Datasets:
circircircle
/
FinQA

Dataset card Data Studio Files
xet
 Community
text
stringlengths
146
45.7k
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: Ripped off may be too strong as it implies intent - I'm hopeful it's just bad logic or ter...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: To expand on what @fishinear and some others are saying: The only way to look at it is th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: First, this was never an arrangement for you to build equity, this was an arrangement for ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: You are getting totally hosed mate. Assume you live in the house for ten years, can get a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: If I understand you situation correctly, then the accepted answer is extremely misleading ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: Yes, you are getting shafted. In the end, you will have paid the full price of the condo, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: Talk to your parents, and find out if you are reducing the debt or not. Find buyers, sell...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: First, I don't think your parents are ripping you off, but you should get your agreement i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: No It's not a loan. It's an equity investment. Think of it as a business. The parents boug...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: Actually if you look at a loan for $115,000 over 30 years at current interest rates you wo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: The time to have looked into this is before you bought the condo, not now. You are presuma...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: Basically, you have purchased 25% of the condo for $40,000, and your parents bought 75% of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: Are you in the United States? Is there some sort of written agreement that the money your ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: yes and no its definitely not charitable as they are making money of off you but depending...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: I would go see a Lawyer no matter what. It's a form of a scam your parents are doing. Make...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: You're paying 5.2% 'interest' on the $115K (500 * 12 / 115,000) * 100 but the amount you p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: It depends on the selling price, but if we can assume the property will be sold at a profi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are my parents ripping me off with this deal that doesn't allow me to build my equity in my home? ### Answer: You are being ripped off on several counts. 1) 40k is 26% not 25%. 2) Why should you pay t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: FSA when a retirement agreement has been put into place ### Answer: There's no reason for the employer not to deduct the whole amount before you leave. The FSA salary deduction has to be periodical, b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: FSA when a retirement agreement has been put into place ### Answer: While you have found a way to possibly gain $1275 in tax free income, you are also risking $1275 if you end up not using the money y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What should I consider when factoring fluctuating exchange rates into risk/return of overseas stock trading? ### Answer: Which of these two factors is likely to be more significant? There is long ter...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How Do Scammers / Money Launderers Profit From Loans To Victims ### Answer: What was the true reason they wanted to use my accounts for? We wouldn't know the true reason. The scammer can do multiple t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How Do Scammers / Money Launderers Profit From Loans To Victims ### Answer: If they have your account numbers (which are necessary for direct deposits) they could possibly initiate ACH withdrawals fro...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Health Insurance and Disability Question ### Answer: Sorry to hear about your spouse's health issues. May he have a speedy and, as far as possible, full recovery. The Patient Protectection and Afforda...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do any publically available documents from IR or SEC include all patents the company holds? ### Answer: SEC filings do not contain this information, generally. You can find intangible assets on balanc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do any publically available documents from IR or SEC include all patents the company holds? ### Answer: It appears as others have said that companies are not required to state this on as any sort of A...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Optimal number of credit cards for a given length of credit history ### Answer: I have found that between the Discover card and a Visa/Master Card a person has everything covered. In my case the Disco...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why can we cancel cheques, but not Western Union transfers? ### Answer: You are presuming that after the transfer, the cash is still "sitting in a Western Union register" but no, that cash may have al...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why can we cancel cheques, but not Western Union transfers? ### Answer: When you send money with Western Union, it is essentially a cash transaction. You supply Western Union with the name of the rec...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How Long Can It Take For a Check I Write to Clear on My Account? ### Answer: There's nothing you can do. If he has indeed deposited the check, it would appear on your account fairly quickly - I've nev...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How Long Can It Take For a Check I Write to Clear on My Account? ### Answer: According to this Q&A by a Houston law professor: The law, however, is not designed to interfere with an individual's right...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How detailed do itemized deductions have to be? (source needed) ### Answer: When you do your taxes, you have two choices for your deductions. You can take the standard deduction, or you can choose to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to send money from europe to usa EUR - USD? ### Answer: The website http://currencyfair.com/ provides a service which gives you both a decent exchange rate (about 1% off from mid-market rate) and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to send money from europe to usa EUR - USD? ### Answer: PayPal. Or even Western Union or MoneyGram. Despite their fees, there is a reason those companies are still in business. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good book-keeping software? ### Answer: You can try Wave Accounting. Its a free software for Small Business and web-based. http://waveaccounting.com/ ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good book-keeping software? ### Answer: The short answer is that there are no great personal finance programs out there any more. In the past, I found Microsoft Money to be slick and feature rich but ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good book-keeping software? ### Answer: I like Quicken for personal use, and they have a small business edition if you don't want to move into QuickBooks. