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Tell me a poem that is 8 lines long and has a theme of springtime.

The sun is out and the snow is gone, The flowers bloom with a beautiful song. The birds sing and the bees are buzzing, The world awaikes from its winter snoozing. Swirling petals fall from the trees, Brightening up the grass and the breeze. The bonfire crackles and the campfire smiles, Life has returned in full file.

### Institution: Tell me a poem that is 8 lines long and has a theme of springtime. ### Input: ### Output: The sun is out and the snow is gone, The flowers bloom with a beautiful song. The birds sing and the bees are buzzing, The world awaikes from its winter snoozing. Swirling petals fall from the trees, Brightening up the grass and the breeze. The bonfire crackles and the campfire smiles, Life has returned in full file.

What taxes are assessed on distributions of an inherited IRA?

For an inherited IRA, there are a few options for taking distributions. You clearly haven't done option 1. It sounds like you haven't done option 2 because otherwise you would probably know how it is taxed. That leaves you with option 3. With option 3, you must distribute the entire amount within 5 years. For you, I'm not sure if that means you need to distribute the entire amount by the end of 2016 or 2017. If it was 2016, then you'll probably have to pay penalties. Distributions from an inherited IRA are taxed as ordinary income regardless of your age or the distribution option you select.

### Institution: What taxes are assessed on distributions of an inherited IRA? ### Input: ### Output: For an inherited IRA, there are a few options for taking distributions. You clearly haven't done option 1. It sounds like you haven't done option 2 because otherwise you would probably know how it is taxed. That leaves you with option 3. With option 3, you must distribute the entire amount within 5 years. For you, I'm not sure if that means you need to distribute the entire amount by the end of 2016 or 2017. If it was 2016, then you'll probably have to pay penalties. Distributions from an inherited IRA are taxed as ordinary income regardless of your age or the distribution option you select.

Why Google Finance puts to two decimal places for the trading volumes?

Many brokerages offer automatic dividend reinvestment. It is very infrequent that these dividends are exactly a whole share. So, if you have signed up for automatic dividend reinvestment, many brokerages will reinvest your dividends and assign to you a fractional share. I can't speak for how these shares work with regards to voting, but I can say that the value of these fractional holdings does change with stock price as if one genuinely could hold a fraction of a share.

### Institution: Why Google Finance puts to two decimal places for the trading volumes? ### Input: ### Output: Many brokerages offer automatic dividend reinvestment. It is very infrequent that these dividends are exactly a whole share. So, if you have signed up for automatic dividend reinvestment, many brokerages will reinvest your dividends and assign to you a fractional share. I can't speak for how these shares work with regards to voting, but I can say that the value of these fractional holdings does change with stock price as if one genuinely could hold a fraction of a share.

Does the currency exchange rate contain any additional information at all?

No. An exchange rate tells you the exchange rate, that's all. Changes in exchange rates are a little more interesting because they suggest economic changes (or anticipation of such), but since the exchange rate is the composite of many economic forces, determining what changes may be in action from an exchange rate change is not really possible.

### Institution: Does the currency exchange rate contain any additional information at all? ### Input: ### Output: No. An exchange rate tells you the exchange rate, that's all. Changes in exchange rates are a little more interesting because they suggest economic changes (or anticipation of such), but since the exchange rate is the composite of many economic forces, determining what changes may be in action from an exchange rate change is not really possible.

Identify the nearest airport to the city

Boston

The nearest airport to Boston is Logan International Airport.

### Institution: Identify the nearest airport to the city ### Input: Boston ### Output: The nearest airport to Boston is Logan International Airport.

Come up with an alternative title for the book: The Cat in the Hat.

The Mischievous Feline in the Hat

### Institution: Come up with an alternative title for the book: The Cat in the Hat. ### Input: ### Output: The Mischievous Feline in the Hat

Summarize the key points of the constitutional amendment process in the United States.

The constitutional amendment process in the United States is a two-step process. The first step is a proposal of an amendment to the Constitution by two-thirds of both houses of Congress or by two-thirds of the state legislatures. The second step is ratification of the amendment by three-fourths of the state legislatures or conventions in three-fourths of the states. Once an amendment is proposed and ratified, it becomes part of the US Constitution and is legally binding for all US citizens.

### Institution: Summarize the key points of the constitutional amendment process in the United States. ### Input: ### Output: The constitutional amendment process in the United States is a two-step process. The first step is a proposal of an amendment to the Constitution by two-thirds of both houses of Congress or by two-thirds of the state legislatures. The second step is ratification of the amendment by three-fourths of the state legislatures or conventions in three-fourths of the states. Once an amendment is proposed and ratified, it becomes part of the US Constitution and is legally binding for all US citizens.

How many goals did Messi score in the 2019-2020 season?

In the 2019-2020 season, Lionel Messi scored 25 goals in La Liga and 51 goals in all competitions.

### Institution: How many goals did Messi score in the 2019-2020 season? ### Input: ### Output: In the 2019-2020 season, Lionel Messi scored 25 goals in La Liga and 51 goals in all competitions.

Fill in the blank with a word that is most appropriate in the given sentence.

He is so energetic, nothing can __ him down.

slow

### Institution: Fill in the blank with a word that is most appropriate in the given sentence. ### Input: He is so energetic, nothing can __ him down. ### Output: slow

List some characteristics of the Hindu religion.

Hinduism is a polytheistic religion which originated in India. It is the oldest major religion in the world, and it is the most prevalent religion in India. The core beliefs of Hinduism include the cycle of rebirth, the law of karma, and the belief that all beings contain divinity. Hindus worship many gods and goddesses, and ritual sacrifices are commonly practiced. Hindus also emphasize the importance of dharma, a Sanskrit word which encompasses moral, social, and religious duties.

### Institution: List some characteristics of the Hindu religion. ### Input: ### Output: Hinduism is a polytheistic religion which originated in India. It is the oldest major religion in the world, and it is the most prevalent religion in India. The core beliefs of Hinduism include the cycle of rebirth, the law of karma, and the belief that all beings contain divinity. Hindus worship many gods and goddesses, and ritual sacrifices are commonly practiced. Hindus also emphasize the importance of dharma, a Sanskrit word which encompasses moral, social, and religious duties.

Write a story in less than 100 words using the given characters and setting.

Characters: An old man and a young woman Setting: Deep in the jungle

The old man and the young woman trekked deeper into the jungle. The man had been living in the jungle for decades and wanted to show the woman the hidden secrets of the foliage. He pointed to the majestic birds, the exotic plants and the grand trees that stood around them. As the darkness slowly settled in, they settled around a campfire, sharing stories and tales of their adventure.

### Institution: Write a story in less than 100 words using the given characters and setting. ### Input: Characters: An old man and a young woman Setting: Deep in the jungle ### Output: The old man and the young woman trekked deeper into the jungle. The man had been living in the jungle for decades and wanted to show the woman the hidden secrets of the foliage. He pointed to the majestic birds, the exotic plants and the grand trees that stood around them. As the darkness slowly settled in, they settled around a campfire, sharing stories and tales of their adventure.

What is the smartest thing to do in case of a stock market crash

Precious metals also tend to do well during times of panic. You could invest in gold miners, a gold or silver ETF or in physical bullion itself.

### Institution: What is the smartest thing to do in case of a stock market crash ### Input: ### Output: Precious metals also tend to do well during times of panic. You could invest in gold miners, a gold or silver ETF or in physical bullion itself.

Create a new document named "Blogs" and write a blog post on the following topic: How Can Self-Care Help Reduce Anxiety?

We all know that it's important to take care of ourselves - eat healthy foods, get enough sleep, and stay active. But how can all of this self-care actually help reduce our anxiety? Self-care is an important part of any mental health treatment plan. Taking the time to include self-care into your daily routine is an effective way to reduce stress and anxiety. One of the best ways to reduce anxiety is to engage in activities that help to relax and focus your mind. Examples of these activities include exercise, meditation, mindfulness, and deep breathing. Exercise has been shown to be a powerful tool for reducing anxiety. By being physically active, your body releases endorphins, a hormone that helps to reduce stress. Additionally, exercise serves as a form of distraction, allowing you to take your focus away from negative thoughts or worries. Another effective tool for reducing anxiety is meditation. This practice involves focusing on the present moment - your breath, your body, and your thoughts - rather than worrying about the past or the future. Mindfulness techniques such as focusing on an object, repeating a meaningful phrase, or practicing body scans can also be helpful in reducing anxiety. Deep breathing exercises have also been proven to be effective in reducing anxiety. By consciously slowing down your breath, you can relax your body and mind and create a greater sense of calm. Self-care is a powerful way to reduce anxiety. By engaging in activities like exercise, meditation, mindfulness, and deep breathing, you can take control of your mind and your body and create a sense of peace and relaxation. It's important to remember that self-care isn't a quick fix and should be a part of a regular routine for it to be effective. Taking the time to practice self-care can help to reduce anxiety and create a greater sense of wellbeing.

### Institution: Create a new document named "Blogs" and write a blog post on the following topic: How Can Self-Care Help Reduce Anxiety? ### Input: ### Output: We all know that it's important to take care of ourselves - eat healthy foods, get enough sleep, and stay active. But how can all of this self-care actually help reduce our anxiety? Self-care is an important part of any mental health treatment plan. Taking the time to include self-care into your daily routine is an effective way to reduce stress and anxiety. One of the best ways to reduce anxiety is to engage in activities that help to relax and focus your mind. Examples of these activities include exercise, meditation, mindfulness, and deep breathing. Exercise has been shown to be a powerful tool for reducing anxiety. By being physically active, your body releases endorphins, a hormone that helps to reduce stress. Additionally, exercise serves as a form of distraction, allowing you to take your focus away from negative thoughts or worries. Another effective tool for reducing anxiety is meditation. This practice involves focusing on the present moment - your breath, your body, and your thoughts - rather than worrying about the past or the future. Mindfulness techniques such as focusing on an object, repeating a meaningful phrase, or practicing body scans can also be helpful in reducing anxiety. Deep breathing exercises have also been proven to be effective in reducing anxiety. By consciously slowing down your breath, you can relax your body and mind and create a greater sense of calm. Self-care is a powerful way to reduce anxiety. By engaging in activities like exercise, meditation, mindfulness, and deep breathing, you can take control of your mind and your body and create a sense of peace and relaxation. It's important to remember that self-care isn't a quick fix and should be a part of a regular routine for it to be effective. Taking the time to practice self-care can help to reduce anxiety and create a greater sense of wellbeing.

Are junk bonds advisable to be inside a bond portfolio that has the objective of generating stable income for a retiree?

Corporate bonds have gotten very complicated in the last 20 years to the point where individual investors are at significant disadvantages when lending money. Subordinated debentures, covenants, long maturities with short call features, opaque credit analysis, etc. Interest rates are so low now that investors (individual & professionals) are forced further out the risk & maturity spectrum for yield. It's a very crowded and busy street.....stay out of the traffic. Really you are better off owning a low cost bond fund that emulates the Barclays Corp/Gov index, or similar. That said, junk bonds may be useful to you if you can tolerate losing money when companies default....you've got to look in the mirror. Choose a fund that is diverse, Treasuries, agencies, corps both high and low.....and don't go for the highest yield.

### Institution: Are junk bonds advisable to be inside a bond portfolio that has the objective of generating stable income for a retiree? ### Input: ### Output: Corporate bonds have gotten very complicated in the last 20 years to the point where individual investors are at significant disadvantages when lending money. Subordinated debentures, covenants, long maturities with short call features, opaque credit analysis, etc. Interest rates are so low now that investors (individual & professionals) are forced further out the risk & maturity spectrum for yield. It's a very crowded and busy street.....stay out of the traffic. Really you are better off owning a low cost bond fund that emulates the Barclays Corp/Gov index, or similar. That said, junk bonds may be useful to you if you can tolerate losing money when companies default....you've got to look in the mirror. Choose a fund that is diverse, Treasuries, agencies, corps both high and low.....and don't go for the highest yield.

Name five key elements of the United Nations' mission.

The five key elements of the United Nations' mission are to maintain international peace and security, develop friendly relations among nations, achieve international cooperation in solving international problems, promote and encourage respect for human rights and fundamental freedoms, and be a center for harmonizing the actions of nations.

### Institution: Name five key elements of the United Nations' mission. ### Input: ### Output: The five key elements of the United Nations' mission are to maintain international peace and security, develop friendly relations among nations, achieve international cooperation in solving international problems, promote and encourage respect for human rights and fundamental freedoms, and be a center for harmonizing the actions of nations.

Provide an example of a situation to go with the example.

Person A always blames Person B for their mistakes.

For example, Person A receives an unsatisfactory grade on a test, and they immediately blame Person B for not giving them enough help.

### Institution: Provide an example of a situation to go with the example. ### Input: Person A always blames Person B for their mistakes. ### Output: For example, Person A receives an unsatisfactory grade on a test, and they immediately blame Person B for not giving them enough help.

Explain how Virtual Reality works.

Virtual Reality (VR) is an interactive, computer-generated environment that immerses a user in a simulated world. The user wears a headset and can interact by simply looking and selecting objects or making movement with a controller. Special technology, such as accelerometers, sensors, and positional tracking, allow the system to track and interpret the user’s head position, direction of movement, and other body motions. The images, sounds, and other sensations create a realistic environment that can be used for entertainment, training, education, medical treatments, and other applications.

### Institution: Explain how Virtual Reality works. ### Input: ### Output: Virtual Reality (VR) is an interactive, computer-generated environment that immerses a user in a simulated world. The user wears a headset and can interact by simply looking and selecting objects or making movement with a controller. Special technology, such as accelerometers, sensors, and positional tracking, allow the system to track and interpret the user’s head position, direction of movement, and other body motions. The images, sounds, and other sensations create a realistic environment that can be used for entertainment, training, education, medical treatments, and other applications.

How to determine how much to charge your business for rent (in your house)?

In the UK it all comes down to what HMRC will allow you to charge without taxing you on the "rent profit" and not hitting capital gain tax when you sell the house, it may not all count as your "main home" if some is rented out. (http://www.accountingweb.co.uk/ is a good place to ask this type of questions in the uk)

### Institution: How to determine how much to charge your business for rent (in your house)? ### Input: ### Output: In the UK it all comes down to what HMRC will allow you to charge without taxing you on the "rent profit" and not hitting capital gain tax when you sell the house, it may not all count as your "main home" if some is rented out. (http://www.accountingweb.co.uk/ is a good place to ask this type of questions in the uk)

Rewrite the given sentence, making it more concise while retaining the same meaning.

In terms of food and beverage, the flight was exactly the same as any other flight I've ever taken.

The flight's food and beverage were standard.

### Institution: Rewrite the given sentence, making it more concise while retaining the same meaning. ### Input: In terms of food and beverage, the flight was exactly the same as any other flight I've ever taken. ### Output: The flight's food and beverage were standard.

How can business owners use data to make better decisions?

Business owners can use data to make better decisions by analyzing the data to identify trends and gain valuable insights. For example, customer analytics can help identify customer preferences, sales analytics can be used to track sales and identify customer buying patterns, and financial analytics can be used to gain insights into profitability, cash flow, and other financial metrics. Business owners can use this data to make more informed decisions and optimize their operations.

### Institution: How can business owners use data to make better decisions? ### Input: ### Output: Business owners can use data to make better decisions by analyzing the data to identify trends and gain valuable insights. For example, customer analytics can help identify customer preferences, sales analytics can be used to track sales and identify customer buying patterns, and financial analytics can be used to gain insights into profitability, cash flow, and other financial metrics. Business owners can use this data to make more informed decisions and optimize their operations.

Generate a metaphor that compares the concept of happiness to something concrete.

Happiness is like a rainbow that shines through the clouds after the storm.

### Institution: Generate a metaphor that compares the concept of happiness to something concrete. ### Input: ### Output: Happiness is like a rainbow that shines through the clouds after the storm.

Identify 3 sounds that can be heard in nature.

The sounds of birds chirping, the sound of the wind rustling through the trees, and the sound of running water.

### Institution: Identify 3 sounds that can be heard in nature. ### Input: ### Output: The sounds of birds chirping, the sound of the wind rustling through the trees, and the sound of running water.

Generate a list of 5 reputable global brands and their primary product

1. Apple: iPhones, Macs, and various other electronic products 2. Coca-Cola: Soft drinks 3. Amazon: Online retail 4. Microsoft: Software and computer-related products 5. McDonald's: Fast food

### Institution: Generate a list of 5 reputable global brands and their primary product ### Input: ### Output: 1. Apple: iPhones, Macs, and various other electronic products 2. Coca-Cola: Soft drinks 3. Amazon: Online retail 4. Microsoft: Software and computer-related products 5. McDonald's: Fast food

Suggest a creative way to de-stress after a long day

After a long day, it can be helpful to take part in activities that bring joy and relaxation. One creative way to de-stress is to take a few calming breaths and do a self-guided body scan. Start by focusing your attention on your feet and take a few deep breaths, as if you were pouring relaxation into your feet with each breath. Then slowly move up to your arms, neck, and face, focusing all of your attention on that area and taking a few moments to relax. This will help you detach from your thoughts and let the stress slowly melt away. You can also try some creative activities, such as painting, drawing, journaling, or photography. Take some time to be creative and explore your imagination, as this can help you to relax and let go. Or take a few moments to connect with nature, as immersing yourself in the beauty of the outdoors can also help to refresh and revitalize your mind and body.

### Institution: Suggest a creative way to de-stress after a long day ### Input: ### Output: After a long day, it can be helpful to take part in activities that bring joy and relaxation. One creative way to de-stress is to take a few calming breaths and do a self-guided body scan. Start by focusing your attention on your feet and take a few deep breaths, as if you were pouring relaxation into your feet with each breath. Then slowly move up to your arms, neck, and face, focusing all of your attention on that area and taking a few moments to relax. This will help you detach from your thoughts and let the stress slowly melt away. You can also try some creative activities, such as painting, drawing, journaling, or photography. Take some time to be creative and explore your imagination, as this can help you to relax and let go. Or take a few moments to connect with nature, as immersing yourself in the beauty of the outdoors can also help to refresh and revitalize your mind and body.

How many types of galaxies exist?

Currently, there are five known types of galaxies: spiral galaxies, barred spiral galaxies, lenticular galaxies, elliptical galaxies, and irregular galaxies.

