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: Will credit card payment from abroad be suspicious as taxable income? ### Answer: US bank deposits over $10K only need to be reported to FinCEN (Financial Crimes Enforcement Network- a bureau of the U...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my auto insurance score? ### Answer: Move to a small town in an insurance friendly state. - Certian states like Florida are considered high risk for doing business for insurance comp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my auto insurance score? ### Answer: Auto Insurance score is in no way related to your driving habits, instead it is based on your credit usage. You are often punished for having mo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my auto insurance score? ### Answer: As a recent college grad who switched to his own car insurance, many of the things I did myself are reflected here. The #1 thing I did was find o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Computer vendor not honoring warranty. What's the next step? ### Answer: You're probably best off going to a different store to fix the computer. Right now you don't have "damages." You could sue him...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Computer vendor not honoring warranty. What's the next step? ### Answer: The issue yo have to consider is that under many state laws, you must give a merchant three opportunities to correct an issue b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Computer vendor not honoring warranty. What's the next step? ### Answer: Give him a second chance to fix it. Some computer problems are hard to nail down. THIS: So you're a tech. It's common to wo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why haven't there been personal finance apps or softwares that use regression modeling or A.I.? ### Answer: What would they be trying to predict? The value YNAB and Mint provide is objective truth ab...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why haven't there been personal finance apps or softwares that use regression modeling or A.I.? ### Answer: How would they make money from it? They sell you the software for $100 (US example; could ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why haven't there been personal finance apps or softwares that use regression modeling or A.I.? ### Answer: Consumer facing finance is heavily regulated. You are liable for the recommendations you mak...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ordering from Canada, charged in CAD or USD? ### Answer: Typically, businesses always charge their 'home' currency, so if the shop is in Canada, you will pay Canadian Dollars. Normally you don't have ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are credit histories/scores international? ### Answer: Currently the credit history are not International but are local. Many countries don't have a concept of credit history yet. Having said that, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are credit histories/scores international? ### Answer: It's not just that credit history is local; it's that it's a private business run for profit. The "big three" credit bureaus in the US are Experi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are credit histories/scores international? ### Answer: Credit history is local, so when you move to the US you start with the blank slate. Credit history length is a huge factor, so in the first year ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are credit histories/scores international? ### Answer: Some countries in European Union are starting to implement credit history sharing, for example now history from polish bureau BIK and German Schu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Any problem if I continuously spend my credit card more than normal people? ### Answer: How will going from 75% Credit Utilization to 0% Credit Utilization affect my credit score? might answer your qu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Any problem if I continuously spend my credit card more than normal people? ### Answer: Sometimes when you are trying to qualify for a loan, the lender will ask for proof of your account balances and ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a rule of thumb to help “Sanity check” insurance costs? ### Answer: Your best bet would be to find an independent Property and Casualty Insurance agent and buy through him/her. Insurance agen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using a Roth IRA instead of a college savings account ### Answer: One problem with this plan is that the individual must have earned income to contribute to a Roth IRA. If you have an infant, unless s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using a Roth IRA instead of a college savings account ### Answer: The problem with this plan is that in order for your children to put money in their own IRA, they need earned income of their own. If...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How long does it take for money to transfer into a mastercard? ### Answer: In a nutshell, as long as they (Sparkasse) choose to. I work with banks where it happens the moment I submit the transaction ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I stockpile nickels? ### Answer: At one point it was illegal to melt silver coins in the US, but it is legal now. I don't know that will happen with copper coins, but that's what happened with...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I stockpile nickels? ### Answer: Probably a big fat NO. Update re this edit: NOTE: I'm not suggesting that I melt the coins. I'm just suggesting that I hold onto the nickels and sell them later...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I stockpile nickels? ### Answer: Stockpile? No. Keep a few around? Sure, if you are a collector. I used to collect pennies and I thought the steel pennies from WWII were neat. I do believe ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I stockpile nickels? ### Answer: It seems like a lot of hassle to make a few bucks. $1,000 in nickels would weight 100kg. I'd rather put my money in ING or into a bond mutual fund like VBMFX....