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: How do I get a Tax Exemption Certificate for export from the US if I am in another country? ### Answer: How do you know you are playing their cost plus tax? Retailers in the US currently only collec...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I get a Tax Exemption Certificate for export from the US if I am in another country? ### Answer: Depends on the state, in Texas you should charge sales tax because the shipment is going to a fr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free/open source Unix software that pulls info from all my banks/brokers/credit cards? ### Answer: Gnucash uses aqbanking, so I'd suggest looking at aqbanking to see if it will do what you want. It s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free/open source Unix software that pulls info from all my banks/brokers/credit cards? ### Answer: As far as I can tell there are no "out-of-the-box" solutions for this. Nor will Moneydance or GnuCa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free/open source Unix software that pulls info from all my banks/brokers/credit cards? ### Answer: Moneydance is a commercial application that is cross-platform. Written in Java, they run and are sup...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free/open source Unix software that pulls info from all my banks/brokers/credit cards? ### Answer: Buxfer is a personal-finance web app which you might like. It's not open-source. But at least none...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Creating S-Corp: Should I Name My Wife as a Director/Shareholder? ### Answer: If you're creating an S-Corp for consulting services that you personally are going to provide, what would it give her to h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Creating S-Corp: Should I Name My Wife as a Director/Shareholder? ### Answer: There are many aspects to consider in deciding what sort of company you want to form. Instead of an S-corporation, you sho...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do credit cards require a minimum annual household income? ### Answer: Here's one reason that's being overlooked in answers so far. (@ChrisInEdmonton, this is for your comment on @Chad's answer.) ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do credit cards require a minimum annual household income? ### Answer: While you're asking about a particular bank, I'll give my opinion of this in general. I think a $12,000 household income is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do credit cards require a minimum annual household income? ### Answer: I don't know, but I can guess. You'll notice the Elite card has higher rewards. A card might want to convince merchants that ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do credit cards require a minimum annual household income? ### Answer: It is much simpler than any of that. People who make money have a greater capacity to pay their bills. Credit card companie...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is the total 401(k) contribution limit (employee + employer) so high? ### Answer: Because 401k's are also used by self employed. A person who has a schedule C profitable income can open a 401k and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is the total 401(k) contribution limit (employee + employer) so high? ### Answer: Some 401k plans allow you to make "supplemental post-tax contributions". basically, once you hit the pre-tax contr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does revenue shared with someone else go into my tax return in Canada? ### Answer: Generally, report your $150,000. If/when the the tax collectors notice the anomaly, they'll attempt to contact yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I take contributions out of my Roth IRA to live off of? ### Answer: Take another job. From a personal finance perspective this is the wrong reason to dip into a retirement account. You will l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I take contributions out of my Roth IRA to live off of? ### Answer: That's up to you, but I wouldn't play around with my retirement money if I was in your situation. Your earning potential duri...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which banks have cash-deposit machines in Germany? ### Answer: HypoVereinsbank (member of UniCredit group), a few savings banks ("Sparkasse") and VR Banks offer cash (bill) deposit machines. However,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which banks have cash-deposit machines in Germany? ### Answer: This may not answer your question but it may be an alternative. My credit union credits my account for deposits immediately (ones I make ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which banks have cash-deposit machines in Germany? ### Answer: I know that many HSBC ATMs at branches in the US and Canada offer this service (they actually scan and shred checks as you deposit them)....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which banks have cash-deposit machines in Germany? ### Answer: In my experience Sparkasse or VR Bank have them quite often. They stick out in my mind because when you make a withdrawal you have to rea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Withdraw USD from PayPal without conversion to my home currency of EUR? ### Answer: I just tried doing that on my PP which is in the Netherlands, I have added a USD bank account (from my dutch bank) a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Withdraw USD from PayPal without conversion to my home currency of EUR? ### Answer: Look for EU banks that have US branches. Open an account there and look for the SWIFT code of your bank in US. Withd...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I determine which stores are regarded as supermarkets for a rewards credit card? ### Answer: Credit card companies organize types of businesses into different categories. (They charge differen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I determine which stores are regarded as supermarkets for a rewards credit card? ### Answer: Each company that has an account with the credit card network has to classify themselves as a parti...