๐Ÿ”Ž
 Remote Jobs 11 Chat Travel Insurance Community Dating Hire Remotely 
  Home  Your profileโš™๏ธ  Settingsโค๏ธ  My wish list
๐Ÿก  Cities๐Ÿ‡ณ๐Ÿ‡ฑ  Countries๐ŸŒ  Community๐Ÿ‘‹  Dating New๐Ÿœ  Explore๐Ÿ’ฌ  Chat๐Ÿ—ฏ  Forum
๐Ÿ“ธ  Vote on photos๐Ÿ’ก  Request features๐Ÿ”ฎ  Random place๐Ÿ’ธ  Retirement (FIRE)๐Ÿ”Œ  Bali sea cable status๐ŸŒค  Climate finder New๐Ÿ“Š  Travel trends๐Ÿก  Real estate overseasโ›„๏ธ Escape the Winter๐Ÿฆ  Corona data
๐Ÿ‘ฉโ€๐Ÿ’ป  Remote jobsโœˆ๏ธ  Airlines๐Ÿ—บ  Neighborhoods๐Ÿ  Coworkations๐Ÿฌ  Coworking spaces๐Ÿ”–  Incorporate๐Ÿš‘  Nomad Insurance
๐Ÿ“ฃ  Advertise๐Ÿ™Œ  Open Startup๐Ÿ’  Help
Money Chat

All Channels
Join Nomad List to chat
# _relationships5min# _politics8min# taiwan8min# _productivity11min# _gear12min# chiang-mai14min# _covid1924min# united-states33min# vietnam48min# _coders54min# canada1h# _taxes-us1h# _startups1h# india2h# mexico3h# _fitness3h# _flying4h# spain4h# _books5h# argentina6h# montreal7h# ___general7h# _money8h# _photography9h# chile10h# thailand11h# _food11h# russia11h# _insurance11h# _bargain-travel13h# bulgaria15h# ukraine16h# lisbon17h# berlin17h# __roll-call17h# germany17h# south-africa17h# japan23h# italy1d# colombia1d# _show-and-tell1d# budapest1d# _overland-travel1d# _housing1d# sweden2d# _freelance2d# new-zealand2d# bali2d# _crypto2d# _javascript2d# australia2d# brazil2d# georgia2d# san-francisco3d# _pets3d# _jobs-talk3d# medellin4d# philippines5d# _language-learning5d# malaysia5d# _taxes-intl5d# _music5d# london5d# _outdoors5d# turkey6d# middle-east6d# singapore7d# peru7d# _legal7d# new-york-city7d# myanmar8d# las-palmas9d# switzerland9d# china10d# kuala-lumpur11d# indonesia11d# panama11d# poland12d# costa-rica12d# south-korea12d# paris13d# portugal13d# united-kingdom13d# cambodia13d# hong-kong13d# serbia14d# europe14d# _design15d# egypt16d# toronto17d# greece18d# austin18d# prague19d# croatia19d# _marketing19d# romania20d# laos22d# tel-aviv22d# uruguay22d# estonia23d# _lgbt25d# _podcasts28d# netherlands28d# puerto-rico29d# africa1mo# ireland1mo# sri-lanka1mo# france1mo# amsterdam1mo# _parents1mo# israel1mo# guatemala1mo# morocco1mo# _ruby1mo# miami1mo# nicaragua2mo# venezuela2mo# denmark2mo# slovakia2mo# _corona2mo# cuba2mo# north-korea2mo# kazakhstan2mo# malta2mo# qatar2mo# lithuania2mo# ecuador2mo# dominican-republic2mo# slovenia3mo# cyprus3mo# __jobs3mo
zjyzvc4d
it's a way of saying that the economy goes from 40% to 20% kinda, but they havent explicited what's an essential job, they'll in theory do that tomorrow
qddfhf4d
my twitter is divided by super bullish and super bearish ppl
jrwuzn4d
TIL not all companies report quarterly earnings around the same time
vmaxuocka4d
Damn yea financial reporting is the worst
vjhdefgmf4d
Itโ€™s not even quarterly all the time
cfrovf4d
i'm afraid of asking what are the advantages of not using the standard quarters (jan-march,apr-jun, etc) for accounting
rikyql4d
to make it harder fot govt tax checkers? xD
dgzgdypmr4d
I always assumed it was to make it harder on my life at the time ๐Ÿ˜…
lwblhm4d
oh, you just made me think of timezones.... and realized that it's alread past 4am because of the time change and not because i've been incredibly procrasttinating
ymeuxrcsx4d
Also Iโ€™m pretty sure some companies report semesterly
txrrzllti4d
And then companies will change their cycle mid year so can end up with one 1-month long quarter because of the shift or one really long quarter (like 5-7 months)
gbiefh4d
that doesn't apply for public comps no?
