query_id stringlengths 32 32 | query stringlengths 6 5.38k | positive_passages listlengths 1 23 | negative_passages listlengths 9 100 | subset stringclasses 7
values |
|---|---|---|---|---|
0826ad059368d526817387b5786f3ed1 | How can a company charge a closed credit card? | [
{
"docid": "4292a7bd8f3414af85c8a085f74175c4",
"text": "If this is a pre-authorized automatic billing, and if you have signed any contract with the merchant, cancelling may not block any future charges from the merchant. Happens with gyms, magazines, memberships quite often. There is a time period after t... | [
{
"docid": "00e5b6849aa3eb56d71d5a50da47a537",
"text": "\"Well, I answered a very similar question \"\"Credit card payment date\"\" where I showed that for a normal cycle, the average charge isn't due for 40 days. The range is 35-55, so if you want to feel good about the float just charge everything the day... | fiqa |
0dedd82709ce83d5af9ec367ff39f12a | How long does a bank's “Know Your Customer” (KYC) process typically take? | [
{
"docid": "bcdd5b7a7ca2418631c4fb294d0f65cd",
"text": "The idea is to positively identify you with properly issued government ID. If you show up with your passport, visa, and another form of government-issued identification which the banker can recognize and use (for example - international driver's licens... | [
{
"docid": "b427ead79d6bc0ca641b104f8705fd3c",
"text": "I would presume this goes entirely through the credit card network rather than the banking network. I am guessing that it's essentially the same operation as if you had returned something purchased on a card to the store for credit, but I'm not sure wh... | fiqa |
b20ade943cee96557597e6671452a125 | Sage Instant Accounts or Quickbooks? | [
{
"docid": "de17d65e3851f9880f148e6e04324901",
"text": "The company I work with uses Intuit QuickBooks Online and have had zero problems with it. The functionality is effective and it fits the size of our company as well. (Not huge, but I wouldn't consider it a 'small business') Also, you can try a 30 day f... | [
{
"docid": "9e3aeb1e220e254a1b835e73c9e24e8b",
"text": "\"Since this is a cooperative I'm guessing your partners may want to be able to view the books so another key point you may want to consider is collaboration. QuickBooks desktop has all of these same issues because it is meant to be used on a single d... | fiqa |
14ad733f22a29d78324d4fbf323209ed | Sales Tax Licence/Permit - When is it required and how can I make a use of it as a non-US resident selling in USA? | [
{
"docid": "fd92041009e1e4708fcdf3ef4229c67f",
"text": "Sales tax permits come from the state in which your business is operating. You need a business license first for them to issue you one. US sales taxes are collected by the business and remitted to the government, you need the permit in order to do thi... | [
{
"docid": "18aa3fdbbe9aca96da6f7a89dc764210",
"text": "If you sell through an intermediate who sets up the shop for you, odds are they collect and pay the sales tax for you. My experience is with publishing books through Amazon, where they definitely handle this for you. If you can find a retailer that wil... | fiqa |
de95aabdbc807c9781b05344b9206a66 | What IT form to use in India? | [
{
"docid": "cbf6046e290aff0c298d409f0eaf7fa9",
"text": "As you have income from Business / Profession, you would need to use form ITR4S",
"title": ""
}
] | [
{
"docid": "8c44c3df83ffe71f83ceaba813b6c91a",
"text": "\"Form W-9 (officially, the \"\"Request for Taxpayer Identification Number and Certification\"\") is used in the United States income tax system by a third party who must file an information return with the Internal Revenue Service (IRS). It requests t... | fiqa |
0d075b8c1f3b7e62dd0432804966f15e | Can dividends be exploited? | [
{
"docid": "f202937ec26c18b06aa1ba3356b006ad",
"text": "Yes, somebody could buy the shares, receive the dividend, and then sell the shares back. However, the price he would get when he sells the shares back is, ignoring other reasons for the price to change, exactly the amount he paid minus the dividend.",
... | [
{
"docid": "c82725f2c339667dd6c65fc2bae50c3e",
"text": "I'm trying to think it out, but I feel like it would be hard to justify using potential profit sources as material for dividends. Especially your example of wine. Wouldn't it be counterintuitive to take a hit to sales, while still having the cost of pr... | fiqa |
c720c18e0a111285951406fda8f895c9 | Why can't I short a stock that sells for less than $5? Is there another way to “go short” on them? | [
{
"docid": "fcd9990896be0b5c627ec5da25a4af72",
"text": "I think George's answer explains fairly well why the brokerages don't allow this - it's not an exchange rule, it's just that the brokerage has to have the shares to lend, and normally those shares come from people's margin, which is impossible on a non... | [
{
"docid": "59124ea66bbedf0f81f3198152140671",
"text": "I don't know what restrictions are put on the average employee at your company. In my case, we were told we were not permitted to either short the stock, or to trade in it options. That said, I was successful shorting the exact number of shares I'd be... | fiqa |
54d947fd8d8e82b0a84f3cf1a46a1556 | Is having a 'startup fund' a good idea? | [
{
"docid": "7204946de596496e2375d774802378fe",
"text": "Saving money for the future is a good thing. Whether spending those savings on a business venture makes sense, will depend on a few factors, including: (1) How much money you need that business to make [ie: will you be quitting your job and relying on ... | [
{
"docid": "5883594212907d5df467c9d29e54bb54",
"text": "\"Absolutely terrible idea(s) on many fronts. Firstly, why are you giving away equity at all? usually it's to attract people you otherwise wouldn't be able to hire (like extremely talented coders or business development managers) but normal employees? ... | fiqa |
37e914bfff8af8775effc1aee97ea0d3 | Supporting a Kickstarter project: Should a customer's pledge payment include sales tax, e.g. GST/HST in Canada? | [
{
"docid": "62aaf561c3c329705ed60c9b551bab4f",
"text": "You can only claim an input tax credit if tax was actually collected by the seller, irrespective of whether it should have been or not. You need to contact the seller to request an invoice that shows the GST/HST, if any, as well as the seller's GST/HST... | [
{
"docid": "a7ebe417a11689afa1585e43c14ceded",
"text": "(community wiki) Ontario special HST sales tax transition rebate cheques: When and how much? What will happen to quarterly GST cheques when HST starts in Ontario? Ontario HST rebate: When would I qualify? Ontario gas prices & HST: What will happen to p... | fiqa |
270753d648ba0b0db2e036ca14063f25 | Does a US LLC owned by a non-resident alien have to pay US taxes if it operates exclusively online? | [
{
"docid": "e4a96168ebf9048f2eaba2e0c6ff53fc",
"text": "\"As you said, in the US LLC is (usually, unless you elect otherwise) not a separate tax entity. As such, the question \"\"Does a US LLC owned by a non-resident alien have to pay US taxes\"\" has no meaning. A US LLC, regardless of who owns it, doesn't... | [
{
"docid": "0aca48ad4b9f2b175753f2e40374432f",
"text": "You will have to pay your taxes in the UK not USA. For tax purposes it is the company's tax residency not where the server is located. You are just hiring a server in USA. Take for example a CDN being used for your same service then would you pay taxes... | fiqa |
4b120c77f9f49b18130d1278e1687ff9 | Are there any viable alternatives to Paypal for a small site? | [
{
"docid": "e6c63de816b8047de3c37367fb881676",
"text": "I found out about Google checkout today, it looks like it may meet my needs, but I'd still be interested to find out about other options.",
"title": ""
},
{
"docid": "0c697bf583eec29bd45e8688953226b2",
"text": "While I've never used the... | [
{
"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 ... | fiqa |
622234f715e1e8105f39f89c1e5d7d27 | How do I report book royalties for tax purposes? | [
{
"docid": "177452e08f5bcd1a5ccb6fada4720bcd",
"text": "\"(Insert the usual disclaimer that I'm not any sort of tax professional; I'm just a random guy on the Internet who occasionally looks through IRS instructions for fun. Then again, what you're doing here is asking random people on the Internet for help... | [
{
"docid": "a561b7dc1cac02dffd14a1befccaa9bb",
"text": "I am not an accountant in any way, but I can't imagine needing to report that to the IRS. It's not income and has probably already been taxed when it was earned/received. You're not moving it from an untaxed (Roth) retirement account to a taxed one, or... | fiqa |
c95779c2192e64eac83e77b80bca4455 | Does the low CAD positively or negatively impact Canadian Investors? | [
{
"docid": "c6f80f2cd50f3b106f8575fffc775665",
