question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
1421 | Using a cash account can someone trade all day on it? | [
"296475",
"367873"
] | [
"No, you cannot. The cash settlement period will lock up your cash depending on the product you trade. Three business days for stocks, 1 business day for options, and you would need waaaaaay more than $5,000 to trade futures.",
"According to Regulation T, you can make as many day trade (round trip) stock purchas... |
1422 | Why doesn't change in accounts receivable on balance sheet match cash flow statement? | [
"475955",
"144739",
"551029",
"407372"
] | [
"\"I'm not an expert, but here is my best hypothesis. On Microsoft's (and most other company's) cash flow statements, they use the so-called \"\"indirect method\"\" of accounting for cash flow from operations. How that works, is they start with net income at the top, and then adjust it with line items for the vario... |
1423 | When does Ontario's HST come into effect? | [
"68275",
"105527",
"529459"
] | [
"\"It looks like the HST will be in effect in Ontario on July 1st, 2010. As to whether it will replace GST with HST for all services, it looks like some sectors may get special treatment: Ontario may exempt mutual funds from HST (National Post). But it doesn't look final yet. However, I would suggest that most s... |
1425 | When does a low PE ratio not indicate a good stock? | [
"194319",
"131335",
"472500"
] | [
"\"Yes, there are situations where a stock is a bad buy in spite of a low PE. PE ratio tells you the current share price divided by the prior 4 quarters earnings per share. It does not consider: Imagine someone walked up to you and said, \"\"Do you want to buy a piece of my business? I'll sell you 1% of it for $100... |
1426 | Are in-kind donations from my S-Corp tax-deductible in any way? | [
"310612",
"532743"
] | [
"\"You should probably have a tax professional help you with that (generally advisable when doing corporation returns, even if its a small S corp with a single shareholder). Some of it may be deductible, depending on the tax-exemption status of the recipients. Some may be deductible as business expenses. To address... |
1428 | What does the settlement date of short interest mean? | [
"36193"
] | [
"At the bottom of the page you linked to, NASDAQ provides a link to this page on nasdaqtrader.com, which states Each FINRA member firm is required to report its “total” short interest positions in all customer and proprietary accounts in NASDAQ-listed securities twice a month. These reports are used to calculate sh... |
1431 | How to explain an income discrepancy to the IRS? | [
"129272"
] | [
"\"The IRS doesn't tax \"\"increased wealth\"\" They tax Revenue -- income. If this money or property came to you as a gift, you would owe no tax on it but the giver probably would owe gift tax. If it came to you as a loan, you would owe no tax on it but the lender would owe tax on any interest you pay (and must ... |
1433 | How do I look for private limited partnership investment opportunities? (Or should I?) | [
"58426"
] | [
"\"Investing in an existing company is almost like buying a house, or even becoming an \"\"Angel investor\"\" in a start-up. Before you start the process, decide how much you want to be involved in the day-to-day and which industries you would feel most comfortable in. The latter is an important consideration sinc... |
1437 | If earning as freelancer, is it better to be a Sole Trader or Limited Company? | [
"471686",
"50310"
] | [
"As I understand it (please correct me if i'm wrong, i've looked at this before and i've been a sole trader briefly but I've never formed a LTD company) there are pros and cons to forming a limited company. Pros Cons",
"Source Sole trader If you start working for yourself, you’re classed as a self-employed sole... |
1438 | Can I register for VAT to claim back VAT without selling VAT applicable goods? (UK) | [
"203905",
"185282",
"583956"
] | [
"\"As far as I know any business can register for VAT regardless of the nature of the business. If all the goods you sell (or services you provide) are VAT-exempt or zero-rated then you will get refunds from HMRC on VAT your business pays. Any business whose non-VAT exempt turnover (which would include zero-rated ... |
1439 | Automatic transaction on credit card to stay active | [
"407313",
"304009",
"28974",
"80655"
] | [
"Put one of your monthly bills on it. (Utility bill, Netflix, monthly donation to charity, etc.) I have several automatic, recurring monthly charges on my credit card. If you don't have any current monthly bills that you want to switch, contact the Red Cross, or a charity of your choice. They would be very happy t... |
1440 | Are stores that offer military discounts compensated by the government? | [
"376467",
"355558",
"365372"
] | [
"Company X located outside a military base offer discounts to military as a form of marketing. They want to encourage a group of potential customers to use their store/service. In some cases they are competing with subsidized store on the base. In other cases their only competition is other stores outside the base.... |
1443 | Can I claim a tax deduction for working from home as an employee? I work there 90% of the time | [