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I determine which stores are regarded as supermarkets for a rewards credit card? ### Answer: Looks like a user-contributed list is the only good solution to this question, so I'll start one by...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I determine which stores are regarded as supermarkets for a rewards credit card? ### Answer: Contact AmEx. They are the only ones who might have a current list. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I walk away from my mortgage? ### Answer: The value of debt is that it allows you to profit from the return of equity beyond the amount of actual net equity you own. Of course, this only ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I walk away from my mortgage? ### Answer: I'm in a similar situation, but I live in a state that doesn't allow mortgagees to "walk away" without recourse. I would consider a short sale or ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I walk away from my mortgage? ### Answer: How much is rent in your area? You should compare a rental payment versus your mortgage payment now, bearing in mind the opportunity cost of the d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I walk away from my mortgage? ### Answer: Interestingly enough, "strategic default" seems to be more common than one might think in California and there is actually a lot of information av...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I walk away from my mortgage? ### Answer: It's a decision that only you can make. What are the chances that you'll want to take another loan (any loan - car, credit card, installment plan ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I walk away from my mortgage? ### Answer: Dan - there are other choices. What rate do you have on this mortgage? And what is the value of the home? With a bit of patience and effort, you m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I walk away from my mortgage? ### Answer: To put a different spin on it, suppose you loaned someone $100K, expecting that they would pay it back, and then a little later they decided not t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I walk away from my mortgage? ### Answer: This is a very personal situation of course, but if you can afford the repayments then I recommend keeping the house!. A house is a long term inve...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I walk away from my mortgage? ### Answer: Very few people's credit is worth $100,000. The average homeowner's credit (family of four with good to very good credit) is worth about $30,000. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I walk away from my mortgage? ### Answer: The worth of a credit score (CS) is variable. If you buy your stuff outright with 100% down then your CS is worthless. If you take a loan to buy ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When should I walk away from my mortgage? ### Answer: Many good answers here, especially that you have to consider that renting may be more expensive than you'd think. Also, keep in mind that rent is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Multi-Account Budgeting Tools/Accounts/Services ### Answer: IngDirect has this concept of sub accounts inside a main account - that might be perfect for what you are looking for. To clarify, you basic...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Multi-Account Budgeting Tools/Accounts/Services ### Answer: I sort of do this with credit cards. I actually have 4 AMEX cards that I've accumulated over the years. Certain types of expenses go on each...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Multi-Account Budgeting Tools/Accounts/Services ### Answer: Have you looked at mint? Their budgeting feature can track spending against your budget categories across your checking and credit card acco...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Multi-Account Budgeting Tools/Accounts/Services ### Answer: I know of websites that do this, but I don't know of banks that do. Is there any reason you want to do this at a bank rather than use a serv...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Adding a 180 day expiration to checks ### Answer: While you can print that on the check, it isn't considered legally binding. If you are concerned about a check not being deposited in a timely manner,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Adding a 180 day expiration to checks ### Answer: Your bank has discretion to honor checks after 6 months, so you should talk to your bank about their specific policy. In general, banks won't accept "...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Consumer Loans vs Mortgages ### Answer: I went here: Consumer Loan Law. It seems that a consumer loan is anything other than a business loan or mortgage. However, in California it seems to include a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Consumer Loans vs Mortgages ### Answer: Here's a good definition of a consumer loan: What is a Consumer Loan? As@Pete B. pointed out, there are some states (California loves to be the oddball, doesn't...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: One company asks for picture of my debit card ### Answer: Although it is strange, there is little risk. The first four numbers are just the card type (Visa, Master, etc.), and the last four alone don'...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: One company asks for picture of my debit card ### Answer: Sounds questionable to me. If there is no way around this I would suggest opening a new account with only the minimum balance necessary and se...