"text": "If you buy US stocks when the CAD is high and sell them when the CAD is lower you will make a currency gain on top of any profit or loss from the stock investments. If you buy US stocks when the CAD is low and sell when the CAD is higher any profits fr... | [
{
"docid": "fe938688353d8877de8a9b0627e67415",
"text": "Get used to it. This trend won't change while investors are 100% focused on quarterly results at the expense of long-term investment and growth strategies from companies. Successful businesses that don't need a large capital injection will stay the cou... | fiqa |
c6e12847e12b75919fc1e4dc8fb19c21 | What tax-free retirement accounts are available for self-employed individuals? | [
{
"docid": "f36ca2639d4852d8262d20e589d6ad31",
"text": "You can open a self-employed 401k, here's an example. You can deposit up to 50K (including the personal cap and the profit sharing/matching portion).",
"title": ""
}
] | [
{
"docid": "6fb93580c5457890126504ee2b5209bb",
"text": "You're misunderstanding the concept of retirement savings. IRA distributions are taxed, in their entirety, as ordinary income. If you withdraw before the retirement age, additional 10% penalty is added. Investment income has preferential treatment - lo... | fiqa |
0e68ebae39ba740e8b94270242d6cd41 | How to know more about my tax situation in the States | [
{
"docid": "285656fee715b39a89d1eaadd137f3b2",
"text": "The LLC (not you) is probably in debt to the California FTB. Any LLC registered in California must pay at least $800 a year, until it is officially dissolved (i.e.: notice of cancellation/dissolution properly filed with the California Secretary of Stat... | [
{
"docid": "4867627f8a0ac6019c5a4cb6e87e0422",
"text": "Unfortunately, the tax system in the U.S. is probably more complicated than it looks to you right now. First, you need to understand that there will be taxes withheld from your paycheck, but the amount that they withhold is simply a guess. You might p... | fiqa |
ebdb35b56c4920d09ab77171a35c7041 | Freelance trading of products in India | [
{
"docid": "12bd33797cc2aa55c458ee11ea08a57d",
"text": "For most goods there is no license required, unless you are trading in restricted goods. Remittance need to be routed via banks and they should comply with FMEA. Your Bank or a qualified CA can guide you.",
"title": ""
}
] | [
{
"docid": "1d8f08c6246d4f181722de70f2775519",
"text": "Welcome To Shainex Relocation AN ISO 9001:2008 Certified Company SHAINEX PACKERS AND MOVERS is a proud service tax payee Professional Services Provider for Packers and Movers, packing and moving, Domestics Packing Moving, International Packers Movers, ... | fiqa |
d104c723eb22915238a3a61244b73f74 | Obtaining California SOS number for out-of-state LLC | [
{
"docid": "6bb6a1a14e9041f629aaad59a6f59497",
"text": "\"SOS stands for Secretary of State. The California Department of State handles the business entities registration, and the website is here. See \"\"Forms\"\" in the navigation menu on the left. Specifically, you'll be looking for LLC-5.\"",
"title... | [
{
"docid": "72684d4f21bf2b2b5d71ece186c61e17",
"text": "\"I'll answer in general terms, since I'm not familiar with the price ranges in Florida. The LLC formation costs $125 (state fee). In addition you'll need a registered agent. Registered agent could be your CPA/EA/bookkeeper/property manager/local frien... | fiqa |
a49043558ac2cb7a23ae546180b55356 | Can an Indian citizen/resident invest in a US company and collect the profits in India? | [
{
"docid": "b6646ff19b07b11380f830d396ec304d",
"text": "Every month I will get a return in from my share of the profit which would be used for repayment of capital and interest in India. Not to sure what the business plan is. Please factor all the modalities, Exchange rate fluctuations, etc. My concern is r... | [
{
"docid": "d137f8ba2fc7c051f2118309f7059b59",
"text": "There is no such thing as double taxation. If you pay tax in the US, you CAN claim tax credits from India tax authority. For example, if you pay 100 tax in USA and your tax liability in India is 200, then you will only pay 100 (200 India tax liability... | fiqa |
7ac1be21fe1063a2781401bdfe4bfa28 | What would happen if the Euro currency went bust? | [
{
"docid": "d47d1d96b13fb1d436e6802cf96bb61c",
"text": "Each country would have to go back to its own currency, or the rich countries would just kick the poor ones out of the EU. It would be bad for the poor countries, and the global economy would suffer, but it really wouldn't be a big deal.",
"title"... | [
{
"docid": "23dcb346982a8bdcf2ec460e8c272c4c",
"text": "There are many different things that can happen, all or some. Taking Russia and Argentina as precedence - you may not be able to withdraw funds from your bank for some period of time. Not because your accounts will be drained, but because the cash supp... | fiqa |
7ce046d26c429a6fd2e8ea1a4e01bc1d | What does this statement regarding put options mean? | [
{
"docid": "71abadf909286b1f642408f3d9ddf0d8",
"text": "The trader has purchased 1095 options, each of which is a contract which entitles him to sell 100 shares of Cisco stock for $16 a share. He paid $71 for each contract (71 cents a share x 100) which is roughly $78k total. He will get $109,500 for each d... | [
{
"docid": "b6a90c268daabff60f9717e9e8d84869",
"text": "Options, both puts and calls, are typically written/sold at different strike prices. For example, even though the stock of XYZ is currently trading at $12.50, there could be put options for prices ranging from $0.50 to $30.00, just as an example. There... | fiqa |
9c102b33a2ace4b289b13d1ffaa1e1bd | Is a robo-adviser worth the risk? | [
{
"docid": "87a9f1d455a99760f43c4389b1a0863d",
"text": "If you are looking for an advisor to just build a portfolio and then manage it, a robo-advisor can be beneficial (especially if the alternative is doing it your self, assuming that you are not well versed in the markets). The primary risk with one is t... | [
{
"docid": "934db7ebe0f517eaa0042ab40cbaf8e8",
"text": "Totally agree. Autonomous cars can **increase margins** in the insurance industry since there will be fewer claims. **for Geico - less administration and higher margins. Buffet is probably ecstatic.** Edit: Not saying that this is in the best in... | fiqa |
4f04e7150a1988bda8417d173af3db88 | What tax laws apply to Meetup group income? | [
{
"docid": "d0c0141b1a1208270b2418dc9a48bd67",
"text": "\"In the United States tax law, a group of people who are neither an individual nor an incorporated entity is called \"\"partnership\"\". Here's the IRS page on partnerships. Income derived by such a \"\"meetup.com\"\" group is essentially a partnersh... | [
{
"docid": "fe4d51ea49dc69c61e96c23aedb34e51",
"text": "Normally, yes, you would have to pay. If you are in the US, or a citizen of the US, then IRC Sec. 61 would levy tax on all income. Even if you find money on the ground, that will generally be taxable income (the treasure trove doctrine). If you are pay... | fiqa |
a95c52ce8dd5740f0cf765965662f3ce | Where on schedule C should a PO Box Rental fee go? | [
{
"docid": "96b8fbf19e0d9bba77b45d071ea95197",
"text": "\"Turbotax community had a similar question. They claim you just put it into \"\"Office Expense\"\". I never understood why there are so many categories when they are just summed up and subtracted from your income. How can you possibly get in trouble ... | [
{
"docid": "6ef443450b7a2e0334cec2673e52f06d",
"text": "\"You would put your earnings (and expenses, don't forget) on Schedule C, and then do a Schedule SE for self-employment tax. http://www.irs.gov/businesses/small/article/0,,id=98846,00.html 1040ES isn't used to compute taxes, it's used to pay taxes. Gen... | fiqa |
242244af0bc6298c5043bb1d0a223d45 | Switching Accountants - who does the audit review for past years? | [
{
"docid": "1ff7ff77c27135f1c844d712bc5d1580",
"text": "It depends on what you paid for, but usually audit support is an unrelated engagement to the return preparation. If the accountant made a professional mistake, you can request correction and compensation from that accountant, other than that any accoun... | [
{
"docid": "d90b94d9577b58a3b59c9ed199cb1d43",
"text": "In the US, auditors are selected and fees are set by the Audit Committee of the BoD. The Audit Committee is made up of independent directors, at least one of which is a financial expert. Also, finding something fishy leads to extra billings much more... | fiqa |
24314f12194980fe7e22039299cef75d | What are the tax implications if I do some work for a company for trade, rather than pay? | [
{
"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... | [
{
"docid": "0226b7567718747b0c30a8e2c96cdcd7",
"text": "There are two totally different things: There is your limited company, and there is yourself. Your limited company will absolutely have to pay 20% corporation tax on all its profits. The profits are the income of the limited company (you say it's £5,0... | fiqa |
