question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
2038 | Overpaid Rent Owed By Real Estate | [
"348510"
] | [
"Have you tried complaining to the Real Estate Institute in your state, and if that doesn't work try taking them to Fair Trading. I know from doing some work for real estates that getting money from them is like getting blood from a stone, but you just need to keep bugging them, talk to the manager or director, and... |
2039 | Gym membership tax deductible? | [
"560087"
] | [
"\"Assuming its in the US: No, it is not, and such things are usually treated as \"\"red flags\"\" for audit (and no, golf club memberships are not deductible either). The food expenses are not deductible in their entirety as well, only up to 50% of the actual expense, and only if it is directly business related. F... |
2049 | How to tell if you can trust a loan company? | [
"233561"
] | [
"Look for people who have done business with them. If you don't know anyone who has used their services, look for a company that at least has a brick and mortar branch in your area. Being able to deal with them face to face is a must. Have you checked with your local bank?"
] |
2050 | How to transfer money to yourself internationally? | [
"346486",
"319435",
"14765",
"384171",
"366954"
] | [
"Hmmm... As far as I know wire transfers are still the best option. If you make sure your US account accepts international wires for free (like TD Bank does) you'll have eliminated most of the costs (assuming your foreign bank doesn't charge too much for wiring the funds in the first place). Also, if your able to, ... |
2053 | What legal action can Paypal take against me if I don't pay them and I have a negative balance? | [
"267347"
] | [
"Paypal can take exactly the same legal actions against you as any creditor could -- take you to court for wilful nonpayment of debt, sell your debt to a collections agency, or anything else a business would do with a deadbeat customer. But this is a legal question, and as such off topic here."
] |
2054 | Is there a limit on the dollar amount of a personal check? | [
"594483",
"522669",
"451969",
"471439",
"11716"
] | [
"Because of the way checks are processed, you can't write a check for $100 million or more: http://www.bankingquestions.com/checksyoureceived/q_limitfunds.html The field used for 'amount' has 10 digits, so anything at/above 10^10 cents (which would require 11 digits) can't be processed, at least not by normal means... |
2057 | Bringing money to UK for investment purposes | [
"562007"
] | [
"Transfers of money to the UK for any purpose are not generally taxed, so you can just transfer it here and invest. Once the money is here, you'll be taxed on the business activity like anyone else - the company will have to pay corporation tax, and depending on your own residency you might have to pay income tax o... |
2059 | So the vending machine tore my $5 in pieces. What now? | [
"147551",
"495022"
] | [
"According to the U.S. Bureau of Engraving and Printing, if you have clearly more than one-half of the current bill remaining, you should be able to take it to your bank and exchange it. But if for some reason your bank will not take it, you can submit it to Bureau of Engraving and Printing Office of Currency Stand... |
2061 | Are there extra fees for a PayPal Premier account? | [
"257311",
"401677"
] | [
"If you are using paypal to sell items online, you need a Premier (or better) account rather than personal. Paypal states: Our fees are the same for Personal, Premier, and Business accounts. [...] If you use your PayPal account to request money from someone, you'll be charged a fee when you receive the payment.... |
2063 | Does an employee have the right to pay the federal and state taxes themselves instead of having employer doing it? | [
"227197",
"3173",
"510409"
] | [
"You can file a revised W-4 with your employer claiming more allowances than you do now. More allowances means less Federal tax and (if applicable and likely with a separate form) less state tax. This doesn't affect social security and Medicare with holding, though. That being said, US taxes are on a pay-as-you-go... |
2064 | Is there such thing as a Checking account requiring pre-approval / white-list? | [
"115890",
"481817",
"531192"
] | [
"I don't believe there is such a process. My observation (i.e. my opinion) is that banks will have a level of security walls appropriate to the cost vs risk they experience. Since as Frazell says, your liability is limited for this type of fraud, you personally bear little if any risk. If this fraud were common e... |
2065 | Credit History and Outstanding Debts in Hungary | [
"241349"
] | [
"It appears all you have to do is submit a form. It might be better if she submitted it herself instead of you doing it on her behalf. All natural persons (individuals) and non-natural persons (businesses) are entitled to access and inspect the data held on record about them in the Central Credit Information S... |
2066 | Why do companies have a fiscal year different from the calendar year? | [
"153375",
"382133",
"108709",
"103175",
"181266"
] | [
