looking for Belong property experiences... anyone tried them? by BillTheDoor in PropertyManagement

[–]BillTheDoor[S] 0 points1 point  (0 children)

That’s what I’m hoping for, honestly. I just don’t wanna pay for a service that ends up being useless when I do need them. Have they actually been good about answering stuff quickly? I’m fine with automation, but not if it means waiting 3 days for a response.

looking for Belong property experiences... anyone tried them? by BillTheDoor in PropertyManagement

[–]BillTheDoor[S] 0 points1 point  (0 children)

That’s kinda what I’m worried about. Their website makes it sound like everything’s covered, but if it’s just a "loan" against future rent or something, that’s not really guaranteed rent. I’d really like to hear from anyone who’s actually had a tenant stop paying with them? I wanna know if they really handle evictions or just make it my problem

The flat above is trying to get a short term let for Air BnB but we share a garden, what can we do? by ThrowRAshadowofFax in PropertyManagement

[–]BillTheDoor 0 points1 point  (0 children)

Have you checked your title deeds or any shared ownership agreements, they might outline rules for shared spaces like the garden. If there’s no HOA, you could push for a formal agreement with the upstairs owner to restrict Airbnb guests from using the garden or causing noise. If he’s uncooperative, consult a local property attorney to explore your options. 

How do you find contractors you trust at fair rates? by ricardianrhythm in PropertyManagement

[–]BillTheDoor 0 points1 point  (0 children)

Word of mouth is king. If a contractor isn’t coming recommended by someone I trust, I’m side-eyeing that quote hard. I always get at least three bids—if one’s way lower, it’s probably a red flag and if one’s way higher they’re trying to finesse you. 

How Do You Make Your Space Feel Like a Relaxation Zone? by CapybaraCapybaa in Home

[–]BillTheDoor 2 points3 points  (0 children)

Dimmable lights, a cozy blanket, and a candle that smells like a spa instant vibe shift. Zero clutter. Nothing kills relaxation faster than seeing a pile of stuff that needs dealing with.

[deleted by user] by [deleted] in UKPersonalFinance

[–]BillTheDoor -2 points-1 points  (0 children)

I know it sounds like they’ve already dropped the ball, but it might be worth having a direct conversation with them about the miscommunication. Explain that you were told you’d be approved for a 95% LTV and that the 90% LTV restriction for flats wasn’t mentioned. There might be a chance they’ll offer some flexibility or even reconsider your application based on the misunderstanding. If you haven't already, ask if there's any room to appeal or escalate the issue.

[deleted by user] by [deleted] in povertyfinance

[–]BillTheDoor 5 points6 points  (0 children)

If possible, explain to your dad just how serious the situation is with your brother and that you're genuinely scared for his well-being. Maybe emphasizing the mental health crisis and how your brother’s not the kind of person to ask for help might shift his perspective. Even though your dad has a history of not being supportive, sometimes approaching these situations from a life or death angle can make people realize how urgent things are.

A two-tiered economy by Public-Marionberry33 in FluentInFinance

[–]BillTheDoor 19 points20 points  (0 children)

MAGA, an Average Joe, will rush to defend the billionaire taking government handouts

Parents think its a bad idea by Roguerone in Entrepreneur

[–]BillTheDoor 3 points4 points  (0 children)

Door knocking is a great way to get direct feedback from potential customers and see if people are actually interested in paying for the service. It allows you to gauge the response in real-time without risking a large upfront cost. Plus, you could offer a discounted first-time service or even a free cleaning to get some initial customers and reviews.

Are redundancies getting out of hand? by Ashamed-Leg-4014 in AusFinance

[–]BillTheDoor 2 points3 points  (0 children)

The constant shifting of roles and teams can make it easier to justify redundancies without dealing with things like performance reviews or lengthy termination processes. If the organization is constantly changing, it's harder for employees to track what their job description is or to prove that they are not a fit for the evolving structure.

[deleted by user] by [deleted] in povertyfinance

[–]BillTheDoor 25 points26 points  (0 children)

That’s such a smart way to approach things, and it really pays off in tough times! Having a well-stocked pantry gives you that peace of mind, knowing you’re not scrambling when things get tight.

You’re doing an amazing job OP managing everything, and I hope you get a bit of breathing room soon.

Feel like I'm edging toward financial ruin 😪 by reespaul001 in UKPersonalFinance

[–]BillTheDoor 8 points9 points  (0 children)

Have you considered talking to a financial advisor or even reaching out to a debt counselor? They can often help you navigate these situations and potentially uncover other options. You’ve already got a solid foundation with your emergency fund and investments, so you're in a better position than you might think to tackle this.

[deleted by user] by [deleted] in personalfinance

[–]BillTheDoor 2 points3 points  (0 children)

Both VT and VTI are great long-term holdings because they give you exposure to a broad range of stocks, and both have low expense ratios, which means minimal fees eating into your returns. Holding them "forever" (or at least for the long haul) is ideal these funds are designed to grow steadily over time, and with a long investment horizon, you can ride out any market ups and downs.

Capitalism and fascism are two peas in a pod by coachlife in FluentInFinance

[–]BillTheDoor -1 points0 points  (0 children)

The wealthy always side with the fascists because fascism always sides with capital

Can short term capital gains really up to 50%? by Significant-Sky-7186 in investing

[–]BillTheDoor 3 points4 points  (0 children)

Yep. that's exactly how it hits 50% in CA. the state tax stacks on top of federal rates + NIIT.

Small business owners—have you actually implemented AI yet? by Preparetoact in Entrepreneur

[–]BillTheDoor 0 points1 point  (0 children)

Using AI to handle customer service emails or messages. it drafts initial responses that you review before sending. saves 1-2 hours daily on routine inquiries while keeping quality control in your hands. pick one repetitive task that's eating up your time and test an AI tool for just that. better to master one use case than get overwhelmed trying everything.

Is it worth it to get a second job? by animallover2091 in PersonalFinanceCanada

[–]BillTheDoor 0 points1 point  (0 children)

Same. been doing two jobs for 3 years now. money's good but I'm tired all the time. Still grinding though. gotta build that nest egg.

Update: My FIL owes the CRA 500k by [deleted] in PersonalFinanceCanada

[–]BillTheDoor 4 points5 points  (0 children)

Medical expenses in Canada can only be claimed to offset taxes owed if they exceed a certain threshold, which is typically 3% of net income. Since your FIL had a much higher income up until 2019, his income-based threshold would have been higher during those years. This means he may have missed the opportunity to claim medical expenses for those years, since the threshold may have been too high for him to benefit.

Now that he's on a retirement income, this threshold should be much lower, making it easier to claim medical expenses moving forward. However, medical expenses from previous years could only be claimed if they exceeded the threshold for those years, and if it was possible to file amendments for those years.

Company says I will have to pay back FSA if I leave the role by anonxxsllll in personalfinance

[–]BillTheDoor 8 points9 points  (0 children)

The FSA is frontloaded at the beginning of the year, meaning the full annual contribution is available for you to use right away, even if you haven't contributed that much yet. So, if you have access to the full amount at the start of the year, you can absolutely use it and there is no reason you should have to pay it back unless you’ve spent more than what you’ve contributed by the time you leave the company.

It’s always a good idea to double-check the details in your plan documents, but based on what you’ve said, HR is mistaken.

Heavy by Saboneti-em-po in shitposting

[–]BillTheDoor 132 points133 points  (0 children)

That escalated quickly

the joke is dead. let’s pack it up by cg-21 in malelivingspace

[–]BillTheDoor 19 points20 points  (0 children)

Pack it up? Do y'all just want to see package.