dpassage
  • Member for 7 years, 7 months
  • Last seen more than 2 years ago
  • San Francisco, CA
What should I do with my credit card debt?
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26 votes

From the comments, it sounds like you have a technical background. So I'm going to suggest you think of this as a technical problem: it's an optimization problem, where the variable you're trying to ...

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Can LLC legally lend money to a friend?
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10 votes

One thing I would add to TTT's answer: One of the benefits of using an LLC for your business is right there in the name - "limited liability". It provides a level of protection for your personal ...

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Is it possible to sell early on a house in a 30-year mortgage?
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10 votes

I think you're missing the distinction between principal and interest. In the scenario you describe, you start out with a loan whose principal is $80k. Interest accumulates on top of this at the rate ...

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Will my wife's business losses offset my income on a joint tax return?
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9 votes

First, filing status. If you and your wife are legally married, you should be filing your tax returns as married, either jointly or separately. In the US, "head of household" has a specific meaning ...

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Income and taxes with subcontracting?
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3 votes

Since you say 1099, I'll assume it's in the US. :) Think of your consulting operation as a small business. Businesses are only taxed on their profits, not their revenues. So you should only be paying ...

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Managing Multiple Funds in One Checking Account
3 votes

I'm currently using You Need A Budget for this. It lets you track spending my category and "save" money in particular accounts from month to month. They also have some strong opinions about how one ...

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Representing a personal loan with double entry
2 votes

I would just create a single liability account to represent the loan, starting with a $0 balance. Then, create a transaction in which the amount of the loan moves from the liability account into your ...

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Do restricted stock units (RSUs) count as constructive receipt based on the percentage vested or only upon full vesting?
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1 votes

The answer is that the income is recognized as individual shares vest. So on May 1, 2015, you recognize income equal to to the market price of 25 shares. Typically, the company issuing the RSU's will ...

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Is this Employee Stock Purchase Plan worth it when adding my student loan into the equation?
1 votes

In many ESPP programs (i.e. every one I've had the opportunity to be a part of in my career), your purchase is at a discount from the lower of the stock prices at the start and end of the period. So a ...

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Are there services/software other than Quicken that can directly make bank account transfers?
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1 votes

Depending on your platform and country, there are alternatives to Quicken. Most banks will say "we only support Quicken" to lessen their technical support burden, but under the covers they mostly use ...

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How to calculate earnings per share for an ETF
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1 votes

You're right, it's the aggregated earnings of the company shares owned by the ETF. The numerator is done like this: For each company the fund owns, multiply EPS for that company times the number of ...

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Can a debt collector keep my payment info?
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1 votes

In the US, and possibly elsewhere, the main source of requirements for how vendors handle credit card information is the card processors themselves, via the PCI Security Standards Council at https://...

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Is it possible to split a bought price made with a credit card into some monthly payments?
0 votes

In the US, there is something similar called "layaway". You choose the thing you're going to buy, and arrange a payment plan with the retailer. The retailer holds it for you until you've completed all ...

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Possible to remove condo townhouse fees?
0 votes

If your primary concern is whether the HOA is financially well managed, you may be able to ask to review its finances during the purchase process. A "share" of the HOA is part of what you're buying ...

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