Datasets:

BeIR

/

fiqa

like 5

599546

I'm not saying your not a hard worker but you sound like a whiner that thinks they have all the answers. It sounds like your parents want you to just do your job. I disagree with your parents 'selling' you the business. I think you should start your own business before trying to run someone else's. Your workplace is a business not a training camp, i entirely agree that you should not be training customers or employees how to use excel or google sheets. maybe a friendly YouTube link, but that's it.

599549

Inhibited Ethylene Glycol is used as an industrial coolant, antifreeze heat transfer fluid. The inhibitor package is designed to protect brass, copper, solder, steel, cast iron, aluminum and other metals commonly found in the industrial cooling and heating systems. The effectiveness of Inhibited Mono Ethylene Glycol Brine (Inhibited MEG Brine) in preventing corrosion has been proven in extensive laboratory and in actual service tests. Using Inhibited Mono Ethylene Glycol Brine (Inhibited MEG Brine) for heat transfer applications instead of brine solutions or un-inhibited ethylene glycol reduces maintenance costs and improves heat transfer efficiency. Outperforms Dowtherm, Dowcal and Norkool range of inhibited ethylene glycol based heat transfer fluids.

599558

I don't get it. Are most redditors in this thread the children of rich people? Did you all grow up with central air? You're first place to live outside of your parents' place is probably gonna suck. That's life.

599563

The FDIC has been pretty good at recovery lost money from failed banks. The problem is the temporary loss from immediate needs. The best thing for anyone to do is diversify in investments and banks with adequate covered insurance for all accounts. Immediate access to available cash is always a priority that should be governed by the money manager in this case yourself.

599565

Who the fuck cares what most voters think? Most Americans also were unable to do the simple math to tell you whether you would have more or less purchasing power in a scenario where annual interest on your savings account was 1% but inflation was 2%. There's a reason we don't allow the average citizen to have a voice in regards to the economy and that is it. The profound level of ignorance from the average person regarding even the most simplistic elements of finance is appalling and disgusting.

599571

Im in texas so as far as i know we are allowed to work pretty much as much as we wantm its probably different in different states and i could be wrong about texas. Ive only worked in fast food so they could have smuged the rules a bit. I cant really work that little since if i do I'll only be able to spend or save 80 a month after bills and gas. So i qish i could work that little lol

599593

>Of course there will be a net loss in jobs. If you draw your box around the fast food industry only, then yes. However, if you draw your box around the entire US economy, it's not so clear cut. We have absolutely no idea what jobs will come in the future. Every single time an industry has been wiped out, from polar ice delivery to horse carriage manufacturing, new industries have risen to take their place.

599639

"It depends on when, where and how the account was setup. If the state has an UGMA (Uniform Gift to Minors) law, the account was probably opened under that -- in which case, your wife became the custodian by statute at age 18 or 21. She has always been the account owner. The ""catch"" is that if your wife's father died before she assumed custodianship of the account, it may be subject to taxation. You may be in some sort of oddball situation where due to your wife moving, the broker merging or lost records, the phone reps cannot figure out what is going on. I'd suggest working the phone tree a little harder and searching for old records."

599651

Points are index based. Simple take the total value of the stocks that compose the index, and set it equal to an arbitrary number. (Say 100 or 1000) This becomes your base. Each day, you recalculate the value of the index basket, and relate it to the base. So if our index on day 0 was 100, and the value of the basket went up 1%, the new index would be 101 points. For the example given, the percentage change would be (133.32 -133.68 ) / 133.68 * 100% = -0.27% Keep in mind that an index basket will change in composition over time. Assets are added and removed as the composition of the market changes. For example, the TSX index no longer includes Nortel, a stock that at one time made up a significant portion of the index. I'm not sure if a percentage drop in an index is really a meaningful statistic because of that. It is however, a good way of looking at an individual instrument.

599678

It looks like you are very well read. So here is some advice that you might have heard but dont take seriously and let me warn you since you are signaling a high intellect that you should take this very seriously. Do not do drugs. Even alcohol or cigs. You most likely have a high possibility of addiction since from what i have noticed the smart ones get easily addicted. This is not a joke. You will be much better living a sober life and i want you to do good for the world.

