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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: Now I have been trying to figure out how to split the money that we both earn. From what I can see there are several concepts but none of them ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: I started this off as a comment to Joe's answer, but it got rather messy in that form so I'll just post it as a separate answer instead. I sugg...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: I won't answer in a detailed manner because most people at this site like answers with certain bias' on these questions, like pool resources al...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: I think you have succumbed to a category error. The rational course forward is to classify all property as either his, hers, or family's. Each ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: I can only share with you my happened with my wife and I. First, and foremost, if you think you need to protect your assets for some reason the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: My own personal point of view. I earn about twice what my wife to be earns. We are planning on getting married next year. I ultimately do all ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: You currently have 5400€ between you and 2600€ expenses leaving you 2800€. You currently keep 1900€ and she keeps 900€ at the end of each month...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: nan ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: Some basic thoughts, mostly on fairness. I guess the answer doesn't really fit this site, it's more about ethics, but this fits the question wh...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: This would be my suggestion: I would approach the problem thinking about the loss of monthly income you (as a couple) will be facing due to you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: What equal percentage of both you and your girlfriend's income will cover the essential household expenses? Although we earned different amount...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: The bottom line is choosing the right partner. If your partner works as hard as you do, than everything should be split, irregardless of who ma...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to share income after marriage and kids? ### Answer: I think the problem is that you've made a math error. This child would not be costing you 300 per month, it will be costing you 1400 per month....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is the gross amount of US debt dangerous for the small investor? ### Answer: Not a lot, directly. Your biggest direct risk is that you could buy the debt, and buy it at too high a price (i.e. too low ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some time tested passive income streams? ### Answer: Dividends are a form of passive income. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some time tested passive income streams? ### Answer: Royalties. (Once you start getting them.) ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some time tested passive income streams? ### Answer: Renting a house out using a management company is mostly passive income. Earning affiliate income from companies that pay on a recurring b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some time tested passive income streams? ### Answer: Last year was a great opportunity for dividend stocks and MLPs. I have a few which are earning 6-9% of my investment basis cost. Municipal...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some time tested passive income streams? ### Answer: Any kind of savings account is a passive income stream. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some time tested passive income streams? ### Answer: I owned and managed a few residential properties. At one time the net cash flow was on the order of $1000 per month. But it was work. L...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some time tested passive income streams? ### Answer: You could buy debt/notes or other instruments that pay out periodically. Some examples are If there is an income stream you can discount...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some time tested passive income streams? ### Answer: Interest payments You can make loans to people and collect interest. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some time tested passive income streams? ### Answer: There are lots of different ways to generate passive income. What is Passive Income? Basically it is income you receive without having to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How secure is my 403(b)? Can its assets be “raided”? ### Answer: The simple answer is that with the defined contribution plan: 401k, 403b, 457 and the US government TSP; the employer doesn't hold on t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How secure is my 403(b)? Can its assets be “raided”? ### Answer: I assume you get your information from somewhere where they don't report the truth. I'm sorry if mentioning Fox News offended you, it w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How is an ETF's NAV determined? ### Answer: An ETF manager will only allow certain financial organisations to create and redeem ETF shares. These are called Authorised Participants (APs). The APs ha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stop paying VAT on digital sales when earnings are under £81k ### Answer: You can't currently avoid it. The reason the legislation was introduced was to prevent the big-name developers from setting up...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some people go through contortions to avoid paying taxes, yet spend money on expensive financial advice, high-interest loans, etc? ### Answer: One is a choice the other is not. While they are b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some people go through contortions to avoid paying taxes, yet spend money on expensive financial advice, high-interest loans, etc? ### Answer: I think sometimes this is simply ignorance. If my ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some people go through contortions to avoid paying taxes, yet spend money on expensive financial advice, high-interest loans, etc? ### Answer: To some extent, I suppose, most people are okay wi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some people go through contortions to avoid paying taxes, yet spend money on expensive financial advice, high-interest loans, etc? ### Answer: The bank provides a service that the customer volu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some people go through contortions to avoid paying taxes, yet spend money on expensive financial advice, high-interest loans, etc? ### Answer: An example, where I live. When you buy a house, th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is housing provided by a university as employer reported on 1040? ### Answer: To answer your question directly, this is a taxable benefit that they are providing for you in lieu of higher wages. It is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is housing provided by a university as employer reported on 1040? ### Answer: Since you worked as an RA, the university should send you a W2 form. The taxable wages line in that form would be the sum ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is housing provided by a university as employer reported on 1040? ### Answer: You should ask a CPA or tax lawyer to what extent living in specific housing provided by the employer as a job requirement...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Capital Gains in an S Corp ### Answer: These are all factually correct claims. S-Corporation is a pass-through entity, so whatever gain you have on the corporate level - is passed to the shareholders....