uqfwdc4d
well, i don't see why not hmm
qdwzjjp4d
Quarters are based on fiscal years. Fiscal year is like a birthday. If company was started in February then thatโ€™s the start of your fiscal year. Itโ€™s a bit more complicated than that tho. Sometimes you can choose your fiscal year end too.
hkxxfql4d
Thatโ€™s my limited understanding. But I could be wrong.
nmkcomvbb4d
Generally yes. But you can also change your fiscal year for many reasons
cuglpebzxt3d
Hi all, Iโ€™m looking for something to do invoicing and expense tracking. Any recommendations?
asetmvjchhkqb3d
I use FreshBooks since like 10 years and still like it kmnmaiawryi
yvlksrfcn3d
I used FreshBooks as well for just sending really basic monthly invoices to one client (definitely not a power user). It was fine, and I think free for that use case at the time.
ogpobcdykjhny3d
It's free if you're under some number of clients, maybe 3?
zzixisvxlxooj3d
Integrates well with Stripe
gehuhtirw3d
Yea something like that. 5 users rings a bell but yea.
cqorjfyztbbxg3d
I find it worth paying for, but you can archive old clients if your operation is very small
aolodtglqgnsj3d
It also handles subcontractor relationships neatly
vaqgzwyfo3d
Couldnโ€™t imagine being a dev consultant for more than 3-5 clients at a time ๐Ÿ˜…
hzxbxqstfqecj3d
That's what I do, but a lot of these are maintenance relationships that don't pay more than a retainer each month
ttrwuooof3d
Interested to know how retainers work. So do you basically have to ensure that if they call on you, you can become active for them within a certain amount of time, and be able to take on X hours per month/week etc...?
jzjzccshfinew3d
Yeah, if they have a problem they have someone to call who won't be like "I'm available in 3 weeks"
fgsygs3d
had any major occurrence where they all needed you at the same time?
ubhurkhdo3d
Y2K? or twice a year around daylight savings time maybe?
mnascoksc3d
I'm seeing a minimum price of $7.50 / month at freshbooks.com/pricing|freshbooks.com/pricing
pbmrklkjy3d
and a 30 day free trial
qwnpskgza3d
Oh yea, and thatโ€™s a promotion. May have got rid of their free tier
qtaltnsqd3d
Been using QuickBooks, which is fantastic, but I'm paying $25/m because I was using their (pretty awesome) selfemployed turbotax for filing too, which lets you do a video call with one of their CPAs whenever you want
ywefosjqh3d
now that I'm paying for a real pro, time to downgrade. if it's really basic nsebihwoxdl you can use Wave for free
gssfrhtqm3d
Tempted to try and live off of that
isezqauyd3d
vkmqyuiwjx does your new accountant have anything they prefer to work with?
rurqddmyb3d
Same with you kqomaivxjbq if you have an accountant.
iilxxetji3d
He's more of an Excel kinda guy
kyzizpzkdg3d
pycueyzmor no accountant yet, just starting out hence looking for something basic atm. I just want something simple for when I do my taxes next year
cofdkkgat3d
Got it. Unfortunately doesnโ€™t seem freshbooks is free anymore :(
qshnbtsyve3d
Ah yeah, freshbooks is ยฃ11/mo and quickbooks is ยฃ12/mo, it's not a lot but I'm going to see how far I can get with something like waveapps.com|waveapps.com or getalbert.com|getalbert.com. I only need very simple invoicing and expense tracking, something that'll help me keep HMRC complaint would be a bonus too ๐Ÿ’ธ
zyxeqy3d
is there any good site to check bank ratings per country?
ohrvzfwgd3d
I think the ratings arenโ€™t really useful right now
vydhxmesw3d
Like, in the US, whatever the rating of a bank, itโ€™s going to be bailed out. Thereโ€™s no moral hazard issue this time.
bdqljltjr3d
Your money market account could start investing in bitcoin and snake oil, and yet it would still be backstopped
zfwvdr3d
is that reasoning extrapolable to any countries' banks? i.e what about spanish banks now that the EU seems a bit wary to help the PIGS?
crvylobrzjdmvxsc3d
rcvplabyza wait is there a fund with both bitcoin and snake oil?
bnlryr3d
(some have been downgraded to bbb+ today)
xgyfvehzwpjtzuln3d
iqmxtbn Is there a particular reason you want to know ratings right now?
