vania-janet/multiturn-rag-retrieval-data huggingface dataset:
In most states, Car insurance follows the car, not the driver, so your insurance would likely cover her. Her insurance may secondarily cover her in your car under certain conditions (she'd have to call and ask to confirm)  Of course, they might try to deny any claim if you misrepresented your application (where it asks about all drivers in the 'household'). One thought-- Consider getting a joint policy with both of your cars on it, the joint policy might be cheaper than two separate policies. Marriage and 25+ yr age is the holy grail as far as insurance companies go, but you might fare well with a joint policy.  You could also consider becoming domestic partners if you're not quite ready for marriage and possibly save on health and car insurance.
Your parents would file their taxes as they normally do. It would be as if your parents were landlords renting a room to your girlfriend. She would not be claimed on their taxes. If your girlfriend pays rent to your parents (through her parents or otherwise) it would be claimed as rental income. The household size wouldn't change because even though your girlfriend is living with your parents they are not financially responsible for her. Example: A landlord would not claim renters as dependents or in household size on their taxes.
As a business analyst, a tool I've picked up recently is Tableau. It's a powerful reporting tool that can build powerful dashboards which are great for presentations. If you have an academic email, you can get a free licence otherwise I believe it's around $3000. The bank I work at pays contractors $100,000+ for a single dashboard which can be built by a single person in a few weeks with some basic knowledge in the tool.   It's a very versatile tool, I have a friend that  tracks his fitness data with a Fitbit and then creates visualizations to date with his friends. I use it to import massive data extracts from multiple sources and then link common share points to build visuals that are put into a dashboard and reported to executives monthly. It's very interactive and that's why the higher-ups love it.
This is definitely a scam. I had a friend sign up for a very similar offer and what they did was send a fake check and then asked to transfer the same amount to them. So now you just send them a couple grand and you're holding a fake check.
In some cases, account numbers 5487-8954-7854 and 5487-8945-7854 are both valid. It happens. Question 2) What are likely sources of them being able to find my phone number to call me? Phone numbers are not private. Not even close. Phone books, Google, Websites, etc etc. if you think your phone number is in any way a secret then your totally misinformed. Account numbers are not a secret either. Especially bank account numbers. You could totally just call a bank, and say ""What is the name on account 12345?"" and they would tell you. Checks have your name and account number on them, as do MANY documents from a bank. So anything from asking the bank, to finding a copy of a check or document in the trash are valid ways to make the link. Question 3) How were they expecting to benefit? See options 1 and 2 above. If is is really option 3, then your bank should have directed the money back. But if the person was so messed up as you say, the account may have been closed and ""written off"". When that happens a lot of weird stuff can happen. Essentially the bank is ""taking a loss"" of money and doesn't want the money back even if the account was closed with a negative balance. Usually though contract with debt collectors, they may have already been ""paid"" for that debt, and are not allowed to take the money back. These things happen, but it seems like a pretty odd set of things that need to line up for #3 to be valid. About your Length of time Usually these things resolve in less then 90 days. Usually far less. At the 90 day mark, it gets really hard to reverse a transaction. It's possible that it was a scam and so many people fell for it that the scammers just let you keep the money instead of ""highlighting"" their scam. The fact that your using a ""net bank"" means that your can't go in person, but you should get details in writing.
You cannot do a like-kind (Sec. 1031) exchange for personal property, only for business/investment property. Since you said that you traded in your personal car - no like-kind exchange is possible. Also, since the new car doesn't belong to you - you didn't actually perform any exchange. You sold your old car, but you didn't buy a new one. If Turbo-Tax suggests you to fill the exchange form - you must have entered something wrong to make it think there was an exchange. Check your entries again, specifically - check if you entered that you purchased a new car instead of the old one, since you didn't. See an example of where to start looking here.
"I would start by taking it to your bank and asking them what they think. They can probably call the bank on the check and find out if it is still good. If they let you deposit the check, I would wait a couple of weeks before spending the money, in case the issuing bank decides that the check is no good, and your bank wants its money back.  If you are told that the check is not good anymore, the next thing I would do is to check with your state's treasurer's office and see if they have any ""unclaimed money"" for your mother."