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Capital Gains in an S Corp ### Answer: Lets just get to the point...Ordinary income (gains) earned from S-Corp operations (i.e. income earned after all expenses for providing services or selling produ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Capital Gains in an S Corp ### Answer: A nondividend distribution is typically a return of capital; in other words, you're getting money back that you've contributed previously (and thus would have be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do stocks go up? Is it due to companies performing well, or what else? [duplicate] ### Answer: The value of a stock ultimately is related to the valuation of a corporation. As part of the valuati...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do stocks go up? Is it due to companies performing well, or what else? [duplicate] ### Answer: The same applies if you were looking for a business to buy: would you pay more for a business that is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do stocks go up? Is it due to companies performing well, or what else? [duplicate] ### Answer: Prices can go up or down for a variety of reasons. If interest rates decline typically every stock go...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do stocks go up? Is it due to companies performing well, or what else? [duplicate] ### Answer: Supply and Demand, pure and simple! There are two basic forms of this - a change in the quantity dema...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do stocks go up? Is it due to companies performing well, or what else? [duplicate] ### Answer: Remember that shares represent votes at the shareholders' meeting. If share price drops too far below...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How did historical high tax rates work in practice? ### Answer: I remember in the 19th and early 20th century was the problem of Trusts set up by the wealthy to avoid taxes (hence the term "Anti-Trus...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does the rise in ACA premiums affect employer-provided health insurance premiums? ### Answer: There are a lot of moving parts, individual premiums and annual increases have little to do with employer ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does the rise in ACA premiums affect employer-provided health insurance premiums? ### Answer: It's likely impossible to determine why premiums are increasing in a meaningful way; not only is the inter...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does the rise in ACA premiums affect employer-provided health insurance premiums? ### Answer: Depends on the insurance company itself, as well as the costs of treatments. Imagine an ideal scenario whe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What caused this drop? ### Answer: I'm going to guess that you found this because of a stock screener. This company went through a 1:20 reverse split on June 30, so every 20 shares outstanding became...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What caused this drop? ### Answer: I do not fully understand the transactions involved, but it appears that there was a reverse stock split (20:1) and some legal status change as well on June 29th. Th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do markets “factor in” a future event? ### Answer: At the most fundamental level, every market is comprised of buyers and selling trading securities. These buyers and sellers decide what and how t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In USA, what circumstances (if any) make it illegal for a homeless person to “rent” an address? ### Answer: You owe taxes to the state where you earned the income, and also to the state where you phys...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In USA, what circumstances (if any) make it illegal for a homeless person to “rent” an address? ### Answer: It depends on the rules in the specific places you stay. Specific places being countries or...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can the Philadelphia Center City District Tax be deducted on my Schedule-A? ### Answer: My basic rule of thumb is that if the the bill come from a government office of taxation, and that if you fail t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does unemployment insurance work? ### Answer: Unemployment insurance provides a temporary safety net to workers who lose their jobs by replacing a portion of their salary for certain periods. Each...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to secure one's effort when working on a contract? ### Answer: Anytime you do work without any payment until the work is complete, you are effectively extending credit to the party receiving your ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to secure one's effort when working on a contract? ### Answer: I don't think you need to bother with trust accounts. The point of a trust account is holding funds that aren't yours yet. You take...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is accident insurance worth it for my kids who play sports ### Answer: The general answer to any "is it worth it" insurance question is "no," because the insurance company is making a profit on the in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In what ways can a public company ask for money? ### Answer: There are many different methods for a corporation to get money, but they mostly fall into three categories: earnings, debt and equity. Ea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it not a requirement for companies to pay dividends? ### Answer: The shareholders have a claim on the profits, but they may prefer that claim to be exercised in ways other than dividend payment...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it not a requirement for companies to pay dividends? ### Answer: Cash flow is needed for expansion, either to increase manufacturing capacity or to expand the workforce. Other times companies u...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it not a requirement for companies to pay dividends? ### Answer: This answer will expand a bit on the theory. :) A company, as an entity, represents a pile of value. Some of that is business va...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it not a requirement for companies to pay dividends? ### Answer: You have plenty of good answers, but I want to add something that might help you grow your intuition on stocks. There are a lot ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: MasterCard won't disclose who leaked my credit card details ### Answer: As indicated in comments, this is common practice in the US as well as EU. For example, in this Fox Business article, a user ha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: MasterCard won't disclose who leaked my credit card details ### Answer: I found a german article describing the legal situation in Germany. To summarize As outlined by the many possible reasons in the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: MasterCard won't disclose who leaked my credit card details ### Answer: Others have already commented on the impact of anything which dissuades merchants from raising possible breaches, so I won't dwe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: MasterCard won't disclose who leaked my credit card details ### Answer: File a John Doe lawsuit, "plaintiff to be determined", and then subpoena the relevant information from Mastercard. John Doe doe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What steps are required to transfer real estate into a LLC? ### Answer: especially considering it has a mortgage on it (technically a home equity loan on my primary residence). I'm not following. Do...