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I stockpile nickels? ### Answer: The question I think is not: "What is a certain material worth in a coin" but "What is a certain material worth in a coin and how much does it cost to get it ou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I stockpile nickels? ### Answer: Trying to engage in arbitrage with the metal in nickels (which was actually worth more than a nickel already, last I checked) is cute but illegal, and would be ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I stockpile nickels? ### Answer: I agree with George. I'll also add that you have to think about the cost of melting the coins for their raw materials. Not exactly free in terms of equipment,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I stockpile nickels? ### Answer: The collectible value of coins will probably increase with the underlying metal value. I'd collect coins for that reason and because I enjoy collecting them. I ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I stockpile nickels? ### Answer: You would have to collect an awful lot to make it profitable. The melting process alone will cost an arm and a leg. Go silver hunting with rolls of Half dollars...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I pay more than 20% down on a home? ### Answer: The more you put down now, the less money you are borrowing. 30yrs of interest adds up. Even paying a small amount at the beginning of the mortg...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I pay more than 20% down on a home? ### Answer: One big factor that no one has mentioned yet is whether you believe in a deflationary or inflationary future. Right now, we are leaning towards a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I pay more than 20% down on a home? ### Answer: First of all, realize that buying a home isn't really an investment. It is cheaper to rent. In recent years, people were able to sell their hou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I pay more than 20% down on a home? ### Answer: The primary reason to put 20% down on your home is to avoid paying PMI (private mortgage insurance). Anyone who buys a house with a down-payment...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I pay more than 20% down on a home? ### Answer: I'd stick with 20% down. Truth is - we don't know enough about you. Are you single and staying that way? How is your retirement savings doing? As...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I pay more than 20% down on a home? ### Answer: Leverage increase returns, but also risks, ie, the least you can pay, the greater the opportunity to profit, but also the greater the chance you ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I pay more than 20% down on a home? ### Answer: A few thoughts off the top of my head: Advantages of more than 20% down: Disadvantages of more than 20% down: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the tax implications of lending to my own LLC? ### Answer: It'll be just like any other loan you make, on your end, and receive, on your LLC's end. You pay taxes on the interest received, and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the tax implications of lending to my own LLC? ### Answer: It looks like you'd just be charging yourself interest and paying yourself back, because it's a pass-through entity, as I'm sure you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Double-entry bookkeeping: How to account for non-monetary taxable benefits received from employer? ### Answer: I can say that I got X dollars from an account like "Income:Benefits"... but where do I c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Moving 401k balance into self-directed IRA ### Answer: Your question asks "how" but "if" may be your issue. Most companies will not permit an external transfer while still employed, or under a certain...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Working remotely from Canada for a US company. How to get paid? ### Answer: I'm no lawyer and no expert, so take my remarks as entertainment only. Also see this question. If you have a U.S. SSN which ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: New York State - NY Tax on Foreign Sourced Income for NY Non-Resident ### Answer: For Non-Resident filers, New York taxes New York-sourced income. That includes: real or tangible personal property loc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Am I responsible for an annual fee on a credit card I never picked up? ### Answer: Have you signed anything? If not - then tell them you don't know who they are and have not agreed to pay. If you did...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Am I responsible for an annual fee on a credit card I never picked up? ### Answer: In the end, I was not required to pay the fee. After some frustrating initial attempts, I ended up writing a letter a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Medical Bill Consolidation ### Answer: There are definitely ways to retroactively consolidate medical bills -- there's an entire industry of companies offering debt consolidation (many of which are sc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Medical Bill Consolidation ### Answer: In short, no, or not retroactively. There really are multiple companies involved, each of which bills you separately for the services they provided. This can be ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I deposit money as cash does it count as direct deposit? ### Answer: Well, it's directly depositing money in your account, but Direct Deposit is something completely different: https://en.wikipedia...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I deposit money as cash does it count as direct deposit? ### Answer: As RonJohn points out, direct deposit is something very different. What's going on here is that they are trying to exclude the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to explain the source of *all* income on my taxes? ### Answer: As a gift, the responsibility lays with the giver to file a 709 with their taxes for gifting to a single entity (barring certai...