOR 2018 (deadline April 15th) to this traditional IRA. I ...
by S4C5
Sat Feb 02, 2019 5:52 pm
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 105
Views: 15070

Re: Ally Bank's nightmarish online reviews -- should I be worried?

I use dollar savings direct and have been extremely happy. Have 230k in an account with multiple linkages. I’m not motivated to transfer for a slightly higher rate. Using the service with the absolute highest rate is a bit of a worry for me. Feel more comfortable with somebody at the 90th-%tile rate...
by S4C5
Sat Feb 02, 2019 4:40 pm
Forum: Personal Investments
Topic: Solo 401k for prior tax year?
Replies: 4
Views: 333

Re: Solo 401k for prior tax year?

I also have a small business s-Corp where I am only employee. I just learned about solo 401k. Can you tell me more about the SEP and if it’s something I should do or should i just set up the solo 401k now for this year and forget about 2018? I am sitting on a lot of cash, and if there’s a tax advant...
by S4C5
Tue Jan 29, 2019 5:45 pm
Forum: Personal Investments
Topic: Complicated income situation - need help with retirement accounts
Replies: 14
Views: 1501

Re: Complicated income situation - need help with retirement accounts

And like others have said, make sure to either keep your old accounts where they are, or rollover the traditional accounts to your new 401k, and convert any existing traditional IRA to Roths this year before you get your doctor salary and tax bracket next year. You need to keep a $0 traditional IRA...
by S4C5
Tue Jan 29, 2019 5:42 pm
Forum: Personal Investments
Topic: Complicated income situation - need help with retirement accounts
Replies: 14
Views: 1501

Re: Complicated income situation - need help with retirement accounts

Watty wrote:
Tue Jan 29, 2019 2:12 pm


There are lots of pros and cons and lots of opinions but I would take a hard look at paying off the house.

I have to sell the house in 6 months to move for my new job. I don't see the point as the mortgage is <3%.
by S4C5
Tue Jan 29, 2019 12:40 pm
Forum: Personal Investments
Topic: Complicated income situation - need help with retirement accounts
Replies: 14
Views: 1501

Re: Complicated income situation - need help with retirement accounts

I took a look at the retirement benefits in my new job I will start October 1. Their pension plan states: Tax deferred 403(b) or Roth after-tax contributions go to retirement plan and the 2018 max deferral is $18,500 Employer contributions are matched dollar for dollar up to 6% of legally allowed co...
by S4C5
Mon Jan 28, 2019 12:09 pm
Forum: Personal Investments
Topic: Complicated income situation - need help with retirement accounts
Replies: 14
Views: 1501

Re: Complicated income situation - need help with retirement accounts

I've thought about selling my side business but don't know how to. I've thought about retaining ownership and hiring somebody. Part of me doesn't want the liability or hassle though. But you're right, it is definitely worth something. It generates $100,000/year with a few hours a day of work. And I ...
by S4C5
Mon Jan 28, 2019 11:58 am
Forum: Personal Investments
Topic: Complicated income situation - need help with retirement accounts
Replies: 14
Views: 1501

Re: Complicated income situation - need help with retirement accounts

Lastly, once you start your doctoring job, you will be a prime prospect for financial planners. They will be hitting on you probably from day 1. Be very careful. My suggestion is to ignore them all, learn to do it yourself, and don't worry about making too many mistakes, as we've all made them. Con...