question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
2211 | PayPal wants me to “add a bank account”, another funding source. Credit card isn't working. Why? | [
"362231",
"304159",
"542004",
"517006",
"195852",
"144580",
"244133",
"445456"
] | [
"I'm guessing that you've reached the value limit of a payment that can be made without linking your account to a bank account. While you want privacy, PayPal wants to not be a money launderer. You may need to seek an alternative way to pay for this if you're trying to be private about it.",
"Visit paypalblows.or... |
2212 | Definition of gross income (Arizona state tax filing requirements) | [
"367068",
"229397",
"248651"
] | [
"Disclaimer: I am not a tax professional. Please don't rely on this answer in lieu of professional advice. If your sole source of Arizona income is your commercial property, use the number on line 17 of your federal form 1040. This number is derived from your federal Schedule E. If you have multiple properties (or ... |
2213 | How is Discover different from a Visa or a MasterCard? | [
"304323",
"442435"
] | [
"Each of those is a network. Merchants displaying their logos - participate in their network and will accept cards that bear the same logo. Most merchants participate in more than one network. Discover is mostly used in the US, while Visa, Mastercard and American Express are more widely spread in the world (Amex le... |
2216 | Transfer money from a real estate sale in India to the US | [
"312191",
"9353",
"334154"
] | [
"How would I go about doing this? Assuming you had purchased the house by funding from your NRE account, you can easily move back the 30K into NRE Account and out of India from NRI Account. The 30K profit would be taxed in India as per capital gains and can only be moved into NRO account. A CA would need to certify... |
2218 | How can a Canadian establish US credit score | [
"255393",
"20987",
"295250"
] | [
"Sorry. As far as I know, a person's SS is the only way to establish credit. This is the first thing they ask whenever you apply for any service in the US.",
"1) The easy way is to find a job and they will assign you an SSN. 2) Here's the hard way. If you're Canadian, open a TD Boarderless account in the U.S. ... |
2220 | What are some examples of unsecured loans | [
"314050",
"146351",
"395769",
"22394"
] | [
"Unsecured loan is any loan that you don't provide an asset as a collateral for. Auto loans are usually secured - by the auto. If you don't pay off the car, it will be repossessed. Credit cards are a good example, personal/business loans are also usually unsecured, and you've pretty much covered it. Majority of loa... |
2221 | Do I have to pay a capital gains tax if I rebuy different stocks? | [
"132111",
"400730",
"434694",
"443354"
] | [
"\"Yes- you do not realize gains or losses until you actually sell the stock. After you sell the initial stocks/bonds you have realized the gain. When you buy the new, different stocks you haven't realized anything until you then sell those. There is one exception to this, called the \"\"Wash-Sale Rule\"\". From... |
2222 | Claiming income/deductions on an illegal apartment | [
"237234",
"151645"
] | [
"The IRS demands and expects to be paid tax on all taxable activity, including illegal activity. If they expect drug dealers, hit men, and smugglers to pay tax, they expect you to pay tax on your basement apartment. The flip side of this is that the IRS keeps reported tax activities confidential. They only share ... |
2225 | Pros, cons, and taxation of Per Diem compensation? | [
"375748",
"550804"
] | [
"Hence new employer pays a part of the salary as per diem compensation along with regular salary and says that per-diem compensation is non-taxable. Per-diem is not taxable. But that is not what you're describing. It appears that either you or the prospective employer, misunderstood what per-diem is. As per US ... |
2228 | Best way to day trade with under $25,000 | [
"176717",
"533408",
"530155"
] | [
"\"The T+3 \"\"rule\"\" relates only to accounting and not to trading. It does not prevent you from day trading. It simply means that the postings in you cash account will not appear until three business days after you have executed a trade. When you execute a trade and the order has been filled, you have all of... |
2231 | Pay via Debit Card or Bank's portal | [
"519124"
] | [
"There are reward points that you have already mentioned. Some banks also give reward points for netbanking transfer, although very few and less than debit card. On a fraudulent site, debit card adds a layer, if compromised, easy to change. i.e just hot list the card, get a new card issued. Netbanking quite a few b... |
2232 | Can I transfer self-employed income into LLC? | [
"151023"
] | [
"An LLC is a very flexible company when it comes to taxation. You have three basic tax options: There are other good reasons to create an LLC (mainly to protect your personal assets) so even if you decide that you don't want to deal with the complications of an S-Corp LLC, you should still consider creating a sole... |
2233 | How to gift money anonymously to an individual after collection thru a donation site? | [
"392357",
"587536",
"453455"
] | [
