query_id stringlengths 32 32 | query stringlengths 6 5.38k | positive_passages listlengths 1 17 | negative_passages listlengths 9 100 | subset stringclasses 7
values |
|---|---|---|---|---|
6bfd747b0dc86e7c65bcac7346ac672e | fastest way to move USD to EUR | [
{
"docid": "8995e92eb9f6fb42039cb4f73c8a21d5",
"text": "You're asking three different things: What is the fastest way, what is the cheapest way and what is the easiest way. You will not find one method that is all three at once. The fastest way is a wire transfer. The cheapest way that I've encountered is... | [
{
"docid": "5e378ee1d0052e8237391cc8a26c5555",
"text": "How should we disregard leverage when it's the leverage that creates the 'wipe-out' potential? If you simply convert 100K EUR to USDollars, you dollars might then fluctuate a few thousand, maybe even 10K over a year, but the guy that only put up 1000 E... | fiqa |
f2df8325f65682e96d2265840830a816 | How to start personal finances? | [
{
"docid": "5d263c58e06cdef68f6e70bdde5012eb",
"text": "I'm assuming you're in Germany or Europe based on your question, but here's an American's perspective that should pertain you you as well: Once you have a steady income and an emergency fund large enough to keep you from going bankrupt, then start lear... | [
{
"docid": "4b65a7bc2e4502b2f706e84c5fc12f04",
"text": "\"As THEAO suggested, tracking spending is a great start. But how about this - Figure out the payment needed to get to zero debt in a reasonable time, 24 months, perhaps. If that's more than 15% of your income, maybe stretch a tiny bit to 30 months. ... | fiqa |
f664b19075265c4eedbd1ff7bdbaf00e | Is threatening to close the account a good way to negotiate with the bank? | [
{
"docid": "4ba84bfbdd386cc7be5016258b24fb99",
"text": "If this matters to you a lot, I agree you should leave. My primary bank account raised chequing account and transaction fees. I left. When I was closing my account the teller asked for the reason (they needed to fill out a form) and I explained it was ... | [
{
"docid": "6eeebb604046b2dd9274a55dbadbaf4f",
"text": "Your credit score is definitely affected by the age of your credit accounts, so if you frequently close one card and open another new one, you're adversely affecting the overall average age of accounts. This is something to consider and whether it is ... | fiqa |
d236e2bbcbe052f0d18cb28f0cd2ed9d | How to keep control of shared expenses inside marriage? | [
{
"docid": "8018eefd837fd80fcc3c6bd9a4cb2eb5",
"text": "\"JoeTaxpayer's answer mentions using a third \"\"house\"\" account. In my comment on his answer, I mentioned that you could simply use a bookkeeping account to track this instead of the overhead of an extra real bank account. Here's the detail of what... | [
{
"docid": "8ecad338e1109d173bd965ba1f489795",
"text": "\"What I've found works best when working on my personal budget is to track my income and spending two different ways: bank accounts and budget categories. Here is what I mean: When I deposit my paycheck, I do two things with it: It goes into my checki... | fiqa |
d13173a47ff206af82dbb93a501ad169 | Prize Money, Taxes and Foreign / International Students | [
{
"docid": "f41ce7e0d2fa9c6ff52ac387f7808299",
"text": "The committee folks told us Did they also give you advice on your medication? Maybe if they told you to take this medicine or that you'd do that? What is it with people taking tax advice from random people? The committee told you that one person should... | [
{
"docid": "9988d3b8411fc7579ae2b5955c69a7bc",
"text": "I'm guessing you're asking about the US. Please add a location tag to your question. Unfortunately you cannot claim expenses paid for someone other than yourself or your dependents. In IRS publication 970, that deals with education credits, they give ... | fiqa |
8f470f53b5035e258000fc4b64a5d32f | Roth IRA - Vanguard or Fidelity? If a college student had to pick one? | [
{
"docid": "8351c7da0a66759c0c00f43e8b8cc80e",
"text": "The minimum at Schwab to open an IRA is $1000. Why don't you check the two you listed to see what their minimum opening balance is? If you plan to go with ETFs, you want to ask them what their commission is for a minimum trade. In Is investing in an E... | [
{
"docid": "adcaaa179270d076ea0768d8715a2b95",
"text": "A Roth IRA is just an account wrapper. Inside a Roth IRA you can have a plain 0.1% savings account, or a brokerage account, or an annuity or whatever. There's no rate of return for a Roth IRA. That particular calculator seems to assume you'll be wrap... | fiqa |
7c5e6ae8ab42ff3548bcd0e792cabd56 | Strategies for paying off my Student loans | [
{
"docid": "6e749d75baf01102ec18f7913553b5f3",
"text": "My advice is that if you've got the money now to pay off your student loans, do so. You've saved up all of that money in one year's time. If you pay it off now, you'll eliminate all of those monthly payments, you'll be done paying interest, and you s... | [
{
"docid": "29922615ca4e1e72732efd362bcf2a41",
"text": "\"I don't have enough reputation in this community to comment yet, so this \"\"answer\"\" is really just a minor furtherance of JoeTaxpayer's comment... THe only thing I might add to this great answer - make all minimum payments, and send all extra ava... | fiqa |
1d57d3f2a2ec5b3345a8f9a25b29ee23 | Is there a White-list of Trusted Online Vendors? | [
{
"docid": "8c45ec28837ec110e437b539ed937129",
"text": "\"I'm going to go with \"\"ridiculous notion.\"\" :) The vast majority of businesses are legitimate, run by honest people trying to earn a living for themselves and their employees. These days, almost all of them accept credit cards. Crooked busines... | [
{
"docid": "d855a6639f5e5496aa280c5cbeca1f5a",
"text": "I don't understand why businesses that supposedly offer a legitimate product decide to host 3rd party code. Is their actual product so worthless that they need the extra few cents from ad revenue? And there are open source analytic packages that tell... | fiqa |
4f0c891ee5211052bfe8ea10c12cc953 | What does the settlement date of short interest mean? | [
{
"docid": "e1fdcd7e54bb83602f5e55c5b27dc940",
"text": "At the bottom of the page you linked to, NASDAQ provides a link to this page on nasdaqtrader.com, which states Each FINRA member firm is required to report its “total” short interest positions in all customer and proprietary accounts in NASDAQ-listed s... | [
{
"docid": "f4644d808e6ad59b2b32bb273f916605",
"text": "Just adding on a touch, when market participants refer to swaps they are talking about the fixed leg. So for example, if I said a 5y Receiver, it means I am receiving fixed, paying floating. Ie I want yields to fall. Opposite for a Payer. Swaption i... | fiqa |
0eda6ad84218ed45e1a054efe1a881ba | If earning as freelancer, is it better to be a Sole Trader or Limited Company? | [
{
"docid": "3ac188863937de2106c8c20b17e1bbb7",
"text": "As I understand it (please correct me if i'm wrong, i've looked at this before and i've been a sole trader briefly but I've never formed a LTD company) there are pros and cons to forming a limited company. Pros Cons",
"title": ""
},
{
"doci... | [
{
"docid": "6f502d2bdee21a91a60a914580f1d61e",
"text": "You can find a lot of information at the HRMC website at http://hmrc.gov.uk. If you don't want to work as an employee, you can register as self-employed (basically a one-man band), which is quite simple, you can start your own company, which is more w... | fiqa |
7a10c24f58e88c125bc689905ccd34e9 | Are stores that offer military discounts compensated by the government? | [
{
"docid": "5419b5d99a25ab6ee6fa2ee99b2fda05",
"text": "Company X located outside a military base offer discounts to military as a form of marketing. They want to encourage a group of potential customers to use their store/service. In some cases they are competing with subsidized store on the base. In other... | [
{
"docid": "3b36305cf5bd1204e47a99690160c354",
"text": "The vendor needs to do this using apportionment, according to the VAT rules for mixed supplies: If you make mixed supplies and the individual supplies are not liable to VAT at the same rate then you need to work out the tax value of each supply in ... | fiqa |
af8dcb3e3ec29b019b5fe0d35395fc1c | Can I claim a tax deduction for working from home as an employee? I work there 90% of the time | [
{
"docid": "af94bde04c5e56fce68e17efd75ae0cc",
"text": "The short answer is yes you probably can take the deduction for a home office because the space is used exclusively and you are working there for the convenience of your employer if you don't have a desk at your employers office. The long answer is tha... | [
{
"docid": "0a788c0d227d60e290dc71775c247243",
"text": "Yes, you've summarized it well. You may be able to depreciate your computer, expense some software licenses and may be home office if you qualify, but at this scale of earning - it will probably not cover for the loss of the money you need to pay for t... | fiqa |
44b0eb78eb8c072351a7cdf032648cc6 | How should I record invoices in foreign currency in GNUCash? | [
{
"docid": "bc6e266b59ecc292bde5266b4226db53",