"I know some companies or entities have large incomes or expenses at certain times of the year, and like to close their books after these large events. For example where I work, the primary seasonal income comes after summer, so our fiscal year ends at the last days of October. This gives the accountants enough ... |
2069 | For somebody that travels the same route over and over again, what are some ways to save on airfare? | [
"74797",
"520087"
] | [
"Yapta.com will track flight prices, so you can know when a good time historically is to make a bunch of reservations. Also, Air India has a frequent flier program so I hope you have signed up for it... you could get free flights once you get enough points (although I would probably use your points for upgrades to... |
2071 | Can I account for start-up costs that occur before incorporation? | [
"127584"
] | [
"Yes you can. You should talk to your tax advisor re the specific expenditures that can be accounted as startup-costs (legal fees are a good candidate, for example). If they add up to significant amounts (>$5K), you'll have to capitalize them over a certain period of time, and deduct from your business' income. Thi... |
2073 | Landlord living in rental unit - tax implications? | [
"349674",
"286245"
] | [
"Does allowing family to stay at the rental jeopardize my depreciation? No, accumulated depreciation that hasn't been deducted reduces your basis in the event of sale. That doesn't go anywhere. Accumulating more may not be allowed though. If the property is no longer rental (i.e.: personal use, your family member ... |
2074 | How were self employed folk taxed in the U.K. before 1997 | [
"400647"
] | [
"\"This link: http://www.ifs.org.uk/fs/articles/ewgm_feb93.pdf (from 1996, describing the proposals for the change) seems to answer the question in its description of \"\"the current system\"\" - they had to file business accounts and it was calculated by the Inland Revenue from that.\""
] |
2079 | Can dues and subscriptions expenses be deducted 100% to calculate taxable income in an LLC company? | [
"480512"
] | [
"IRS Publication 529 is the go-to document. Without being a tax professional, I'd say if the dues and subscriptions help you in the running of your business, then they're deductible. You're on your own if you take my advice (or don't). ;)"
] |
2082 | Merrill Lynch historical stock prices - where to find? | [
"386523"
] | [
"You could try asking Merrill Lynch, (general inquiries) :- http://www.ml.com/index.asp?id=7695_114042 So far I only found a few graphics :- http://topics.nytimes.com/top/news/business/companies/merrill_lynch_and_company/ http://www.reuters.com/article/2008/01/17/us-merrilllynch-results-idUSWNAS674520080117 http... |
2083 | How feasible would it be to retire just maxing out a Roth IRA? | [
"107520",
"101902",
"411783"
] | [
"Interesting. The answer can be as convoluted/complex as one wishes to make it, or back-of-envelope. My claim is that if one starts at 21, and deposits 10% of their income each year, they will likely hit a good retirement nest egg. At an 8% return each year (Keep in mind, the last 40 years produced 10%, even with ... |
2085 | Non Resident Alien(Working full time on F1-OPT) new car sales tax deduction | [
"507107",
"136932"
] | [
"A non-resident alien is only allowed for deductions connected to producing a US-sourced income (See IRC Sec. 873). Thus you can only deduct things that qualify as business expenses, and State taxes on your wages. In addition you can deduct a bunch of stuff explicitly allowed (like tax preparation, charitable contr... |
2087 | Assessing the value of an ETF | [
"119819",
"582636"
] | [
"\"You seem to be assuming that ETFs must all work like the more traditional closed-end funds, where the market price per share tends—based on supply and demand—to significantly deviate from the underlying net asset value per share. The assumption is simplistic. What are traditionally referred to as closed-end fund... |
2090 | Confirming that stocks are listed under my name | [
"564870",
"197352"
] | [
"\"The answer to your question is \"\"no\"\". Unless you specifically ask to receive paper share certificates, then brokers will hold your shares with a custodian company in the broker's own nominee account. If you are able to receive paper certificates, then the registrar of the company whose shares you own will ... |
2091 | Do my parents need to pay me minimum wage? | [
"282158",
"534997"
] | [
"Yes they do. Here is the main page on minimum wage for the province of British Columbia. This page lists exemptions from BC minimum wage laws, but there are none for working in a family business, or for being underage. Students are exempted only if they are on approved work study. Generally all provinces apply mi... |
2092 | How is a Condominium / Apartment Building fiscally identified? | [
"590517"
] | [
"In such cases, it has a EIN, like any business would. Even absent the rent you suggest, the condo should have reserve funds, similar to an individual's emergency account, only more codified as to level and flows. These funds should be earning interest."