599684

"What they are doing is wrong. The IRS and the state might not be happy with what they are doing. One thing you can ask for them to do is to give you a credit card for business and travel expenses. You will still have to submit receipts for expenses, but it will also make it clear to the IRS that these checks are not income. Keep the pay stubs for the year, or the pdf files if they don't give you a physical stub. Pay attention to the YTD numbers on each stub to make sure they aren't sneaking in the expenses as income. If they continue to do this, ask about ownership of the items purchased, since you will be paying the tax shouldn't you own it? You can in the future tell them ""I was going to buy X like the customer wanted, but I just bought a new washer at home and their wasn't enough room on the credit card. Maybe next month"""

599700

I think most people will have a similar idea to you, but I believe manufactured meat will approach a stage where it is far more efficient to make compared to natural meat, simply because you're avoiding all the extra effort associated with animal husbandry like vaccinations, marking, grazing, slaughtering etc. Once that happens, manufactured meat will be a much cheaper and more environmentally friendly option and people will make the switch organically.

599701

No I get that. But if you don’t want risk, then buy bonds. Long term an S&P Index has very low risk. On the other hand, actively managed funds have fees that take out a ton of the gain that could be had. I don’t have time to look for the study but I read recently that 97% of actively managed funds were outperformed by S&P Indexes after fees. Now I don’t know about you but I think the risk of not picking a top 3% fund is probably higher than the safe return of index’s.

599715

"This is the best tl;dr I could make, [original](http://www.washingtonsblog.com/2017/09/real-reason-wages-stagnated-economy-optimized-financialization.html) reduced by 84%. (I'm a bot) ***** > Each of these dynamics may well exacerbate the trend, but they all dodge the dominant driver of wage stagnation and rise income-wealth inequality: our economy is optimized for financialization, not labor/earned income. > What does our economy is optimized for financialization mean? It means that capital and profits flow to the scarcities created by asymmetric access to information, leverage and cheap credit-the engines of financialization. > As for selling one's labor in an economy optimized for capital and the asymmetries of finance-there's no premium for labor in such an economy, other than technical/managerial skills required by finance to exploit markets. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6z41av/the_real_reason_wages_have_stagnated_our_economy/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~207199 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **economy**^#1 **labor**^#2 **financialization**^#3 **flow**^#4 **credit**^#5"

599725

How about a third approach: Figure the buyout as above. Figure what percentage of the value of the house the buyout constitutes. When the house sells the other party gets that percentage of the sales price.

599731

I'm not sure if I am exactly what you are looking for, but I am currently studying finance at a university with a top ten finance program. I would be happy to help you out with your search for a college or program. The stuff about how to dress and act will come later.

599739

"I would say yes: it's worth building additional retirement savings on top of a defined benefit pension plan (plans that pay set annual income). Here are a couple of reasons: Don't put all your eggs in one basket. While OTPP is probably in good shape, things can and do happen to pension plans. While there is a provincial system in place to guarantee some of your pension income ($1000/mo) if your plan goes bust, your benefits are not 100% guaranteed. Defined benefit pension plans are designed to provide recurring annual income, like your paycheck when you are employed. You can't ""take more out"" from your defined benefit pension plan when an emergency comes up. Whereas, your RRSP (and eventually RRIF, in retirement) are accounts from which you can take out extra in any given year, if necessary. That being said, Canada Revenue Agency (CRA) won't let you save as much in your RRSP as other people who don't have pension plans: Normally, individuals in Canada are entitled to save 18% of their earned income, up to a limit ($21000 in 2009) in an RRSP each year. However, to level the playing field, individuals who are in a pension plan get a ""Pension Adjustment"" (PA) number on their T4 which reduces their available RRSP contribution room. Otherwise, they'd be able to tax-shelter more income for retirement than others. So, I would suggest if you have the RRSP room, consider using it. I'd also suggest you look at a Tax Free Savings Account (TFSA), especially if you don't have much RRSP room due to the pension adjustment. If you're not sure whether to use an RRSP or a TFSA, consider both."