"text": "\"The solution I've come up with is to keep income in CAD, and Accounts Receivable in USD. Every time I post an invoice it prompts for the exchange rate. I don't know if this is \"\"correct\"\" but it seems to be preserving all of the information abou... | [
{
"docid": "72b452624646db70ff1533aa27000710",
"text": "I haven't seen this answer, and I do not know the legality of it, as it could raise red flags as to money laundering, but about the only way to get around the exchange rate spreads and fees is to enter into transactions with a private acquaintance who ... | fiqa |
04bab6584e92a3fc68826e20143d2669 | Should I deduct or capitalize the cost to replace a water heater in my rental property? (details Below) | [
{
"docid": "884ddfb3e4e3765cfb75b301ff9dd45a",
"text": "If you're repairing an existing appliance - its an expense. If you're replacing an existing appliance with a new one - that's disposing of one capital asset and putting in service another. You depreciate the new one and you dispose of the old one (if n... | [
{
"docid": "2f433e95de68c23d93cf4fae5295ecc2",
"text": "You will need to look at the 27.5 year depreciation table from the IRS. It tells you how you will be able to write off the first year. It depends on which month you had the unit ready to rent. Note that that it might be a different month from when you ... | fiqa |
b6fcaf9cd49078416abea00dcdda39e3 | What effect does a company's earnings have on the price of its stock? | [
{
"docid": "52d826b925842aa604e0b295fcd54608",
"text": "\"No, the stock market is not there for speculation on corporate memorabilia. At its base, it is there for investing in a business, the point of the investment being, of course, to make money. A (successful) business earns money, and that makes it va... | [
{
"docid": "3fb7e228563796fa46d65b6918fe1cd1",
"text": "I have heard that people say the greater earning means greater intrinsic value of the company. Then, the stock price is largely based on the intrinsic value. So increasing intrinsic value due to increasing earning will lead to increasing stock pr... | fiqa |
4773203adaedb494ffe5b33c046ab4d2 | What U.S. banks offer two-factor authentication (such as password & token) for online banking? | [
{
"docid": "b1ebfc2c86a395f575eb6475a8596391",
"text": "\"StasM, It's taken a while but many banks offer tokens - although they tend to limit the accounts for which they will be issued. All of the following issue tokens, but there are many more: CitiBank JP Morgan Union Bank Wells Fargo Callaway Bank Wachov... | [
{
"docid": "fcea2b8b571f1859139d2c628ccf500a",
"text": "I have USAA and the home loan process was a nightmare. My account was also compromised but I caught it immediately because they sent me an alert of a large sum of money being transferred to my checking account, so there is that. I just found out that... | fiqa |
46aa6170a96de7ecf6b9250ec7af702b | Are there any regulations regards end of loan payment procedures? | [
{
"docid": "180891a9e29d7ad7a96a15eaec0e7bc2",
"text": "There are federal regulations that state that: As a result it can be assumed that when a loan is paid off, notification should be given to the borrower. There is not a penalty since schools are pretty good about recovering their money. It could be due ... | [
{
"docid": "40ae70712ee0d2fee4c95c13d1d2069d",
"text": "If the loan is for a car, or mortgage there is specific paperwork that is processed when the loan payments have been completed. For other types of loans ask the lender, what will they give you regarding the payoff of the loan. Keep this paperwork, in h... | fiqa |
44d497047792dbc1e14fac6511176b06 | What is a trade exchange and are they reputable or not? | [
{
"docid": "40360b49e289a7118e858513501b2fb8",
"text": "I think this is off topic, but here is a stab: So these are cashless. It could be a way to smooth out the harsh reality of capitalism (I overproduced my product, I have more capacity than I can sell) and I can trade those good to other capitalists who... | [
{
"docid": "0c2c9c130645d49832b4a83c7a1b772d",
"text": "I don't know if vanilla beans are traded on any organized exchange, and if they are, it's probably extremely obscure and very hard to access without having both of a lot of money and in-country connections. Edit: no, they're not. So there is no real w... | fiqa |
1ae93ea5a0faf70577f9cbda14991afa | American living abroad and not working for an American company - tax reporting and bank accounts | [
{
"docid": "cc041b18ffe6b806ba4fbcb0c963b9b0",
"text": "\"The IRS taxes worldwide income of its citizens and green card holders. Generally, for those Americans genuinely living/working overseas the IRS takes the somewhat reasonable position of being in \"\"2nd place\"\" tax-wise. That is, you are expected... | [
{
"docid": "94c39b345a0eb3878d903cb081e28da2",
"text": "Are you planning to not pay taxes? Any time someone has income in the U.S., it is subject to U.S. taxes. You must file tax returns (and pay taxes if necessary) if you have income above a certain threshold, regardless of whether you're not authorized to... | fiqa |
2d0f9919e5cc38c8e9f9f6e8f234d9cc | Paid credit card bill, but money didn't leave my checking account [duplicate] | [
{
"docid": "460dca0b3e5b5f08a08830116926fea6",
"text": "The fact that your credit card has seen the payment is strong evidence that the transaction did in fact take place. But it's not unusual for there to be a delay of one or two business days before transactions show up in your online banking records. S... | [
{
"docid": "fd38139ef1ff50c0c080ab457dd92245",
"text": "How about finding a friend with Paypal and sending them the money so they can pay your bill using a card? Withdrawals from Paypal are typically instant now.",
"title": ""
},
{
"docid": "6a45bf0e2322aebf82b61762e7d69c82",
"text": "\"As w... | fiqa |
5d07c2bdeaf965341def439360948ce2 | Why Are Credit Card Rates Increasing / Credit Limits Falling? | [
{
"docid": "52feda2bfa5b003fa24d3ee131ed0895",
"text": "Because people are going deeper into debt and filing for bankruptcy more often, there is more risk on behalf of the credit company. Therefore, they limit their risk by lower limits and increasing interest. For every person that goes bankrupt, there mi... | [
{
"docid": "055049ff07087e73c9e065bffc2b48a0",
"text": "\"On a longer time scale, the plot thickens: It almost looks random. A large drop in real rates in the mid-70s, a massive spike in the early 80s, followed by a slow multi-decade decline. The chaos doesn't seem to be due to interest rates. They stead... | fiqa |
b7ff5fcebd6148a70b4d5327187506d8 | Why an inner suburbs small apartment considered a risky investment | [
{
"docid": "219825e9f65a262e7eeab06b83097b17",
"text": "The banks see small apartments as a higher risk because usually very small apartments are harder to sell, especially during a falling market when there is an oversupply of these apartments. The price of small apartments will also fall a lot quicker in ... | [
{
"docid": "4d9f05f39288a85e40d0d2571f7e15c5",
"text": "\"You are in your mid 30's and have 250,000 to put aside for investments- that is a fantastic position to be in. First, let's evaluate all the options you listed. Option 1 I could buy two studio apartments in the center of a European capital city and r... | fiqa |
51f0c58e7381e7be6fa11b281a240c95 | How should we organize our finances to effectively plan and prepare for an retirement in next 10 years? | [
{
"docid": "af0b1df1287ed9403409abff8d5d9e1c",
"text": "Wow! First, congratulations! You are both making great money. You should be able to reach your goals. Are we on the right track ? Are we doing any mistakes which we could have avoided ? Please advice if there is something that we should focus more int... | [
{
"docid": "9260b267d593f6be555fafa6752bc74e",
"text": "Part of the difficulty in this sort of planning is that you are also betting on future tax rates and comparing them with current taxes. If you are in a low tax bracket now, but expect to be in a higher one when you take the money out, it is better to ... | fiqa |
21ad90087a78e70ca43479e5b1545d6d | How to properly collect money from corporate sponsors? | [
{
"docid": "0559a5f8e99aaed4115bf99f13583c7b",
"text": "http://www.legalzoom.com/business-management/starting-your-business/turn-your-calling Answering this, but I expect an expert to give an answer with some insight too There are many more steps, but not having done them personally I suggest you read the l... | [
{
"docid": "159ebc98bb6fd24aa4857ed919b18228",
"text": "Do I report it as income? Is it subject to just the same amount of taxes (~30%) as regular income? Are there any restrictions on how it can be used? It is income. You can deduct the costs of maintaining the web page and producing the software from ... | fiqa |
da5a21fc8b05954eaccf4b92aab5a0d6 | What could a malicious party potentially achieve by having *just* a name, account number, and sort code? | [
{
"docid": "f0eb89b0e9bf01c21aaade926811a1db",
"text": "I think the answer to this must differ from country to country. I have lived in several countries where the normal everyday way of making a payment is to instruct my bank to transfer the money to the recipient's account. Of course this means I must k... | [
{
