vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"So after a great deal of clarification, it appears that your question is how to adjust your withholding such that you'll have neither a refund, or a balance due, when you do your 2016 taxes next year.  First, a little terminology. The more you have withheld, the more money will be taken out of your check to cover your estimated tax liability. Confusingly, the more allowances you select on your W-4, the less money you will have withheld (more allowances means more dependents/deductions/other reasons why you will owe less tax). When you go to file your 2015 tax return next year, you'll figure out exactly how much you owe. If you had too little tax withheld, you'll have to pay the difference. If you had too much tax withheld, you'll get a refund back.  Given your situation, simply following the instructions on the W-4 should work pretty well. If you want to be more precise, you can use the IRS Withholding Calculator to figure the number of allowances and submit a new W-4 to your employer.  It's a little hard to tell whether ""paying this much/year in taxes seem steep?"" because you've lumped all the taxes together in one big bucket. Does the $543.61 in taxes per paycheck include Social Security (OASDI) and Medicare taxes? Whatever you do, it's not going to be an exact science. Come tax time, you'll figure out exactly what you owe and either pay the balance or get a refund back. As long as you're relatively close, that's fine. You can always adjust your withholding again next year after you've done your taxes."
But to spot things like that you use reports and if one month is abnormal you can drill down to transactions and learn/correct things. Note that reports are easy to modify and you can save the report configurations with names you can remember. They are saved on the machine you do the accounting - not within the gnucash file. So if you open the file (or mysql database) on another computer you will miss your custom reports. You can transfer them, but it is a bit fiddly. Hence it makes sense to use gnucash on your laptop as that you probably will have around most often. Once you start entering transactions into GnuCash on the day or the week you incur the expense, you are getting more control and it is perhaps then you would need the balance to match the bank's balance. Then you can adjust the Equity:Opening Balances to manipulate the starting sums so that current balances match those of your bank. This is easy. When you have entered transactions proactively (on the day or the week) and then later do an import from bank statement the transactions are matched automatically and then they are said to be reconciled (i.e. your manual entry gets matched by the entry from your statement.) So for beginning it is something like that. If any questions, feel free to ask. IMHO this is a process rather a one-off thing; I began once - got bored, but started again and now I find it immensely useful.
The following are my opinion based upon research/analysis. Since this involves Taxation rules, suggest you consult a Tax attorney for their views.  a. Yes. You can transfer any any amount of dollars to your NRE account without paying any additional taxes.  b. Since you have passed Substantial Presence test, you will be categorized Resident Alien. You need to disclose the interest earned on your NRE account. This amount will be clubbed with your total income in US. You would have to add this interest income in your total income and calculate tax thereon. C. Transferring money to Parents? Answer is Yes /No. You need to elaborate on this further. Advantage of parking money in NRE account is that you can repatriate money in dollars any time you want. Assuming you need to buy a house or further education , this would be useful. Incase you don't have any of those goals, Yes you can transfer money to your Parent if they are in need of funds.  d. Any transfer above $14000 will attract gift taxes. This $14000 is the overall limit for a Tax payee. Incase you transfer $14000 for each parent, then it comes to $28000. There are chances that IRS may raise a Redflag that you are circumventing the limit by splitting the recipients.  e. Only when you transfer more than $14000, you need to report and pay the gift tax.
The best, cheapest and safe way is to wire transfer that money from their Bank Account to yours. Ask your bank about information regarding inbound international wire transfer and provide those details to your dad. About how much amounts can he do so : if the amount is more than $10K, you need to provide enough information about where the money is coming from, sources and other legal details. Whatever way you chose, never do transfers in small chunks (which is called structuring), to avoid the legal hassle - as that might result in more issues and every bank has checks in place to find out this way of structuring. I would suggest wire transfer all the money, through proper channel, through the banks. It's better to pay some fees, follow the law and live peacefully than to go through some improper channels to avoid paltry fees and get into serious issues.
What is your risk tolerance?  Personally I invest about $5k in digital currency as an experiment. A lot of people told me I am stupid, which I agree at some point. I plan to let the money sit for 5~10 years. I can tell you there is a lot of emotion in the digital currency though.
