query_id stringlengths 32 32 | query stringlengths 9 5.38k | positive_passages listlengths 1 23 | negative_passages listlengths 9 100 | subset stringclasses 6
values |
|---|---|---|---|---|
d2946dbb911d410afee6705fb918f3e4 | If I send money to someone on student visa in USA, will he need to pay taxes on that? | [
{
"docid": "690a912cc72c7bd23d3db330d51e0785",
"text": "First: I am not a tax lawyer. This is just an educated opinion; not a legally verified answer. Taxes are to be paid on income, not on money that you handle for someone. So if the idea is only that he gets and holds the money for you until a later point... | [
{
"docid": "6182d56afcf0b5a8f2439fa618d15295",
"text": "\"A loan is not a taxable income. Neither is a gift. Loans are repaid with interest. The interest is taxable income to the lender, and may or may not be deductible to the borrower, depending on how the loan proceeds were used. Gifts are taxable to the ... | fiqa |
ed07c6deea4d7b09eef414072a91a4e6 | What does it mean for a normal citizen like me when my country's dollar value goes down? | [
{
"docid": "2a9ccb93058b7630955699cdcd88ddbd",
"text": "This may make Australian exports cheaper, which can be a good thing. However it is at the expense of making imports more expensive. Look to Japan, which is devaluing their currency, and is a large importer of energy: I wont say its bad or unnecessary ... | [
{
"docid": "a83c8e47219effc49996c8f7f32aec0b",
"text": "I wrote about the dynamic of why either of a lower or higher exchange rate would be good for economies in Would dropping the value of its currency be good for an economy? A strong currency allows consumers to import goods cheaply from the rest of t... | fiqa |
20b3033872ecb0470519cf5e515e717b | Sell a stock and buy a new one | [
{
"docid": "876b598f5ea78adf444348f7f7188616",
"text": "You have to wait for three (business) days. That's the time it takes for the settlement to complete and for the money to get to your account. If you don't wait - brokers will still allow you to buy a new stock, but may limit your ability to sell it unt... | [
{
"docid": "1113a65ceab6020675408bde08a986cd",
"text": "\"This probably won't be a popular answer due to the many number of disadvantaged market participants out there but: Yes, it is possible to distort the markets for securities this way. But it is more useful to understand how this works for any market (... | fiqa |
c937cd9d1fbac7961ac11e3b020333e8 | Where I can find the exact time when a certain company's stock will be available in the secondary market? | [
{
"docid": "42e71f7a8b01aa528beaa8246c665bf8",
"text": "Twitter is planning to go public on NYSE. You'll be able to start trading once the stock is listed for trading, which would be the day of the IPO. Note that since you're trading on the secondary market, you won't be able to buy at the IPO prices, what... | [
{
"docid": "ff7f871a450e24d96f85664029365357",
"text": "Investopedia has one and so does marketwatch I've always used marketwatch, and I have a few current competitions going on if you want me to send the link They recently remodeled the website so it works on mobile and not as well on desktop Don'... | fiqa |
b8b73f71a37789b1f41c746cc550a3f4 | Will prices really be different for cash and cards? | [
{
"docid": "ad261ad87455c52975dbca247f47df0e",
"text": "I think the question relates to the discussion here: http://clarkhoward.com/liveweb/shownotes/2010/10/05/19449/ It was always the case that merchants could discount purchases made with cash. What wasn't allowed is allowing the merchant to charge extra... | [
{
"docid": "e36e76f1e2821544eb4742f5ed04d5b8",
"text": "\"The rate for \"\"checks and transfers\"\" is set by each bank multiple times during the day based on the market. It is as opposed to the rate for \"\"cash/banknotes\"\", also set by each bank, and the \"\"representative rate\"\" (שער היציג) set by th... | 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 |
f74c28d000a6988504a9c837302317f8 | How does a 2 year treasury note work? | [
{
"docid": "97d48afb79e4ae56b8d2b14a65b44ce4",
"text": "There is a large market where notes/bills/bonds are traded, so yes you can sell them later. However, if interest rates go up, the value of any bond that you want to sell goes down, because you now have to compete with what someone can get on a new iss... | [
{
"docid": "72a2701b1f51d5da47456b2cbe3a98a0",
"text": "I have been charting the CPI reported inflation rate vs . the yeald on the 10-year T-note. Usually, the two like to keep pace with each other. Sometimes the T-note is a bit higher than the inflation rate, sometimes the inflation rate is a bit higher th... | 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 |
8b07193c9db8c709979a980f3dcd927d | How aggressive should my personal portfolio be? | [
{
"docid": "2cff75e0f193b732a183a32d56f3a919",
"text": "You're completely missing the most important thing you can do: minimize fees.",
"title": ""
},
{
"docid": "fe51e686735147f0c35b913477796fe9",
"text": "\"Its important to note that aggression, or better yet volatility, does not necessari... | [
{
"docid": "b814e2e4f943f77864610939f302e619",
"text": "\"I find it interesting that you didn't include something like [Total Bond Market](http://stockcharts.com/freecharts/perf.html?VBMFX), or [Intermediate-Term Treasuries](http://stockcharts.com/freecharts/perf.html?VBIIX), in your graphic. If someone w... | fiqa |
61347e706713332493aef7d05019e331 | Minimizing loss during two-way currency transfers involving foreign entities | [
{
"docid": "7cd55f5e1b948a1bcbee03867034f1d4",
"text": "The solution was to get a foreign bank in each country we do business in. Get a credit card processor there, and simply make our money and keep our money in that country, and taking quarterly gains from those accounts and bringing them to the US accoun... | [
{
"docid": "9c7b4c73d0cfa05f6db8ec14315332e2",
"text": "Suppose you're a European Company, selling say a software product to a US company. As much as you might want the US company to pay you in Euros they might insist (or you'll lose the contract) that you agree pricing in USD. The software is licensed on ... | fiqa |
a1d9c575f65b54314fc54e80509d209e | Dow Jones Industrial Average (DJIA), NASDAQ 100, and S&P 500 index historical membership listing? | [
{
"docid": "2ee64c477f71e46524f285924da4742c",
"text": "Dow Jones: http://en.wikipedia.org/wiki/Historical_components_of_the_Dow_Jones_Industrial_Average NASDAQ: http://en.wikipedia.org/wiki/NASDAQ-100 (scroll down) S&P Tricky. From what I can find, you need to be in Harvard Business School, a member of CR... | [
{
"docid": "545e9e42cce983a37760a9ff4bb41ede",
"text": "I tried direct indexing the S&P500 myself and it was a lot of work. Lots of buys and sells to rebalance, tons of time in spreadsheets running calculations/monitoring etc, dealing with stocks being added or removed from the index, adding money (infl... | fiqa |
753d07fd7e56f4c259a539b6c1916f3d | Good Percentage Return on Equity? | [
{
"docid": "adc58170ab394a0f0d40e7c03f1b1f41",
"text": "Yes definitely Warren Buffet averaged returns of only around 21% throughout his 40 years in business. ROE of 23% is probably more than double the ROE of most companies , whats more as the saying goes its easier to grow sales from 1 million to 100 mil... | [
{
"docid": "dc61bab52d0f73aaebd7179bee102155",
"text": "You will probably never see it. The startup at some point may start issuing dividends to the shareholders (which would be the owners, including you if you are in fact getting equity), but that day may never come. If they hire others with this method,... | fiqa |
a27b4f20012adfd8d2774d45d5cd1aef | Is transfer of long term investment proceeds from India considered taxable in the U.S.? | [
{
"docid": "48b2fd3b012dabac3583f3775f1f943d",