] |
2094 | Can preventive health checkup be claimed as a separate expense from medical expenses? | [
"69012",
"138746"
] | [
"\"There are 2 different things, As per IT Act, one can get \"\"Medical Reimbursement\"\" upto Rs 15,000 which is tax free. The way it is supposed to work is an employee submits bill and employer will \"\"Reimburse\"\" upto Rs 15,000. So if one does not submit any bills, he does not get any money. If the employer h... |
2097 | Why are prices in EUR for consumer items often the same number as original USD price, but the GBP price applies the actual exchange rate? | [
"231369",
"555342",
"196308"
] | [
"\"The simplest answer would be: Because they can. Why charge less for something if people will pay more? One example are Apple products. While there the price number is not exactly the same in EUR and USD, they are so close that, effectively, the EUR product is more expensive. Many things go into a price. There mi... |
2098 | Restricting a check from being deposited via cell phone | [
"473274",
"224983",
"15473"
] | [
"No, most check deposits are processed that way. Banks transmit the pictures of the checks between themselves, and allow business customers to deposit scans for quite some time now. I see no reason for you to be concerned of a check being in a dusty drawer, it's been deposited, cannot be deposited again. If you're ... |
21 | Deducting last years (undocumented) side business loss | [
"497642"
] | [
"You should speak to a good tax adviser. The less documentation you have the more problems IRS are going to cause you. Generally you can deduct business losses (in the year they occurred, which is 2011), but you have to show that that was a valid business, not just a way to reduce your tax bill with personal expens... |
2100 | Why is retirement planning so commonly recommended? | [
"139175",
"118880",
"109061",
"407637",
"47614",
"220072",
"335319",
"519174",
"544420"
] | [
"1) People aren't always going to be able to do their occupation, or their desired hobby. 2) Government assistance, or whatever you want to call it, is available at a certain age. Some people look forward to this and plan to rely on it, but it isn't really sufficient for living off of and keeping the standard of li... |
2103 | How to become an investment banker? | [
"465843",
"879"
] | [
"Apply for a job/internship to get a first impression of what it means to work in investment banking. Go to a tier one business school and try to get an CFA. Most importantly: work, work, work... Get practical experience as much as possible.",
"Since you are only 16, you still have time to mature what you will do... |
2104 | Got a “personal” bonus from my boss. Do I have to pay taxes and if so, how do I go about that? | [
"531356",
"95435",
"259924",
"87102"
] | [
"I actually think your boss is creating a problem for you. Of course it's taxable. The things IRS will look at (and they very well might, as it does stand out) what kind of payment is that. Why did it not go through payroll? The company may be at risk here for avoiding FICA/FUTA/workers' compensation insurance/Stat... |
2106 | What is today's price of 15 000 Euro given 15 years ago? | [
"137206",
"545996",
"350180"
] | [
"\"With no written agreement in place, the \"\"right\"\" rate is whatever both parties can agree to. I could argue that I could have invested the money in S&P 500 index funds and made about 9% annually over the last 15 years and the 15,000 would have been over 40,000. The \"\"fair\"\" rate would be whatever rate o... |
2107 | How long does it take for a Tangerine no-fee money-transfer email to be delivered? | [
"264800"
] | [
"I phoned Tangerine; they enlightened me. It generally takes 2 hours for the email to arrive. Next, the recipient must open the email, click the link, and enter their bank account number. They'll generally receive the money 2-3 business days after that. This forum post suggests that the delays are due to systemic r... |
2109 | If I send money to someone on student visa in USA, will he need to pay taxes on that? | [
"448525",
"427202"
] | [
"First: I am not a tax lawyer. This is just an educated opinion; not a legally verified answer. Taxes are to be paid on income, not on money that you handle for someone. So if the idea is only that he gets and holds the money for you until a later point in time, there should be no tax liability. If the amount is hi... |
2111 | What does it mean for a normal citizen like me when my country's dollar value goes down? | [
"513938",
"180581",
"36272",
"598855"
] | [
"This may make Australian exports cheaper, which can be a good thing. However it is at the expense of making imports more expensive. Look to Japan, which is devaluing their currency, and is a large importer of energy: I wont say its bad or unnecessary to hold money in other currencies. However, keep in mind that a... |
2112 | Sell a stock and buy a new one | [
"332243",
"460937"
] | [
"You have to wait for three (business) days. That's the time it takes for the settlement to complete and for the money to get to your account. If you don't wait - brokers will still allow you to buy a new stock, but may limit your ability to sell it until the previous sale is settled. Here's a FAQ from Schwab on th... |
2113 | Where I can find the exact time when a certain company's stock will be available in the secondary market? | [
"147792",
"163987"
] | [