ea21b86e9a2715bcbe8888b8d58e03a7 | Ghana scam and direct deposit scam? | [
{
"docid": "c6a286121301ab403c1d42fc914feb21",
"text": "Of course, it is a scam. Regardless of how the scam might work, you already know that the person on the other end is lying, and you also know that people in trouble don't contact perfect strangers out of the blue by e-mail for help, nor do they call u... | [
{
"docid": "d635984a635dec13512306ce3bb4a1c1",
"text": "He said he would need my first and last name and my online banking information not my date of birth, SSN, Address, Bank Address, Routing number, or checking account number This is a scam. No one needs online Banking User name and password. If you have ... | fiqa |
c98bfc141f6131171cb77c22f35e4802 | Can anybody explain the terms “levered beta riders”, “equity long-short” and “the quant process driven discipline” for me, please? | [
{
"docid": "a363dc606b8f75dc5fba7f9e4c16aa95",
"text": "\"Leverage here is referring to \"\"financial leverage\"\". This is the practice of \"\"levering\"\" [ie increasing, like the use of a lever to increase the amount of weight you can lift] the value of your investment by taking on debt. For example: if... | [
{
"docid": "f4644d808e6ad59b2b32bb273f916605",
"text": "Just adding on a touch, when market participants refer to swaps they are talking about the fixed leg. So for example, if I said a 5y Receiver, it means I am receiving fixed, paying floating. Ie I want yields to fall. Opposite for a Payer. Swaption i... | fiqa |
66abc0130efe0fb2f032ca1580b4a5ee | What's the least risky investment for people in Europe? | [
{
"docid": "378ec592a5f1b41b1db8f08993284ba1",
"text": "\"First of all, congratulations on saving some money. So many people these days do not even get that far. As far as investments, what is best for you depends heavily on your: Here is a quick summary of types of assets that are likely available to you, ... | [
{
"docid": "7847578cee6631c25a5d983b43d22e33",
"text": "\"On contrary of what Mike Scott suggested, I think in case of EURO DOOM it's a lot safer if your savings were changed into another currency in advance. Beware that bringing your money into an EURO CORE country (like Finland, Austria, Germany, Netherel... | fiqa |
6cc49f18959c7514ba6b87baae88fbe1 | As an employer, how do I start a 401k or traditional IRA plan? | [
{
"docid": "f4169e685a12d264278d31530c50068e",
"text": "Here is a nice overview from Vanguard on some options for a small business owner to offer retirement accounts. https://investor.vanguard.com/what-we-offer/small-business/compare-plans I would look over the chart and decide which avenue is best for yo... | [
{
"docid": "a214f765ad8bf0850db57657119533be",
"text": "\"Your contribution limit to a 401(k) is $18,000. Your employer is allowed to contribute to your 401(k), usually a \"\"matching contribution\"\". That matching contribution comes from your employer, so is not subject to your personal contribution lim... | fiqa |
f5e13bef2bab5ab7d559055f64d24173 | Acquiring first office clothes | [
{
"docid": "58421f730e6ce10311b57fb06a679356",
"text": "While in the interview stage you need one good outfit. Take care of them and they will see you through this stage of the process. Shoes, ties, shirt, and a suit can all be purchased on sale. The fact that you have months before graduation give you time... | [
{
"docid": "6f47f06623dd8319201aedf3c4769a27",
"text": "I was able to request a modest advance on my salary when I started my first job out of college, for essentially the same reason. Alternatively, you might consider requesting a small personal loan from friends or family. If you have a credit card that c... | fiqa |
2fda7195ef3ddc7d497367236964bb28 | How can I import customers and invoices from a previous year's Gnucash file? | [
{
"docid": "52814076ebf3e11bea5315414acf2240",
"text": "There does not appear to be a way to export the customers and invoices nor a way to import them into another data file if you could export them. However, as said in the comments to your question, your question seems predicated upon the notion that it i... | [
{
"docid": "aa1f9c1214d7c33fb2a1e73c46fcb482",
"text": "\"You don't. No one uses vanilla double entry accounting software for \"\"Held-For-Trading Security\"\". Your broker or trading software is responsible for providing month-end statement of changes. You use \"\"Mark To Market\"\" valuation at the end ... | fiqa |
bb2f7965fba4799eb7489fafa93413d1 | Swiss-style Monetary Policy | [
{
"docid": "87f3299669175f2ba326371f00e92c4a",
"text": "\"This is what is called \"\"weasel words\"\". They're trying to put some authority into their ad, but since they don't have any - they're putting meaningless words that sound important. Monetary policy is the state/central bank policy to control the s... | [
{
"docid": "045a95698737bb16498d42194ede6411",
"text": "I am just a C student with no hope for grad school, so you are going to have to walk me through this... The ECB (until recently), Japan, and the Swiss have been running QE programs equal to that of the Fed's in 2009 for the last couple of years. That'... | fiqa |
f47421a1d488cd01163356374a1ba69d | Why does capital gains tax apply to long term stock holdings? | [
{
"docid": "348c16d28dd5f13cc22835ed310e419a",
"text": "\"Why only long term investments? What do they care if I buy and sell shares in a company in the same year? Simple, your actually investing when you hold it for a long term. If you hold a stock for a week or a month there is very little that can happ... | [
{
"docid": "7ca594024cad43676e532bdd3be3a86d",
"text": "No, it's not all long-term capital gain. Depending on the facts of your situation, it will be either ordinary income or partially short-term capital gain. You should consider consulting a tax lawyer if you have this issue. This is sort of a weird lit... | fiqa |
99339ab73416bacd60b8484979421466 | Early Retirement Options (UK) | [
{
"docid": "cf2a335a98632f7e29015aaff6bd94a9",
"text": "It's highly unlikely that you will be able to achieve 8% and would consider myself lucky to get 4% in the current interest rate environment. You might want to read some reviews of peer-to-peer lending and even try it out some yourself. Give yourself ... | [
{
"docid": "2d0ca4aa62e63f9d94c1702c75d5c991",
"text": "\"Unless your 401(k) plan is particularly good (i.e. good fund choices with low fees), you probably want to contribute enough to get the maximum match from your employer, then contribute to an IRA through a low-cost brokerage like Vanguard or Fidelity,... | fiqa |
598f51b4900e3b6566c0f68b34ca8704 | Do I have to pay taxes in the US if my online store sells to US customers even though I don't live in the US? | [
{
"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... | [
{
"docid": "2ef4e47b64b903efa22be3cfe708549a",
"text": "There are no clear guidelines. If you are selling as individual, then what ever profit you make gets added to your overall income as you pay tax accordingly. This is true for sole proprietor or partnership kind of firms. If you are registered as a Comp... | fiqa |
667c9adcee6b016abfa22663f71ab1b5 | How can a school club collect money using credit cards? | [
{
"docid": "daaa039e808d165597234fd11e103a13",
"text": "Large and small universities have procedures in place regarding the use of the universities name, logo, facilities, and budget. They should have in place guidelines regarding the collection and use of funds from members, and participants. These guideli... | [
{
"docid": "0dbc73b704ace2fd555de902aee30592",
"text": "\"The basic way that these \"\"work\"\" is this: Every year I have to deposit 3500 to remain active in the company, else my account gets expired. You are paying money into the system. The only way you make any money is to: By my calculation I(or my chi... | fiqa |
d32c49b0f71ece6323c24cda5dd3c2ab | Bank statements - should I retain hardcopies for tax or other official purposes (or keep digital scanned copies)? | [
{
"docid": "8c0d1ce03947d1f4d6f5848f144ecc88",
"text": "\"In the UK Directgov don't specify anything more than \"\"records\"\", which leads me to think that a digital copy might be acceptable. With regards to bank statements, individuals (i.e. not self-employed, or owning a business) need to keep them for b... | [
{
"docid": "52814076ebf3e11bea5315414acf2240",
"text": "There does not appear to be a way to export the customers and invoices nor a way to import them into another data file if you could export them. However, as said in the comments to your question, your question seems predicated upon the notion that it i... | fiqa |
f2e38e6d7f85150ba1b3e53a0c8beae2 | Self Employed, but not required to pay estimated taxes? | [
{
"docid": "011fde1f94f514677efa1a3f3709b0eb",
"text": "\"The annualized method allows you to take a look at each quarter independently and pay the tax in the quarter that you earned it. -- According to Linda Durand, a certified public accountant with Drolet & Associates PLLC in Washington, D.C., from the B... | [