"text": "If you are a US resident (not necessarily citizen) then yes, you do have to pay capital gains taxes on any capital gains, including interest from assets oversees (like interest from a savings account). Additionally you have to report all your foreign b... | [
{
"docid": "ec3d14f8d9e15d3aab6f98d3a9cf46fd",
"text": "If you are tax-resident in the US, then you must report income from sources within and without the United States. Your foreign income generally must be reported to the IRS. You will generally be eligible for a credit for foreign income taxes paid, vi... | fiqa |
7247b3b0bc20762f2e2d0b0eaac3c7b2 | How does UpWork allow US companies to make payments outside of the US? | [
{
"docid": "9e22049906826ea1d22611ec64c0d087",
"text": "Permanent employees are the distinct opposite of contractors. Upwork can easily have business entities (limited liability company equivalents) in multiple countries, and it can make payments between them. Or they can merely use existing payment infrast... | [
{
"docid": "d67803ddbaed689189eccfe8f6a604e9",
"text": "It's not just the US based mailing address for registration or US based credit-card or bank account: even if you had all these, like I do, you will find that these online filing companies do not have the infrastructure to handle non-resident taxes. Th... | fiqa |
a3f30907507cc8a1d274ebfbba75e298 | Who can I get to help me roll my 401(k) into an IRA when I live overseas? | [
{
"docid": "290c7fe6754d823f4f4597f866625b86",
"text": "It is typically very easy to roll a 401(k) into an IRA. Companies that provide IRA's are very experienced with it, and I would expect that they will take your calls from overseas. You will likely be able to do it over the internet without using a phon... | [
{
"docid": "058718c4ba38b0df9089d96f290571b4",
"text": "If you do not need the money in the 401k right away and are interested in avoiding penalties on the amounts accumulated, roll over the 401k monies into a Roth IRA (your contributions and growth thereof) and a Traditional IRA (company match a d growth t... | fiqa |
06274fc2afe98e5c827a51f5bb34a0f7 | What determines price fluctuation of groceries | [
{
"docid": "efe70ea839b8b2502a417b3f0cdc2d5f",
"text": "\"Yes and no. First off, commodity prices reflect the cost of a good about 3 steps back in the retail supply chain; the agreed-upon price for the raw foodstuff between farmers/ranchers and manufacturers. Your grocer may carry bags of whole grain wheat,... | [
{
"docid": "371e8f2e82be060229ed7fa33316d364",
"text": "The mechanism of supply and demand is imperfect. Producers don't know exactly how many purchasers/consumers for a good there are. Some goods, by their nature, are in short supply, and some are plentiful. The process of price discovery is one where (i... | fiqa |
a47b2cd00354f86b55f129f05c1141d1 | Can I withdraw from my Roth IRA retirement account to fund a startup? | [
{
"docid": "02a5742baab47867c7badccc4a816420",
"text": "\"Yes, it is possible to withdraw money from your Roth IRA before retirement (but I wouldn't necessarily advise you to do so.) Here's the good news, and the bad news: The good news: Unlike a traditional IRA, money contributed to a Roth IRA is done so ... | [
{
"docid": "1862c5b56cc5ea737411b24b5fec592e",
"text": "Yes sir, been there did that. Now a Roth account is considered income if you it pull out. It is your money and you have to report if you pull it out. FYI, open a savings account, and put it in that so if you need it this will not happen.",
"title"... | fiqa |
45ed0e75202a90185d1948509a347c41 | When a stock price rises, does the company get more money? | [
{
"docid": "c50f4befa2ff841763a4a23ab2ef8cd2",
"text": "Not directly. But companies benefit in various ways from a higher stock price. One way a high stock price can hurt a company is that many companies do share buybacks when the price is too high. Economically speaking, a company should only buy back shar... | [
{
"docid": "d5d4da8a355958c565267ad5a2005aa7",
"text": "\"Sure, stocks don't pay interest. I just looked up the word \"\"compound\"\" in a couple of dictionaries and the relevant definition in all of them just mentioned interest and not growth in the value of stock. So it may be technically inaccurate to ta... | fiqa |
a85ef6ae1692e2efd9d34d28e0998c7a | Is this formula accurate for weighing the difference between an S-Corp and LLC? | [
{
"docid": "de92587f4c34d0733ffc73a07c95127c",
"text": "FICA/SE taxes are not 30%. They are at most ~15%, including the employer portion. Employer also pays FUTA tax, and has additional payroll expenses (like fees and worker compensation insurance). The employee's FICA portion is limited up to a certain lev... | [
{
"docid": "cb98230292e4dc41833451410c889127",
"text": "You're confusing a lot of things here. Company B LLC will have it's sales run under Company A LLC, and cease operating as a separate entity These two are contradicting each other. If B LLC ceases to exist - it is not going to have it's sales run under ... | fiqa |
63be74626233b6b19e8fc19d542594f7 | How do I find a legitimate, premium credit repair service? | [
{
"docid": "df1c8f92bb939890f53041871f05d7eb",
"text": "\"Just a word of warning: Most of the companies that promise to repair your credit are scams or close to them. You could just as easily do yourself what they are going to charge you for. Essentially they write a letter to the credit agencies disputing... | [
{
"docid": "e603269a11966858958015d59829137d",
"text": "\"Don't use a \"\"credit repair\"\" agency. They are scams. One of the myriad of ways in which they work is by setting you up with a bogus loan, which they will dutifully report you as paying on time. They'll pretend to be a used car dealer or some oth... | 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 |
8dc207f2a6c52f1fae196abb8ea3f709 | What benefits do “title search companies” have over physically visiting a land records offices? | [
{
"docid": "e17ffc2a0f6e9a51037f2a78ea0f3f8a",
"text": "Title agencies perform several things: Research the title for defects. You may not know what you're looking at, unless you're a real-estate professional, but some titles have strings attached to them (like, conditions for resale, usage, changes, etc). ... | [
{
"docid": "abed55baf048eefe97f2ddadb318c77d",
"text": "Some examples where an HOA is a positive thing: 1) Amenities: Maybe it is professionally maintained landscaping at the front of the subdivision, or a playground, or community pool. An HOA provides a convenient way to have things like that and share the... | fiqa |
32f987c0aa428410a6abd16dd7ee59bb | Should I buy my house from my landlord? | [
{
"docid": "6a8d461d0de687f5f02652223808e077",
"text": "Never buy a house unless you really want to buy that house. If you want to buy a rental, look around and find the right rental to buy; saving a few hundred on moving costs isn't a good reason to buy the wrong property at the wrong price.",
"title":... | [
{
"docid": "72f8c668c9facea97d1fba0ad6d5cdb9",
"text": "It depends on the terms of the lease, but it's hard to imagine a lease that would allow to do this unilaterally with no strings attached. That means it actually depends not on how much you like your landlady, but on how much she likes you. In general,... | fiqa |
6184edbcc7ae078a3e66b484fa6db27b | Hourly rate negotiation tips for paid internship | [
{
"docid": "d459e150ca648cfee8e5b0562028f8cf",
"text": "Interns are not hired to do work, they are hired so that people at the company can get a look at their abilities in a real situation (not an interview) before hiring them for real. This way instead of 30% of your new hires being a dud, it's more like 5... | [
{
"docid": "9ad7770881b0bdd14d914bab9fe10349",