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to explain the source of *all* income on my taxes? ### Answer: Do I have to explain the source of all income on my taxes? "Yes, you do", say the ghosts of Ermenegildo and Mary Cesarini. http...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to explain the source of *all* income on my taxes? ### Answer: This is a case where you sit down with an advisor or two. There are legal, and tax issues. When you deposit the cash, or buy a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to explain the source of *all* income on my taxes? ### Answer: You can report it as illegal income and you don't have to elaborate any further. For instance, spirit the cash off to a state ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to explain the source of *all* income on my taxes? ### Answer: @RonJohn's answer for pallet of $20's is right for the specific case. For the general case of all income, it depends on whether...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to explain the source of *all* income on my taxes? ### Answer: Well, that's probably not even all of it. If that stranger did his taxes properly, then he already paid about a third of it to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to explain the source of *all* income on my taxes? ### Answer: Nah. Fill it in on the line that says "Other Income" with type of "5th Amendment". There's lots of reasons why you might want t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to explain the source of *all* income on my taxes? ### Answer: Appears to be a hypothetical question and not really worth answering but... Must it be explained.. no, not until audited. It's ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a building with two flats, can I rent one out and still get a residential mortgage? ### Answer: It depends on the terms of the mortgage. Generally speaking, residential mortgages specifically p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a building with two flats, can I rent one out and still get a residential mortgage? ### Answer: I'd talk to a solicitor and see if you can structure the purchase in a way that breaks the proper...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a building with two flats, can I rent one out and still get a residential mortgage? ### Answer: NO Even worse, most BTL(buy to let) lenders will not lend if you are going to be living in the pr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying a building with two flats, can I rent one out and still get a residential mortgage? ### Answer: The simple answer is to get a residential mortgage first, and once you have secured the loan, do ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which Benjamin Graham book should I read first: Security Analysis or Intelligent Investor? ### Answer: I would recommend reading Intelligent Investor first. It was written slightly more recently (1949...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which Benjamin Graham book should I read first: Security Analysis or Intelligent Investor? ### Answer: I would start with The Intelligent Investor. It's more approachable than Security Analysis. I r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which Benjamin Graham book should I read first: Security Analysis or Intelligent Investor? ### Answer: First The Intelligent Investor and then the 1962 edition Security Analysis - which is out of prin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which Benjamin Graham book should I read first: Security Analysis or Intelligent Investor? ### Answer: If you're looking to learn more about investing for personal use (as opposed to academic interest...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which Benjamin Graham book should I read first: Security Analysis or Intelligent Investor? ### Answer: Having thought about it, I decided to start with another book by the same author : "The Interpret...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which Benjamin Graham book should I read first: Security Analysis or Intelligent Investor? ### Answer: Read the Security Analysis. I believe if you read it completely, you will have a real good chanc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What exactly is a wealth management platform? ### Answer: It's a tech buzzword. OK I'm being a bit glib. A Wealth Management Platform is a software system designed to help people track their investme...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What exactly is a wealth management platform? ### Answer: Most businesses have some sort of software to manage their client data. Most of these various software and/or services are industry specific....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What do I need to be aware of if I choose to resell property early (in Alberta)? ### Answer: You will have no problem doing this for one home and living in it for one or two years. There's a recent c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there lesser or no tax on assets? ### Answer: US federal tax law distinguishes many types of income. For most people, most of their income is "earned income", money you were paid to do a job. Anoth...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there lesser or no tax on assets? ### Answer: Tax Shield would be known as: A tax shield is a reduction in taxable income for an individual or corporation achieved through claiming allowable dedu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Shifting income to 401k ### Answer: This will be difficult to achieve. It can be done, but it's very rare to have an agreement where your employer is willing to max out your contribution limit unless...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Shifting income to 401k ### Answer: Assumptions made for this answer, they may not be true for anybody: For the numbers part we will assume you are single and make 96,000 per year. Unknowns: how long...