"436505",
"245122",
"124507",
"582955"
] | [
"The short answer is yes you probably can take the deduction for a home office because the space is used exclusively and you are working there for the convenience of your employer if you don't have a desk at your employers office. The long answer is that it may not be worth it to take the home office deduction as a... |
1446 | Do I need to pay Income Tax if i am running a escrow service in India | [
"218460",
"133701",
"552747"
] | [
"\"This may be closed as not quite PF, but really \"\"startup\"\" as it's a business question. In general, you should talk to a professional if you have this type of question, specifics like this regarding your tax code. I would expect that as a business, you will use a proper paper trail to show that money, say 1... |
1447 | Do I need to pay quarterly 1040 ES and 941 (payroll)? | [
"18570",
"452896",
"102995"
] | [
"Don't overthink it. As an employee, whether of your own corporation or of someone else, you get a salary and there are deductions taken out. As the owner of a business you get (hopefully) business profits as well. And, in general, you often have other sources of income from investments, etc. Your estimated tax pay... |
1449 | Theoretically, if I bought more than 50% of a company's stocks, will I own the company? | [
"336017",
"287348",
"464263",
"54424",
"211908",
"545964",
"173883",
"508489"
] | [
"You'll own whatever fraction you bought. To own the company (as in, boolean - yes or no) you need to buy 100% of the outstanding stock. RE controlling the company, in general the answer is yes - although the mechanism for this might not be so straight forward (ie. you may have to appoint board members and may only... |
1452 | Using a self-directed IRA to buy vacation condo, rent it out to an LLC for $1 | [
"171054",
"515690"
] | [
"\"Self directed IRAs have rules to prevent self-dealing of this sort called \"\"prohibited transactions\"\". You can't buy or sell or lease assets or obtain services from anyone closely linked to you or any beneficiaries of the IRA. You can't loan yourself money from the IRA, and you can't deliberately take the pr... |
1456 | Will I have to pay taxes for Australia if I have an Australian bank account? | [
"26508",
"483664",
"12906"
] | [
"Because you actually reside in New Zealand, your income taxes will be paid in New Zealand. However, as a non-resident of Australia you will have tax withholding on all of the interest you earn in an Australian bank account. Obviously, because that tax is paid to Australia, that will not be counted against your New... |
1460 | Are PINs always needed for paying with card? | [
"158008",
"159460",
"453299",
"251561",
"26996",
"277964"
] | [
"There generally isn't much in the way of real identity verification, at least in the US and online. The protection you get is that with most credit cards you can report your card stolen (within some amount of time) and the fraudulent charges dropped. The merchant is the one that usually ends up paying for it if i... |
1461 | Do I make money in the stock market from other people losing money? | [
"468717",
"31244",
"350110",
"516561",
"118960",
"226197",
"564396",
"48227",
"482739",
"592891"
] | [
"\"Do I make money in the stock market from other people losing money? Not normally.* The stock market as a whole, on average, increases in value over time. So if we make the claim that the market is a zero-sum game, and you only make money if other people lose money, that idea is not sustainable. There aren't that... |
1463 | Joining a company being acquired | [
"243886",
"24385"
] | [
"\"Is there anything I need to ask or consider during my negotiation process based on the fact that they probably will soon be own by another company? Very tricky situation. You are being hired by one company, and one hiring manager. But you already know that there are big changes ahead. What you don't know is ... |
1464 | How should I record invoices in foreign currency in GNUCash? | [
"119316",
"160275"
] | [
"\"The solution I've come up with is to keep income in CAD, and Accounts Receivable in USD. Every time I post an invoice it prompts for the exchange rate. I don't know if this is \"\"correct\"\" but it seems to be preserving all of the information about the transactions and it makes sense to me. I'm a programmer,... |
1465 | Any tax advantage for registering a residential house as a business? (I want to apply legal pressure to my landlord) | [
"280435"
] | [
"\"To the best of my knowledge, in California there's no such thing as registering a place as a business. There's zoning (residential/commercial/mixed/etc), and there's \"\"a business registered at a place\"\". But there's no \"\"place registered as a business\"\". So you better clarify what it is that you think yo... |
1466 | Difference between a mortgage and buy-to-let in UK | [
"9390",
"15731",
"466888"
] | [
"\"Residential mortgages normally explicitly state that the property cannot be let without explicit permission, whereas BTL mortgages typically require that the property be let. There are other differences. Residential mortgages are regulated, which means that consumers have a degree of protection from mis-selling;... |
1470 | Could someone place an independent film on the stock market? | [