"text": "10 years into my career. Here are my notes: 1. Don't work overtime as a salaried employee. If there's more work than people then management needs to hire more people. Sure, there are times when shit hits the fan and there's no other option, but tha... | 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 |
0a49539d7d6cc4275c99958e17506f91 | Solo-401k interaction with employer sponsored 401k. Limits of contribution from Schedule C income | [
{
"docid": "447c3f654c405b11900b5814b150328a",
"text": "Alright, team! I found answers to part 1) and part 2) that I've quote below, but still need help with 3). The facts in the article below seem to point to the ability for the LLC to contribute profit sharing of up to 25% of the wages it paid SE tax o... | [
{
"docid": "52fa6334a9bac8de7c2dcf1d70f5f971",
"text": "\"Because 401k's are also used by self employed. A person who has a schedule C profitable income can open a 401k and \"\"match\"\" in whatever ratio he wants, up to 25% of the net profits or the limits you stated. This allows self-employed to defer mor... | fiqa |
b3e1cabe6816b9bb1e33bbb1d6b46c9f | What is the point of the stock market? What is it for, and why might someone want to trade or invest? | [
{
"docid": "d09fd123da8fdc790fbee54b044ccc79",
"text": "The stock market is just like any other market, but stocks are bought and sold here. Just like you buy and sell your electronics at the electronics market, this is a place where buyers and sellers come together to buy and sell shares or stocks or equit... | [
{
"docid": "5454e160157a86cd1775242c0efdbbb4",
"text": "Your understanding of the stock market is absolutely correct theoretically. However there is a lot more to it. A stock on a given day is effected by a lot of factors. These factors could really be anything. For example, if you are buying a stock in an ... | fiqa |
74049bcd1c75b691d4e49865a49c4735 | Credit card issued against my express refusal; What action can I take? | [
{
"docid": "265f8df05a743358d9819a3cef8fc89b",
"text": "I would go speak to the bank manager. With Wells, you have to make sure it is the bank manager and not a service manager or something you are talking to (I learned that a few months ago). Tell her/him exactly what happened in detail and that you want ... | [
{
"docid": "3d5daf9cc17e40cfa669930d0cc5de79",
"text": "Request verification in writing of the debt. They are required to provide this by law. Keep this for your records. Send them a notice by certified mail stating that this is not your debt and not to contact you again. Indicate that you will take legal ... | fiqa |
dcb0e868277955ccbc9eb12c78cb0f88 | What's my risk of buying a house for a friend and sell back to him? | [
{
"docid": "d251b12843b918fca40d78875369fc1a",
"text": "Risks:",
"title": ""
},
{
"docid": "dc3255d6ac2cde2a7fa12e7e607b0cdd",
"text": "\"This is fraud, the related legal code is \"\"11 USC 548 - Fraudulent transfers and obligations\"\"; also see the wiki page for Fraudulent Conveyance in th... | [
{
"docid": "3e6d01e0013c0462160dddf726125ad0",
"text": "If you had an agreement with your friend such that you could bring back a substantially similar car, you could sell the car and return a different one to him. The nature of shares of stock is that, within the specified class, they are the same. It's ... | fiqa |
dd6073349bba9f456c4552cba56254e2 | How to divide a mortgage and living area fairly? | [
{
"docid": "d0a8dfb3b7af002ee8840658871d052e",
"text": "I suggest that you first decide on what %'s of the home value you each have a legal claim to. Then split the mortgage using the same %'s. Then, if someone feels their % is slightly higher, they are compensated because they 'own' a correspondingly highe... | [
{
"docid": "ba2dda2440aab1b0940b723689abe424",
"text": "I don't like it using percentages makes no sense. Find out what market value is for rent and pay 1/2 of that to your partner, adjust annually. You partner should be protected from inflation if he is going to invest in real estate.",
"title": ""
... | fiqa |
3385dfa4c8ad1be4e3fdb1500054d223 | How to maximize small business 401k contribution? | [
{
"docid": "d6bc92aee3c062df68dba5a5407131de",
"text": "My understanding is that to make the $18,000 elective deferral in this case, you need to pay yourself at least $18,000. There will be some tax on that for social security and Medicare, so you'll actually need to pay yourself a bit more to cover that t... | [
{
"docid": "fe2eaf13a3e777530bda721ae7d7b31b",
"text": "\"On #1: One way to make it less painful is to \"\"split\"\" your raises between yourself and your 401k. That is, if you get a 2% raise, increase your contribution to the 401K by 1% and keep the other 1%. Keep doing this until you are maxed out. You wo... | fiqa |
1852f3a9090309a004af89b460a8066c | VAT and German freelance working on international project | [
{
"docid": "6af2d7c818f1572b426e4c57f8e217fe",
"text": "\"11 / 111 / 11111 looks like the (old) tax number: it is used by the tax office to know who you are, it isn't good at all for the spanish company. It would even change when you move inside Germany. VAT IDs are not exclusive to GmbHs (but a GmbH alway... | [
{
"docid": "e64e4e41b617d2c494ffa890cb6abe93",
"text": "After a bit of rooting around the HMRC sites, I found this page which says this: One key difference is that digitised products are classed as electronically-supplied services for VAT and customs duties. These services are: For VAT purposes, the place o... | fiqa |
f2ec7e5d61c2fa9e4d8eac61ddb0d9ff | Best way for for soon to turn 18 to learn about money? | [
{
"docid": "0c3222f7e7299fa077a176bf2df9e034",
"text": "\"Excellent questions! Asking such questions indicates something special about yourself. The desire to learn and adjust your beliefs will increase your chance of success in your life. I would use a wide variety of authors to increase your education.... | [
{
"docid": "1db35e8bb017eb451eefdecf893b4c9d",
"text": "\"The most common way to handle this in the US is with a UTMA account. UTMA is the Uniform Transfers / Gifts to Minors Act (\"\"UTMA\"\" or \"\"UGMA\"\") which is a standard model law that most states have passed for special kinds of accounts. Once you... | fiqa |
207085685c8aa686a8b4350f63e821ed | Why do consultants or contractors make more money than employees? | [
{
"docid": "1f0b77539fde6780785caa9c608426fb",
"text": "The benefits and taxes thing, in my opinion is the biggie. Most people don't realize that the cost to the company for a full-time employee with benefits can be 2x or even 3x the amount they see in their paycheck. Health plans are extremely expensive. ... | [
{
"docid": "496bc8c184def81836ac19d3315ff668",
"text": "\"Comission is a must when doing sales. That is the best (and only good) incentive to sell more. How much you want to give all depends on margins, the salary level that is accepted in your state/country and what sellers you have (young or old). Salary... | fiqa |
d13bd7b39c8ba05cbf2efaae1bbfb27e | Why invest for the long-term rather than buy and sell for quick, big gains? | [
{
"docid": "992515091016e92c23ab724308d91cbb",
"text": "\"There are people (well, companies) who make money doing roughly what you describe, but not exactly. They're called \"\"market makers\"\". Their value for X% is somewhere on the scale of 1% (that is to say: a scale at which almost everything is \"\"vo... | [
{
"docid": "f38781d51f018d03d48fa9ad598f6afa",
"text": "And more than that it would encourage people to invest in companies for the long term, allowing Executives and CEO's and such the breathing space to make a tough decision that's bad in the short term but good in the long term... Rather than hiring a p... | 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 |
070776ec47af2e831d041d0fb80ef1b8 | Is inflation a good or bad thing? Why do governments want some inflation? | [
