vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Both Wells Fargo and Chase are participants in clearXchange, which enables the various QuickPay type services to work with each other.  They may be using this system rather than an ACH wire transfer to transfer your money (and to verify the account).
"Yodlee and Mint are good solutions if you don't mind your personal financial information being stored ""in the cloud"". I do, so I use Quicken. Quicken stores whatever you give to it for as long as you want: so the only question is how to get the credit card transactions you want into it? All my financial institutions allow me to view my credit card statements for a year back, and download them in a form Quicken can read. So you can have a record of your transactions from a year ago right now, and in a year you will have two year's worth."
CashBase has a web app, an iPhone app and an Android app, all sync'ed up. It doesn't integrate with banks automatically, but you can import bank statements as CSV. Disclosure: Filip is CashBase's founder.
Given your needs, GNUcash will do swimmingly. I've used it for the past 3 years and while it's a gradual learning process, it's been able to resolve most stuff I've thrown at it. Schedule bills and deposits in the calendar view so I can keep an eye on cash flow.  GNUcash has scheduled payments and receipts and reconcilation, should you need them. I prefer to keep enough float to cover monthly expenses in accounts rather than monitor potential shortfalls.   Track all my stock and mutual fund investments across numerous accounts. It pulls stock, mutual and bond quotes from lots of places, domestic and foreign. It can also pull transaction data from your brokers, if they support that.  I manually enter all my transactions so I can keep control of them. I just reconcile what I entered into Quicken based on the statements sent to me. I do not use Quicken's bill pay There's a reconciliation mode, but I don't use it personally. The purpose of reconcilation is less about catching bank errors and more about agreeing on the truth so that you don't incur bank fees. When I was doing this by hand I found I had a terrible data entry error rate, but on the other hand, the bayesian importer likes to mark gasoline purchases from the local grocery store as groceries rather than gas. I categorize all my expenditures for help come tax time. GNUcash has accounts, and you can mark expense accounts as tax related. It also generates certain tax forms for you if you need that. Not sure what all you're categorizing that's helpful at tax time though. I use numerous reports including. Net Worth tracking, Cash not is retirement funds and total retirement savings. Tons of reports, and the newest version supports SQL backends if you prefer that vs their reports.
API wise there's just one at the retail level: Interactive Brokers (India). Brokerage is high though - 3.5 bps for F&O and 5 bps for cash.  I've used Sharekhan (good, can get to 2 bps brokerage, trading client software, no API). Also used multiple other brokerages, and am advising a new one, Zerodha http://www.zerodha.com. API wise the brokers don't provide it easily to retail, though I've worked with direct access APIs at an institutional level.
yeah... no track record.  Here's what I'm predicting:  PayPal-like policies designed to keep money in limbo (aka a float operation).  Personally, I'm surprised that Visa, Mastercard, et. al. haven't applied Dodd-frank transaction fee limits to prevent square from inserting itself between the consumer and creditor.
I don't know of any that are comparable to credit cards. There's a reason for that. Debit cards, being newer, have a much lower interchange rate. Since collecting on debt is risky and less predictable, rewards / miles are paid from those interchange fees. This means with a debit card there's less money to pay you with. So what can you do? Assuming your credit isn't terrible, you can just open a credit card account and pay in full for purchases by the grace period. I don't know how all cards work, but my grace period allows me to pay in full by the billing date (roughly a month from purchase) and incur no finance charges. In effect, I get a small 30 day loan with no interest, and a cash back incentive (I dislike miles). You're also less liable for fraud via CC than debit.
No. Bank of America helped out during the financial crisis by buying Merrill Lynch (I am not suggesting they did this for altruistic reasons, just trying to describe the position they were in despite already purchasing Countrywide). They were forced to accept TARP but they paid it all back by the end of 2009. If the IRS fucked up their math like BofA is suggesting then they deserve to be compensated.  Edit: Countrywide is one word.
There isn't one. I haven't been very happy with anything I've tried, commercial or open source. I've used Quicken for a while and been fairly happy with the user experience, but I hate the idea of their sunset policy (forced upgrades) and using proprietary format for the data files. Note that I wouldn't mind using proprietary and/or commercial software if it used a format that allowed me to easily migrate to another application. And no, QIF/OFX/CSV doesn't count. What I've found works well for me is to use Mint.com for pulling transactions from my accounts and categorizing them. I then export the transaction history as a CSV file and convert it to QIF/OFX using csv2ofx, and then import the resulting file into GNUCash. The hardest part is using categories (Mint.com) and accounts (GnuCash) properly. Not perfect by any means, but certainly better than manually exporting transactions from each account.