599755

It may not be available in all areas though. So the person you're replying to might not have access to it yet. But I'm pretty sure if the NYC can system failed they'd bring it to NYC really quick (if it's not there already).

599757

What is the goal of the money? If it is to use in the short term, like savings for a car or college, then stick it in the bank and use it for that purpose. If you really want this money to mean something, then in my opinion you have only one choice: Open a ROTH IRA with something like Vanguard or Fidelity and invest in an index fund. Then do something that will be very difficult: Don't touch it. By the time you are 65, it will grow to about 60,000. However, assuming a 20% tax bracket, the value of that money is really more like 75,000. Clearly this will not make or break you either way. The way you live the rest of your life will have far more of an impact. It will get you started on the right path. BTW this is advice I gave my son who is about your age, and does not earn a ton of money as a state trooper. Half of his overtime pay goes into a ROTH. If he lives the rest of his life like he does now, he will be a wealthy man despite making an average income. No debt, and investing a decent portion of his pay.

599765

>Case in point with Uber: Let's say you decide you want to drive for UberX. You lease a Prius, and thus are on the hook financially for $350/month + $100/month insurance + $300/month gas and other car expenses, and you'll have that for three years. That's a $750 nut. I'm not that familiar with the workings of Uber, but I assume people wouldn't lease a car specifically to become an Uber driver. I figured Uber drivers were people who already had cars. If you'd be paying a car lease anyway, driving for Uber doesn't really add that much to your costs.

599779

Yeah, I suppose that's true - and not just in finance but smaller companies in general. I think I might have a good gig right now where I can try my hand on both things. It's a bit tied to one IT system though (Misys Summit) but I guess a lot the skills are transferable.

599790

I doubt that there is an arrangement with any country that would allow you to transfer money out of a 401(k) and roll it over to another country that isn't governed by US Tax Laws without taking a distribution. The US government won't let you pull out like that without taking its cut. There may be, but I'd be surprised. Check around in the appropriate venues. If you're making a distribution that incurs penalties, then that's what you're doing. If you can do so without incurring penalties, then great for you, just deposit into the vehicle of your choice in your country.

599799

Honestly, if you're going to restrict the online payment on your card over this, you may as well just restrict it permanently. Because this is definitely not the only time anyone has had an opportunity to retrieve the information on your card. There isn't really that much information on there - anyone taking more than a cursory look could in theory remember it and use it. We're talking waiters and checkout chicks, anytime you've given your card to anyone really. Banks know this. Credit card numbers are not really secure. They factor this in. And they have software for fraud detection - looking at large or unusual transactions and transactions in foreign countries etc. Of course it's not fool proof, but the best thing you can do isn't to cripple your card, but just be a little bit more diligent about checking your statements, making sure the transactions make sense. Some banks also allow you to set up an alert system so anytime any transactions occur you are notified immediately.

599810

Funny how quickly that happened, huh? It's when you see shit like that, that you look at them and think wow, you really WERE just fucking us, and now you're scurrying around fixing shit because you know your business model can't compete with theirs. Fuckers.

599827

Well if you paid cash for an MRI in America it could be up to 5,000. In Indo it's only 250 dollars. So the average teacher can buy 24 MRIs a year in indo. How many MRIs can an average American teacher buy per year? Like 8 or 10 tops

599835

For 2014/15 it looks something like this: To make it a bit clearer, let's also plot the difference in net income for self-employment and a single person company compared to employment: Self-employment is slightly worse between £5885 and about £10,500 because Class 2 NI kicks in before the employed person starts paying any tax. After that, self-employment is better because you pay 9% Class 4 NI rather than 12% Class 1 NI. Once higher rate tax kicks in, the saving stops growing. The single-person company is most tax-efficient at all points, ignoring any accountancy costs it incurs. Strange things happen between £100k and about £135k because the withdrawal of the personal allowance kicks in at a different point when receiving dividends. We can also plot the percentage of income paid as tax for each case: The strange kink for self-employment below £10k is caused by Class 2 NI again. Employment and self-employment both gradually tend towards paying 47%, reaching 46.5% for £2m gross income. The company tends towards 44.44%, reaching 43.6% for £2m gross income.