What is the interest rate on the balance you'll be carrying? Even at a modest interest rate of only 10% (many cards can be double that) means you'll pay $500 in interest if you carry the $5000 balance for a year.  At 20% you'll pay $500 interest in just six months. You also mentioned this would be $5000 MORE than you usually spend in this time, so I imagine your balance could be higher.
"If wire transfer through your bank does not work then perhaps one of the more popular money transfer services may be what you are looking for such as MoneyGram or Western Union. Now these rely on a trusted ""registered"" third party to do the money transfer so you need to make sure that you are working with a legitimate broker. Each money transfer service has a site that allows you to perform the search on registered parties around your area. There are certain fees that are sometimes applied due to the amount being transferred. All of these you will want to do some detailed research on before you make the transfer so that you do not get scammed.   I would suggest doing a lot of research and asking people that you trust to recommend a trusted broker.  I have not personally used the services, but doing a quick search brought many options with different competitive conversion rates as well as fees. Good luck."
I'm not quite sure what you're shooting for here... if you're trying to determine that people put more thought into a $1000 purchase than a $1.50 purchase it might be helpful.  I honestly can't tell you who the CEO of Coke (Dasani water) or Pepsi (Aquafina water) is. I can tell you that the CEO of HP has talked about getting out of the PC business and his actions in the purchase of and subsequent mismanagement of Palm would have an impact as to whether or not I'm confident in handing his company 1/2 a paycheck.
You condescendingly tell me I don't know what I'm talking about, yet you don't even get it right and overlook everything that was stated... smh Your whole response keeps proving my point. Once again, you are so focused on whether I've had experience working with or managing people (nice goal post moving btw), as if that makes your position more qualified (ad hominem again), when the reality is I can have a rational thought about something by reading up on logical and rational positions on this and seeing what the statistics and research say. Oh by the way, I have had multiple economics classes in college, did you? I read up and studied this stuff and aced my tests and papers on it. So now what? Does my collegiate-backed economics understanding now outweigh the fact you just simply hired some low skilled workers? There are many topics out there you and I have no experience with but we can have a well thought out position on them because we talk to experts and read up on the research. Let me restate this again, just because you have more experience with low skill labor does not make you any more qualified over me to have a smart, logical, and rational understanding of the effects of raising the minimum wage. The same with the fact that just because I probably have had more collegiate studies on economics than you, it doesn't mean my position is any more right than yours or someone else's. &gt;You read a study that is incredibly biased and take it to the grave. This gave me a laugh because it's the equivalent of ""your arguments don't agree with mine so clearly your's is the biased one."" Dude, we all are biased and stand for things. You are just as biased as me. I don't have to give equal time to every position out there as if both are equal. It's often a false equivalence to do so anyways.
Bullshit. I asked for a study, You know research. I care little off your logic...Are you mental? Every Nobel winning economist, most professors and renown economists will tell you that the tax break didn't create jobs that wouldn't have been created otherwise. You talk about History, may be you should learn it carefully, Reagan raised taxes, the new deal didn't materialize out of thin air. Show me a study from a well known research or else with all due respect please STFU, and let smart people make decisions.
I'm so curious how you think this stuff works.   &gt; whenever you open the uber app that it has your location. You think that just happens magically?  Why don't you go ahead and tell me how you think that gets there, when it starts, and how that entire process is scoped.
"I would have to think about it for awhile to come up with the list of reasons people give. Most of the time they wont even admit that thats what they want. But it clearly is.  I can tell you one reason a former friend gave me, which sticks in my mind. ""Why give people unrealistic expectations?"""
You should see what your average weekly purchases are and set that aside in your checking/current account, then you should typically not be in danger of overdrawing. Doing this exercise will also help you get a better understaning of your spending and spending habits. For example if on average you spend $500 USD a week then put say $575 USD in your current account and you should not be in danger of over drawing and then having to go into your online account and make the transfer. I always tell people to setup a budget and to stick to it as best as they can, earmark money for dining out, entertainment, anything they can think of that they would spend money on, this way they can keep track of where it goes and how often and quick it goes.