"237323",
"460058"
] | [
"\"When we say \"\"stock market,\"\" we are usually thinking of the publicly traded stocks, such as the New York Stock Exchange or the NASDAQ. Shares of individual products do not go on these exchanges, only large corporations. You won't see a stock ticker symbol for The Force Awakens or for the iPhone 6s Plus. T... |
1471 | Company requires me to use my personal cell phone to work. Writeoff? | [
"86134"
] | [
"Not authoritative, but according to TurboTax: If your new cell phone acts as both your business and personal phone, you are only allowed to deduct the portion used for business from your taxable income. It’s important for you to hang on to your itemized phone bill and receipts to ensure that you’re deducting the r... |
1472 | Is an analyst's “price target” assumed to be for 12 months out? | [
"452338",
"517279",
"8321",
"18750",
"365763",
"343837"
] | [
"I wouldn't put too much stock in the guidance generically... it's more a measure of confidence in the company. When you listen to the earnings calls and start following a particular analyst, you'll understand where they come from when they kick out a number.",
"\"If the time horizon is not indicated, this is jus... |
1474 | A merchant requests that checks be made out to “Cash”. Should I be suspicious? | [
"153505",
"471872",
"323015",
"264857",
"179631"
] | [
"There are legitimate reasons: I wouldn't jump the gun and assume that this person is avoiding taxes, etc. Barbers are usually licensed professions. Since it's generally a cash business, they tend to get audited more often by the tax authorities. That said, I wouldn't pay her with a check -- you have no idea who is... |
1475 | What threshold to move from SEP to Solo401k? | [
"280021"
] | [
"I think this article explains it pretty well: Contributions to a SEP are limited to 20% of your business income (which is business income minus half of your self-employment tax), up to a maximum of $45,000. With a solo 401(k), on the other hand, you can contribute up to $15,500 plus 20% of your busine... |
1476 | Can a shareholder be liable in case of bankruptcy of one of the companies he invested in? | [
"100867",
"54341",
"348735",
"310488",
"33157",
"293651"
] | [
"\"No. One of the key ideas behind a corporation is that an investor's liability is limited to the amount he invests, i.e. the amount of stock he buys. This is the primary reason why small businesses become corporations, even though one person owns 100% of the stock. Then if the business goes broke, he won't lose h... |
1477 | Should I deduct or capitalize the cost to replace a water heater in my rental property? (details Below) | [
"193529",
"271436",
"510181"
] | [
"If you're repairing an existing appliance - its an expense. If you're replacing an existing appliance with a new one - that's disposing of one capital asset and putting in service another. You depreciate the new one and you dispose of the old one (if not fully depreciated - talk to your tax adviser how to handle t... |
1481 | What effect does a company's earnings have on the price of its stock? | [
"341652",
"233988",
"563405",
"172691"
] | [
"\"No, the stock market is not there for speculation on corporate memorabilia. At its base, it is there for investing in a business, the point of the investment being, of course, to make money. A (successful) business earns money, and that makes it valuable to its owners since that money can be distributed to the... |
1483 | What types of receipts do I need to keep for itemized tax deductions? | [
"173212",
"11539",
"206466"
] | [
"\"I would say to only bother keeping the ones you know you'll use for itemized deductions. This includes any unreimbursed business expenses and vehicle licensing fees. There are a lot of other itemized tax deductions possible, but those are two common ones. Also, keep track of your business mileage (mileage before... |
1485 | Are COBRA premiums deductible when self-employed? | [
"54333",
"422697",
"110102",
"595765",
"131761",
"214358"
] | [
"\"The basic idea is that the average person can't deduct health care costs unless they're really onerous. But a business can, and as a self-employed person, you can deduct those costs from the businesses earnings... as long as the business is really generating enough profit to cover the health insurance costs. Tha... |
1489 | What U.S. banks offer two-factor authentication (such as password & token) for online banking? | [
"81843",
"40854",
"256505",
"524242",
"532804",
"447922"
] | [
"\"StasM, It's taken a while but many banks offer tokens - although they tend to limit the accounts for which they will be issued. All of the following issue tokens, but there are many more: CitiBank JP Morgan Union Bank Wells Fargo Callaway Bank Wachovia Bank of North Dakota The River Bank of Wisconsin Metcalf Ban... |
1490 | Strategies to guarantee arrival time for transfers between banks | [
"592796"
] | [
"Transfers are defined to arrive on a specific number of business days, nearly always one business day (if you submit it before the cutoff time). The exact number of days depends on the receiver bank, but when you try to create a transfer, it will tell you when it will arrive, before you send it out."