"docid": "1106f53035aa74ff20d51f8c9d233ccc",
"text": "\"No, the best you can do is (probably) determine the bank, from the sort code. using an online checker such as this one from the UK payments industry trade association. Revealing the name of an account holder is something the bank would typically requ... | fiqa |
78cc8f07814199ac73765cfec0f27580 | Return of value to shareholders in an ISA | [
{
"docid": "87f8e0738c74836e43eeeb1cf7f36494",
"text": "\"You will receive a combination of Verizon shares and cash whether you chose option B or C. Option B means that your \"\"Return of Value\"\" will be treated as capital - ie: as a capital gain. Option C means that your \"\"Return of Value\"\" will be t... | [
{
"docid": "5a9a5dcc1532513df50baedcb611b3ce",
"text": "Thanks for the answer/comments! The time-based method was something we mooted and something I almost went with. But just to wrap this up, the method we settled on was this: Every time there is an entry or exit into the fund, we divvy out any unrealised... | fiqa |
e37395b0759c47f1512aa39b026d0bee | How much cash on hand should one have? | [
{
"docid": "6b804ef09f486798a3503be8d5ce1a1e",
"text": "You seem to have a grasp of the basic principles involved, but your estimation of the risk you are taking seems a bit low. Your non-investment reserves are unlikely to cover your expenses for more than a month, so the chance that you would need to sell... | [
{
"docid": "559926fa2f62e66aaf0c0144d3b5aabb",
"text": "Find a good commercial bank in the us, or almost any bank in Canada, and exchange cash. Or use an ATM card in Canada; the surcharge is often minimal. (Check with your bank before traveling). You may or may not get a good exchange rate from your hotel d... | fiqa |
f5f6d1d0953b60ccc708e014f5fa5ca8 | Will my current employer find out if I have a sole proprietarship/corporation? | [
{
"docid": "44196971486774a06269824b9d7d37f4",
"text": "Tell your employer during your initial contract Terms of Service discussions. Ordinarily, this is boilerplate but you should ask for a rider in your contract which says - in some form - I already have IP, I will continue to work on this IP in my own t... | [
{
"docid": "268e69dc5931c26a823eba881d202228",
"text": "Conceptually, the entries are: Yes. And since you're the sole owner, your basis will equal to the equity balance on the balance sheet. Keep in mind the book and tax basis will probably be different, so you may want to keep a separate calculation to t... | fiqa |
6c526b004a7393dd0a8075b3ee90243d | What should I consider when factoring fluctuating exchange rates into risk/return of overseas stock trading? | [
{
"docid": "7e2700c8f97122b868a4a0ebfbcc9257",
"text": "Which of these two factors is likely to be more significant? There is long term trend that puts one favourable with other. .... I realise that I could just as easily have lost 5% on the LSE and made 5% back on the currency, leaving me with my original... | [
{
"docid": "db7a27bf0afb30d12a004f760578f6a8",
"text": "\"is there anything I can do now to protect this currency advantage from future volatility? Generally not much. There are Fx hedges available, however these are for specialist like FI's and Large Corporates, traders. I've considered simply moving my fu... | fiqa |
92233c2f364561c403d7475a07d95881 | How to send money from europe to usa EUR - USD? | [
{
"docid": "9e7ade037d44f4b9595d38d7ea099389",
"text": "The website http://currencyfair.com/ provides a service which gives you both a decent exchange rate (about 1% off from mid-market rate) and a moderately low fee for the transfer: 4 USD for outgoing ACH in the US, 10 USD for same-day US wire. For the re... | [
{
"docid": "7402ad5fe06144d975d78da88844f93d",
"text": "If you are a Russian citizen a much easier and common solution would be a USD or EUR withdrawal from your Webmoney account to your Cyprus bank account. You will need to create a Webmoney account (www.webmoney.ru), get a primary certificate in your loca... | fiqa |
4aee3383ae3da8c096303c30452512a6 | Good book-keeping software? | [
{
"docid": "eac19c1373a32c96cbcee5fa90b8b640",
"text": "You can try Wave Accounting. Its a free software for Small Business and web-based. http://waveaccounting.com/",
"title": ""
},
{
"docid": "b32304b701b8d58dafd682346da54418",
"text": "The short answer is that there are no great personal ... | [
{
"docid": "6227665539adcf4ff59654255a8cf00c",
"text": "\"You Need A Budget is a nice budgeting tool that works on the desktop. It is more focused on manual entry and budgeting over auto-downloading and categorizing. It does support downloading transactions from banks and then importing the transaction ... | fiqa |
8cecc82357637ad8c45c92c515d27b41 | Can I write off time I spent working on my business? | [
{
"docid": "77ab62b35ae2e993a581105bd61da212",
"text": "To expand a little on what littleadv said, you can only deduct what something cost you. Even if you had done volunteer work for a charity as a sole prop you could only deduct your actual costs. If you paid an employee to do charity work or to learn som... | [
{
"docid": "2b3eb961fe4796f80757fdd694888379",
"text": "IRS Publication 463 is a great resource to help you understand what you can and can't deduct. It's not a yes/no question, it depends on the exact company use, other use, and contemporaneous record keeping.",
"title": ""
},
{
"docid": "e3cd... | fiqa |
4677af8847450916dac0d3933f4f46cd | How should I report earning from Apple App Store (from iTunes Connect) in Washington state? | [
{
"docid": "3e29685e4fc19ff48e0634c8621dfe68",
"text": "If you're waiting for Apple to send you a 1099 for the 2008 tax season, well, you shouldn't be. App Store payments are not reported to the IRS and you will not be receiving a 1099 in the mail from anyone. App Store payments are treated as sales commiss... | [
{
"docid": "6bd9d272d2c1f443beb8f7f2851e50c7",
"text": "\"(Selling apps is AFAIK business, not freelancing - unless the type of app you produce is considered a freelancing subject. The tax office will give you a questionnaire and then decide). As Einzelunternehmer, you can receive the payments for the apps... | fiqa |
7bea26a08ccd1aaf5e5f02e5f3e8a9cf | Washington State tax filing extension? | [
{
"docid": "7691b04c045df57a892e781356f4004f",
"text": "Washington State doesn't have a state income tax for individuals, so unless you've got a business there's nothing to file. Find out more on their website.",
"title": ""
}
] | [
{
"docid": "0dbe615376361cbe5aee13c01dac142b",
"text": "\"Hearing somewhere is a level or two worse than \"\"my friend told me.\"\" You need to do some planning to forecast your full year income and tax bill. In general, you should be filing a quarterly form and tax payment. You'll still reconcile the year... | fiqa |
9f630f6fe3006193207f7c682f2d18df | Freehold and Leasehold for Pub/Bar? | [
{
"docid": "f401316bf718c79216a5e715b1ea07d1",
"text": "\"In the strictest sense of the words, Freehold and leasehold mean what you think they do. Freehold is that you own it outright and leasehold is a rental situation. That being said, there are scenarios like what Peter K. mentioned in his comment, where... | [
{
"docid": "3b4a71f1757cedfab7de46ccf168bda1",
"text": "Alas, institutions do not always act rationally, and being an outlier by never having debt may be bad enough. Therein is your problem. The question, then, is do you want to do business with institutions that are not acting rationally? While I cannot sp... | fiqa |
d603d7dde3aa7adbc08c0bfa4224d6ac | I'm 13. Can I buy supplies at a pet store without a parent/adult present? | [
{
"docid": "8ee780dd1a6ef64417b8857af8fb420c",
"text": "As long as your money is green and you aren't buying something prohibited to youngsters (booze, cigarettes, etc.) I doubt any store is going to refuse your business.",
"title": ""
},
{
"docid": "f511c3683463a075319f88336ebbc10e",
"text"... | [
{
"docid": "f0f03a51195c7a3e05197239cbb59377",
"text": "Buy something from Nordstrom, then return it and ask for cash. They may ask for your ID. Nordstrom's return policies are very lax and they will almost always give cash when asked for, sometimes even if you don't have the receipt.",
"title": ""
}... | fiqa |
7db4a3cc86788445c3d7f8b76b6cd414 | Is This A Scam? Woman added me on LinkedIn first, then e-mailed offering me millions of dollars [duplicate] | [
{
"docid": "1d6996c28689896be1cbbb0f340c6a87",
"text": "Yes. If you reply back, they'll confirm that Uncle Alex did indeed leave you $7 million, and you just need to send them a few thousand dollars for taxes and estate fees and then they'll wire you the money. And then there'll be customs fees. And then... | [
{
"docid": "cf189bbfcf5cd1c6c0ed854c5b9c2ee9",
"text": "\"This is definitely a scam. My husband was inquiring with a \"\"company\"\" that was offering him to be. Representative for them. He got the same job details but the company was called Ceneo. I did due diligence and found that the real Ceneo has no pr... | fiqa |
722457e44afbdd6cc0a4236392812457 | What forms of payment am I compelled to accept? | [
{
"docid": "f92d29b145907a0e067d913ff84eeed4",
