vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"US Sanctions are usually very nuanced and you should look them up yourself.  It may be widely reported that ""US sanctions X-country"" and it may be widely understood that it means all funds from anybody in that country are blocked, that USUALLY isn't the case (or ""many times"" isn't the case, I'm not going to bother quantifying that) Many times it is a comprehensive list of certain individuals and businesses that are blocked. The US Treasury publishes a list of these organizations. This misinterpretation can trickle down to companies. You would think big financial companies understand regulations, but they typically just react to how things are reported and have no uniform understanding of the financial regulations they are subject to. Private companies create unique and arbitrary company policies in reaction to the spirit of a regulation. So could it be that all Iranians cannot interact with the US financial system? Sure, thats possible. Could it be a lot more nuanced? Sure. Does it matter if the broker will actually investigate your SSN with USCIS? Maybe, maybe not. Does it matter if you disclose you are a dual citizen if they claim they can just check your SSN?  The financial institution is the one liable for misinterpreting sanctions. Let the consequences guide your actions."
; outlook stable; Short-term P-1 affirmed Citibank, N.A. Long-term deposit rating to A3 from A1, outlook stable; Short-term to P-2 from P-1 Credit Agricole S.A. Long-term debt and deposit rating to A2 from Aa3, outlook negative; Short-term P-1 affirmed Credit Suisse AG Long-term deposit and senior debt rating to A1 from Aa1, outlook stable; Short-term P-1 affirmed Deutsche Bank AG Long-term deposit rating to A2 from Aa3, outlook stable; Short-term P-1 affirmed Goldman Sachs Bank USA Long-term deposit rating to A2 from Aa3, outlook stable; Short-term P-1 affirmed HSBC Bank plc Long-term deposit rating to Aa3 from Aa2, outlook negative; Short-term P-1 affirmed JPMorgan Chase Bank, N.A. Long-term deposit rating to Aa3 from Aa1, outlook stable; Short-term P-1 affirmed Morgan Stanley Bank, N.A. Long-term deposit rating to A3 from A1, outlook stable; Short-term to P-2 from P-1 Royal Bank of Canada Long-term deposit rating to Aa3 from Aa1, outlook stable; Short-term P-1 affirmed Royal Bank of Scotland plc Long-term deposit rating to A3 from A2; outlook negative; Short-term to P-2 from P-1 Societe Generale Long-term debt and deposit to A2 from A1; outlook stable; Short-term P-1 affirmed UBS AG Long-term debt and deposit to A2 from Aa3, outlook stable; Short-term P-1 confirmed.
A letter of credit is commonly used by importers who want to ensure that their product is shipped before paying the exporter. The exporter has a guarantee that the payment for the goods will be received once the shipment has been made.  It is used to resolve a Game Theory type situation. For example, you are buying a car from China for $40,000 USD. The exporter of the car asks for the money before he will ship the car, but if you give him the money, then he has no incentive (aside from legal pressures) to ship the car. Instead you sign a letter of credit for the transaction, which basically sends your payment to the exporters bank, but puts a hold on it until the exporter proves that he has shipped the car and proved that he has insured the shipment against damages.
"You may be considered a resident for tax purposes. To meet the substantial presence test, you must have been physically present in the United States on at least: 31 days during the current year, and       183 days during the 3 year period that includes the current year and the 2 years immediately before. To satisfy the 183 days requirement, count:           All of the days you were present in the current year, and           One-third of the days you were present in the first year before the current year, and           One-sixth of the days you were present in the second year before the current year. If you are exempt, I'd check that ending your residence in Germany doesn't violate terms of the visa, in which case you'd lose your exempt status. If you are certain that you can maintain your exempt status, then the income would definitively not be taxed by the US as it is not effectively connected income: You are considered to be engaged in a trade or business in the United States if you are temporarily present in the United States as a nonimmigrant on an ""F,"" ""J,"" ""M,"" or ""Q"" visa. The taxable part of any U.S. source scholarship or fellowship grant received by a nonimmigrant in ""F,"" ""J,"" ""M,"" or ""Q"" status is treated as effectively connected with a trade or business in the United States. and your scholarship is sourced from outside the US: Generally, the source of scholarships, fellowship grants, grants, prizes, and awards is the residence of the payer regardless of who actually disburses the funds. I would look into this from a German perspective. If they have a rule similiar to the US for scholarships, then you will still be counted as a resident there."