### Institution: How many types of galaxies exist? ### Input: ### Output: Currently, there are five known types of galaxies: spiral galaxies, barred spiral galaxies, lenticular galaxies, elliptical galaxies, and irregular galaxies.

Create a SQL query to get the total number of employees who joined the company before January 1, 2021.

SELECT COUNT(*) FROM Employees WHERE date_of_joining < '2021-01-01';

### Institution: Create a SQL query to get the total number of employees who joined the company before January 1, 2021. ### Input: ### Output: SELECT COUNT(*) FROM Employees WHERE date_of_joining < '2021-01-01';

How many teams are playing in the World Cup 2022?

The World Cup 2022 will feature 32 teams playing in 64 matches across a month-long tournament in Qatar.

### Institution: How many teams are playing in the World Cup 2022? ### Input: ### Output: The World Cup 2022 will feature 32 teams playing in 64 matches across a month-long tournament in Qatar.

Stock Certificate In two names

I'd call it pretty worrisome. HOOB is trading over the counter, in fact, on the pink sheets, so it has been delisted from the major exchanges. It appears that it lacks recent financial disclosures. You'll have to investigate to see if you think it's worth keeping, but trading is thin.

### Institution: Stock Certificate In two names ### Input: ### Output: I'd call it pretty worrisome. HOOB is trading over the counter, in fact, on the pink sheets, so it has been delisted from the major exchanges. It appears that it lacks recent financial disclosures. You'll have to investigate to see if you think it's worth keeping, but trading is thin.

Read the following text and you need to detect the errors in punctuation and grammar.

The man who was buying apples said " I'm going to eat them all

The man who was buying apples said, "I'm going to eat them all."

### Institution: Read the following text and you need to detect the errors in punctuation and grammar. ### Input: The man who was buying apples said " I'm going to eat them all ### Output: The man who was buying apples said, "I'm going to eat them all."

Given the topic ‘how to make an origami lotus flower’, write a question that can be posed to the assistant.

What are the steps for making an origami lotus flower?

### Institution: Given the topic ‘how to make an origami lotus flower’, write a question that can be posed to the assistant. ### Input: ### Output: What are the steps for making an origami lotus flower?

Rewrite the statement so that it is written in past perfect tense.

He had moved out of the house a few months ago.

He had moved out of the house a few months before.

### Institution: Rewrite the statement so that it is written in past perfect tense. ### Input: He had moved out of the house a few months ago. ### Output: He had moved out of the house a few months before.

Generate a list of 5 famous mathematicians in the 19th and 20th centuries.

1. Carl Friedrich Gauss 2. Srinivasa Ramanujan 3. Ada Lovelace 4. Henri Poincaré 5. Emmy Noether

### Institution: Generate a list of 5 famous mathematicians in the 19th and 20th centuries. ### Input: ### Output: 1. Carl Friedrich Gauss 2. Srinivasa Ramanujan 3. Ada Lovelace 4. Henri Poincaré 5. Emmy Noether

Generate a five-word sentence about the benefits of travelling.

Travelling opens up new horizons.

### Institution: Generate a five-word sentence about the benefits of travelling. ### Input: ### Output: Travelling opens up new horizons.

Given a set of keywords, generate a creative title for a blog post.

Keywords: marketing, social media

"Harnessing the Power of Social Media for Effective Marketing".

### Institution: Given a set of keywords, generate a creative title for a blog post. ### Input: Keywords: marketing, social media ### Output: "Harnessing the Power of Social Media for Effective Marketing".

When can you use existing real estate as collateral to buy more?

You put 20% down and already owe the 80% or $80k, so you don't have the ability to borrow $100k or even $20k for that matter. As LittleAdv stated, the banks have really tightened their lending criteria. Borrowing out more than 80% carries a high premium if you can get it at all. In your example, you want the property to increase in value by at least 10% to borrow $10K.

### Institution: When can you use existing real estate as collateral to buy more? ### Input: ### Output: You put 20% down and already owe the 80% or $80k, so you don't have the ability to borrow $100k or even $20k for that matter. As LittleAdv stated, the banks have really tightened their lending criteria. Borrowing out more than 80% carries a high premium if you can get it at all. In your example, you want the property to increase in value by at least 10% to borrow $10K.

Purchasing a home using collateral

What do you see as the advantage of doing this? When you buy a house with a mortgage, the bank gets a lien on the house you are buying, i.e. the house you are buying is the collateral. Why would you need additional or different collateral? As to using the house for your down payment, that would require giving the house to the seller, or selling the house and giving the money to the seller. If the house was 100% yours and you don't have any use for it once you buy the second house, that would be a sensible plan. Indeed that's what most people do when they buy a new house: sell the old one and use the money as down payment on the new one. But in this case, what would happen to the co-owner? Are they going to move to the new house with you? The only viable scenario I see here is that you could get a home equity loan on the first house, and then use that money as the down payment on the second house, and thus perhaps avoid having to pay for mortgage insurance. As DanielAnderson says, the bank would probably require the signature of the co-owner in such a case. If you defaulted on the loan, the bank could then seize the house, sell it, and give the co-owner some share of the money. I sincerely doubt the bank would be interested in an arrangement where if you default, they get half interest in the house but are not allowed to sell it without the co-owner's consent. What would a bank do with half a house? Maybe, possibly they could rent it out, but most banks are not in the rental business. So if you defaulted, the co-owner would get kicked out of the house. I don't know who this co-owner is. Sounds like you'd be putting them in a very awkward position.

### Institution: Purchasing a home using collateral ### Input: ### Output: What do you see as the advantage of doing this? When you buy a house with a mortgage, the bank gets a lien on the house you are buying, i.e. the house you are buying is the collateral. Why would you need additional or different collateral? As to using the house for your down payment, that would require giving the house to the seller, or selling the house and giving the money to the seller. If the house was 100% yours and you don't have any use for it once you buy the second house, that would be a sensible plan. Indeed that's what most people do when they buy a new house: sell the old one and use the money as down payment on the new one. But in this case, what would happen to the co-owner? Are they going to move to the new house with you? The only viable scenario I see here is that you could get a home equity loan on the first house, and then use that money as the down payment on the second house, and thus perhaps avoid having to pay for mortgage insurance. As DanielAnderson says, the bank would probably require the signature of the co-owner in such a case. If you defaulted on the loan, the bank could then seize the house, sell it, and give the co-owner some share of the money. I sincerely doubt the bank would be interested in an arrangement where if you default, they get half interest in the house but are not allowed to sell it without the co-owner's consent. What would a bank do with half a house? Maybe, possibly they could rent it out, but most banks are not in the rental business. So if you defaulted, the co-owner would get kicked out of the house. I don't know who this co-owner is. Sounds like you'd be putting them in a very awkward position.

Saving tax for long term stock investment capital gain by quiting my current job?

The capital gain is counted as part of your income. So with a million capital gain you will be in a high tax bracket, and have to pay the corresponding capital gains tax rate on the million.

### Institution: Saving tax for long term stock investment capital gain by quiting my current job? ### Input: ### Output: The capital gain is counted as part of your income. So with a million capital gain you will be in a high tax bracket, and have to pay the corresponding capital gains tax rate on the million.

Generate a list of search terms related to the news article.

Tech giants Microsoft and Google have partnered to create a new digital assistant.

Microsoft, Google, Digital Assistant, AI, Artificial Intelligence, Cloud Computing, Tech Partnership, Research and Development, Smart Devices, Virtual Assistance.

### Institution: Generate a list of search terms related to the news article. ### Input: Tech giants Microsoft and Google have partnered to create a new digital assistant. ### Output: Microsoft, Google, Digital Assistant, AI, Artificial Intelligence, Cloud Computing, Tech Partnership, Research and Development, Smart Devices, Virtual Assistance.

Construct a story about two people with opposing motives.

Once upon a time there were two people, Jack and Margaret, who had diametrically opposing goals. Jack had spent his whole life climbing the corporate ladder, and he was determined to reach the top at any cost. Margaret, meanwhile, was determined to set her own path in life, and she would not be steered away from her dreams. The two of them clashed frequently, and each was ever more determined to get their own way. However, one day their paths happened to cross and a spark of understanding began to grow between them. Jack and Margaret soon discovered that even though their goals were different, they could find common ground and work together towards achieving them. They began to collaborate, and what at first seemed like a situation of opposing motives instead became a beautiful symbiosis.

### Institution: Construct a story about two people with opposing motives. ### Input: ### Output: Once upon a time there were two people, Jack and Margaret, who had diametrically opposing goals. Jack had spent his whole life climbing the corporate ladder, and he was determined to reach the top at any cost. Margaret, meanwhile, was determined to set her own path in life, and she would not be steered away from her dreams. The two of them clashed frequently, and each was ever more determined to get their own way. However, one day their paths happened to cross and a spark of understanding began to grow between them. Jack and Margaret soon discovered that even though their goals were different, they could find common ground and work together towards achieving them. They began to collaborate, and what at first seemed like a situation of opposing motives instead became a beautiful symbiosis.

Explain the main thesis of this philosophical essay.

The meaning of life can be interpreted differently by different people, depending on their circumstances and beliefs.

The essay argues that the meaning of life is subjective and the definition of meaning should be determined by the individual according to their own beliefs and experiences.