"Twitter is planning to go public on NYSE. You'll be able to start trading once the stock is listed for trading, which would be the day of the IPO. Note that since you're trading on the secondary market, you won't be able to buy at the IPO prices, whatever the time is. You're buying from someone who bought at IPO ... |
2115 | Will prices really be different for cash and cards? | [
"493638",
"482813",
"319450",
"177403"
] | [
"I think the question relates to the discussion here: http://clarkhoward.com/liveweb/shownotes/2010/10/05/19449/ It was always the case that merchants could discount purchases made with cash. What wasn't allowed is allowing the merchant to charge extra for credit card transactions (presumably to cover the fees the... |
2116 | Tracking my spending, and incoming and outgoing (i.e cashflow) | [
"19794",
"463893"
] | [
"Systems to research that may help you out: Less Accounting and Wave are great because they can import data from banks / credit cards. I know you said your bank doesn't export it but it seems like something as a small business you would want.",
"Honing in on your last question: Is there a better way? I think the... |
2119 | How does a 2 year treasury note work? | [
"155701",
"583897",
"19691"
] | [
"There is a large market where notes/bills/bonds are traded, so yes you can sell them later. However, if interest rates go up, the value of any bond that you want to sell goes down, because you now have to compete with what someone can get on a new issue, so you need to 'discount' the principal value of your bond ... |
2120 | 1040 or 1040NR this time? | [
"506755",
"382295"
] | [
"\"1040 or 1040NR depends on whether you are a resident alien or nonresident alien -- 1040/1040A/1040EZ for resident aliens, and 1040NR/1040NR-EZ for nonresident aliens. Determining whether you are a resident is somewhat complex, and there is not enough information in your question to determine it. Publication 519 ... |
2121 | How aggressive should my personal portfolio be? | [
"504032",
"242310"
] | [
"You're completely missing the most important thing you can do: minimize fees.",
"\"Its important to note that aggression, or better yet volatility, does not necessarily offer higher returns. One can find funds that have a high beta (measure of volatility) and lower performance then stock funds with a lower beta... |
2122 | Minimizing loss during two-way currency transfers involving foreign entities | [
"340271"
] | [
"The solution was to get a foreign bank in each country we do business in. Get a credit card processor there, and simply make our money and keep our money in that country, and taking quarterly gains from those accounts and bringing them to the US account."
] |
2124 | Dow Jones Industrial Average (DJIA), NASDAQ 100, and S&P 500 index historical membership listing? | [
"576184"
] | [
"Dow Jones: http://en.wikipedia.org/wiki/Historical_components_of_the_Dow_Jones_Industrial_Average NASDAQ: http://en.wikipedia.org/wiki/NASDAQ-100 (scroll down) S&P Tricky. From what I can find, you need to be in Harvard Business School, a member of CRSP, or have access to Bloomberg's databases. S&P did have the i... |
2126 | Good Percentage Return on Equity? | [
"557350"
] | [
"Yes definitely Warren Buffet averaged returns of only around 21% throughout his 40 years in business. ROE of 23% is probably more than double the ROE of most companies , whats more as the saying goes its easier to grow sales from 1 million to 100 million than to grow sales from 100 million to 10 billion"
] |
2128 | Is transfer of long term investment proceeds from India considered taxable in the U.S.? | [
"83758"
] | [
"If you are a US resident (not necessarily citizen) then yes, you do have to pay capital gains taxes on any capital gains, including interest from assets oversees (like interest from a savings account). Additionally you have to report all your foreign bank accounts according to FATCA (https://www.irs.gov/businesses... |
2133 | How does UpWork allow US companies to make payments outside of the US? | [
"351114"
] | [
"Permanent employees are the distinct opposite of contractors. Upwork can easily have business entities (limited liability company equivalents) in multiple countries, and it can make payments between them. Or they can merely use existing payment infrastructure (paypal, amazon) to accomplish the same thing. Their co... |
2135 | Who can I get to help me roll my 401(k) into an IRA when I live overseas? | [
"117158",
"267318"
] | [
"It is typically very easy to roll a 401(k) into an IRA. Companies that provide IRA's are very experienced with it, and I would expect that they will take your calls from overseas. You will likely be able to do it over the internet without using a phone at all. Just open an IRA with any brokerage company (Scottrad... |
2136 | What determines price fluctuation of groceries | [
"472316",
"489586",
"301439"
] | [
"\"Yes and no. First off, commodity prices reflect the cost of a good about 3 steps back in the retail supply chain; the agreed-upon price for the raw foodstuff between farmers/ranchers and manufacturers. Your grocer may carry bags of whole grain wheat, but that's certainly not all he carries that contains it. Same... |
2138 | Can I withdraw from my Roth IRA retirement account to fund a startup? | [
"252373",
"352760",
"290228"
] | [