{
"docid": "f573cc1a292826d1bce978f3d56e90e9",
"text": "\"Sensitive topic ;) Inflation is a consequence of the mismatch between supply and demand. In an ideal world the amount of goods available would exactly match the demand for those goods. We don't live in an ideal world. One example of oversupply is ... | [
{
"docid": "03a4b24c6aa6c38203ae620e6cd57088",
"text": "Good points. I'd like to add some more: 6. Automation is deflationary 7. Low birth rate is deflationary 8. Declining educational level is deflationary 9. Migration of uneducated people is deflationary 10. Declining EROI is deflationary The p... | 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 |
38200743712e6f1ada58ec9185040f6c | Why does the share price tend to fall if a company's profits decrease, yet remain positive? | [
{
"docid": "4f7411e3e119a2b3298493ebef4d8a66",
"text": "It has got to do with market perceptions and expectation and the perceived future prospects of the company. Usually the expectation of a company's results are already priced into the share price, so if the results deviate from these expectations, the s... | [
{
"docid": "34c9f459817d83133cb77ce55d4178e9",
"text": "\"There are a few reason why the stock price decreases after a dividend is paid: What's the point of paying a dividend if the stock price automatically decreases? Don't the shareholders just break even? Companies have to do something with their profit... | fiqa |
82a83671772515131ebe5bc12113d7cf | When does it make financial sense to take advantage of employer's tuition reimbursement program? | [
{
"docid": "786cf9872594cfd472204fe209f10512",
"text": "\"If you have decided to do the degree, and are simply deciding whether to accept employer funding for it or not, take the funding. I see no difference between \"\"my employer doesn't pay my tuition\"\" and \"\"my employer paid my tuition but I had to ... | [
{
"docid": "9036427a7e173705638693fae915e13e",
"text": "I don't believe there exists a tax-advantage for paying employees a bonus instead of increased salary. It's all expense to the employer, it's all income to you, and it's taxed the same (bonus checks might have more withheld, but your end of year tax bu... | fiqa |
4ca81c21e8fe101490485a91d6c3c31c | How can I stop a merchant from charging a credit card processing fee? | [
{
"docid": "9a698c0e53d922a16a843c86718e60fc",
"text": "You can report the violation to the payment network (i.e., Mastercard or Visa). For instance here is a report form for Visa and here is one for MasterCard. I just found those by googling; there are no doubt other ways of contacting the companies. Nee... | [
{
"docid": "34b428b4393f4ea8ffddd550e0bb6792",
"text": "I would like to offer a different perspective here. The standard fee for a credit card transaction is typically on the order of 30 cents + 2.5% of the amount (the actual numbers vary, but this is the ballpark). This makes small charges frequently unpr... | fiqa |
e66801a159553175a47c9e3f05c85ca4 | Should I find a regular job or continue doing what am doing? | [
{
"docid": "949f3a4e415633760c540268921a224e",
"text": "\"This might sound harsh, but the first thing I would suggest is to stop making excuses. I wasn't able to continue due to pressure from college and family The college I went to was horrible. Employers can very easily hire foreign work-force for very... | [
{
"docid": "748e2008b35a950755dc89d23bd08a3b",
"text": "Go for the economics course; the entry level accounting/finance positions don't demand much in-depth knowledge, so you can either take extra courses or build on your economics background and learn on the job. At least for those couple of years at uni d... | fiqa |
e794c77a4890fb19095af384e7cc1079 | Can I claim the standard deduction being an Indian citizen and non-resident in USA for tax purposes? | [
{
"docid": "7b6283d1a0db1485ca2d42467220e43e",
"text": "Prachi - While most non-resident aliens are not allowed to claim the standard deduction here are some exceptions: IRS Law under Article 21: ARTICLE 21 Payments Received by Students and Apprentices This falls under the U.S.A.-India Tax Treaty. Sources: ... | [
{
"docid": "63238e9d664cfacc3ece2a668d6ff64e",
"text": "The DTAA (Double Taxation Avoidance Agreement) Article 20 will apply to the Provident Fund money received while you were a resident in the US. Yes, you will add the Interest received on PF (Interest only for the year/s when you were a resident of US, a... | fiqa |
55decbabcf1ff5d7ea4da5af55edc020 | How to get a credit card as a minor? | [
{
"docid": "57df0258a0afb33df7402a40ec2fc121",
"text": "In general, minors cannot enter into legally binding contracts -- which is what credit accounts are -- so an individually held card is probably not an option for you right now. You will not be approved for a credit card because you are minor. The o... | [
{
"docid": "db39d960adc97bf1d05e0c089f4b5395",
"text": "If you've never had a credit card before a likely reason can be due to lack of credit history. You can apply for a department store card. Nordstroms, Macy's, Target will often grant a small line of credit even with no history. Target would be my first ... | fiqa |
1a9ac72995145a52cd5c6910b1bfedad | Ideal investments for a recent college grad with very high risk tolerance? | [
{
"docid": "67a8f8a83db55a5a110890deeebbdcf3",
"text": "\"You have a high risk tolerance? Then learn about exchange traded options, and futures. Or the variety of markets that governments have decided that people without high income are too stupid to invest in, not even kidding. It appears that a lot of thi... | [
{
"docid": "be1457dce52fb089a066c59174891798",
"text": "\"First, I'd like to congratulate you on your financial discipline in paying off your loans and living well within your means. I have friends who make more than twice your salary with similar debt obligations, and they barely scrape by month to month.... | fiqa |
3edef8bb5daf07f1c558da94134e944d | Is it wise to invest in a stock with a large Div yield? | [
{
"docid": "f28f50d44f6bb36c97ceb1f8fd233f50",
"text": "You should not buy soley for the dividend. The price of BHP is going down for a reason. If you hold until the full years dividend is paid you will make 11% (which is $110 if you bought $1000 worth of shares), but if the share price keeps dropping, you ... | [
{
"docid": "cafffcc507a7d7a0376e05fbf08013fd",
"text": "Nobody can give you a safe 6% return with that portfolio under current conditions. It looks like the current 10 year treasury is yielding about 2.2%. With 60% in bonds, the stocks would have to yield about 12%, which just isn't happening safely now.",
... | 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 |
6af0d244372d12efe8871c3ae2acdbb7 | I may earn a lot of cash soon through self-employment on a lucrative project. How to handle the tax? | [
{
"docid": "a0886a3237c8fd6c80dd566250f6056b",
"text": "Seek professional advice as duffbeer703 has suggested already. Very important! Consider incorporating. If your income will fluctuate year to year, you can keep profit in the corporation, taxed in its hands at the Canadian small business rate, since s... | [
{
"docid": "441d66b4f3a0b06654ca14ea69393c53",
"text": "You better consult with a tax adviser (EA or CPA) on this, my answer doesn't constitute such an advice. Basically, you're selling stuff on Kickstarter. No matter how they call it (projects, pledges, rewards - all are just words), you're selling stuff. ... | fiqa |
588674949f07f1cfaf8e1cc9c0d2a088 | Why would someone want to sell call options? | [
{
"docid": "8a7d5bb9f5b02c43dd51ea2a03fdac26",
"text": "You appear to be thinking of option writers as if they were individuals with small, nondiversified, holdings and a particular view on what the underlying is going to do. This is not the best way to think about them. Option writers are typically large ... | [