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good book-keeping software? ### Answer: Best Linux software is PostBooks. It is full double entry, but there is definitely a learning curve. For platform-agnostic, my favorite is Xero, which is web-b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good book-keeping software? ### Answer: I like using Mint.com to track my expenses. It makes it very easy to watch my budget and monitor my spending. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good book-keeping software? ### Answer: I think Peachtree is a double entry system ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good book-keeping software? ### Answer: Xero and WaveAccounting can make things easy, but they also have their limitations. I've used both for short periods of time but found both of them to be lackin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good book-keeping software? ### Answer: You should consider Turbocash. It's a mature open-source project, installed locally (thick client). ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good book-keeping software? ### Answer: I'm not directly affiliated with the company (I work for one of the add-on partners) but I can wholeheartedly recommend Xero for both personal and business fina...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good book-keeping software? ### Answer: You can try manager.io. It has a desktop, cloud and server edition that should fit your needs. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing in hemp producers in advance of possible legalization in Canada? ### Answer: It is such a touchy subject for many people, I have to say that simple "set it and forget it" kind of investing i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing in hemp producers in advance of possible legalization in Canada? ### Answer: Hemp is already pretty easily grown by farmers here. Canada had 50,000 acres of legal hemp in 2006, but it's bee...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing in hemp producers in advance of possible legalization in Canada? ### Answer: The legalization of Cannabis will drastically alter supply and demand of cannabis and hemp. The distribution chan...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to pay taxes on income from my website or profits? ### Answer: I am not an accountant, but I do run a business in the UK and my understanding is that it's a threshold thing, which I believe ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to pay taxes on income from my website or profits? ### Answer: Not sure about the UK, but if it were in the US you need to realize the expenses can be claimed as much as the income. After ha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to pay taxes on income from my website or profits? ### Answer: Income is income... it depends how it's structured.. personal or corporate.. but still you need to pay taxes... if you get audi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to pay taxes on income from my website or profits? ### Answer: You need to set your status as self-employed the day you started online work. If that date is a little ambiguous (as is usually...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to pay taxes on income from my website or profits? ### Answer: Being a tax professional, my understanding is that the threshold limit is a single limit for all your source(s) of income. Now ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Has anyone compared an in-person Tax Advisor to software like Turbo Tax? ### Answer: If you have complicated taxes (own a business, many houses, you are self employed, you are a contractor, etc etc) a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Has anyone compared an in-person Tax Advisor to software like Turbo Tax? ### Answer: Generally speaking no person or program is really going to be able to help you lower your current tax burden, most ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Has anyone compared an in-person Tax Advisor to software like Turbo Tax? ### Answer: I did my own taxes previously using both H&R Block Tax Cut and TurboTax. When I had a simple return and was single...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Has anyone compared an in-person Tax Advisor to software like Turbo Tax? ### Answer: I have fairly simple tax returns and my experience was that TurboTax software produced roughly the same result as h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Has anyone compared an in-person Tax Advisor to software like Turbo Tax? ### Answer: I've done my taxes using turbotax for years and they were not simple, Schedule C (self-employed), rental properties...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Has anyone compared an in-person Tax Advisor to software like Turbo Tax? ### Answer: A CPA or Enrolled Agent can be helpful, especially if you have a complicated situation such as owning your own busi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Has anyone compared an in-person Tax Advisor to software like Turbo Tax? ### Answer: It depends on the person. i will take turbo tax over any mediocre or poor accountant ANY DAY. You get consistent,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Has anyone compared an in-person Tax Advisor to software like Turbo Tax? ### Answer: Unfortunately, if your taxes are too complicated for the 1040EZ form, then your tax situation is effectively unique...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Has anyone compared an in-person Tax Advisor to software like Turbo Tax? ### Answer: so far the only thing that I can think of that would make me want to go with H&R Block is the guarantee that they o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: W2 vs 1099 Employee status ### Answer: Careful. I would personally need a LOT more than $5 more per hour to go from W-2 employment to 1099 employment. It boils down to two reasons: (1) employers pay...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: W2 vs 1099 Employee status ### Answer: In general that's illegal. If you're a W2 employee, you don't miraculously become a 1099 contractor just because they pay you more. If your job doesn't change - ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: W2 vs 1099 Employee status ### Answer: In general What does this mean? Assume 10 holidays and 2 weeks of vacation. So you will report to the office for 240 days (48 weeks * 5 days a week). If you ar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: W2 vs 1099 Employee status ### Answer: Another thing to consider, however, is the deductibility of business expenses. Let's assume that the employer can legitimately hire you as a 1099 contractor. (...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it better to ask for a raise before a spin-off / merger or after? ### Answer: I would guess that before the spin-off, more money would be available In my experience the reverse is true. The finance...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it better to ask for a raise before a spin-off / merger or after? ### Answer: gef05 hit it on the head -- the books get frozen when mergers/spinoffs happen. I worked as an IT guy at a company whose...