vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"There is no magic formula to this, quite simply: earn, cut expenses, and pay.  It sounds like you can use a little bit of help in the earning area.  While it sounds like you are career focused (which is great) what else can you do to earn?   Can you start a low cost of entry side business?  Examples would include tutoring, consulting, or even baby sitting.  Can you work a part time job that is outside of your career field (waiter, gas station, etc...)? One thing that will help greatly is a written budget each and every month.  Have a plan on where to spend your money.   Then as you pay off a loan throw that money at the next one. No matter if you use the smallest loan first or highest interest rate first method if you do that your debt payments will ""snowball"", and you will gain momentum. I'd encourage you to keep good records and do projections.  Keeping good records will give you hope when you begin to feel discouraged (it happens to just about everyone).  Doing projections will give you goals to meet and then exceed.   The wife and I had a lot of success using the cash envelope system and found that we almost always had money left over at the end of the pay cycle.  For us that money went to pay off more debt.     Do you contribute to a 401K?  I'd cut that to at least the match, and if you want to get crazy cut it to zero.   The main thing to know is that you can do it. I'd encourage you to pay off all your loans not just the high interests ones."
Start as soon as you can and make your saving routine.  Start with whatever you feel comfortable with and be consistent.  Increase that amount with raises, income gains, and whenever you want.
Nothing beats statistics like that found on Morning Star, Yahoo or Google Finance.  When you are starting out, there is no need to reinvent the wheel.  Pick a couple of mutual funds with good track records and start there.   Keep in mind the financial press, to some degree, has a vested interest in having their readership chase the next hot thing.  So while sites like Seeking Alpha, Kiplingers, or Money do provide some good advice, there is also an element that placates their advertisers.   The only peer-to-peer lending I would consider is Lending Club.  However, you are probably better off in the long run investing in mutual funds.  One way to get involved in individual stocks without getting burned is to participate in Dividend Reinvestment Plans (DRIPs).  Companies that have them tend to be very well established, and they are structured to discourage trading.  Buying is easy, dividend reinvestment is easy, dividend payouts are easy; but, starting and selling  is kind of a pain.  That is a good thing.
Since there are no details (rightfully so). You need to know how it will make money, period. Snap chat sounded like a weird idea, but it got super popular and is valued very high. But guess what - it doesn't know how to make money. Which is why the value has been so volatile and going down. You need to know how your idea will *very specifically* make money. Details about your target audience, how many people does it include, how you will attract them, why they would want your product or service over someone else's, how you will give it to them, how much they would pay, how often would it be needed. And you need to know how much money it will cost you to make that money so figure out the costs you need to know the exact resources that you will need, how much they will cost, how long it will take to even begin execution, and how long you expect it will be until you are cash flow positive. There's a lot more but hopefully that's a starting point for you since you seem to not any real research done
manage the company properly. If you aren't much aware about company rules and regulation or tax matters, get an accountant so that you don't mess up later. better off paying my self a dividend of 100% profit or as an employee? That depends on how much salary you intend to pay yourself, your dividend or how much business expenses you will incur while running the business.  Generally speaking you are better off paying your self a minimum salary and pay the rest as dividends. But check out the dividend tax and the income tax you might need to pay and compare which situation you are better off. If you have a partner, using the dividend way will reduce your NI outgoes. ethical and legal? Ethically the dividend way might burn your conscience but it is perfectly legal way of doing things.
"The first thing you have to do is to decided what area in finance you want to get into. For example, investment banking and quant are very different jobs. Learning all the CFA material is useful, so you might as well take the exams too while you are at it. You may be able to get into financial IT or some type of financial programming job. That is one step closer to your goal because at least you will be at a finance company and you can network with people that are in the field.  Also, if you want to go into the buy side like I did, I recommend you invest your own money and manage your own portfolio. That way you would have some intimate familiarity with some companies/strategies. You can't get this from a textbook. There is something a little wrong with someone who wants to manage other people's money when he doesn't manage his own. That is a tough sell.  You can't be too picky about where you get in. Getting in the door is the most important. I got a lot of quant interviews because I was an engineer. Those interviews consist of a lot of math and brain teaser type questions. For fundamental analyst positions, they will typically want to figure out how you think about businesses/companies.  You can typically steer the interview any way you want, which is why I think it is important that you invest your own money. If you say ""the largest position I hold is in XYZ company"", you can be 99% certain that they will be asking about that investment for the next 15 minutes (at least). That is your opportunity to show how you can add value.  Most companies prefer students for entry level, because why hire a guy who is already working in another field when you can get someone fresh? I stood out in the interviews because I could say ""I put $50k into this position because..."". It's not the only way to do it, but I can only provide you with my anedoctal experience."