599842

Fill out the form manually, using last year's return as an example of how to report these gains. Or experiment with one of the low-priced tax programs; I've been told that they are available for as little as $17, and if your alternative is doing it manually, spending a bit of time checking their results isn't a huge problem. Or run the basic TTax, and tell it to add the appropriate forms manually. It supports them, it just doesn't have the interview sections to handle them. (@DanielCarson's answer has more details about that.) Or...

599860

The Shiller data is inflation adjusted. In effect, a flat line means that long term, housing rises with inflation, no more no less. There's no argument, just the underlying data to support his charts. This, among them. As much as I respect Nobel Prize winning Robert Shiller, his approach and analysis of the boom ignored interest rates. Say we look at a $50K earning couple. This is just below median income. At 9%, they qualify to borrow $145K. As rates fell to 4%, they qualify for $244K. Same fixed 30 term. Ignoring all other factors, the swing in rates will generate an oscillation around the long term trend. And my own data crunching suggests the equilibrium median home price will tend toward the price supported by the median income. A similar, but not identical question - Why can't house prices be out of tune with salaries? In response to Chan-Ho's comment - I'd imagine Shiller understood the interest impact. To clarify, the chart, as presented, ignores it.

599874

Looks like it's $500 to start (certificate of organization) and $500 per year after that (for an annual report). Start here: http://1.usa.gov/haxLUB And that's just for the state to recognize you as an LLC.

599876

You are in business for yourself. You file Schedule C with your income tax return, and can deduct the business expenses and the cost of goods sold from the gross receipts of your business. If you have inventory (things bought but not yet sold by the end of the year of purchase), then there are other calculations that need to be done. You will have to pay income tax as well as Social Security and Medicare taxes (both the employee's share and the employer's share) on the net profits from this business activity.

599898

"Well, I'm not an expert and you sound pretty credible however I still don't see anything to back up what your saying in the sources that I've found: > Active business income can still be earned by [foreign] subsidiaries (if you can prove to Revenue Canada that it is a ""real"" corporation) and taxed at better offshore rates if 90% or more of its income comes from third party transactions. This seems to be consistent with my definition. >Active business profits earned by a foreign sub are taxed when profits are repatriated. Certain tax credits are available for foreign taxes paid and certain dividends out of surplus are tax free to the corporation (not individuals). http://www.can-offshore.com/tax-planning/reporting-rule1-ccra.htm So when foreign sub pays dividends to the parent corp they are still charged repatriation - just like in the US. Again, this sounds consistent with my previous comment. Canada has a corporate tax rate that is over 10% lower than the US so this is still a very good deal in its own right. Maybe you can explain in more detail or provide a source that has some additional detail? I also can't find any pieces on this or the Valeant deal that suggests beneficial repatriation rules."

599925

Investopedia has a good explanation of the term shorting which is what this is. In the simplest of terms, someone is borrowing the bond and selling it with the intent to replace the security and any dividends or coupons in the end. The idea is that if a bond is overvalued, one may be able to buy it back later for a cheaper price and pocket the difference. There are various rules about this including margin requirements to maintain since there is the risk of the security going up in price enough that someone may be forced into a buy to cover in the form of a margin call. If one can sell the bond at $960 now and then buy it back later for $952.38 then one could pocket the difference. Part of what you aren't seeing is what are other bonds doing in terms of their prices over time here. The key point here is that brokers may lend out securities and accrue interest on loaned securities for another point here.

599939

">Yeah, that's what I meant when I said 'fellowships'... freemasons, oddfellows, that sort of thing... Yup. I just wanted to elaborate on your comment, and make certain it didn't get dismissed as some ""religion only"" thing by some anti-religion ranters. The plain truth is that when it came to *urban* areas there were at least as many secular ""fraternal order of _____"" (be it ""elks"" or ""buffaloes"" or whatever) societies. >the sort of orders that inevitably get labelled as part of a conspiracy to take over the world by christians whenever they realize church attendance is down. But at the same time, whenever anyone nowadays suggests that ""private charity"" can take care of anything, those organizations get lumped in with and lost in the ""anti-religion"" (and more specifically the anti-church, anti-christian) aspect by people who seem to think the only possible ways for ""charity"" to exist are either via work/unions, or via business/rich folks (""philanthropy"") or via religion (and thus religious tyranny) or via government & taxes (and thus bureaucratic/political tyranny). Few people REALLY understand that the vast majority of ""charity"" was (back before ""welfare"") largely independent of all of those things -- just people who organized for common well-being."