"\"Yes, it is possible to withdraw money from your Roth IRA before retirement (but I wouldn't necessarily advise you to do so.) Here's the good news, and the bad news: The good news: Unlike a traditional IRA, money contributed to a Roth IRA is done so on an after-tax basis, meaning you don't benefit from a tax ded... |
2139 | When a stock price rises, does the company get more money? | [
"246690",
"137478",
"109246",
"224811"
] | [
"Not directly. But companies benefit in various ways from a higher stock price. One way a high stock price can hurt a company is that many companies do share buybacks when the price is too high. Economically speaking, a company should only buy back shares when those shares are undervalued. But, management may have ... |
2143 | Is this formula accurate for weighing the difference between an S-Corp and LLC? | [
"125696",
"454537"
] | [
"FICA/SE taxes are not 30%. They are at most ~15%, including the employer portion. Employer also pays FUTA tax, and has additional payroll expenses (like fees and worker compensation insurance). The employee's FICA portion is limited up to a certain level of earnings (110100 this year, IIRC). Above it you only pay ... |
2144 | How do I find a legitimate, premium credit repair service? | [
"404814",
"223128"
] | [
"\"Just a word of warning: Most of the companies that promise to repair your credit are scams or close to them. You could just as easily do yourself what they are going to charge you for. Essentially they write a letter to the credit agencies disputing most or all of the bad stuff on your credit report. When you d... |
2145 | Are there any benefits of FMLA beyond preserving your job? | [
"598899",
"332124"
] | [
"How will your employer treat your pay and benefits status while you're on leave? Disability income coverage and leave policies work in tandem to solve very different problems. Disability income coverage covers your income, leave policies guarantee your status as an employee. Typically, STD coverage requires a... |
2146 | What benefits do “title search companies” have over physically visiting a land records offices? | [
"47744",
"267068"
] | [
"Title agencies perform several things: Research the title for defects. You may not know what you're looking at, unless you're a real-estate professional, but some titles have strings attached to them (like, conditions for resale, usage, changes, etc). Research title issues (like misrepresentation of ownership, mis... |
2147 | Should I buy my house from my landlord? | [
"47230",
"342382",
"159403"
] | [
"Never buy a house unless you really want to buy that house. If you want to buy a rental, look around and find the right rental to buy; saving a few hundred on moving costs isn't a good reason to buy the wrong property at the wrong price.",
"Can he legally break your lease if he sells the place? If not I would j... |
2148 | Hourly rate negotiation tips for paid internship | [
"459536",
"69873",
"561920"
] | [
"Interns are not hired to do work, they are hired so that people at the company can get a look at their abilities in a real situation (not an interview) before hiring them for real. This way instead of 30% of your new hires being a dud, it's more like 5%, because the bad ones were filtered out in the intern process... |
2149 | “Debt Settlement Order” Text Spams – How do they work? | [
"370066"
] | [
"\"There are likely to be two approaches: An autodialer of any description would be more than capable of sending an SMS or initiating a direct telephone call with any set of telephone numbers. Such autodialiers can run off a personal computer via VoIP or some such third-party. As to getting the numbers, it can be... |
2150 | Solo-401k interaction with employer sponsored 401k. Limits of contribution from Schedule C income | [
"590310"
] | [
"Alright, team! I found answers to part 1) and part 2) that I've quote below, but still need help with 3). The facts in the article below seem to point to the ability for the LLC to contribute profit sharing of up to 25% of the wages it paid SE tax on. What part of the SE tax is that? I assume the spirit of th... |
2151 | What is the point of the stock market? What is it for, and why might someone want to trade or invest? | [
"517323",
"523310",
"273644"
] | [
"The stock market is just like any other market, but stocks are bought and sold here. Just like you buy and sell your electronics at the electronics market, this is a place where buyers and sellers come together to buy and sell shares or stocks or equity, no matter what you call it. What are these shares? A share ... |
2152 | Credit card issued against my express refusal; What action can I take? | [
"520998",
"225760",
"289966",
"157715"
] | [
"I would go speak to the bank manager. With Wells, you have to make sure it is the bank manager and not a service manager or something you are talking to (I learned that a few months ago). Tell her/him exactly what happened in detail and that you want the credit card closed and the credit inquiry removed from your... |
2153 | What's my risk of buying a house for a friend and sell back to him? | [
"265507",
"573143",
"139644"
] | [
"Risks:",
"\"This is fraud, the related legal code is \"\"11 USC 548 - Fraudulent transfers and obligations\"\"; also see the wiki page for Fraudulent Conveyance in the United States. Highly suggest cutting off contact with this person, and speaking with a lawyer as soon as possible to make sure you have not alr... |
2157 | How to divide a mortgage and living area fairly? | [
"110283",
"457543",