Good professional tax advice is expensive. If your situation is simple, then paying someone doesn't give you more than you could get from a simple software package.  In this case, doing your own taxes will save you money this year, and also help you next year, as your situation grows steadily more complex. If you don't do your own taxes when you're single with a part time job, you'll never do it when you have a family, a full time job, a side business, and many deductions. Learning how to do your taxes over time, as your 'tax life' becomes complex, is a valuable skill. If your situation is complex, you will need pay a lot to get it done correctly. Sometimes, that cost is worthwhile. At bare minimum, I would say 'attempt to do your taxes yourself, first'. This will force you to organize your files, making the administrative cost of doing your return lower (ie: you aren't paying your tax firm to sort your receipts, because you've already ordered them nicely with your own subtotals, everything perfectly stapled together). If your situation is complex, and you find a place to get it done cheaply (think H&R Block), you will not be getting value for service. I am not saying a low-end tax firm will necessarily get things wrong, but if you don't have a qualified professional (read: university educated and designated) doing your return, the complexities can be ignored. Low-end tax firms typically hire seasonal staff, train them for 1-2 weeks, and mostly just show them how to enter tax slips into the same software you could buy yourself. If you underpay for professional services, you will pay the price, metaphorically speaking. For your specific situation, I strongly recommend you have a professional service look at your returns, because you are a non-resident, meaning you likely need to file in your home country as well. Follow what they do with your return, and next year, see how much of it you can do yourself. Before you hire someone, get a fee quote, and shop around until you find someone you are comfortable with. $1k spent now could save you many headaches in the future.
For most business purposes, Gmail/ Outlook should suffice. Just make sure your username sounds professional enough.   Try and stick to FirstName+LastName @ Gmail/Outlook dot com, if that's available. You could also get yourself NameOfYourBusiness @ Gmail/ Outlook dot com  If you want to come across as a well established business, and only if you've some cash to spare every year, getting yourself a domain name would be a good idea. But, if your business/ services aren't too popular, yet; I'd suggest you defer that expense.
You can invest for yourself, be your own boss, make your own hours. My boyfriend and I both trade for our personal income, and we work from home and have these as our only jobs.. he chooses to work longer hours and devote more time to it, because he values money over free time more than I do. If you consciously choose what you value most (the ratio of work time to free time), you can make it your goal to secure a job which follows your values. If you let your job dictate your hours/values for you (for example, accepting a position somewhere because it will make you a lot of money, but it will leave you with little free time) you may be unhappy if that's not what you want. I think people have a lot more control over their happiness and work hours than they give themselves credit for. Good luck in your path!
The easiest way to get started on a budget is just to track where you spend your money. If you have set bills each month I would make a category for each of those to make sure you have enough to pay. You can try and split up the remaining income into categories but the easiest way to start is just to track your spending for a month or two. This gives you a birds eye view of what is actually realistic. Start with that total as your preliminary budget and then adjust as you go along to meet other financial goals. We use neobudget.com for tracking our income.
First I'd like to echo msemack's answer. Start by maxing out your 401K and IRA contributions. Not a lot of people just starting their career have the luxury of doing much more outside of that. Here are some additional tips that I learned when I was just getting started:
The first thing you need to do is to set yourself a budget. Total all your money coming in (from jobs, allowances, etc.) and all your money going out (including rent, utilities, loan repayments, food, other essential and the luxuries).  If your money coming in is more than your money going out, then you are onto a positive start. If on the other hand your money going out is more than the money coming in, then you are at the beginning of big trouble. You will have to do at least one of 2 things, either increase your income or reduce your expenses or both. You will have to go through all your expenses (money going out) and cut back on the luxuries, try to get cheaper alternatives for some of your essential, and get a second job or increase your hours at your current job. The aim is to always have more money coming in than the money you spend. The second thing to do is to pay off any outstanding debts by paying more than the minimum amounts and then have some savings goals. You said you wanted to save for a car - that is one saving goal. Another saving goal could be to set up a 6 month emergency fund (enough money in a separate account to be able to survive at least 6 months in case something happened, such as you lost your job or you suddenly got sick). Next you could look at getting a higher education so you can go out and get higher paying jobs. When you do get a higher paying job, the secret is not to spend all your extra money coming in on luxuries, you should treat yourself but do not go overboard. Increase the amounts you save and learn how to invest so you can get your savings to work harder for you. Building a sound financial future for yourself takes a lot of hard work and discipline, but once you do get started and change the way you do things you will find that it doesn't take long for things to start getting easier. The one thing you do have going for you is time; you are starting early and have time on your side.