{
"docid": "4215d59595db6fef019e68352fc63517",
"text": "\"This is a really bad idea. You are asking to be forced to pay for something at a time when you most likely NOT want to buy it. Why? There is no stability (much less any degree of predictability) to give up the right to control when and for how much y... | fiqa |
c6b2701cb99e21d941dc0e650335fb71 | What to do with a distribution as a young person? | [
{
"docid": "a7bcd917fe07b351cca0a1b88d3050c8",
"text": "\"I have money to invest. Where should I put it? Anyone who answers with \"\"Give it to me, I'll invest it for you, don't worry.\"\" needs to be avoided. If your financial advisor gives you this line or equivalent, fire him/her and find another. Before... | [
{
"docid": "417788a27757388ee1628c3dc8eb5dfb",
"text": "\"Put Options for Kids: You have a big box of candy bars. You saved up your allowance to get a lot of them, so you could have one whenever you want one. But, you just saw a commercial on TV for a new toy coming out in one month. Your allowance alone wo... | fiqa |
7f4d38d1929d5f533dd1ce091854f477 | How much money do you have to make every year before you have to pay tax? | [
{
"docid": "eaf49cfcd2a5ddfdcc47d4ebf7667b29",
"text": "I'm not confident that the requirements for 2017 are up yet, but assuming they don't change much from those of 2016, then probably not if you have no other earnings this year. If you make $500 a month, then you will make $6,000 this year. This is belo... | [
{
"docid": "5a4c4236ded9295989685f6285ca1644",
"text": "There are quite a few things you would need to do; Estimate how much you are earned, find out the tax liability and pay the tax in advance to Income Tax. You can do it online as well, go to the Income Tax website The interest you earn is also taxable a... | fiqa |
8c77eb67206681a16aaa85f79d1195c8 | Paying taxes on income earned in the US, but from a company based in Norway | [
{
"docid": "2226740c96f085d39471c7c914edee3f",
"text": "If you are paid by foreigners then it is quite possible they don't file anything with the IRS. All of this income you are required to report as business income on schedule C. There are opportunities on schedule C to deduct expenses like your health in... | [
{
"docid": "7fd6d379a23acdd8369d63e87fb51d0e",
"text": "You're not physically present in the US, you're not a US citizen, you're not a green card holder, and you don't have a business that is registered in the US - US laws do not apply to you. You're not in any way under the US jurisdiction. Effectively co... | fiqa |
7bee40ebc54ddd8c91450fa7b39eb978 | Should I have a higher credit limit on my credit card? | [
{
"docid": "97a2903821f7acbb9f77ad0751d46a3b",
"text": "\"There is no \"\"golden rule\"\" on how high of a credit limit an individual should have. There are 22 year olds that have $100,000 credit limits and 40 year olds that have $1000. The most important thing is to not over spend and pay your balance(s) i... | [
{
"docid": "17a03308d7c009459dca69589c8f4eb8",
"text": "There is no catch. You've been a good customer and your bank wants to reward you for it. One of the ways you build credit is by having more credit available. So by increasing your credit limit, its lowering your credit utilization rate (one of the fact... | 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 |
e3f3dcf3596b726c4b921b7687f2f526 | Money transfer from Australia to India - avoid receiving ends service tax | [
{
"docid": "48aa72e0f6ae4c58204f8d146c9af0b7",
"text": "All Bank fees were included in the service tax ambit [For example Check bounce, issue of duplicate statement, fees charged for remittance etc]. However as quite a few Banks structured the Remittance Business to show less charges and cover the differenc... | [
{
"docid": "2335c529b2a79cd1f83f13f9d7143e9a",
"text": "You can receive money directly into your savings bank account. It is perfectly legal. FYI the Bank as part of regulation would report this to RBI. As the funds are received for the services you have rendered, You are liable to pay tax on the income. Th... | fiqa |
33df29c7b2b01c85609d6c1281399281 | Possibility of donations in an educational site | [
{
"docid": "a8bf89a0d530f2ee38e176a9f9378954",
"text": "You can have a way for people to pay, i.e. some kind of payment gateway. Run as Business: Best create a company and get the funds there. This would be treated as income of the website and would be taxed accordingly. One can deduct expenses for running ... | [
{
"docid": "c192d27c9016708470d14d6d7cf7fe62",
"text": "It's a good question. We can't know for sure, but here are some things to think about. Paypal advertises a discounted transaction rate for non-profit organizations. In the U.S. at least, the rate they advertise is 2.2% + 0.30 USD. There are lots of t... | fiqa |
81b65ca55236c472160eb928dd4ddd53 | Can two companies own stock in each other? | [
{
"docid": "ff877f1b75ec383bd26eeb7c552b25cd",
"text": "Yes, this can and does certainly happen. When two companies each own stock in each other, it's called a cross holding. I learned about cross holdings in reference to Japanese companies (see Wikipedia - Keiretsu) but the phenomenon is certainly not excl... | [
{
"docid": "49116813bdaca2a97e43c13f41359d5c",
"text": "The CEO of a public company can, and often does, buy (and sell) the stock of his company. In fact, frequently the stock of the company is part of the compensation for the CEO. What makes this legal and fair is that the CEO files with the SEC an announc... | 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 |
e4fd619a23892bf59517373f282dafcb | Tax considerations for outsourcing freelance work to foreign country | [
{
"docid": "eb6a63bb1abd8ee6d5c4b1cde0087a9f",
"text": "I took littleadv's advice and talked to an accountant today. Regardless of method of payment, my US LLC does not have to withhold taxes or report the payment as payments to contractors (1099/1042(S)) to the IRS; it is simply a business expense. He sai... | [
{
"docid": "3db51ddabf9b2150a0a0e9952e75348c",
"text": "Generally for tax questions you should talk to a tax adviser. Don't consider anything I write here as a tax advice, and the answer was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that... | fiqa |
9556bcebe33dab25e962e39927028cd1 | Are there brokers or companies who trade Forex and make money for us on our investment? And do you think fxtradeinvestment is legit? | [
{
"docid": "ef19f9bbaaf703cd0cc967bc14a54c87",
"text": "So you think there is a business that can take $X and in two weeks turn it into $10X plus their profit. That means that in two weeks you can turn $1,000 into $10,000. So every two weeks you add a zero, in six weeks you add 3 zeros. In 12 weeks total y... | [
{
"docid": "90da52d0db0ff30eb04f78eb18a7a3d0",
"text": "While most all Canadian brokers allow us access to all the US stocks, the reverse is not true. But some US brokers DO allow trading on foreign exchanges. (e.g. Interactive Brokers at which I have an account). You have to look and be prepared to switc... | fiqa |
db13b661be96c9c175275fc46ce9df78 | How much time would I have to spend trading to turn a profit? | [
{
"docid": "0c76fe4c4a54eb8b479128234d7f9d32",
"text": "Don't go for the 'fast buck'. There's no such thing. There are two types of people that make money on the stock market: Investors and Speculators. Investors are people that pick a stock that's relatively low, relatively secure, and buy the stock for th... | [
{
"docid": "15c5d78ccb8d6d61e0703f8875d028f5",
"text": "\"Yes, of course there have been studies on this. This is no more than a question about whether the options are properly priced. (If properly priced, then your strategy will not make money on average before transaction costs and will lose once transac... | fiqa |