"text": "\"The confusion comes from ambiguity in popular belief -- that businesses are required to accept x_y_x as payment. In reality, a business can state the terms of a transaction to their pleasure. On the other hand, debt is different -- no lender can refu... | [
{
"docid": "6deab0b0a73d54fc96fce6a32d886ccb",
"text": "I'm not a lawyer, and am certainly not familiar with your jurisdiction, but the general guidelines I've seen around this kind of situation are: If all else fails, you could just cancel the card, though I'm not sure what liability you have to honour the... | fiqa |
8475ebe13c509823a70a3162fc5b6ea3 | What happens if a purchase is $0.02 in Canada? | [
{
"docid": "ed7216d70ae4bad46de9d20e5d88ca18",
"text": "As someone who works for a company that deploys POS systems in Canada, I can tell you that your best bet would be to have a configuration option that lets the client decide what to do. If they have a business practice that would allow for a sale total ... | [
{
"docid": "1a404654ead22b2255f0566d521035db",
"text": "\"@sdg's answer is spot-on with the advice to avoid repeated conversions, but I'd like to provide some specifics on the fees involved: Each time you round-trip Canadian dollars (CAD) through a U.S.-dollar (USD) priced security at TD Waterhouse and leav... | fiqa |
31536700d8e8e02e59f46cfa10931c51 | Is a website/domain name an asset or a liability? | [
{
"docid": "7b8f26b9c664f83164a67fe7323ab686",
"text": "\"This depends on your definitions of assets and liabilities. The word \"\"asset\"\" has a fairly straight forward definition. Generally speaking, an asset in finance is something that you own/control that has economic value. The asset has value beca... | [
{
"docid": "f83e907fd4c969acb36a4db865744b4d",
"text": "I've read over these responses like a dozen times. It's really cool hearing from a business owner who has experienced things first-hand. Nobody in my family has ever been or known anything about business/stocks/Anything. I'm learning everything from th... | fiqa |
c90a610ca490a15bcf44c0ffa6959715 | Uncashed paycheck 13 years old | [
{
"docid": "bbf0bca0b4f5691d503ffa0bcb7eaca7",
"text": "Under US law, a bank is not obligated to honor a check that is more than six months old. § 4-404. BANK NOT OBLIGED TO PAY CHECK MORE THAN SIX MONTHS OLD. A bank is under no obligation to a customer having a checking account to pay a check, other than a... | [
{
"docid": "a3cfcbf32f2dfe015d7fbd95f4506a79",
"text": "I wish I could up vote your comment more. I think that a lot of people do not understand that kids held minimum wage jobs that paid minimum wages, but adults received more money. At some point kids stopped working as much and adults kept or took over w... | fiqa |
515878210bfb9735281b3cd2bcbb7be1 | Tax benefits of recycling | [
{
"docid": "6d7a39e18fe7359a500344b8b5016f82",
"text": "If they charge a fee to accept an item, it's reasonable to assume the item has insignificant value, so the only tax-deductible bit would be the money you donated to their charity. What you describe sounds like a fee for service, not a charitable donati... | [
{
"docid": "2b56498bf511fe7fa1d202fb2eff296a",
"text": "This will always be the case unless the tax relief is more than the expenditure, which it never is. There are some ways in which this can become worth it: if the thing you are spending the money on would actually be useful, of it you might be able to s... | fiqa |
e92c69de6712690a238ab5b1c880ec59 | If a country can just print money, is global debt between countries real? | [
{
"docid": "b12b0aabd80cb5c2609e5f39ae7a7ad3",
"text": "The debt is absolutely real. China loans money to US via buying the US treasury bonds. The bond is essentially a promise to pay back the money with interest, just like a loan. As you point out, the US can print money. If this were to happen, then the U... | [
{
"docid": "9a6362547ac6859733c2e74e823f56da",
"text": "Japan printed 11 trillion yen on Monday. They do this by monetizing their own debt. The increase in the supply of yen affects the value of the currency. Strange thought, I know. Greece has an economic crisis because they were borrowing at rates tha... | fiqa |
b64683f2e01788d90f6dd6137c938f5e | How are investment funding valued when invested in a company before it goes public? | [
{
"docid": "87b5c999ab6c956258894265f2a2b654",
"text": "This is a question of how does someone value a business. Typically, it is some function of how much the company owns, how much the company owes, how risky is the company's business, and how much the company makes in profit. For example if a company (... | [
{
"docid": "b77ce1eda52bbf046d67670793dc2e8d",
"text": "You have a lot of different questions in your post - I am only responding to the request for how to value the ESPP. When valuing an ESPP, don't think about what you might sell the shares for in the future, think about what the market would charge you f... | fiqa |
39c87d91d52668d6dafc4f59ae9dadf1 | How to manage 20 residential apartments | [
{
"docid": "4947e3208e0f0fd6a510771e77a0b9e3",
"text": "If he can't manage, best is he sells it off. Its easier to manage cash. Not sure what tax you are talking about. He should have already paid tax on fair market value of the 20 flats. If the intention of Mr X is to gift to son by way of death, then yes ... | [
{
"docid": "4ac2c64ce70259bde39978411a151518",
"text": "\"with 150K € to invest to \"\"become a landlord\"\" you have several options: Pay for 100% of one property, and you then will make a significant percentage of the monthly rent as profit each month. That profit can be used to invest in other things, or... | fiqa |
408261340dbd7bb14145fd4b69dccf5b | What types of careers consistently make the most money entering with no background or social skills? | [
{
"docid": "de739c66d71c43b7ed7b810b9d702bc1",
"text": "\"You may think it sucks to have learned a crap ton of category theory, which is seemingly useless outside of academia, but have you considered picking up a \"\"functional\"\" programming language, e.g. Haskell? How about Java or, more recently, Scala... | [
{
"docid": "d8215c6954706a094273f3a834a35d61",
"text": "I went through a very self damaging phase in my teens and wound up having to get a GED. I eventually followed it up with a punt for college and got a 2yr Assoc in Business. When I finally got my head out of my ass around my 30s, I realized how much I w... | fiqa |
5a5f8ad3288f2cb621f7ca5831446fbe | Is it possible to get life insurance as a beneficiary before the person insured dies? | [
{
"docid": "32fc43e946560f7aece913aec3c0d849",
"text": "I recall the following business from the AIDS crisis: viatical settlement But because there were life-extending treatments developed in the 1990s, many third parties which engaged in these took a bath and it's not as common.",
"title": ""
},
{
... | [
{
"docid": "3393f7c349cd30df4749a2c59947f9ae",
"text": "To add to JoeTaxpayer's answer, the cost of providing (term) life insurance for one year increases with the age of the insured. Thus, if you buy a 30-year term policy with level premiums (the premium is the same for 30 years) then, during the earlier y... | fiqa |
061c0dc2a613e931658f0fd7d66b3abe | Is Bitcoin a commodity or a currency [duplicate] | [
{
"docid": "85e79ba38e7a9b761ad1d0665011ddf6",
"text": "It has properties of both. Tax authorities will eventually give their opinion on this. Through its properties of finite quantity, fungibility, and resistance to forgery/duplication, it acts as a commodity. It can be sent directly between any two par... | [
{
"docid": "4f64ef46bb0260c8b78aaf58038bcb06",
"text": "Mining is income at the value at time of earning, I would use an index like XBX to determine price. Asset appreciation is capital gains. These aspects of crypto-assets are not a gray area in the US financial sector, and have been addressed for almost h... | fiqa |
845ab8934380957a988f8a0aae7842aa | When filing a US 1065 as a General Partnership, do we combine our expenditures for a home office? | [
{
"docid": "ce475229839fec15efb664cd7ad7ac50",
"text": "Your home doesn't belong to the partnership, it belongs to you. So you can (if qualified) deduct home office usage as a business expense on your individual tax return. Same goes to your partner. Similarly any other unreimbursed expense.",
"title": ... | [
{
"docid": "122f3058c852e263c160735fb876b210",
"text": "No. The equipment costs are not necessarily a direct expense. Depending on the time of purchase and type of the expenditure you may need to capitalize it and depreciate it over time. For example, if you buy a computer - you'll have to depreciate it ove... | fiqa |
d7bd264b364d26af0addde05bf39811a | ACH processing time of day | [
{
"docid": "9f62569be9b7c332637d6eeed835ddb2",
"text": "It depends on the bank and network. Banks are to provide outgoing data at the certain time for the processing by the central clearing house (the Federal Reserve system, for ACH), which then distributes incoming data back to the banks. All this has to b... | [
{
"docid": "1c4a0bcd6ec884cb4e38e9035f7e5ffb",
"text": "I haven't used it in years, but look at GnuCash. From the site, one bullet point under Feature Highlights:",
"title": ""
},
{
"docid": "3c36672b381c86276903fa1f9237200e",
