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RATED : B- by 538
Full report : http://dfer.org/wp-content/uploads/2019/09/DFER-BSG-Polling-Results-9.12.19.pdf
hello everyone,
Happy New Year.
I have done some research in terms of the 'best' way for parents to transfer primary residence to child, Articles I read all said that there would be tax implications for the child, maybe there was some assumptions behind the conclusion, but I think the strategy can work without tax implications but maybe I'm missing something.
Background: the parents have two properties, one residential and one investment property.
The child has one residential property.
Strategy:
- The parents sell the primary residence to the child at a lower price than market value, since it is a primary residence property no capital gain tax.
- The child then can rent out the existing property and claim the property purchased from the parents as primary residence. In the future, there will be no capital gain for the property purchased from parent, since it is a primary resident property.
- One added benefit is that, the child can then take the home to a bank, appraisal value will be around the current market price, the child can then refinance and use the money to buy another property or just invest (note that the child has way better T4 then the parents).
Anything I missed here?
Thanks much,
New family med attending here, almost four months into my first attending gig.
I mean it when I say I truly love my job and I feel personally and professionally fulfilled each and everyday I leave clinic, but man, the system makes it hard to be a good PCP.
While I started off seeing just a couple patients a half day, this was gradually increased until my 2nd month when the floodgates opened - I'm now seeing about 15-16 patients a day, with the expectation that I'll see 22-25 a day once my patient panel is full. I inherited a lot of old, chronically sick patients from a retiring doc, but my patient panel is only about half of what the hospital wants me at; I can't imagine fielding all of the phone calls, med refills, paperwork, and various other triages with double the number of patients while also seeing more patients in the office. My patients don't like to follow up outside of their annual physical and maybe a 6 month follow up which leads to going through their list of 10 complaints they have saved up all year to discuss in 20 minutes, in addition to their health maintenance. This leads to a lot of note writing, catching up on tasks on my days off...much to my and my family's dismay. I feel like I'm working as much as I did in residency, but at least I can be home writing notes rather than on call at the hospital. Frankly, this lifestyle does not seem sustainable.
My schedule is currently four days a week, so that makes for long work days when I'm in the office; would changing to a five day a week but shorter days make a difference?
Does this get better as time goes on and I get to know my patients**?**
Some things I've found to be helpful are siphoning off as many phone calls/responses to my nurse as I can (who can be really inefficient) and converting certain conversations to phone visits to carve out time in my day to dedicate to more nuanced discussions with patients (starting statins, discussing abnormal DEXAs, etc.), but any other tips/strategies on how to avoid burnout while still providing good patient care?
I purchased my home in August of 2019 for $550k and owe about $430k on it. It is currently worth about 820k. I would like to rent it out and purchase a second primary residence to live in for a couple years, then possibly repeat the process.
Would I be able to get a second mortgage with such high DTI? Would lenders be able to get me pre-approved with no rental history? I heard I can get 80% credit as income for future renters. What would be my best strategy?
More details: Income = $110k Mortgage = $2590 have about $100k cash
In a recent letter to the FASB found HERE, President & Chief Financial Officer of MicroStrategy, Phong Le writes:
"In the first quarter of 2021, we determined to pursue as part of our overall corporate strategy, a strategy of acquiring bitcoin with our liquid assets that exceed working capital requirements, and from time to time, subject to market conditions, issuing debt or equity securities with the objective of using the proceeds to purchase bitcoin.
We now pursue two corporate strategies in the operation of our business:
(1)to acquire and hold bitcoin, which we view as a store of value, supported by a robust and public open-source architecture, that is untethered to sovereign monetary policy and can therefore serve as a hedge against inflation and
(2) to grow our enterprise analytics software business to promote our vision of Intelligence Everywhere. "
The history of Bitcoin will never forget MicroStrategy.
What is the best choice in below two areas?
Marriage:
a) find a spouse - you don't have control of new babies production ;) and then end up with not so optimal situation after character switch (does not apply if you have no partition law)
b) don't find a spouse - it could be difficult to have children if heir is a female. Also they often lay with random men/women and could produce bastards.
Granting land:
a) do it - your heir can develop stats through chosen lifestyle focus, but can also get into trouble through wars / intrigue etc.
b) don't do it - you get character with inferior stats to option 'a'. Am I missing something here? Maybe when heir inherits the throne at say age 40 he/she will "catch up" in regards to stats development?
I got little pissed and surprised when my male primary heir died during my ruling (I had younger son too) and then his child (my grandchild) was my primary heir. I could avoid this by not finding him spouse years ago.
Looking for advice.
P.S. I play with gender equality now.
I just created a post revisiting the excellent OC Weekly article by Michelle Woo, titled "Soka University of America is a School on a Hill."
I want to make this completely separate post on one particular part of said article, because I think it's important enough to merit a separate thread:
>In May 2010, political-science professor Orin Kirshner was teaching from Hannah Arendt's Eichmann In Jerusalem in a unit on the Holocaust when he noticed that one of his students continually brought an SS Nazi soldier action figure to class. This particular student, he says, had the doll for years and was known to carry it around campus.
>
>The Jewish Kirshner was very concerned. He e-mailed Feasel claiming anti-Semitism and religious intolerance and demanded something be done about the student.
>
>To Kirshner's surprise, “The dean basically said to me, it's almost summer, the student will be leaving, so it'd be better if I kept my mouth shut.” Feasel then told him he was moving the issue to be handled by the department of human resources. The head of the department, Katherine King, responded with an e-mail arranging a meeting about the incident. The letter said this was the first time they had heard of the offending student, a claim, Kirshner says, that was just more stonewalling.
>
>“It was clear that the administration was not going to take this seriously,” he says. “They were turning a blind eye to racism, anti-Semitism and various forms of religious intolerance. I'm not saying [the student's actions were] malicious, but nothing was being done about it.”
SUA has a long, consistent, and seemingly proud history of handling conflict and controversy in ineffective and predictable ways. This sub here covered the student of color protests that occurred just before the COVID-19 shut-down. In response, Soka admin invited some guest speakers to campus to speak about the importance of "an equitable campus environment." I've learned here too that the SGI itself apparently had a militant, hyper aggressive approach in Japanese society. When the group started catching major flack, Ikeda made a hard pivot toward promoting "peace" in the 60's.
The anecdote quoted above, from Professor Orin Kirshner, clicks so many things about my department into place. Namely, I now understand how the vaguely defined "Peace Studies" campus theme fits into the disorganized mess I've observed.
Kirshner caught SUA red-handedly taking an anti semitic pos
... keep reading on reddit ➡
Direct here: https://twitter.com/RedfieldWilton/status/1472975104007155714