"Regarding the tax implications half of your question ... There seem to be a lot of articles that say there's not yet any established law concerning the tax treatment of crowdsourced funds. Since your objective is gift-giving rather than business purposes, it would seem that the gift tax rules would apply, and gift... |
2235 | How can I determine if leaving a lower paying, tax advantaged, job for a higher paying one makes sense financially? | [
"67061",
"361890"
] | [
"You'd be moving from 33.5K of taxable income + 16.5K of untaxable income, to 65K of taxable income (worst case). So the question is whether the net from the extra 31.5K of taxable income is more than the 16.5K, and since marginal tax rates in the relevant brackets are no more than 32% according to the table you po... |
2236 | What should I do with a savings account in another country? | [
"386312"
] | [
"If the fees to keep the account open are reasonable then it's worth keeping it open for now. It streamlines things if you need to visit or otherwise have business transactions (e.g. order things from online stores) with France or other EU countries. If you are not yet even in university, I think it is far too ea... |
2237 | Help! I've cancelled their service, but this company continues to bill my credit card an annual fee. What can I do? | [
"103980",
"410243",
"576243"
] | [
"I'm not a lawyer, and am certainly not familiar with your jurisdiction, but the general guidelines I've seen around this kind of situation are: If all else fails, you could just cancel the card, though I'm not sure what liability you have to honour the contract. I cancelled a card once to stop being charged by a p... |
2238 | Do I need to file a tax return as a student? | [
"585356",
"268314"
] | [
"\"In the U.S., Form 1040 is known as the tax return. This is the form that is filed annually to calculate your tax due for the year, and you either claim a refund if you have overpaid your taxes or send in a payment if you have underpaid. The form is generally due on April 15 each year, but this year the due dat... |
2239 | Alternative to Jumbo Mortgage | [
"309077",
"58046"
] | [
"Yes, banks still offer combo loans, but it is going to depend on the appraised value of your home. Typically lenders will allow you to finance up to 80% loan to value on the first mortgage (conforming loan amount) and 95% combined loan to value on a HELOC. I would start by checking with your local credit union o... |
2241 | How does a online only bank protect itself against fraud? | [
"204825",
"307610",
"575713",
"480664"
] | [
"\"Much of what you're asking will not be disclosed for obvious security reasons, so don't be surprised when call center people say they \"\"don't know\"\". They may actually not know, but even if they did, they'd be fired if they were to say anything. Nothing could be a touchier subject than online security for ... |
2243 | Should I lease, buy new, or buy used? | [
"63042",
"233894",
"265904"
] | [
"\"Welcome to Personal Finance and Money. This answer will depend a lot on what is most important to the buyer, for example, whether it is important to always be in a newer car, to save money, or strike a balance between the two. There are trade-offs and I don't think there is one right answer for all circumstances... |
2244 | Huge return on investment, I feel like im doing the math wrong | [
"102113",
"118521"
] | [
"\"Your math is correct. These kind of returns are possible in the capital markets. (By the way, Google Finance shows something completely different for $CANV than my trading console in ThinkorSwim, ToS shows a high of $201, but I believe there may have been some reverse splits that are not accurately reflected in ... |
2245 | What is the best way to short the San Francisco real estate market? | [
"300703",
"484266"
] | [
"The most obvious route is to short the lenders, preferably subprime. Since there are no lenders that operate exclusively in San Francisco, you could look north at Canada. The Canadian real estate market (esp. Vancouver) is just as overheated as the San Francisco market. As a start, famous short seller Marc Cohodes... |
2246 | Are there online brokers in the UK which don't require margin account? | [
"45674",
"112393",
"569257",
"486058"
] | [
"I don't know what you are on about, as most online brokers should offer standard brokerage without margin. As trading with magin is considered more risky by most (especially if you don't know what you are doing), so one would have to fill out additional application forms and possibly undergo some training before g... |
2247 | Is there such a thing as a deposit-only bank account? | [
"442109",
"430821",
"287899",
"190266",
"28991"
] | [
"Do you write checks? You are giving your bank account and routing number to anybody you have ever given a check to. Your employer is paying taxes on your behalf, so they need your social security number so they can pay your social security taxes. Account and routing numbers are how deposits are made. If you are... |
2248 | Do you know of any online monetary systems? | [
"28850",
"276264",
"534220",
"231639",
"116082",
"214283",
"103804"
] | [
"I recently came across bitcoin, it is what I was really looking for at the time.",
"\"You say you want a more \"\"stable\"\" system. Recall from your introductory economics courses that money has three roles: a medium of exchange (here is $, give me goods), a unit of account (you owe me $; the business made $ la... |