"There should be no affect on your taxes. If you profit on the sale of a home, it does not matter whether you own the home fully or not. Selling a house with a mortgage on it will usually incur fees, ""like mortgage processing fees"". Paying off the mortgage is preferable because that will make the sale easier. When a bank is involved then they will function in the closing as a 3rd or 4th party, making everything more complicated. Not only that, they will charge you fees, for making them sit through a closing. The bank will require a lawyer. Guess who pays for their lawyer? You do. When you pay off a mortgage, none of this happens. You just pay the mortgage and the bank goes away. There are no lawyers and no fees. This makes it easier to sell the house and gives you full control over the sale."
If not for my wife, I can see in my own daughter how clothing makes her feel good about herself, and while I'm frugal with most of our budget, my clothing questions are 2 - Will it last? & Will it match other pieces you have? Therefore, clothing gets a line item all its own in the budget. There are a number of financial things to consider, but I see you are in the UK, so I'll generalize. In the States, there are pretax benefits to help care for a child under 13 (called a dependent care account) and for medical expenses not covered by insurance (called flexible spending account). These let you take money from your pay pretax to use for specific expenses. If UK offers similar, I invite a user to edit the detail into my answer. Last - once the kid comes into our lives, there's little room for many of the late teen/early 20's spending. Comics? DVDs? Those are the low hanging fruit of wasted money. Saving for retirement, and for University for the kid take priority. I'm not one to quote cliches but a friend once offered this observation - ""If you are not happy but your wife is happy, you are still far happier than if you were happy but your wife is not happy."""
"I'm impressed.  She must have a substantial income to agree to a $500/month car payment.  I imagine her income is about 20K per month for that to make sense.  What kind of work does she do?  To answer your question, typical lease do not work the way you describe.  Paying an extra $2000 will allow you to skip 4 payments (provided the payments were exactly $500) any time in the future.  It does not modify the terms of the lease which would include the payment amount.  Also one does not receive a fiance charge reduction benefit as with a loan.  Essentially you are providing a loan to the leasing company for free. To be explicit you cannot tell the mortgage company anything as she is applying for the loan, not you.  She can tell the mortgage company the new payment is $400, but she would be falsifying the application which is not advisable. Perhaps the mortgage company is doing her a favor.  They are indicating her life is out of control financially.  Either she is attempting to purchase way to much home or her consumer debt is out of control.  It could be a combination of both.   My first paragraph was written to be ""tongue in check"" in order to demonstrate absurdity.  Without a substantial income and an substantial net worth, a 500/month car payment is simply ridiculous.  While it is someone average, when you compare it to the average income (~54K/year) you understand why 78% of US households live paycheck-to-paycheck (are broke), and have no retirement savings. For your and her sake, please stop giving all your hard earned money to banks."
"I've seen this sentiment a lot . Can someone show me the math on how this is a payday loan scam. Surely this was proved with math for you to believe it right? Something like ""Uber pays x amount for these many miles while if you drive y car you should be getting &gt;x for the miles. That only makes sense."
And since she only has $10K left, an alternative would be that you could loan her the money, and she could repay you when she graduates (you have money, as you loaned your mother $8K). You should be repaying the $500/month on the $60K student loan your mother took to help you get through college. You have benefited from the education, and the increased opportunity the college education has given you. Now is the time to accept responsibility and pay your debts. You could at least agree to split the expense with her, and were you paying even $300/month (leaving $200 for her), that would still fix her budget. Your mom should get a car that is paid for and reduce her transportation expenses, until the $350/month debt is resolved. She should resolve to spend no more than $300/month for a car, and with $100/month for insurance be under 10% for her vehicle. Since your mother lives in the US (NJ) she could avoid the $350/month debt payment though BK. But since there are other solutions she could exercise to resolve her problems, this is probably not needed. You mom could consider sharing her apartment to share expenses. Paying $1625 for an apartment for one person seems extravagant. She might enjoy sharing her apartment with a room-mate. That is about it. Once her children take responsibility for their lives, your mom will have a manageable budget, and less stress in her life. Mother's revised 'income statement', Income Essentials (total $2721, 62%, high, need to reduce by $500) Lifestyle (total $450, 10%, low) Financial (total $990, 23%) While you and your sister have these changes, Summary of changes: Some rent is lifestyle, reduced car loan by $200, sister pays her college $500, you pay your college $300, mom saves 10% of her income. Once your sister graduates and starts to repay you for your help with her college, you can take over paying the remainder of your loans, saving your mom an additional $200/month.