"text": "I was recently at the National Physical Laboratory in th... | fiqa |
f5a93c1bafe0831a70b23d6c123b5339 | Is it possible to borrow money to invest in a foreign country? | [
{
"docid": "230984d1dc54df5eba50d8d40e9b1046",
"text": "Most likely, this will not work they way you think. First things first, to get a loan, the bank needs to accept your collateral. Note that this is not directly related to the question what you plan to do with the loan. Example: you have a portfolio of ... | [
{
"docid": "10ac79d2ac6be5c20574e7d20547be22",
"text": "\"You have a few correlated questions here: Yes you can. There are only a few investment strategies that require a minimum contribution and those aren't ones that would get a blanket recommendation anyway. Investing in bonds or stocks is perfectly pos... | fiqa |
30bdb0a25e6ed8589cf83decfaec8d3c | If accepting more than $10K in cash for a used boat, should I worry about counterfeiting? | [
{
"docid": "91ed2d056035a79ad74f3396e1a59ddc",
"text": "When you operate outside of the law, you bear the risks of that decision. When you operate within the law, you have a number of avenues, such as the courts and police to mediate disputes or other problems.",
"title": ""
},
{
"docid": "39a4... | [
{
"docid": "d4acc1a9edb2c7a9f30e843af3b6bbcf",
"text": "I wouldn't say this is a lie. Person 2 just made themselves the offer of 38k. If it sells then they were outbid. If it doesn't sell then they're stuck with the asset as if they had bid themselves. They're paying themselves, or they're representing ... | fiqa |
f612eb51ee229c7d190a5c583f9e2616 | How does a Non US citizen gain SEC Accredited Investor Status? | [
{
"docid": "8730be753a1406fab4444dcbb40296f3",
"text": "Here are the SEC requirements: The federal securities laws define the term accredited investor in Rule 501 of Regulation D as: a bank, insurance company, registered investment company, business development company, or small business investment compan... | [
{
"docid": "6e9ebc57e4df203c6ab584cc9e5ec0ed",
"text": "\"First of all, the annual returns are an average, there are probably some years where their return was several thousand percent, this can make a decade of 2% a year become an average of 20% . Second of all, accredited investors are allowed to do many... | fiqa |
2601205e830a2a1f70f1325bac738058 | How can I find a lost 401K from a past employer? | [
{
"docid": "4217f4b58b17bf01e6deb8e2a43bf894",
"text": "The Employee Benefits Security Administration within the US Department of Labor is tasked with keeping track of pension and 401K programs. The even have a website to search for abandoned plans: it helps participants and others find out whether a partic... | [
{
"docid": "7ce5540b10329f97641f466f7f7df5df",
"text": "If they leave the extra funds in the account the IRS will consider it as employer match. They weren't funds from your paycheck, they were from the employers profits. Because they don't have a formal matching program the extra funds will still keep then... | fiqa |
fac503b6fec088897ba8c0b188ea100d | How can small children contribute to the “family economy”? | [
{
"docid": "f6565dd0aa33decf3ce5cdb619b40921",
"text": "Another suggestion I heard on the radio was to give the child the difference between the name brand they want, and the store brand they settle on. Then that money can be accumulated as savings. Saving money is as important a feature of the family econ... | [
{
"docid": "4cda418d37f637ca634dd67e846e44ef",
"text": "We are a pretty average (professional, used to be fully two-income) family. I have gone part-time (plus a total career change) to be more involved at home - that's minus 50K from our family budget a year. Montessori for the younger one is - 10K. Violin... | fiqa |
5c351c4d77761a0c99ec477c69e50156 | Why can't 401(k) statements be delivered electronically? | [
{
"docid": "286f3c2c2f1e29bc738069cc7684932a",
"text": "\"There are a lot of unintended consequences of fairly arbitrary IRS guidelines when it comes to 401Ks, they both close and create tons of loopholes and many companies are left to implement their own policy around these laws. Ultimately what you are le... | [
{
"docid": "da87ad09f8ea417326955b272c8086e8",
"text": "\"To answer, I'm going to make a few assumptions. First, the ideal scenario for a pre-tax 401(k) is the deposit goes in at a 25% tax rate (i.e. the employee is in that bracket) but withdrawn at 15%. This may be true for many, but not all. It's to illus... | fiqa |
d0a82dcf9061af060c7d549d02fffd07 | Employer-Paid relocation as taxable income? | [
{
"docid": "61ca24fc9ed4a1d70bc253d5905a22d6",
"text": "\"If all of the relocation expenses are paid by your employer to the moving companies, then you should not have any tax liability for those payments. Relocation expenses should be treated as normal business expenses by your employer. Note I emphasize \... | [
{
"docid": "7156a9fde48c1a3aec096bab435c99e9",
"text": "Yes, you can do what you are contemplating doing, and it works quite well. Just don't get the university's payroll office too riled by going in each June, July, August and September to adjust your payroll withholding! Do it at the end of the summer whe... | fiqa |
9d0b11a59c90156f686d00b1d2bb5cfb | Why do car rental companies prefer/require credit over debit cards? | [
{
"docid": "fbb06dfe9438008cec5777b6f5f7541c",
"text": "A hotel can accept the debit card because each night they can withdraw the money. If you don't have sufficient funds they can instantly lock you out of your room. They an also limit your ability to access room service, and other extra expensive options... | [
{
"docid": "3eceb7f45d453ce6dae1a02a88cab370",
"text": "\"I worked for a major car rental company (not Hertz, but comparable) for quite a while, taking reservations by phone. I completely agree that the reservation system is terrible, and is only vaguely based on the reality of their vehicles in stock at be... | fiqa |
f117970f905f4390fa4a9635f454a929 | Form 1040 - where to place my stipend? | [
{
"docid": "a403d7de68675f08817c02e9104ea567",
"text": "If you're correct that it's not taxable because it's non-taxable reimbursement (which is supported by your W-2), then it should not go on your 1040 at all. If it is taxable, then it really should have appeared on your W-2 and would probably end up on ... | [
{
"docid": "c2796ecbc91f8c0146494e2f952bc726",
"text": "\"Well a definitive answer would require a lot of information. Instead of posting that kind of info online, you should take a look at the instructions for Form 2210 and in particular \"\"Schedule AI -- Annualized Income Installment Method,\"\" which c... | fiqa |
a1c56f1a8ba343ef6bb510b62d7c5f95 | What funds were closed during or after the recent recessions? | [
{
"docid": "8d9810fb83e7253b932c4b16a16d9e55",
"text": "\"Yes, many hedge funds (for example) did not survive 2008-2009. But hedge funds were failing both before and after that period, and other hedge funds thrived. Those types of funds are particularly risky because they depend so much on leverage (i.e. ... | [
{
"docid": "5332ab4fcf9969669a3adebdc5e92194",
"text": "\"Bloomberg suggests that two Fidelity funds hold preferred shares of Snapchat Inc.. Preferred shares hold more in common with bonds than with ordinary stock as they pay a fixed dividend, have lower liquidity, and don't have voting rights. Because of t... | fiqa |
3d58c929c12a52c736c048f6b1c6ab1e | Are there any countries where citizens are free to use any currency? | [
{
"docid": "cda9331c5800927240653668f7334abc",
"text": "\"Wikipedia has a list of countries which ban foreign exchange use by its citizens. It's actually quite short but does include India and China. Sometimes economic collapse limits enforcement. For example, after the collapse of the Zimbabwean dollar (... | [
{
"docid": "cbf4a5de9f84ac8dfd484389fa250ed0",
"text": "\"Currently, there is simply no reason to do so. It's not a problem. It is no more of a problem or effort to denote \"\"5,000\"\" than it is to denote \"\"50.00\"\". But if there were a reason to do so, it wouldn't be all that difficult. Of course ther... | fiqa |
10db78204904ddc7fd78fac0ccd2c134 | Understanding taxes when buying goods at a store | [
{
"docid": "f46621f62cc31e011575311e7e421eba",
"text": "\"Grocery food is not subject to sales tax in Maryland, but some food is taxed depending on category or preparation. So you must have had a combination of grocery and taxable foods. One of the cheaper items you purchased was subject to a whopping penny... | [
{
"docid": "d6a98d3d7c90ccb8fe872ecdb9013ed4",
"text": "According to the New York State Department of Taxation and Finance, your service would appear to be exempt from taxes. However, if you are charging for tangible items, those would incur a sales tax.",
"title": ""
},
{
"docid": "974ed9da6e3... | fiqa |
b5c4a2dca3d95b434629931c44b3325a | The Canadian dividend tax credit: Why is it that someone can earn a lot in dividends but pay no/little tax? | [
{
"docid": "249fd2f459eaf89b1886dd47a39b8995",
"text": "Basically, yes. That doesn't mean that it's easy to do. The government provides a dividend tax credit since an individual takes on more risk to invest in dividend-paying corporations rather than trading their human capital for an income. Thus, for the ... | [