{
"docid": "a0216dbbefba44b03de0d6e2f4a4ac4a",
"text": "I am not an accountant, but I do run a business in the UK and my understanding is that it's a threshold thing, which I believe is £2,500. Assuming you don't currently have to submit self assessment, and your additional income from all sources other tha... | fiqa |
0389dc5e98f7c193b6f79be188082248 | LLC Partnership Earned Income vs. Partnership Share | [
{
"docid": "9fcce2e26e6c538a861377e8073e48c7",
"text": "\"Why would you file four K-1s for each partner? You file one K-1 per partner, on which you report the total of income attributed to that partner. It shouldn't and cannot \"\"vary\"\". There's no variables here, the income you report is the income alre... | [
{
"docid": "0dbea348d116e0cd6d2b731b617acf01",
"text": "Firstly if your Partnership makes less than $20,000 in revenue (before expenses are applied), then you cannot claim any net losses from the Partnership against your other income. However, you still need to include the Partnership details in your Tax Re... | fiqa |
58b4d5535ce3094efba838fad5394299 | What significant negative factors affect Yahoo's valuation? | [
{
"docid": "af2e38ba5d717fc1e30e479aeb76faec",
"text": "There are two very large negative factors that affect Yahoo's valuation. The first is that their search business is in decline and continues to lose ground to Google and even Bing. There's no sign that they have any plan or product in the works to o... | [
{
"docid": "fca73e29b05038112a00f43c8a4f49ef",
"text": "You are right: if the combined value of all outstanding GOOG shares was $495B, and the combined value of all GOOGL shares was $495B, then yes, Alphabet would have a market cap of at least $990B (where I say at least only because I myself don't know tha... | fiqa |
a7c34b2ea772fb1d21821a64f84ba0e5 | Advice on what to do with my equity? | [
{
"docid": "5e88382b08a124934ea96a6c792286bb",
"text": "\"How will 45K-60K \"\"end up in your pocket\"\"? Are you selling your home? Where are you going to live? You talk about moving to Arizona, what is so magical about that place? Congratulations on making a wise purchase. Some people with new found m... | [
{
"docid": "03012414b99a9299647d1deae6efedac",
"text": "Are you trying to figure out if a project would increase the market value of equity? I think your issue is that the Market value of Equity will not be updated with the NPV of 40M (Assuming it is truly +, not sure if it's true with 50M of debt). ... | fiqa |
d73c3e56c16f63bc571001719775769f | If I were to get audited, what would I need? | [
{
"docid": "f04d7d481a8899992fa4ec882c5d0bc8",
"text": "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 faked, a photo is one more step removed from the original. A mere listing on a web site isn't muc... | [
{
"docid": "f766087d13ac15a104961a481536a7af",
"text": "Does the friend fix your electrical wiring and the engine of your car? If you need a professional advice - ask a professional. In this case - an accountant (not necessarily a CPA, but at least an experienced bookkeeper). Financial Statements (official ... | fiqa |
37c7e4b68a3740c41a7e55f3b6a35bdf | How to systematically find sideways stocks? | [
{
"docid": "c156209751f676df4da54f3b864594b3",
"text": "You can likely use bollinger band values to programmatically recognize sideways trending stocks. Bollinger band averages expand during periods of volatility and then converge on the matched prices the longer there is little volatility in the asset pric... | [
{
"docid": "e4e05e49e26aa1ad784cf0a3d54fbf5a",
"text": "\"I (and probably most considering trading) had a similar thought as you. I thought if I just skimmed the peaks and sold before the troughs, perhaps aided by computer, I'd be able to make a 2% here, 2% there, and that would add up quickly to a nice am... | fiqa |
b382b9f7c1ede5b1ee366679c48876c0 | Who Can I Hire To Calculate the Value of An Estate? | [
{
"docid": "2d32ccf220435358c890dd86b7bce3e2",
"text": "\"Generally, it would be an accountant. Specifically in the case of very \"\"private\"\" (or unorganized, which is even worse) person - forensic accountant. Since there's no will - it will probably require a lawyer as well to gain access to all the acc... | [
{
"docid": "49e3d2116918cb73a179cc14a2c0f669",
"text": "The best analysis I know of Kiyosaki and his advice somes from a genuine property expert who gives plenty of good advice. If you are really interested then check out [John T Reed on Robert T Kiyosaki](http://www.johntreed.com/Kiyosaki.html).",
"ti... | fiqa |
b7c82b7974c9333d8fc56da872375aa8 | (Almost) no credit unions in New York City, why? | [
{
"docid": "e34390210a590d11712ad5d019a137c8",
"text": "There are 2 credit unions in the Metro NY area that are open to everyone: You might also want to check out aSmarterChoice.org to see if there are other credit union options based on where you live, work, worship & more.",
"title": ""
},
{
"... | [
{
"docid": "db7024a10e95c39c93206a786964e63e",
"text": "There are lots of credit unions that are insured by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund (NCUSIF) instead of the Federal Deposit Insurance Corporation (FDIC). Both cover individual accou... | fiqa |
232fd79fe64380fb46cf85ab226d37a4 | The Intelligent Investor: Northern Pacific Railway example | [
{
"docid": "34cde1e8bd12eb8855f66997fb014b0c",
"text": "Without reading the source, from your description it seems that the author believes that this particular company was undervalued in the marketplace. It seems that investors were blinded by a small dividend, without considering the actual value of the c... | [
{
"docid": "577d32a6386ae00278c2b00cdf53fbc9",
"text": "\"I would change that statement to \"\"very few people can CONSISTENTLY beat the market \"\". Successful strategies will get piled into and reduce returns. Markets will pick up inefficiencies, but at the same time they do exists. Tons of interesting re... | fiqa |
a7db6a98c47045c197fbcc771fc1872d | Is human interaction required to open a discount brokerage account? | [
{
"docid": "662b511141c68f3a8cd19f8578583ac5",
"text": "You definitely do not need human interaction to open an account at Schwab. You just need to provide a social security number and US drivers license. See http://www.schwab.com/public/schwab/investing/accounts_products/accounts/brokerage_account You can ... | [
{
"docid": "b58031e5b0659c8bfa666d2c3326e67d",
"text": "I have made a few contacts but generally we are hired precisely because the client doesn't want to take on full time staff. I need to make some contacts in the hedge fund or the trading business but I can't figure out how.",
"title": ""
},
{... | fiqa |
6a48fd3b95873af8beb210ec5e636b26 | Can a Zelle Bank Transfer be reversed or denied after credit has been added? | [
{
"docid": "9c9acdcbf56c5fe87270584861c27edb",
"text": "After collecting information via web searching, the comments above, and a additional call to BOA, i have concluded the following to the best of my knowledge. Zelle Transfers are final. Irreversible. As Jay mentioned above, funds are subtracted from the... | [
{
"docid": "f74da4d8b3fe79ba63956ef642f3ebc2",
"text": "Below are some of the differences between FedWire credit transfers and ACH credit transfers in the US. FedWire Same day clearing, which means the sender's account is debited and your account is credited on the same day Irrevocable. Once a FedWire is s... | fiqa |
bdd4195b98757d424ac318c87dd9b9d9 | What are the procedures or forms for a private loan with the sale of a vehicle? | [
{
"docid": "b51589201c2d2e7f27a9572b11c42113",
"text": "The Nebraska DMV web site has a neat page about this. It seems to be fairly simple, and not costly to record a lien and later release it. Just go there with the title and the sales agreement that details the terms, and pay the $7 fee.",
"title": ""... | [
{
"docid": "19a41f572fb72c31a0e903d04b283a65",
"text": "\"At this point there is not much you can do. The documentation probably points to you being the sole owner and signer on the loan. Then, any civil suit will degenerate into a \"\"he said, she said\"\" scenario. Luckily, no one was truly harmed in t... | fiqa |
38e10204e95c0185c4dbe91afb14468a | What is the point of owning a stock without dividends if it cannot be resold? | [
{
"docid": "7357993aa3e3e8e6d746463fbc6fefa2",
"text": "Shares often come associated with a set of rights, such as ability to vote in the outcome of the company. Some shares do not have this right, however. With your ability to vote in the outcome of the company, you could help dictate that the company paid... | [
{
"docid": "d193462c2812d839a5c8e4ab18f9b52d",
"text": "The benefit is not in taxes. When you sell a portion of your stock, you no longer have a portion of your stock. When you get a dividend, you still have a portion of your stock. Dividends are distributed from the net profits of a company and as such usu... | fiqa |
