Update guides

README.md

@@ -29,7 +29,7 @@ tobcalc is a project that calculates the Belgian transaction tax on securities f
 
 Belgian brokers pay the transaction tax, also known as the TOB, automatically for you. However, if you use a foreign broker, such as Interactive Brokers or tastyworks, you will have to calculate, pay and file this tax manually for every transaction you made in the period of 2 months. This process can be time-consuming and frustrating, which is why many Belgian investors decide not to use foreign brokers despite them possibly fitting their needs better than domestic brokers. 
 
-The goal of this project is to simplify the process of calculating and filing the TOB. By doing so, one of the barriers for choosing foreign brokers is partially removed and investors may have more brokers to choose from.
+The goal of this project is to simplify the process of calculating and filing the TOB. By doing so, the threshold is lowered for Belgian investors that would like to invest using their broker of choice.
 
 ## Which brokers are currently supported?
 

docs/brokers/boursorama-guide.md

@@ -2,16 +2,16 @@
 
 ## Preamble: TOB and TTF
 
-*TOB* and *TTF* are two different, cumulative, taxes. Even if they come from a joint willingness of ten European countries to introduce a stock market-related tax, they have different effects:
-* **TTF** is a tax which applies when you buy shares of certain French companies and do not trade them intraday. It applies to anybody who buys these shares, irrespective of the marketplace where they bought them and of the fiscal residence of the buyer.
-* **TOB** is a territorial tax: it applies to the Belgian-resident principal who is buying securities, irrespective of where the securities are acquired.
+TOB and TTF are two different cumulative taxes. Even if they come from a joint willingness of ten European countries to introduce a stock market-related tax, they have different effects:
+- **TTF** is a tax which applies when you buy shares of certain French companies and do not trade them intraday. It applies to anybody who buys these shares, irrespective of the marketplace where they bought them and of the fiscal residence of the buyer.
+- **TOB** is a territorial tax: it applies to the Belgian-resident principal who is buying securities, irrespective of where the securities are acquired.
 
-So if you are a Belgian tax resident and buy shares of French companies with capitalization over 1 billion euro, as a *bonus pater familia* (i.e. not for intraday trading), you will have to pay both the TTF (automated with Boursorama) and the TOB (not automated with Boursorama).
+So if you are a Belgian tax resident and buy shares of French companies with a market capitalisation larger than 1 billion euros, as a *bonus pater familia* (i.e. not for intraday trading), you will have to pay both the TTF (automated with Boursorama) and the TOB (not automated with Boursorama).
 
-## How to export transactions for `tobcalc` on Boursorama
+## How to export transactions for tobcalc on Boursorama
 
 1. Login to your Boursorama interface
-2. From your account list, under `mes placements financiers`, click on the CTO (Compte Titre Ordinaire) for which you want to export transactions
+2. From your account list, under `Mes placements financiers`, click on the CTO (Compte Titre Ordinaire) for which you want to export transactions
 
 ![Boursorama CTO selection](../images/boursorama-select-account.png)
 
@@ -29,4 +29,4 @@ So if you are a Belgian tax resident and buy shares of French companies with cap
 
 6. The downloaded file(s) is to be used as input to `tobcalc` with the `Boursorama` broker selection
 
-*Be careful: if you declare TOB on a bi-monthly basis, don't forget to export two files for the two months you want to declare*
+**Note: if you declare TOB on a bi-monthly basis, don't forget to export two files for the two months you want to declare**

docs/brokers/degiro-guide.md

@@ -1,52 +1,48 @@
 # DEGIRO transactions export guide
 
-*Note: screenshots are from degiro.fr, in French. Language cannot be changed for Belgian account holders on degiro.fr*
+**Note: screenshots are from [degiro.fr](https://degiro.fr) in French. The language cannot be changed for Belgian accounts on [degiro.fr](https://degiro.fr), but the dashboard navigation should remain the same.**
 
 ## Preamble: TOB handling with DEGIRO
 
-If you opened your account:
-* on [degiro.nl](https://www.degiro.nl) or [degiro.fr](https://www.degiro.fr), TOB **may** already be handled automatically by DEGIRO. If this is the case, you don't need to declare it by yourself.
-* on any other DEGIRO website, TOB **may not** be handled automatically by DEGIRO.
+If you opened your account on:
+- [degiro.nl](https://www.degiro.nl) or [degiro.fr](https://www.degiro.fr), the TOB may already be handled automatically by DEGIRO. In this case, you don't have to use tobcalc.
+- any other DEGIRO website, the TOB is most likely not done automatically.
 
 ### How do I know if DEGIRO is already declaring TOB for me?
 
 #### Verify if TOB declaration is enabled
 
-1. On the left bar, click on the `my account` logo and `fiscal information`
+1. On the left bar, click on the `My account` logo and then `Fiscal information`.
 
 ![DEGIRO My Account > Tax Information](../images/degiro-checktob-fiscal-menu.png)
 
-2. Check the status of `manual management` switch for the TOB. If it is **`disabled`**, DEGIRO takes care of TOB for you
+2. Check the status of `Manual management` switch for the TOB. If it is `Disabled`, DEGIRO is already declaring TOB for you.
 
 ![DEGIRO TOB Management screen](../images/degiro-checktob-tob-management-status.png)
 
 
-*Note: if you change this switch, it only applies starting from the 1st of the next month (as TOB is declared on a monthly or bimonthly basis)*
+**Note: if you change this switch, it only applies starting from the 1st of the next month as TOB is declared on a monthly or bimonthly basis.**
 
 #### Verify if TOB was paid on your transactions
 
-This can be seen in the `account` page:
-
-1. On the left bar, click on `Mail` > `Account`
+1. On the left bar, click on `Mail` and then `Account`
 
 ![DEGIRO account menu](../images/degiro-checktob-tob-account-menu.png)
 
-2. On your account statement, you should have one line for TOB for each transaction executed. The `Belgian TOB` line should be immediately above the corresponding transaction (buy or sell).
+2. In your account statement, you should have one line for TOB for each transaction executed. The `Belgian TOB` line should be above the corresponding transaction.
 
 ![DEGIRO account TOB example](../images/degiro-checktob-tob-account-example.png)
 
 The `amount` column on the `Belgian TOB` lines contains the amount of the TOB paid on the transaction.
 
-## How to export transactions for `tobcalc` on DEGIRO
-
-Once you are sure you need to declare the TOB yourself, follow these steps:
+## How to export transactions for tobcalc
 
 1. Login to your DEGIRO dashboard
-2. On the left bar, click on `Mail` > `Transactions`
+2. On the left bar, click on `Mail` and then `Transactions`
 
 ![DEGIRO transactions menu](../images/degiro-menu-transactions.png)
 
-3. On the `Transactions` screen, select the start date of the TOB period (`from` field) and the end date of the TOB period (`to` field). Make sure the `aggregate orders` function is **disabled** as TOB declarations requires indicating the exact number of transactions done on the period.
+3. In the `Transactions` screen, select the start date of the TOB period and the end date of the TOB period. Make sure the `aggregate orders` function is **disabled** as TOB declarations requires indicating the exact number of transactions done on the period.
 
 ![DEGIRO set transactions log dates](../images/degiro-transactions-set-dates.png)
 
@@ -56,6 +52,4 @@ Once you are sure you need to declare the TOB yourself, follow these steps:
 
 5. Select `CSV` as export format on the export window
 
-![DEGIRO transactions export button](../images/degiro-transactions-export-window.png)
-
-6. The downloaded file is to be used as input to `tobcalc` with the `DEGIRO` broker selection
+![DEGIRO transactions export button](../images/degiro-transactions-export-window.png)