] |
1492 | How often do stocks become worthless? | [
"231677",
"546239"
] | [
"\"The only thing that makes a stock worthless is when the company goes out of business. Note that bankruptcy, by itself, does not mean the company is closing. It could successfully restructure its affairs and come out of bankruptcy with a better outlook. Being a small or unprofitable business may cause a company's... |
1493 | Why do banks finance shared construction as mortgages instead of financing it directly and selling the apartments in a building? | [
"189678",
"189824",
"10849",
"575649",
"156756",
"453624",
"141425",
"528363",
"440696"
] | [
"\"Remember that risk should correlate with returns, in an investment. This means that the more risk you take on, the more return you should be receiving, in an efficient marketplace. That's why putting your money in a savings account might earn you <1% interest right now, but putting money in the stock market aver... |
1494 | If I pay taxes on my earnings, would someone also pay taxes on the same earnings if I subcontract them and pay a share? | [
"468741"
] | [
"If you want to subcontract some of your excess work to somebody else, you better be in business! While some kinds of employees (e.g. commissioned salespeople) are permitted to deduct some expenses on their income tax, generally only a real business can deduct wages for additional employees, or the cost of service... |
1495 | Why is there such disparity of max contribution limits between 401K accounts and regular IRA accounts? | [
"533537",
"514876",
"238360"
] | [
"The 401k was not written with the specific intent of enabling retirement savings. Why do tax advantages favor employees of large employers... It seems that large businesses have been more effective at influencing legislators despite that there are more people are employed by small than large businesses.",
"IRAs... |
1505 | What options do I have at 26 years old, with 1.2 million USD? | [
"172778",
"585494",
"222153",
"201415",
"393104",
"284805",
"269918",
"121160",
"426591",
"444234",
"487348",
"405344",
"592654",
"200477",
"326019",
"9597",
"44574",
"328770",
"34537",
"302315",
"207914",
"264053",
"192669"
] | [
"The amount of money you have should be enough for you to live a safe but somewhat restricted life if you never worked again - but it could set you up for just about any sort of financial goal (short of island buying) if you do just about any amount of work. The basic math for some financial rules of thumb to keep ... |
1508 | How quickly does short float ratio/percent change? | [
"41214"
] | [
"The short float ratio and percent change are all calculated based on the short interest (the total number of shares shorted). The short interest data for Nasdaq and NYSE stocks is published every two weeks. NasdaqTrader.com shows the exact dates for when short interest is published for Nasdaq stocks, and also say... |
1519 | Double-Taxation of Royalties paid for in Korea to a US Company | [
"310190"
] | [
"If treaties are involved for something other than exempting student wages on campus, you shouldn't do it yourself but talk to a licensed US tax adviser (EA/CPA licensed in your state) who's well-versed in the specific treaty. Double taxation provisions generally mean that you can credit the foreign tax paid to you... |
1523 | Is there a way to claim a car purchase in the tax return? | [
"299002",
"146388"
] | [
"IRS Publication 463 is a great resource to help you understand what you can and can't deduct. It's not a yes/no question, it depends on the exact company use, other use, and contemporaneous record keeping.",
"You've got two options. Deduct the business portion of the depreciation and actual expenses for operat... |
1531 | Can I deduct equipment expenses for a job I began overseas? | [
"350839",
"571711"
] | [
"A computer is a special case because the IRS thinks that you might be using it for personal applications. You may need to keep a log, or be able to state that you also have another computer for non-business use. That said, if your schedule C shows a small profit then you don't need to itemize expenses, just sta... |
1532 | How do we know the number of shorted shares of a stock? | [
"14461"
] | [
"For a company listed on NASDAQ, the numbers are published on NASDAQ's site. The most recent settlement date was 4/30/2013, and you can see that it lists 27.5 million shares as held short. NASDAQ gets these numbers from FINRA member firms, which are required to submit them to the exchange twice a month: Each FINRA... |
1542 | Can one get a house mortgage without buying a house? | [
"362468",
"101103",
"139978",
"143728"
] | [
"\"I've never heard of a loan product like that. Yes, if they keep the funds in an account, it is no risk to the bank, but they would essentially need to go through the loan process twice for the same loan: when you pick a house, they need to reevaluate everything, along with appraising and approving the house. Ev... |
1545 | What to bear in mind when considering a rental home as an investment? | [
"175692",
"431110",
"79646",
"376839",
"337793"
] | [
"Here would be the big two you don't mention: Time - How much of your own time are you prepared to commit to this? Are you going to find tenants, handle calls if something breaks down, and other possible miscellaneous issues that may arise with the property? Are you prepared to spend money on possible renovations a... |
1546 | What does cryptocurrency mean for governments? | [
"199785"
] | [
"Government's tax citizens and businesses in their currency. Earnings (even earnings in cryptocurrencies) are taxable income."
