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If you do decide to do it, have him pay up front and then quietly and politely amend the return. You have the software and the original return, it isn't that busy yet, you can make some quick cash and then send him on his way. IF you decide to do it.

You're the only one who knows the answer to this question

Even the money that I have invested in stock is much more readily available than used to be the case. The last time I requested a withdrawal from my broker, I was told it only took 1 day for the trade to settle, and that if I had linked a bank account to the brokerage account I could have had the money transferred into my bank account in about 24 hours. For most purposes, that is fast enough for me.

I agree with Lee and Marilyn. As a general rule, I almost never want to work with a former client again because one or both of us were unhappy enough to terminate the relationship. Of course, these decisions depend on the circumstances and what may have changed in the meantime. I would weigh all of that and also consider what the amendment involves and why this person's new preparer is declining to prepare the amendment.

If LLC owed the land and LLC elected S corp, then land is owned by S corp. Hopefully they were working with an attorney that can give you some guidance. If S corp owns land then the "rent payments' need to be reclassified. Are the owners paid reasonable salaries?

American Funds has one similar. The only problem is transfers take a day or two. I like having a few thousand immediately available at my CU. I've never had a situation where I needed to have funds available that quickly, but I like the security of having it there.

I would not, unless they prepay cash/check my PITA fee. Someone taught me our job is to get money, and even the most PITA person we get money from has a price which makes us happy to take said money. A good example is taking back someone who posted nastygrams on review sites. Something powerful about being able to show that person returned.

In the event of prolonged internet outages, banks, credit unions, and investment houses may not be able to access information systems, investors accounts, or be able to transact business. That is something you should probably ask of your CU.

Vast majority of my investments are at American Funds including some in their MM fund. I just feel better having some locally that I can access in a minutes notice in the unlikely event such as a widespread and prolonged internet outage.

My CU pays .995 on savings accounts with immediate phone or online transfer to checking account if necessary. Over the last 18 months or so they have been paying 4.5 to 5.5 for short-term CDs; minimum of 1000. I watch it closely as I have a few and one coming due on 12/10/24 which went in at 5.25 and will not renew nearly that high as rates are dropping now. However, I have one coming due on 3/10/24 that went in at 2.967 for 24 months, which I should be able to renew at a much higher rate; depending on the uncertain economy. I believe right now that their highest rate is 4.75 and dropping. I think the real importance of this thread is not where you have it or how you have it; just HAVE it available without penalty immediately. So few people do and that is a sad situation.

Morgan Stanley pays 4.24% with NO minimum balance, just under 5% for different MMs &/or balances. (Accounts way out of my reach pay even more.)

Get an investment account somewhere. With the ability to do an ACH into your checking account in an emergency, the fund doesn't have to be at your bank. Just monitor if the account has a yearly fee and ACH fees. IPPXX has a 7 day yield of 4.86% but has a $1k minimum. Fidelity MMs are around 4.35% and no minimum. ACH is next day.

I'm sure that's true. I'm guessing the majority of those that can't have eaten out at least once in the past week. It goes back to wants vs needs: you need to eat, but it's a want to eat out.