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000022fff339f4b876b7 | "Basically, in any financial system that features fractional reserve banking, the monetary supply expands during times of prosperity. Stable, low inflation of 2-4% keeps capital available while keeping the value of money stable. It also discourages hoarding of wealth. Banks aren't vaults. They take deposits and make an... | |
000184b0da95231fe55b | In a perfect the world, the most ideal solution would be to find a way to pay back all of your debt so that your credit will not be affected any further. Unfortunately, it does not work this way most of the time. Debt settlement is where you work with a creditor to settle your a credit card debt for less than the full ... | |
000417ae3e30a7efff7c | When I put it on the credit card, I haven't paid for the product or service yet. If there is a dispute, then I have the upper hand because the cash is still in my pocket. | |
000657af17458bfe69e5 | Sure - I honestly don't mind membership sites, and there are a bunch of sites that I do maintain active memberships to like the New Yorker, it's all about quality. I just have to keep an eye on my subscription credit card so I can make sure I'm not getting billed for a service that I've long since forgotten about. | |
000a194f93e39691970a | trader. It's easy to learn how to develop, you can teach yourself how to develop, but gaining knowledge on how a traders day-to-day world is like is not as easy to come by. If you go dev first, it may be harder to get that business knowledge further down the track | |
000b66bee4b2f6a01ab0 | You will not necessarily incur a penalty. You can potentially use the Annualized Income Installment method, which allows you to compute the tax due for each quarter based on income actually earned up to that point in the year. See Publication 505, in particular Worksheet 2-9. Form 2210 is also relevant as that is th... | |
000ede1cc3d1102045d7 | "Two typical responses to articles/surveys making such claims: **1. People use other forms of asset for emergency savings because interest rates are low - clearly false.** **2. People use other forms of saving than a saving account therefore such surveys as the X% can't handle a $500 emergency are wrong on their face... | |
000f35ea7d872554e4db | How would I go about doing this? Assuming you had purchased the house by funding from your NRE account, you can easily move back the 30K into NRE Account and out of India from NRI Account. The 30K profit would be taxed in India as per capital gains and can only be moved into NRO account. A CA would need to certify that... | |
000fbe50cce1fa2169d0 | There is one edge case that may be of value to you. If you declare a bonus (probably to yourself given a very small company) you can deduct it from your year and then have up to 6 months to actually write the cheque and give it to the person. Say your year end for the corporation is July 31st. You could declare the bon... | |
00135e734418f571bb56 | "You seem to have a little confusion over terminology that should be cleared up: You are calling this ""day-trading"" Day-trading is the term for performing multiple trading actions in a single day. While it appears that the COO has performed a buy and a sell on the same day, most people would consider this a 'single t... | |
001433283568610ae481 | "Basically, unless you are an investment professional, you should not be investing in a venture in a developing country shown to you by someone else. The only time you should be investing in a developing country is if a ""lightbulb"" goes off in your head and you say to yourself, ""With my engineering background, I can... | |
001681d21c52e616339a | You're confusing open positions and account balance. Your position in GBP is 1000, that's what you've bought. You then used some of it to buy something else, but to the broker you still have an open position of 1000 GBP. They will only close it when you give them the 1000GBP back. What you do with it until then is none... | |
001a61d4d0acaf0af5d6 | Have you tried your local panhandler? She/He will probably accept 50€ in small change. | |
001aceacdcb9a6933966 | No, you can not use Schedule C for a Corporation. If you treat the business as a sole proprietorship, i.e.: not a separate legal entity and not a separate financial entity - then you can. If that's how you treat your corporation, then you can continue using Schedule C, but there's no reason whatsoever to continue being... | |
001b3183f9e488d4a0ca | Given your timeframe, risk tolerance, and the fact that you don't need this money, I would suggest a balanced approach. Something like: If you want to have fun investing, you could look into things like lendingclub, or bonds, or stocks, etc. But an allocation like I've outlined above is a pretty good balance of risk an... | |
001d8eafff52c2700963 | There is no right answer here, one has to make the choice himself. Its best to have an emergency fund before you start to commit funds to other reasons. The plan looks good. Keep following it and revise the plan often. | |
002096167d3c1680886a | "As Michael McGowan says, just because gold has gone up lots recently does not mean it will continue to go up by the same amount. This plot: shows that if your father had bought $20,000 in gold 30 years ago, then 10 years ago he would have slightly less than $20,000 to show for it. Compare that with the bubble in real... | |