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does this plan make any sense for early 20s investments? ### Answer: The plan doesn't make sense. Don't invest your money. Just keep it in your bank account. $5000 is not a lot, especially since you ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does this plan make any sense for early 20s investments? ### Answer: I'm not following what's the meaning of "open a mutual fund". You don't open a mutual fund, you invest in it. There's a minimum req...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does this plan make any sense for early 20s investments? ### Answer: I would wait, and invest that money in a Roth IRA. Because taxes are paid on the contributions to a Roth IRA, you can withdraw the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does this plan make any sense for early 20s investments? ### Answer: I think it's great idea. Many large brokerages give customers access to a pretty sizable list of zero commission, zero load funds....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How is someone tax exempt at Walmart in Canada? ### Answer: The short answer is you're tax exempt if the tax laws say you are. There are a bunch of specific exemptions based on who you are, what you'...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How is someone tax exempt at Walmart in Canada? ### Answer: Note that folks may also be shopping for supplies for a nonprofit tax-exempt organization. I made such a purchase a few weeks ago. Whatever ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If something is coming into my account will it be debit or credit in my account? ### Answer: The bank will make this even more confusing because they use the terms from their own perspective. From the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If something is coming into my account will it be debit or credit in my account? ### Answer: It sounds like you're mixing a simple checkbook register with double-entry bookkeeping. Do you need a doubl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If something is coming into my account will it be debit or credit in my account? ### Answer: I agree with mbhunter's suggestion of labeling your columns, 'income' and 'expenses'. However, to answer yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If something is coming into my account will it be debit or credit in my account? ### Answer: If you are considering this to be an entry for your business this is how you would handle it.... You said y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If something is coming into my account will it be debit or credit in my account? ### Answer: The bank "credit's" your account for money coming into it. In double entry accounting, you always have a de...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If something is coming into my account will it be debit or credit in my account? ### Answer: Most bank registers (where you write down entries) show deposits (+) to account as a CREDIT. Payments, fees...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much is university projected to cost in Canada in 18 years? ### Answer: For a Canadian university education, an October 2009 article at Canada.com says: [...] The study estimates the total price t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much is university projected to cost in Canada in 18 years? ### Answer: The College Board offers a calculator. (Targeted to US residents; not sure how the figures will differ for Canada and other...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much is university projected to cost in Canada in 18 years? ### Answer: Here's a great Canadian college/university cost calculator I used; found at Canadian Business - they say: Our tool is divide...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much is university projected to cost in Canada in 18 years? ### Answer: I personally do not buy any those so-call forecasts - look no further than the economic forecasts by those experts with PhDs...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my credit score if I am not paying bills or rent? ### Answer: For those who are looking to improve credit for the sake of being able to obtain future credit on better terms, I think ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my credit score if I am not paying bills or rent? ### Answer: So you work, and give a small irregular amount to you parents. You live with very low expenses. Assuming you make a bi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my credit score if I am not paying bills or rent? ### Answer: Any kind of credit contract such as a mobile phone contract (could be SIM only or with a handset) would also help increa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my credit score if I am not paying bills or rent? ### Answer: One of the other things you could do to improve your score would be along the lines of what Pete said in his answer, but...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my credit score if I am not paying bills or rent? ### Answer: You can improve your credit score simply by being an authorized user on someone's credit card account. They don't even ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my credit score if I am not paying bills or rent? ### Answer: When you say "promptly paying off the outstanding balance", do you mean you pay it off literally as soon as you have inc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my credit score if I am not paying bills or rent? ### Answer: US based so I don't know how closely this translates to the UK, but generally speaking there are three things that contr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my credit score if I am not paying bills or rent? ### Answer: If credit scoring works in the UK like it does in the US, then I think the fact that you own+use a credit card and pay o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my credit score if I am not paying bills or rent? ### Answer: An activity which can help improve your credit score and actually make you money is stoozing. It's a little complicated ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my credit score if I am not paying bills or rent? ### Answer: Buy a car. Vehicle loans, like mortgages, are installment loans. Credit cards are revolving lines of credit. In the US, ...