"A ""balance transfer"" is paying one credit card with another.  You probably get offers in the mail to do this all of the time.  As other posters have noted, however, this usually comes with finance fees rather than the rewards that you get for normal purchases because it's written into your credit card agreement as a different class of transaction with different rules. I'm not sure if it's urban legend or true, but I have heard stories that suggest there were some ""loop holes"" in the earliest credit card reward plans that allowed for something like what you want.  I doubt that any plan ever allowed exactly what you've written, but I've heard stories about people buying gift cards from merchants and then using the gift cards to pay their bill.  This loop hole (if it ever existed) is closed now, but it would have allowed for essentially infinite generation of rewards at no cost to the cardholder.  The banks and credit card companies have a lot of years of experience at this sort of thing now, so the threshold for you finding something that works and conforms with the cardholder agreement is pretty small."
Not sure if this is possible... It is possible! It is called a balance transfer card and most of the major credit card companies offer them. It is possible to save a significant amount on interest during the grace period. However... Is this a viable option? Not really. Any card will charge you an upfront fee of 3% to 5% of the balance you are transferring. This really only buys you some time in case you are about to fall behind on payments. For many people it's just a way to shuffle around debt, digging themselves a little deeper into consumer debt with each transfer.
I would investigate mint.com further.  Plenty of people have written off using them because Intuit purchased them, but that seems like cutting of your nose to spite your face. I think mint.com is worth it for its Trends functionality alone, not to mention its automatic categorization of your purchases, reminders when bills are due, notifications of increased credit card interest rates, and overdraft notices. I don't think mint.com schedules bills & deposits, but it tracks stocks & mutual fund investments and compares your portfolio returns against Dow Jones, S&P 500, or NASDAQ if you wish.  I'm not sure I see the advantage of manual transaction entry, but you can add cash or check transactions manually.  As I mentioned earlier, automated categorization is a great feature.  In addition, you can tag certain transactions as reimbursable or tax-related. If the primary feature you're interested in is stock quotes, maybe something like Yahoo Finance or Google Finance will be enough.
Someone else might be able to provide more details - but generally yes, of course.  International corporations can pursue debt collection across borders - whether or not they do is a matter of convenience rather than law.  My understanding is that a company's ability to report on your credit report is dependent on their membership in Equifax, USA etc. - so while most of your credit is country by country, international companies or companies with any relationship in other countries can follow you cross-border if they find out your new address and report the debt w/ that address.  Since virtually every major company has some American affiliate, I wouldn't hold my breath that you can escape it indefinitely ESPECIALLY since you don't already have the debt, and have the power to actually pay for the service that you're using.  Also - this is an incredibly scummy thing to do, and no matter how you dress it up as a financial decision it's just theft. Would you leave the country without paying your landlord? Without paying for groceries or other physical goods? Why is stealing from a telecom company any different?
"An old question... but the recent answer for me turned out to be Check (formerly Pageonce) https://check.me/ (NOTE: Check was recently purchased by Intuit and is now MintBills) The only thing Check doesn't do that PayTrust did was accept paper bills from payees that couldn't do eBill... but that's a rare problem anymore (for me anyways).  I went through each of my payees in PayTrust and added them into Check, it found almost all of them... I added my security info for their logins, and it was setup. The few that Check couldn't find, it asked me for the details and would contact them to try and get it setup... but in the meantime I just added them to my bank's billpay system with automatic payment rules (my mortgage company was the only one it couldn't find, and I know what my mortgage is every month so it's easy to setup a consistent rule) Check does so much more than PayTrust will ever do... Check has a MOBILE APP, and it is really the centerpiece of the whole system... you never really log into the website from your desktop (except to setup all the payees)... most of the time you just get alerts on your phone when a bill is due and you just click ""pay"" and choose a funding source, and bam you're done. It's been awesome so far... I highly recommend dumping PayTrust for it! FYI:  Check is clearly winning at this point, but some of the competition are  are http://manilla.com (not sure if you can pay your bills through them though) and DoxoPay ( https://www.doxo.com/posts/pay-your-bills-on-the-go-with-mobile-doxopay-new-android-app-and-an-updated-iphone-app/ )"
Trick question dude. Can't be done. Sorry to tell you. I've been hit with this. Credit card companies do not make money on these customers. Why does Amex have an annual fee on all cards and an abnormally large transaction fee for merchants? Because they don't allow you to carry a balance (On traditional cards). Meaning they don't make money on interest, like the customers in question here.
"I don't understand why he couldn't just log onto his account online, see the ""current balance"" and pay that?   I've got 4-5 credit cards (2 of them are Chase) and they *ALL* have an online portal which will show you a daily-calculated ""current balance"" right on your screen... you can then enter in your checking account and transfer over that amount to pay the whole thing off virtually instantly.   Does Chase continue to charge interest even after the balance goes to $0?"