2250 | Is buying and selling Bitcoin (and other cryptocurrency) legal for a student on F-1 Visa doing OPT in USA? | [
"46345"
] | [
"Given your clarification that you re only intending to use cryptocurrency as a capital asset & a long term investment vehicle, and not as a business day trading or trading for others, I would say this definitely is NOT illegal. The tax man says cryptocurrency is property. The IRS made this clear in Notice 2014-21.... |
2251 | Why does HMRC still require “payment on account” after I have moved to PAYE? | [
"491052"
] | [
"The Government self-assessment website states you can ask HMRC to reduce your payments on account if your business profits or other income goes down, and you know your tax bill is going to be lower than last year. There are two ways to do this:"
] |
2252 | High dividend stocks | [
"19113",
"200485",
"378508",
"44387"
] | [
"Like almost all investing question: it depends! Boring companies generally appreciate slowly and as you note, pay dividends. More speculative investing can get you some capital gains, but also are more likely to tank and have you lose your original investment. The longer your time horizon, and the more risk you ar... |
2254 | Is there any downside to using temporary credit card numbers with subscription services? | [
"329957",
"365561",
"179615"
] | [
"I did just what you suggest. The card company honored the charge, they told me the temporary number was solely for the purpose of assigning a number to one vendor/business. So even though I set a low limit, the number was still active and the card company paid the request. Small price to pay, but it didn't go as I... |
2259 | What happens to bank account of non-resident alien who falls out of status? | [
"229354"
] | [
"Nothing happens. A bank is a business; your relationship with the bank doesn't change because your visa or immigration status changes. Money held in the account is still held in the account. Interest paid on the account is still taxable. And so on. If the account is inactive long enough, abandoned account rules ma... |
2261 | New 1099 employee with Cobra insurance | [
"526158",
"509218"
] | [
"For the first four months of the year, when you were an employee, the health insurance premiums were paid for with pre-tax money. When you receive your W-2 at the end of the year, the amount in Box 1 of the W-2 will be reduced by the amount you paid for health insurance. You can't deduct it on your tax return be... |
2263 | What things should I consider when getting a joint-mortgage? | [
"223841",
"16563",
"361547",
"104526",
"544663"
] | [
"The first and most important thing to consider is that this is a BUSINESS TRANSACTION, and needs to be treated as such. Nail down Absolutely All The Details, specifically including what happens if either of you decides it's time to move and wants to sell off your share of the property. Get at least one lawyer invo... |
2265 | Benjamin Graham: Minimum Size of the company | [
"415717",
"430102",
"42960"
] | [
"Smaller markets can actually be more volatile so it's not a good idea to lower Graham's criteria for them. The only real adjustment possible is inflation adjustment. $100 million in 1973 United States works out to $500 million today based on the difference in CPI/Inflation from 1973. This number will be different ... |
2267 | W8-BEN for an Indian Citizen | [
"390102",
"349087"
] | [
"According to the Form W-8BEN instructions for Part II, Line 10: Line 10. Line 10 must be used only if you are claiming treaty benefits that require that you meet conditions not covered by the representations you make on line 9 and Part III. For example, persons claiming treaty benefits on royalties must complete... |
2269 | 501(3)(c) to donators for trophy party | [
"182856"
] | [
"The good news is that your parent organization is tax exempt and your local organization might be. The national organization even has guidelines and even more details. Regarding donations they have this to say: Please note: The law requires charities to furnish disclosure statements to donors for such quid pro ... |
2273 | Is there any truth to the saying '99% of the world's millionaires have become rich by doing real estate'? | [
"66302",
"95200",
"11423",
"173678"
] | [
"\"I can name far more non-real estate millionaires than those who are. That statistic isn't only not valid, it's not even close. Update: The correct quote is \"\"90% of all Millionaires become so through owning Real Estate\"\" and it's attributed to Andrew Carnegie. Given that he was born in 1835, I can imagine t... |
2275 | Which Roth IRA is the best for a 21 year old who has about $1500? | [
"553031",
"347651",
"164672"
] | [
"Your question seems like you don't understand what a Roth IRA is. A Roth IRA isn't an investment, per se. It is just a type of account that receives special tax treatment. Just like a checking and savings account are different at a bank, a ROTH IRA account is just flagged as such by a brokerage. It isn't an inves... |
2276 | How do credit card banks detect fraudulent transactions without requiring a travel advisory? | [
"329028"
] | [
