vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"No no no no!!!!  Do not spend 25k on a damn slab of concrete when you don't even own the land! You are not ""truly"" the owner unless you legally own the land. I don't care what country your talking about. If you like I'll come over to your place, mix and pour some concrete on the floor, and you can pay me 5 euro. Deal? Buy the smallest parcel of land you can find. Own the land. Pour some concrete on it and viola!!!"
It is taxable to your brother (assuming he's a US tax resident). Transfer of any amount over $14k per year to any single person (other than spouse) triggers gift tax liability.
Lobbyists and regulations will never let shipping containers enter the housing market. These have been online for over ten years and have never came to fruition. They are in the same category as the tires that never need tread or air and last forever. They are fun to study on the internet but will never come to market due to suppression
"It could be just as exploitable given the current system.  Also, who is this ""owner""?  A large shareholder of a public corporation isn't just going to come into 16 houses.  There's a board of directors, and about a million other shareholders, including those in blackrock and vangaurd who have nothing to gain from allowing such corruption.  A private company's owner who decided to buy himself a house on the company's dime and not tell the IRS can do so at his peril regardless of tax policy.  I still don't understand the point."
Do a share split.  Your initial 1 share each becomes 10 (or 100) shares each,  then you can sell/gift/etc shares as needed.
&gt;If you lived in a gang banger / drug dealer's house  right, because it's their house. As in, that person is the rightful and legitimate owner of that property.  Are you claiming that the US Federal Government is the rightful and legitimate owner of all the property of the United States?
Also you would need to consider any taxation issues. As he will be paying you rent you will need to include this as income, plus any capital gains tax on the re-sale of the property may need to be paid.
There was a house for sale at around $400k or $500k if my memory serves me posted to /r/Boston a little ways back that was from a poorer city in Massachusetts that was covered in bullet holes and was totally trashed inside. It had been spray painted and was missing a raised porch from one of the upper floors so this door just opened up to nothing.
You're describing a dynamic that may contribute to lower house prices. It doesn't however speak to how those prices got so lofty, so untethered from wages and the broader economy to begin with and why the losses from the fall were amplified so many times over.  That's a story you can't tell without working through the systemic fraud.
There may come a time when houses are literally printed on-site. The International Business Times recently did a story about a 3D-printer invented by one Andrey Rudenko from Minnesota, which allowed him to create a single-level, concrete castle in his garden in just eight hours.
It is worth checking currency types you have authorised on your account, and that the payment that your client sent is in one of those currencies. Paypal will not always move or convert between currencies, and I have seen payments held for authorisation where simply enabling the paid currency at the receiving end would allow the transfer.
"It means that you are expected to have received a separate piece of communication (""advice"") which confirms who the payment came from. This is common with CHAPS payments and overseas transactions."
Most bank bill pay services will work for this purpose. Generally you can pay any person or business that has a valid address. As an added Paypal will no longer take ~3% of the money.
Gläubiger ID ungültig seems to indicate that the side trying to pull money from your account used a Gläuber-ID that has expired or has been revoked. (Just in case someone has the same question, two years later.)
The RDFI (Receiving Depository Institution) is the place where you keep your money and where the Debit is going to be made. Unfortunately the Debit did not go through for some kind of regulatory reason that I don't understand. You could ask them why people are not allowed to make ACH Debits there or you can try to pay through a different bank.
PayPal will be contacting you shortly, I'm sure.  You'll see the reversal on their site in a few days as well as a fee from their end I bet.
My bank claims they cannot trace since the money never reached them. Your bank is right. They can't generally trace this. I asked the sender to initiate a trace with Natwest, but no results for 3 days now. Natwest should be able to trace and confirm it. This usually takes anywhere from 7 to 10 days.
Ihre Zahungen sind bei uns sicher --Für jedes Unternehmen kommt irgendwann der Punkt, an dem ein Mahnverfahren notwendig wird. Hier gilt es wichtige Fristen einzuhalten, über die man sich vorab entsprechend informieren sollte um ein korrektes Verfahren durchzuführen.
There's no such service. The Israeli Credit Cards law is such that it will be very easy to defraud credit card issuers if such service was available. Check with the postal company if they allow doing it through their bank account, although their online service was horrible last time I checked. This is obviously country-dependent as laws differ from place to place.