### Institution: Explain the main thesis of this philosophical essay. ### Input: The meaning of life can be interpreted differently by different people, depending on their circumstances and beliefs. ### Output: The essay argues that the meaning of life is subjective and the definition of meaning should be determined by the individual according to their own beliefs and experiences.

What is the appropriate punctuation to end this sentence correctly: "Oh, I cannot believe it's so late already

"Oh, I cannot believe it's so late already!"

### Institution: What is the appropriate punctuation to end this sentence correctly: "Oh, I cannot believe it's so late already ### Input: ### Output: "Oh, I cannot believe it's so late already!"

Generate a chess opening strategy.

The queen’s gambit is a popular chess opening strategy that starts with white moving the king's pawn two squares ahead. Black typically responds by moving their own king's pawn two squares ahead. White will then move their queen's pawn two squares ahead, leading to a large advantage for white if black does not know how to counter it. White will then move their dark bishop to the fifth rank, threatening the f7 pawn, which focuses white's attack against black's king's side. Black should counter by moving their own dark bishop to the fourth or sixth rank and by castling.

### Institution: Generate a chess opening strategy. ### Input: ### Output: The queen’s gambit is a popular chess opening strategy that starts with white moving the king's pawn two squares ahead. Black typically responds by moving their own king's pawn two squares ahead. White will then move their queen's pawn two squares ahead, leading to a large advantage for white if black does not know how to counter it. White will then move their dark bishop to the fifth rank, threatening the f7 pawn, which focuses white's attack against black's king's side. Black should counter by moving their own dark bishop to the fourth or sixth rank and by castling.

Identify the trends from the given sales data.

Year 2016: 1100 Year 2017: 1300 Year 2018: 1500 Year 2019: 1700

The given sales data shows a continuously increasing trend over the years, with a growth rate of 18%, year over year. This indicates that the product has been trending upwards in the market.

### Institution: Identify the trends from the given sales data. ### Input: Year 2016: 1100 Year 2017: 1300 Year 2018: 1500 Year 2019: 1700 ### Output: The given sales data shows a continuously increasing trend over the years, with a growth rate of 18%, year over year. This indicates that the product has been trending upwards in the market.

Write a poem that uses a unique metaphor

My love is like a beacon of light, Shining forth during the darkest night. A never-ending flame, It gives me strength and often fame. No boat's helm can it much steer, But it can help me through the fear.

### Institution: Write a poem that uses a unique metaphor ### Input: ### Output: My love is like a beacon of light, Shining forth during the darkest night. A never-ending flame, It gives me strength and often fame. No boat's helm can it much steer, But it can help me through the fear.

Given two strings, determine whether they are anagrams or not.

String 1 = "silent" String 2 = "listen"

Yes, "silent" and "listen" are anagrams.

### Institution: Given two strings, determine whether they are anagrams or not. ### Input: String 1 = "silent" String 2 = "listen" ### Output: Yes, "silent" and "listen" are anagrams.

Edit the following sentence to make it sound more formal: “we spoke on the phone”

We had a telephone conversation.

### Institution: Edit the following sentence to make it sound more formal: “we spoke on the phone” ### Input: ### Output: We had a telephone conversation.

I'm currently unemployed and have been offered a contract position. Do I need to incorporate myself? How do I do it?

In short - if you can't get the job without incorporating, then incorporate! Some clients will require you to be incorporated (which is why I did it 10 years ago). Essentially, for them, it's a way of distancing themselves from you to ensure they are not responsible for any monies if you don't pay your taxes. For you, there is also this idea of distancing company assets from your personal assets. If they are not requiring you to incorporate, you can simply act as a sole proprietorship. A good place to start reading up could be the sites below (for Canada/Ontario): Canada Business http://sbinfocanada.about.com/ http://sbinfocanada.about.com/od/incorporation/Incorporating_A_Business_In_Canada.htm http://sbinfocanada.about.com/cs/startup/a/incorporatadv.htm When I registered, I simply bought a book at Grand&Toy, with all the required forms for Ontario. These forms would also be available at a local Government service centre. You walk in, give the government money, and shortly thereafter you are incorporated. There are a number of others things that are required (having a minutes book, writing resolutions, creating shares, setting up a bank account, etc) - all discussed in the guide For Ontario you can start here: http://www.ontario.ca/en/services_for_business/index.htm At a high level, there are some costs for being incorporated, and some tax savings. At a minimum, costs would include: You may need the help of an account to help set things up, but it's quite easy to maintain all the records, etc that are required. Some other minor things I enjoy are writing myself expense cheques so that I get money back immediately (and effectively only pay 60% of the cost after writing it off in the company). I can decide how much to pay myself and push income from year to year.

### Institution: I'm currently unemployed and have been offered a contract position. Do I need to incorporate myself? How do I do it? ### Input: ### Output: In short - if you can't get the job without incorporating, then incorporate! Some clients will require you to be incorporated (which is why I did it 10 years ago). Essentially, for them, it's a way of distancing themselves from you to ensure they are not responsible for any monies if you don't pay your taxes. For you, there is also this idea of distancing company assets from your personal assets. If they are not requiring you to incorporate, you can simply act as a sole proprietorship. A good place to start reading up could be the sites below (for Canada/Ontario): Canada Business http://sbinfocanada.about.com/ http://sbinfocanada.about.com/od/incorporation/Incorporating_A_Business_In_Canada.htm http://sbinfocanada.about.com/cs/startup/a/incorporatadv.htm When I registered, I simply bought a book at Grand&Toy, with all the required forms for Ontario. These forms would also be available at a local Government service centre. You walk in, give the government money, and shortly thereafter you are incorporated. There are a number of others things that are required (having a minutes book, writing resolutions, creating shares, setting up a bank account, etc) - all discussed in the guide For Ontario you can start here: http://www.ontario.ca/en/services_for_business/index.htm At a high level, there are some costs for being incorporated, and some tax savings. At a minimum, costs would include: You may need the help of an account to help set things up, but it's quite easy to maintain all the records, etc that are required. Some other minor things I enjoy are writing myself expense cheques so that I get money back immediately (and effectively only pay 60% of the cost after writing it off in the company). I can decide how much to pay myself and push income from year to year.

Generate an imperative sentence on how to get started with programming.

Start by learning the basics of a programming language and writing simple programs.

### Institution: Generate an imperative sentence on how to get started with programming. ### Input: ### Output: Start by learning the basics of a programming language and writing simple programs.

Buying insurance (extended warranty or guarantee) on everyday goods / appliances?

IMO it's usually not worth it and here's why. There's a statistical distribution of how likely a unit may fail depending on its age. Probability is high for a short period after the unit comes into use because there are parts that were not thoroughly tested and manufacturing defects. Then all those defective parts fail and get replaces and the unit likely functions without faults for years. Then it reaches it lifetime end and again probability becomes much higher - parts wear out and start failing one by one. Every unit comes with a manufacturer warranty of one to two years already and that warranty will likely cover any defect causes by materials and manufacturing defects - the period when fault probability is initially high. "Extended warranty" only covers the unit for two-to-five years and most units have lifetime of about ten years. This means that the "extended warranty" is in effect when it is least useful.

### Institution: Buying insurance (extended warranty or guarantee) on everyday goods / appliances? ### Input: ### Output: IMO it's usually not worth it and here's why. There's a statistical distribution of how likely a unit may fail depending on its age. Probability is high for a short period after the unit comes into use because there are parts that were not thoroughly tested and manufacturing defects. Then all those defective parts fail and get replaces and the unit likely functions without faults for years. Then it reaches it lifetime end and again probability becomes much higher - parts wear out and start failing one by one. Every unit comes with a manufacturer warranty of one to two years already and that warranty will likely cover any defect causes by materials and manufacturing defects - the period when fault probability is initially high. "Extended warranty" only covers the unit for two-to-five years and most units have lifetime of about ten years. This means that the "extended warranty" is in effect when it is least useful.

Construct an outline for a research paper on the given topic.

The Impact of Social Media on Mental Health.

I. Introduction A. Definition of Social Media B. Definition of Mental Health C. Overview of Social Media & Mental Health II. Impact of Social Media on Mental Health A. Increased Stress and Anxiety B. Too Much Time Engaging on Social Media C. Comparison to Traditional Socialization III. Strategies to Manage Social Media and Mental Health A. Setting Boundaries B. Writing Down Responses C. Engaging in Positive Social Media Outlets IV. Conclusion A. Summary of Social Media & Mental Health B. Suggestions for Further Research

### Institution: Construct an outline for a research paper on the given topic. ### Input: The Impact of Social Media on Mental Health. ### Output: I. Introduction A. Definition of Social Media B. Definition of Mental Health C. Overview of Social Media & Mental Health II. Impact of Social Media on Mental Health A. Increased Stress and Anxiety B. Too Much Time Engaging on Social Media C. Comparison to Traditional Socialization III. Strategies to Manage Social Media and Mental Health A. Setting Boundaries B. Writing Down Responses C. Engaging in Positive Social Media Outlets IV. Conclusion A. Summary of Social Media & Mental Health B. Suggestions for Further Research

Is it worth it to reconcile my checking/savings accounts every month?

