Hi all,

I needed some advice on taxes in the UK. What is the best way to reduce the taxes on your rental income? Does HMRC have all the means to find out about any undeclared rental income if you are using an estate agent?

For reference, I'm in the top tax bracket and have barely anything left after all expense deductions.

How much percentage of your Salary do you Save/Invest?

Indian Govt. won't recognise Bitcoin 🤦‍♂️

I can pay my rent in new building through Zelle, Venmo or PayPal. Any way to hack this to earn Credit card points without any extra fees to me?

Any recommendations on JV funds, hard money, private equity etc to fund MFC deals and great residential deals brrr/flip. Finding some great deals in my local market. Any tips on raising capital or attracting investors?
Thanks in advance.

If I have a traditional account (401k and/or IRA) and I am at retirement age and I have no other source of income to my name....
Will pay taxes on the amount that I Withdraw that year following the Tax bracket rules at the time of withdrawal correct?

Conversely,
If I have a roth account (401k and/or IRA) and I am at retirement age and I have no other source of income to my name....
Could I hypothetically withdraw the entire account and not pay taxes in a single year?
Ex. withdraw 10M

First 2 years for CSR is about to be over, and I’m looking at the value of the card against the annual fee. Combined with my other cards (Chase Freedom Unlimited & Flex) and deducting the $300 travel fee, the net benefit is $76. Is that enough to justify keeping the card? The lounge access at airports were a nice benefit, never got to use it since my client travel was through Amtrak.

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

What’s the point of income thresholds for IRA Roth contributions if you can just back door into it when you make too much? You can still contribute $6k either way right?

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

I haven’t had much luck on fiverr with my gigs. Really eager to start a side gig and have a second source of income. Any suggestions or insight would be great!

Priority Pass (through my CSR) cancelled their relationship with the lounge in my home airport all of the sudden. That was a huge benefit of having the card for me. Anything I can do with Chase?

Please excuse my innocence, but the way it looks is that it seems so to be worth it to join a firm that allows personal card vs Corp amex. Thoughts?

i’m at work literally stressed about $3.5k (spread across there states) and this is why i can’t stand state taxation.

how you gonna shut down a business license over $100?!

There is less than 3 months left of this decade. Do you feel like civilization is moving in the right direction? There are so many issues across the globe. We are heading towards a financial meltdown.

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

Hi Team
I've declared the tax under my profile payroll and what is the use of FCP?

Pretty new to stocks and investing I would like to invest $200-$300 a month in an ETF index fund which do you guys recommend? Also would like to invest some money monthly in a more risky stock which do you guys recommend?

Which city would you recommend for single men in late 20s trying to find good opportunities in career & dating? Leaning more towards to NYC but not planning to live in Manhattan due to the high rent so I am not sure that would be okay. Also don't want to drive that much.

Running out of socially distant things to do in the DMV in the winter. Any favorite less popular parks/nature spots? Please share suggestions!

Is there any requirement for salesforce guys?

Looking for a referral at top US consulting firms that do sponsor H1b visa transfer. I am based in LA but open to any locations in the US. I have over 10 years of consulting experience. Thank u for your time and help!

Account executive here, who has about 5 years of agency experience. Who else is completely over working in advertising and what steps are you taking/planning to make a career move?

Not looking to make a move anytime soon due to covid but am curious to what everyone else is thinking.

Hi Fishes,

I've got offer from Dunnhumby, Fractal and Gartner for the role of Data engineer. Which one should I go for?

Tech Stack - Python, PySpark, Azure Data Factory and Synapse analytics.
YOE - 2.2
Gartner - 16LPA
Dunnhumby - 15 fixed + 1.5 Joining bonus+ 10% variable
Fractal - 13.5 LPA

Since I can’t really post anywhere else rn lol, I’d love some feed back on this offer I received. It my first one for a pr account coordinator in nyc: 45k, pto 17 days (but doesn’t start until next year) and thats pretty much it. I have 1 yoe + master’s and I plan to negotiate but working out how much

Hello! I’m wondering if anybody has any advice in getting into HR? I graduated in 2020 with a degree in psychology and had a temporary internship in HR which didn’t teach me much. I have experience in customer service, sales, counseling etc. Any advice on roles and/or fields that would kickstart a career in HR? Thanks!

Could I please get some liked to obtain DM feature?

Would you leave a job at a startup who is still running on investment funds after almost 5-6 years of founding even though work environment is great?

Hello Everyone,

Can anyone please share the ideal/optimum salary for a HR Operations Specialist with 2.8 YOE?

Steel Case vs Herman Miller

Is Herman Miller the undeniable winner in the office chair market or is Steel Case a contender for first?

In an industry full of smart and driven people, I find it helpful to remind myself that I need to run my own race.

Ive been using botox fairly consistently for 10 yrs and m happy with the results. However, for financial reasons Im thinking of taking a break for 12 months to save the extra money.

Will stopping botox for 12 moths undo all the progress I've made? (I am afraid of rapidly aging like the Nazi from Indiana Jones and the Last Crusade - nightmare fule).

Also, any adfordable akincare products I should use during the 12 months?

Most common sports metaphors used at work?

Don't be fooled. Recruiters never have your best interest in mind. Find your own dream job.

Which industries/companies on the private side offer the best quality of life?

Is working on weekends expected? Or is it just a once-in-a-while deal, depending on if it's crunch time

I am relatively new to workforce, not sure what companies could use my experience / what kind of companies to look at down the road. 1.5 YOE doing data analytic consulting for a small company with a BS in Aerospace engineering. experience in excel and R at current job plus matlab experience in school. looking at staying in data analytics/ consulting potentially pivoting to something combining that with my aerospace background. any advice?

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.

Any Property Management recs in Seattle area? :(

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

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!

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

Do you thank your tenants for paying the rent? A quick thank you text?

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Anyone ever had the trim on your house painted? 2000 square feet, was quoted $3500. This included the trim, garage door, and front door. Seems reasonable, no?

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

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.

Can anyone recommend a solid lender in Westchester County single family homes? Low rates, good service, easy to deal with.

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

This isn’t relating to investing but we are looking buy a SFH in South Orange NJ. We are have a 2 yo and we are moving from Sacramento. It is a close to a train station to New York.
Does any one here have any info, good or bad things to know about the area. We toured 3 different homes and they were relatively affordable by (600-750k) and it seemed like a small town community but we are not familiar with east coast/ New England. It’s going to be our first move there.

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.

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

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers