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: Should a high-school student invest their (relative meager) savings? ### Answer: Between 1 and 2 G is actually pretty decent for a High School Student. Your best bet in my opinion is to wait the next...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should a high-school student invest their (relative meager) savings? ### Answer: If you're not rich, investing money will produce very small return, and is a waste of your resources. If you want to sa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should a high-school student invest their (relative meager) savings? ### Answer: Nobody has mentioned your "risk tolerance" and "investment horizon" for this money. Any answer should take into accoun...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should a high-school student invest their (relative meager) savings? ### Answer: If you have no immediate need for the money you can apply the Rule of 72 to that money. Ask your parent's financial ad...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pending euro payment to a usd account ### Answer: Currency exchange is rather the norm than the exception in international wire transfers, so the fact that the amount needs to be exchanged should have...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would my job recruiter want me to form an LLC? ### Answer: Your recruiter is likely trying to avoid having to pay the employer's side of employment taxes, and may even be trying to avoid having to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would my job recruiter want me to form an LLC? ### Answer: This sounds very like disguised employment. You act like an employee of the company, but your official relationship with them is as a con...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would my job recruiter want me to form an LLC? ### Answer: There are a few sites out there that can give you some reasoning behind the request. LegalZoom, for instance. To quote the LZ doc in cas...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would my job recruiter want me to form an LLC? ### Answer: I don't know about the US, but in the UK this is common practice, even required in some situations, and not sketchy at all. It's perfectl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would my job recruiter want me to form an LLC? ### Answer: The "independent contractor" vs. "employee" distinction is a red herring to this discussion and not at all important just because someone...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would my job recruiter want me to form an LLC? ### Answer: This is pretty normal. I am in the UK and currently doing the exact same thing. As some answers state there is additional tax law call...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would my job recruiter want me to form an LLC? ### Answer: LLC is, as far as I know, just a US thing, so I'm assuming that you are in the USA. Update for clarification: other countries do have sim...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I Purchase Health Insurance Through My S-Corp ### Answer: The answer seems to depend on where you live. Perhaps you already found this, but the summary from the IRS is: The insurance laws in s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I Purchase Health Insurance Through My S-Corp ### Answer: I'm not sure about reimbursement, you'll have to talk to a tax adviser (CPA/EA licensed in your State). From what I know, if you pay yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax: 1099 paper form ### Answer: You can print them on any IRS-approved paper, you don't have to use pre-printed forms. The IRS publishes specifications for paper that is approved for use for these ki...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: As director, can I invoice my self-owned company? ### Answer: Sure you can. Obviously it means your company will make less profit, saving you 20% corporation tax, while your personal income will be hi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: As director, can I invoice my self-owned company? ### Answer: No, as a director normally you can't. As a director of a Limited company, all those payments should be accounted for as directors' remuner...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Meaning of capital market ### Answer: Just to clarify, In wikipedia when it says It is defined as a market in which money is provided for periods longer than a year They are referring to the company ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Meaning of capital market ### Answer: 1) Are the definitions for capital market from the two sources the same? Yes. They are from two different perspectives. Investopedia is looking at it primarily ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do financial advisors get better deals on mortgages? ### Answer: Yes, maybe for themselves, but for you that depends on quite a number of things. But not all advisors are scum, but accept the fact tha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Effective returns on investment in housing vs other financial instruments ### Answer: Then at the end, if you decide to cash in your house, you can roll the proceeds into a fancier house to avoid pa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Effective returns on investment in housing vs other financial instruments ### Answer: Thinking of personal residence as investment is how we got the bubble and crash in housing prices, and the Great R...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Effective returns on investment in housing vs other financial instruments ### Answer: The assumption that house value appreciates 5% per year is unrealistic. Over the very long term, real house prices...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Freelance site with lowest commission fees? ### Answer: Your own site/business. I’m in freelancing and internet business for 15 years, 20 years IT experience. Currently i use freelance websites for c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Apartment lease renewal - is this rate increase normal? ### Answer: Should you negotiate? Yes, what harm can it possibly do? The landlord is unlikely to come back and say "Because you tried to negotia...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Apartment lease renewal - is this rate increase normal? ### Answer: There could be a number of reasons for a rent increase. The only information I can offer is how I calculate what rent I will charge....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Apartment lease renewal - is this rate increase normal? ### Answer: There has been almost no inflation during 2014-2015. do you mean rental price inflation or overall inflation? Housing price and by e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Apartment lease renewal - is this rate increase normal? ### Answer: Yes, automatic rate increases are typical in my experience (and I think it's very greedy, when it's based on nothing except that you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Apartment lease renewal - is this rate increase normal? ### Answer: What happened in the past, the rent you paid last year, is in the past. You shouldn't be concerned with the percentage increase, bu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Apartment lease renewal - is this rate increase normal? ### Answer: If it is true that for the same price, you could get a better place (or that for a lower price you could get an equivalent place), y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Apartment lease renewal - is this rate increase normal? ### Answer: I think people are missing the most obvious thing. The yearly rate increases are just part of the landlord schtick and it is good b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Apartment lease renewal - is this rate increase normal? ### Answer: Absolutely yes. Just because a lease provides an option for renewal does not mean that a tenant cannot try to re-negotiate for bette...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: California resident, Delaware C-Corp - Taxes for 1-person software freelancer? ### Answer: Supposedly this also means that I am free from having to pay California corporate taxes? Not in the slighte...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Frustrated Landlord ### Answer: You are not a landlord. You have choices: The current situation is charity. And that's ok, so long as you acknowledge it. In the big picture, anything less than market...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Frustrated Landlord ### Answer: You're worried about your tenant. That just means you're a nice guy, and it's ok to be nice. At the same time, you can't be expected to lose money on the property or ch...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Frustrated Landlord ### Answer: If you're losing money or breaking even, you own a bad investment. The problem you have is that you are emotionally invested in your tenant. That isn't a bad thing in ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Frustrated Landlord ### Answer: Renting your property out at less than market rates is a form of charity. Your heart says that this is the right thing to do, your bank account says no. And so does you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Frustrated Landlord ### Answer: If you're sinking 1k/year into it, and the value is rising by $100k in 15 years, or $6k/year, you have a fine investment. Ignore the wife, she just wants something even...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where do web sites get foreign exchange currency rate / quote information? ### Answer: The prices quoted are for currency pairs traded on the foreign exchange market. For currencies traded on these ex...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will I be paid dividends if I own shares? ### Answer: What is a dividend? Essentially, for every share of a dividend stock that you own, you are paid a portion of the company’s earnings. You get paid ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will I be paid dividends if I own shares? ### Answer: Yes, as long as you own the shares before the ex-dividend date you will get the dividends. Depending on your instructions to your broker, you can ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will I be paid dividends if I own shares? ### Answer: gnasher729, was able to see my problem here. It was a silly oversight. It's not 50p a share, its 0.5p a share. @Bezzzo: The dividend is not 50p pe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would I choose a 40-Year depreciation instead of the standard 27.5-Year? ### Answer: There are specific cases where you are required to use ADS: Required use of ADS. You must use ADS for the fol...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investor returns from crowdfunding ### Answer: Crowdfunding can be a legitimate means of funding very small startups. It is an innovative, but obviously risky, method of raising small amounts of money...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I be claiming more than 1 exemption? ### Answer: It's not possible to determine whether you can "expect a refund" or whether you are claiming the right number of exemptions from the information...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I be claiming more than 1 exemption? ### Answer: J - Approaching the answer from the W4 perspective (for calculation purposes) may be more trouble that it's worth. I'd strongly suggest you use ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How long to wait after getting a mortgage to increase my credit limit? ### Answer: I'm not sure what raising your credit limit would do to your score in the short term. I don't think it's a clear win...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How long to wait after getting a mortgage to increase my credit limit? ### Answer: 8 hard inquiries spread over two years is not a negative factor, with a score of 750. Real question #1: How much of y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How long to wait after getting a mortgage to increase my credit limit? ### Answer: Specific to the inquiries, from my Impact of Credit Inquiries article - 8 is at the high end pulling your score do...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How long to wait after getting a mortgage to increase my credit limit? ### Answer: My recommendation is to not ask for a credit increase, but just increase the utilization of one card if you have mult...