"61782"
] | [
"I suggest that you first decide on what %'s of the home value you each have a legal claim to. Then split the mortgage using the same %'s. Then, if someone feels their % is slightly higher, they are compensated because they 'own' a correspondingly higher share of the house. Use the same %'s for downpayments (which ... |
2160 | How to maximize small business 401k contribution? | [
"244412",
"17166",
"290105"
] | [
"My understanding is that to make the $18,000 elective deferral in this case, you need to pay yourself at least $18,000. There will be some tax on that for social security and Medicare, so you'll actually need to pay yourself a bit more to cover that too. The employer contribution is limited to 25% of your total c... |
2162 | VAT and German freelance working on international project | [
"484352",
"381830"
] | [
"\"11 / 111 / 11111 looks like the (old) tax number: it is used by the tax office to know who you are, it isn't good at all for the spanish company. It would even change when you move inside Germany. VAT IDs are not exclusive to GmbHs (but a GmbH always has one). As freelancers you can get at VAT ID but you don't ... |
2164 | Best way for for soon to turn 18 to learn about money? | [
"179640",
"29176"
] | [
"\"Excellent questions! Asking such questions indicates something special about yourself. The desire to learn and adjust your beliefs will increase your chance of success in your life. I would use a wide variety of authors to increase your education. Myself I prefer Dave Ramsey to Clark Howard, but I think Clar... |
2165 | Why do consultants or contractors make more money than employees? | [
"250766",
"338324",
"413879",
"176777",
"129089",
"495076",
"70384"
] | [
"The benefits and taxes thing, in my opinion is the biggie. Most people don't realize that the cost to the company for a full-time employee with benefits can be 2x or even 3x the amount they see in their paycheck. Health plans are extremely expensive. Even if you are having money taken from your check for health i... |
2169 | Why invest for the long-term rather than buy and sell for quick, big gains? | [
"360059",
"326464",
"502358",
"473978",
"18532",
"210581",
"245617",
"56742",
"117491",
"22026",
"40652",
"215338",
"382101",
"516880",
"52121"
] | [
"\"There are people (well, companies) who make money doing roughly what you describe, but not exactly. They're called \"\"market makers\"\". Their value for X% is somewhere on the scale of 1% (that is to say: a scale at which almost everything is \"\"volatile\"\"), but they use leverage, shorting and hedging to com... |
2170 | 2 houses 450k each or one 800k? | [
"321877",
"513991",
"245810"
] | [
"Having someone else paying you rent is always going to be the better deal financially. The question is, what does $450k buy in the neighborhood in which you want to live, vs $800k? I'm going to assume you can afford either option (buying a $450k home and not selling, or an $800k home and selling your current one) ... |
2172 | Is inflation a good or bad thing? Why do governments want some inflation? | [
"32023",
"421752",
"489635",
"11341",
"580591",
"501743",
"405509",
"58590",
"537898",
"511977",
"428895"
] | [
"\"Sensitive topic ;) Inflation is a consequence of the mismatch between supply and demand. In an ideal world the amount of goods available would exactly match the demand for those goods. We don't live in an ideal world. One example of oversupply is dollar stores where you can buy remainders from companies that ... |
2173 | What are the costs to establish an LLC and to maintain it? | [
"258611",
"311947"
] | [
"The cost will be around $300-$500 if you do it correctly it in Florida and can be over a $1,000 if you do it in New York (New York is more expensive due to a publication requirement that New York has for LLC’s). The price ranges I’ve given include filing, state fees, getting a tax ID number (EIN), operating agree... |
2174 | Why does the share price tend to fall if a company's profits decrease, yet remain positive? | [
"341424",
"325669",
"288551",
"253339",
"400620",
"317363",
"598184"
] | [
"It has got to do with market perceptions and expectation and the perceived future prospects of the company. Usually the expectation of a company's results are already priced into the share price, so if the results deviate from these expectations, the share price can move up or down respectfully. For example, many ... |
2175 | When does it make financial sense to take advantage of employer's tuition reimbursement program? | [
"82797",
"267455"
] | [
"\"If you have decided to do the degree, and are simply deciding whether to accept employer funding for it or not, take the funding. I see no difference between \"\"my employer doesn't pay my tuition\"\" and \"\"my employer paid my tuition but I had to pay it back because I moved on\"\". Therefore there is no downs... |
2176 | How can I stop a merchant from charging a credit card processing fee? | [
"191550",
"174774",
"495751",
"41859",
"448225",
"177573"
] | [
"You can report the violation to the payment network (i.e., Mastercard or Visa). For instance here is a report form for Visa and here is one for MasterCard. I just found those by googling; there are no doubt other ways of contacting the companies. Needless to say, you shouldn't expect that this will result in an ... |
2177 | Should I find a regular job or continue doing what am doing? | [
"6363"
] | [
