Converting my primary residence to a rental and transferring it to my 100% owned LLC through a quitclaim deed with $10 consideration. But, there’s a current mortgage on it which will be paid through the LLC. Because of the open mortgage, NJ is assessing the realty transfer fee based on the balance which amounts to almost $2000. Any way around this?

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Does 125k in Bonvoy points get you much?

How is leaseholds taxed in Texas for personal property?

Is there a way to get closer to the 58000 total contribution limits in a 401k after initial contributions up the 19500 limit? My employer match isn’t great but I’ve maxed out my contributions this year and they’ve only added an additional 1500 so I’ll be at 21k total in the account for the year. How can I get more in there to bridge that 37k gap? Or can I?

Does it always make sense to max out your HSA? I have ~$6k parked there now as a healthy 28 yo with virtually no healthcare utilization

Anyone trade their personal account actively? How successful have you been?

Did you watch 60 minutes section about student loan forgiveness? I am in my 8th year of teaching and this news of 9 out of 10 getting declined for approval of the Publc Service loans concerns me. There's no way that I will pay this off before retirement , and now to hear about the confusing rules. What do you think?

How do you effectively plan for retirement?

What should be the approx in hand?
CTC: 14lpa
Fixed: 12.8lpa, Variable: 1.2lpa
80c: 1.5L
Std Deduction: 50K

Apart from this, also let me know how else I can save tax.
Thanks a ton 🙏

Has anyone here ever gifted a stock? Do you know the process? (Especially on Robinhood or Fidelity)

Any good ETFs to invest Roth into?

Are commercial properties getting inflated like residential? Thinking of getting into commercial to extra income.

Anyone willing to share thoughts on National tax- unclaimed property at EY?

Received an offer from EY but didn’t find enough information to get to know about it.

Shifted more options profits into 250 NOK shares

With the market pushing higher to mostly ath this week, are you keeping cash reserves for a slight pull back or putting money in the market today?

Anyone in on IPOF call options?

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

Is it worth moving to western countries if you have a stable life in India and the household income is close to 3 lac per month?
What are the advantages and disadvantages of this move?

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

I really wanna get out of NY, even if just for a few years, but I feel like most low COL places don’t have great agencies or work. Anyone make a move for a bit?

Can you share first year salary for midsize firms? I'm in NJ, but curious to hear other markets. Also billable targets? Thanks!

Hi fishes,

Comment your total hike, VP , ctc current, level, designation, tech stack you have received as per Nov 22.

When EY reimburses for the 1,000 dollar wellness fund, do they include the taxes in the reimbursement amount? Otherwise it’s not really a 75% reimbursement but more like half

What should be the salary in Amsterdam, Netherlands. Considering the current inflation and high cost of living in Amsterdam as compared to metro citys in india
Yoe: 6-7yr
Tech stack - Java backend/Full stack developer
Current ctc in india : 27lpa

Hello, I am a junior business administrator working in advisory operations. I have been with the company for 6 months, and was employed along with 2 other colleagues. I have picked the job up really fast and am even doing some “extra curricula’s” I really love my job. However I have recently found out I am being paid the same as an apprentice on my team, I usually do at 3 x the work he does whilst also doing my Cert CII. It has really disheartened me and I feel I should be earning more money

This is my first job in a large corporate company, and I’m trying to gauge how long it normally takes to move from entry level to another internal position in the insurance industry. I have been applying internally for a year now and I am wondering if this is normal or if my company is just slow? I am a top performer, with great metrics, and I have some wonderful connections I’ve made who support me. I just can’t seem to move up. How long did it take you to move up? How many tries did it take?

When is the right time to resign when jumping to a competitor? Before signing the offer letter, the day the offer letter is signed, or once the background check is cleared and my employment is confirmed at the new firm?

After how many days of HR discussion I can expect the offer letter ?

How long did you study before the CSCP exam? Any advice for someone who just enrolled?

what to do with aaron rodgers?

Anyone know what “premium cash pay” means on a check? I randomly just got 717$ on my check unexpectedly for that allocation.

Right-wing Republican moving family from deep blue progressive city. Looking for excellent schools, low property taxes. reasonable housing prices, and a high percentage of Republican voters. Any suburb recommendations?

Hello, i am currently working with M&G global as a process leader with 6.8 years of current experience and total 11 years of experience. I am looking for a job in any field, excluding the calling & sales process. I am currently handling one of the biggest key projects for my team (in progress). Due to the office environment not willing to continue here otherwise blessed to be part of this organisation.. please refer/ suggest any job. Surekha N

Upcoming interview with large tech company for biz ops go-to-market role. Any book recommendations to learn about go-to-market / sales op strategies for tech?

What will be the work from home benefit’s in IQVIA?

Have a lay-off meeting lined up, and now look for next opportunity. My background is around building machine learning models, data wrangling, visualization, feel confident with python. Open to any industry. Appreciate any lead on job opportunity. 3yrs of work experience

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

I’m graduating in a year. Will be working as a consultant in Chicago. Want to begin real estate investing. Thinking of house hacking. what’s the best way to start REI after graduating?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

Bi-annual plug to say I’m a realtor in Charlotte, NC if anyone needs help buying a home or investment property. DM me!

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

Any one knows what’s the easiest way to order a radon test for new construction?

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

Are commercial properties getting inflated like residential? Thinking of getting into commercial to extra income.

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

Anyone else a landlord on a condo unit? Any recommendations for landlord condo insurance? Do I need to look specifically for an insurer that provides this specific plan or do most insurers have an option for landlord condo?

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

Thoughts on Fundrise?

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).