xktpou3d
some spanish banks have been downgraded today by fitch, and i'd like to see how they compare to other countries' banks, especially in the EU
lupcwo3d
(spain starts full confinement tomorrow for 10 days)
zgchld3d
i've read pension funds aren't covered by the 100k insurance banks have
acnyxm3d
that's as close I can get to a reason ๐Ÿ˜…
fgbpotbtejcrzhhe3d
The only thing I would invest in right now is any company that sells dog food. /sarcasm (kinda)
tkjmqh3d
you sure it's not a substitute to faulty food supply chains?
hbdbgodhngihqzyf3d
People adopting dogs?
jizrdm3d
yeah!
juuzarlmmngjrylh3d
They don't really eat dogs in North America ๐Ÿ˜‚
dbxyyt3d
not yet!
jvcjvs3d
ok, i'm not sure I want to go down this line of conversation...
vksjxj3d
any forecasts for tomorrow's stock?
xrgmqxhmwprjckqn3d
I think most Americans would die before eating Thit Cho.
bmgawuhrelfippho3d
Well, my guess is that it will be either up, or down.
fgdyofnbkxysgcdd3d
Probably down because of all the bills coming due, I imagine that will trigger more liqudation.
painnf3d
there's at least 50000 infected in the US, aaaand that means thhat the stock will go up because its nonsense
rxiomlkqf3d
wetykhtjssbysynbg yep the CryptoSnake Money Market is available for immediate investment.
xkdgrvjln3d
Just send me cash money, and Iโ€™ll put it into the system for you.
zlboyb3d
Wave
oqwkiamfgrcajy3d
You remember the Vietnamese words for dog meat ๐Ÿ‘
wydfl2d
in a lot of places with full quarantine youโ€™re still allowed to walk your dog regularly, so itโ€™s a perfect time to adopt one
cldaolwnrnvevqm2d
Also great for mental health
zlqjjzvxsvlmr2d
or foster since traveling with a pet is not something most nomads are realistically able to do.
xdtyulus2d
lol, I would say it's not really the best time to try to hack the system xD
ylzoroyakylxozt2d
Yeah, cost me thousands of dollars to fly my large dog to Mexico. Do not recommend.
vynxwmzcavblve2d
In the UK I heard a lot of shelters stopped the option to foster dogs, because the demand was just so big
oadaqfdhyqviq2d
I read earlier this week that new york is out of dogs, everybody thought of this!
kblxxqwrfemew2d
good. hope most of them keep them.
njoaaltzmau2d
Yes, I read that too about new york! My parents have one and he is getting tired of all the attention
wdniolzhuuifz2d
Yeah! Glad they all found a home
iebhpnneaoenr2d
step back hooman! ๐Ÿถ
osgwntdjiqali2d
Took mine to the golf course today cause it's closed, he loved chasing the birds around. Trying to teach him how to ride motorbike, he hasn't quite got the hang of it yet.
alwjlhkqk2d
I looked into fostering it Toronto and itโ€™s a multi-week (at least, but actually indeterminate amount of time) process that involves multiple in-person orientations and there is a shortage of dogs available
dldberixzvi2d
We tuckered him out from all the walking on Friday! I had not yet ever seen him tired
axecmaohopiwj2d
i'm sure if you have multiple people taking turns walking him he'd get worn out. lol
icbgjtkhlxrf2d
For most needs Waveapps works really well I've found - the receipt scanner app is pretty smooth, too.
xfgyltkwn2d
Registering interest.
xjjyelgpjlykx2d
no idea. i'm not particularly paying attention to current news as it has no impact on my long-term plans.
awnrxtihocmmn13h
That would piss me off too. I was able to keep the Stripe integration that they offered before, never opted into the new integration that costs extra money.
oqjxfjglmhvbx13h
If they removed that and started taking a cut of every invoice I would switch away immediately.
hofpnmebpbtev13h
I understand that it might be worth it to people who aren't able to do their own payment processing, though.
qlchillpmhqhp13h
It sounds like they handled your account very badly
flrsynb12h
I use Xero and it's da bomb. More $$ than Facebook, but also more feature rich and has full accounting support. Highly recommended.
jyoizktwucldq11h
payday = buy day! woo hoo. ๐Ÿ™‚
fovhvgdzbnjw8h
that would be understatement, especially when i called them out on it. still deny it. with screenshots.
โ€นโ€บ
×
USD โ”€ $
ยฐF

by levelsio

โœจ To see all results
Sign Up
Log In