"\"This might sound harsh, but the first thing I would suggest is to stop making excuses. I wasn't able to continue due to pressure from college and family The college I went to was horrible. Employers can very easily hire foreign work-force for very cheap; for example as a citizen if I work $10 an hour, they ca... |
2178 | Can I claim the standard deduction being an Indian citizen and non-resident in USA for tax purposes? | [
"198945"
] | [
"Prachi - While most non-resident aliens are not allowed to claim the standard deduction here are some exceptions: IRS Law under Article 21: ARTICLE 21 Payments Received by Students and Apprentices This falls under the U.S.A.-India Tax Treaty. Sources: I hope this helps. So, yes, I do believe you would be able to c... |
2179 | How to get a credit card as a minor? | [
"539859",
"408308"
] | [
"In general, minors cannot enter into legally binding contracts -- which is what credit accounts are -- so an individually held card is probably not an option for you right now. You will not be approved for a credit card because you are minor. The only option credit card wise for you is for your parents to add ... |
2184 | Ideal investments for a recent college grad with very high risk tolerance? | [
"150475",
"96110",
"314300",
"560395",
"17823",
"102501",
"303561",
"285918",
"313127",
"369342"
] | [
"\"You have a high risk tolerance? Then learn about exchange traded options, and futures. Or the variety of markets that governments have decided that people without high income are too stupid to invest in, not even kidding. It appears that a lot of this discussion about your risk profile and investing has centered... |
2185 | Is it wise to invest in a stock with a large Div yield? | [
"473510",
"50253",
"448872",
"427793"
] | [
"You should not buy soley for the dividend. The price of BHP is going down for a reason. If you hold until the full years dividend is paid you will make 11% (which is $110 if you bought $1000 worth of shares), but if the share price keeps dropping, you might lose 50% on the stock. So you make $110 on dividends but ... |
2186 | Is it sensible to redirect retirement contributions from 401(k) towards becoming a landlord? | [
"212568",
"523949",
"530498",
"394768"
] | [
"\"Here are the issues, as I see them - It's not that I don't trust banks, but I just feel like throwing all of our money into intangible investments is unwise. Banks have virtually nothing to do with this. And intangible assets has a different meaning than you assume. You don't have to like the market, but try t... |
2187 | How to report Canadian income from a small contract job? | [
"156444"
] | [
"\"It's pretty easy. In the Interview Setup for Ufile, check the box for \"\"Self-employment business income\"\". Then during the process of filling everything out, you'll get a Self-Employment screen. It'll ask for the name of your business, but just put your own name since you don't have one. For the 6-digit clas... |
2188 | What is value investing? What are the key principles of value investing? | [
"283733",
"454193"
] | [
"Value investing is an investment approach that relies on buying securities below their intrinsic values. There are two main concepts; one is the Intrinsic Value and the other is Margin of Safety. Intrinsic value is the value of the underlying business - if we are talking about stocks - that can be calculated thro... |
2189 | I may earn a lot of cash soon through self-employment on a lucrative project. How to handle the tax? | [
"81599",
"345219"
] | [
"Seek professional advice as duffbeer703 has suggested already. Very important! Consider incorporating. If your income will fluctuate year to year, you can keep profit in the corporation, taxed in its hands at the Canadian small business rate, since such corporate income below $500,000 would likely qualify for th... |
2191 | Why would someone want to sell call options? | [
"134752",
"221881",
"432111",
"575015"
] | [
"You appear to be thinking of option writers as if they were individuals with small, nondiversified, holdings and a particular view on what the underlying is going to do. This is not the best way to think about them. Option writers are typically large institutions with large portfolios and that provide services in... |
2192 | What to do with a distribution as a young person? | [
"133935",
"46986"
] | [
"\"I have money to invest. Where should I put it? Anyone who answers with \"\"Give it to me, I'll invest it for you, don't worry.\"\" needs to be avoided. If your financial advisor gives you this line or equivalent, fire him/her and find another. Before you think about where you should put your money, learn about i... |
2193 | How much money do you have to make every year before you have to pay tax? | [
"425804",
"223170"
] | [
"I'm not confident that the requirements for 2017 are up yet, but assuming they don't change much from those of 2016, then probably not if you have no other earnings this year. If you make $500 a month, then you will make $6,000 this year. This is below the filing requirements for most taxpayers, unless you are ma... |
2196 | Paying taxes on income earned in the US, but from a company based in Norway | [
"541682",
"347723"
] | [
"If you are paid by foreigners then it is quite possible they don't file anything with the IRS. All of this income you are required to report as business income on schedule C. There are opportunities on schedule C to deduct expenses like your health insurance, travel, telephone calls, capital expenses like a new c... |
