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<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Are services provided to Google employees taxed as income or in any way? [/INST] Others have pointed out that many benefits offered by employers "for free" are actua...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> Are services provided to Google employees taxed as income or in any way? [/INST] Companies often provide cafeteria, or catering services, to employees tax-...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Are services provided to Google employees taxed as income or in any way? [/INST] These services and other employee perks are referred to as fringe bene...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Are services provided to Google employees taxed as income or in any way? [/INST] (Regarding one aspect of the question) Here's a survey suggesting new programmers value "free lunch", old programmers do not car...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Taxes due for hobbyist Group Buy [/INST] From the poster's description of this activity, it doesn't look like he is engaged in a business, so Schedule C would not be appropriate. The first p...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Taxes due for hobbyist Group Buy [/INST] You do actually have some profits (whatever is left from donations). The way it goes is that you report everything on your S...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> LLC Partnership Earned Income vs. Partnership Share [/INST] Why would you file four K-1s for each partner? You file one K-1 per partner, on which you repor...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> LLC Partnership Earned Income vs. Partnership Share [/INST] It would appear that you are not actually "equal" partners. You have differently valued int...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> What significant negative factors affect Yahoo's valuation? [/INST] There are two very large negative factors that affect Yahoo's valuation. The first is that their search business is in decline and continues ...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> How do I tell the Canada Revenue Agency that they're sending someone else's documents to my address? [/INST] Maybe just put all his correspondence back in the Post Box and mark it "Wrong add...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Advice on what to do with my equity? [/INST] How will 45K-60K "end up in your pocket"? Are you selling your home? Where are you going to live? You talk about moving ...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> Advice on what to do with my equity? [/INST] What to do with your equity? Leave it alone... </s>
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Child is on the way, invest for college and car fund options - opinions [/INST] Look at your options with a 529 program. If the money is used for educa...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> If I were to get audited, what would I need? [/INST] While IANAL (tax or otherwise), I have always found that keeping original receipts is the only way to go. While anything can, at some level, be forged or fa...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Getting a mortgage while self-employed [/INST] Would it be worth legitimizing his business or is it too late at this point? To be blunt, you're asking if we recommend that he stop breaking t...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Tax liability in US for LLC's owned by an Indian Citzen [/INST] The LLC will not be liable for anything, it is disregarded for tax purposes. If you're doing any work...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> Tax liability in US for LLC's owned by an Indian Citzen [/INST] I am from India. I visited US 6-8 times on business VISA and then started 2 Member LLC. Mys...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> What can I expect to pay when meeting my first financial planner? [/INST] My suggestion would be to ask the planner as an initial question as there cou...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> What can I expect to pay when meeting my first financial planner? [/INST] A complete analysis of your current situation, goals, and formulating a plan to meet those goals, including discussing your risk tolera...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> How to systematically find sideways stocks? [/INST] You can likely use bollinger band values to programmatically recognize sideways trending stocks. Bollinger band averages expand during per...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Who Can I Hire To Calculate the Value of An Estate? [/INST] Generally, it would be an accountant. Specifically in the case of very "private" (or unorganized, which i...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> Will the ex-homeowner still owe money after a foreclosure? [/INST] Yes, the borrower is responsible for paying back the full amount of the loan. Foreclosur...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Will the ex-homeowner still owe money after a foreclosure? [/INST] Generally, yes, although not in all states. According to this article in Time: But i...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Will the ex-homeowner still owe money after a foreclosure? [/INST] It is in the bank's interest to sell the property for as much as they can (although it is doubtful they will put as much effort/time into sell...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Is it ok to just report to 1 credit bureau instead of all 3 [/INST] The reason you would want to report to all three is because lenders don't usually query all three. Thus, it may be that yo...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Why do stocks track the price of Oil? [/INST] Anthony Russell - I agree with JohnFx. Petroleum is used in making many things such as asphalt, road oil, plastic, jet ...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> (Almost) no credit unions in New York City, why? [/INST] There are 2 credit unions in the Metro NY area that are open to everyone: You might also want to c...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> (Almost) no credit unions in New York City, why? [/INST] I would have been tempted to dismiss your claim, but the data I found shows that you're correc...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> The Intelligent Investor: Northern Pacific Railway example [/INST] Without reading the source, from your description it seems that the author believes that this particular company was undervalued in the market...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> The Intelligent Investor: Northern Pacific Railway example [/INST] The company was paying "only" $1 a share in dividends, compared to $10 a share in earnings. That is a so-called payout rati...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> The Intelligent Investor: Northern Pacific Railway example [/INST] Two of the main ways that investors benefit financially from a stock are dividends and increases i...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> Why is a home loan (mortgage) cheaper than gold loan? [/INST] My doubt is whether Govt./Reserve Bank of India gives any explicit incentives to banks to off...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Why is a home loan (mortgage) cheaper than gold loan? [/INST] Why is a home loan (mortgage) cheaper than gold loan? It has to do with risk. Lending mon...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Is human interaction required to open a discount brokerage account? [/INST] You definitely do not need human interaction to open an account at Schwab. You just need to provide a social security number and US d...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Transfering money from NRE account in India to family member [/INST] I am a US citizen and I want to transfer some amount 10 lakhs+ to my brother from my NRE account in India to his account....