Yahoo Finance doesn't offer this functionality; I remember looking for this exact feature a couple of years ago for coffee futures. Your best option is to look at the futures chain. However, Yahoo Finance's future chains aren't always complete, since you'll notice that the futures chain for NYMEX crude oil omit the June contract. The contract still exists, but Yahoo doesn't list it in its own futures chain or in the future chain for May.
Get a BMO US Mastercard and pay everything using that Mastercard? Unless you really have to pay using Chequing and Savings account.
If you go traditional financing there is a chance it'd be syndicated amongst a bank group. That is going to add a little depth to your credit agreement id imagine. You thinking a term loan with a 7-10 amortization? I've never seen a LOC more than 5 years out.
"There's many concrete answers, but there's something circular about your question. The only thing I can think of is that phone service providers ask for credit report when you want to start a new account but I am sure that could be worked around if you just put down a cash deposit in some cases. So now the situation is flipped - you are relying on your phone company's credit!  Who is to say they don't just walk away from their end of the deal now that you have paid in full?   The amount of credit in this situation is conserved. You just have to eat the risk and rely on their credit, because you have no credit. It doesn't matter how much money you have - $10 or $10000 can be extorted out of you equally well if you must always pay for future goods up front. You also can't use that money month-by-month now, even in low-risk investments. Although, they will do exactly that and keep the interest. And I challenge your assumption that you will never default. You are not a seraphic being. You live on planet earth. Ever had to pay $125,000 for a chemo treatment because you got a rare form of cancer? Well, you won't be able to default on your phone plan and pay for your drug (or food, if you bankrupt yourself on the drug) because your money is already gone. I know you asked a simpler question but I can't write a good answer without pointing out that ""no default"" is a bad model, it's like doing math without a zero element. By the way, this is realistic. It applies to renting in, say, New York City. It's better to be a tenant with credit who can withhold rent in issue of neglected maintenance or gross unfair treatment, than a tenant who has already paid full rent and has left the landlord with little market incentive to do their part."
Yodlee's Moneycenter is the system that powered Mint.com before Intuit bought them.  It works great for managing accounts in a similar fashion to Mint.  They have a development platform that might be worth checking out.
If you have an account with a major bank they may trade an over the counter option with you. Just depends how much work you need to go through and how much you are planning on buying.
Take a look at http://en.wikipedia.org/wiki/Comparison_of_accounting_software, in particular the rows with a market focus of 'personal'. This is probably one of the more complete lists available, and shows if they are web-based (like Mint) or standalone (like Quicken or Microsoft Money).
For example, while Mint is centred on showing you your status, Quicken allows you to enter transactions in real-time (as you're writing a check, initiating a transfer, etc) and later reconciles them with data from your financial institutions. Link Mint, Quicken has good integration with financial companies so you can generally get away with as little or as much data entry as you want. For example, you can manually enter large checks and transfers (and later match to automatically-downloaded data) but allow small entries like credit card purchases to download automatically. Bottom line, if you're just looking to keep track of where you are at, try Mint. It's very simple and free. If you need more power and want to manage your finances on a more transactional level, try Quicken (though I believe they do not have a trial version, I don't understand why). The learning curve is steep although probably gentler than that of GnuCash. Last note on why Mint.com is free: it's the usual ad-supported model, plus Mint sells aggregated consumer behaviour reports to other institutions (since Mint has everyone's transactions, it can identify consumer trends). If you're not comfortable with that, or with the idea of giving a website passwords to all your financial accounts, you will find Quicken easier to accept. Hope this helps.
Set him up to take credit cards just as a convenience thing, and he can advertise that he accepts all major credit cards.    I've been helping my mother set up farmers to do this at the Farmer's  Market she manages.  [Squareup](https://squareup.com/) is ridiculously easy to set up.  You just need a smart phone (iphone or android based) and one of their little square reader thingies that fit into the audio jack, an email, and bank account routing info.  Set up time is ten minutes the first day, 3 minutes once the confirmation info is accounted for.  You can buy the readers at Walgreens...Best Buy...lots of random places, and Squareup reimburses you the $10 cost of the reader so it ends up being free.  I made a test account and I was able to receive funds directly into my bank account within about 4 days.