"I assume you are filing US taxes because you are a US citizen, resident alien, or other ""US person"". If you have a total of $10,000 or more in assets in non-US accounts, you are required to file FinCEN Form 114, Report of Foreign Bank and Financial Accounts, also known as FBAR, to report those accounts.  See Comparison of Form 8938 and FBAR Requirements.  Note this refers to the total balance in the account (combined with any other accounts you may have); the amount you transferred this year is not relevant.  Also note that the FBAR is filed separately from your income tax return (it does not go to the IRS), though if you have over $50,000 in offshore assets you may also have to file IRS Form 8938. Simply reporting those accounts does not necessarily mean you will owe extra taxes.  Most US taxes are based on income, not assets. According to the page linked, the maximum penalty for a ""willful"" failure to report such accounts is a fine of $100,000 or 50% of the assets in question, whichever is greater, in addition to possible criminal sanctions. There may be other US filing requirements that I don't know about, so you may want to consult a tax professional.  I do not know anything about your filing requirements under Indian law."
France is one country where cheques are common. More an more people are using credit cards for typical store payments and wire transfers are slowly gaining traction. There are several cases where cheques come handy: Sure, all these cases could ultimately be resolved with a wire transfer. Sometimes it is just simpler/faster to mail a piece of paper. This said, I believe than in 1à years from now even France will go cheque-less.
You could get a job in your new country, but you could have done that without first stealing $100,000. Frankly, if you're the sort of person who can get a $100,000 credit limit, you probably can live a lot better in the U.S. by continuing to work and play by the rules than you could by stealing $100,000 and fleeing to Haiti or Eritrea. You might say, okay, $100,000 isn't really enough. What if I could get a $1 million credit limit? But if you have the income and credit rating to get a $1 million credit limit, you probably are making at least several hundred thousand per year, probably a million or more, and again, you're better off to continue to play by the rules. The only way that I see that a scam like this would really work is if you could get a credit limit way out of proportion to any income you could earn legitimately. Like somehow if you could convince the bank to give you a credit limit of $1 million even though you only make $15,000 a year. But that would be a scam in itself. That's why I think the only time you do hear of people trying something like this is when they USED to make a lot of money but have lost it. Like someone has a multi-million dollar business that goes broke, he now has nothing, so before the bank figures it out he maxes out all his credit and runs off.
"If it is planned, then one can get a Bankers Check payable overseas; if destination is known. 1.) What will happen to the money? It will eventually go to Government as escheating. Unlcaimed.org can help you trace the funds and recover it. 2.) Will the banks close the accounts?   3.) After how much time will the banks close the accounts? Eventually Yes. If there is no activity [Note the definition of activity is different, A credit interest is not considered as activity, a authentic phone call / correspondence to change the address or any servicing request is considered activity] for a period of One year, the account is classified as ""Dormant"". Depending on state, after a period of 3-5 years, it would be inactive and the funds escheated. i.e. handed over to Government. 4.) Is there anything else to do? Any ideas? Before leaving? Try keeping it active by using internet banking or credit / debit cards linked to the account. These will be valid activities.  5.) Is there any way to send a relative to the US with any kind of paper of power, to unfreeze the accounts? 6.) The banks say they would need a power of attorney, but does that person actually need to be an attorney in the US, or can it simply be   a relative WITH a paper (a paper that says power of attorney) or what   is a power of attorney exactly, is it an actual attorney person, or   just a paper? 7.) Is there any other way to unfreeze the accounts? Although I can confirm first hand; I think there would be an exception process if a person cannot travel to the Bank. It could even be that a person is in some remote state, not well etc and can't travel in person. I think if you are out of country, you could walk-in to an US embassy and provide / sign relevant documents there and get it attested. Although for different purpose, I know a Power of Attorney being created in other country and stamped / verified by US embassy and sent it over to US. This was almost a decade back. Not sure about it currently."
"No it is not ""Normal"" the normal process is that the money is transferred to your account with out issue.  This would be an exception.  That does not mean that there is anything to worry about.  It could be that the transaction met some criteria that triggered closer examination, or it could be that yours is just one randomly being reviewed.  And it could just be that your husbands partner misunderstood or lied.   Step 1 would be contact the bank and find out what is going on and if there is any action you need to take.  Assuming that the bank confirms the status and the amount is significant enough I would probably give my lawyer a heads up of what is going on.  If Homeland Security is involved there is a reasonable chance that you will need that representation anyway so getting the lawyer involved early might save you a headache in the end.  The lawyer is probably the only person that will be able to get any answers for your anyway. from comments: My husband is a consultant that works for another company - as a   consultant. That company received a contract from a government south   of the US (Free Trade approved). That government first wired the   overall government contract to the company account in that originating   country, then... the funds were wired to the US counterpart company   ... then then consultants gets paid. It sounds like the contract is not your normal business to business international contract.  So normal goes out the window there.  When you start getting foreign governments involved things get... lets use the word ""interesting.""  If the contract involves anything with military or restricted technology applications (even if they are not directly military) then HSA wants to make sure that no one is circumventing export restrictions.  With out knowing more specifics it is difficult to guess whether or not there is anything for your husband to worry about.  The bottom line for him is that he does not have his money so he should keep that in mind when delivering services to the Prime Contractor."