{
"docid": "521df5e113f22567afd3acdd292d5b3f",
"text": "It comes down to the practical value of paying dividends. The investor can continually receive a stream of income without selling shares of the stock. If the stock did not pay a dividend and wanted continual income, the investor would have to continual... | fiqa |
ca0f426fee09a97efa945aeb3861353c | Overpaid Rent Owed By Real Estate | [
{
"docid": "99bac0c170cb9ce7d1c34f2e19203152",
"text": "Have you tried complaining to the Real Estate Institute in your state, and if that doesn't work try taking them to Fair Trading. I know from doing some work for real estates that getting money from them is like getting blood from a stone, but you just ... | [
{
"docid": "d531e6c8919ffe0ead8462feb2aba3db",
"text": "I wouldn't start a bidding war if I were you. Sometimes you may get potentially bad tenants who cannot find a property anywhere else offering more money just to get in a place. If you know nothing else about these people how can you guarantee they will... | fiqa |
1f4fc02a1c990eb516299103018e5265 | How to transfer money to yourself internationally? | [
{
"docid": "29e0d619dd0009cb1e01b506531c63ad",
"text": "Hmmm... As far as I know wire transfers are still the best option. If you make sure your US account accepts international wires for free (like TD Bank does) you'll have eliminated most of the costs (assuming your foreign bank doesn't charge too much fo... | [
{
"docid": "97d71f0aa71ee30780c8ca0195c66503",
"text": "To transfer US$30,000 from the USA to Europe, ask your European banker for the SWIFT transfer instructions. Typically in the USA the sending bank needs a SWIFT code and an account number, the name and address of the recipient, and the amount to transf... | fiqa |
7375cb9dc5717879e046ec07be18a96b | Bringing money to UK for investment purposes | [
{
"docid": "9ad90a43dbbddabdd2b952044b0237b6",
"text": "Transfers of money to the UK for any purpose are not generally taxed, so you can just transfer it here and invest. Once the money is here, you'll be taxed on the business activity like anyone else - the company will have to pay corporation tax, and dep... | [
{
"docid": "b528f2b68ccc47dd8e86323231c148b1",
"text": "\"No. This is too much for most individuals, even some small to medium businesses. When you sell that investment, and take the cheque into the foreign bank and wire it back to the USA in US dollars, you will definitely obtain the final value of the i... | fiqa |
62fe2b2f587b04af0b9512a0ce165194 | Does an employee have the right to pay the federal and state taxes themselves instead of having employer doing it? | [
{
"docid": "6e823a2231fe80ac405b0c2fe35a9cf4",
"text": "You can file a revised W-4 with your employer claiming more allowances than you do now. More allowances means less Federal tax and (if applicable and likely with a separate form) less state tax. This doesn't affect social security and Medicare with hol... | [
{
"docid": "b17812fbcc51ba2eaa7f18c455796b30",
"text": "Should I have a W-2 re-issued? A W-2 can be corrected and a new copy will be filed with the IRS if your employer incorrectly reported your income and withholding on a W-2 that they issued. In this case, though the employer didn't withhold those taxes, ... | fiqa |
fc22eb72fb7a54e1f3bad44f41372044 | Do my parents need to pay me minimum wage? | [
{
"docid": "6218612dc59b0980c2ead70ffc9ac90c",
"text": "Yes they do. Here is the main page on minimum wage for the province of British Columbia. This page lists exemptions from BC minimum wage laws, but there are none for working in a family business, or for being underage. Students are exempted only if th... | [
{
"docid": "d309c1285c4ff1de58ed745230afc016",
"text": "The problem is not just the minimum wage. It's that the minimum wage is not enough to live on, and yet it's simultaneously extremely difficult to earn more than minimum wage if you're trapped in the cycle of earning minimum wage and spending all your m... | fiqa |
48d7183ca933cc7c7ab05798a2112876 | Tracking my spending, and incoming and outgoing (i.e cashflow) | [
{
"docid": "faef59d5875f40e992a989808dd55827",
"text": "Systems to research that may help you out: Less Accounting and Wave are great because they can import data from banks / credit cards. I know you said your bank doesn't export it but it seems like something as a small business you would want.",
"tit... | [
{
"docid": "0507b77c98c3fcf6da71fa48b8d2b9c8",
"text": "My bank will let me download credit card transactions directly into a personal finance program, and by assigning categories to stores I can get at least a rough overview of that sidd of things, and then adjust categories/splits when needed. Ditto check... | fiqa |
a687a094427d9471f2af9372109453a2 | 1040 or 1040NR this time? | [
{
"docid": "1e9be9267b7d796c28f93fb7647721d8",
"text": "\"1040 or 1040NR depends on whether you are a resident alien or nonresident alien -- 1040/1040A/1040EZ for resident aliens, and 1040NR/1040NR-EZ for nonresident aliens. Determining whether you are a resident is somewhat complex, and there is not enough... | [
{
"docid": "c976275b07f08beafa961ce161e4872b",
"text": "NRE is better. It's a tax free account, exempt from income tax. NRE account is freely repatriable (Principal and interest earned) while the NRO account has restricted repatriability",
"title": ""
},
{
"docid": "856888a2499d8ea27cb454ac4c6e0... | fiqa |
098344be07def21b293377287443a36e | Are there any benefits of FMLA beyond preserving your job? | [
{
"docid": "66f90d0fc6804953b4c245195b40a168",
"text": "How will your employer treat your pay and benefits status while you're on leave? Disability income coverage and leave policies work in tandem to solve very different problems. Disability income coverage covers your income, leave policies guarantee y... | [
{
"docid": "8528836692ef2f383dfe4333371524a4",
"text": "No, but they do have a moral obligation to give the employees that stay commensurately for the share if productivity. If a company had 100 clerks, and fired 90 with the introduction of computers, shouldn't there be a somewhat balanced share of those ... | fiqa |
13f13bf569fcd55b72f8f719e7c86276 | “Debt Settlement Order” Text Spams – How do they work? | [
{
"docid": "6dab9d3aa01fd09de0f45339785fb7f0",
"text": "\"There are likely to be two approaches: An autodialer of any description would be more than capable of sending an SMS or initiating a direct telephone call with any set of telephone numbers. Such autodialiers can run off a personal computer via VoIP ... | [
{
"docid": "7f38ebc3c2705a7f4104fe2406963d63",
"text": "This sounds like a shady trick. I would consult with a consumer debt lawyer in your area. Most county bar associations in the US have a referral service, where they recommend a local lawyer and there is a reduced fee for the initial visit. I think the ... | fiqa |
965b6a556595afe9d7101e757955a877 | 2 houses 450k each or one 800k? | [
{
"docid": "9dcde1f44c58e9694cf6dd845c37d03b",
"text": "Having someone else paying you rent is always going to be the better deal financially. The question is, what does $450k buy in the neighborhood in which you want to live, vs $800k? I'm going to assume you can afford either option (buying a $450k home a... | [
{
"docid": "35d19da976c557e53da33983f6993199",
"text": "I live in suburban Washington DC. The houses in my old neighborhood that used to sell for $500K to $600K were renting for about $2,500 because that's all the market could bear. My mortgage was about $3,100 but I could never have rented it out for th... | fiqa |
94252672c382371c469ac5222b62e486 | What are the costs to establish an LLC and to maintain it? | [
{
"docid": "8bee88c03ff8c758403ac1e82e9afc43",
"text": "The cost will be around $300-$500 if you do it correctly it in Florida and can be over a $1,000 if you do it in New York (New York is more expensive due to a publication requirement that New York has for LLC’s). The price ranges I’ve given include fil... | [
{
"docid": "2412c5cd1130f007f6f068e6b280e2b3",
"text": "\"You're confusing so many things at once here...... First thing first: we cannot suggest you what to do business-wise since we have no idea about your business. How on Earth can anyone know if you should sell the software to someone or try to distribu... | fiqa |
bc0125dd2bdb71846e58ebc7aa687d45 | Is it sensible to redirect retirement contributions from 401(k) towards becoming a landlord? | [
{
"docid": "9b9b6bd0da39b12ed4ac17e04daefd67",
"text": "\"Here are the issues, as I see them - It's not that I don't trust banks, but I just feel like throwing all of our money into intangible investments is unwise. Banks have virtually nothing to do with this. And intangible assets has a different meanin... | [
{
"docid": "9c6049b7f0f02c8b3d88fd94a38a84ea",
"text": "I kind of hate piling on with another opinion, but this is too long for a comment. I did what you are thinking of doing, I would at least try renting it for a couple years so long as: The primary risks of renting are mostly related to unexpected costs ... | fiqa |