It very much depends on whether you want to drive around in an expensive car, or whether you want an expensive car parked on your driveway. And whether you want to buy a new car, or a used one. And whether you know a reliable garage that doesn't rip you off or not.  For example, if my wife who drives maybe 5,000 miles a year wanted a 5 series BMW, we could buy a five year old one with 120,000 miles, for about £120 per month purchase price if it lasts 6 years. 11 year old and 150,000 miles should be no problem for that kind of car. So that's quite affordable. For me, driving 25,000 miles a year, the numbers are quite different.  Fact is, if you drive around in my wider neighbourhood, you will sometimes see very expensive cars parked in front of very rundown houses. Some people find it more important to drive around in an expensive car than to live in a nice place. That's priorities. Many people can afford expensive cars if they rearrange their priorities (and I'm not saying it's a good thing).  PS. If you want to be seen in an expensive car (for example, you take your wife out), you can always rent a car for a day or two.
"I think everything in your case is just simply missing one important rule of how credit works. Essentially, your MIL cannot get a loan. You can. You are making her a large loan that she cannot get for herself. That is all. That is the essence of what this deal is. It is not without interest - she makes a financial contribution toward your son, you get the deal in 2 years assuming she doesn't default (she will), etc. Imagine it this way: you are sitting in the dealership with the dealer and your MIL. She wants a loan to pay for the car. The dealership says, ""you are way not credit worthy."" So your MIL says, ""why doesn't my son-in-law take out the loan instead?"" Now the dealership says, sure, that's fine. From the dealer's standpoint, every other part of your arrangement is irrelevant - boring, even. The only magic trick is in who takes the loan out, no other difference. You're letting your MIL pull a car out of her sleeve like a magician, and in taking the deal you're believing her. This sentence: I am pretty sure that the ex-MIL will not let me down (I've loaned her large sums of money before and she always promptly repaid). is everything. You're making a rather large bet that the things that can go wrong in two years - including any situation involving your wife's welfare - are rather miniscule. And furthermore, that the few times she's paid you back - that did NOT convince banks and dealer she is more creditworthy - justifies her good creditworthiness. Is the interest worth it? Do you really believe that your MIL needs to wring a car out of you before she would consider contributing to her grandson's well-being (which is, essentially, the interest)? But wait, it's NOT everything. Her daughter (my ex-wife) would drive it for 2 years and then turn the car over to our son. Even if your MIL is creditworthy, the woman you described as follows: Her daughter, though, is a loose cannon.
"I am lucky enough to have chosen a flexible mortgage that allows me to change payment amounts at certain, very lenient intervals (to a minimum amount).  So when I was laid off, the first thing I did was call my bank to lower my payments to a level that allowed me some breathing room, at my new, lower income.  If and when my family's income increases, I'll re-adjust my payments to a higher amount.   But if you're concerned about the ""what if""s in this economy, I'd definitely choose a mortgage that allows for flexibility so that you don't lose your house if you don't have to, particularly if your situation is temporary."
Now if your girlfriend is going to partner with you in handling renting out the apartment you own and you want to look at this as an investment partnership, then you should pay all expenses out of the income first and then you can split the profit if you really want. One question to ask would be, what if you just sold your apartment completely? Would you give your girlfriend have the money from the sale? If not then I don't see why you would split the investment profit from holding on to the place. While this is what I recommend and would feel comfortable with personally and if the situation was reversed (and it was my girlfriend that owned a place and was moving in with me), ultimately this is about your personal values, beliefs, and relationship. You are very wise to seek something that both of you will find fair, and so you should discuss a proposed arrangement with your girlfriend and see if you are on the same page. If you are both fine with the agreement and feel OK with it, then great - none of us have to like or agree with it, because we aren't a part of your relationship. Psychologically and financially this situation seems the most reasonable to me, but YMMV. After some more thought and from comments, I realize that it's probably best to explore a few possibilities numerically. So I'll run a few sets of numbers which may help pick which one is right for your relationship. This is approximately the same as paying her ""rent"" for getting to live with her. You pay her for sharing her place, splitting the expense: 3946 paid to you. She pays the other 3946 for her place. Financially it's like being room-mates. You can do whatever you want with your place - rent or sell, hold on to it for security, etc. This deal makes your girlfriend financially better off by 3946. The financial advantage to you is wholly dependent on what you do with your place. This option would give you each the most financial independence, which is why I like it - but you might be keen on being more interdependent. Which leads us to the next option. Here you behave as before in splitting her expenses, but you include renting out your place as part of the deal.