"One bank is more willing to risk losses and customer hassle in exchange for lower processing costs than the other bank is. It's strictly a business decision. Regarding how they detect suspicious transactions: Patten detection based on your past usage history. I've gotten calls asking me to confirm that I just plac... |
2277 | How does the market adjust for fees in ETPs? | [
"93836",
"89205"
] | [
"\"Because ETFs, unlike most other pooled investments, can be easily shorted, it is possible for institutional investors to take an arbitrage position that is long the underlying securities and short the ETF. The result is that in a well functioning market (where ETF prices are what they should be) these instituti... |
2278 | What is expense growth in this diagram? | [
"456814"
] | [
"\"The \"\"c.\"\" is probably circa, or \"\"about.\"\" Regulatory settlements is in blue because it's negative; the amount is in parentheses, which indicates a loss. WB and CB might be wholesale banking and commercial banking? BAU probably means \"\"business as usual\"\" or things that don't directly apply to the ... |
2279 | Is it safe to accept money in the mail? | [
"420483",
"107763",
"284528"
] | [
"On your end of the deal, the biggest risk is probably counterfeiting. That said, I'd think that most of the downside would be for the buyer since they would have no way to prove that they paid you. Perhaps a better alternative is to send the items COD (Collect On Delivery aka Cash on Delivery). The USPS and some ... |
2280 | How to find the smallest transaction fees and commissions available and reduce trading overhead? | [
"234983"
] | [
"The lowest cost way to trade on an exchange is to trade directly on the exchange. I can't speak to the LSE, but in the US, there is a mandated firewall between the individual and the exchange, the broker; therefore, in the US, one would have to start a business and become a broker. If that process is too costly, t... |
2281 | Is per diem taxable? | [
"134118"
] | [
"Per-diem is not taxable, if all the conditions are met. Conditions include: You can find this and more in this IRS FAQ document re the per-diem."
] |
2282 | Do I have to work a certain amount of hours in order to get paid monthly? | [
"596645"
] | [
"\"Frequency of paychecks is up to the company. Many pay monthly. Some pay twice a month, or every other week. I haven't heard of any paying more frequently unless they were tiny \"\"mom and pop\"\" businesses or grunt-labor/fast-food minimum-wage jobs. Cutting the checks more often is more expensive for the compan... |
2283 | Where can I find historic ratios by industry? | [
"364672"
] | [
"If you would like to find data on a specific industry/market sector, a good option is IBISworld reports. You can find their site here. You can find reports on almost any major US sector. The reports include historical data as well as financial ratios. In college projects, they were very useful for getting benchmar... |
2284 | Live in Florida & work remote for a New York company. Do I owe NY state income tax? | [
"113451",
"585562",
"232282"
] | [
"If you're not a NY (tax) resident, then as long as you're not physically present in New York - you do not owe NY taxes on compensation for your services. But that is if you're a 1099 contractor/employee. If you're a partner/shareholder in a partnership/LLC/S-Corp registered or conducting business in New York, and ... |
2286 | Why would analysts recommend buying companies with negative net income? | [
"485390",
"157101",
"32714"
] | [
"\"The biotechnology sector as a whole is a popular buy recommendation among some analysts these days for a few reasons. Some analysts feel that the high costs in R&D, even without much profit, are a positive sign for growth because it means a company is working towards finding the next \"\"blockbuster drug\"\" or... |
2287 | Mortgage interest income tax deduction during year with a principal residence change | [
"376392",
"409566"
] | [
"http://www.irs.gov/publications/p936/ar02.html#en_US_2010_publink1000229891 If you still own it, you get to deduct all of it. In my taxes I did online with TaxAct, it asked if I lived there or not and it just mattered which form it filed for me. With having tenants it was a 'business' form and I assume it would b... |
2288 | If a company's assets are worth more than its market cap, can one say the shares must be undervalued? | [
"555915",
"157597",
"492371"
] | [
"You haven't mentioned how much debt your example company has. Rarely does a company not carry any kind of debt (credit facilities, outstanding bonds or debentures, accounts payable, etc.) Might it owe, for instance, $1B in outstanding loans or bonds? Looking at debt too is critically important if you want to condu... |
2290 | For Federal Crimes, where does the money collected from penalties go? | [
"46145"
] | [
"\"The SFGate had an article on this a few years ago: http://www.sfgate.com/business/networth/article/When-government-fines-companies-who-gets-cash-3189724.php \"\"Civil penalties, often referred to as fines, usually go to the U.S. Treasury or victims.\"\" Short answer in the case you references it would be the US ... |
2291 | Do I have to pay the internet installation charges for my home's company internet? | [
"469198",
"304559"
] | [
"\"Of course you don't have to pay them - you just might not like the result. As a matter of law - given that I am not a lawyer - I am not aware of any requirement for a company to pay employees business-related expenses. An example might be having a cell phone, and according to this article companies aren't requir... |