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Can saving/investing 15% of your income starting age 25, likely make you a millionaire? [/INST] Yes, quite easily, in fact. You left a lot of numbers out, so lets st...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> Can saving/investing 15% of your income starting age 25, likely make you a millionaire? [/INST] It depends on how much you save, how much your savings earn...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Can saving/investing 15% of your income starting age 25, likely make you a millionaire? [/INST] Millionaire, Shmillionaire! Let's do this calculation B...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Can saving/investing 15% of your income starting age 25, likely make you a millionaire? [/INST] Yes, becoming a millionaire is a reasonable goal. Saving 15% of your income starting at age 25 and investing in t...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Can saving/investing 15% of your income starting age 25, likely make you a millionaire? [/INST] I'll offer another answer, using different figures. Let's assume 6% is the rate of return you ...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Can saving/investing 15% of your income starting age 25, likely make you a millionaire? [/INST] I see a lot of answers calculcating with incomes that are much higher...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> Can saving/investing 15% of your income starting age 25, likely make you a millionaire? [/INST] The article links to William Bernstein’s plan that he outli...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Can saving/investing 15% of your income starting age 25, likely make you a millionaire? [/INST] As others have shown, if you assume that you can get 6%...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Can saving/investing 15% of your income starting age 25, likely make you a millionaire? [/INST] Other people have already demonstrated the effect of compound interest to the question. I'd like to add a totally...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Can saving/investing 15% of your income starting age 25, likely make you a millionaire? [/INST] If by being a millionaire you mean dollar millionaire then I doubt that it is really that easy...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Can saving/investing 15% of your income starting age 25, likely make you a millionaire? [/INST] The really simple answer is that compound interest is compound not li...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> Can saving/investing 15% of your income starting age 25, likely make you a millionaire? [/INST] I just want to point out a couple of things, and I do not h...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Can a Zelle Bank Transfer be reversed or denied after credit has been added? [/INST] After collecting information via web searching, the comments above...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Setting up a LLC for two partners in different states, what should we look into? [/INST] TL;DR: Get a tax adviser (EA/CPA licensed in your State) for tax issues, and a lawyer for the Operating Agreement, labor...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> What are the procedures or forms for a private loan with the sale of a vehicle? [/INST] The Nebraska DMV web site has a neat page about this. It seems to be fairly simple, and not costly to ...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> What are the procedures or forms for a private loan with the sale of a vehicle? [/INST] Draft up a promissory notes. Have a lawyer do it use one of those online cont...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> What is the point of owning a stock without dividends if it cannot be resold? [/INST] Shares often come associated with a set of rights, such as ability to...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> What is the point of owning a stock without dividends if it cannot be resold? [/INST] If that condition is permanent -- the stock will NEVER pay divide...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Does setting up a company for your own improves credibility? [/INST] The key here is that you are defacto running your own company no matter if you acknowledge it or not. In the end these questions have the go...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> How to account for startup costs for an LLC from personal money? [/INST] Typically you give a loan to the company from yourself as a private person, and when the company makes money the comp...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> How to account for startup costs for an LLC from personal money? [/INST] You don't even need to formally loan the LLC any money. You pay for the setup costs out of p...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> How to account for startup costs for an LLC from personal money? [/INST] If you are using software like QuickBooks (or even just using spreadsheets or trac...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> How to account for startup costs for an LLC from personal money? [/INST] How do I account for this in the bookkeeping? Here is an example below: This i...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> How to account for startup costs for an LLC from personal money? [/INST] If you have a single member LLC there is no need to separate expenses in this way since it is simply treated as part of the owner's norm...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> How to account for startup costs for an LLC from personal money? [/INST] An LLC is a pass-through entity in the USA, so profits and losses flow through to the individual's taxes. Thus an LLC...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> What should I do with my freshly opened LLC in California after I've moved? [/INST] There's no reason to keep the California LLC if you don't intend to do business i...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> Why don't banks print their own paper money / bank notes? [/INST] In the US, this was the case during the 19th century. There was a system of "subscription...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Why don't banks print their own paper money / bank notes? [/INST] Who says they don't? In the United Kingdom the Bank of England and the Bank of Scotla...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Why don't banks print their own paper money / bank notes? [/INST] In Scotland, each bank issues its own separate notes. It's not uncommon to see identical-valued £10 notes, for example, from three different ba...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Why don't banks print their own paper money / bank notes? [/INST] Are you talking about printing up more of the same kind of bill, or printing up a different kind of bill? You'll have differ...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Why don't banks print their own paper money / bank notes? [/INST] There is absolutely no logical reason why each nation does not own and control banking and thus the...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> Why don't banks print their own paper money / bank notes? [/INST] Any person at any time may produce their own currency, one can even do so on the back of ...