] |
1547 | Are there any regulations regards end of loan payment procedures? | [
"576513"
] | [
"There are federal regulations that state that: As a result it can be assumed that when a loan is paid off, notification should be given to the borrower. There is not a penalty since schools are pretty good about recovering their money. It could be due to a simple human error or glitch in the system. I would email ... |
1549 | If banksimple.com is not a bank, what is it? | [
"566091",
"23483",
"531171"
] | [
"The model itself is fairly common for serving particular niche markets. A few other organizations which operate in similar setups: prepaid card providers such as NetSpend, GreenDot, AccountNow, etc; startups such as SmartyPig, PerkStreet, WePay, and HigherOne. Still, nobody else seems to be providing full-service ... |
1550 | How can a credit card company make any money off me? I have a no-fee card and pay my balance on time | [
"5715",
"34108",
"564718",
"346114",
"9814"
] | [
"Credit cards have two revenue streams: So yes, the are making money from your daily use of the card.",
"They don't make any money off of you personally. They make money off of the merchants per transaction when you use the card. You trigger this fee to the credit card issuer, but it doesn't come out of your poc... |
1552 | What are the common income tax deductions used by “rich” salaried households? | [
"6103",
"200131",
"18790",
"296345",
"544439"
] | [
"\"You're asking explicitly about $250K+ wage earners. Well, believe it or not, but this is the most discriminated group of people in the US tax code. This is what is called \"\"the upper middle class\"\". People who still have to work for a living, but treated as if they're rich (I don't consider people who must w... |
1553 | How U.S. Depreciation works Explain in brief? | [
"107794"
] | [
"If a business tool has a limited lifespan, it's value decreases (depreciates) from year to year. The business can capture that loss of value on some things that it couldn't otherwise write off as expenses. A few tools can be either expenses or depreciated, but only one of those can be chosen for that particular ob... |
1555 | If I pay someone else's property taxes, can I use it as a deduction on my income tax return? | [
"263202",
"345366",
"24667"
] | [
"According to page 107 of the instructions for schedule A for form 1040 : Include taxes (state, local, or foreign) paid on real estate you own that was not used for business. ... If you want to make a business out of her property and be her agent in the management, you might be able to work with an accountant on th... |
1556 | Is it possible for credit card companies to check credit score in India? | [
"106831"
] | [
"Is it possible for the card issuing banks to check my score without my permission? As far as I understand these things, that is exactly the whole purpose of these sorts of credit-rating institutions. The banks and other financial businesses are their customers. They exist to serve those customers. Their relationsh... |
1557 | Free cash flow and capex on morningstar.com | [
"314110"
] | [
"\"Free Cash Flow (FCF) is not a metric/data point which represents any ACTUAL cash flow of a company. FCF is a data point which communicates how much cash a company has after Operating cash requirements and cash expenditures \"\"required\"\" to grow and maintain the existing business. FCF can be used to pay divide... |
1558 | Filing a corporation tax return online? | [
"64598",
"253210"
] | [
"When in doubt, you should always seek the advice of a professional tax preparer or your accountant. (Many agents/accountants will gladly review your tax preparations to ensure you haven't missed something. That's quicker and cheaper than paying them to do it all.) Having said that... This Illinois resource has det... |
1559 | Taxes on transactions of services | [
"102507",
"300486"
] | [
"Do Alice and Bob have to figure out the fair market value of their services and report that as income or something? Yes, exactly that. See Topic 420. Note that if the computer program is for Bob's business, Bob might be able to deduct it on his taxes. Similarly, if the remodeling is on Alice's business propert... |
1560 | How long do wire transfers take? | [
"201294"
] | [
"The experience I have with wire transfers is from Australia to the US. These transfers can take up to 5 business dates (i.e. a whole week including the non-business days of the weekend). I would have thought intra-European transfers would be quicker, given how behind most US (regional) banks are in their electroni... |
1563 | Do companies that get taken-over have to honour the old gift card/certificate? | [
"80563",
"510579"
] | [
"It depends completely on the nature of the takeover. When a business is bought, the new owner takes on the obligations of the prior owner, the debts don't just go away. When a business files for bankruptcy, its debts may get discharged, and gift card holders can easily be the first ones to get nothing back. A case... |
1564 | Federal taxes for nonresident alien whose only income in 2016 was a 2015 state tax return | [
"5762"
] | [
"\"I believe you have to file a tax return, because state tax refund is considered income effectively connected with US trade or business, and the 1040NR instructions section \"\"Who Must File\"\" includes people who were engaged in trade or business in the US and had a gross income. You won't end up having to pay ... |