2292 | What is the best way to determine if you should refinance a mortgage? | [
"20054",
"26051",
"58368"
] | [
"See the Mortgage Professor's calculators (#3). Go to bankrate and look up rates so you know what to punch in to those calculators.",
"Our mortgage provider actually took the initiative to send us a refinance package with no closing costs to us and nothing added to the note; took us from a 30-year-fixed ~6.5% not... |
2293 | Moving savings to Canada? | [
"217727",
"401807",
"590840"
] | [
"\"The simplest, most convenient way I know of to \"\"move your savings to Canada\"\" is to purchase an exchange-traded fund like FXC, the CurrencyShares Canadian Dollar Trust, or a similar instrument. (I identify this fund because I know it exists, not because I particularly recommend it.) Your money will be in Ca... |
2294 | Optimal way for withdrawing vested company match from my 401k? | [
"410675",
"262808"
] | [
"Why would you want to withdraw only the company match, and presumably leave your personal contributions sitting in your ex-company's 401k plan? Generally, 401k plans have larger annual expenses and provide for poorer investment choices than are available to you if you roll over your 401k investments into an IRA. S... |
2295 | searching for historic exchange rate provider which meets this example data | [
"256996"
] | [
"You will most likely not be able to avoid some form of format conversion, regardless of which data you use since there is, afaik, no standard for this data and everyone exports it differently. One viable option would be, like you said yourself, using the free data provided by Dukascopy. Please take into considerat... |
2297 | Any specific examples of company valuations according to Value Investing philosophy? | [
"430890",
"134722"
] | [
"\"I highly recommend http://pages.stern.nyu.edu/~adamodar/ Professor Damodaran. He's written some of the best valuation books in existence (my favorite, simply \"\"Investment Valuation\"\"). On his website you'll find a big pile of spreadsheets, that are models for working the various approaches to valuing a compa... |
23 | 30% share in business | [
"550624",
"32102"
] | [
"Keep in mind a good lawyer will have the contract cover the five D's: Its really best to lay these things out ahead of time. I watched, first hand, two friends start a business. When they were broke and struggling the worked very well together. Then the money started rolling in. Despite exceeding their dreams ... |
2300 | Does Reuters provide the 4pm London Spot rate for currencies? | [
"304215"
] | [
"The interpretation is correct. The Reuters may give you the London 4PM rates if you query after the close for the day. The close rate is treated as the rate. http://uk.reuters.com/business/currencies/quote?srcAmt=1&srcCurr=GBP&destAmt=&destCurr=USD The London 4PM rate may be obtained from Bank of England at the l... |
2301 | How do I protect money above the FDIC coverage limit? | [
"537394",
"117960"
] | [
"If you are concerned about FDIC coverage, then yes, you can spread your money across multiple banks. The limit is $250k, so after you invest in property, 4 banks should do it. That having been said, in my opinion, it would be a waste to keep all this money in a bank's savings account. You will slowly lose value o... |
2304 | How can I make a one-time income tax-prepayment to the US Treasury? | [
"227079"
] | [
"\"You can make estimated tax payments on Form 1040-ES. Most people who make such payments need to do it quarterly because the typical reasons for making estimated payments is something like self-employment income that a person will get throughout the year. If you have a one-time event like a single, large sale o... |
2305 | Is there a lower threshold for new EU VAT changes coming 1 Jan 2015 related to the sale of digital goods? | [
"315516"
] | [
"Been digging through all the EU VAT directives and have called HMRC as well.. There does not seem to be any lower threshhold for charging VAT into the EU. If you sell £10 of goods/services you have to charge VAT and file a VAT return. Your options are: 1) Register for MOSS and file a single VAT return in your home... |
2308 | In the USA, why is the Free File software only available for people earning less than $62k? | [
"489633",
"554114",
"332855"
] | [
"\"It is very helpful to understand that Free File is not actually \"\"by\"\" the US Internal Revenue Service (IRS). The IRS does indeed offer access to the program through their website, but Free File is actually a public-private partnership program operated and maintained by the Free File Alliance. Who is the Fre... |
2310 | can the government or debt collectors garnish money from any bank account to which the debtor has access? | [
"393553",
"375542",
"400641"
] | [
"There is a difference between an owner and a signer. An owner is the legal owner of the funds. A signer has access to withdraw the funds. In most cases, when a new personal account is opened the name is added as an owner&signer. However, that is not always the case. A person could be an owner, but not a signer, in... |
2311 | Contract job (hourly rate) as a 1099: How much would I be making after taxes? | [
"533808",