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it better to ask for a raise before a spin-off / merger or after? ### Answer: Corporate restructuring makes everything a flux, so you might as well revisit some core fundamental questions. Here's h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: It has little to do with money or finance. It's basic neuroscience. When we get money, our brains release dopamine (read Y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: When you invest in stocks, there are two possible ways to make money: Many people speculate just on the stock price, which w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: If you assume the market is always 100% rational and accurate and liquid, then it doesn't matter very much if a company pays...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: The answer, for me, has to do with compounding. That drop in price post-ex-div is not compounded. But if you reinvest your d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: Dividends telegraph that management has a longer term focus than just the end of quarter share price. There is a committmen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: Isn't it true that on the ex-dividend date, the price of the stock goes down roughly the amount of the dividend? That is, wh...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: Technically, the difference between dividends and growth ought to be that dividends can be reinvested in stocks other than t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: Dividends indicate that a business is making more profit than it can effectively invest into expansion or needs to regulate ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: There are strategies based on yields. Dogs of the Dow being a specific example while Miller Howard has a few studies around ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: Someone who buys a stock is fundamentally buying a share of all future dividends, plus the future liquidation value of the c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: Mostly we invest in companies to make money. The money can be paid to as in the form of dividends that are a share of the pr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: The upvoted answers fail to note that dividends are the only benefit that investors collectively receive from the companies ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: Dividends are one way to discriminate between companies to invest in. In the best of all worlds, your investment criteria is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people always talk about stocks that pay high dividends? ### Answer: Why do people talk about stock that pay high dividends? Traditionally people who buy dividend stocks are looking for income...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Impact of EIN on taxation ### Answer: Is it possible if (After getting EIN) I change my LLC type (disregarded entity or C type or S type or corporation or change in number of members) for tax savi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Impact of EIN on taxation ### Answer: Your question mixes up different things. Your LLC business type is determined by how you organize your business at the state level. Separately, you can also ele...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Fringe Benefits (Lodging) for single member S-Corp ### Answer: If you use "a room or other separately identifiable space" within your apartment exclusively for your business, then you might be able to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Fringe Benefits (Lodging) for single member S-Corp ### Answer: None whatsoever, no. Moreover, trying something like that would very likely trigger a full audit. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I write off time I spent working on my business? ### Answer: To expand a little on what littleadv said, you can only deduct what something cost you. Even if you had done volunteer work for a chari...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I write off time I spent working on my business? ### Answer: No, you cannot write off time, period. You should price the time spent into your product. I, occasionally, work on side projects of my ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to “pay” one self in a single member LLC w/ separate checking account? ### Answer: Basically, yes. Don't use your business account for personal spending because it may invalidate your limited liab...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Earnings Calendar Fiscal Quarter Ending ### Answer: Why do stock markets allow these differences in reporting? The IRS allows businesses to use fiscal calendars that differ from the calendar year. The...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: US Tax Form 1040EZ: Do I enter ALL income or ONLY income specified in W-2 forms? ### Answer: Yes, you need to include income from your freelance work on your tax return. In the eyes of the IRS, this ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Australian stocks - any dividend tax or capital gains tax? ### Answer: For non Australian residents: Dividends withholding tax rate is 30%. Depending upon your country of residence where there is a t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there contracts for fixed pay vs. fixed pay rates? ### Answer: Yes. I have personally signed such contracts (fixed budget software development) and lost money every single time. And yes, it is qui...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there contracts for fixed pay vs. fixed pay rates? ### Answer: In general the other party will expect you to keep your promises. If you promise to do something for a fixed amount of money, you tak...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there contracts for fixed pay vs. fixed pay rates? ### Answer: Software Contractors are not employees of the company that is procuring the software. Software Contractors necessarily work for anoth...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can we cash a check under business name? ### Answer: All banks in the US that I have ever worked with will allow you to deposit checks if: In your case, you have 3 options: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should I report earning from Apple App Store (from iTunes Connect) in Washington state? ### Answer: If you're waiting for Apple to send you a 1099 for the 2008 tax season, well, you shouldn't be. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What constitutes illegal insider trading? ### Answer: It becomes illegal when it is both material and nonpublic information. Material being defined as: Information that you would want and significantl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What constitutes illegal insider trading? ### Answer: You have to read some appeals court cases see scholar.google.com , as well as SEC enforcement actions on sec.gov to get an understanding of how th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If the housing market is recovering, why would a REIT index ETF (e.g. VNQ) not be performing well? ### Answer: VNQ only holds ~16% residential REITs. The rest are industrial, office, retail (e.g. shop...