1566 | Cash-basis accounting and barter | [
"387578"
] | [
"If you don't track the accrued costs involved, then it means that the valuation of the deal will be somewhat arbitrary, but it still can be made by looking at the value of equivalent or similar goods or services. It's rather similar to accounting treatment of (noncash) gifts, for example. You make up a valuation, ... |
1567 | What is a trade exchange and are they reputable or not? | [
"120986"
] | [
"I think this is off topic, but here is a stab: So these are cashless. It could be a way to smooth out the harsh reality of capitalism (I overproduced my product, I have more capacity than I can sell) and I can trade those good to other capitalists who similarly poorly planned production or capacity. Therefore the... |
1569 | Understanding Gift taxes for mortgage downpayment | [
"117661"
] | [
"You are using interchangeably borrow/loan and gift. They are very different. For the mortgage company, they would prefer that the money from friends and family be a gift. If it is a loan, then you have an obligation to pay it back. If they see money added to your bank accounts in the months just before getting th... |
1570 | American living abroad and not working for an American company - tax reporting and bank accounts | [
"332626",
"417208"
] | [
"\"The IRS taxes worldwide income of its citizens and green card holders. Generally, for those Americans genuinely living/working overseas the IRS takes the somewhat reasonable position of being in \"\"2nd place\"\" tax-wise. That is, you are expected to pay taxes in the country you are living in, and these taxes... |
1574 | Legal restrictions for EU-foreigners to setup bank account in Czech republic | [
"534031"
] | [
"\"It depends on what exactly do you mean by \"\"seat of residence\"\". That term has different meanings (legally) in different countries and different contexts. If you're foreigner (even from within the EU), any czech bank will most likely ask you to provide a residence permit. Here are some details: http://www.mv... |
1575 | Visiting vacation rental with immediate family | [
"528838",
"75005"
] | [
"No, you cannot deduct it. There's no business substance in such a trip, it is your vacation, and as such cannot be claimed as an expense against the rental income. You may be able to deduct the coffee you buy for the meeting with the property manager while there, but there's no way you can justify a 7-10 days vaca... |
1576 | What purchases, not counting real estate, will help me increase my cash flow? | [
"70806",
"514350",
"365675"
] | [
"You can increase your monthly cash flow in two ways: It's really that simple. I'd even argue that to a certain extent, decreasing expenses can be more cash-positive than increasing income by the same amount if you're spending post-tax money because increasing income generally increases your taxes. So if you have a... |
1579 | Paid credit card bill, but money didn't leave my checking account [duplicate] | [
"304662",
"181538",
"152689"
] | [
"The fact that your credit card has seen the payment is strong evidence that the transaction did in fact take place. But it's not unusual for there to be a delay of one or two business days before transactions show up in your online banking records. Saturday and Sunday are not business days. I bet you will see ... |
1580 | Money Structuring | [
"86273",
"167869",
"389356",
"126299"
] | [
"\"See \"\"Structuring transactions to evade reporting requirement prohibited.\"\" You absolutely run the risk of the accusation of structuring. One can move money via check, direct transfer, etc, all day long, from account to account, and not have a reporting issue. But, cash deposits have a reporting requirement ... |
1583 | Optimal way to use a credit card to build better credit? | [
"504989",
"354618",
"444748",
"409910",
"325866",
"58753",
"6341",
"215635"
] | [
"\"First I would like to say, do not pay credit card companies in an attempt to improve your credit rating. In my opinion it's not worth the cash and not fair for the consumer. There are many great resources online that give advice on how to improve your credit score. You can even simulate what would happen to your... |
1584 | Is it legal for a vendor to reuse credit details from a previous transaction | [
"447917"
] | [
"It is very much legal and in fact depending on the fine print of the purchase you make, you have now established a business relationship among which gives the business the right to hold on to your information (unless privacy policy states otherwise) and reuse it under certain circumstances (such as auto shipments)... |
1586 | car loan but 2 people on title | [
"201122"
] | [
"Yes, but then either of you will need the other's permission to sell the car. I strongly recommend you get an agreement on that point, in writing, and possibly reviewed by a lawyer, before entering into this kind of relationship. (See past discussions of car titles and loan cosigners for some examples of how and w... |
1587 | How is income tax calculated in relation to selling used items? | [
"355959",
"26790",
"529565"
] | [
"If the items you sold are items you previously bought for a higher price, the money you get selling them is not income, as you are taking a loss. However, you cannot deduct such losses. If you sell anything for more than what you paid for, the difference is a gain and is taxable. See this IRS web site for the expl... |
