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Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Are in-kind donations from my S-Corp tax-deductible in any way? | "You should probably have a tax professional help you with that (generally advisable when doing corporation returns, even if its a small S corp with a single shareholder). Some of it may be deductible, depending on the tax-exemption status of the recipients. Some may be deductible as business expenses. To address Chris... |
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Given a financial question, retrieve user replies that best answer the question
Query:
Are in-kind donations from my S-Corp tax-deductible in any way? | "The relevant IRS publication is 526, Charitable Contributions. The section titled ""Contributions you cannot deduct"" begins on page 6; item 4 reads: ""The value of your time or services."" I read that to mean that, if the website you built were a product, you could deduct its value. I don't understand the legal disti... |
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Given a financial question, retrieve user replies that best answer the question
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What does the settlement date of short interest mean? | 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 securities twice a month. These reports are used to calculate short i... |
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Given a financial question, retrieve user replies that best answer the question
Query:
How to explain an income discrepancy to the IRS? | "The IRS doesn't tax ""increased wealth"" They tax Revenue -- income. If this money or property came to you as a gift, you would owe no tax on it but the giver probably would owe gift tax. If it came to you as a loan, you would owe no tax on it but the lender would owe tax on any interest you pay (and must charge at ... |
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Given a financial question, retrieve user replies that best answer the question
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How do I look for private limited partnership investment opportunities? (Or should I?) | "Investing in an existing company is almost like buying a house, or even becoming an ""Angel investor"" in a start-up. Before you start the process, decide how much you want to be involved in the day-to-day and which industries you would feel most comfortable in. The latter is an important consideration since you woul... |
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Given a financial question, retrieve user replies that best answer the question
Query:
If earning as freelancer, is it better to be a Sole Trader or Limited Company? | 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 |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
If earning as freelancer, is it better to be a Sole Trader or Limited Company? | Source Sole trader If you start working for yourself, you’re classed as a self-employed sole trader - even if you’ve not yet told HM Revenue and Customs (HMRC). As a sole trader, you run your own business as an individual. You can keep all your business’s profits after you’ve paid tax on them. You can employ staff. ‘... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Can I register for VAT to claim back VAT without selling VAT applicable goods? (UK) | "As far as I know any business can register for VAT regardless of the nature of the business. If all the goods you sell (or services you provide) are VAT-exempt or zero-rated then you will get refunds from HMRC on VAT your business pays. Any business whose non-VAT exempt turnover (which would include zero-rated goods ... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Can I register for VAT to claim back VAT without selling VAT applicable goods? (UK) | IANAL, I have not been VAT registered myself but this is what I have picked up from various sources. You might want to confirm things with your solicitor or accountant. As I understand it there is a critical difference between supplying zero-rated goods/services and supplying exempt goods/services. If the goods/servic... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Can I register for VAT to claim back VAT without selling VAT applicable goods? (UK) | "You cannot ""claim back"" VAT. What happens is that if you sell goods with VAT and charge customers VAT, you would have to send that VAT straight to HMRC, but if your business itself paid VAT, then you already paid VAT, so you have to send less. As an example, if you send an invoice for £10,000 plus £2,000 VAT, and y... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Automatic transaction on credit card to stay active | Put one of your monthly bills on it. (Utility bill, Netflix, monthly donation to charity, etc.) I have several automatic, recurring monthly charges on my credit card. If you don't have any current monthly bills that you want to switch, contact the Red Cross, or a charity of your choice. They would be very happy to cha... |
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Given a financial question, retrieve user replies that best answer the question
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Automatic transaction on credit card to stay active | credit cards are almost never closed for inactivity. i have had dozens of cards innactive for years on end, and only one was ever closed on me for inactivity. i would bet a single 1$ transaction per calendar year would keep all your cards open. as such, you could forget automating the process and just spend 20 minutes... |
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Given a financial question, retrieve user replies that best answer the question