0022954a46e5eb3e3bd7 | "Penny stocks are for the real gambler. Don't even think about holding them long. Buy a lot of shares and profit from a penny uptick. Rake a hundred dollars here and there a few times a week if you can. Don't fall in love with it. Trade for profit. Don't bet the farm. Only play what you can afford to lose at the... | |
00279ce4e5e7fc39f136 | For those who don't know, credit card checks are blank checks that your credit card company sends you. When you fill them out and spend them, you are taking a cash advance on your credit card account. You should be aware that taking a cash advance on your credit card normally has extra fees and finance charges above ... | |
002b5d475628c1d92973 | House as investment is not a good idea. Besides the obvious calculations don't forget the property tax, home maintenance costs and time, insurance costs, etc. There are a lot of hidden drains on the investment value of the house; most especially the time that you have to invest in maintaining it. On the other hand, if ... | |
002ed0bd4f4963debbde | You are correct that W-4s are very confusing for multiple income homes, and even more so if you change salary significantly during the year. There are just too many variables in those situations to provide an effective, simple form. Unfortunately, the best way to get accurate withholdings is trial-and-error. Try and ... | |
002fcff850558c5dfe43 | The Australian Tax Office website shows Tax Rates for individuals based on the income earned in the Financial Year. Calculating what you'll be taxed For instance, it show that every dollar you earn up to $18,200, you are not taxed. Every dollar over that, up to $37k is taxed at 19 cents. And so on.. Example 1 So as an ... | |
0030bdf15c23363b6ae9 | "If you don't want to do the deep research on each individual company, you might want to look at index funds and similar ""whole market"" investments." | |
0030e4620a12a6f51435 | Here's the 2009-2014 return of the S&P 500 (SPY) vs. Vanguard FTSE ex-US (VEU) (higher returns bolded) Another argument for them is their low correlation to U.S stocks. Looking at history however, I don't see it. Most times U.S stocks have done badly, foreign stocks have also done badly. Looking at the last 6 years... | |
00327b9051d9b1b598fb | "I looked at data from Sept 2010 to present: Standard deviation is what shows the spread shape of returns over time, and it meanS that about 2/3 of the time, AAPL return was within +/- 1.65 higher/lower than the daily average return which was .21 %. Not sure where to go with this except to suggest that in fact, AAPL is... | |
0035d5eea9920e34c711 | How would the RRSP know where the money came from? You have two separate financial operations going on: You invest some money, within the limits set by the law, in a Tax Free Savings Account. Near the end of the year, you take the money, plus interest, out of the account. As you may guess by the name, you need not re... | |
0038ef30f427ca2e83d2 | Sort of free market system when there are resource limits. The city doesn't sell the medallions for $2M, but they do artificially limit the number available. All the mediallion owners bought and sold the medallions on the grey market, and that drove up the price. They all speculated on something very risky. Just like P... | |
003b1cd2b4792c586dea | A major reason that I can think of is financial security. Most people have reoccurring costs such as housing, car, medical expenses. If you were to put all you money into dept, and live from check to check, than you could be increasing risk of financial loss. Think about what would happen if one were to default on thei... | |
003ffcef4312762d7919 | Leins basically work by having someone take you to court. If you show up and fight it, nothing happens. But if you never show up (which a lot of people don't due to thinking 'this is pointless'), then the other party wins by default. I was just trying to point out that they have other options than just fighting it out... | |
004041e5abe6bfa31768 | "Honestly just keep track of your income and spending on a piece of paper. Write down every single thing. Also set goals like ""ok I will make $1000 this month, and my goal is to pay bills of $200 and only spend $500 therefore I should easily be able to save $300"" or something like that. Just do it there's no magic... | |
00428a78e8057be70650 | Disclosure: I am not an agent. Yes you can negotiate a lower price if the seller doesn't have to pay a buyers' agent's commission, but you probably won't save the full commission, since the buyer will want to take some of those savings in exchange for the extra risks involved. Thinks about some of the things that buy... | |
00495721b1ae10a62ac3 | That's interesting. So Spain could be back in crisis mode if a crisis were to occur in Latam? The difference is quite large so it must mean Spain owns a heck of a lot of foreign assets producing significant returns relative to their GDP... | |
004bd2edd08dccaa77c4 | "What you're describing makes sense. I'd probably call the non-liquid portion something besides my ""emergency fund"", but that's semantics mostly. If you have 3 months of ""very liquid"" cash in this emergency fund and you're comfortable that this amount is good for your situation, then I don't see why you can't have ... | |
004f3a401b0613bcf85f | "It won't hurt your credit score, but it may hurt your ChexSystems score. ChexSystems is another consumer reporting agency that doesn't keep track of your debts, but of your bank accounts. Banks (most but not all) check ChexSystems before you open an account to see if you bounce checks, overdraft, make a lot of teller ... | |
