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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: To round out something that @Chris W. Rea pointed out, the business that a REIT is in wil...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can my broker lock my cash account if I try to use the money from a stock sale during the three-day settlement period? ### Answer: Brokerage firms must settle funds promptly, but there's no explicit d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can my broker lock my cash account if I try to use the money from a stock sale during the three-day settlement period? ### Answer: Here's how this works in the United States. There's no law regarding ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to borrow money to accrue interest, and then use that interest to pay back the borrower + fees? ### Answer: No. The WSJ prime rate is 4.25%, even the Fed prime rate is 1.75%, way above...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to borrow money to accrue interest, and then use that interest to pay back the borrower + fees? ### Answer: Your plan as proposed will not work, because it goes against how banks make m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to borrow money to accrue interest, and then use that interest to pay back the borrower + fees? ### Answer: There are many flaws with your idea. Say I want to borrow $225,000.00 to accr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to borrow money to accrue interest, and then use that interest to pay back the borrower + fees? ### Answer: With (1), it's rather confusing as to where "interest" refers to what you're ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much tax do I have to pay in Redmond, Washington form my Microsoft Research Internship income? ### Answer: An unmarried person with a total U.S.-sourced earned income under $ 37,000 during the yea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does this diagram from Robert Kiyosaki about corporations mean? ### Answer: It looks like RK is encouraging tax fraud. Suggesting that one have their business cover personal expenses sounds like ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does this diagram from Robert Kiyosaki about corporations mean? ### Answer: These types of diagrams appear all throughout Kiyosaki's Rich Dad, Poor Dad book. The arrows in the diagrams represent...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any Social Responsibility Index funds or ETFs? ### Answer: Vanguard offers an index fund. Their FTSE Social Index Fund. For more information on it, go here. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any Social Responsibility Index funds or ETFs? ### Answer: Try this site for the funds http://www.socialinvest.org/resources/mfpc/ I'm not aware of any etfs. I'm sure some exist though. ###...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any Social Responsibility Index funds or ETFs? ### Answer: TIAA-Cref has their Social Choice Equity Fund, which is a Large Blend primarily equity fund that invests given the following consi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any Social Responsibility Index funds or ETFs? ### Answer: There is the iShares Jantzi Social Index Fund. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any Social Responsibility Index funds or ETFs? ### Answer: Look at the Calvert Funds. They have a variety of "socially responsible" funds with published selection standards. Beware of mixin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any Social Responsibility Index funds or ETFs? ### Answer: Index funds: Some of the funds listed by US SIF are index funds. ETFs: ETFdb has a list, though it's pretty short at the moment. #...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any Social Responsibility Index funds or ETFs? ### Answer: At the other end of the spectrum is the VICEX fund. it invests in industries such as tobacco, gaming, defense/weapons, liquor and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Peer to peer lending in Canada? ### Answer: Yes and no, P2P Capital Markets is similar concept but is more geared towards business loans. Community Lend used to offer this service but has stopped. ###...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Washington State tax filing extension? ### Answer: Washington State doesn't have a state income tax for individuals, so unless you've got a business there's nothing to file. Find out more on their web...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Freehold and Leasehold for Pub/Bar? ### Answer: In the strictest sense of the words, Freehold and leasehold mean what you think they do. Freehold is that you own it outright and leasehold is a rental ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Freehold and Leasehold for Pub/Bar? ### Answer: You should be aware that many pubs in the London (indeed, the UK as a whole) are sold as a leasehold with a beer tie. This typically means you pay less ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Freehold and Leasehold for Pub/Bar? ### Answer: Freehold is simple - it's when you own the building and the land it's on. There's no rent to pay (but you will still have to pay taxes!). Leasehold is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a rule that a merchant must identify themself when making a charge ### Answer: Here's an excerpt from VISA's Card Acceptance Guidelines for Visa Merchants (PDF) The merchant name is the sing...