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Automatic transaction on credit card to stay active | "I agree with the rest of the answers -- you're probably better off just using it for some predictable flat-rate recurring monthly service like NetFlix, or making a charitable donation if you're into that sort of thing. But since that wasn't what you asked, I'll try to provide an answer: If you don't mind throwing away... |
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Given a financial question, retrieve user replies that best answer the question
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Automatic transaction on credit card to stay active | Putting money into your Amazon gift card balance is also a very convenient option, but I like these recurring Red Cross and Wikipedia ideas also. |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Are stores that offer military discounts compensated by the government? | 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 cases their only competition is other stores outside the base. The ... |
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Given a financial question, retrieve user replies that best answer the question
Query:
Are stores that offer military discounts compensated by the government? | Nope, only base commissaries or BX/PX's are subsidized. The rest is just done for goodwill/marketing purposes. |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Are stores that offer military discounts compensated by the government? | This story is about military grocery stores - i.e.: grocery stores for military personnel on military bases. There are no discounts for military personnel in a regular grocery store. But they may have subsidised prices in grocery stores located inside a military installation, and these are those stores that the story i... |
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Given a financial question, retrieve user replies that best answer the question
Query:
Can I claim a tax deduction for working from home as an employee? I work there 90% of the time | 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 that it may not be worth it to take the home office deduction as an emp... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Can I claim a tax deduction for working from home as an employee? I work there 90% of the time | Talk to a tax professional. The IRS really doesn't like the deduction, and it's a concept (like independent contractors) that is often not done properly. You need to, at a minimum, have records, including timestamped photographs, proving that: Remember, documentation is key, and must be filed and accessible for a numbe... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Can I claim a tax deduction for working from home as an employee? I work there 90% of the time | The general rule is: Generally, in order to claim a business deduction for your home, you must use part of your home exclusively and regularly: Exclusively seems to be the toughest standard and I do not know exactly how strict the IRS's interpretation is. Working in your living room where you regularly watch TV and hav... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Can I claim a tax deduction for working from home as an employee? I work there 90% of the time | "90% sounds like ""principal place of business"" but check these IRS resources to make sure." |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Do I need to pay Income Tax if i am running a escrow service in India | "This may be closed as not quite PF, but really ""startup"" as it's a business question. In general, you should talk to a professional if you have this type of question, specifics like this regarding your tax code. I would expect that as a business, you will use a proper paper trail to show that money, say 1000 units ... |
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Given a financial question, retrieve user replies that best answer the question
Query:
Do I need to pay Income Tax if i am running a escrow service in India | As JoeTaxpayer has mentioned, please consult a lawyer and CA. In general you would have to pay tax on the profit you make, in the example on this 10% you make less of any expenses to run the business. depending on how you are incorporating the business, there would be an element of service tax apart from corporate tax... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Do I need to pay Income Tax if i am running a escrow service in India | Income Tax would only be levied on the 10% commission that you earn and not on the total amount kept in the Escrow Account. |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Do I need to pay quarterly 1040 ES and 941 (payroll)? | Don't overthink it. As an employee, whether of your own corporation or of someone else, you get a salary and there are deductions taken out. As the owner of a business you get (hopefully) business profits as well. And, in general, you often have other sources of income from investments, etc. Your estimated tax payments... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Do I need to pay quarterly 1040 ES and 941 (payroll)? | I'm not sure why you're confusing the two unrelated things. 1040ES is your estimated tax payments. 941 is your corporation's payroll tax report. They have nothing to do with each other. You being the corporation's employee is accidental, and can only help you to avoid 1040ES and use the W2 withholding instead - like an... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Do I need to pay quarterly 1040 ES and 941 (payroll)? | I think I may have figured this out but if someone could double check my reasoning I'd appreciate it. So if my company makes $75000 and I decide to pay myself a $30000 salary, then the quarterly payment break down would be like this: 1040ES: Would pay income tax on non salary dividend ($45000) 941: Would pay income tax... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Theoretically, if I bought more than 50% of a company's stocks, will I own the company? | You'll own whatever fraction you bought. To own the company (as in, boolean - yes or no) you need to buy 100% of the outstanding stock. RE controlling the company, in general the answer is yes - although the mechanism for this might not be so straight forward (ie. you may have to appoint board members and may only be a... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Theoretically, if I bought more than 50% of a company's stocks, will I own the company? | "Owning more than 50% of a company's stock normally gives you the right to elect a majority, or even all of a company's (board of) directors. Once you have your directors in place, you can tell them who to hire and fire among managers. There are some things that may stand in the way of your doing this. First, there ma... |
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Given a financial question, retrieve user replies that best answer the question
Query:
Theoretically, if I bought more than 50% of a company's stocks, will I own the company? | "I believe Tom Au answered your key question. Let me just add in response to, ""What if someone was just simply rich to buy > 50%, but does not know how to handle the company?"" This happens all the time. Bob Senior is a brilliant business man, he starts a company, it is wildly successful, then he dies and Bob Junior i... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Theoretically, if I bought more than 50% of a company's stocks, will I own the company? | "The usual pattern is that shareholders don't run companies in a practical sense, so ""if someone was just simply rich to buy > 50%, but does not know how to handle the company"" doesn't change anything. In large companies, the involvement of shareholders is limited to a few votes on key issues such as allocating profi... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Theoretically, if I bought more than 50% of a company's stocks, will I own the company? | I almost agree. I am not completely sure about the ownership of stock, but to have the majority ownership of any company you must own more than 50% of a company's outstanding shares. Although a board in majority, could out vote a majority shareholder in most cases depending on the company policy regarding shareholders ... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Theoretically, if I bought more than 50% of a company's stocks, will I own the company? | The person holding the majority of shares can influence the decisions of the company. Even though the shareholder holds majority of the shares,the Board of Directors appointed by the shareholders in the Annual General Meeting will run the company. As said in the characteristics of the company,the owners and the adminis... |
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Given a financial question, retrieve user replies that best answer the question
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Theoretically, if I bought more than 50% of a company's stocks, will I own the company? | It is also worth noting that one of the character defining features of a publicly traded company is that the management that is responsible for the day to day operations of the stands independent of those who have ownership. Shareholder of a public company typically don't have influence over the day to day running of t... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Theoretically, if I bought more than 50% of a company's stocks, will I own the company? | You guys seem to have forgotten the most important part of this equation ... i work for a bank and I can tell u this as a painful fact ... every business is governed by its paperwork ... articles bylaws operating agreements amendments and minutes .. if a companys paperwork says that the 51% owner can fire everyone and ... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Using a self-directed IRA to buy vacation condo, rent it out to an LLC for $1 | "Self directed IRAs have rules to prevent self-dealing of this sort called ""prohibited transactions"". You can't buy or sell or lease assets or obtain services from anyone closely linked to you or any beneficiaries of the IRA. You can't loan yourself money from the IRA, and you can't deliberately take the proceeds tha... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Using a self-directed IRA to buy vacation condo, rent it out to an LLC for $1 | I don't quite understand your thought process here. First, in a tax-advantaged retirement account you are NOT allowed to engage in a transaction with yourself. If you just want to run a business and be able to write off expenses, how is using the self-directed IRA relevant? You can either buy the condo using your ta... |
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Given a financial question, retrieve user replies that best answer the question
Query:
Will I have to pay taxes for Australia if I have an Australian bank account? | Because you actually reside in New Zealand, your income taxes will be paid in New Zealand. However, as a non-resident of Australia you will have tax withholding on all of the interest you earn in an Australian bank account. Obviously, because that tax is paid to Australia, that will not be counted against your New Zeal... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Will I have to pay taxes for Australia if I have an Australian bank account? | "After reviewing the tax treaty between New Zealand and Australia, I think the issue is whether or not you have an interest in a ""permanent establishment"" in Australia where you do business. The bank is not relevant as it is merely the vehicle by which you collect payment and would only come into the picture if you ... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Will I have to pay taxes for Australia if I have an Australian bank account? | "If you are a resident of New Zealand for tax purposes, you will be taxed in New Zealand on all of your ""worldwide income"". This is income derived from New Zealand as well as income derived from all other countries Source: http://www.ird.govt.nz/international/nzwithos/income/overseas-income-index.html Another link th... |