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Oh, so the government requests it, incurring a debt, and our taxes go towards paying off that debt?  So our taxes are paying for the work that gets done?  Just like I said?  Who knew!  You worked really hard to try to obfuscate that!  Big business is totally doing the work out of the kindness of their heart, and not for the money the government is paying them.  They are so altruistic and amazing! /s
What America needs is a federal union.  One that will:  - eliminate H1B visa programs  - put the wall up and hold employers of illegal immigrants accountable   - enforce patent/copyright infringement to the point that trade agreements will be disassembled if there are system, widespread, wholesale violations.   - force automation into low paying roles (low paying wages are a scourge and need to be automated as quickly as possible)  - provide training pathways and educational opportunities that don't put the trainee/student in debt for the first 10 years of their career  The list is really endless, but these are just a few starter ideas to nail to the door of the labor market.
On your credit report make sure that each debt included in bankruptcy is marked as discharged. After a bankruptcy case discharge you are free from debts that were included in your bankruptcy case. Credit card debt, medical bills and old taxes are common debts that you will no longer be responsible for. Court records that are of high importance are to keep a copy of your bankruptcy records.
&gt;There exists plenty of demand in the US economy right now      No, there isn't. Too many people are paying off their debt and not buying anything. The hunter isn't buying many apples because he's busy paying off his debt to the bow maker.
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What are you trying to learn? Is it not skills to set you up for a well paying career? You can spend 50k on a degree so you can teach for 35k/year vs 100k on a medical degree to work for 100k/year.  ROI is your income from the job the degree qualifies you for.
Many schools - including UNC - charge different tuition for distance learning and satellite campuses, and often also offer University-approved online classes. While this is not always a possibility for every student, you should consider the options. It could be that one of the final classes you need towards your degree can be taken at one of these other options, with reduced tuition. This is not always possible with all courses, but is certainly true if you have any of those general education requirements to knock out. Also consider if any of those final requirements have test-out options, such as CLEP test alternatives. Again, not always available, but sometimes you can get class credit for a general education class for Finally, make sure you aren't paying unnecessarily for text books, once you do get the money for tuition. You can sometimes get hand-me-down copies, rent ebooks or physical books from online companies, creative searches for PDF copies, get your book from off-campus local stores, etc. It isn't tuition, but money is money. Attend Part-Time While Working Look into the option of being a half-time student, which is usually 6-8 credit hours, if you can't afford full-time tuition. There is generally a greatly reduced rate, you still qualify for aid programs, and you are still working towards the degree - so you still get access to student resources like internships and job listings that may not be publicly posted. Inquire About Scholarships and School Emergency Assistance While this varies hugely by institution, make sure you check into scholarships you can apply to (even if they are just a few hundred bucks, it helps a lot) in your school (I don't believe the big online searches help, ask the school - but YMMV). Also inquire about any sort of possible help the school provides to students who've had life emergencies, such as your medical issues. Many have programs that are not advertised, designed to help students finish their degree and recover from personal hard times. It's worth the inquiry if you are willing to ask. Any little bit of assistance can help. Don't be afraid to talk with an institution's mental health councilors either, who can help you deal with the psychological difficulty of your situation as well as often being able to connect you to other potential support resources.
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Debt will ruin any plans.  I guess that the interest on the credit cards is about $450 a month or about $5,500 per year and the school loans is about $6,000 a year.  Get a an Excel spread sheet going and start tracking your expensed.  Learn to make a amortization spread sheet for all debts, and any future debts that you are thinking about. If you want a family soon plan on one income for a period of time. If you buy a house plan on paying it off while you are working.  Then the house payment becomes spendable money during retirement.  A cheaper house can be upgraded in the right neighborhood with an excellent appreciation in value.  Money put into excellent collectibles and kept for 20 years or more is private and off the radar income no taxes when sold. STUDY STUDY LEARN LEARN
"Short answer: No, not normally. Long Answer:  It depends on the contract.  If the 14% is some sort of special offer, with conditions, then if you violate those conditions, they can jack you up to whatever the 'normal' rate is.  But outside of that condition, I can't see any reason why they would wish to penalize you for making a payment.  You will note that there is no ""maximum"" payment on the bill. Secondly, even if they do jack up the rate to 28%, you're still better off paying $70 on 3000, than you are paying ~120 on 10k.  Then tell them where to stick their card and get a new one."