Any accounting software should be able to handle this.  When you invoice them, set the invoice date to the date of the event.  Then receive a partial payment against that invoice.  This will cause your accounting software to display the service income in the correct period as well.  So if you sent them invoice for August 7, 2014 event on May 5th, 2014 and they gave you $500 due, you would see this Income in August ($500 on Cash basis, $1000 on Accrual basis.  When you received the other $500 in August, you would see $1000 for both methods).  You would not see any income in May, when you created the invoice.  This is better for revenue matching with the correct period. When you send them same invoice (say 30 days before the event), Set the software to show payments already received  (it seems that most online accounting software will do this by default).  Here is an example in Freshbooks.    Here is an example in Xero:  Seems they both display information on when you can expect payment on the their respective dashboards.   In the Desktop version of Quickbooks (which I use a lot), it will not show the balance of the customer by default on an invoice.  You will have to modify the invoice template.  There are more details on that here.  In Desktop version of Quickbooks, you can look at Cash Flow Forecast report to see the expected amount coming in.   I hope that helps and good luck.
In a system where electronic payment is well developed you can consider the following 2 scenarios: Now let us zoom in. Regardless of what costs are actually charged, it should not be hard to see which system is most (real cost) efficient once electronical payments are well developed. And so, the conclusion is not hard to reach:
You will be best to cancel the original instruction first, as you will have to wait for any pending payments to be received, as the banks will not entertain multiple refunds. After this can be confirmed the account will simply show a credit which you ask for.  Many lenders/banks process these type of transactions after a period of time ie 30 days and there will be no way to speed this up, so the sooner you act the better.  When you contact the bank have bank details for the payment(they might transfer externally fingers crossed), or you may receive a cheque in the post.  Try to avoid complicating the matter with changes of address and ringing before you have cancelled the instruction etc if possible.
Not to my knowledge. That would still make me responsible for maintaining separate accounts w/ each website that I regularly used - while the ideal method of billing for content would be automatic and backgrounded with only a single point of contact.  Sort of like how you don't pay for separate channels w/ cable subscriptions, you pay the cable network and they sort out the pricing for the various channels based on viewership stats.
But I don't know of any practial way to actually report this to HMRC or pay them the money, and again given the amount there's no realistic chance they'd want to chase you for it. In your shoes I would either ignore the email, or write back and politely tell them that they should have advertised the cost at the time and you're not willing to pay extra now. And you might want to keep an eye on the card you used to pay them to make sure they don't try to just charge it anyway. EDIT: as pointed out in a comment, the company behind this (or at least one with a very similar problem and wording in their emails!) did end up acknowledging that they can't actually do this and that they'll need to pay the tax out of the money they already collected, as I described above. It seems they didn't contact the people they originally emailed to let them know this, though. There's some more discussion here.
This is a scam.  Do not give them any money. A quick search on this site will yield many examples of this scam.
And a few more options: (which both allow payments via mobile phone) And now Visa are getting in on the action.  This isn't live, but worth watching to see what their eventual offer is.
Careful, here.  The last time we got a bill from the doctor's office because they made a billing mistake it turns out the bill was a mistake.  Before you pay anything go through the list of charges and payments and make sure it's accurate.  (In our case she went to an appointment and was then told there was no reason for the doctor to see her that day.  Several months later a bill for the visit showed up--except they hadn't kept straight what payment was for what visit so it took some digging to figure out what had happened.
"Why would you consider it null and void? It might be that something went wrong and the business ""lost"" the transaction one way or another. It might be something else. It might never appear. It might appear. In one of the questions a while ago someone posted a link of a story where an account was overdrawn because of a forgotten debit card charge that resurfaced months later. Can't find the link right now, but it can definitely happen."
Disappointing this is just an advertisement. I was hoping for a discussion on paying rent online. The online portal the property manager I rent from uses is horrible. They charge at 5% fee for processing payments online (which increases my rent by $45/mo).
I've only tried this on the UK HSBC website / updated May 2017 After sitting on the phone for about a half hour I got instructions and want to share them to stop anyone else going through the same rigmarole I did. First, you will need: Follow these steps: It will save them in the list of past payment recipients when you click on the Payments link from the quick links on the dashboard view. Hope this saved someone some time.
"Or not have done it within public memory of the BOA fees and GoDaddy.  I still am not seeing the ""big idea"" with auto bill pay...do they want unrestricted access to people's bank accounts?  Bill first, ask questions later?"
"This is only a concern if the payments can be realistically controlled by a central authority. What you're asking is only relevant when dealing with a centrally planned economy. I'm also not sure why you're talking about high payments surrounding basic living. What is ""basic living""? What is considered high? You're presupposing information into the question, which is a form of leading and taints the discussion."
"&gt;If this were true, why force citizens to use a specific central bank's paper money via ""legal tender laws""?  You do not have as much of an idea of what you are talking about as you think you do.   You can pay a person for their good or service in any sort of money you want, including gold, bitcoins, fishes, cupcakes, iron ore, or whatever. However, they must be willing to accept it. If you attempt to pay them in USD, however, they can't refuse. So why not start attempting to pay for things in semiconducters?"