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Given a financial question, retrieve user replies that best answer the question
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Are PINs always needed for paying with card? | There generally isn't much in the way of real identity verification, at least in the US and online. The protection you get is that with most credit cards you can report your card stolen (within some amount of time) and the fraudulent charges dropped. The merchant is the one that usually ends up paying for it if it get... |
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Given a financial question, retrieve user replies that best answer the question
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Are PINs always needed for paying with card? | As far as I'm aware, PINs are only used for in-person transactions, not 'remote' (over the Internet or phone). |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Are PINs always needed for paying with card? | "For the first part of your question; Refer to related question Why do some online stores not ask for the 3-digit code on the back of my credit card? The other case of Airport ticket machines, requires the physical presence of card. The assumption is that if you had the card before and after the transaction, it was yo... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Are PINs always needed for paying with card? | Chip and Pin cards are popular in Europe, however in the US we don't have them. Visa/MC and Amex can issue chip and pin cards but no merchants or machines are set up here to take them. Only certain countries in Europe use them and since you could possibly have a US visitor or a non-chip and pin person using your mach... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Are PINs always needed for paying with card? | Security in the merchant services system is mainly handled in two ways: 1) Before transactions are done, the business itself must go through an application process similar (but not identical) to getting a loan. Some high risk businesses must pay higher fees due to the increased likelihood of customer complaints. 2) Wh... |
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Given a financial question, retrieve user replies that best answer the question
Query:
Are PINs always needed for paying with card? | Like email and spam, fighting creditcard fraud is a cat and mouse game, with technology and processes constantly being developed to reduce fraud. The CVV on the back of the card is just one more layer of security. Requiring the CVV generally requires you to physically have access to the card. CVV should not be stored ... |
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Given a financial question, retrieve user replies that best answer the question
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Do I make money in the stock market from other people losing money? | "Do I make money in the stock market from other people losing money? Not normally.* The stock market as a whole, on average, increases in value over time. So if we make the claim that the market is a zero-sum game, and you only make money if other people lose money, that idea is not sustainable. There aren't that many ... |
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Given a financial question, retrieve user replies that best answer the question
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Do I make money in the stock market from other people losing money? | There's really not a simple yes/no answer. It depends on whether you're doing short term trading or long term investing. In the short term, it's not much different from sports betting (and would be almost an exact match if the bettors also got a percentage of the team's ticket sales), In the long term, though, your p... |
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Given a financial question, retrieve user replies that best answer the question
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Do I make money in the stock market from other people losing money? | "Because I feel the answers given do not wholely represent the answer you are expecting, I'd like to re-iterate but include more information. When you own stock in a company, you OWN some of that company. When that company makes profit, you usually receive a dividend of those profits. If you owned 1% of the company sto... |
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Given a financial question, retrieve user replies that best answer the question
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Do I make money in the stock market from other people losing money? | The stock market is no different in this respect to anything that's bought or sold. The price of a stock like many other things reflects what the seller is prepared to sell it at and what the buyer is prepared to offer for it. If those things match then a transaction can take place. The seller loses money but gains sto... |
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Given a financial question, retrieve user replies that best answer the question
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Do I make money in the stock market from other people losing money? | Just because your slice of pie gets bigger doesn't necessarily mean someone else's becomes smaller. In a lot of cases it's the entire pie that gets bigger. Why is the pie bigger? More investors (savers turn investors; foreign investments, etc.), more money printed (QE anyone?), Market sentiment changes (stock is priced... |