"If you start an LLC with you as the sole member it will be considered a disregarded entity.  This basically means that you have the protection of being a company, but all your revenues will go on your personal tax return and be taxed at whatever rate your personal rate calculates to based on your situation.  Now here is the good stuff.  If you file Form 2553 you can change your sole member LLC to file as an S Corp.  Once you have done this it changes the game on how you can pay out what your company makes.  You will need to employ yourself and give a ""reasonable"" salary.  This will be reported to the IRS and you will file your normal tax returns and they will be taxed based on your situation. Now as the sole member you can then pay yourself ""distribution to share holders"" from your account and this money is not subject to normal fica and social security tax (check with your tax guy) and MAKE SURE to document correctly.  The other thing is that on that same form you can elect to have a different fiscal year than the standard calendar IRS tax year.  This means that you could then take part of profits in one tax year and part in another so that you don't bump yourself into another tax bracket.  Example:  You cut a deal and the company makes 100,000 in profit that you want to take as a distribution.  If you wrote yourself a check for all of it then it could put you into another tax bracket.  If your fiscal year were to end say on sept 30 and you cut the deal before that date then you could write say 50,000 this year and then on jan 1 write the other check."
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I started a group last year called The Creative Coalition of Southern Illinois, our aim is to help artists network and collaborate with other artists. We also provide classes and set up local events. Something like that would be of interest to me as my group is still quite unorganized and would love to learn how to organize things better. I'm also interested in setting up systems/networks to help artists find jobs.  I'm open to many different types of art start ups, I love art and would enjoy being involved in most projects. What do you know of?
There is no such thing as a startup loan. You take personal loans, and borrow money from friends and family. That's it.  No one else is stupid enough to fund your insane scheme. And if they are, they want 60% of the company for a pittance.
For your girlfriend (congrats to you both on the coming new baby!), full-time mothers often become work-at-home moms using skills that they may have utilized in the outside-the-home workforce before they made the decision to stay home.   Etsy can be a place where some do this, but there are many articles out there pointing out that it also doesn't work for many people.  I tried to earn some side money there and didn't make a dime.  For those with a niche product, though, it can really work. A book on working at home as a mother (from a Christian perspective with specifically religious overtones, so not the right book for someone who would not appreciate that aspect) is Hired @ Home.  There are secular resources, such as the website Work From Home.  From everything I've ever heard in researching the topic of becoming a WAHM (work at home mother), it's a challenging but rewarding lifestyle.  Note that according to one WAHM I know, only contract work is reliable enough to be depended on for family obligations (this is true of any part time work).  Freelancing will have so many ups and downs that you can't bank on it to, say, pay the mortgage unless you really get going. Ramit Sethi of I Will Teach You To Be Rich focuses a lot on Earning More Money with ideas that might benefit both of you.  His angle is that of working on top of an existing job, so it may specifically help you think of how to take your programming skills (or a hobby you have besides programming) and translate them into a career.
If you have no idea where to start, but have an appropriate financial history (as opposed to just now moving into a household of your own), bring out some old account statements and categorize each line item in a way that makes sense to you. Don't be too specific; four or five categories will probably be plenty. These are categories like ""living expenses"" (rent, electricity, utilities, ...), ""food and eating out"" (everything you put in your mouth), ""savings"" (don't forget to subtract what you take out of savings), and so on. This will be your initial budget. If you have no financial history, you are probably quite young and just moving out from living with your parents. Ask them how much might be reasonable in your area to spend on basic food, a place to live, and so on. Use those numbers as a starting point for a budget of your own, but don't take them as absolute truths. Always have a ""miscellaneous expenses"" or ""other"" line in your budget. There will always be expenses that you didn't plan for, and/or which don't neatly fall into any other category. Allocate a reasonable sum of money to this category. This should be where you take money from during a normal month when you overshoot in some budget category; your savings should be a last resort, not something you tap into on a regular basis. (If you find yourself needing to tap into your savings on a regular basis, adjust your budget accordingly.) Figure out based on your projected expenses and income how much you can reasonably set aside and not touch. It's impossible for us to say exactly how much this will be. Some people have trouble setting aside 5% of their income on a regular basis without touching it; others easily manage to save over 50% of their income. Don't worry if this turns out a small amount at first.