b3dc97517c5d115906a8d4487c2ac976 | Formula for recalculation of a bad loan, i.e. where payments were missed? | [
{
"docid": "9b08eab56371c4bf7d572dbbe7e1e467",
"text": "There's not quite enough to answer the question in full. For the two years of non-payment, were there any penalties, or just accrued interest? If no penalties, this is a 3 step time-value-of-money calculation. First, take the terms of the loan and figu... | [
{
"docid": "9269ac9dbe2b303176fc7b1fd4142849",
"text": "Easier to copy paste than type this out. Credit: www.financeformulas.net Note that the present value would be the initial loan amount, which is likely the sale price you noted minus a down payment. The loan payment formula is used to calculate the pa... | fiqa |
c203eb3d93c4016ced07e9489a32298b | How long should I keep an uncleared transaction in my checkbook? | [
{
"docid": "dfc8b4ac66841b0a87d38e2d924bfa1c",
"text": "\"Typically I'll carry the charge for quite awhile, up to a year. If it hasn't cleared by then, I contact the institution that should have received the money to see what they want to do about it. If they tell me not to worry about it, then I change t... | [
{
"docid": "4e7513119ee46fe0559c8aa9b8f93617",
"text": "I have been using Bill Pay from BoA, Chase, and a local Credit Union, all for at least five years (maybe even 10), and never had any issues with lost checks. Sometimes, an address given to me was incorrect, and what happens is either nothing (meaning, ... | 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 |
9b4555bca63f9ac69095d2590816d7df | Definition of gross income (Arizona state tax filing requirements) | [
{
"docid": "b31ab8ae55f25f15b2f8ae758ea49bcd",
"text": "Disclaimer: I am not a tax professional. Please don't rely on this answer in lieu of professional advice. If your sole source of Arizona income is your commercial property, use the number on line 17 of your federal form 1040. This number is derived fro... | [
{
"docid": "8f5439eccba9927dbad2c3edb01e31dd",
"text": "Such activity is normally referred to as bartering income. From the IRS site - You must include in gross income in the year of receipt the fair market value of goods or services received from bartering. Generally, you report this income on Form 1040, S... | fiqa |
377bc939fce64794a6a37a1a5f17efeb | How is Discover different from a Visa or a MasterCard? | [
{
"docid": "733a24dc9aff8589d4a617d2d8f05503",
"text": "Each of those is a network. Merchants displaying their logos - participate in their network and will accept cards that bear the same logo. Most merchants participate in more than one network. Discover is mostly used in the US, while Visa, Mastercard an... | [
{
"docid": "bb5469222c16ac4039cbea26d8475e07",
"text": "I guess it depends on your bank. My bank (Rabobank) recently did introduce this feature. You don't get a card per category, though. Instead you set up rules to match each expenditure to one of the existing pots.",
"title": ""
},
{
"docid": ... | fiqa |
ad5878800ba3ecfed3cb29eae1c1a2f2 | Transfer money from a real estate sale in India to the US | [
{
"docid": "97e9259c518f4940289b7fbc3d202c9b",
"text": "How would I go about doing this? Assuming you had purchased the house by funding from your NRE account, you can easily move back the 30K into NRE Account and out of India from NRI Account. The 30K profit would be taxed in India as per capital gains and... | [
{
"docid": "3bb072e755ce59b9c53a54cf0cfeffd8",
"text": "\"Transferring the money or keeping it in US does has no effect on taxes. Your residency status has. Assuming you are Resident Alien in US for tax purpose and have paid the taxes to IRS and you are \"\"Non-Resident\"\" Indian for tax purposes in India ... | fiqa |
a6316b1583a83d2b2e3f4b1112406272 | How can a Canadian establish US credit score | [
{
"docid": "71c5d6bcf38f61d6e21be33a3a5e1dd3",
"text": "Sorry. As far as I know, a person's SS is the only way to establish credit. This is the first thing they ask whenever you apply for any service in the US.",
"title": ""
},
{
"docid": "c01f6134cede65f12425fb5a39d1ce54",
"text": "1) The e... | [
{
"docid": "0c9e775e3cbdb0666196bc0c97ef20bf",
"text": "My son who is now 21 has never needed me to cosign on a loan for him and I did not need to establish any sort of credit rating for him to establish his own credit. One thing I would suggest is ditch the bank and use a credit union. I have used one for... | fiqa |
65e4ea253fadfa9a81aa39d4480a53a2 | What are some examples of unsecured loans | [
{
"docid": "2c90b77f8c8fd8d9d56cc1222431a44c",
"text": "Unsecured loan is any loan that you don't provide an asset as a collateral for. Auto loans are usually secured - by the auto. If you don't pay off the car, it will be repossessed. Credit cards are a good example, personal/business loans are also usuall... | [
{
"docid": "6f2c27c7f73773c5751edef1d9d7f003",
"text": "\"This does not seem, to me, to be a very good indication regarding the risk of the person not paying their balances off. If you do not have a source of income then how are you going to repay your debt. Not to mention there is recource for creditors... | 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 |
437976e5ef6ef62fc6c244f3454ea198 | Claiming income/deductions on an illegal apartment | [
{
"docid": "65bc5338bad575f4bc0169ee47ffdffd",
"text": "The IRS demands and expects to be paid tax on all taxable activity, including illegal activity. If they expect drug dealers, hit men, and smugglers to pay tax, they expect you to pay tax on your basement apartment. The flip side of this is that the IR... | [
{
"docid": "818bd7c198f0113490836e80cfdaac75",
"text": "\"The founders almost certainly owe tax on the \"\"income\"\" represented by the rent they aren't being charged. It isn't clear whether the corporation also owes income tax on the rent it is not receiving back from them. You definitely want advice from... | fiqa |
c1da2cfab809746e6f10194e4d442a45 | Pros, cons, and taxation of Per Diem compensation? | [
{
"docid": "a55590f255c2b3d24ffece099c5370f3",
"text": "Hence new employer pays a part of the salary as per diem compensation along with regular salary and says that per-diem compensation is non-taxable. Per-diem is not taxable. But that is not what you're describing. It appears that either you or the p... | [
{
"docid": "ce7cb5a5d9b8be5affaeffbeaafb039f",
"text": "\"TLDR: There are no to few monetary downsides. The process of settling an estate is called probate. Creditors can make claims against the estate, and assets should stand to pay any debts. If more debts are owed then assets, the beneficiaries are no... | fiqa |
16d0efea5a3d5d165e30247a32dde287 | Best way to day trade with under $25,000 | [
{
"docid": "1623a2eb8a76a355435bac24727d8667",
"text": "\"The T+3 \"\"rule\"\" relates only to accounting and not to trading. It does not prevent you from day trading. It simply means that the postings in you cash account will not appear until three business days after you have executed a trade. When you... | [
{
"docid": "32e71fb321d39a1fceb84c0481f32a5c",
"text": "Put £50 away as often as possible, and once it's built up to £500, invest in a stockmarket ETF. Repeat until you retire.",
"title": ""
},
{
"docid": "14dc35868b7480da0985d6b8c5fec786",
"text": "\"I think you have a really good idea, kud... | fiqa |
849b1d84680cdece8e586517dea23f60 | Pay via Debit Card or Bank's portal | [
{
"docid": "64074a801b0f088a5d1880b455f1d083",
"text": "There are reward points that you have already mentioned. Some banks also give reward points for netbanking transfer, although very few and less than debit card. On a fraudulent site, debit card adds a layer, if compromised, easy to change. i.e just hot... | [
{