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Given a financial question, retrieve user replies that best answer the question
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Do I make money in the stock market from other people losing money? | "The answer is partly and sometimes, but you cannot know when or how. Most clearly, you do not take somebody else's money if you buy shares in a start-up company. You are putting your money at risk in exchange for a share in the rewards. Later, if the company thrives, you can sell your shares for whatever somebody else... |
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Given a financial question, retrieve user replies that best answer the question
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Do I make money in the stock market from other people losing money? | Day traders see a dip, buy stocks, then sell them 4 mins later when the value climbed to a small peak. What value is created? Is the company better off from that trade? The stocks were already outside of company hands, so the trade doesn't affect them at all. You've just received money from others for no contribution t... |
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Given a financial question, retrieve user replies that best answer the question
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Do I make money in the stock market from other people losing money? | "In gambling, the house also takes a cut, so the total money in the game is shrinking by 2-10 percent. So if you gain $100, it's because other people lost $105, and you do this for dozens of plays, so it stacks up. The market owns companies who are trying to create economic value - take nothing and make it something.... |
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Given a financial question, retrieve user replies that best answer the question
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Do I make money in the stock market from other people losing money? | "There is one other factor that I haven't seen mentioned here. It's easy to assume that if you buy a stock, then someone else (another stock owner) must have sold it to you. This is not true however, because there are people called ""market makers"" whose basic job is to always be available to buy shares from those w... |
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Given a financial question, retrieve user replies that best answer the question
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Do I make money in the stock market from other people losing money? | Do I make money in the stock market from other people losing money? Sometimes. If the market goes down, and someone sells -- on a panic, perhaps, or nervousness -- at a loss, if you have extra cash then you can buy that stock on the hope/expectation that its value will rise. |
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Given a financial question, retrieve user replies that best answer the question
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Joining a company being acquired | "Is there anything I need to ask or consider during my negotiation process based on the fact that they probably will soon be own by another company? Very tricky situation. You are being hired by one company, and one hiring manager. But you already know that there are big changes ahead. What you don't know is how al... |
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Given a financial question, retrieve user replies that best answer the question
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Joining a company being acquired | The best answer I can give is - be prepared for change. There's no perfect question you can ask or assurance you can get prior to accepting the offer that will give you any particularly perfect security or sense of stability here. The company itself is going through a change of identity that can change how it will do ... |
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Given a financial question, retrieve user replies that best answer the question
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How should I record invoices in foreign currency in GNUCash? | "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 about the transactions and it makes sense to me. I'm a programmer, not an ac... |
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Given a financial question, retrieve user replies that best answer the question
Query:
How should I record invoices in foreign currency in GNUCash? | It depends upon in how many currencies your business is denominated. If your business is solely dependent upon this one payer, it's best to start up a new set of books in USD. All accounts should be translated from CAD from a date preceding the USD activity. The CAD books should be closed, and all should be done with... |
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Given a financial question, retrieve user replies that best answer the question
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Any tax advantage for registering a residential house as a business? (I want to apply legal pressure to my landlord) | "To the best of my knowledge, in California there's no such thing as registering a place as a business. There's zoning (residential/commercial/mixed/etc), and there's ""a business registered at a place"". But there's no ""place registered as a business"". So you better clarify what it is that you think your landlord di... |
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Difference between a mortgage and buy-to-let in UK | "Residential mortgages normally explicitly state that the property cannot be let without explicit permission, whereas BTL mortgages typically require that the property be let. There are other differences. Residential mortgages are regulated, which means that consumers have a degree of protection from mis-selling; most ... |