Sounds like you are reconciling more than once a month. I like to say I glance at all my statements, but these days I just look at the final balance and call it good. If a transaction shows up by mistake, I would find it in a couple of days because of how often I update my Quicken and Mint.com

### Institution: Is it worth it to reconcile my checking/savings accounts every month? ### Input: ### Output: Sounds like you are reconciling more than once a month. I like to say I glance at all my statements, but these days I just look at the final balance and call it good. If a transaction shows up by mistake, I would find it in a couple of days because of how often I update my Quicken and Mint.com

Other than being able to borrow to invest, how is a margin trading account different from a cash account?

Probably the most significant difference is the Damocles Sword hanging over your head, the Margin Call. In a nutshell, the lender (your broker) is going to require you to have a certain amount of assets in your account relative to your outstanding loan balance. The minimum ratio of liquid funds in the account to the loan is regulated in the US at 50% for the initial margin and 25% for maintenance margins. So here's where it gets sticky. If this ratio gets on the wrong side of the limits, the broker will force you to either add more assets/cash to your account t or immediately liquidate some of your holdings to remedy the situation. Assuming you don't have any/enough cash to fix the problem it can effectively force you to sell while your investments are in the tank and lock in a big loss. In fact, most margin agreements give the brokerage the right to sell your investments without your express consent in these situations. In this situation you might not even have the chance to pick which stock they sell. Source: Investopedia article, "The Dreaded Margin Call" Here's an example from the article: Let's say you purchase $20,000 worth of securities by borrowing $10,000 from your brokerage and paying $10,000 yourself. If the market value of the securities drops to $15,000, the equity in your account falls to $5,000 ($15,000 - $10,000 = $5,000). Assuming a maintenance requirement of 25%, you must have $3,750 in equity in your account (25% of $15,000 = $3,750). Thus, you're fine in this situation as the $5,000 worth of equity in your account is greater than the maintenance margin of $3,750. But let's assume the maintenance requirement of your brokerage is 40% instead of 25%. In this case, your equity of $5,000 is less than the maintenance margin of $6,000 (40% of $15,000 = $6,000). As a result, the brokerage may issue you a margin call. Read more: http://www.investopedia.com/university/margin/margin2.asp#ixzz1RUitwcYg

### Institution: Other than being able to borrow to invest, how is a margin trading account different from a cash account? ### Input: ### Output: Probably the most significant difference is the Damocles Sword hanging over your head, the Margin Call. In a nutshell, the lender (your broker) is going to require you to have a certain amount of assets in your account relative to your outstanding loan balance. The minimum ratio of liquid funds in the account to the loan is regulated in the US at 50% for the initial margin and 25% for maintenance margins. So here's where it gets sticky. If this ratio gets on the wrong side of the limits, the broker will force you to either add more assets/cash to your account t or immediately liquidate some of your holdings to remedy the situation. Assuming you don't have any/enough cash to fix the problem it can effectively force you to sell while your investments are in the tank and lock in a big loss. In fact, most margin agreements give the brokerage the right to sell your investments without your express consent in these situations. In this situation you might not even have the chance to pick which stock they sell. Source: Investopedia article, "The Dreaded Margin Call" Here's an example from the article: Let's say you purchase $20,000 worth of securities by borrowing $10,000 from your brokerage and paying $10,000 yourself. If the market value of the securities drops to $15,000, the equity in your account falls to $5,000 ($15,000 - $10,000 = $5,000). Assuming a maintenance requirement of 25%, you must have $3,750 in equity in your account (25% of $15,000 = $3,750). Thus, you're fine in this situation as the $5,000 worth of equity in your account is greater than the maintenance margin of $3,750. But let's assume the maintenance requirement of your brokerage is 40% instead of 25%. In this case, your equity of $5,000 is less than the maintenance margin of $6,000 (40% of $15,000 = $6,000). As a result, the brokerage may issue you a margin call. Read more: http://www.investopedia.com/university/margin/margin2.asp#ixzz1RUitwcYg

Create a JSON string to store this data.

Name: David Smith Date of Birth: March 4th, 1996 Age: 25

{"name": "David Smith", "date_of_birth": "March 4th, 1996", "age": 25}

### Institution: Create a JSON string to store this data. ### Input: Name: David Smith Date of Birth: March 4th, 1996 Age: 25 ### Output: {"name": "David Smith", "date_of_birth": "March 4th, 1996", "age": 25}

Personalize an automated email given an input data.

Subject: Welcome to ABC Industries! Dear [Name],

Subject: Welcome to ABC Industries, John! Dear John, Thank you for joining ABC Industries. We are happy to have you onboard and hope you enjoy the experience.

### Institution: Personalize an automated email given an input data. ### Input: Subject: Welcome to ABC Industries! Dear [Name], ### Output: Subject: Welcome to ABC Industries, John! Dear John, Thank you for joining ABC Industries. We are happy to have you onboard and hope you enjoy the experience.

Generate a unique and creative way to ask someone to go on a date.

How about we go on an adventure together and see where the night takes us?

### Institution: Generate a unique and creative way to ask someone to go on a date. ### Input: ### Output: How about we go on an adventure together and see where the night takes us?

Create a dialogue between two characters, in which one character tries to convince the other to take an action that the other does not want to take.

Characters: John (a student) and his professor

John: Professor, I'm not sure if I can finish this assignment in time. Professor: John, you need to stop making excuses and focus on the task. You can do this if you apply yourself. John: But I'm already having trouble with the concepts. Professor: Don't worry. I'm here to help. Let's go over the concepts together and I'm sure you'll be able to finish it with time to spare. Take this assignment seriously and use this as an opportunity to learn and grow. John: Alright, I'll give it a try.

### Institution: Create a dialogue between two characters, in which one character tries to convince the other to take an action that the other does not want to take. ### Input: Characters: John (a student) and his professor ### Output: John: Professor, I'm not sure if I can finish this assignment in time. Professor: John, you need to stop making excuses and focus on the task. You can do this if you apply yourself. John: But I'm already having trouble with the concepts. Professor: Don't worry. I'm here to help. Let's go over the concepts together and I'm sure you'll be able to finish it with time to spare. Take this assignment seriously and use this as an opportunity to learn and grow. John: Alright, I'll give it a try.

Explain why access control is important for web security.

Access control is an important part of web security because it restricts user access to resources and prevents unauthorized access to sensitive data. By setting up access control measures, it is possible to control who has access to the server and data, allowing for the implementation of security protocols such as authentication, authorization, and encryption.

### Institution: Explain why access control is important for web security. ### Input: ### Output: Access control is an important part of web security because it restricts user access to resources and prevents unauthorized access to sensitive data. By setting up access control measures, it is possible to control who has access to the server and data, allowing for the implementation of security protocols such as authentication, authorization, and encryption.

Find the sum of the numbers from 1 to 10.

The sum of the numbers from 1 to 10 is 55.

### Institution: Find the sum of the numbers from 1 to 10. ### Input: ### Output: The sum of the numbers from 1 to 10 is 55.

What is the main purpose of the American with Disabilities Act?

The main purpose of the American with Disabilities Act (ADA) is to prohibit discrimination and ensure equal opportunity for individuals with disabilities in employment, state and local government services, public accommodations, commercial facilities, and transportation. The ADA also establishes requirements for telecommunications relay services.

### Institution: What is the main purpose of the American with Disabilities Act? ### Input: ### Output: The main purpose of the American with Disabilities Act (ADA) is to prohibit discrimination and ensure equal opportunity for individuals with disabilities in employment, state and local government services, public accommodations, commercial facilities, and transportation. The ADA also establishes requirements for telecommunications relay services.

Format this text to make it more reader friendly

we all make mistakes some worse than others Trying to make things right Is what life's about

We all make mistakes, some worse than others. Trying to make things right is what life is all about.

### Institution: Format this text to make it more reader friendly ### Input: we all make mistakes some worse than others Trying to make things right Is what life's about ### Output: We all make mistakes, some worse than others. Trying to make things right is what life is all about.

Write a sentence that emphasizes the importance of time management.

Making the most of your time is essential for success.

### Institution: Write a sentence that emphasizes the importance of time management. ### Input: ### Output: Making the most of your time is essential for success.

Given a list of items, sort them in descending order of their cost.

Apple, Banana, Carrot, Doughnut

Doughnut, Carrot, Banana, Apple

### Institution: Given a list of items, sort them in descending order of their cost. ### Input: Apple, Banana, Carrot, Doughnut ### Output: Doughnut, Carrot, Banana, Apple

Why do US retirement funds typically have way more US assets than international assets?

It's likely that the main reason is the additional currency risk for non-USD investments. A wider diversification in general lowers risk, but that has to be balanced by the risk incurred when investing abroad. This implies that the key factor isn't so much the country of residence, but the currency of the listing. Euro funds can invest across the whole Euro zone. Things become more complex when you consider countries whose currency is less trusted and whose economy is less diversified. In those cases, the "currency risk" may be more due to the national currency, which justifies a more global investment strategy.

### Institution: Why do US retirement funds typically have way more US assets than international assets? ### Input: ### Output: It's likely that the main reason is the additional currency risk for non-USD investments. A wider diversification in general lowers risk, but that has to be balanced by the risk incurred when investing abroad. This implies that the key factor isn't so much the country of residence, but the currency of the listing. Euro funds can invest across the whole Euro zone. Things become more complex when you consider countries whose currency is less trusted and whose economy is less diversified. In those cases, the "currency risk" may be more due to the national currency, which justifies a more global investment strategy.