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a rule that a merchant must identify themself when making a charge ### Answer: In some case the customer wants the name to be cryptic or misleading. They don't want to advertise the true natu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a rule that a merchant must identify themself when making a charge ### Answer: Obviously, the credit card's administators know who this charge was submitted by. Contact them, tell them that y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Looking to buy a property that's 12-14x my income. How can it be done? ### Answer: It is your choice to have "insignificant income", and that has consequences. One is that you cannot borrow money to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Looking to buy a property that's 12-14x my income. How can it be done? ### Answer: What options do I have? Realistically? Get a regular full time job. Work at it for a year or so and then see about ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Looking to buy a property that's 12-14x my income. How can it be done? ### Answer: You need a cosigner. Someone prepared to repay the mortgager if you should fail to. Needless to say this is going to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Working on a tax free island to make money? ### Answer: If you're an American, and willing to give up citizenship, good luck to you. Otherwise, Uncle Sam still wants his due -- Americans are responsi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Working on a tax free island to make money? ### Answer: According to Wikipedia, import duties on goods range from 5-22% on everything but cars (30-100%) and a handful of other goods (no import duties)...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Working on a tax free island to make money? ### Answer: From http://www.taxrates.cc/html/cayman-islands-tax-rates.html: There is no income tax, corporate tax, sales tax, capital gains tax, wealth ta...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Working on a tax free island to make money? ### Answer: The Cayman Islands has an income tax enacted, it is just currently 0%. It raises revenues from its tourism, import duties, and business registr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What exactly is the interest rate that the Fed is going to adjust? ### Answer: Federal Funds Rate The interest rate at which a depository institution lends funds maintained at the Federal Reserve to a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What exactly is the interest rate that the Fed is going to adjust? ### Answer: While it is true that if the Federal reserve bank makes a change in their rate there is not an immediate change in the ot...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What exactly is the interest rate that the Fed is going to adjust? ### Answer: The Fed rate is so important because it sets a cost on lending institutions (banks, credit unions). It is the rate of int...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: About to start being an Independent Contractor - Any advice on estimating taxes? ### Answer: I agree with your strategy of using a conservative estimate to overpay taxes and get a refund next year. As...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: About to start being an Independent Contractor - Any advice on estimating taxes? ### Answer: It's likely you don't have to make estimated tax payments if this is your first year of contracting (extra ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: About to start being an Independent Contractor - Any advice on estimating taxes? ### Answer: One possibility that I use: I set up an LLC and get paid through that entity. Then I set up a payroll servi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does earning as a non-resident remote worker on an American account make people liable for U.S taxes? ### Answer: The United States taxes nonresident aliens on two types of income: First, a nonresiden...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the stock warrant's expiration date here? ### Answer: These warrants do not have a fixed expiration date, rather their expiration date is dependant upon the company completing an acquisition. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do owners in a partnership earn income? ### Answer: The partnership agrees to pay each of you salaries and/or bonuses, typically based on the net profit brought in. You do have a legal document se...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do owners in a partnership earn income? ### Answer: If you business is incorporated, it's up to the two of you how to do it. Typically, you will have the company write cheques (or make transfers, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pay team mates out of revenues on my name ### Answer: Can I deduct the money that I giving to my team mates from the taxes that I pay? If yes, how should I record the transaction? Why? Why are you g...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pay team mates out of revenues on my name ### Answer: Note: This is not professional tax advice. If you think you need professional tax advice, find a licensed professional in your local area. What ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I determine how much rent I could charge for a property or location? ### Answer: This may not be entirely scientific, but as a landlord my usual approach is just to do a search for rental prope...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I determine how much rent I could charge for a property or location? ### Answer: Check out the property websites to get an idea of how much, the property in question, could yield as rent. Most ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I determine how much rent I could charge for a property or location? ### Answer: Zoopla may not always accurately reflect the market price. Your best bet is to get a quote for local registered)...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I determine how much rent I could charge for a property or location? ### Answer: A good way to find the rates of rental prices is to look what other landlords are charging for similar propertie...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm 13. Can I buy supplies at a pet store without a parent/adult present? ### Answer: As long as your money is green and you aren't buying something prohibited to youngsters (booze, cigarettes, etc.) ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm 13. Can I buy supplies at a pet store without a parent/adult present? ### Answer: My 12 year old routinely makes purchases with cash or a gift card (either a store's card or a Visa/Amex card that ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm 13. Can I buy supplies at a pet store without a parent/adult present? ### Answer: I had a cat growing up--most of the time I was the one who got her supplies. It was never an issue. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm 13. Can I buy supplies at a pet store without a parent/adult present? ### Answer: Perhaps a technicality, but minors do not have the legal capacity to bind a contract. Making a purchase from a sto...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find out the credit rating of a company ### Answer: You can view Standard & Poor's credit ratings here: http://www.standardandpoors.com/ratings/en/us/ You have to register with S&P to acces...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find out the credit rating of a company ### Answer: Dunn & Bradstreet offers detailed credit reports on businesses. They are not cheap, but they appear to have information on RIOCAN. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Income Tax on per Diem (Non Accountable plan) ### Answer: A per diem payment is a cost of doing business for the company, not for you. They can claim it (probably); you can't (definitely). ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can people have such high credit card debts? ### Answer: I'm not sure if the rules in Canada and the US are the same. I'm as amazed as you are by the amounts of debts people have, but I can see ho...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can people have such high credit card debts? ### Answer: I would say you are typical. The way people are able to build their available credit, then subsequently build their average balances is bu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can people have such high credit card debts? ### Answer: I had $70K in credit card at one point. Limited income, starting a business - it's the only credit available. (yes, all paid off now). ###...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can people have such high credit card debts? ### Answer: You must understand that not everyone has or can get credit cards. Consider that those who are in the the lowest 20-30% of income tend to h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can people have such high credit card debts? ### Answer: In the United States, when applying for credit cards, proof of income is on an honor system. You can make $15k a year and write on your app...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is This A Scam? Woman added me on LinkedIn first, then e-mailed offering me millions of dollars [duplicate] ### Answer: Yes. If you reply back, they'll confirm that Uncle Alex did indeed leave you $7...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is This A Scam? Woman added me on LinkedIn first, then e-mailed offering me millions of dollars [duplicate] ### Answer: It is absolutely a scam. Anyone who tells you they can give you a large amount ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is This A Scam? Woman added me on LinkedIn first, then e-mailed offering me millions of dollars [duplicate] ### Answer: This is totally a scam. I didn't read the whole thing. Didn't need to after I re...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is This A Scam? Woman added me on LinkedIn first, then e-mailed offering me millions of dollars [duplicate] ### Answer: In general, if you think something even MIGHT be a scam, the answer is"yes". ##...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does inflation actually mean? [duplicate] ### Answer: Inflation is good for the economy primarily because it is an incentive to invest. If inflation is occurring, then keeping your holdings in c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does inflation actually mean? [duplicate] ### Answer: Inflation also provides incentives for consumers to purchase now rather than later (which helps drive sales) and it provides incentive for mo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I claim GST/HST Input Tax Credits (ITCs) on Uber, taxi, or limousine fares? ### Answer: The Canada Revenue Agency describes in detail here what information businesses must generally include on the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I claim GST/HST Input Tax Credits (ITCs) on Uber, taxi, or limousine fares? ### Answer: Apparently Canadians have not been paying any tax on Uber rides, and will only begin to do so on July 1, 201...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ways to avoid being labeled a pattern day trader ### Answer: FINRA Description of Day Trading rules The rules adopt a new term "pattern day trader," which includes any margin customer that day trade...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ways to avoid being labeled a pattern day trader ### Answer: Sorry but you already provided the answer to your own question. The simple answer is to 'not day trade' but hold things for a longer perio...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS ### Answer: Until the CARD act, credit card rules required that merchants had no minimum purchase requirem...