"74958",
"463881",
"349926"
] | [
"\"There are way too many details missing to be able to give you an accurate answer, and it would be too localized in terms of time & location anyway -- the rules change every year, and your local taxes make the answer useless to other people. Instead, here's how to figure out the answer for yourself. Use a tax est... |
2312 | In what state should I register my web-based LLC? | [
"583519",
"596973",
"407844",
"440506",
"585899",
"397291"
] | [
"Is it really necessary? If $800 / year registration fee is too much to you, an LLC is apparently not something you need right now. Many people conduct web-based business online on personal terms. My suggestion is that you focus on your business first and try to grow it as much as you can before you get down to a c... |
2314 | Do altcoin trades count as like-kind exchanges? (Deferred capital gains tax) | [
"308967",
"207316",
"199634"
] | [
"\"In June 2016 the American Institute of CPAs sent a letter to the IRS requesting guidance on this question. Quoting from section 4 of this letter, which is available at https://www.aicpa.org/advocacy/tax/downloadabledocuments/aicpa-comment-letter-on-notice-2014-21-virtual-currency-6-10-16.pdf If the IRS believe... |
2315 | Which state do saving interests come from? | [
"218730"
] | [
"\"Most (if not all states) in the US are only interested in source income. If you worked in that state they want to tax it. Many states have reciprocity agreements with neighboring states to exempt income earned when a person works in lets say Virginia, but lives in a state that touches Virginia. Most states don'... |
2317 | Incorporating, issuing stock and evaluating it | [
"321120"
] | [
"No. Mark-to-market valuation relies on using a competitive market of public traders to determine the share price --- from free-market trading among independent traders who are not also insiders. Any professional valuation would see through the promotional nature of the share offer. It is pretty obvious that the... |
2319 | Pros and cons of using a personal assistant service to manage your personal finances? | [
"115055",
"1519",
"8129"
] | [
"Years ago I hired someone part time (not virtual however) to help me with all sorts of things. Yes it helps free up some time. However particularly with finances, it does take a leap of faith. If you have high value accounts that this person will be dealing with you can always get them bonded. Getting an indivi... |
2320 | How can I calculate interest portion of income when selling a stock? | [
"200054",
"112003"
] | [
"When you sell the stock your income is from the difference of prices between when you bought the stock and when you sold it. There's no interest there. The interest is in two places: the underlying company assets (which you own, whether you want it or not), and in the distribution of the income to the owners (the ... |
2322 | What's the difference when asked for “debit or credit” by a store when using credit and debit cards? | [
"138645",
"149032",
"203475",
"6113",
"18832",
"167202"
] | [
"\"These are two different ways of processing payments. They go through different systems many times, and are treated differently by the banks, credit card issuers and the stores. Merchants pay different fees on transactions paid by debit cards and by credit cards. Debit transactions require PIN, and are deducted f... |
2323 | Tax deductions on empty property | [
"41322",
"275543",
"130759"
] | [
"\"A real estate business could offset income from occupied property with costs from vacant property held for speculation. For speculation, you can let a building rot, then get it reassessed. If the jurisdiction assesses part or all of the tax bill on the value of improvements, this can drop the annual tax bill s... |
2326 | Personal Banking using accrual method | [
"209107"
] | [
"\"You would add your daily earnings every day. For example, you work full time job (8 hours a day) at $20/hour. At the end of the 1st day of the month, you'd add $160 to your salary account. You've earned it, even though its still almost a month till you actually get paid. So its accrued. What if you don't get pai... |
2327 | Do company-provided meals need to be claimed on my taxes? | [
"425185",
"71011",
"112793"
] | [
"It looks like the resource to deciding these is here Concerning the meals, the law seems a bit vague to me. You can exclude the value of meals you furnish to an employee from the employee's wages if they meet the following tests. This exclusion does not apply if you allow your employee to choose to receive ad... |
2328 | What are the differences among all these different versions of Vivendi? | [
"450099"
] | [
"\"VIV.PA - is Vivendi listed on a stock exchange in Paris VIVEF - is Vivendi listed on the OTC Other Exchange. VIVHY - is Listed on the OTC:Pink Sheets. A company can be listed on multiple exchanges, they are known as a dual-listed company. It's a corporate structure in which two corporations function as a single... |
2331 | Investing in third world countries | [
"152643",
"28348"
] | [
"I strongly recommend you to invest in either stocks or bonds. Both markets have very strict regulations, and usually follow international standards of governance. Plus, they are closely supervised by local governments, since they look to serve the interests of capital holders in order to attract foreign investment... |