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Why don't banks print their own paper money / bank notes? [/INST] Actually, banks do issue their own money, it's just not embodied as a piece of paper,...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Should I use an NRE or NRO account to transfer money from India to the US? Any reports needed? [/INST] Deposits into NRE account can only be done from funds outside India. So your brother cannot deposit into y...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Should I use an NRE or NRO account to transfer money from India to the US? Any reports needed? [/INST] NRE is better. It's a tax free account, exempt from income tax. NRE account is freely r...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer? [/INST] When you initiate a chargeback, the merchant has the ri...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer? [/INST] So, what's the point of a charge-back, if the...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer? [/INST] The point of a chargeback is to force mer...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer? [/INST] You may be using the wrong method to get your money back. As others have said, this is not a valid ...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Corporate Equity Draw vs Income [/INST] You tagged with S-Corp, so I assume that you have that tax status. Under that situation, you don't get taxed on distributions regardless of what you c...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> What happens if a bank no longer use an intermediary bank? [/INST] If your counterparty sent money to a correspondent account at another bank, then it is completely ...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> How quickly will the funds be available when depositing credit card checks? [/INST] For those who don't know, credit card checks are blank checks that your...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Are credit cards not viewed as credit until you miss one payment? [/INST] K, welcome to Money.SE. You knew enough to add good tags to the question. Now...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Are credit cards not viewed as credit until you miss one payment? [/INST] First, a note of my personal experience: up until a year ago, my credit lines were composed exclusively of credit cards with perfect pa...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Are credit cards not viewed as credit until you miss one payment? [/INST] Not sure what you mean by "missing". Credit card debt can be paid back in full when you get the bill, or you can "ta...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Are credit cards not viewed as credit until you miss one payment? [/INST] I can't think of any conceivable circumstance in which the banker's advice would be true. (...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> Are credit cards not viewed as credit until you miss one payment? [/INST] Of course credit cards are viewed as credit. If you're using money on a credit ca...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Are credit cards not viewed as credit until you miss one payment? [/INST] There's a difference between missing a payment and "carrying a balance" (maki...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Are credit cards not viewed as credit until you miss one payment? [/INST] This does not directly address the question, but how the Bank views your behaviour is not the same as a credit reporting bureau. If you...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Who buys variable annuities? [/INST] An annuity makes sense in a few different scenarios: In general, they are not the best deal around (and are often ripoffs), and will almost certainly be ...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Who buys variable annuities? [/INST] There is always some fine print, read it. I doubt there is any product out there that can guarantee an 8% return. As a counter e...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> Who buys variable annuities? [/INST] Two types of people: (1) Suckers (2) People who feel that investment advisors/brokers make too little money and want t...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Who buys variable annuities? [/INST] I wrote a detailed answer about variable annuities on another question, but I want to include one specific situati...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Why does AAPL trade at such low multiples? [/INST] This is also an opinion, the iPhone makes up too much of the company's total revenue. Last quarter results were very well received because of the somewhat dra...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Why does AAPL trade at such low multiples? [/INST] This is an opinion, but I think it has more to do with the market's uncertainty about the long-term future of the company without Steve Job...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> Can the Standard Deduction still apply to a Traditional IRA early withdrawal? [/INST] IRA distributions are reported on line 15b on the standard form 1040. That is i...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> US tax - effectively connected income [/INST] ECI is relevant to non-resident aliens who are engaged in trade or business in the US. For that, you have to ...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> My wife and I are selling a house worth $230k-$260k. Its a rental. Should we use an agent, limited service listing agent, or FSBO? [/INST] The answers ...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Is it cheaper to use car Insurance or pay out of pocket? [/INST] There's not a single answer here, as the premium you pay for car insurance depends on multiple factors, including (but not limited to): All thes...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> Limited Liability Partnership capital calculation [/INST] Retained earnings is different from partner capital accounts. You can draw the money however the partners agree. Unless money is spe...
<s>[INST] <<SYS>> Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. <</SYS>> How does a “minimum number of items to be bought” factor into break even analysis? [/INST] A minimum purchase quantity just means that you need to round your result ...
<s>[INST] <<SYS>> Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering <</SYS>> FTB sent refund check for 2011 during audit; Does this really mean that whole audit is over for 2011? [/INST] Not it doesn't, and yes they can. If the audi...
<s>[INST] <<SYS>> Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. <</SYS>> Where are the non floated Groupon shares [/INST] The original investors and founders own them. Think about it this way - When you hear that an IPO pric...
<s>[INST] <<SYS>> Share your insights or perspective on the financial matter presented in the input. <</SYS>> Where are the non floated Groupon shares [/INST] Many people have criticized the Groupon IPO model because it doesn't make sense as an investment, unless you are an insider with cheap shares. Basically, you ha...
<s>[INST] <<SYS>> Offer your thoughts or opinion on the input financial query or topic using your financial background. <</SYS>> I just “paid” online with a debit card with no funds. What now? [/INST] There are a few factors at play here. Depending on the bank that has offered you the card there are different types of...