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I transfer my West Australian rock lobster quota units into my SMSF? ### Answer: SMSFs are generally prohibited from acquiring assets from related parties (whether it is purchased by the SMSF or c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 250k USD in savings. What's next? ### Answer: Considering the historical political instability of your nation, real property may have higher risk than normal. In times of political strife, real estat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 250k USD in savings. What's next? ### Answer: Find a good financial advisor that is willing to teach you and not just interested in making a commission on your net worth. Talk to them and talk some mo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 250k USD in savings. What's next? ### Answer: You're off to a great start. Here are the steps I would take: 1.) Pay off any high-interest debt. 2.) Keep six to twelve months in a highly liquid emergen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 250k USD in savings. What's next? ### Answer: A good answer to the question really depends on where you want to live, ultimately. Where you want to live pretty much dictates your investment priorities...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Interest on self assessment tax ### Answer: Assuming you are Resident Indian. As per Indian Income Tax As per section 208 every person whose estimated tax liability for the year exceeds Rs. 10,000,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I pay a loan under someone else's name? (assume the dispenser of the loan is malicious) ### Answer: I don't think there's anything to worry about. TFS doesn't really care who's paying, as long as...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can one protect oneself from a dividend stock with decreasing price? ### Answer: An alternative options strategy to minimize loss of investment capital is to buy a put, near the money around your ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can one protect oneself from a dividend stock with decreasing price? ### Answer: Your question reminds me of a Will Rogers quote: buy some good stock, and hold it till it goes up, then sell it. If...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can one protect oneself from a dividend stock with decreasing price? ### Answer: If by saying you wish to invest "for the long term 5-10 years" I take it you mean to hold a stock for between 5-10 ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can one protect oneself from a dividend stock with decreasing price? ### Answer: A specific strategy to make money on a potentially moderately decreasing stock price on a dividend paying stock is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best way to make money from a market correction? ### Answer: What's the best strategy? Buy low and sell high. Now. A lot of people try to do this. A few are successful, but for the most par...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best way to make money from a market correction? ### Answer: The best way to make money during a market correction is to be a financial services company handling transactions for people who...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best way to make money from a market correction? ### Answer: As ChrisInEdmonton describes, shorting has an asymmetric risk/reward ratio. And put options have a time cost, if you think the m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best way to make money from a market correction? ### Answer: There are several ways to protect against (or even profit from) a market correction. Hedge funds do this by hedging, that is, bu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best way to make money from a market correction? ### Answer: If you are sure you are right, you should sell stock short. Then, after the market drop occurs, close out your position and buy ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best way to make money from a market correction? ### Answer: There are a few ways to make money from a market correction: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best way to make money from a market correction? ### Answer: Do you want to do it pre or post correction? If you're bearish on the market the obvious thing to do is short an index. I would ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best way to make money from a market correction? ### Answer: For a non-technical investor (meaning someone who doesn't try to do all the various technical analysis things that theoretically...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best way to make money from a market correction? ### Answer: Depends on how long you're willing to invest for. Broadly speaking, the best (by which I mean, more reliably repeatable) way to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best way to make money from a market correction? ### Answer: A lot of people here talk about shorting stocks, buying options, and messing around with leveraged ETFs. While these are excelle...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I need to prove 'Garage Sale' items incurred a loss ### Answer: This is what this sounds like to me: https://www.thebalance.com/having-a-garage-sale-or-yard-sale-what-to-do-first-399030 also: http:...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I need to prove 'Garage Sale' items incurred a loss ### Answer: -Alain Wertheimer I'm a hobbyist... Most (probably all) of those older items were sold both prior to my establishing the LLC This is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should a company go public? ### Answer: You go public to raise money, to invest in the business and/or pay off the existing shareholders. It's really as simple as that. The advantage of being publ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should a company go public? ### Answer: Most businesses want to grow, and there are a variety of ways to raise the money needed to hire new employees and otherwise invest in the business to increa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should a company go public? ### Answer: The reason to go public is to get money. Not to be snarky, but your question is like asking, "Why should a company try to sell its products, when if they ju...