4fb84aac7b6078eaa11ec13c19956bfe | How to report Canadian income from a small contract job? | [
{
"docid": "e78b35365288cf3823c4ae0b5e8b957f",
"text": "\"It's pretty easy. In the Interview Setup for Ufile, check the box for \"\"Self-employment business income\"\". Then during the process of filling everything out, you'll get a Self-Employment screen. It'll ask for the name of your business, but just p... | [
{
"docid": "4f23189bc5ab93bc85fe590c711b5301",
"text": "If you want to subcontract some of your excess work to somebody else, you better be in business! While some kinds of employees (e.g. commissioned salespeople) are permitted to deduct some expenses on their income tax, generally only a real business ca... | fiqa |
ac532e838088bc52390e4ca57f0b0bfe | What is value investing? What are the key principles of value investing? | [
{
"docid": "69e391d3a97df557994cd37dac75471a",
"text": "Value investing is an investment approach that relies on buying securities below their intrinsic values. There are two main concepts; one is the Intrinsic Value and the other is Margin of Safety. Intrinsic value is the value of the underlying business... | [
{
"docid": "100c16089b98c6da4bdec9e3d52ba91b",
"text": "\"The raw question is as follows: \"\"You will be recommending a purposed portfolio to an investment committee (my class). The committee runs a foundation that has an asset base of $4,000,000. The foundations' dual mandates are to (a) preserve capital... | fiqa |
187b926919a8119019344e3e62da920e | Why does my bank suddenly need to know where my money comes from? | [
{
"docid": "7d643ed047c1d902947122689b38d25b",
"text": "\"Banks have a financial, and regulational duty called \"\"Know your customer\"\", established to avoid a number of historical problems occurring again, such as money laundering, terrorism financing, fraud, etc. Thanks to the scale, and scope of the pr... | [
{
"docid": "0e961894f3c0026db5bef446d8368b31",
"text": "\"Definitely this. The fact that it's termed \"\"identity theft\"\" is a great PR spin for banks. Someone else is attempting transactions while fraudulently claiming to be you. You did not lose your identity or even a piece of it. You are still fully y... | fiqa |
812eaf33d2177a0a3625240e04bc49b4 | How can rebuilding a city/large area be considered an economic boost? | [
{
"docid": "5251b993f2df61493ab1d3a961a1ff8a",
"text": "\"You are not wrong. This is called the \"\"Broken Window\"\" fallacy in economics. Imagine if 20% of a population was employed to go around breaking windows. This would stimulate the economy as many people would have to be employed to make new window... | [
{
"docid": "7553c50f195a743abb304f1d7a6f6530",
"text": "Until there is a significant price pressure, it’s always going to be cost prohibitive to build high in earthquake prone zones. Those mitigation measures don’t come cheap at all. As for the skyline, eh, that’s subjective. If the local culture values a... | fiqa |
a910c7f2665445b0697b8e173d9b23f4 | Does inflation equal more loans? | [
{
"docid": "661f33e62466e5895f8ac34f2a5ff5c6",
"text": "What is the relationship between inflation and interest rates? notes a relationship between inflation and interest rates that would suggest high inflation would imply higher interest rates that would mean less loans as money becomes more expensive in a... | [
{
"docid": "a329b56b19b8b4fe4427e5efe77c3d45",
"text": "It seems from the Bernanke and pundits in general that there's an ideal inflation rate and it's not zero. When you reference that recessions bring prices down, I think I understand you, but recession does not mean deflation. In fact deflation is a rari... | fiqa |
a70e44b83d880dd5a492895b0a30a657 | PayPal wants me to “add a bank account”, another funding source. Credit card isn't working. Why? | [
{
"docid": "96ffb13a982db73087976ced7d534403",
"text": "I'm guessing that you've reached the value limit of a payment that can be made without linking your account to a bank account. While you want privacy, PayPal wants to not be a money launderer. You may need to seek an alternative way to pay for this if ... | [
{
"docid": "0f1df7e4f7aa6193075c0a9d820d7d96",
"text": "I was having issues with transferring money from my UK bank (HSBC) to my paypal... HSBC was asking for an IBAN code to complete the transaction. I couldn't find an IBAN code listed anywhere on my Paypal acct. What finally solved it for me was when I en... | fiqa |
1d1c7a1eba02966dfc53ca93a621fba1 | Do I have to pay a capital gains tax if I rebuy different stocks? | [
{
"docid": "a75d081940ade1bc317d8a56611a74e2",
"text": "\"Yes- you do not realize gains or losses until you actually sell the stock. After you sell the initial stocks/bonds you have realized the gain. When you buy the new, different stocks you haven't realized anything until you then sell those. There is ... | [
{
"docid": "b71d90f468244b9112ee5d323ffe41af",
"text": "You don't generally pay capital gains taxes until you sell the stock. If you bought it in 2013 and the price goes up in 2014 but you just hold on to the stock, you won't have to pay any taxes on it. If you then sold it in 2015 for a profit, you'd have ... | fiqa |
1d640384067fa7ce3864486d6d2b9b64 | How to gift money anonymously to an individual after collection thru a donation site? | [
{
"docid": "0604ebabe31f6cf99563c6536cfc95aa",
"text": "Regarding the tax implications half of your question ... There seem to be a lot of articles that say there's not yet any established law concerning the tax treatment of crowdsourced funds. Since your objective is gift-giving rather than business purpos... | [
{
"docid": "29804bab79f47aa6d3252357b0decc82",
"text": "\"I would write them a check or give them cash money. There are payment receipt forms available online, you can print one of have them fill it out and sign it. Just google \"\"private party receipt\"\". Money transfer (via bank account or Paypal) is a... | fiqa |
e56dce7a8fae243552c5b332f095ecf3 | Alternative to Jumbo Mortgage | [
{
"docid": "85a12d5a105747afa120837f2fee77ef",
"text": "Yes, banks still offer combo loans, but it is going to depend on the appraised value of your home. Typically lenders will allow you to finance up to 80% loan to value on the first mortgage (conforming loan amount) and 95% combined loan to value on a HE... | [
{
"docid": "bfa0272d5b3a2671dfda9ee449eee319",
"text": "\"littleadv's first comment - check the note - is really the answer. But your issue is twofold - Every mortgage I've had (over 10 in my lifetime) allows early principal payments. The extra principal can only be applied at the same time as the regular ... | fiqa |
ceffddc3b25b377b685620a387e0a477 | Any specific examples of company valuations according to Value Investing philosophy? | [
{
"docid": "59246ae9b4f3f7ec846b8c47640bb308",
"text": "\"I highly recommend http://pages.stern.nyu.edu/~adamodar/ Professor Damodaran. He's written some of the best valuation books in existence (my favorite, simply \"\"Investment Valuation\"\"). On his website you'll find a big pile of spreadsheets, that a... | [
{
"docid": "8399543fe9b611cc89a88cecf78f9c74",
"text": "It's been awhile since my last finance course, so school me here: What is the market cap of a company actually supposed to represent? I get that it's the stock price X the # of shares, but what is that actually representing? Revenues? PV of all future... | fiqa |
9a4c3d10eb66471be4871bc23cae524b | Does Reuters provide the 4pm London Spot rate for currencies? | [
{
"docid": "f07f11ef961fba7897da39b6b1e87f3e",
"text": "The interpretation is correct. The Reuters may give you the London 4PM rates if you query after the close for the day. The close rate is treated as the rate. http://uk.reuters.com/business/currencies/quote?srcAmt=1&srcCurr=GBP&destAmt=&destCurr=USD Th... | [
{
"docid": "d56cf7b2f6193eac92d57bd4a84e4d3b",
"text": "\"The answer to each of your questions is no. It is important to appreciate that the \"\"quoted\"\" ticker price may be delayed by say 15 minutes, and thus is not \"\"real-time.\"\"\"",
"title": ""
},
{
"docid": "f6525fabe5b4facfd715c4d176e... | fiqa |
878b2b8959b4cbe93b44e0411a13322e | How can I make a one-time income tax-prepayment to the US Treasury? | [
{
"docid": "dd96b5b2a38b28fa6a4a9581dda69b19",
"text": "\"You can make estimated tax payments on Form 1040-ES. Most people who make such payments need to do it quarterly because the typical reasons for making estimated payments is something like self-employment income that a person will get throughout the ... | [
{
"docid": "7156a9fde48c1a3aec096bab435c99e9",
"text": "Yes, you can do what you are contemplating doing, and it works quite well. Just don't get the university's payroll office too riled by going in each June, July, August and September to adjust your payroll withholding! Do it at the end of the summer whe... | fiqa |
4d8ac841b2c504de46d78d0641b40d12 | Do altcoin trades count as like-kind exchanges? (Deferred capital gains tax) | [
{
"docid": "3e22751def8b89bb10e4d0bed0c140c5",
"text": "\"In June 2016 the American Institute of CPAs sent a letter to the IRS requesting guidance on this question. Quoting from section 4 of this letter, which is available at https://www.aicpa.org/advocacy/tax/downloadabledocuments/aicpa-comment-letter-on... | [