00548e37a6138c523114 | "Yes, your business needs to be in the business of making money in order for you to deduct the expenses associated with it. I suppose in theory this could mean that if you take in $10,000 and spend $30,000 every year, you not only don't get a net deduction of $20,000 (your loss) but you have to pay tax on $10,000 (your... | |
005b26b27ecd76dba142 | "There's truth to that, although I'm not sure if the ratio is quite 6 to 1. It IS true that they are processing foreclosures much slower now after the robo-signing fiasco, and also that there is some justification for letting a house stay occupied rather than sit empty. I disagree with your assertion that ""smart bank... | |
005b5318d900d98df51d | Quick pay off the student loans. You have 140K in savings with a combined salary of 170K. You are looking to make money with the 140K, so just pay off the loans. It will turn your monthly loan payments in to a stream of money that can be used to save money for the next house. Assume: The rest of the 700K needed for a ... | |
00606c740e5be79a7e00 | It's simple. Most people don't spend $6000 a year in medical care. As for myself, there's probably only $400 or less, mostly in annual checkups and the like. If you are the type to require more medical care, then you will pay more per month. I know a person with asthma, kidney stones, and inflammatory issues. This per... | |
0064358b3ce904b262e5 | I don't think there's much you can do. Losses from the sale of personal-use automobiles (used for pleasure, commuting, etc) are not deductible as capital losses. See IRS Tax Topic 409, end of the first paragraph. The expenses you incurred in owning and operating the car (insurance, fuel, maintenance, service plans, e... | |
0064d62a96dbfb99a94f | China was the only place that I've traveled to where they had built in privacy screens as you're going through security. One person at a time through the metal detector and once you pass through the metal detector you're in an area that has complete privacy. Nobody before or after the line can see you. In a way it's go... | |
0067ce66c5209ea36713 | Twitter (and Facebook) are media companies. They make money selling (user generated) content to advertisers. To do this affectively, they need people on the ground in each market who speak the language and know the local customs. If your question is why don't they make larger profits, is this their focus? Growth is TH... | |
006952a75d30b7aa5a24 | No. You're lucky, maybe, but not really a successful investor. Warren Buffet is, you're not him. Sometimes it is easier to pick stocks to bid on, sometimes its harder. I got my successes too. It is easier on a raising market, especially when it is recovering after a deep fall, like now. But generally it is very hard to... | |
006cbab6621310be9dfd | I wouldn't go into a stock market related investment if you plan on buying a house in 4-5 years, you really need to tie money up in stocks for 10 years plus to be confident of a good return. Of course, you might do well in stocks over 4-5 years but historically it's unlikely. I'd look for a safe place to save some mon... | |
006d6dbcbc19215cb361 | Just to add: the 20% APR is the annualized interest rate, but applied monthly. So you'd be charged $0.50 of interest on your $30 balance, which gets capitalized on the next month. So if you were to miss the next payment for some reason, your new interest charge would be on $30.50 instead of $30 (actually, it'd be much ... | |
006e1f25c7be70efeff6 | "Essentially, yes. Any and all decisions a business make are for one reason: $$$ Your paid vacation? That's an incentive to get better, more productive workers. Your company has done a cost/benefit analysis and they've figured out that it's worth their money to pay you to do nothing for a week because that paid... | |
006f3facdeeaf66ba133 | "It is likely a scam. In fact the whole mystery shopping ""job"" may be a scam. There is a Snopes page about cashier's check scams, as well as a US government page which specifically mentions mystery shopping as a scam angle. As for how the scam works, from the occ.gov site I just linked: However, cashier’s checks la... | |
007134f7cc81017443af | "i have to disagree about the "" the literal secret - the special alloy of copper, tin, and silver that gives the Zildjian cymbals their world-renowned sound."" It is no secret, the alloy can be determined with these tools. http://www.niton.com/Niton-Analyzers-Products/Which-XRF-Analyzer-Is-Right-for-Me.aspx?sflang=... | |
00719f03f35bbb4abaea | You almost never want to repay a pre-2012 student loan early. As you've realised, you can put the money in an ISA instead and earn more interest than you're paying on the loan. If you withdrew money from the ISA each month to replace the repayments being taken from your salary, there'd be money left in the ISA when you... | |
0071c6c7538d547c4255 | 1) Yes, buyouts are always higher than the trading price. 2) ANYTHING can be negotiated. There is no rule saying buyouts have to be higher. | |
0071dbb57baeecccfba8 | I bought a Thinkpad in Dec 2007 using BillMeLater, which was working with IBM/Lenovo at that time. I was getting the notebook at the lowest price available, from the manufacturer. I had the money to pay for it -- around $1400. But I went ahead and took the offer from BillMeLater. It was essentially a 12-month zero-... | |