2197 | Should I have a higher credit limit on my credit card? | [
"34432",
"130723",
"313134",
"348313",
"407547",
"426954"
] | [
"\"There is no \"\"golden rule\"\" on how high of a credit limit an individual should have. There are 22 year olds that have $100,000 credit limits and 40 year olds that have $1000. The most important thing is to not over spend and pay your balance(s) in full every month. Seeing as you are doing that now, there is ... |
2198 | Why does my bank suddenly need to know where my money comes from? | [
"388295",
"159995",
"84866",
"345912"
] | [
"\"Banks have a financial, and regulational duty called \"\"Know your customer\"\", established to avoid a number of historical problems occurring again, such as money laundering, terrorism financing, fraud, etc. Thanks to the scale, and scope of the problem (millions of customers, billions of transactions a day), ... |
2199 | How can rebuilding a city/large area be considered an economic boost? | [
"82104",
"269786",
"15213",
"245884",
"495433",
"50675",
"484439"
] | [
"\"You are not wrong. This is called the \"\"Broken Window\"\" fallacy in economics. Imagine if 20% of a population was employed to go around breaking windows. This would stimulate the economy as many people would have to be employed to make new windows, repair the broken windows, etc.. The problem is that everyo... |
2200 | Money transfer from Australia to India - avoid receiving ends service tax | [
"85522"
] | [
"All Bank fees were included in the service tax ambit [For example Check bounce, issue of duplicate statement, fees charged for remittance etc]. However as quite a few Banks structured the Remittance Business to show less charges and cover the difference in the Fx rate involved, the Govt has redone the service tax ... |
2201 | Possibility of donations in an educational site | [
"413681"
] | [
"You can have a way for people to pay, i.e. some kind of payment gateway. Run as Business: Best create a company and get the funds there. This would be treated as income of the website and would be taxed accordingly. One can deduct expenses for running the website, etc. Run as Charity: Register as one, however the ... |
2202 | Can two companies own stock in each other? | [
"402179",
"514736",
"407898",
"348621"
] | [
"Yes, this can and does certainly happen. When two companies each own stock in each other, it's called a cross holding. I learned about cross holdings in reference to Japanese companies (see Wikipedia - Keiretsu) but the phenomenon is certainly not exclusive to that jurisdiction. Here are a few additional referenc... |
2203 | Does inflation equal more loans? | [
"87580",
"269727"
] | [
"What is the relationship between inflation and interest rates? notes a relationship between inflation and interest rates that would suggest high inflation would imply higher interest rates that would mean less loans as money becomes more expensive in a sense. In contrast, in times of low inflation then rates may b... |
2205 | Tax considerations for outsourcing freelance work to foreign country | [
"57406",
"422603",
"264068"
] | [
"I took littleadv's advice and talked to an accountant today. Regardless of method of payment, my US LLC does not have to withhold taxes or report the payment as payments to contractors (1099/1042(S)) to the IRS; it is simply a business expense. He said this gets more complicated if the recipient is working in the... |
2206 | Are there brokers or companies who trade Forex and make money for us on our investment? And do you think fxtradeinvestment is legit? | [
"596001",
"371337"
] | [
"So you think there is a business that can take $X and in two weeks turn it into $10X plus their profit. That means that in two weeks you can turn $1,000 into $10,000. So every two weeks you add a zero, in six weeks you add 3 zeros. In 12 weeks total your $1,000 is now $1,000,000,000; and in a few weeks after that... |
2207 | How much time would I have to spend trading to turn a profit? | [
"91032",
"484730",
"455467",
"215542",
"179042",
"57033",
"263988",
"237215",
"34752",
"56379"
] | [
"Don't go for the 'fast buck'. There's no such thing. There are two types of people that make money on the stock market: Investors and Speculators. Investors are people that pick a stock that's relatively low, relatively secure, and buy the stock for the long run, 5, 10 years or more. Warren Buffet said his ideal p... |
2209 | Formula for recalculation of a bad loan, i.e. where payments were missed? | [
"236961",
"141005"
] | [
"There's not quite enough to answer the question in full. For the two years of non-payment, were there any penalties, or just accrued interest? If no penalties, this is a 3 step time-value-of-money calculation. First, take the terms of the loan and figure out the balance after 5 years. Second, for two years, incre... |
2210 | How long should I keep an uncleared transaction in my checkbook? | [
"199755",
"207992",
"175448"
] | [
"\"Typically I'll carry the charge for quite awhile, up to a year. If it hasn't cleared by then, I contact the institution that should have received the money to see what they want to do about it. If they tell me not to worry about it, then I change the payee to be \"\"Overdraft Protection\"\", and consider it as... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.