NYT has no authority to report on the credit card account.  The introductory offer you accepted likely had a specified duration, like a 1 year commitment from you.  It doesn't matter that you used a virtual card, or a credit card, or check or any other form of payment.  NYT can, if it wants, send your NYT account to collections and/or report your delinquency to a reporting agency.  But this reporting would be your NYT account, not the credit card.
"The formula is actually as follows: (0.06571441 * V^2) + 15 * V, where V is the value divided by 1,000 which gives us AU$ 23,929 You find the same value using the calculator you linked to if you select ""Investment"" instead of ""Primary Residence"" or uncheck ""I am a first home buyer""  Edit: I don't know how they determine the $AU 821, it might be worth calling them. From looking up the First Home Owner Discount, it looks like no stamp duty may be due if you qualify for the discount: From 1 September 2016, the Northern Territory Government introduced increased stamp duty assistance for first home buyers who purchase an established home in the Northern Territory up to the value of $650 000. The First Home Owner Discount (FHOD) is a full stamp duty concession on the initial $500 000 value of the home, which equates to stamp duty savings of up to $23 928.60. For established homes valued at more than $650 000, a stamp duty saving of $10 000 is available until 31 December 2016. source: Department of Treasury and Finance"
"You'll have to research the Canada side of things on your own or maybe someone else can answer that side. For the Germany side, there is a gift tax (Schenkungssteuer) which depends on the relationship (Verwandschaftsgrad) of the giver and receiver. steuerklassen.com has an overview here which shows the tax class (Steuerklasse) and tax free amount (Freibetrag). So according to the overview, nieces get 20 000 € tax free amount, anything over 20 000 € within 10 years from the same gift giver will be taxed with tax class 2, which can range from 15% to 43% depending on the gifted amount. The full article is here It also mentiones a few ""tricks"" for example if you want to gift 40 000 € to your niece, you could gift 20 000 € directly and 20 000 € to your brother or sister who then gifts it to their daughter - you'll have to trust them to do that, though, because you can't put that in a contract. Bottom line of this: If you want to gift more than 20 000 €, your niece should contact a tax advisor (Steuerberater).  About the bank transfer: Your niece will have to declare any bank transfers over 12 500 € that she receives. Her bank will know how to do that so she should just ask them. It also might be helpful for her to have a letter from you stating that the money came from you and is a gift, just in case the tax office (Finanzamt) doesn't believe that the money isn't from moonlighing (Schwarzarbeit)."
"In Europe in most of the countries there is also a thing called ACH. In UK there is a thing called BACS and in other countires there are other things. Essentially every country has what is called a ""Low value Net Settlement System"" that is used to transfer funds between accounts of different banks. In US there is rounting number, in UK there is a Sort Code, in Indonesia there is a sort code. Essentially a Bank Identifier that is issued by the Governing body within respective countires.   Certian identifiers like SWIFT BIC [Bank Identification Code] are Unique across world."
"Some years ago I was in a similar situation with a CAD cheque. I did not experience any reservation period of months. Within Canada, around a week was usual, and as far as I remember that was the case also for the cheque deposited to the EUR account.  You could ask your bank whether a certified cheque (has to be done at the ""home"" bank of the sender) will have the same reservation period and what the processing time will be anyways.  I found a large variation of the (large) fees for cashing foreign cheques. It may be worth asking a few different banks for their conditions (both fees and duration for the whole process)."
The US requires its (tax) residents to report foreign accounts if the balances (on all the accounts together) are $10K or more at any given day during the year. This is done through the FBAR system. In addition, you obviously need to report this income on your US tax return and pay taxes. If the balances on your foreign accounts exceed specific threshold, your tax return should also include form 8938. If you report everything and pay the taxes due - you can keep the money wherever you want and transfer it between your accounts as you may see fit. If you don't - the US government may come after you with huge penalties, and the Dubai bank may freeze your account. Its easy to become US tax resident. Stay in the US for more than half a year in a row - and here you are. Subject to the US taxation. Even if you're not a US citizen or green card holder, or at all illegal. Some immigration statuses may grant you an exemption, but none that allows you working for your Dubai employer, so I'm assuming you're a US tax resident.