599946

>Well, first off, the roads are more than just hobbies. They really do go places. A lot of the roads in my area would be unprofitable, and people live down those roads. What happens when a company decides that road is too expensive to maintain but decides to keep ownership? The people have to move? Yes, if people want to live out somewhere that is inefficient, other people who do not choose to live there shouldn't have to subsidize them. I say this having grown up 17 miles from the nearest town in a completely rural environment. >It doesn't have to, but it's unrealistic to expect that they won't take a profit from it. but do you really think that if a company has a monopoly, they're going to charge you the bare minimum they can? If you have no choice but to pay tolls or for driving passes for certain cities, and you can only get them from a single company, what motivation does that company have to keep them affordable and readily available? They're going to do like any company would and find that point of maximum profitability between cost of permit and number of permits. Is this not a similar situation we currently have with electricity, trash, and various other pieces of our infrastructure? People are not being gouged because there is some level of regulation, which is necessary for a functional society. I'm not necessarily advocating a completely free market as monopolies are dangerous, I just think the government's role is to big. >Then there's the whole reality that you will STILL pay for roads you don't use. If one company owns multiple roads, they're going to charge you enough money to expand roads, to fix up other dilapidated roads, etc. More profitable roads will be used to offset less profitable roads, etc. Basically, if there's a new neighborhood, and they build a road to it... if you've been paying that company, they're using your money to build that road. Not really. I'm paying to use a certain stretch of road right now. What the company chooses to do with that money is their issue.

599953

Yes they do. There are billions and billions spent on subsidies for pharmaceutical companies. It's the lion's share of the annual expenditures in the health sector and up there. If you're not happy with cbo.gov, there are countless other sources just a google search away. If I can find them in under a minute you can, too. If you don't have a problem with it then contribute the share of your income you see fit voluntarily. But who entitled you to decide for others that they have to do the same? And I say it again: mandatory public healthcare is not a service we all would use, that's why it has to be mandatory in the first place. And what's wrong with libertarian notions? Well, you never have to raise any taxes if you find and cut expenses of equal value before introducing a costly system. You don't need a source for that, that's maths 101. But I'd prefer the US to cut subsidies to 0, replace them with nothing and finally lower taxes. Which will eventually leave a lot more people with enough money to easily get private insurance. Just without the administrative effort and without forcing people to partake. It all comes down to ideological positions. We can talk numbers once we've come to the conclusion that mandatory public healthcare is the right and just thing to do. And for that you would have to convince me that exploiting a minority against their will is the right thing to do. Good luck with that. You can try to seek refuge behind sources, but you can't refute the moral argument with those.

599966

>It's biggly sad you don't understand human nature. This has nothing to do with human nature, it's about economics. If you are an employer, you do not hire and retain an employee that provides you value that is less than the wage you pay that employee. If you do, it *costs* you money to keep them on payroll. So if you force employers to pay a certain wage, all potential employees that are unskilled/uneducated/lacking experience that do not merit that wage have now been banned from the workforce because the base wage is higher than the work they provide. And the higher you set that base wage, the more people you ban from the work force.

599975

"Did your CTO let a major group use ""admin/admin"" as the administrator password? And did the job posting for your CTO have a note saying the primary responsibility could be learned or did they look for someone who already knew their shit? Read TFA, they explicitly said ""security can be learned"". This was a case of pre-choosing the person for the position."

599987

Giving the government more control over the distribution of goods and services, even more than it has now, is the recipe for imbalance that has doomed communism and socialism. Even the most tax friendly of the euros are having problems with their systems. They simply aren't competitive. https://www.thelocal.dk/20170829/denmarks-government-announces-new-tax-plan