941beb3ae7f1bc867a72dc0f1dbb4bba | How to account for startup costs for an LLC from personal money? | [
{
"docid": "9349f71c3fa6137dd26bb82e45f19afe",
"text": "Typically you give a loan to the company from yourself as a private person, and when the company makes money the company pays it back to you. Then the company pays for all the expenses with the money from the loan. Even if you don't want a business ac... | [
{
"docid": "ac9363665b6f3b6c63d77f667d33cd17",
"text": "\"The point is that you need to figure out when a \"\"business expense\"\" is actually just a personal purchase. Otherwise you could very easily just start a business and mark all of your personal purchases as business expenses, so you never have to pa... | fiqa |
7b3e785e935faaeee2d5e3cbad118c52 | Corporate Equity Draw vs Income | [
{
"docid": "ee0f34fa27cb4ca84be860d651f060f3",
"text": "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 call them. You get taxed on the portion of the net income that is attributable to you through the Sch... | [
{
"docid": "0b055c497ebf3938a1c1d306b56febe6",
"text": "It is. The outstanding value is the net cash flow, but it will always be higher than cash outflow due to a constant growth rate/expected return. I was slightly confused when my manager told me to find the IRR before and after cash inflows (the whole li... | fiqa |
663b6518a570f5de060ff08c5c488939 | What happens if a bank no longer use an intermediary bank? | [
{
"docid": "65f454d2bf24279f90f4b93333efb81c",
"text": "If your counterparty sent money to a correspondent account at another bank, then it is completely up to the other bank what to do with the money. If the wire transfer completed, then the account is not closed. If I were your business partner, I would i... | [
{
"docid": "47b97a3b10add61924eca7c618d61e4e",
"text": "No Drawbacks. One day, the bank might decide to kick you out. Typically, they send you a letter and warn that they will close it if it stays unused, and then you have to decide if you move some money into it or have it cancelled.",
"title": ""
},... | fiqa |
f1edc69d8843f68c46f43f9ab5ca7f1b | How quickly will the funds be available when depositing credit card checks? | [
{
"docid": "6ba2969a7b4b350271253af65cef00dd",
"text": "For those who don't know, credit card checks are blank checks that your credit card company sends you. When you fill them out and spend them, you are taking a cash advance on your credit card account. You should be aware that taking a cash advance on... | [
{
"docid": "e035cf8095b7f043254c4e5ead6f0785",
"text": "This is normal for credit cards. As long as you make the credit card company's cutoff time, they will make the funds available on your credit card rather than make you wait for them to actually get the funds from your bank. The amount of time this tak... | fiqa |
8986d6f513886b3771b95a564367ec12 | Are credit cards not viewed as credit until you miss one payment? | [
{
"docid": "49136c4aa863e265570541bc1bcd0c3a",
"text": "K, welcome to Money.SE. You knew enough to add good tags to the question. Now, you should search on the dozens of questions with those tags to understand (in less than an hour) far more than that banker knows about credit and credit scores. My advice... | [
{
"docid": "5ae6030c0973f904173c87926a641503",
"text": "\"Not only does the interest get charged from Day 1 on new purchases as long as you have a revolving balance, but the credit card agreement often says something to the effect that any partial payment is applied first to the interest to date, and then ... | fiqa |
44132a4a5950e80b7619a23548746cfd | Who buys variable annuities? | [
{
"docid": "314f393a566100e923915478d09d23a5",
"text": "\"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 a bad deal if pitched by a tax preparer, insurance salesman, etc. Keep in mind that any \"\"guar... | [
{
"docid": "86fe07e011ffb2aa561483dc03932b88",
"text": "\"Your relatively young age and the current very low bond interest rates make annuities a very poor buy. And most of the other suggestions you have mentioned have very low diversification, which exposes you to imprudent risks. Buying shares for dividen... | fiqa |
aa4bd60227161da39eb8b9637712abfb | Limited Liability Partnership capital calculation | [
{
"docid": "b8763fac73b9c4be5794c15172547797",
"text": "Retained earnings is different from partner capital accounts. You can draw the money however the partners agree. Unless money is specifically transferred to the capital funds, earnings will not show up there.",
"title": ""
}
] | [
{
"docid": "d304ada0eec7878085696ff363929bd9",
"text": "\"To calculate the balance (not just principal) remaining, type into your favorite spreadsheet program: It is important that the periods for \"\"Periods\"\" and \"\"Rate\"\" match up. If you use your annual rate with quarterly periods, you will get a ... | fiqa |
813c19381f6d0651c31c95ddc53c4270 | FTB sent refund check for 2011 during audit; Does this really mean that whole audit is over for 2011? | [
{
"docid": "c743f8e5cf7a21d3fc9d381bb59847ad",
"text": "Not it doesn't, and yes they can. If the audit is closed, you should have received invitation to attend the closing conference, and get the summary of decisions from that meeting in writing. I suggest you check with your tax representative about this r... | [
{
"docid": "afe19c20847f0e7a9a756d6cabf039b6",
"text": "Having a large state return also means that there is a potential income tax liability created at the federal level for the following year, as the situation resulted from the deduction of more on one's federal return than should have been deducted. The ... | fiqa |
8beb11aa4c8d747f40d97f2ca79b6431 | Where are the non floated Groupon shares | [
{
"docid": "ee4d0a9daa326b674d55ebf8b17e4920",
"text": "The original investors and founders own them. Think about it this way - When you hear that an IPO priced at $10 opened at $50, is that 'good or 'bad'? Of course, it depends who you are. If you are the guy that got them at $10, you're happy. If you are ... | [
{
"docid": "69923fb1d6e6e062c5b30216a5600c26",
"text": "Even with non-voting shares, you own a portion of the company including all of its assets and its future profits. If the company is sold, goes out of business and liquidates, etc., those with non-voting shares still stand collect their share of the fu... | fiqa |
23fcf1260eaf05c4316b5d1135a83c14 | Made more than $600. Company does not issue 1099-MISC's. Enter income as general income? | [
{
"docid": "82643f07a5220a97f0efa5551e0b2d39",
"text": "I'm not sure how this gets entered in TurboTax, but this income from the company should be included in the Schedule C (or C-EZ) Line 1 Gross Receipts total, along with all of your 1099-MISC income from your business and any other income that your busin... | [
{
"docid": "9fd632a34c4689f4fcdbfb85bb386537",
"text": "You have to file and issue each one of them a 1099 if you are paying them $600 or more for the year. Because you need to issue a 1099 to them (so they can file their own taxes), I don't think there's a way that you could just combine all of them. Addit... | fiqa |
605f98fd509e1bfad1491d2db7d9a148 | My employer doesn't provide an electronic pay stub and I need one to get a car loan | [
{
"docid": "632a0ece15cf3dadbd5fe45fd5f93376",
"text": "You have a few options and sometimes challenges help us improve our situation. First, you can not borrow to buy a car. Reducing the massive depreciation that cars undergo will help you be wealthier. It is hard to find a good use car that you can buy ... | [
{
"docid": "b4585c86d5566947354fbb2697a2c873",
"text": "You're knowingly providing a payment method which has insufficient funds to meet the terms of the contract, because you are too lazy to comply with the contract. That's unethical and fraudulent behavior. Will you get in trouble? I don't know. I'd sugge... | fiqa |
1fd3e4540a8230043a6deb0c62243b70 | In your 20s how much money should you have and how to properly use & manage it? | [
{
"docid": "e52bc2668eb149758d54afde4e70f428",
"text": "You need a budget. You need to know how much you make and how much you spend. How much you earn and what you choose to spend you money on is your choice. You have your own tolerance for risk and your own taste and style, so lifestyle and what you own... | [
{
"docid": "af223850d5c390d6a986d4bdb93cfedf",
"text": "Establish good saving and spending habits. Build up your savings so that when you do buy a car, you can pay cash. Make spending decisions, especially for housing, transportation and entertainment, that allow you to save a substantial portion of your in... | fiqa |
b2f5acc645fa3fd51bafb3cbff2fc91a | Credit Card Points from Refund | [
{
"docid": "e138d48bd150ef9c9d160460027a7c44",