2332 | Net income correlation with Stock Price | [
"551492",
"181107"
] | [
"Ideally, stock price reflects the value of the company, the dividends it is expected to pay, and what people expect the future value of the company to be. Only one of those (maybe one and a half) is related to current sales, and not always directly. Short-term motion of a stock is even less directly linked, since... |
2333 | Ongoing Automatic Investment Fee | [
"330792"
] | [
"Reading the plan documentation, yes, that is what it means. Each purchase by bank debit, whether one-time or automatic, costs $2 plus $0.06 per share; so if you invested $50, you would get slightly less than $48 in stock as a result (depending on the per-share price). Schedule of Fees Purchases – A one-time $15.0... |
2335 | Giving kids annual tax free gift of $28,000 | [
"162212",
"214685",
"361821"
] | [
"Why limit yourself to $28K per year? If you pay the tuition directly to the institution, it does not count against your annual or lifetime gift-giving totals. You could pay the entire tuition each year with no tax consequences. The only thing you can't do if you want to go this route is give the money to your ch... |
2336 | Can Professional Certifications be written off in taxes? | [
"169026"
] | [
"\"There are a number of federal tax deductions and credits available for education expenses. They are too numerous to describe here, but the place to get full details is IRS Pub 970. Note that many, but not all, of them require that you be enrolled in a degree program; since this does not seem to be the case fo... |
2338 | Trader Fostering Program on Futures Day Trading | [
"379914",
"61384"
] | [
"I am a bit at a loss as to how you can read the same book, that inspired Warren Buffet, and take away that trading 600 contracts per month is a way to prosperity. As a fellow engineer I can say with assurance this speculation scheme is doomed to failure. Crossing out the word gamble was a mistake. Instead you ... |
2339 | Is paying off your mortage a #1 personal finance priority? | [
"336998",
"589256",
"487849",
"498881",
"122111",
"402950",
"288504",
"559539",
"445639",
"47565"
] | [
"\"Paying off your house quickly should be a #2-level priority, behind making sure you have some basic savings but definitely ahead of any investing concerns, because your house is not an investment; it's your home. (If you're brave/foolish enough to try buying houses-as-investments in the current climate, this ob... |
2341 | why do I need an emergency fund if I already have investments? | [
"318735",
"560391",
"66201",
"409120",
"254572",
"464080",
"525693",
"451858",
"525929"
] | [
"\"Emergency funds have a very specific and obvious benefit; you'll have money sitting around in case you need it. A lot of people think a big car repair or some unexpected home repair is an emergency, and that's fine. Emergency also expands up to \"\"I lost my job four months ago and we're a year in to a recessi... |
2343 | The Benefits/Disadvantages of using a credit card | [
"65982",
"34833",
"502366",
"570883",
"351664",
"344052",
"12035",
"525129",
"581976",
"366989",
"434143",
"421743",
"275356",
"516955",
"454337",
"97044"
] | [
"There are a couple of things to consider. First, in order to avoid interest charges you generally just need to pay the statement balance before the statement due date. This is your grace period. You don't need to monitor your activity every day and send immediate payments. If you're being really tight with mo... |
2345 | Should I pay off a 0% car loan? | [
"145148",
"89519",
"274122",
"504114",
"260007",
"334559",
"73652",
"420197",
"162631",
"462436",
"470299",
"7835"
] | [
"Between now and October, your $3,000 will earn $30 in your savings account. If you are late on a payment for your 0% loan, your interest rate will skyrocket. In my opinion, the risk is just not worth the tiny gain you are trying to achieve in the savings account. If it was me, I would pay off the loan today. A fe... |
2346 | 2 401k's and a SEP-IRA | [
"251564",
"104934"
] | [
"question #2 - yes, 25% of your 1099 income. Good idea. It adds up quickly and is a good way to reduce taxable income.",
"Please note that if you are self employed, then the profit sharing limit for both the SEP and Solo 401(k) is 20% of compensation, not 25%. There is no need for a SEP-IRA in this case. In addi... |
2347 | In double entry book-keeping, how should I record writing of a check? | [
"441010",
"499889"
] | [
"\"I'm no accounting expert, but I've never heard of anyone using a separate account to track outstanding checks. Instead, the software I use (GnuCash) uses a \"\"reconciled\"\" flag on each transaction. This has 3 states: n: new transaction (the bank doesn't know about it yet), c: cleared transaction (the bank ... |
2350 | How can I legally and efficiently help my girlfriend build equity by helping with a mortgage? | [
"246633",
"59116",
"116182",
"491241",
"410874",
"427505",
"323238",
"127957",
"147422",
"24883",
"150598",
"27932"
] | [
"\"Have her chip in for the regular expenses, utilities, food, etc., and a bit for \"\"rent.\"\" Then tell her to be sure to deposit to her retirement account, preferably a matched 401(k). It's admirable to want her to build 'equity' but it's pretty convoluted. You can't actually give her ownership, and in the eve... |