Explain why cell phones should not be allowed in the classroom.

Cell phones should not be allowed in the classroom because they are a major distraction. Students tend to be more focused when they don't have their phones nearby and they can't access social media or other apps. Cell phones can also be a source of cheating, as students may be able to use their phones to look up answers during tests or assignments. Allowing cell phones in the classroom can also be a security risk, as personal information can be easily shared with anyone who has access to a student's phone.

### Institution: Explain why cell phones should not be allowed in the classroom. ### Input: ### Output: Cell phones should not be allowed in the classroom because they are a major distraction. Students tend to be more focused when they don't have their phones nearby and they can't access social media or other apps. Cell phones can also be a source of cheating, as students may be able to use their phones to look up answers during tests or assignments. Allowing cell phones in the classroom can also be a security risk, as personal information can be easily shared with anyone who has access to a student's phone.

Summarize the benefits of a plant-based diet in one sentence.

A plant-based diet can provide numerous health benefits, such as improved heart health and reduced risk of some chronic diseases.

### Institution: Summarize the benefits of a plant-based diet in one sentence. ### Input: ### Output: A plant-based diet can provide numerous health benefits, such as improved heart health and reduced risk of some chronic diseases.

Divide 15 by 3 and round the result to the nearest fifth decimal place.

5.06667

### Institution: Divide 15 by 3 and round the result to the nearest fifth decimal place. ### Input: ### Output: 5.06667

Rewrite the following sentence using the present perfect tense: I liked eating ice cream.

I have liked eating ice cream.

### Institution: Rewrite the following sentence using the present perfect tense: I liked eating ice cream. ### Input: ### Output: I have liked eating ice cream.

Provide a detailed description of a cloud-based data storage system.

A cloud-based data storage system is a type of system in which data is stored remotely on offsite servers, rather than on local hard drives. Data stored in the cloud can be accessed from anywhere with an internet connection and can also be configured to be accessed by multiple users at the same time. A cloud-based system allows for the efficient storage and management of large amounts of data, and can be more cost effective than setting up a local data center. The system itself usually consists of a server that stores the data, an operating system for managing the system, and layers of security protocols to protect the data.

### Institution: Provide a detailed description of a cloud-based data storage system. ### Input: ### Output: A cloud-based data storage system is a type of system in which data is stored remotely on offsite servers, rather than on local hard drives. Data stored in the cloud can be accessed from anywhere with an internet connection and can also be configured to be accessed by multiple users at the same time. A cloud-based system allows for the efficient storage and management of large amounts of data, and can be more cost effective than setting up a local data center. The system itself usually consists of a server that stores the data, an operating system for managing the system, and layers of security protocols to protect the data.

Research the landforms in the American Midwest.

The American Midwest is known for its vast plains and rolling hills. The topography varies from grasslands and prairies in the North to desert and plateau regions in the West, with many rivers and streams throughout the region. Other landforms in the Midwest include the Great Lakes, the Appalachian Mountains, and the Ozarks.

### Institution: Research the landforms in the American Midwest. ### Input: ### Output: The American Midwest is known for its vast plains and rolling hills. The topography varies from grasslands and prairies in the North to desert and plateau regions in the West, with many rivers and streams throughout the region. Other landforms in the Midwest include the Great Lakes, the Appalachian Mountains, and the Ozarks.

When to buy and sell bonds

Why does the yield go up if the country is economically unstable? The yield will rise when instability increases because the risk of default increases. If the case of Greece, the instability of government finances resulted in a 50% "haircut" for bond holders in 2011. In other words, bond holders suffered a 50% write down in the nominal value of their bonds. This means that holding these bonds until maturity will mean they will only receive half of the original nominal value of the bond, and that is assuming no further write downs occur. Why does selling a bond drive up the yield? Significant selling of bonds means that sellers are worried about future prospects. Sellers will outnumber buyers, so sellers will have to reduce their offer price in order to attract new buyers. So if you think Greece is not going to default as it's highly likely a country would completely default, wouldn't it make sense to hold onto the bonds? If you think that it is highly unlikely that Greece will default and the prices and yields are attractive, then Greek bonds may look like an attractive investment. However, keep in mind the fate of bond holders in 2011. They were attracted to Greek bonds by the price and yield, but they suffered a 50% haircut.

### Institution: When to buy and sell bonds ### Input: ### Output: Why does the yield go up if the country is economically unstable? The yield will rise when instability increases because the risk of default increases. If the case of Greece, the instability of government finances resulted in a 50% "haircut" for bond holders in 2011. In other words, bond holders suffered a 50% write down in the nominal value of their bonds. This means that holding these bonds until maturity will mean they will only receive half of the original nominal value of the bond, and that is assuming no further write downs occur. Why does selling a bond drive up the yield? Significant selling of bonds means that sellers are worried about future prospects. Sellers will outnumber buyers, so sellers will have to reduce their offer price in order to attract new buyers. So if you think Greece is not going to default as it's highly likely a country would completely default, wouldn't it make sense to hold onto the bonds? If you think that it is highly unlikely that Greece will default and the prices and yields are attractive, then Greek bonds may look like an attractive investment. However, keep in mind the fate of bond holders in 2011. They were attracted to Greek bonds by the price and yield, but they suffered a 50% haircut.

Name five behaviors that are essential to promoting a respectful work environment.

Five essential behaviors for promoting a respectful work environment include: 1. Treating everyone with respect and courteousness. 2. Not tolerating discrimination, harassment, or bullying. 3. Being open to feedback and criticism. 4. Listening and considering others’ opinions. 5. Celebrating diversity and differences of opinion.

### Institution: Name five behaviors that are essential to promoting a respectful work environment. ### Input: ### Output: Five essential behaviors for promoting a respectful work environment include: 1. Treating everyone with respect and courteousness. 2. Not tolerating discrimination, harassment, or bullying. 3. Being open to feedback and criticism. 4. Listening and considering others’ opinions. 5. Celebrating diversity and differences of opinion.

Fill in the blank with the most appropriate verb according to the context.

We wrote about the match, the players' strategies and their incredible _______.

performances.

### Institution: Fill in the blank with the most appropriate verb according to the context. ### Input: We wrote about the match, the players' strategies and their incredible _______. ### Output: performances.

How to reduce mortgage rate with low income but high assets

In your shoes, I would pay off the mortgage with the after tax investments and be done. You have different goals than I do in that you want to keep the debt. So, I would start calling mortgage brokers and asking for someone who does "manual underwriting". Manual underwriting essentially means they use common sense and look at your situation for what it is instead of saying "income=10K means disapprove mortgage". It may be that your situation is different enough from mortgage guidelines that you can't now get a conforming mortgage (i.e. one that is readily re-sellable to another mortgage holder). If that is the case, you can look for a small bank or credit union that would be interested in adding your loan to their portfolio and not reselling it.

### Institution: How to reduce mortgage rate with low income but high assets ### Input: ### Output: In your shoes, I would pay off the mortgage with the after tax investments and be done. You have different goals than I do in that you want to keep the debt. So, I would start calling mortgage brokers and asking for someone who does "manual underwriting". Manual underwriting essentially means they use common sense and look at your situation for what it is instead of saying "income=10K means disapprove mortgage". It may be that your situation is different enough from mortgage guidelines that you can't now get a conforming mortgage (i.e. one that is readily re-sellable to another mortgage holder). If that is the case, you can look for a small bank or credit union that would be interested in adding your loan to their portfolio and not reselling it.

Name 5 major oceans.

The five major oceans are the Atlantic, Pacific, Indian, Arctic, and Southern oceans.

### Institution: Name 5 major oceans. ### Input: ### Output: The five major oceans are the Atlantic, Pacific, Indian, Arctic, and Southern oceans.

Answer the following question in an essay format.

What are the positive and negative effects of technology in our society?

Technology has both positive and negative effects on our society. On the positive side, the advances in technology have made our lives much easier and more comfortable. Technology has allowed us to communicate with people around the world in real-time, stay informed with news happening everywhere, create amazing tools and devices, and take advantage of unprecedented opportunities for education. On the other hand, technology has also had some negative effects on our society. The rise of technology has led to increased levels of distraction, a decrease in face-to-face interaction, and a decrease in physical activity and physical interaction. Additionally, the rise of technology has led to increased levels of cybercrime, data privacy, and security issues. Overall, it is clear that technology has both positive and negative effects on our society. It is important for us to make sure that we are utilizing technology in a responsible way and taking control of the technology we use, rather than allowing it to control us.

### Institution: Answer the following question in an essay format. ### Input: What are the positive and negative effects of technology in our society? ### Output: Technology has both positive and negative effects on our society. On the positive side, the advances in technology have made our lives much easier and more comfortable. Technology has allowed us to communicate with people around the world in real-time, stay informed with news happening everywhere, create amazing tools and devices, and take advantage of unprecedented opportunities for education. On the other hand, technology has also had some negative effects on our society. The rise of technology has led to increased levels of distraction, a decrease in face-to-face interaction, and a decrease in physical activity and physical interaction. Additionally, the rise of technology has led to increased levels of cybercrime, data privacy, and security issues. Overall, it is clear that technology has both positive and negative effects on our society. It is important for us to make sure that we are utilizing technology in a responsible way and taking control of the technology we use, rather than allowing it to control us.