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Given a financial question, retrieve user replies that best answer the question
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Difference between a mortgage and buy-to-let in UK | In my experience buy-to-let mortgages charge a higher rate of interest than an personal residential mortgage. They are regarded as a business enterprise and presumably the banks calculate that they carry a higher risk. A bank would probably take action if the property on an ordinary mortgage was rented out, as you wo... |
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Given a financial question, retrieve user replies that best answer the question
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Difference between a mortgage and buy-to-let in UK | Another factor that makes Buy to let more expensive is the risk involved. With a buy to let you are dependent on finding a tenant that will keep regular payments. if the property is left empty you need to finance the mortgage yourself putting you under financial strain and raising risk. Also as Chis mentioned they are ... |
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Given a financial question, retrieve user replies that best answer the question
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Could someone place an independent film on the stock market? | "When we say ""stock market,"" we are usually thinking of the publicly traded stocks, such as the New York Stock Exchange or the NASDAQ. Shares of individual products do not go on these exchanges, only large corporations. You won't see a stock ticker symbol for The Force Awakens or for the iPhone 6s Plus. The reason ... |
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Given a financial question, retrieve user replies that best answer the question
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Could someone place an independent film on the stock market? | Stock is a part ownership of a business. First there has to be a business that people want to own part of because they expect to make a profit from that ownership. Nobody is going to be interested if the business isn't worth anything. In other words: sure, you could try to start a movie production house to make this ... |
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Given a financial question, retrieve user replies that best answer the question
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Company requires me to use my personal cell phone to work. Writeoff? | Not authoritative, but according to TurboTax: If your new cell phone acts as both your business and personal phone, you are only allowed to deduct the portion used for business from your taxable income. It’s important for you to hang on to your itemized phone bill and receipts to ensure that you’re deducting the right ... |
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Given a financial question, retrieve user replies that best answer the question
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Is an analyst's “price target” assumed to be for 12 months out? | I wouldn't put too much stock in the guidance generically... it's more a measure of confidence in the company. When you listen to the earnings calls and start following a particular analyst, you'll understand where they come from when they kick out a number. |
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Given a financial question, retrieve user replies that best answer the question
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Is an analyst's “price target” assumed to be for 12 months out? | "If the time horizon is not indicated, this is just a ""fair price"". The price of the stock, which corresponds with the fair value of the whole company. The value, which the whole business is worth, taking into consideration its net income, current bonds yield, level of risk of the business, perspective of the busines... |
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Given a financial question, retrieve user replies that best answer the question
Query:
Is an analyst's “price target” assumed to be for 12 months out? | The time horizon applicable to the price target is always specified by the broker or bank which published the research report. You will find this information in the disclaimer, which is present on every research report. Usually it is 12 months, but some firms give 6 months price targets. However, you should never rely... |
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Given a financial question, retrieve user replies that best answer the question
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Is an analyst's “price target” assumed to be for 12 months out? | I don't think you can always assume a 12-month time horizon. Sometimes, the analyst's comments might provide some color on what kind of a time horizon they're thinking of, but it might be quite vague. |
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Given a financial question, retrieve user replies that best answer the question
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Is an analyst's “price target” assumed to be for 12 months out? | Most commonly, unless you read 'fair value target price,' an analyst's target price is a 12-month target price. Typically, there is a firm wide policy determining which time horizon to use. No analyst would provide an open ended target price, it doesn't make any sense (you discount cash flows to a certain period, adjus... |
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Given a financial question, retrieve user replies that best answer the question