1589 | What's the most conservative split of financial assets for my portfolio in today's market? | [
"233226",
"365479",
"377742",
"565827",
"199467"
] | [
"Before investing, absolutely follow the advice in mbhunter's answer. There is no safe investment (unless you count your mattress, and even there you could find moths, theives, or simple inflation taking a chunk out of your change). There is only maximizing your reward for a given level of risk - and there is alwa... |
1591 | How do rich people guarantee the safety of their money, when savings exceed the FDIC limit? | [
"460008",
"350357",
"394276",
"404954",
"304411",
"599563",
"410450"
] | [
"They might not have to open accounts at 12 bank because the coverage does allow multiple accounts at one institution if the accounts are joint accounts. It also treats retirement accounts a separate account. The bigger issue is that most millionaires don't have all their money siting in the bank. They invest in st... |
1593 | Tax implications of having some self-employment income? | [
"449116",
"308113"
] | [
"\"You would put your earnings (and expenses, don't forget) on Schedule C, and then do a Schedule SE for self-employment tax. http://www.irs.gov/businesses/small/article/0,,id=98846,00.html 1040ES isn't used to compute taxes, it's used to pay taxes. Generally you are supposed to pay taxes as you go, rather than whe... |
1594 | Can an International student of F1 VISA accept money in her US bank account on behalf of someone else? | [
"179144"
] | [
"There might be a problem. Some reporting paperwork will have to be done for the IRS, obviously, but technically it will be business income zeroed out by business expense. Withholding requirements will shift to your friend, which is a mess. Talk to a licensed tax adviser (EA/CPA) about these. But the immigration ma... |
1595 | Found Mistake on 2013 1120S Form | [
"217499"
] | [
"\"I don't know if it's common or necessary to include capital stock as a liability? Yes, if you look at the title of the nonasset part of the balance sheet it actually is titled \"\"Liabilities and Shareholders' Equity\"\". Your capital stock is a component of Equity. This sounds like it was reported in a reason... |
1596 | Why Are Credit Card Rates Increasing / Credit Limits Falling? | [
"166442",
"149780"
] | [
"Because people are going deeper into debt and filing for bankruptcy more often, there is more risk on behalf of the credit company. Therefore, they limit their risk by lower limits and increasing interest. For every person that goes bankrupt, there might be 10 that pay that new higher interest rate, thereby netti... |
1597 | Does dividend on 401K have any effect on gains | [
"448582",
"186019"
] | [
"Adjusting for a market change from day to day, the dividend should have no impact on you. Your X shares time $Y should be nearly identical right after that dividend hits the account. And within the 401(k) or IRA for that matter, the accounting doesn't matter most of the time. Outside a retirement account, you nee... |
1598 | Why an inner suburbs small apartment considered a risky investment | [
"45727"
] | [
"The banks see small apartments as a higher risk because usually very small apartments are harder to sell, especially during a falling market when there is an oversupply of these apartments. The price of small apartments will also fall a lot quicker in a falling market. Regarding yield vs capital growth - the empha... |
1599 | Might it make sense not to look into debt that is in collections? | [
"535307"
] | [
"\"It's your business to pay what you owe but it's not your business to determine what you owe. The \"\"Fair Debt Collections Practices act\"\" FDCPA proscribes certain steps creditors must go through to contact you. You appear to not have received any active contact or demand, but you can still cite the FDCPA to... |
16 | Business Investment Loss from prior year | [
"60590"
] | [
"You need to give specific dates! In the United States, you have three years to file an amended tax return. https://www.irs.gov/uac/Newsroom/Ten-Facts-about-Amended-Tax-Returns Did the restaurant fail in 2012? If so, that's probably the year to take the loss. If you need to amend your 2012 return, which you filed i... |
1600 | What do I need to do to form an LLC? | [
"361978",
"564475"
] | [
"I know that there are a lot service on the internet helping to form an LLC online with a fee around $49. Is it neccessarry to pay them to have an LLC or I can do that myself? No, you can do it yourself. The $49 is for your convenience, but there's nothing they can do that you wouldn't be able to do on your own. Wh... |
1601 | How should we organize our finances to effectively plan and prepare for an retirement in next 10 years? | [
"568629",
"510676"
] | [
"Wow! First, congratulations! You are both making great money. You should be able to reach your goals. Are we on the right track ? Are we doing any mistakes which we could have avoided ? Please advice if there is something that we should focus more into ! I would prioritize as follows: Get on the same page. My fir... |
1604 | If I have some old gold jewellery, is it worth it to sell it for its melt value? | [
"246706",
"279317",
"260292",
"168827"
] | [
"Get your jewelery appraised. (Don't let whoever does the appraisal be the same person whom you would sell it to.) Logically jewelery must be worthy more than the raw gold that makes it up because somebody took the time to design patterns and do specialty craft to the metal.",