"text": "Because your friend isn't going to like the ~2% charge they have to pay to the credit card company on the $10,000 purchase. Credit card companies make money off of transactions. The cardholder normally doesn't pay any transaction fees (and in fact can ... | [
{
"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 |
0f7fa9af4dd536c4ad814768d144622e | My Boss owes money but I am named on letter from debt collection agency (UK) | [
{
"docid": "06741791d286fe079a92f0570f498adc",
"text": "I would not be overly concerned unless they started contacting you directly on your personal time or it showed up on your credit report. It is very likely that you are listed simply for their own records. This is correct for them to do, since you spok... | [
{
"docid": "cf395ba4cd893fe297222a85e755771d",
"text": "Better suited to /r/personalfinance, but you definitely owe the money. Unless you had something in writing that they were going to send a bill to a certain address, it's your responsibility to pay. Hell, even if you did have something in writing that s... | fiqa |
491ec94daca3dec51c8fd13300a58b54 | Paying estimated taxes in a quarter with losses | [
{
"docid": "02cb0d8b8af2dacbb33d62b9731c6ab3",
"text": "Yes, if you're caught up you can skip the quarter.",
"title": ""
}
] | [
{
"docid": "100d4f2245519dfd83b90ac0cc82d35d",
"text": "You are not allowed to pick and choose what years to take a loss once the stock/fund is sold. While I realize it might be too late for you to do anything now, in the future if members should read this, they might consider doing a Roth conversion durin... | fiqa |
34a331ce1cb2c48af839b568bf427eaa | Can a husband and wife who are both members of the same LLC file a joint tax return? | [
{
"docid": "7b9e65e73e1d2ee9ac596a33ff6295d8",
"text": "Since from the question it seems that you're talking about the US taxation, I'll assume that. You can definitely continue filing jointly. Being members of a partnership has no bearing on how you file your own tax return. The partnership will distribute... | [
{
"docid": "382a84ba2de816aeea68f21ab665c9b2",
"text": "Yes, absolutely she can. I come across small businesses from sole props to corps and llc who have their spouses employed. One thing to note is that the business won't need Workers Comp insurance if you're the only employee, if you hire anyone else you ... | fiqa |
6d40d578352ac1cec6b042754c41802a | I am a contractor with revenue below UK's VAT threshold. Should I register for VAT? | [
{
"docid": "305d0bb481877f331240bc5ec2e0572e",
"text": "I love the flat rate VAT scheme. It's where you pay a percentage based on your industry. An example might be Computer repair services, where you'll pay 10.5% of your total revenue to the HMRC. But you'll be invoicing for VAT at 20% still. Would definit... | [
{
"docid": "19f228cae894db3fedd7230e5d7d2fc4",
"text": "\"I think you should really start a limited company for this. It'll be a lot simpler to spread the income over multiple years if your business and you have completely separate identities. You should also consult an accountant, if only once to understan... | fiqa |
5bf05b6d6d0b4cbcbeeded73e6251b11 | Was on debt..can I now enter UK on visitor visa | [
{
"docid": "56e7741116703bc204078da0634ebd33",
"text": "Whether or not you'll be allowed to enter the UK is a topic for a different forum (and really more a topic for a lawyer rather than strangers on the internet). That being said, as a non-lawyer giving my opinion of the situation, you should be granted a... | [
{
"docid": "d1219fb850544eb95e1b9182489c5e9a",
"text": "One possibility is to ask RBC to lend you some money (or more specifically, to lend you some more money): an overdraft, a personal loan, or whatever. To discuss this you should to talk to your personal banker (not a teller), probably by appointment: to... | fiqa |
7007630be57cafd2ac455291ccaece9d | Can you sell a security through a different broker from which it was purchased? | [
{
"docid": "246c65209e190261eac18889bc5d607a",
"text": "I'm in the US and I once transferred shares in a brokerage account from Schwab to Fidelity. I received the shares from my employer as RSUs and the employer used Schwab. After I quit and the shares vested, I wanted to move the shares to Fidelity beca... | [
{
"docid": "74f26d63f018d5a9aa01c4fbd8a7689c",
"text": "Concerning the Broker: eToro is authorized and registered in Cyprus by the Cyprus Securities Exchange Commission (CySEC). Although they are regulated by Cyprus law, many malicious online brokers have opened shop there because they seem to get along wit... | fiqa |
3b80a6b371dfaf68db82677c58a11c59 | Are American Eagle $20 gold coins considered “securities”, requiring dealers to be licensed to sell them as such? | [
{
"docid": "f8fc26829c721659c31dd9dcad24000b",
"text": "No. Securities brokers/dealers in the United States are licensed to broker debt and equity in corporations. (There are additional, commodities licenses to broker derivatives.) $20 American Eagle coins, or any other type of physical currency or physical... | [
{
"docid": "3080c79cd27b9f11931ebb9fee6ad440",
"text": "And just as easily, someone could find a reason for such a derivative to exist. Let's say I'm a vendor of memorabilia for a given sports team, but unlike most vendors I'm only a vendor for a particular team. Given that there is a large lead time betw... | fiqa |
9e15df4115f3eb7fe32ea731fc389f3c | How are days counted when funding a new account within 10 days | [
{
"docid": "2edd5ed1295a57e68363c29b87c694a0",
"text": "\"If the wording is \"\"within 10 days\"\" then its 10 days. Calendar days. Otherwise they would put \"\"10 business days\"\", for example. Usually, if you need to do something within 10 days from today, the first day to count is today. I would expect ... | [
{
"docid": "6d6484df1dd699dba84e32c627210e21",
"text": "Another explanation is that they keep your money three days to make money with it, because they can. The other reasons might have been valid 100 years ago, and no bank would voluntarily cut that down until forced by law. Example: In Europe, bank to ban... | fiqa |
071ead5dc6729710ce51b4ea9c41b5c2 | How do I evaluate reasonability of home improvement projects? | [
{
"docid": "3e9ced915f7fb7931adc0b6e4a27c9f3",
"text": "If you're looking for some formula, I don't think one exists. People talk about this all the time and give conflicting advice. If there was a proven-accurate formula, they wouldn't be debating it. There are basically 3 reasons to do a home improvement ... | [
{
"docid": "b6282e3f8f1250824493ca2c1516ab5b",
"text": "Google Maps and Craig’s List are easy wins and free. I would offer free inspections and estimates. What about getting into one of those new mover mailings. That is when most people will be updating their fixtures.",
"title": ""
},
{
"d... | fiqa |
0f31134f065dc070a0185ab2e2a76430 | Once stock prices are down, where to look for good stock market deals? | [
{
"docid": "8dad87928431875301308fad68c7ae0c",
"text": "\"Indexes are down during the summer time, and I don't think it has something to do with specific stocks. If you look at the index history you'll see that there's a price drop during the summer time. Google \"\"Sell in May and go away\"\". The BP was c... | [
{
"docid": "9035e3042845744753020ebe12989ddf",
"text": "I can't provide a list, but when I took out my Stocks and Shares, I extensively researched for a good, cheap, flexible option and I went with FoolShareDealing. I've found them to be good, and their online trading system works well. I hope that's stil... | fiqa |
c49c77406334532dfd08fa2ac5808016 | Where are all those unsold vehicles? | [
{
"docid": "f2fb9241d4e6bab34de55154a4b9bb8d",
"text": "When the 2016 models come out, the dealership marks down the 2015 model and then it sells pretty fast. The process doesn't take that long in the car market because the 2015 models are just as good as the 2016 so if they are just a little cheaper, they... | [
{
"docid": "7d981886fcd3d12405655510fc4a88ff",
"text": "There are many reasons for buying new versus used vehicles. Price is not the only factor. This is an individual decision. Although interesting to examine from a macro perspective, each vehicle purchase is made by an individual, weighing many factors t... | fiqa |
5e01f66293dc842a0e152ff1af8ce443 | What are the options for a 19-year-old college student who only has about $1000? | [
{
"docid": "f0ecb35fe0fd0cae4ccc61b8ec1b2d5f",
"text": "\"The \"\"$1000 is no money at all\"\" people are amusing me. Way back in the mists of time, a very young me invested on the order of ~$500 in a struggling electronics manufacturer I had a fondness for. An emotional investment, not much money, but enou... | [
{
"docid": "3ae51aec7487f3a23fc9eb5b91d38c5e",
"text": "\"The $1K in funds are by default your emergency fund. If absolutely necessary, emergency funds may need to come from debt, a credit capacity, focus on building credit to leverage lower rates for living expenses eventually needed. Profitable organizati... | fiqa |