"docid": "83f758c9b6e7d0361a0f2e31ea2af083",
"text": "\"Just to add about using debit card as \"\"credit\"\" vs \"\"debit\"\" way: In addition to the difference of having to enter the PIN when using \"\"debit\"\" mode (vs having to sign in \"\"credit\"\" mode), for stores that offer cash back (i.e. get ca... | fiqa |
8a242ec031087e26f9323c923c6837ad | Can I transfer self-employed income into LLC? | [
{
"docid": "8c53d1b2149e29a06ade529876aca990",
"text": "An LLC is a very flexible company when it comes to taxation. You have three basic tax options: There are other good reasons to create an LLC (mainly to protect your personal assets) so even if you decide that you don't want to deal with the complicati... | [
{
"docid": "d1615745da3647b443c39582cb81ad81",
"text": "If you're simply trading with your own money and have not incorporated, then you are not eligible for a solo 401(k). Nerdwallet has an excellent Q&A on the topic here for example. Solo 401(k) is only allowed to be funded with earned income, and capit... | 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 |
f5964b48c7e9f94aedcf1c2e6bdeba7e | How can I determine if leaving a lower paying, tax advantaged, job for a higher paying one makes sense financially? | [
{
"docid": "ca4e08fd07ce1d7ceac49708e140e482",
"text": "You'd be moving from 33.5K of taxable income + 16.5K of untaxable income, to 65K of taxable income (worst case). So the question is whether the net from the extra 31.5K of taxable income is more than the 16.5K, and since marginal tax rates in the relev... | [
{
"docid": "d2bef708357c3948a454507e2a585bd5",
"text": "So we can lower your taxes, although at a cost of say 4 million federal employees. Now the fun begins... your market is flooded with new employees, so many people applying there isn't a reason to keep you at your pay. It's 2008 again, you lost your job... | fiqa |
53d6ffd4fb4bcf81f2c3437b3797a60c | What should I do with a savings account in another country? | [
{
"docid": "008eec2f9a9fffc7f7eb1d9a15c8fb58",
"text": "If the fees to keep the account open are reasonable then it's worth keeping it open for now. It streamlines things if you need to visit or otherwise have business transactions (e.g. order things from online stores) with France or other EU countries. ... | [
{
"docid": "259c8a36df993034b5efd5360444ceb7",
"text": "Maintain your U.S. bank accounts. Use xe.com to transfer money back and forth.",
"title": ""
},
{
"docid": "1c964a9c684aca655197840dd636a5b7",
"text": "\"There is no \"\"should\"\", but I am strongly of the view that if you have savings... | fiqa |
570de3857edba5a00a3da4c99aaef470 | Help! I've cancelled their service, but this company continues to bill my credit card an annual fee. What can I do? | [
{
"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... | [
{
"docid": "0e93cbdabff605d2c1fe070739704a26",
"text": "I have an American Airlines VISA with miles that has no annual fee, but only because I request that they waive the fee each year. Word to the wise - they've never refused.",
"title": ""
},
{
"docid": "6a80d084921f3ee86d7bbdf4f607936c",
... | fiqa |
000f1d0edc6209eccaa3ac83258f2d43 | Do I need to file a tax return as a student? | [
{
"docid": "58fd1222e8565395bee7290f7a71a3e3",
"text": "\"In the U.S., Form 1040 is known as the tax return. This is the form that is filed annually to calculate your tax due for the year, and you either claim a refund if you have overpaid your taxes or send in a payment if you have underpaid. The form is... | [
{
"docid": "70cf8d23890f8f5e17526f378a4ec318",
"text": "\"In a word, no. If your income is high enough to have to file a return, you have to file a return. My accountant has a nice mindset for making it more palatable. I'll paraphrase: \"\"Our tax system is ludicrously complicated. As a result, it is your d... | 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 |
ffc1a797a9776c8f1328cd338d57270d | How does a online only bank protect itself against fraud? | [
{
"docid": "51fc55d0608b3e0ebf101e5489f185cb",
"text": "\"Much of what you're asking will not be disclosed for obvious security reasons, so don't be surprised when call center people say they \"\"don't know\"\". They may actually not know, but even if they did, they'd be fired if they were to say anything.... | [
{
"docid": "979874a2e7d72457723c267c0fd231de",
"text": "\"Yes, your privacy is invaded, that's the law in many jurisdictions. The goal is to make money laundering and financing Evil Things harder. That's why banks are required to request proof for every money transfer larger than a specific sum. This is onl... | fiqa |
4c31b5e9a3620549bfcafd9cdf3f8709 | Should I lease, buy new, or buy used? | [
{
"docid": "0b6cb4f01e80e8edc7cf6f1eaab104c7",
"text": "\"Welcome to Personal Finance and Money. This answer will depend a lot on what is most important to the buyer, for example, whether it is important to always be in a newer car, to save money, or strike a balance between the two. There are trade-offs an... | [
{
"docid": "79b11649d690b24c7378ff5f0ec8ef65",
"text": "There are some who argue that you should lease an electric car. These factors are in addition to all the normal pros and cons of leasing vs. buying. The technology is still new and is advancing rapidly. In 2-3 years, the newer model may have significan... | fiqa |
d43652a8993b3c37bc8a114bbc53e6e0 | Huge return on investment, I feel like im doing the math wrong | [
{
"docid": "75aa836bc1953b760977b22d48272ce3",
"text": "\"Your math is correct. These kind of returns are possible in the capital markets. (By the way, Google Finance shows something completely different for $CANV than my trading console in ThinkorSwim, ToS shows a high of $201, but I believe there may have... | [
{
"docid": "a0f9c638a7c7fec5710781b49a98dfc8",
"text": "The math is wrong. $16m grows to $72b over 44 years at 21% return (exact return is (72000/16)^(1/44) - 1 = 0.21067). At one percentage point lower return, i.e. 20%, $16m grows to $50b (16m x 1.21^44 = 49.985b). In that case you would have paid about 30... | fiqa |
5519fd18b8ac5e7104d6bc2da836bb54 | What is the best way to short the San Francisco real estate market? | [
{
"docid": "10816707b5c52aac08723ba5d56c1ca8",
"text": "The most obvious route is to short the lenders, preferably subprime. Since there are no lenders that operate exclusively in San Francisco, you could look north at Canada. The Canadian real estate market (esp. Vancouver) is just as overheated as the San... | [
{
"docid": "e0e1da3c3c3547ae5780093afe39e3fb",
"text": "Without commenting on your view of the TV market: Let's have a look at the main ways to get negative exposure: 1.Short the stocks Pros: Relatively Easy Cons: Interest rate, costs of shorting, linear bet 2.Options a. Write Calls b. Buy puts Pros... | fiqa |
fc13a6f297c142622fc8640871d47309 | Are there online brokers in the UK which don't require margin account? | [
{
"docid": "47f681c53204da52d55b8b93905710db",
"text": "I don't know what you are on about, as most online brokers should offer standard brokerage without margin. As trading with magin is considered more risky by most (especially if you don't know what you are doing), so one would have to fill out additiona... | [
{
"docid": "f8b2de9570f33646c62ec89ff9eaf61f",
"text": "To start trading at a minimum you need 3 things; Bank Account: This again is not must, but most preferred to transact. Quite a few broker would insist on this. Demat Account: This is must as all shares on NSE are held electronically. The custodians are... | fiqa |
87d95502b4a55d97b77c58a55384f46c | Is there such a thing as a deposit-only bank account? | [
{
"docid": "28e1f72ba698af26332cbfc0cb7960dc",
"text": "Do you write checks? You are giving your bank account and routing number to anybody you have ever given a check to. Your employer is paying taxes on your behalf, so they need your social security number so they can pay your social security taxes. Acc... | [