I haven't worked with Xero before, but can't you just set it up as accounts payable? Put in an accounts payable for the contract. When the client makes a payment, the accounts payable goes down and the cash goes up.
Maybe thats how cryptocurrencies like Sia will work out. Not only can it handle digital file storage services (like amazon s3, dropbox etc) , but payment services too. Companies can build on top of it...or Amazon can just build their own.
There are still some bugs in the system that have some players upset and I wouldn't feel right involving real money with such problems existing.  Maybe in a future season, once we perfect the game a little.   But not a bad idea.
No, there is no standard. I see all kinds of paper sizes, and the amount, date, etc. is all over the place. They are all rectangular, but otherwise there seems to be a lot of freedom.
You may need to specifically state that your extra payments should go towards principal, and should not be considered early payments of future months.
With a paypal micropayment he pays 61k (6.1%) (5% of sale price + .05 cents per transaction)  With a regular paypal he pays 95k (9.5%) (2.9% of sale price + .30 cents per transaction)  In case anybody was wondering what the poster is talking about.  Either way he got hosed by using PayPal.   Note: I'm working off 220,000 units sold at 1 million dollars (which I know aren't the exact figures).
it's so much easier to stop payments then have to go asking for your money after a bank has taken it. I have had monthly homeowners payments taken after I sold a property. Took a lot of effort to get my money back. Wish I had taken a few minutes to stop the payments earlier.
If I designed a system that handled multimillion dollar orders, I'd have the foresight to include a timestamp / order #, so resubmissions didn't generate duplicate charges. But that's probably just me and my small town ways.
Yes it is a scam. There is no money. They are after your personal details so that they can get your money.
PayPal. Or even Western Union or MoneyGram.  Despite their fees, there is a reason those companies are still in business.
There are checks, international wire transfers (SWIFT), depending on country pair remittance services.
A majority of people in whichever country they reside, use the internet and make payment online. Using online services is indeed another technological advancement that allows you to complete your payments sitting at home at any time round the clock.
"Regardless of wether or not you are registered for GST, you are legally required to include a GST total on every invoice sent to an Australian customer. This GST total must be 10% of the payment amount if you are registered for GST, or it must be $0.00 if you are not registered for GST. Since all GST transactions with the government are in Australian dollars, this amount on the invoice also needs to be in AUD, or else it's impossible for you and your customer to both be working off the same GST amount. This means you need to transfer your money from USD to AUD in PayPal's ""Manage Currencies"" area before you can send a tax invoice to the customer, so that you can provide the correct amount in AUD based on the actual exchange rate for the day (and you are required to send invoices promptly). Alternatively, you can collect payments in AUD using PayPal or use a different payment service that collects payments in USD but immediately converts them to AUD for sending an invoice (australian paypal competitors often provide this service)."
The interest probably accrues daily, regardless of whether your payments are on time.
There's still a paper trail for every transaction. There's gotta be a debit and credit in there somewhere. Plus these companies are supposed to be audited by an *independent* auditor who, if they're worth their salt, should be able to track down every penny.
If there was a one click type thing that was ***easy*** to use and ***trustworthy*** I would happily pay micro-payments for quality content.  I'd say ease of use and trust are bigger barriers to me than the actual payment.
That's absurd, it's almost always cheaper for me to pay electronically and never more expensive, across pretty much everything.  Why on earth would they make it more expensive to have to deal with an old, manual process, that costs more to carry out and is more likely to result in a failed payment?
Why don't you try using PayTM? You could definitely get money from your customer's PayTM account. Just sign up for PayTM using your mobile. Then ask your customer to transfer money from her payTM account. Later you could withdraw this money to your bank account.
"I found the study ""The irrationality of payment behaviour"" accidentally while searching on the term ""DNB Study"" instead of ""D&B Study"".  This study, which, when I followed the link, went to the web site dnb.nl (Dutch National Bank), instead of dnb.com (Dun & Bradstreet).  It mentions all the salient points that I hear Dave Ramsey and others mention when they talk about studies on this subject of credit vs cash.  Also, it cross references to many other studies by various researchers, banks, and universities.  Is this the ""missing mythical DNB study?""  I'll let you decide.  Relevant ""coincidental"" points from the study: To be fair and complete, I should mention that clearly the relevant parts of this DNB study are talking about discretionary spending.  Auto-paying your mortgage with a card is clearly not going to cost you more (unless you somehow forget to pay off the card or some other silliness)."
Generally there's no ultimate protection against charge backs. Some methods are easier to charge back and some harder, and there's always the resort of going to courts. The hardest to contest is, of course, a cash payment or wire transfer. You need to remember that imposing unnecessary/unreasonable difficulties on your customers will drive business away. I can buy diamonds in the nearest mall with my credit card - why would I buy from you if you want cash, BTC, or any other shady way to pay? I'm pretty sure that whatever that is you're selling, anyone can buy elsewhere as well.