"You would want to prioritize Roth and retirement over HSA. As the HSA is only for health and dental expenses, which you will always have, overfunding it will put you in a bit of a pickle for all of the life involved. For example, even if you or a loved one develop a strange & expensive ailment, the HSA will only cover the medical costs, but not any travel to specialists, hotel stays, home alterations, special vehicles, or lifestyle alterations (food, clothing). However, you will eventually stop working even if you are healthy throughout your life.  I would suggest that you treat the HSA as a part of your overall emergency fund, giving it a cap the same as you would normal non-retirement savings. Since you stated you have three young children, small and large medical expenses (such as braces, trips to the emergency room) are something that are almost guaranteed, thus having fairly large amount in the HSA would be very beneficial throughout their time with you. Once the children have left however, if you still have an overwhelming balance in your HSA, you may not want to add anymore to the HSA. Setting a cap for the HSA based off a certain number of years of deductible payments for medication would be a good place to start.  Roth accounts, whether it be within your company's 401k plan or the IRAs for yourself and your spouse, are single-handedly the best location for your money for long-term savings. Roth money grows tax-free, is immune to Required Minimum Distribution provisions, and will avoid estate escrow when going to one's beneficiaries. Even if you tap into the funds prior to age 59 1/2, you would only pay taxes on any investment growth, in addition to the 10% early withdrawal penalty. If you have established Roth IRA accounts and have an AGI that disallows you to further contribute to them, there is still a provision to get Roth funds contributed via conversion through what is commonly called a ""back door"" Roth."
&gt; Neither the businesses that aren't paying taxes or the working poor who aren't paying taxes are bringing in revenue for Texas.  Because Texas also receives many low skilled labor and immigrants. Furthermore Texas has one of the lowest State Debt per Capita which is $1,513 #46 of all US states in 2011. Factor in the state debt and people in Texas are much less in debt than other states. http://www.uschamberfoundation.org/sites/default/files/legacy/foundation/u94/Debt-Per-Capita-(large)_0.png   &gt; Neither the businesses that aren't paying taxes or the working poor who aren't paying taxes are bringing in revenue for Texas.  Texas is the #1 trading state, it has enough revenue and still one of the lowest State debt per Capita.($1,513 #46 of all states). **Texas has accounted for half of the net new jobs added to the U.S. economy, according to the lead story in this morning’s USA Today. That’s quite a record for one lone state. We’ll leave it to others for now to argue over how much credit Gov. Perry can claim.**  **Another reason for its relatively strong job growth is a friendly business climate, including no state income tax and relatively light regulations. And for those who scapegoat trade for the nation’s persistently high unemployment rate, consider that Texas is the nation’s number one trading state**
Yeah, but your professional programs are insanely expensive. I'm in pharmacy school paying 26k at a private school. UCSF costs 35k for an in-state resident and 45k for out of state. The supplemental cost for a professional degree is 18k and then 12.25k more for being out of state.  There's a reason we have quite a few Korean kids who chose to go to my school rather than pay an extreme amount of money more to go to UCLA or UCSF or whatever.
"Can we just call the Republicans 'evil, money-grubbing hucksters', and have done with it?  I mean, I get the whole ""people should take more responsibility for themselves"" idea, but that kind of is hyperbole when ""taking responsibility"" means paying off a $12000 medical deductible on a $52000 household income, after paying $10000 per year on insurance.  And if that's the case, why don't we apply that to roads?  Libertarians are certain that Wal-Mart will help you pave the way from your home to the nearest Supercenter, because it's in their best interests, and it's your *responsibility* to take care of your own problems, like transportation.  And healthcare.  And let's talk about the fire department, shall we?  Because I don't see anything in there about fire protection.  You know what?  Just forget about a paycheck.  You work, and you can just automatically pay for all the stuff you need directly to the corporations that can supply it, after we take a cut off the top for national defense, of course.  And we'll make sure that there are no protections for workers or consumers, because that just makes the stuff you're paying for more expensive, right?  Yeah, that's it.  Have another cup of Flavor-aid."
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