"I have a buddy that used to run on... |
1608 | Why is there some latency between the time a check deposit was processed and when one can withdraw the money on Fidelity CMAs? | [
"358837"
] | [
"Every bank and credit union in the US has a Deposit Agreement and Disclosures document, Bank of America is no different. Our general policy is to make funds from your cash and check deposits available to you no later than the first business day after the day of your deposit. However, in some cases we place a ... |
1609 | I'm getting gouged on prices for medical services when using my HSA plan. How to be billed fairly? | [
"412235",
"208276",
"440457"
] | [
"The big difference for me under the High deductible plan has been that instead of paying the co-pay, now I am now responsible for the negotiated rate until I reach the deductible limit. The HSA is only a way to funnel medical payments through a tax free account the insurance company and the doctor don't care about... |
1610 | 18 year old making $60k a year; how should I invest? Traditional or Roth IRA? | [
"41417",
"315780",
"31462"
] | [
"\"1) Usually, the choice between Traditional vs. Roth is whether you believe that your tax rate will be higher or lower in the future than it is now. Your income is probably in the 25% bracket now. It's hard to say whether that should be considered \"\"high\"\" or \"\"low\"\". Some people advocate Roth only for 15... |
1612 | How are the $1 salaries that CEOs sometimes take considered legal? | [
"345795",
"152502",
"562368"
] | [
"\"Part of your first link has this statement that I suspect you are missing: However, Section 13(a)(1) of the FLSA provides an exemption from both minimum wage and overtime pay for employees employed as bona fide executive, administrative, professional and outside sales employees. Note that executive is in tha... |
1613 | How hard for US customers make payments to non-resident freelancer by wire transfer? | [
"346495",
"72445",
"346843",
"496385"
] | [
"\"Can you tell me please, is it really hard to make international wire transfer for payment my job and can i resolve this problem without using third party services? This is mostly a barrier, the form at times is quite complicated. For Russia, one has to enter \"\"Purpose of remittance\"\" ... at times select inte... |
1614 | Will a credit card issuer cancel an account if it never incurs interest? | [
"171473",
"344386",
"98381",
"477853",
"217030",
"379932",
"321199",
"414387",
"55522",
"388685",
"389221"
] | [
"While technically true, a card issuer can cancel your card for almost any reason they want, it's highly unlikely they'll cancel it because you pay your bills! There are many, many people out there that pay their bills in full every month without ever paying a cent in credit card interest. I wouldn't ever purposefu... |
1615 | Can LLC legally lend money to a friend? | [
"172594",
"331898",
"555621",
"84858",
"135509"
] | [
"\"One thing I would add to TTT's answer: One of the benefits of using an LLC for your business is right there in the name - \"\"limited liability\"\". It provides a level of protection for your personal assets should your business go bankrupt, get sued, and so forth. However, if someone can show that there's no re... |
1618 | What is the purpose of endorsing a check? | [
"468718",
"165397",
"316359",
"407893",
"91388",
"465260",
"39720"
] | [
"I actually had to go to the bank today and so I decided to ask. The answer I was given is that a check is a legal document (a promise to pay). In order to get your money from the bank, you need to sign the check over to them. By endorsing the check you are attesting to the fact that you have transferred said doc... |
1619 | Credit card statement dates follow pattern? | [
"210300",
"205669",
"489368"
] | [
"My guess: they are giving you a constant number of days between when the bill is sent and when it is due. Due dates are usually set either: same date each month IE the 3rd of each month. same day IE first thursday of the month. Note: due date might vary based on weekends. Number of days in the month - date on bi... |
1620 | Which credit card is friendliest to merchants? | [
"492210",
"451328",
"438976",
"555999",
"518805",
"324548"
] | [
"Cash is king. PIN-based debit transactions are cheap. In terms of credit cards, a regular (ie. not a gold card) with no rewards has the lowest rates. Bigger merchants with lots of card volume likely have better deals that make the differences less pronounced.",
"Please don't waste any more time feeling bad for ... |
1622 | How to properly collect money from corporate sponsors? | [
"323662",
"369577"
] | [
"http://www.legalzoom.com/business-management/starting-your-business/turn-your-calling Answering this, but I expect an expert to give an answer with some insight too There are many more steps, but not having done them personally I suggest you read the legalzoom.com site.",
"If this is something you plan to contin... |
1624 | Does longterm investment in index funds still make sense in a reality of massive algotrading? | [
"458884",
"407385",
"387858"
] | [
"What the automation mostly does is make short-term trading that much more difficult. Day trading is a zero-sum game, so if they win more, everyone else wins less. Long term trading (years to decades) is a positive-sum game; the market as a whole tends to move upward for fairly obvious reasons (at its basis it's s... |
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