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: One company asks for picture of my debit card ### Answer: I don't see a way that this would make matters worse than just giving them the credit card info... Except that it would make abusing the card ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: One company asks for picture of my debit card ### Answer: Believe it or not, what they're asking you is not as unusual as you might think. Our company sells a tremendous amount of expensive merchandi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I save money on a gym / fitness membership? New Year's Resolution is to get in shape - but on the cheap! ### Answer: Shop around for Gym January is a great time to look because that's when mos...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I save money on a gym / fitness membership? New Year's Resolution is to get in shape - but on the cheap! ### Answer: If you're determined to save money, find ways to integrate exercise into yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I save money on a gym / fitness membership? New Year's Resolution is to get in shape - but on the cheap! ### Answer: Try a gym for a month before you sign up on any contracts. This will also ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I save money on a gym / fitness membership? New Year's Resolution is to get in shape - but on the cheap! ### Answer: Find a physical activity or programme that interests you. Memberships only...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I save money on a gym / fitness membership? New Year's Resolution is to get in shape - but on the cheap! ### Answer: The gym I used to use was around £35-40 a month, its quite a big whack but ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I save money on a gym / fitness membership? New Year's Resolution is to get in shape - but on the cheap! ### Answer: Look for discounts from a health insurance provider, price club, profession...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I save money on a gym / fitness membership? New Year's Resolution is to get in shape - but on the cheap! ### Answer: I came across an article posted at Squawkfox last week. It's particularly ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Emptying a Roth IRA account ### Answer: If you have multiple accounts, you have to empty them all before you can deduct any losses. Your loss is not a capital loss, its a deduction. It is calculated b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Emptying a Roth IRA account ### Answer: nan ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does stock dilution work in relation to share volume? ### Answer: Here is an example for you. We have a fictional company. It's called MoneyCorp. Its job is to own money, and that's all. Right now...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does stock dilution work in relation to share volume? ### Answer: The reason a company creates more stock is to generate more capital so that this can be utilized and more returns can be generated...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does stock dilution work in relation to share volume? ### Answer: Let me answer with an extreme example - I own the one single share of a company, and it's worth $1M. I issue 9 more shares, and fi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: US citizen sometimes residing in spain, wanting to offer consulting services in Europe, TAXES? ### Answer: With something this complicated you are going to want to consult professionals. Either a prof...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to evaluate stocks? e.g. Whether some stock is cheap or expensive? ### Answer: If you are looking for numerical metrics I think the following are popular: Price/Earnings (P/E) - You mentioned this...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to evaluate stocks? e.g. Whether some stock is cheap or expensive? ### Answer: Its like anything else, you need to study and learn more about investing in general and the stocks you are looking at...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to evaluate stocks? e.g. Whether some stock is cheap or expensive? ### Answer: nan ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to evaluate stocks? e.g. Whether some stock is cheap or expensive? ### Answer: duffbeer's answers are reasonable for the specific question asked, but it seems to me the questioner is really wantin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to evaluate stocks? e.g. Whether some stock is cheap or expensive? ### Answer: I look at the following ratios and how these ratios developed over time, for instance how did valuation come down in ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which US services allow small/micro-payments using a credit card? ### Answer: I don't know of any and it is unlikely that you will be able to find one. Most credit card processors charge a flat fee ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a home with down payment from family as a “loan” ### Answer: Say you're buying a 400K house. Your relative finances 120K (30%). Say I'm optimistic, but the real-estate market recovers, and your...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a home with down payment from family as a “loan” ### Answer: I would recommend against loans from family members. But if you decide to go down that path take care of the basics: This is a busin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a home with down payment from family as a “loan” ### Answer: Keep in mind that lenders will consider the terms of any loans you have when determining your ability to pay back the mortgage. They...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a home with down payment from family as a “loan” ### Answer: In effect, you are paying for 70% of the house but he gets half the gain. On the flip side, you're living there, so that probably ma...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a home with down payment from family as a “loan” ### Answer: Lenders pay attention to where your down payment money comes from. If they see a large transfer of money into your bank account with...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a home with down payment from family as a “loan” ### Answer: I'll compare it to a situation that is different, but will involve the same cash flow. Imagine the buyer agrees that you buy only 7...