2353 | If I have no exemptions or deductions, just a simple paycheck, do I HAVE to file taxes? | [
"416511",
"91994",
"228445",
"36063",
"541315",
"25762"
] | [
"\"As a Canadian resident, the simple answer to your question is \"\"yes\"\" Having worked as a tax auditor and as a Certified Financial Planner, you are required to file an income tax return because you have taxable employment income. All the employer is doing is deducting it at source and remitting it on your beh... |
2354 | Are there guidelines for whom you should trust for financial advice (online, peer, experts, only myself, etc) | [
"98457",
"40227"
] | [
"\"You need to understand how various entities make their money. Once you know that, you can determine whether their interests are aligned with yours. For example, a full-service broker makes money when you buy and sell stocks. They therefore have in interest in you doing lots of buying, and selling, not in making ... |
2357 | Including the region where you live in your investment portfolio? | [
"89084",
"216391",
"378137"
] | [
"Diversification is a risk-mitigation strategy. When you invest in equities, you generally get a higher rate of return than a fixed income investment. But you have risks... a single company's market value can decline for all sorts of reasons, including factors outside of the control of management. Diversification l... |
2358 | Interest on security deposits paid to landlords, in Michigan? | [
"131005",
"571920"
] | [
"NO. The legislation requires the landlord to deposit it in a bank. Check out pages 7-10 of the linked document. There is no mention of interest. The second clause, I believe, is probably for large landlords who hold hundreds of thousands of dollars of security. http://www.legislature.mi.gov/documents/publicat... |
2359 | Bank of the Sierra: Are they legit? How can the checking interest APY be so high? | [
"396416",
"323808"
] | [
"The FDIC is pretty confident about them being legit. http://www2.fdic.gov/idasp/main_bankfind.asp (type in Bank Of The Sierra in the name field and search on that) You got to realize how much money they will make if you use them per the agreement. Every credit card / debit transaction gets them some cash. Busin... |
2360 | How does historical data get adjusted for dividends, exactly? | [
"477637",
"394151",
"305983",
"432642"
] | [
"Various types of corporate actions will precipitate a price adjustment. In the case of dividends, the cash that will be paid out as a dividend to share holders forms part of a company's equity. Once the company pays a dividend, that cash is no longer part of the company's equity and the share price is adjusted a... |
2361 | What economic, political and other factors influence mortgage rates (and how)? | [
"144177",
"447237"
] | [
"\"If you owned a bank how would you invest the bank's money? Typically banks are involved in loaning out money to businesses, people, and government at a higher interest rate then what they are paying to depositors. This is the spread and how they make money. If the bank determines that the yields on government ... |
2362 | Why do US retirement funds typically have way more US assets than international assets? | [
"446697",
"315959",
"569834",
"269579",
"587667"
] | [
"There are a few main economic reasons given why investors show a strong home bias: Interestingly, though if you ask investors about the future of their home country compared with other countries they will generally (though not always) significantly overestimate the future of their own country. It is difficult to ... |
2364 | Do I need to file taxes when selling on eBay or Amazon? | [
"411825"
] | [
"\"In simple terms, it is a business operation when it becomes a profit-making enterprise. It is a grey area, but there is a difference between selling occasional personal items on eBay and selling for profit. I would imagine the sort of considerations HM Revenue & Customs would take into account are the size... |
2365 | Making your first million… is easy! (??) | [
"434869",
"62794",
"227568",
"467898"
] | [
"\"It is difficult to become a millionaire in the short term (a few years) working at a 9-to-5 job, unless you get lucky (win the lottery, inheritance, gambling at a casino, etc). However, if you max out your employer's Retirement Plan (401k, 403b) for the next 30 years, and you average a 5% rate of return on your ... |
2366 | What are the risks of Dividend-yielding stocks? | [
"239446",
"271153",
"404336",
"561140",
"506575",
"584531"
] | [
"Yep, there just is no free lunch. So called high dividend stocks are usually from companies that have stable cash flows but relatively little or moderate growth potential. Utility companies come to mind, let's take telecommunications as an example. Such stocks, usually, indeed are considered more conservative. I... |
2368 | Where to deduct gambling losses? | [
"110117"
] | [
"1: Gambling losses not in excess of gambling winnings can be deducted on Schedule A, line 28. See Pub 17 (p 201). Line 28 catches lots of deductions, and gambling losses are one of them. See Schedule A instructions. 2: If the Mississippi state tax withheld was an income tax (which I assume it was), then it goes... |
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