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should a company go public? ### Answer: The purpose is to go public but also to generate more wealth. The real money comes when market values you at a price more than your cash flow. If a company ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find definitive terms for a preferred share? ### Answer: This site has the best information I could find, other than a Bloomberg terminal: Quantumonline.com QUANTUMONLINE.COM SECURITY D...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should we prepay our private student loans, given our particular profile? ### Answer: See my recent answer to a similar question on prepaying a mortgage versus investing in IRA. The issue here is simi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should we prepay our private student loans, given our particular profile? ### Answer: You're in good shape as long as your income stays. Your only variable-rate debt now is your private student loan. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should we prepay our private student loans, given our particular profile? ### Answer: You're doing great. I'd suggest trying get putting 5-10% towards your retirement and the balance to the student l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should we prepay our private student loans, given our particular profile? ### Answer: Based on your numbers, it sounds like you've got 12 years left in the private student loan, which just seems to be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should we prepay our private student loans, given our particular profile? ### Answer: Just for another opinion, radio host Clark Howard would suggest killing the private student loans as quickly as po...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should we prepay our private student loans, given our particular profile? ### Answer: Don't frett to much about your retirement savings just put something towards it each year. You could be dead in te...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: At what age should I start or stop saving money? ### Answer: As AskAboutGadgets notes, there's no lower age limit. You current age (24) is a pretty good one; you'll have four decades or so for your m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: At what age should I start or stop saving money? ### Answer: While there is no age limit, bear in mind that saving money makes sense only if it doesn't delay your paying off expensive debt. If you hav...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: At what age should I start or stop saving money? ### Answer: Are you working? Does your employer offer a 401(k) and if so, is there any match? Saving should be taught to kids at the same time they ar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: At what age should I start or stop saving money? ### Answer: There is no age-limit, in fact the sooner you start the better - the sooner the money starts to compound. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: At what age should I start or stop saving money? ### Answer: As all said, the age limitation thing is nothing, and saving money not necessarily means to live poor nor Skimpy, spend your needs and try ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: At what age should I start or stop saving money? ### Answer: It's nearly always a good idea to save for your future, if you don't already have sufficient funds to see out the rest of your days. The ha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: At what age should I start or stop saving money? ### Answer: You've never saved money? Have you ever bought anything? There probably was a small window of time that you had to pool some cash to buy ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does investing money in other currencies help pad losses in case of a stock market crash? ### Answer: If the equity market in the USA crashed, its very likely equity markets everywhere else would cras...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Accepting personal “donations” (not as a non-profit) ### Answer: I see two ways you can handle this. Use the gifts for the purpose of creating more free software. This is fundraising, and your cause ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Accepting personal “donations” (not as a non-profit) ### Answer: I would be inclined to back the 'tip jar' weblink idea, this is very prolific within the Twitch community, as a method of tipping and t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Accepting personal “donations” (not as a non-profit) ### Answer: Lots of webcomic sites now have "tip jar" links, or let supporters send money via services like Patrion. I presume other kinds of sites...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: how does one start an investing club (as a company)? ### Answer: As for the letting the "wise" people only make the decisions, I guess that would be a bit odd in the long run. Especially when you get ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: how does one start an investing club (as a company)? ### Answer: +1 for noting that you are in it for the long haul. I also think this is a great project and activity to do with friends. Setting up a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: how does one start an investing club (as a company)? ### Answer: Taxes are the least of your concerns. Your friends need licenses. Although this COULD be avoided entirely with certain craftily worded ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is a debt collector allowed to make a hard inquiry on your credit report? ### Answer: According to the Fair Credit Reporting Act: any consumer reporting agency may furnish a consumer report [...] to a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In the UK, can authors split a single advance on a book over multiple tax returns? ### Answer: HMRC calls it: Averaging for creators of literary or artistic works, and it is the averaging of your prof...