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does refinancing work? ### Answer: A re-financing, or re-fi, is when a debtor takes out a new loan for the express purpose of paying off an old one. This can be done for several reasons; usually t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does refinancing work? ### Answer: You owe $20,000 to a loanshark, 1% per week interest. I'm happy to get 1% per month, and trust you to pay it back, so I lend you the $20,000. The first lender ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does refinancing work? ### Answer: Since there was no sale, where does the money actually come from? From the refinancing bank. It's a new loan. How does a bank profit from this, i.e. why would th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why don't some places require a credit card receipt signature, and some do? ### Answer: This is basically done to reduce costs and overhead, with agreement of the credit card issuers. When the card is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why don't some places require a credit card receipt signature, and some do? ### Answer: My understanding it that the signature requirement is at the retailer's discretion. If the merchant decides to r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why don't some places require a credit card receipt signature, and some do? ### Answer: Merchants apply in advance for the program, and the amount is limited to less than $25. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What ETF best tracks the price of gasoline, or else crude oil? ### Answer: There is no ETF that closely tracks oil or gasoline. This is because all existing oil and gasoline ETFs hold futures contract...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What ETF best tracks the price of gasoline, or else crude oil? ### Answer: Do not buy any commodity tracking ETF without reading and understanding the prospectus. Some of these things get exposure to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What ETF best tracks the price of gasoline, or else crude oil? ### Answer: UNG United States Natural Gas Fund Natural Gas USO United States Oil Fund West Texas Intermediate Crude Oil UGA Un...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Any extra fees charged by passive stock and bond ETFs on top of the standard fees? ### Answer: Brokers will have transaction fees in addition to the find management fees, but they should be very trans...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should the bank cover money lost due to an unsuccessful transfer? ### Answer: Since the transaction was not your bank's mistake (but a decision by the Indian government) why should your bank bear the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the fuss about Credit Score / History? ### Answer: Simply staying out of debt is not a good way of getting a good credit score. My aged aunt has never had a credit card, loan or mortgage, has ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the fuss about Credit Score / History? ### Answer: Since we seem to be discussing credit score and credit history interchangeably, if I can add credit report as the third part of the puzzle, I ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the fuss about Credit Score / History? ### Answer: Your credit score, for better or worse, is increasingly about more than just getting loans. For example insurance companies can use it to some...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the fuss about Credit Score / History? ### Answer: If human beings were Homo Economicus, i.e. textbook rational and self-interested economic-minded beings, as opposed to simply human, then yes,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the fuss about Credit Score / History? ### Answer: I justed rented a new house, and they ran my credit to see if I am a reliable person. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the fuss about Credit Score / History? ### Answer: Credit Unions have long advocated their services based on the fact that they consider your "character." Unfortunately, they are then at a los...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the fuss about Credit Score / History? ### Answer: Use credit and pay your bills on time. That's really about it. If you do that, you don't need to think about credit score. It's really a big ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I use FOREX markets to exchange cash? ### Answer: Because the standard contract is for 125,000 euros. http://www.cmegroup.com/trading/fx/g10/euro-fx_contractSpecs_futures.html You don't want to u...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I use FOREX markets to exchange cash? ### Answer: As far as I understand, OP seems to be literally asking: "why, regarding the various contracts on various exchanges (CBE, etc), is it that in some...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to graph the market year over year? for example Dow Jones Index ### Answer: The graphing tools within Yahoo offer a decent level of adjustment. You can easily choose start and end years, and 2 or ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to graph the market year over year? for example Dow Jones Index ### Answer: Instead of using the actual index, use a mutual fund as a proxy for the index. Mutual funds will include dividend income...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm only spending roughly half of what I earn; should I spend more? ### Answer: If you are happy, really honestly happy, there is no need to change because you read it somewhere. While I believe that ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm only spending roughly half of what I earn; should I spend more? ### Answer: Goodness, I wish I could put away half my paycheck. Not to rain on your parade, but a 6-month emergency fund is not quit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm only spending roughly half of what I earn; should I spend more? ### Answer: Heck no, don't spend more! I saved a ton of money when I got my first real job. You won't always be able to do this. Sa...