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Is an analyst's “price target” assumed to be for 12 months out? | Analysts normally (oxymoron here) gauge their targets on where the stock is currently and more importantly where it has been. Except for in the case of say a Dryships where it was a hundred dollar stock and is now in the single digits, it is safe to assume that Apple for instance was well over $ 700 and is now at $500,... |
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A merchant requests that checks be made out to “Cash”. Should I be suspicious? | There are legitimate reasons: I wouldn't jump the gun and assume that this person is avoiding taxes, etc. Barbers are usually licensed professions. Since it's generally a cash business, they tend to get audited more often by the tax authorities. That said, I wouldn't pay her with a check -- you have no idea who is actu... |
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Given a financial question, retrieve user replies that best answer the question
Query:
A merchant requests that checks be made out to “Cash”. Should I be suspicious? | "There are benefits associated with a cash only business (the link states a few). However checks made out to ""cash"" don't reap those benefits listed. For anyone on SE to say your barber hides revenue from the IRS would just be speculation. With that said there are a great number of disadvantages for a cash only busi... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
A merchant requests that checks be made out to “Cash”. Should I be suspicious? | "To put a positive spin on the whole thing, maybe it's a small family shop, and having the check made out to ""cash"" means that your barber can hand it to someone else without the need to countersign. Or maybe his last name is ""Cash"" - there was a pretty famous singer who fit that description. Either way, it's not y... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
A merchant requests that checks be made out to “Cash”. Should I be suspicious? | "They're hiding income. The IRS is a likely candidate for who they are hiding it from but not the only option. Another possibility that comes to mind is someone who had a judgment against them--a check made out to ""cash"" could be handled by someone else and thus not ever appear in their bank accounts." |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
A merchant requests that checks be made out to “Cash”. Should I be suspicious? | If the business owner doesn't want you to pay him directly, the only reason I can think of is breaking a law. It can be because the business doesn't legally exists, or because the barber wants to evade taxes, or because he doesn't pay his child support or doesn't want his income to be apparent to his debtors in a bankr... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
What threshold to move from SEP to Solo401k? | I think this article explains it pretty well: Contributions to a SEP are limited to 20% of your business income (which is business income minus half of your self-employment tax), up to a maximum of $45,000. With a solo 401(k), on the other hand, you can contribute up to $15,500 plus 20% of your business ... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Can a shareholder be liable in case of bankruptcy of one of the companies he invested in? | "No. One of the key ideas behind a corporation is that an investor's liability is limited to the amount he invests, i.e. the amount of stock he buys. This is the primary reason why small businesses become corporations, even though one person owns 100% of the stock. Then if the business goes broke, he won't lose his hou... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Can a shareholder be liable in case of bankruptcy of one of the companies he invested in? | "No, assuming by ""public company"" you mean a corporation. The shareholder's individual liability is limited to their investment. Your shares can go to zero value, but that's the limit. EDIT In regard to the follow-up question in the comments: ""Are all companies in the stock market corporations?"" the answer is def... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Can a shareholder be liable in case of bankruptcy of one of the companies he invested in? | The answer depends on whether the company involved has 'limited liability'. Most, but not all public and listed companies and corporations have this, but not all so it is worth checking and understanding what you are getting involved with. The expression 'limited liability' means that the owners (shareholders) of a c... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Can a shareholder be liable in case of bankruptcy of one of the companies he invested in? | "Not normally, for a limited liability company anyway. In extreme circumstances a court may ""lift the veil"" of incorporation and treat shareholders as if they were partners. If you are an office bearer or a director that is found to have breached duties/responsibiities then that is another matter. Dim views can be ta... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Can a shareholder be liable in case of bankruptcy of one of the companies he invested in? | "I am a tax lawyer and ALL the RESPONSES ABOVE are 1/2 Correct but also 1/2 Wrong and in tax law this means 100% WRONG (BECAUSE ANY PART INCORRECT UNDER TAX LAW will get YOU A HUGE PENALY and/or PRISON TIME by way of the IRS! So in ESSENCE ALL the above answers are WRONG! Let me enlighten you to the correct answer in ... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Can a shareholder be liable in case of bankruptcy of one of the companies he invested in? | In an open corporation scenario a stock holder may well be found liable. It's a very narrow and uncommon bunch of scenarios but it's well worth sharing. See the paragraph on open corporations in the following document: http://nationalparalegal.edu/public_documents/courseware_asp_files/businessLaw/RightsOfShareholders/L... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Should I deduct or capitalize the cost to replace a water heater in my rental property? (details Below) | 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 not fully depreciated - talk to your tax adviser how to handle the re... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Should I deduct or capitalize the cost to replace a water heater in my rental property? (details Below) | Pub 527 my friend. It gets depreciated. Table 1-1 on page 5. |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Should I deduct or capitalize the cost to replace a water heater in my rental property? (details Below) | You may be able to choose. As a small business, you can expense certain depreciable assets (section 179). But by choosing to depreciate the asset, you are also increasing the cost-basis of the property. Are you planning to sell the property in the next couple of years? Do you need a higher basis? Section 179 - Elec... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
What effect does a company's earnings have on the price of its stock? | "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 valuable to its owners since that money can be distributed to them. Sh... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
What effect does a company's earnings have on the price of its stock? | A common (and important) measure of a stock's value is the price/earnings ratio, so an increase in earnings will normally cause the stock price to increase. However, the price of the stock is based on a guess of the value of the company some time (6 months?) in the future. So an increase in earnings today probably make... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
What effect does a company's earnings have on the price of its stock? | Your autograph analogy seems relevant to me. But it is not just speculation. In the long run, investing in stocks is like investing in the economy. In the long run, the economy is expected to grow , hence stock prices are expected to go up. Now in theory: the price of any financial instrument is equal to the net presen... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
What effect does a company's earnings have on the price of its stock? | Market price of a stock typically trades in a range of Price/Earnings Ratio (P/E ratio). Or in other words, price of a stock = Earnings * P/E ratio Because of this direct proportionality of stock price with earnings, stock prices move in tandem with earnings. |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
What types of receipts do I need to keep for itemized tax deductions? | "I would say to only bother keeping the ones you know you'll use for itemized deductions. This includes any unreimbursed business expenses and vehicle licensing fees. There are a lot of other itemized tax deductions possible, but those are two common ones. Also, keep track of your business mileage (mileage before and a... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
What types of receipts do I need to keep for itemized tax deductions? | I err on the side of saving all of mine for a while. Just toss them in a box at least. A years' worth is about the size of a shoebox. I started doing this because one year, about a week after I tossed my receipts for the year, I realized that I had a fair bit of allotment left on my flexible savings account to use up... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
What types of receipts do I need to keep for itemized tax deductions? | Businesses are only required to keep receipts over $751. However for individuals, I would throw them all in a shoebox and not worry about organizing them. There's a small chance you'll need to go through them during an audit, and you can worry about reconciling all of them and putting them in order at that point. Jus... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Are COBRA premiums deductible when self-employed? | "The basic idea is that the average person can't deduct health care costs unless they're really onerous. But a business can, and as a self-employed person, you can deduct those costs from the businesses earnings... as long as the business is really generating enough profit to cover the health insurance costs. That's wh... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Are COBRA premiums deductible when self-employed? | "I am very late to this forum and post - but will just respond that I am a sole proprietor, who was just audited by the IRS for 2009, and this is one of the items that they disallowed. My husband lost his job in 2008, I was unable to get health insurance on my own due to pre-existing ( not) conditions and so we had to... |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Are COBRA premiums deductible when self-employed? | http://www.ehow.com/about_4625753_cobra-as-selfemployed-health-insurance.html This link makes it clear... it has to be itemized, and is subject to the > than 7.5% AGI rule. |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Are COBRA premiums deductible when self-employed? | When you take the self employed health care deduction on on Line 29 of form 1040 for 2010 it also will lower your self employment tax. See line 3 of Schedule SE. You report your net earnings from self employment less line 29 from 1040. |
Instruct:
Given a financial question, retrieve user replies that best answer the question
Query:
Are COBRA premiums deductible when self-employed? | COBRA premiums are not deductible on 1040 line 29; to qualify, the IRS says the insurance plan must be in your name (COBRA is in your former employer's name). H&R Block confirms this. |
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