When you get paid the product already exists. In the case of paper money, it represents a debt, that's correct, but it's debt on the work you already did in making those widgets.  If you were paid in gold that would be a simple barter of merchandise, with no promises attached. You would be exchanging a certain number of widgets for a material that can be used to make jewelry.
No, because of regulations Paypal is different in India to most countries and you cannot actually spend paypal balance. You will need to verify your PAN number and connect a bank account, although this should be very quick
You should contact Chase and ask them. As long as it's not on your account - it hasn't arrived.
Exactly, if you can afford the rent on a $1500-2K a month apartment in SO-CA-TOA and were able to pass the credit check for it, no question you can afford a 30 year on a $250K house. Trouble is that $250K houses are now closer to $400-500K in the cities that pay enough for millennials to afford a $2K a month apartment.
Perhaps a technicality, but minors do not have the legal capacity to bind a contract. Making a purchase from a store is a contract. I'm not a lawyer and there may be case law to the contrary or that creates exceptions, but my understanding is that purchases made by a minor may be void if later challenged. JohnFx's answer is true from a practical sense. But if you get turned away at a store, understand that they're probably just being careful to avoid headaches later.
Owning a home is a fairly large responsibility. Minimum wage jobs often have incredibly high turnover (2-5 rate per year meaning it loses more people than than it keeps). Do you think that people who cannot hold down a job at the lowest level of employment can handle the costs, upkeep, and responsibility of owning a home? That's an honest question.
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Read about Upfront Mortgage Brokers. That site has a bunch of information on mortgages and brokers, including mistakes to avoid when shopping for a mortgage. You can also find lenders with upfront pricing. I've used it for shopping and you will find very competitive rates. I'm wary of brokers. When we sold our house, the buyers (young first time buyers) got screwed by an unscrupulous broker and didn't actually have a loan lined up. Delayed closing by 2 days while they scrambled to find a legit lender who could put together funding. The one time we used a broker (our first time), we got a deal that wasn't really as good as it should have been. (Hindsight.)
As long as your money is green and you aren't buying something prohibited to youngsters (booze, cigarettes, etc.) I doubt any store is going to refuse your business.
It is very simple.  You bought the house when prices were near their peak in 2008.  Housing prices have dropped considerably since then which was the main cause of the mortgage debacle because people had houses that were worth less than their mortgages.
Mortgage or other interest rates are determined by the banks on cost of funds, risk and operating cost.   The Fed raises money from the markets by issuing Tresury Bonds at a specified rate. This rate at which it raises money varies depening on the economy. Thus there are 2 rates: the rate at which banks can borrow money from the Fed, which is higher than the rate that the Fed would give banks for excess money deposited with them. So if the cost of borrowing is less, banks can borrow this money from the Fed and loan it to individuals at a slightly higher rate that would cover their costs plus a small profit. The risk associated with a mortgage is less, and hence these would be cheaper, then say a personal loan.  If the cost of borrowing goes up, the mortgage rate will go up. If the cost of borrowing money goes down, the cost would come down. Banks may not always borrow money to lend. If they have existing money, they can either park it with the Fed for a lower interest rate, or loan it to individuals for a rate higher than what they would have received from the Fed.
For a short term loan, the interest is closer to straight line, e.g. A $10K loan at 10% for 3 years will have approximately $1500 in interest. (The exact number is $1616, not too far off). You will save 2.41% on the rate, so you'll the extra payment you'll send to the mortgage will save you about 10000*35*(2.41/12)/2 or about $350 over the 3 year period.
I wouldn't call it apples and oranges.  This is literally an opportunity cost calculation.  You can safely assume S&P500 will perform at least 11% over any 10 year period.  Since failing companies are delisted and replaced with new growing companies, the market should continue to grow.  No, it's not guaranteed.  Lets use an aggressive number for inflation, 4%, leaving a 7% ROR estimate for S&P500.  I assume OP has better credit than me, assume a rate around 3.5%.  So it looks like net 3.5% ROR.  The PMI erases that.  You have to continue paying it until you pay off the loan.   Put 20% down, get a 15 year fixed at lowest rate.  Pay it off quicker.
Compound growth isn't a myth, it just takes patience to experience.  A 10% annual return will double the investment not in 10 years, but just over 7.  Even though a mortgage claims to use simple interest, if your loan is 5% and there's 14 years to go, $100 extra principal will knock off $200 from the final payment. The same laws of compounding and Rule of 72 are at play.
See the Mortgage Professor's calculators (#3). Go to bankrate and look up rates so you know what to punch in to those calculators.