You borrow on  the international makets.  [Moody's predicts Scotland would get an 'A' credit rating](http://www.bbc.co.uk/news/uk-scotland-scotland-politics-27247870)  [Standard &amp; Poors - Independent Scotland could be AAA rated](http://www.businessforscotland.co.uk/independent-scotland-could-be-aaa-rated-standard-poors)  [Credit Suisse report independent Scotland would be ranked four places higher than the rUK.](http://www.newsnetscotland.com/index.php/scottish-news/9637-scotland-ahead-of-ruk-even-without-oil-says-credit-suisse-report)  [An independent Scotland would be a wealthy and financially viable country like New Zealand, but could suffer initial growing pains, according to credit ratings agency Standard &amp; Poor's.](http://www.theguardian.com/politics/2014/feb/27/independent-scottish-economy-viable-slow-first-standard-poors)
I figured you might say Australia.  Unfortunately, you'll still need to pay US taxes (if I understand things correctly) on top of any Australian taxes you'll have to pay so long as you are still a US citizen (and afaik, you can't give up US citizenship w/o first becoming a citizen of some foreign country).  Do you have a plan for this (yet)? If so, what?  I have to say that the reaction to Eduardo Saverin leaving the US is frightening and certainly goes a long way toward validating your concerns.
"After reviewing the tax treaty between New Zealand and Australia, I think the issue is whether or not you have an interest in a ""permanent establishment"" in Australia where you do business.  The bank is not relevant as it is merely the vehicle by which you collect payment and would only come into the picture if you had an income bearing account (which you have indicated you do not). Even if you work out of the offices of the Australian company, you do not have a financial interest in their offices and as such, would pay taxes on the income in New Zealand (see documentation below). https://www.ato.gov.au/business/international-tax-for-business/foreign-residents-doing-business-in-australia/tax-on-income-and-capital-gains/#permanentestablishment"
Here is a list of threads in other subreddits about the same content:   * [You're more likely to achieve the American dream if you live in Denmark](https://www.reddit.com/r/neoliberal/comments/6zxabb/youre_more_likely_to_achieve_the_american_dream/) on /r/neoliberal with 1 karma (created at 2017-09-14 00:23:51 by xc89[author of both threads])   ----    ^^I ^^am ^^a ^^bot  ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts)
You didn't ask, but I'll tell you anyway: social security will normally be handled by Switzerland as the country of employment - not the country of residence. Your employer will automatically deduct old age, unemployment and accident insurance and contribute to a pension plan, all in Switzerland. However... ... if you do a lot of your work in Germany (>25%), which certainly applies if you plan on mostly working remotely, your social security will be handled by your country of residence. This is a major pain for your employer, because now your Swiss employer needs to understand the German social security system, how much and to whom to co-pay and so forth. This is a major area of study, and your employer may not want to spend all this effort. My employer has looked at this and requires anyone living outside of Switzerland to limit working from home to less than 25%, because by extension, they would some day also need to do the same for employees living in France, Italy, Austria... or even the UK. They don't want to dig through half the EU states' social security regulations. Therefore, you would not be able to work remotely from Germany for my employer. This is actually a fairly recent development that only entered in force at the beginning of 2015 (before that, this was all a bit of a gray area). Your prospective employer may not be aware of all details. So you will need to think about whether you actively want to point them at this (possibly ruining your plans of working remotely), or not (and possibly getting major problems and post-payments years later). Finally, I think you can choose whether you want to have your health insurance in Switzerland or in Germany (unless your Swiss obligation to be insured is waived because of your part-time status). Some Swiss health insurers offer plans where they cooperate with German health insurers, so you can go to German doctors just like a German resident. Source: I have been a Grenzgänger from Germany into Switzerland off and on for over ten years now. I can't say anything about whether your German visa restricts you from working in Switzerland.
Fear tactics posted above, likely by IRS agents. Yes, you qualify based on the residence test. You perform your work outside the US. You gather business data in a foreign country. The income is excluded.
"This is an advanced fee scam you do not have any money in a foreign account nor will paying any taxes or fees get that money. A clue is that the Constitution of the United Kingdom has no mention of taxes and is also not organized into sections in a manner like ""4.11"". If you really want to confirm this. You should be able to contact the UK branch of Investec Bank. They would be able to confirm the means that they would use to contact individuals with account issues."
Plenty of retired people do stay in the US for longer than 60 days and don't pay taxes. In this IRS document 60 days stay appears to be the test for having a 'substantial presence' in the US, which is part of the test for determining residency. However the following is also written: Even if you meet the substantial presence test, you can be treated as a nonresident alien if you are present in the United States for fewer than 183 days during the current calendar year, you maintain a tax home in a foreign country during the year, and you have a closer connection to that country than to the United States.  In other words, if your property in the US is not your main one, you pay tax in another country, and you stay there less than half the year, you should be treated as a non-resident (I am not a lawyer and this is not advice). This IRS webpage describes the tax situation of nonresident aliens. As I understand it, if you are not engaged in any kind of business in the US and have no income from US sources then you do not have to file a tax return. You should also look into the subject of double tax agreements. If your home country has one, and you pay taxes there, you probably won't need to pay extra tax to the US. But again, don't take my word for it.