007329e59b59d880a086 | I have been through default in Ukraine august 1998. That was a real nightmare. The financial system stopped working properly for 1 month, about 30% of businesses went bankrupt because of chain effect, significant inflation and devaluation of currency. So, it is better to be prepared, because this type of processes resu... | |
0074147f6589687be4f5 | I know this is heresy but if you have funds for significantly more than 6 months of expenses (let's say 12 months), how risky would it be to put it all into stock index funds? Quite risky as if you do need to dip into it, how fast could you get the cash? Also, do you realize the tax implications when you do sell th... | |
007618f19be8147a4d41 | Simple. Say in 2012 you were up 50% (brilliant) but then in 2013 you were down 50% (sorry). i.e. if you started with $1000, you were up to $1500, then down to $750. You lost $250 overall. If you were to compute the mean of the percentages using each method, then: Arithmetic mean: The average of +50% and -50% (really 1... | |
007632e54072db99dc50 | Wow the collateral totally eliminates the purpose of the swap for B, to have a consistent steady cash flow and stable expenses. It probably wouldn't be worth a broker's time unless it was in the millions. They should invent interest rate swaps for the mass market. I'm patenting that! | |
007d7fcd5899cd8cc32b | This is why financial industry rules reform and stricter oversight is so necessary. Information is money and information should be universally accessible or off limits for use. People knowing things others can't makes them money and costs money for the people not in the know. This is the antithesis of free markets. | |
007e8bb29363788a789d | You cannot trade in pre-IPO shares of companies like Facebook without being an accredited investor. If a website or company doesn't mention that requirement, they are a scam. A legitimate market for private shares is SecondMarket. | |
0082c054c54eda39fca2 | An LLC or an S corp will result in the same tax obligations because both are pass-through tax entities. An LLC is more flexible for the situation you describe because the member and manager responsibilities can be detailed in the operating agreement. You really should get a business attorney to help you get your operat... | |
00866643a7e1c9c65a85 | "Aggressiveness in a retirement portfolio is usually a function of your age and your risk tolerance. Your portfolio is usually a mix of the following asset classes: You can break down these asset classes further, but each one is a topic unto itself. If you are young, you want to invest in things that have a higher retu... | |
0087bdc7091d41252a6e | We need more info to give a better answer, but in short: if you assume you will make $0 in other employment income next year, there is a HUGE tax benefit in deferring 50k until next year. Total tax savings would probably be something like $15k [rough estimate]. If you took the RRSP deduction this year, you would save s... | |
008bb17c7f10629baf3d | Thank you for that tip. I've not heard of that but will look into it. I am reading the Pumpkin Patch right now, and working in the Babson College program via Goldman Sach's 10,000 Small Business and it has me spinning on all the things to consider. Great learning experience thus far. | |
008c343df0fed10cd402 | If you repair your phone, when your current balance is paid off, could you get the same coverage for less money? Or would your monthly payment remain the same regardless? That would be the easiest comparison to make. ie: Pay an extra $49 to have the phone replaced [ie: the cost of using the insurance program for $149,... | |
008e7c0a927d46c8bc9a | "This is several questions wrapped together: How can I diplomatically see the company's financial information? How strong a claim does a stockholder or warrantholder have to see the company's financials? What information do I need to know about the company financials before deciding to buy in? I'll start with the easie... | |
008f5999d2db26ada302 | Sell the house, in the scenario you describe he is using the property as an investment with a $250 per month buy-in. This investment doesn't make a return right now and when you add in the cost of dealing with the tenant (even if he doesn't have those cost now, he will when they move out)he is out of more than $250 a m... | |
0090fbd7f6e68ed22d4e | Yes. The real question is whether you should. You should consider your investment options, and take into the account that there's much more hype than value in many companies. | |
00986e2e430e6c6dde25 | "Verbal agreements are not legally binding. Unless you have signed a new lease agreement, you are not obligated to continue renting the property - you are free to go. On the other hand, if you really like the place and want to stay, you should sign another lease agreement. This agreement will be binding on whomever ow... | |
009912028d04ae4f8225 | With an appropriate selection within a 401K and if operating expenses are low, you get tax deferred savings and possibly a lower tax bracket for now. The returns vary of course with market fluctuations but for almost 3 years it has been double digit growth on average. Some health care sector funds were up over 40% la... | |