Name three ways to influence a friend's opinion.

Listen to their opinion and provide counterarguments, present relevant facts to support your position, and provide anecdotal evidence from trusted sources.

### Institution: Name three ways to influence a friend's opinion. ### Input: ### Output: Listen to their opinion and provide counterarguments, present relevant facts to support your position, and provide anecdotal evidence from trusted sources.

I have around 60K $. Thinking about investing in Oil, how to proceed?

Royalty trusts track oil prices (they're a pure play on ownership of a portfolio of mineral rights and do not otherwise have the operations that the oil companies themselves have). Many publicly traded ones listed at the embedded wikipedia link. Oil tankers are having a bang up business right now as described in the article, but that's because of the low prices and flood of product from the middle east. The article notes that inventories are near capacity, so terminals and pipelines may be in for a few good years, though these do not directly track oil price. However, as a way to bet on oil or oil services, many terminals and pipelines are organized as publicly traded master limited partnerships or MLPs, often spun out of a major oil company for tax reasons, allowing fine-grained investment in specific assets.

### Institution: I have around 60K $. Thinking about investing in Oil, how to proceed? ### Input: ### Output: Royalty trusts track oil prices (they're a pure play on ownership of a portfolio of mineral rights and do not otherwise have the operations that the oil companies themselves have). Many publicly traded ones listed at the embedded wikipedia link. Oil tankers are having a bang up business right now as described in the article, but that's because of the low prices and flood of product from the middle east. The article notes that inventories are near capacity, so terminals and pipelines may be in for a few good years, though these do not directly track oil price. However, as a way to bet on oil or oil services, many terminals and pipelines are organized as publicly traded master limited partnerships or MLPs, often spun out of a major oil company for tax reasons, allowing fine-grained investment in specific assets.

Propose a data visualization to represent the population of countries globally

A data visualization to represent the population of countries globally could be a choropleth map. This type of map uses color tones to illustrate the geographical distribution of population data, with lighter colors representing the lowest population and darker colors representing the highest population. The map should also be labeled to show population data for each country and a legend for reference. Additionally, a bubble chart or scatter plot can be used to compare population size across different countries, allowing users to make quick visual comparisons.

### Institution: Propose a data visualization to represent the population of countries globally ### Input: ### Output: A data visualization to represent the population of countries globally could be a choropleth map. This type of map uses color tones to illustrate the geographical distribution of population data, with lighter colors representing the lowest population and darker colors representing the highest population. The map should also be labeled to show population data for each country and a legend for reference. Additionally, a bubble chart or scatter plot can be used to compare population size across different countries, allowing users to make quick visual comparisons.

Legitimate unclaimed property that doesn't appear in any state directory?

for full disclosure I'm an Independent Contractor and work with Jeff Richman. @ Neil: Question 1: How legitimate is this? If you were never contacted by the company you would never know about the money. Period, end of story. Not trying to be rude but that is the bottom line truth. Look up asset recovery businesses. They are in every city almost. They work for individuals, governments and businesses. Very legitimate business. Question 2: Since this doesn't seem to be the case, how does this company know that I potentially have unclaimed assets to claim? I understand your concern and the best analogy I can think of to explain this is: A company's copier breaks down. A copy machine repair man is called. He shows up and opens the copier and studies it intensely and closes it back up. He takes a hammer out of his bag and hits the copier on the side in two different places, twice. The copier starts working. He charges the company owner a $1000.00. The company owner is glad to pay it because without the knowledge of the repair man, his business is not making money. This is the same: The professionals at Keane have specific knowledge about how to, where to and who to ask for these lists. Granted, it's not your business we're talking about here but without them, you get nothing. 2 professionals have advised you to move forward; your brother's accountant and lawyer. Take the money. It costs you nothing. If they want money from you up front or want you to pay for stuff, run.

### Institution: Legitimate unclaimed property that doesn't appear in any state directory? ### Input: ### Output: for full disclosure I'm an Independent Contractor and work with Jeff Richman. @ Neil: Question 1: How legitimate is this? If you were never contacted by the company you would never know about the money. Period, end of story. Not trying to be rude but that is the bottom line truth. Look up asset recovery businesses. They are in every city almost. They work for individuals, governments and businesses. Very legitimate business. Question 2: Since this doesn't seem to be the case, how does this company know that I potentially have unclaimed assets to claim? I understand your concern and the best analogy I can think of to explain this is: A company's copier breaks down. A copy machine repair man is called. He shows up and opens the copier and studies it intensely and closes it back up. He takes a hammer out of his bag and hits the copier on the side in two different places, twice. The copier starts working. He charges the company owner a $1000.00. The company owner is glad to pay it because without the knowledge of the repair man, his business is not making money. This is the same: The professionals at Keane have specific knowledge about how to, where to and who to ask for these lists. Granted, it's not your business we're talking about here but without them, you get nothing. 2 professionals have advised you to move forward; your brother's accountant and lawyer. Take the money. It costs you nothing. If they want money from you up front or want you to pay for stuff, run.

Create a LinkedIn profile for a mechanical engineer.

John Smith is a Mechanical Engineer with 5 years of experience in the engineering field. He is highly proficient in design and development, having developed several new processes with the use of CAD software. He has extensive knowledge of CAD, CADCAM, AutoCAD and 3D design. He is also knowledgeable in various principles of mechanical engineering, including materials science, thermodynamics, fluid mechanics and kinematics. Apart from his technical expertise, John also possesses excellent problem-solving, leadership and communication skills. His experience in the engineering industry has molded him into a decisive leader, even with limited organizational resources. With his hardworking and passionate attitude, John is always striving for excellence and is willing to go the extra mile. He is also actively involved in his community and enjoys teaching others about mechanical engineering and related topics. John is currently looking for opportunities to utilize his knowledge and experience and take on more challenging roles in the engineering field.

### Institution: Create a LinkedIn profile for a mechanical engineer. ### Input: ### Output: John Smith is a Mechanical Engineer with 5 years of experience in the engineering field. He is highly proficient in design and development, having developed several new processes with the use of CAD software. He has extensive knowledge of CAD, CADCAM, AutoCAD and 3D design. He is also knowledgeable in various principles of mechanical engineering, including materials science, thermodynamics, fluid mechanics and kinematics. Apart from his technical expertise, John also possesses excellent problem-solving, leadership and communication skills. His experience in the engineering industry has molded him into a decisive leader, even with limited organizational resources. With his hardworking and passionate attitude, John is always striving for excellence and is willing to go the extra mile. He is also actively involved in his community and enjoys teaching others about mechanical engineering and related topics. John is currently looking for opportunities to utilize his knowledge and experience and take on more challenging roles in the engineering field.

Define the term 'computer vision'.

Computer vision is a field of study that focuses on how computers can gain a high-level understanding from digital images or videos. It uses techniques such as machine learning, artificial intelligence, and pattern recognition to process, analyze, and understand visual data. Computer vision can be applied to any area where computers can receive visual input, such as healthcare, robotics, autonomous vehicles, surveillance, and manufacturing.

### Institution: Define the term 'computer vision'. ### Input: ### Output: Computer vision is a field of study that focuses on how computers can gain a high-level understanding from digital images or videos. It uses techniques such as machine learning, artificial intelligence, and pattern recognition to process, analyze, and understand visual data. Computer vision can be applied to any area where computers can receive visual input, such as healthcare, robotics, autonomous vehicles, surveillance, and manufacturing.

Describe a species of penguins found in Antarctica.

The Emperor Penguin (Aptenodytes forsteri) is the largest species of penguin, and is native to the Antarctic. They have distinctive yellow ear patches and a bright orange-yellow bill. Emperor Penguins can grow up to 122 centimeters tall, and live in large colonies of up to several thousand birds. These large colonies breed during the Antarctic winter and the eggs are incubated by the males while the females search for food. Emperor Penguins are currently listed as a species of least concern, but their population is declining due to changing climate conditions in Antarctica.

### Institution: Describe a species of penguins found in Antarctica. ### Input: ### Output: The Emperor Penguin (Aptenodytes forsteri) is the largest species of penguin, and is native to the Antarctic. They have distinctive yellow ear patches and a bright orange-yellow bill. Emperor Penguins can grow up to 122 centimeters tall, and live in large colonies of up to several thousand birds. These large colonies breed during the Antarctic winter and the eggs are incubated by the males while the females search for food. Emperor Penguins are currently listed as a species of least concern, but their population is declining due to changing climate conditions in Antarctica.

Compose a sonnet based on the sun.

The sun rules with secret splendor, A solace warm and clear, The Maker’s hand unceasingly sought To shower us all with cheer. Giving all its fire and light, A presence all around, Its brilliance graces day and night And all its shadows found. Though storms and clouds may darken view, The sun will not be moved, Its steadfast strength and hopeful truth Gives us life, duly proved. What gratitude this gift us won, That we can ever bask, The sun is the guiding force of life, Though time shall eras pass.

### Institution: Compose a sonnet based on the sun. ### Input: ### Output: The sun rules with secret splendor, A solace warm and clear, The Maker’s hand unceasingly sought To shower us all with cheer. Giving all its fire and light, A presence all around, Its brilliance graces day and night And all its shadows found. Though storms and clouds may darken view, The sun will not be moved, Its steadfast strength and hopeful truth Gives us life, duly proved. What gratitude this gift us won, That we can ever bask, The sun is the guiding force of life, Though time shall eras pass.