{
"docid": "e4400a7636443a8fdf6a27512a0d7910",
"text": "I would think you need proof that you actually bought it when it was cheaper, but that's a guess. You are supposed to pay the capital gains tax on bitcoin gains, same as if you made money on a stock https://www.google.com/amp/s/www.forbes.com/sites/gr... | fiqa |
74477f435b7914ca348a9548ee590053 | Pros and cons of using a personal assistant service to manage your personal finances? | [
{
"docid": "9f3741441e2ffe131f5a60b552372369",
"text": "Years ago I hired someone part time (not virtual however) to help me with all sorts of things. Yes it helps free up some time. However particularly with finances, it does take a leap of faith. If you have high value accounts that this person will be ... | [
{
"docid": "4eb21a693fbd8bfccffd42ad8ca2d72a",
"text": "I use mint.com for tracking my finances. It works on mobile phones, tablets, and in a browser. If you don't mind the initial hassle of putting in the credentials you use to access your account online, you'll find that you're able to build a comprehen... | fiqa |
823845f3198645d6d96724057bc1c38f | What's the difference when asked for “debit or credit” by a store when using credit and debit cards? | [
{
"docid": "5b341f79c0872469203a249e72a7f18f",
"text": "\"These are two different ways of processing payments. They go through different systems many times, and are treated differently by the banks, credit card issuers and the stores. Merchants pay different fees on transactions paid by debit cards and by c... | [
{
"docid": "6c5de5165e603a04b0787b43b08c245c",
"text": "In most cases, the brand on the card, eg Visa or MasterCard, is a middleman. The company processes the transaction, transferring $xx from the bank to the seller, and telling the bank to debit the buyer's account. The bank is at risk, not the company tr... | fiqa |
6a2ddca71d05f22735a2e723c5a5df45 | Giving kids annual tax free gift of $28,000 | [
{
"docid": "6824a94d1bb6405c0a1cb9c114b590e3",
"text": "Why limit yourself to $28K per year? If you pay the tuition directly to the institution, it does not count against your annual or lifetime gift-giving totals. You could pay the entire tuition each year with no tax consequences. The only thing you can... | [
{
"docid": "ffd08dea7dad0b41a6ed09bda545c60a",
"text": "No, any gifts you receive are not taxable to you. In fact, losing money in a scam (as this sure sounds like to me) can even be tax-deductible if you lose enough! I wouldn't recommend accepting anything. Usually people with millions are dollars are capa... | fiqa |
eee4b912e677f16de963453c4926ba99 | why do I need an emergency fund if I already have investments? | [
{
"docid": "66a7fd9c6e89a27c21e0f26e9c8e3d06",
"text": "\"Emergency funds have a very specific and obvious benefit; you'll have money sitting around in case you need it. A lot of people think a big car repair or some unexpected home repair is an emergency, and that's fine. Emergency also expands up to \"\... | [
{
"docid": "5d7f244020437e6a98abac60a57ca848",
"text": "While it’s your personal choice on HOW you save for later its essential that you save. My sister works in a bank and recommended me not to put any money into retirement plans since the tax-advances seem fine but have to paid back when you take the mone... | fiqa |
4e42cc0c56f12a0ddc455f6e3de256a1 | The Benefits/Disadvantages of using a credit card | [
{
"docid": "dabeca4966bcc58743a28badc128b907",
"text": "There are a couple of things to consider. First, in order to avoid interest charges you generally just need to pay the statement balance before the statement due date. This is your grace period. You don't need to monitor your activity every day and... | [
{
"docid": "bb61a842ce680b93e02b19b67966b87f",
"text": "The biggest advantage to small business owners paid in cash is not that it might save the 2 or 3 percent that would go to the credit card company. The biggest advantage is that they have the opportunity to keep the transaction entirely off the books a... | fiqa |
42a391aebd80606f97257e265285afc6 | If I have no exemptions or deductions, just a simple paycheck, do I HAVE to file taxes? | [
{
"docid": "5d30f301760755861621e5260d05e183",
"text": "\"As a Canadian resident, the simple answer to your question is \"\"yes\"\" Having worked as a tax auditor and as a Certified Financial Planner, you are required to file an income tax return because you have taxable employment income. All the employer ... | [
{
"docid": "708b0a0701ed4c6db8ded6937a20599b",
"text": "\"There's no \"\"183 days\"\" rule. As a US citizen you must pay taxes on all your income, where you live is irrelevant.\"",
"title": ""
},
{
"docid": "eebfd26667517727702aaec038ea12a4",
"text": "\"You file taxes as usual. W2 is a form ... | fiqa |
4077a94b66af04d414f99862cd53313c | Meaning of capital market | [
{
"docid": "c9835dfc7ec0b879d7bda361cc073ffa",
"text": "\"Just to clarify, In wikipedia when it says It is defined as a market in which money is provided for periods longer than a year They are referring to the company which is asking for money. So for example the stock market provides money to the issuing... | [
{
"docid": "26add6882c3b0f92d535fd869f8d55ee",
"text": "\"Market caps is just the share price, multiplied by the number of shares. It doesn't represent any value (if people decide to pay more or less for the shares, the market cap goes up or down). It does represent what people think the company is worth. ... | fiqa |
41d834b5971555878fa3a1ee3a27e522 | Should I be claiming more than 1 exemption? | [
{
"docid": "ece04d2bd05cd3126ea8db90f178fe7e",
"text": "\"It's not possible to determine whether you can \"\"expect a refund\"\" or whether you are claiming the right number of exemptions from the information given. If your wife were not working and you did not do independent contracting, then the answer ... | [
{
"docid": "6936be415fe93cd7e0a9c018dfd788e4",
"text": "The difference is that if you end up owing more than $1k in taxes come April, you **will** be mandated for withholding next year (that's at the federal level, I don't know CA law in particular); and if this isn't the first time you've done it, you may ... | fiqa |
575e2612b210843011891d0356cdc9d2 | Can I transfer my West Australian rock lobster quota units into my SMSF? | [
{
"docid": "15e97da772c632dd4122a70b3431aac5",
"text": "SMSFs are generally prohibited from acquiring assets from related parties (whether it is purchased by the SMSF or contributed into the fund). There are some exceptions to the above rule for acquiring related party assets, including: • Listed securities... | [
{
"docid": "b6457cfdb5e67f41d9270a82b34af5ee",
"text": "If so how to do it. Ask CIBC to open the new RRSP account, and ask CIBC to contact GWL to tell GWL to move your money from the GWL account into the CIBC account.",
"title": ""
},
{
"docid": "001308bb6898cc328653575ba51889b7",
"text": "N... | fiqa |
5f8bb341fa74065e28374670d69d6b43 | Does investing money in other currencies help pad losses in case of a stock market crash? | [
{
"docid": "5fc6449416d4cd15fa5c851bc0040ca0",
"text": "If the equity market in the USA crashed, its very likely equity markets everywhere else would crash. The USA has a high number of the world's largest businesses and there are correlations between equity markets. So you need to think of equities as a gl... | [
{
"docid": "45c3cb28491d6b35f3219f442d3100a6",
"text": "\"These have the potential to become \"\"end-of-the-world\"\" scenarios, so I'll keep this very clear. If you start to feel that any particular investment may suddenly become worthless then it is wise to liquidate that asset and transfer your wealth so... | fiqa |
979271796533e194facb1b23fe28c062 | Bank will not accept loose change. Is this legal? | [
{
"docid": "d3a3089e2ce15824c40e5d7da0c02e29",
"text": "Is this even legal? How can a bank refuse to deposit legal tender in the United States? Legal for all debts, public or private, doesn't mean quite what I used to think, either. Per The Fed: This statute means that all United States money as identifi... | [
{
"docid": "fa70890a59cb856eb8e66c48a3ef4e05",
"text": "I was forced to give my bank permission to cover any overdrafts out of my savings accounts. Or pay the bank a fee. After 6 months I discovered they were still taking out a fee, when I confronted them they said it wasn't the overdraft fee it was just a... | fiqa |
ac2d16cb54806c32216e133a8007f9bc | 60% Downpayment on house? | [
{
"docid": "44aaaaed94c2fcc169b1218230d3f12f",
"text": "Keep in mind, this is a matter of preference, and the answers here are going to give you a look at the choices and the member's view on the positive/negative for each one. My opinion is to put 20% down (to avoid PMI) if the bank will lend you the full... | [
{
"docid": "b068ed80d2622176669138ee89886956",
"text": "\"Your Spidey senses are good. A good friend would not put you in such a position. It's simple, to skirt some issue (we'll get to that in a second) you are being asked to lie. All for a 15% return on your $$$$. <<< How much is that? You can easily len... | fiqa |
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