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do rental car agencies sell their cars at a time when it is risky for the purchaser? ### Answer: My mother worked for one of the major American car rental companies. She talked about this topic with m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do rental car agencies sell their cars at a time when it is risky for the purchaser? ### Answer: Many Web sites and articles warn against buying former rental cars, because people renting these cars...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do rental car agencies sell their cars at a time when it is risky for the purchaser? ### Answer: Many Web sites and articles warn against buying former rental cars, because people renting these cars o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do rental car agencies sell their cars at a time when it is risky for the purchaser? ### Answer: I've been told by staff in my local car hire agency that they get such big discounts that they actually...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do rental car agencies sell their cars at a time when it is risky for the purchaser? ### Answer: The rental industry is seasonal. They purchase additional inventory (vehicles) for their busy seasons a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do rental car agencies sell their cars at a time when it is risky for the purchaser? ### Answer: A premium car rental agency will sell a car which is working very well and quite far from the verge of ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do rental car agencies sell their cars at a time when it is risky for the purchaser? ### Answer: Every car model/type has a know interval when things need maintenance or replacement. This info comes m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How Should I Go About Buying a Car? (College Student) ### Answer: So you want to buy a car but have no money saved up.... That's going to be hard!! I'd suggest you get a part-time job, save up and buy...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Opening American credit cards while residing in the UK ### Answer: To build a US credit record, you need a Social Security Number (SSN), which is now not available for most non-residents. An alterna...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Opening American credit cards while residing in the UK ### Answer: Go to the states on vacation. Get a virtual (or friend's) address. Get an ITIN from the IRS. Open a bank account. Get a secured credi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Opening American credit cards while residing in the UK ### Answer: nan ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What dictates the costs of creating an options contract? (Commissions breakdown) ### Answer: I'm not positive my answer is complete, but from information on my broker's website, the following fees app...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Smart to buy a house in college? ### Answer: If you don't plan to stay in it, it is never good money to try to buy a house in a bad neighborhood. The question you want to be asking is probably "Is it ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Smart to buy a house in college? ### Answer: Of course, I know nothing about real estate or owning a home. I would love to hear people's thoughts on why this would or would not be a good idea. Are the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Smart to buy a house in college? ### Answer: People have lost money buying houses in good to great neighborhoods. It's a pretty large red flag that you state this so clearly "the neighborhood is pret...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Smart to buy a house in college? ### Answer: I've heard success stories but personally, I was considering it and I'm so glad I didn't. I ended up hating the atmosphere; left after one semester. To tak...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Smart to buy a house in college? ### Answer: NORMALLY, you don't want to buy in a bad neighborhood. The one exception is "gentrification," that is middle class people are moving in because of a good l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Non Resident Alien Spouse Treated As Resident - Self Employment Income ### Answer: First, the SSN isn't an issue. She will need to apply for an ITIN together with tax filing, in order to file taxes as...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to do when paying for an empty office space? ### Answer: This sounds obvious, but: If the landlord is easygoing, you could ask him if he's okay with you subletting the space, and then you could s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to do when paying for an empty office space? ### Answer: Generally speaking, yes, you're obliged to pay rent for the remainder of the lease term. But the landlord is obliged to mitigate damages, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I buy or lease a car given that its not a super luxury car and I only drive 15 miles/d on avg? ### Answer: I have a few recommendations/comments: The trick here is to make it clear to the deale...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I buy or lease a car given that its not a super luxury car and I only drive 15 miles/d on avg? ### Answer: If you lease a car, you are paying for the depreciation of a certain number of miles, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I buy or lease a car given that its not a super luxury car and I only drive 15 miles/d on avg? ### Answer: Alternative: buy a recent-model used car in good condition. Or buy an older car in goo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I buy or lease a car given that its not a super luxury car and I only drive 15 miles/d on avg? ### Answer: Which to do is determined by how you like to consume cars. If you don't drive a lot an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I buy or lease a car given that its not a super luxury car and I only drive 15 miles/d on avg? ### Answer: Leasing is not exactly a scam, but it doesn't seem to be the right product for you. T...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I buy or lease a car given that its not a super luxury car and I only drive 15 miles/d on avg? ### Answer: I usually recommend along these lines. If you are going to drive the same car for man...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I buy or lease a car given that its not a super luxury car and I only drive 15 miles/d on avg? ### Answer: Cars depreciate and lose value the second you drive off the lot. Why lose money? Fore...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax on insurance payment due to car deemed as total loss? ### Answer: DJClayworth's response is generally correct. You wouldn't have to pay taxes on insurance benefits, since those are in fact bringin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax on insurance payment due to car deemed as total loss? ### Answer: Generally you do not pay taxes on insurance payouts that occur because of some kind of loss, provided you paid the premiums yourse...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much share do the venture capitalists want if they invest in our website? ### Answer: I have worked with venture capitalists on a few different online based tools. There is no rule. I have seen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax question about selling a car ### Answer: I don't think there's much you can do. Losses from the sale of personal-use automobiles (used for pleasure, commuting, etc) are not deductible as capital l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Working for recruiter on W-2 vs. working for client on 1099? ### Answer: I don't think anyone can give you a definitive answer without knowing all about your situation, but some things to consider: If...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Working for recruiter on W-2 vs. working for client on 1099? ### Answer: The tax savings of being 1099 can be significant. It depends on your salary, and what you can deduct. You may want to consult...