{
"docid": "aaa8aad4c12291860d68cfacd8f7b6ed",
"text": "I found out there is something called CDARS that allows a person to open a multi-million dollar certificate of deposit account with a single financial institution, who provides FDIC coverage for the entire account. This financial institution spreads t... | fiqa |
f9e0e2f8071c6682dceccbe94ebac7bc | Do you know of any online monetary systems? | [
{
"docid": "16eec6bc9a13b3023ebff90f47c4410f",
"text": "I recently came across bitcoin, it is what I was really looking for at the time.",
"title": ""
},
{
"docid": "890e8e0a93a34ffc61874715ecaac7a2",
"text": "\"You say you want a more \"\"stable\"\" system. Recall from your introductory eco... | [
{
"docid": "6ffed1ba7c7a5456be4234ae36bda59c",
"text": "Online banks are the future. As long as you don't need a clerk to talk to (and why would you need?) there's nothing you can't do with an online bank that you can with a brick and mortar robbers. I use E*Trade trading account as a checking account (it a... | fiqa |
b18dec5a57fd4db4c31e17c72987d492 | Is buying and selling Bitcoin (and other cryptocurrency) legal for a student on F-1 Visa doing OPT in USA? | [
{
"docid": "68d069f48a9bebbba5227acc3570bd26",
"text": "Given your clarification that you re only intending to use cryptocurrency as a capital asset & a long term investment vehicle, and not as a business day trading or trading for others, I would say this definitely is NOT illegal. The tax man says cryptoc... | [
{
"docid": "302477bcb2eda09a78915b86bcdbb8b0",
"text": "Could you not just say that you had bought it when it was pennies on the dollar and made the millions that way? There isn't much of a transaction record, is there? I also just realized that I don't understand how taxes work in that situation. If you ha... | fiqa |
183c2430735b24c2a3decd1f92c0d3c3 | Why does HMRC still require “payment on account” after I have moved to PAYE? | [
{
"docid": "ca75b97e085b17ef6c1513cfadd48375",
"text": "The Government self-assessment website states you can ask HMRC to reduce your payments on account if your business profits or other income goes down, and you know your tax bill is going to be lower than last year. There are two ways to do this:",
"... | [
{
"docid": "be55d01ea3210d4e85ba15cac77c8570",
"text": "However, if you are employed by a company that exists in a tax haven and your services are provided to an employer by that tax haven company, it is the tax haven company that gets paid, not you. Under various schemes that company need not pay you at al... | fiqa |
fec591b3b1a5709c27e09a61e916a890 | High dividend stocks | [
{
"docid": "951b9b0fce84b385eb005e407056b51a",
"text": "Like almost all investing question: it depends! Boring companies generally appreciate slowly and as you note, pay dividends. More speculative investing can get you some capital gains, but also are more likely to tank and have you lose your original inv... | [
{
"docid": "743d2e65a512c9a50e965e0a1b4a80f0",
"text": "\"Dividends telegraph that management has a longer term focus than just the end of quarter share price. There is a committment to at least maintain (if not periodically increase) the dividend payout year over year. Management understands that cutting... | fiqa |
47db6ee330225ffef4c1342fe6d4f0ef | Is there any downside to using temporary credit card numbers with subscription services? | [
{
"docid": "29d14308ca1707942c0fe3a844c420fe",
"text": "I did just what you suggest. The card company honored the charge, they told me the temporary number was solely for the purpose of assigning a number to one vendor/business. So even though I set a low limit, the number was still active and the card comp... | [
{
"docid": "870698d1faf244c51861b34a51f37bd5",
"text": "\"As anecdotal experience, we have a credit account in my name as offered by bank's marketing before I could qualify by common rules for newcomers (I have an account there for years so they knew my history and reliability dynamics I guess), and my wife... | fiqa |
81006808cac45a2116851796cdef44ee | What happens to bank account of non-resident alien who falls out of status? | [
{
"docid": "fe5cc026007dcec1e20591574cf671a4",
"text": "Nothing happens. A bank is a business; your relationship with the bank doesn't change because your visa or immigration status changes. Money held in the account is still held in the account. Interest paid on the account is still taxable. And so on. If ... | [
{
"docid": "b61a88cbf1aeceb13ce3eab226c8f96f",
"text": "Is there any chance of losing money in the account Assuming you are a Singapore citizen. The money is your's to claim. Note the account may go dormant [if you do not transact for a period] as per Bank's norms and they may charge a fees for such accoun... | fiqa |
f69c757e2929a320d552cc998814e4d6 | New 1099 employee with Cobra insurance | [
{
"docid": "57134808323233c6e7940de4f58cb839",
"text": "For the first four months of the year, when you were an employee, the health insurance premiums were paid for with pre-tax money. When you receive your W-2 at the end of the year, the amount in Box 1 of the W-2 will be reduced by the amount you paid f... | [
{
"docid": "3bd0d213ba6bad508c090fa5e0b2dca4",
"text": "Health insurance varies wildly per state and per plan and per provider - but check them out to have a baseline to know what it should cost if you did it yourself. Don't forget vacation time, too: many contract/comp-only jobs have no vacation time - how... | fiqa |
7521d99eeb7880f02c4e211caf20869a | What things should I consider when getting a joint-mortgage? | [
{
"docid": "a2fdf74a17ba25e4650efadf59e8b366",
"text": "The first and most important thing to consider is that this is a BUSINESS TRANSACTION, and needs to be treated as such. Nail down Absolutely All The Details, specifically including what happens if either of you decides it's time to move and wants to se... | [
{
"docid": "8226861e999d5309617e09affbc81fb2",
"text": "\"It's a little unusual, but I don't think the financial terms are completely unreasonable on their face. What you describe is similar to an interest-only loan, where you make payments that only cover the interest due each month, and the entire princip... | fiqa |
ec1f19b8dd923ae8d87ebde022d9d8cc | Benjamin Graham: Minimum Size of the company | [
{
"docid": "2aa8f9bc9b2fedb0eef66df8b2eea64f",
"text": "Smaller markets can actually be more volatile so it's not a good idea to lower Graham's criteria for them. The only real adjustment possible is inflation adjustment. $100 million in 1973 United States works out to $500 million today based on the differ... | [
{
"docid": "debf58d3ff6093e3b7ff39acf901b0fd",
"text": "If any new taxes are levied on me, or my company, as our current President plans, I will have no choice but to reduce the size of this company, Those are income taxes right? So like, he's not saying he will be forced to fire people to maintain a viabl... | fiqa |
f00aeed499d5c3ccce987ab42892e5b1 | W8-BEN for an Indian Citizen | [
{
"docid": "3045b1ad7e9c1c05dfbe5e0f484b250c",
"text": "According to the Form W-8BEN instructions for Part II, Line 10: Line 10. Line 10 must be used only if you are claiming treaty benefits that require that you meet conditions not covered by the representations you make on line 9 and Part III. For examp... | [
{
"docid": "6ecb079d5e8248976f441b805bda8aab",
"text": "Each country will have different rules. I can only speak about the Netherlands. There, there are two options as a resident to open an account. You needed a BSN (Dutch ID number) or a strong reference from an international company sponsoring your resi... | fiqa |
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