I spent a while looking for something similar a few weeks back and ended up getting frustrated and asking to borrow a friend's Bloombterg.   I wish you the best of luck finding something,  but I wasn't able to.   S&amp;P and Morningstar have some stuff on their site,  but I wasn't able to make use of it.  Edit: Also,  Bloomberg allows shared terminals.  Depending on how much you think as a firm,  these questions might come up,  it might be worth the 20k / year
"&gt; Go on, try walking away without signing your credit card receipt at stores where they present it for signature, and see what happens.  That's true... if the amount is over $25. Did you notice it? Actually, at Costco is over $50.  And you know what else is true? That yes, they require you to squibble something, but you can write an obvious incorrect signature and nobody will care. You have no idea how many times the screen with the electronic pen did not work right, so I just put couple of lines...  &gt;&gt;  know what I am talking about because I deal with credit cards a lot, professionally, in IT.  &gt; You and everyone else. Big deal. Different credit card processors have different requirements for their customers (merchants).  Just because different processors have different requirements makes the whole process impossible to manage or comply with. Go figure out the requirement based on the card presented.  &gt;&gt; The credit card companies don't really care.  &gt; I think the real lesson here is nobody cares.   The merchant cares, because they are ultimately responsible for paying for fraud... which is the main reason why credit card companies don't care... and many merchants too because they have insurance...  The bottom line is that everyone would not mind to enter a PIN to get the transaction through, but a stupid ego trip of the credit card companies who don't want to be ""like ATMs"". That's it.  So they came up with chip in the card, which made the process slower and more expensive, and does not solve anything except fake credit cards (copied credit cards)."
I've done several deals in excess of that amount. However, I am confused what you are looking for exactly. Typically those amounts are syndicated and presented via a pitch deck to investors to secure financing. Is an example pitch deck what you are looking for? If not, are you looking for the actual legal agreement? Or are you looking for the credit memo? Think I can point you in the right direction either way. Best chance to find what you are looking for is to check comparable companies investor relations materials and sec filings.
"I've been in a very similar situation to yours in the past.  Since the company is reimbursing you at a flat rate (I assume you don't need to provide documentation/receipts in order to be paid the per diem), it's not directly connected to the $90 in expenses that you mention.  Unless they were taking taxes out that would need to be reimbursed, the separate category for Assets:Reimbursable:Gotham City serves no real purpose, other than to categorize the expenses. Since there is no direct relationship between your expenses and the reimbursement, I would list them as completely separate transactions: Later, if you needed to locate all of the associated expenses with the Gotham trip, gnucash lets you search on memo text for ""Gotham"" and will display all of the related transactions.  This is a lot cleaner than having to determine what piece of the per diem goes to which expenses, or having to create a new Asset account every time you go on a trip."
"What you are describing sounds a lot like the way we handle our household budget. This is possible, but quite difficult to do with an Excel spreadsheet. It is much easier to do with dedicated budgeting software designed for this purpose. When choosing personal budgeting software, I've found that the available packages fall in two broad categories: Some packages take what I would call a proactive approach: You enter in your bank account balances, and assign your money into spending categories. When you deposit your paycheck, you do the same thing: you add this money to your spending categories. Then when you spend money, you assign it to a spending category, and the software keeps track of your category balances. At any time, you can see both your bank balances and your spending category balances. If you need to spend money in a category that doesn't have any more money, you'll need to move money from a different category into that one. This approach is sometimes called the envelope system, because it resembles a digital version of putting your cash into different envelopes with different purposes. A few examples of software in this category are You Need a Budget (YNAB), Mvelopes, and EveryDollar. Other packages take more of a reactive approach: You don't bother assigning a job to the money already in your bank account. Instead, you just enter your monthly income and put together a spending plan. As you spend money, you assign the transactions to a spending category, and at the end of the month, you can see what you actually spent vs. what your plan was, and try to adjust your next budget accordingly. Software that takes this approach includes Quicken and Mint.com. I use and recommend the proactive approach, and it sounds from your question like this is the approach that you are looking for. I've used several different budgeting software packages, and my personal recommendation is for YNAB, the software that we currently use. I don't want this post to sound too much like a commercial, but I believe it will do everything you are looking for. One of the great things about the proactive approach, in my opinion, is how credit card accounts are handled.
The actual policy will vary based on the specific bank.  But, if I were in your shoes I'd include RMDs in my stated income for credit card purposes.
Quicken has tools for this, but they have some quirks so i hesitate to actually recommend it on that basis.
"Yes, you can usually deposit/pay money into a credit card account in advance. They'll use it to pay any open debt;  if there's money left over they'll carry it as a credit towards future changes. (""Usually"" added in response to comments that some folks have been unable to do this -- though whether that was really policy or just limitation if web interface is unclear.  Could be tested by simply sending them an overpayment as your next check and seeing whether they carry it as a credit or return the excess.)"
"Is there a word for that $20k owed? Trade Receivables, Accounts Receivables, or just Receivables Is there a different word for that $30k ""hypothetical"" total? Current Assets (Includes Inventory and other short term assets)"
I talked to the director of equity research at an international us based bank. He said that with mifid ii would force them to unbundle research fees in the US. It would be very difficult to have a different fee structure only for UK clients.
Check with the trade organisation; they may be able to make credit card arrangements.