9cea98ce3fa244217c07b60b241439a7 | Where do large corporations store their massive amounts of cash? | [
{
"docid": "f4e52de00689799d0a38c9951bef61de",
"text": "You can find out the general types of investments by reading the public corporation 10-Q report that is filed with the SEC it can be accessed via the EDGAR system. It will not tell you what securities they have, but it does identify the short term and ... | [
{
"docid": "d4231c8ba1dee0efe017174185cea301",
"text": "Generally you don't exclude cash that is needed to keep working capital going. A firm's need to cash will vary based upon it's AR and AP policies. Some companies that have beat up their vendors and extract harsh payment terms, like Dell and Walmart, of... | fiqa |
4f4e07f025531162ec306946681b4e73 | Does renting a room on AirBnB make all interest taxable? | [
{
"docid": "47c9c8dbbbfb64b9537ec5a36e9cc724",
"text": "\"What theyre fishing for is whether the money was earned in the U.S. It's essentially an interest shelter, and/or avoiding double taxation. They're saying if you keep income you make outside the US in a bank inside the US, the US thanks you for sto... | [
{
"docid": "fe4d51ea49dc69c61e96c23aedb34e51",
"text": "Normally, yes, you would have to pay. If you are in the US, or a citizen of the US, then IRC Sec. 61 would levy tax on all income. Even if you find money on the ground, that will generally be taxable income (the treasure trove doctrine). If you are pay... | fiqa |
06062aca8b4299c7ee11d876be7121bd | What are the advantages/disadvantages of a self-directed IRA? | [
{
"docid": "0bc6398c3f04ee3f1e4c7f8cf593ea0e",
"text": "There is nothing wrong with self directed IRA's the problem is that most of the assets they specialize in are better done in other ways. Real estate is already extremely tax advantaged in the US. Buying inside a Traditional IRA would turn longterm capi... | [
{
"docid": "2e808270f61e48530726c53dae641c17",
"text": "One big advantage that the 529 plan has is that most operate like a target date fund. As the child approaches college age the investment becomes more conservative. While you can do this by changing the mix of investments, you can't do it without capita... | fiqa |
f3e1bac233a85fd8a770dba4338fa6a6 | How to protect myself against unauthorized recurring CC charges? | [
{
"docid": "ac87f082a3a41ed46993d0840e78b8a3",
"text": "\"The bank SHOULD be able to issue you a new card without letting vendors roll over the recurring payments. In fact, I've never had a bank move recurring payments to a new card automatically, or even upon request; they've always told me to contact the ... | [
{
"docid": "5fee4c2ada624f9f9dfd3cf43e073b65",
"text": "There are different ways of credit card purchase authorizations. if some choose less secure method it's their problem. Merchants are charged back if a stolen card is used.",
"title": ""
},
{
"docid": "59c250a05c383c5e3f9f3bceaaa60434",
... | fiqa |
bd96b1e039cc5af85e2cd29dc53ffda3 | Value investing | [
{
"docid": "547c5288c6257859afa48a19b2a24f88",
"text": "\"As an aside, why does it seem to be difficult to get a conclusive answer to this question? I'm going to start by trying to answer this question and I think the answer here will help answer the other questions. Here is a incomplete list of the challe... | [
{
"docid": "70591461ef9fce7e7b32b7b259bf14f6",
"text": "The quant aspect '''''. This is the kind of math I was wondering if it existed, but now it sounds like it is much more complex in reality then optimizing by evaluating different cost of capital. Thank you for sharing",
"title": ""
},
{
"do... | fiqa |
60a2a290bcdeabfdebcef534f3c27dff | Can you deduct hobby expenses up to hobby income in Canada? | [
{
"docid": "ba1ad496da75fa89e0e779d75eb78141",
"text": "\"Yes, your business needs to be in the business of making money in order for you to deduct the expenses associated with it. I suppose in theory this could mean that if you take in $10,000 and spend $30,000 every year, you not only don't get a net dedu... | [
{
"docid": "be257fcb0ae0253e58681c0f96f3d63a",
"text": "\"The answer is \"\"Yes\"\", You can deduct them. As long as you showed that you put in effort to make a profit then you can deduct business expenses.\"",
"title": ""
},
{
"docid": "257116992df00710237576f5bac1cec2",
"text": "In the US ... | fiqa |
5b45f8477f30c847f0d3ce24b8aaa04a | H&R Block says form 1120 not finalized? IRS won't take it yet? | [
{
"docid": "b891606bf041cfd022f36635be258918",
"text": "This form is due March 15. This year, the 15th is Saturday, so the deadline is Monday March 17th. Keep in mind, the software guys would have two choices, wait until every last form is finalized before releasing, or put the software out by late Novembe... | [
{
"docid": "49fcb429b4cc17c2db360a6d3770a84a",
"text": "Real world case: IRS: You owe us $x. You didn't report your income from job y. My mother: I didn't work for y. I don't even know who y is. IRS: If the W-2 is wrong, talk to them to get it fixed. My mother: I can't find y. Please give me an addre... | fiqa |
87b1c1d2ac9e7d5271e914fb1fef8d01 | How does one's personal credit history affect one's own company's credit rating? | [
{
"docid": "ed6909b1d2486a0cd9e6aaf638528c16",
"text": "\"For a newly registered business, you'll be using your \"\"personal\"\" credit score to get the credit. You will need to sign for the credit card personally so that if your business goes under, they still get paid. Your idea of opening a business car... | [
{
"docid": "88fde363be152b7f7dd7406505cf9fb2",
"text": "FICO score tracks credit, not checking or savings. Unless there was a credit line attached, no impact at all.",
"title": ""
},
{
"docid": "160c33cef70d54dbee73af39f0c42327",
"text": "No. I have several that I haven't used in a year or ... | fiqa |
c0b51b86e94e35b93eae075b41c33d4d | Simple income and expense report in gnucash | [
{
"docid": "e2556cddd3a3db377c1f4eef65198dbc",
"text": "\"The official guide can be found here, but that can be a little in depth as well. To make good use of you need at least a little knowledge of double-entry bookkeeping. Double-entry bookkeeping, in accounting, is a system of bookkeeping so named bec... | [
{
"docid": "b274dcbeca8aaf4a0d475b7e2101809b",
"text": "Mint has worked fairly well for tracking budgets and expenses, but I use GnuCash to plug in the holes. It offers MSFT$ like registers; the ability to track cash expenses, assets, and liabilities; and the option to track individual investment transactio... | fiqa |
1255b8cd0e82965bb5b3c4500de8330b | How do you report S-corporation Shareholder loans / capital contributions? | [
{
"docid": "dc0f5b39efa96f612d974c9271078571",
"text": "As the owner of the S-corp, it is far easier for you to move money in/out of the company as contributions and distributions rather than making loans to the company. Loans require interest payments, 1099-INT forms, and have tax consequences, whereas the... | [
{
"docid": "cdf88af3f4a06fb4676cd304af9accb7",
"text": "Exec Insiders have to file with the SEC and some sites like secform4.com track it. But many insiders have selling programs where the sell the same amount every month or quarter so you would have to do your homework to determine if there are real signal... | fiqa |
2b2776b95bbe0f68b9371085344c9b43 | How to declare foreign gift of nearly $10,000 | [
{
"docid": "b06c4c5629a4c4f0af1e5c054ff97484",
"text": "Actually banks aren't required to (and don't) report on 8300 because they already report $10k+ cash transactions to FinCEN as a Currency Transaction Report (CTR), which is substantively similar; see the first item under Exceptions in the second column ... | [
{
"docid": "970bf827c2ba21f4e4be22f0c766713e",
"text": "As the college education is very costly, I want to send USD 25,000 to him as a gift. What is the procedure and what Indian and American tax laws are involved ? This transaction will be treated as gift. As per Indian law you can transfer unlimited amoun... | fiqa |
5437e855013a61bdd06801f9d8ee72a7 | Precedent and models for 100% equity available via initial offering? | [
{
"docid": "6709174d7e2f97d95f26f15572e9648b",
"text": "Founder makes available 100% equity, but uses a reasonable amount of the proceeds to pay him/herself a salary (or wage) and from that salary invests in the same initial offering to acquire shares for him/herself. I see several problems. What is a r... | [
{
"docid": "b8da10c8337c08554e4582761a771d98",
"text": "underwriters aren't subject to lock-up. They actually don't hold anything. They oversell at IPO, with their short position covered by the green shoe (an option from the company). If the deal does well, the underwriters exercise the green shoe to cov... | fiqa |
f30fa9945c4fe942f44ddf53d2d99761 | Can stock market gains be better protected under an LLC arrangement? | [