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS ### Answer: Generally, I consider it bad etiquette to inconvenience others. I would recommend cash for s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS ### Answer: Etiquette or not, it is hurting the seller. The transaction fees have usually minimums, so if ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS ### Answer: A lot of stores, especially smaller ones, won't accept card payments under $10.00. They pay a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS ### Answer: I don't carry cash at all unless I know I'm going somewhere which requires it - this includes ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS ### Answer: It's fine. Some people (including myself) charge any amount, no matter how small. I think cha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS ### Answer: Intellectually and logically, it shouldn't bother me for a second to charge something for a bu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS ### Answer: Personally, I think it's a bad practice, because ultimately using cards for such minuscule tra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS ### Answer: Etiquette doesn't really come into the picture here. The business offers a service and I choos...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS ### Answer: I would like to offer a different perspective here. The standard fee for a credit card transa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How high should I set my KickStarter funding goal in order to have $35,000 left over? ### Answer: You are wildly over-estimating your taxes. First, remember that your business expenses reduce your gr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How high should I set my KickStarter funding goal in order to have $35,000 left over? ### Answer: I think you might be missing something important here. If you are running a business, then any expense...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How high should I set my KickStarter funding goal in order to have $35,000 left over? ### Answer: There's two big problems here and they are both related to the same thing: The last line says it all: ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investment strategies for young adults with entrepreneurial leanings? ### Answer: If you are an entrepreneur, and you are looking forward to strike on your own ( the very definition of entrepreneur) t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investment strategies for young adults with entrepreneurial leanings? ### Answer: Diversity of risk is always a good idea. The cheapest equity-based investment (in terms of management costs) is some ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investment strategies for young adults with entrepreneurial leanings? ### Answer: I talk about this subject on my blog on investing, I share everything that has worked for me personally and that makes...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Better ways to invest money held by my small, privately-held Canadian corporation? ### Answer: Since you are talking about a small firm, for the long term, it would be advisable to invest your money i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Better ways to invest money held by my small, privately-held Canadian corporation? ### Answer: The issue only arises when the investments grow in size. A small amount won't trigger the higher tax rat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Settling before T+3? ### Answer: It is possible but unlikely. Securities firms would prefer never to settle externally; rather, they prefer to wait until the liabilities can be netted. They are force...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Settling before T+3? ### Answer: The T+3 settlement date only affects cash accounts. In a cash account, you need to wait until the T+3 settlement date for your funds to be available to make your next...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What forms of payment am I compelled to accept? ### Answer: The confusion comes from ambiguity in popular belief -- that businesses are required to accept x_y_x as payment. In reality, a business can ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What forms of payment am I compelled to accept? ### Answer: I think cash, travelers checks (little iffy about this one: they're legal tender cash equivalents), and money orders are the only ones that ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What forms of payment am I compelled to accept? ### Answer: I just listened to a podcast on this topic this week, and Satanicpuppy is pretty much correct. If you are interested, here is a link to the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What forms of payment am I compelled to accept? ### Answer: When you're selling something through a provider, like Craig's List or newspapers, the only thing that may limit your choices is the provide...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a tax deduction for renting office space in service of employer? ### Answer: I disagree with BrenBran, I don't think this is qualified as unreimbursed employee expense. For it to qualify, it ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a tax deduction for renting office space in service of employer? ### Answer: According to this post on TurboTax forums, you could deduct it as an "Unreimbursed Employee" expense. This would s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a tax deduction for renting office space in service of employer? ### Answer: If you are a telecommuter and in good terms with your employer, then all you need is contact your employer and exp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Taxes paid in USA for sending money to parents in India ### Answer: I'm not certain about international transfers, but that amount is large enough that it could be subject to gift tax. https://www.irs...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happens if a purchase is $0.02 in Canada? ### Answer: As someone who works for a company that deploys POS systems in Canada, I can tell you that your best bet would be to have a configuration opt...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happens if a purchase is $0.02 in Canada? ### Answer: The rounding should always follow the same rule. If the value ends in .01 or .02 then you round to .00. Doesn't matter if it's 10.01 rounding...