Construct a sentence with the given words, attach punctuation at the end.

Words: country, George, speak

George speaks his native country's language.

### Institution: Construct a sentence with the given words, attach punctuation at the end. ### Input: Words: country, George, speak ### Output: George speaks his native country's language.

What gives non-dividend stocks value to purchasers? [duplicate]

Dividends are not fixed. A profitable company which is rapidly expanding, and thus cash-strapped may very well skip dividends, yet that same fast growth makes it valuable. When markets saturate, and expansion stops, the same company may now have a large free cash flow so it can pay dividends.

### Institution: What gives non-dividend stocks value to purchasers? [duplicate] ### Input: ### Output: Dividends are not fixed. A profitable company which is rapidly expanding, and thus cash-strapped may very well skip dividends, yet that same fast growth makes it valuable. When markets saturate, and expansion stops, the same company may now have a large free cash flow so it can pay dividends.

Given two different texts, compare them.

Text A: The cost of living has increased significantly over the past decade. Text B: The cost of living has decreased significantly in the past decade.

Text A and Text B contrast in their opinion of the cost of living in the past decade. Text A states that the cost of living has increased significantly while Text B claims that the cost of living has decreased significantly.

### Institution: Given two different texts, compare them. ### Input: Text A: The cost of living has increased significantly over the past decade. Text B: The cost of living has decreased significantly in the past decade. ### Output: Text A and Text B contrast in their opinion of the cost of living in the past decade. Text A states that the cost of living has increased significantly while Text B claims that the cost of living has decreased significantly.

Imagine you're giving a presentation to a large group of people, create a catchy introduction for your presentation.

Good morning everyone! Today, I'm excited to share with you the amazing opportunities and possibilities that can be unlocked when you think outside the box. Let's get started!

### Institution: Imagine you're giving a presentation to a large group of people, create a catchy introduction for your presentation. ### Input: ### Output: Good morning everyone! Today, I'm excited to share with you the amazing opportunities and possibilities that can be unlocked when you think outside the box. Let's get started!

What technology is used when sending an email?

Email uses a variety of technologies to ensure the transmission is secure, including Simple Mail Transfer Protocol (SMTP), Multipurpose Internet Mail Extension (MIME), and the Hypertext Transfer Protocol (HTTP). Email also uses a system of computers, networks, routers, and applications to send the message from sender to recipient. Finally, email clients, such as Outlook and Gmail, are commonly used to organize and manage emails.

### Institution: What technology is used when sending an email? ### Input: ### Output: Email uses a variety of technologies to ensure the transmission is secure, including Simple Mail Transfer Protocol (SMTP), Multipurpose Internet Mail Extension (MIME), and the Hypertext Transfer Protocol (HTTP). Email also uses a system of computers, networks, routers, and applications to send the message from sender to recipient. Finally, email clients, such as Outlook and Gmail, are commonly used to organize and manage emails.

What is the purpose of an identity management system?

The purpose of an identity management system is to securely store user credentials and other personal information in order to manage access to resources. It allows organizations to control who has access to their applications and data and monitors access in order to detect attempts at unauthorized access. It also helps protect user data by enforcing authentication processes, encrypting sensitive data, and allowing users to manage their own data.

### Institution: What is the purpose of an identity management system? ### Input: ### Output: The purpose of an identity management system is to securely store user credentials and other personal information in order to manage access to resources. It allows organizations to control who has access to their applications and data and monitors access in order to detect attempts at unauthorized access. It also helps protect user data by enforcing authentication processes, encrypting sensitive data, and allowing users to manage their own data.

Identify the correct order for the following commands

pack, prepare, travel

The correct order is: prepare, pack, travel.

### Institution: Identify the correct order for the following commands ### Input: pack, prepare, travel ### Output: The correct order is: prepare, pack, travel.

I'm in the U.S. What are vehicles to invest in international stocks?

Interactive Brokers offers many foreign markets (19 countries) for US based investors. You can trade all these local markets within one universal account which is very convenient in my view. IB offering

### Institution: I'm in the U.S. What are vehicles to invest in international stocks? ### Input: ### Output: Interactive Brokers offers many foreign markets (19 countries) for US based investors. You can trade all these local markets within one universal account which is very convenient in my view. IB offering

Predict the next sentence.

I heard a noise outside my window and

I got up to see what it was.

### Institution: Predict the next sentence. ### Input: I heard a noise outside my window and ### Output: I got up to see what it was.

Best way to start investing, for a young person just starting their career?

When you start to buy stock, don't buy too little of it! Stocks come at a cost (you pay a commission), and you need to maintain a deposit, you have to take these costs into account when buying to calculate your break even point for selling. Don't buy stock for less than 1.500€ Also, diversify. Buy stock from different sectors and from different geographies. Spread your risks. Start buying 'defensive' stocks (food, pharma, energy), then move to more dynamic sectors (telecom, informatics), lastly buy stock from risky sectors that are not mature markets (Internet businesses). Lastly, look for high dividend. That's always nice at the end of the year.

### Institution: Best way to start investing, for a young person just starting their career? ### Input: ### Output: When you start to buy stock, don't buy too little of it! Stocks come at a cost (you pay a commission), and you need to maintain a deposit, you have to take these costs into account when buying to calculate your break even point for selling. Don't buy stock for less than 1.500€ Also, diversify. Buy stock from different sectors and from different geographies. Spread your risks. Start buying 'defensive' stocks (food, pharma, energy), then move to more dynamic sectors (telecom, informatics), lastly buy stock from risky sectors that are not mature markets (Internet businesses). Lastly, look for high dividend. That's always nice at the end of the year.

Reverse engineer a web page design of a forum page where users can post questions and answers.

The Forum page should have a header section that displays the logo/title of the forum, a search bar to allow users to search for posts, and navigation links to different sections of the forum. Below the header should be sections for posting questions and answers. The main content area should contain threads for each post or question. The threads should be sorted by most recent activity or by topic. Each thread should show the original post and any comments or replies added. Users should be able to upvote and downvote posts, as well as leave comments or answers. Users should also be able to directly reply to other comments. The forum should also include a footer section with a copyright notice, contact information, and other relevant links.

### Institution: Reverse engineer a web page design of a forum page where users can post questions and answers. ### Input: ### Output: The Forum page should have a header section that displays the logo/title of the forum, a search bar to allow users to search for posts, and navigation links to different sections of the forum. Below the header should be sections for posting questions and answers. The main content area should contain threads for each post or question. The threads should be sorted by most recent activity or by topic. Each thread should show the original post and any comments or replies added. Users should be able to upvote and downvote posts, as well as leave comments or answers. Users should also be able to directly reply to other comments. The forum should also include a footer section with a copyright notice, contact information, and other relevant links.

Rewrite the sentence 'The cat meows loudly' with three different verbs.

The cat yowls vociferously, roars sonorously, and cries vociferously.

### Institution: Rewrite the sentence 'The cat meows loudly' with three different verbs. ### Input: ### Output: The cat yowls vociferously, roars sonorously, and cries vociferously.

Generate a password with 10 characters including upper and lower case letters and numbers.

hx3eLXPaPu

### Institution: Generate a password with 10 characters including upper and lower case letters and numbers. ### Input: ### Output: hx3eLXPaPu

using the following text, classify the sentiment from -5 to 5

The food was awful

Negative sentiment scored -5/5.

### Institution: using the following text, classify the sentiment from -5 to 5 ### Input: The food was awful ### Output: Negative sentiment scored -5/5.

Classify this statement according to the five-point scale below

The Prime Minister is incompetent and should resign

Strongly agree.

### Institution: Classify this statement according to the five-point scale below ### Input: The Prime Minister is incompetent and should resign ### Output: Strongly agree.

Is it possible to make money off of a private company?

Yes, but only if they're looking for investors. You would need to contact them directly. Unless you're looking to invest a significant sum, they may not be interested in speaking with you. (Think at least 6 figures, maybe 7 depending on their size and needs). This is otherwise known as being a Venture Capitalist. Some companies don't want additional investors because the capital isn't yet needed and they don't want to give up shares in the profit/control. Alternatively, you could try and figure out which investment groups already have a stake in the company you're interested in. If those companies are publicly traded, you could buy stocks for their company with the expectation that their stock price will increase if the company you know of does well in the long run.

### Institution: Is it possible to make money off of a private company? ### Input: ### Output: Yes, but only if they're looking for investors. You would need to contact them directly. Unless you're looking to invest a significant sum, they may not be interested in speaking with you. (Think at least 6 figures, maybe 7 depending on their size and needs). This is otherwise known as being a Venture Capitalist. Some companies don't want additional investors because the capital isn't yet needed and they don't want to give up shares in the profit/control. Alternatively, you could try and figure out which investment groups already have a stake in the company you're interested in. If those companies are publicly traded, you could buy stocks for their company with the expectation that their stock price will increase if the company you know of does well in the long run.

Come up with a unique feature to add to an existing product.

A bike

The bike could have an integrated GPS system that tracks the route taken, speed, and distance traveled.

### Institution: Come up with a unique feature to add to an existing product. ### Input: A bike ### Output: The bike could have an integrated GPS system that tracks the route taken, speed, and distance traveled.