Looking for advice - we are looking to take on $150k home renovation. Home value is ~$800k with houses going for more in the area. Not looking at it as an investment as we plan to stay for the next 10+ years. We plan to pay in cash but this would essentially take out our emergency fund as well. Although we have money in stocks, if needed. Are we making a dumb move?

Have the Amex plat and CSR, any reason to keep the SPG card? Amex hasn’t given me any offers to lower my $95 fee

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

What is the most you've invested into a single stock?

What is the biggest loss you've endured?

Has anyone started an LLC, S-corp, or C-corp for your day trading? If so what are the requirements for getting started with that?

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

Alright QOTD: How are you paying back your loans? PSLF or working for Private Firms and Paying your loans back yourself? Which choice do you think is better. I have 5 years left of PSLF and I cannot wait for the day that this loan is gone.

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

Laaa laaaaaaa lala wait till i get my money right (just accepted a PE offer woo)

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

Any tax accountants/attorneys in here? What would happen to the 401k of a foreign worker if they cannot longer maintain an immigration status and have to go back home? What about a ROTH 401k? Assuming they made after-tax contributions, would they still be able to take tax-free distributions if they are non-resident aliens for tax purposes?

What are your thoughts on Tesla stock ? Do you think it will reverse next year ? The company is in very good shape , it is getting smashed because of the twitter drama alongside high interest rate but i think it is very cheap stock today when i think about future prospects

Morgan Stanley or Schwab? Which brokerage should i choose?

What is the best-kept secret among realtors?

Guys, what platform do you use to trade US stock?

Is this an aggressive position? Would you use final regulations effective for tax year beggining Dec 16, 2020 to support a deduction for calendar tax year 2020? Proposed regulations didn't include this exception. More details below.

Does anyone have an idea of claiming the LTA reimbursement and could help with the process?

Finally getting a chance to put together a home office space. Looking for tips, photos, ideas. I have two monitors and a laptop so my do a three screen set-up. Debating about getting a standing desk or putting money in a super comfy leather chair. Open to hearing what you have done!

My husband and I are in 2nd month of trying to get pregnant. Been on BC on and off for the last 15 years. Taking prenatal vitamins, watching ovulation, watching diet, any other suggestions?

One of my senior managers is a boomerang and told me she was laid off when she was 7 months pregnant about 10 years ago. I think she was a senior or manager. She was in a specific group and everybody was laid off. It wasn’t performance based.

Would you work at your company again if you were laid off?

Having a lot of trouble deciding between two opportunities, Sr. PM at Amazon or Gaming Producer at Warner Bros. I’ve always been very interested in joining the gaming industry, but unsure if it’s worth giving up the security and brand name of Amazon. Would also have to reneg at Amazon but I’m not too concerned about that

Has anyone here worked with TRS Healthcare (travel agency)? Any recs for good agencies or tips for first time travelers?

Hi im looking for referrals in Deloitte Canada. Can any one help, would be happy to arrange a coffee chat to walk you through my experience and resume

Has anyone hosted their own engagement party? All of my friends and family live far away from us so it is just easier for me to plan it but I feel odd doing so. Any tips?

Wednesday 3/14 FYI Island Visit thread

Comment in the below format if you want visitors or are looking to visit an island.

“This report is like a bikini. What it is showing is interesting; what is beneathbthe cover is crucial.”

Seeking a sublet / pied-a-terre situation, ideally in manhattan near soho. 1-3 weeks every 1-2 months. I can give more details via DM!

Anybody know if there is a way to automate a Gantt chart in excel when building out a roadmap? Essentially want to recreate the functionality of ms project because my client does not have project and wants a nice visual for the roadmap

Hi all,
I have an urgent question regarding the flight and weight allowance that TCS arranges for Australia.
Kindly advise!!! Urgently needed!!

Is anyone in AM hiring MBAs now/soon?

Mike Myers’ make up 😳

Any Sales Leaders doing any of the following with their sales teams?

- Entering a new market.
- Entering an old market with a new product.
- Trying to focus sales efforts onto one objective.

I’m putting together a beta program that was successful for my current company and I want to see if it will help other leaders.

Let me know if this interests you below. Thanks!

What does everyone wear for client meetings in a WFH setting

Recommendations for hotels in Portugal?? Preferably a Marriott branded hotel. Planning a 5 day trip to Portugal in April.

Hey everyone, do you all know of any helpful resources or tools to manage projects? I’m working on four different projects right now and want to make sure I am meeting the needs of my stakeholders in a timely manner.

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

Got an agent and she was useless for finding good tenants. Got frustrated and finally started finding leads myself and closing on one soon. I have signed a contract with the agent for paying one months rent as fee. How can i fight this or as he has been literally of zero value add? I will ofcourse ask nicely but wanted to see if i have any other options!

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

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

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

Any Property Management recs in Seattle area? :(

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

Has anyone here used New Western to buy real estate deals?

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

Best way to start wholesaling real estate?

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

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.

Is it common for HOA to ask you to prove your car registration is up to date?

I bought a property with 5% down. If after a couple of years I decide to move and rent this out, can I buy another property to live in for 5% down or does it need to be 20-25% down?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

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.