"I think it's a good idea but you can't just say ""we're interviewing some of the biggest crowdfunding successes"" and not really have any proof that you have some big names to interview. Maybe you should think up your own questions, get the first interview out of the way to prove you can get the big names, post it to reddit and then get people involved for the second interview."
or just input it in my accounting software along with receipts, and   then when I'm doing taxes this would go under the investment or loses   (is it somewhere along that line)? Yes, this. Generally, for the long term you should have a separate bank account and charge card for your business. I started my business (LLC) by filing online, and paying a fee for a   registration, and that makes it a business cost right? Startup cost. There are special rules about this. Talk to your tax adviser. For the amounts in question you could probably expense it, but verify.
keep working on it, a lot of people lose momentum. Start small, and buy as many products as you can and flip them. Start growing a profit, then eventually you'll start having enough for a store. To get funds, just get a job as a busser somewhere and work as many shifts as you can, you can make around 300- 400$ a week, save up for a few months.
"Yes, you can make the election to file your LLC as an S-Corp, and Turbo Tax Business can help you with the S-Corp business return. You need to make sure you're set up correctly and there are a lot of things to be aware of. For example, the whole ""reasonable salary"" thing is a can of worms. So while the answer to your question is ""yes, it's manageable, you can do it on your own,"" it might be worthwhile to have a professional help you the first year, make sure it's set up right, and then you can do it on your own in subsequent years."
Firstly if you've formed a limited company you don't need to register as self-employed.  You're an employee and shareholder of the company and your taxes will be handled that way. Registering as self-employed is only necessary if you're operating as a sole trader (i.e. without a company). Secondly you absolutely do want to get set-up correctly with HMRC as soon as possible, whether you're a company or a sole trader.  Ignoring the legal question your worry about paying taxes when you have no income is groundless - if you're not making any money there won't be any tax to pay.  Furthermore it seems likely that the business is currently losing money.  Those losses, if correctly recorded, can be carried forward and offset against future profits so not only do you not have to pay tax now, but you can reduce the tax you pay later when the money does start rolling in.
I'd suggest you take a less is more approach. A few well written summaries and don't sweat it. He doesn't have time to read a novel. My guess would be career interests, more so than personal. Probably just introduce yourself, mention your interest in role/company, your background.
What are the most important facts to keep in mind as I consider this? IMHO, the most important consideration to keep in mind is - do you really want to be in the landlord business, and if so, how much experience do you have in this business?
Well, to get money, you need to leverage your assets. So your options basically are: - Asset: Cash. Well, I figure if you had, you wouldn't have asked how to get more of it, but its always worth mentioning. Don't forget about cash that can be in tricky places to tap, like 401ks, IRAs, investment accounts, etc. There is usually some way to get at the cash, but it may not be worth it and you could end up sacrificing long term financial stability if you do. - Asset: Job Skills and Initiative. Get a job and and earn the cash. $2k is not a ton, and if you live frugally you should be able to save it. There are tons of websites dedicated to living frugally and earning extra cash on the side. My personal favorite is r/beermoney. - Asset: Good Credit. Borrow the money from a traditional bank. Signature loans go up to $35k at most banks, just ask what it would take to qualify. You could also get a credit card for that amount, and use it to start up the business. - Asset. Bad Credit. If you've got bad credit, you can still take out a loan from a place like Prosper or Lending Club or Sofi (these places are handy if you have good credit, too). Your rates will be much higher, but they will still lend to you. - Asset: Property. If you own stuff, you can sell it and get cash. Clean out your attic (or ask relatives if you can have the stuff in theirs!) and sell it. If you own fancy stuff, you can borrow against it (home, car, boat, etc.). - Asset: Your Charm and Winning Smile. If you have a good, solid business plan (written down and professional looking), ask around and see if you can find an investor. It could be friends or family, but it could also be someone who is looking to invest. Be professional, and be sure to draw up the appropriate business docs if you do a partnership or take a private loan. - Asset: Your Government.