"Same in childcare, but people are more willing to pay and the work isn't as hard.  So it kind of works out.         I do tutoring on the side and my officemate suggested I get into at home childcare because ""My daycare lady makes BANK! It's so expensive!!!!!"" then I broke down for her how inexpensive those prices really are.  She was shocked and agreed that it's actually a quite low paying gig.         People don't think critically about what they're getting for the money- they just see a huge check written weekly."
"The best solution is to ""buy"" the car and get your own loan (like @ChrisInEdmonton answered). That being said, my credit union let me add my spouse to a title while I still had a loan for a title filing fee.   You may ask the bank that holds the title if they have a provision for adding someone to the title without changing the loan.   Total cost to me was an afternoon at the bank and something like $20 or $40 (it's been a while)."
Give a cheque.  You can. Your friend would have to deposit this in a Bank that does this service. Not all Banks offer this service in US. It generally would take 1-3 months for the funds to reach.  Give a dollar-denominated cheque You can NOT write check on a Rupee account and put USD. You can definitely buy a USD Draft generally payable in the US. There would be some charge for you here and send it by courier, post. It would get paid into your friends account in about a week. Do a SWIFT transfer Yes you can. You may need to walk into a Branch and fill up forms. If the amount is more than specified limit a CA certificate is required. Am I correct in understanding Yes Use my ATM card in the US Yes you can.  Specialised money transfer services like Western Union Transfer money out of India is not allowed by Money Transfer services
Visa, Mastercard have very strong consumer protection. I have been wondering about this question for a while but never got around to asking it here: What happens if a retailer knowingly defrauds me? My guess is the first party to ask for help is Visa, Mastercard: a retailer knowingly defrauding you is unlikely to refund you any money. However, slip-ups do happen. If this is a retailer of good repute, they will not only refund you the money but send you a gift card too! Please do followup this post with what helped you in the end, but my guess is, your first (and last) line of defense would be Visa, Mastercard. Anything that would go through the bank would take such a lot of time and effort, that you would be better off writing it off.
"Now, to buy in full (and essentially have zero savings), buy in part (£10000 deposit, followed by a loan of £4000) or PCP/HP more of the value? So, you are assessing if the car is worth having with either none or only 4,000 in savings. This is the most critical information you have provided.   My outright opinion is to always buy a mildly used car as I hate the idea of loans and interest. With the amount of money that you currently possess, I believe the ""Buy-in-part"" option is best as it reduces your interest liability; but, I don't believe you should do it currently. 4,000 is a rather small cash fund for if something were to go boom in the night.   As for your question of interest: This is completely dependent on the amount you are able to pay per period and the total interest you are willing to spend, rows four and seven respectively. This is your money, and no one can tell you what's best to do with it than yourself. Keep looking for good leasing deals or if you think you can survive financial strife with 4,000 then follow your heart. ""Depreciation"" fluctuates to the buyer, so never assume what the car may lose in the next 2-3 years. Hope it all goes well my friend."
You are correct that it is relatively easy for someone to create fake checks and steal money.  They even made a movie about it, and not much has changed since that movie takes place.  However, most checking accounts do indeed have $0 liability for this type of check fraud, referred to as check forgery. If someone does cash a check against your account that you did not write, you will eventually get your money back.  Essentially, the thief stole from the bank (or the merchant that accepted the check), not from you. In the U.S., check forgery is generally covered by state law.  According to a Q&A on the CFPB website, if you report to the bank that a check that cleared your account was forged in some way, and you do this within a reporting window defined by state law, the bank is supposed to return your money.
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My wife was once on a game show.   The income was 1099 and wholly unrelated to gambling.  I did offset the hotel cost on a schedule C against it (and filed a California return to get back the withholding) but a television appearance for a prize is not gambling.  It is pay for a performance and she didn't risk any of her own money.   Your friend's 8k loss can only offset casino or lottery winnings, sorry.