{
"docid": "4492a7c887b3e31a90e888103dd0f897",
"text": "All corporate gains are taxed at the same rate as corporate income, for the corporate entity, so this actually can be WORSE than the individual capital gains tax rates. There are a lot of things you can do with trading certain asset classes, like openi... | [
{
"docid": "557de771f5d36064911e7a767f197b57",
"text": "\"In US public stock markets there is no difference between the actions individual retail traders are \"\"permitted\"\" to take and the actions institutional/corporate traders are \"\"permitted\"\" to take. The only difference is the cost of those act... | fiqa |
3d48f2fe347d5d41ffd4d593cbb5c565 | How do I handle taxes on a very large “gift” from my employers? | [
{
"docid": "dbb37eee9e3fb8c574d99323f3cd9dc9",
"text": "\"You're right about your suspicions. I'm not a professional (I suggest you talk to a real one, a one with CPA, EA or Attorney credentials and license in your State), but I would be very cautious in this case. The IRS will look at all the facts and cir... | [
{
"docid": "09f8267e7da430fa6e197b1a3cb493f3",
"text": "\"I am neither a lawyer nor a tax accountant, and if you're dealing with serious money I suggest you consult a professional. But my understanding is: If you make a loan at zero interest or at below-market rates, the IRS will consider the difference bet... | fiqa |
66db04b52e58855d4a3734b505d70f30 | How can I set up a recurring payment to an individual (avoiding fees)? | [
{
"docid": "beda3cf6bca17ac9e91c02eeee920a24",
"text": "I think about as close as you're going to get is to use a personal PayPal account, and set up a reminder to yourself to log in and send the money. (Because, as you said, setting up a recurring payment is a business account thing.) From PayPal's websit... | [
{
"docid": "9cac2f8096f2ec2234d0b587551f30b9",
"text": "You could buy debt/notes or other instruments that pay out periodically. Some examples are If there is an income stream you can discount the present value and then buy it/own the rights to income stream. Typically you pay a discounted price for the f... | fiqa |
e7c80bc667f72cec12dc876cde40bab1 | How can a freelancer get a credit card? (India) | [
{
"docid": "3c36fb440fbd6a2a6d737a589e1567b1",
"text": "Typically Banks look for a steady source of income or savings based on which they issue a credit card. If you can't show that build a cash balance and show it. For Example if you have an PPF account with say SBI, they issue you a card with a limit of a... | [
{
"docid": "f09e5df95d050feae1e745fb0c66f9bd",
"text": "Debit is them taking the money, in your case electronically. Credit is somebody vouching for you and saying you will pay later. They are alternate ways to pay for a product. As a merchant, if you take a credit card you are agreeing that a the issuer ... | fiqa |
86d2abfdbbe6df80ab03af10c40bc47a | How to teach personal reconciliation and book balancing | [
{
"docid": "b441841b26ec7155d2b9b6ec9ed71bce",
"text": "\"If you are wanting to teach your kids basic accounting principles there is some good stuff on Khan Academy. However most of the stuff takes practice to really make it hit home and its kinda boring (Especially to kids who may or may not care about it)... | [
{
"docid": "d386dfb9f2e94e0e3a0fd7e218374406",
"text": "A system comparing students to themselves a year ago is what I think would work best. Therefore you are graded based off the students you have, not the grade you are in. This would mean if I was in 2nd grade and read at a 1st grade level then went to ... | fiqa |
562a8138443d05f8cf5a2249ad752e3e | Determining the minimum dividend that should be paid from my S corporation | [
{
"docid": "da9ecf6147e0082b20047381cdb41141",
"text": "\"There are no dividends from S-Corp. There are distributions. Big difference. S-Corps fill form 1120S and schedule K-1 per shareholder. In the schedule all the income of your S-Corp will be assigned to various categories that you will later copy to yo... | [
{
"docid": "e86ce0a96fa86c9a6148bec403e66783",
"text": "\"The $100,000 is taxed separately as \"\"ordinary income\"\". The $350,000 is taxed at long-term capital gains of 15%. Capital gains is not taxed at 20% until $415,050. Even though $100,000 + 350,000 = $450,000, only $350,000 can be taxed at capital g... | fiqa |
9f2a2a9c628253b6d0af71084ed5b475 | Creating a Limited company while still fully employed | [
{
"docid": "cf6fcd8dd2402e5e78393771026d802e",
"text": "I was just thinking ahead, can I apply for Limited company now, while fully time employed, and not take any business until I get a contract. Yes. You can open as many companies you want(assuming you are sane). There is no legal provisions regarding who... | [
{
"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 |
b4c06815bde27ff291a8a73dea9d8820 | offshoring work and tax dilemma | [
{
"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... | [
{
"docid": "87e40772409ac3c7bcb7202bf1d952c0",
"text": "I think companies should be able to reduce their tax burden to zero as long as they produce a net benefit to their host country. Taxes for corporations should be ways of influence and reducing cost of having the business in the country due to externali... | fiqa |
8473bc37dcb77f0ef255314480e7e199 | declaring payments to a credit card for a shared expense | [
{
"docid": "5ea83557af9a5d48e3d8b1794e9161bd",
"text": "If this is a business expense - then this is what is called reimbursement. Reimbursement is usually not considered as income since it is money paid back to you for an expense you covered for your employer with your after-tax money. However, for reimbur... | [
{
"docid": "c2e80c349518ee93dd52768ec917fa84",
"text": "I would take each of these items and any others and consider how you would count it as an expense in the other direction. If you have an account for parking expenses or general transportation funds, credit that account for a refund on your parking. If ... | fiqa |
799ecaf9db339be98568796c4881ac8b | Maxing out HSA after maxing out Roth IRA | [
{
"docid": "a1aa8718c1ebbbe0f75c12946bfb92ec",
"text": "Unless the hypothetical fellow is immune to disease, and indestructible, with no risk of injury, the HSA is an ideal place for this money. It offers a pretax deposit, and if used for medical expenses, a tax free withdrawal. This combination can't be b... | [
{
"docid": "31594816af776ae31246dff47b57b5a2",
"text": "Your 1&2 are the end of that chapter. You can't convert for that year again, and must wait 30 days to convert in the new tax year. For example, each year for over a decade, I've helped my mother in law with this. In May, we convert a chunk of money/st... | fiqa |
235d3c88c9766c3a1628beae105eb0f5 | Self-employment alongside full-time job | [
{
"docid": "8dbe42ade6202d1a33c8ad6ad410dcf4",
"text": "What you need to do is register as a sole trader. This will automatically register you for self assessment so you don't have to do that separately. For a simple business like you describe that's it. Completing your self assessment will take care of al... | [
{
"docid": "3829f2bd93fbc08fcf8d58ebe3c01c34",
"text": "\"ITR1 or ITR2 needs to be filed. Declare the income through freelancing in the section \"\"income from other sources\"\"\"",
"title": ""
},
{
"docid": "85f1ee03b67a2df86e96dbcec51a9f21",
"text": "\"Assuming you are paying into and elig... | fiqa |
049c0255dabe88f40a77fadd688989c4 | Mortgage or not? | [
{
"docid": "1b410374cf170e730ad6a327bc8d22c8",
"text": "\"I often say \"\"don't let the tax tail wag the investing dog.\"\" I need to change that phrase a bit to \"\"don't let the tax tail wag the mortgage dog.\"\" Getting a tax deduction on a 4% mortgage basically results (assuming you already itemize) in ... | [
{
"docid": "b74742b32b99f9bd32cd60cc84d3206f",
"text": "\"Often the counter-party has obligations with respect to timelines as well -- if your buying a house, the seller probably is too, and may have a time-sensitive obligation to close on the deal. I'm that scenario, carrying the second mortgage may be eno... | fiqa |
c467cb3ff38ff2d1e0f9ce0234076902 | Can a high down-payment on a house offset the need for proof of income? | [
{
"docid": "c76970e30c823bc2176824cf18ec15a3",
"text": "It's difficult to provide an exact answer as this will very much depend on the bank & the local regulatory scheme. However as a business owner you should be able to provide incorporation docs, some proof of ownership of the company and last years' fin... | [
{
"docid": "7cf5c99fe0c5d5951803ae8a0299a763",
"text": "The days are long gone when offered mortgages were simply based on salary multiples. These days it's all about affordability, taking into account all incomes and all outgoings. Different lenders will have different rules about what they do and don't ac... | fiqa |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.