009b15e5a76bf779f632 | "But in the debt-payoff-first scenario, I'd be wiping out my debt in two years. It would take several more years if I were to just pay the minimums and put the extra money toward investing instead. Right. The idea is that in 2 years, you are likely to have more in the savings/stock account than you owe on the loan.... | |
009df3bb147f57568133 | From my experience and friends' experiences, I can say that there are advantages and disadvantages for paying off your mortgage quickly. Basically, it depends on these factors: the type of the mortgage, its interest rate, your financial stability, your skills in making investments and other outside factors, such as inf... | |
009e2d796c958606daa8 | "I had an HSA for two or three years. I found very routinely that my insurance company had negotiated rates with in-network providers. So as I never hit the deductible, I always had to pay 100% of the negotiated rate, but it was still much less than the providers general rate. Sometimes dramatically so. Like I had some... | |
00a301f9102f5749a7fe | A *lot* of big companies offer credit cards. And it makes total sense. For example, if you have a Macy's card, you get access to special discounts that you wouldn't normally get. It saves the consumer money and builds loyalty to the brand. Same for Southwest credit cards. It's a completely normal move. EDIT: Also, Ube... | |
00a3b4c9e5d78b883b0f | Great question. First, my recommendation would be for you to get a card that does not have a yearly fee. There are many credit cards out there that provide cash back on your purchases or points to redeem for gift cards or other items. Be sure to cancel the credit card that you have now so you don't forget about that y... | |
00aabe07cd456635a362 | You cannot deduct expenses directly. However, your employer may participate in programs to allow you to make a pretax deduction capped at $255 per month to pay for certain commuting expenses. For personal car commuters the main category is to pay for parking. IRS guidelines Qualified Transportation Benefits This ex... | |
00ac8dc09e2eeeb63b72 | Coincidentally just read a nice post on this topic: http://thefinancebuff.com/no-tax-advantage-in-rsu.html In short, sell the stock as soon as it vests and treat it as a cash bonus. Assuming you're in the US and the stock is possible to sell (public company, no trading window restrictions, you have no material nonpubli... | |
00ae087930dda05eb71a | I think I get your question, but your wording is throwing a lot of us off. If what you want is a clean, effective and efficient interface over port 80, then USAA.com has done some great usability work. Additionally, they have really done some pioneering work with web services and mobile applications. On top of that, th... | |
00ae1b5a1973d1f7e81e | You're most likely required to file in both for 2013 - since you've lived in both. From 2014 and on you're definitely a NY resident (since you're renting a place there and live there), and you may very well continue being NJ resident (since you're essentially continue being domiciled there). I suggest talking to a EA/C... | |
00aeb60217625b1313c8 | I am in a very similar situation as you (software engineer, high disposable income). Maximize your contributions to all tax-advantaged accounts first. From those accounts you can choose to invest in high risk funds. At your age and date-target funds will invest in riskier investments on your behalf; and they'll do it w... | |
00b0ee1e6c7f1272505d | I think you might be missing something important here. If you are running a business, then any expenses that your business incurs are deductible. Yes, Kickstarter would report the full amount. The IRS requires them to report everything that you raised. However, the Kickstarter and Amazon fees would be a business expen... | |
00b114ac49c03c0af920 | Cart's answer is basically correct, but I'd like to elaborate: A futures contract obligates both the buyer of a contract and the seller of a contract to conduct the underlying transaction (settle) at the agreed-upon future date and price written into the contract. Aside from settlement, the only other way either party ... | |
00b1d276bafc638b800f | I can only answer about the U.S. For question 2, I believe the answer is no. If you are a non-resident alien for tax purposes, then only income connected to the U.S. is reported as income on the tax return. Unless there were any non-deductible contributions to your pre-tax IRAs, when you convert to Roth IRA, the entire... | |
00b45463075e981eb05a | Sometimes the market has to be left alone. Too much interference of the policy makers to stabilize the falling market can actually result in a major crisis. Every change stabilises after sometime and it is also applicable in the Forex trading market. So, the eager investors should learn to have some patience and wait f... | |
00b661b0590e244dd4e6 | Having separate savings account for your kids college fund, retirement fund, holiday fund etc is one way to compartmentalise savings. Downside to this is the management of these funds especially if you have them with different banks. Like others here have pointed out, keeping track via spreadsheet is relatively easy an... | |
00baaf4cf19f0de4ae6c | One of my university professors suggested doing this systematically to get access to shareholder meetings where there is typically a nice dinner involved. As long as the stock price + commission is less than the price of a nice restaurant it's actually not a bad idea. | |
00baf70b5406c3115c60 | Credit unions are mutually-owned (i.e. customer owned) financial institutions that provide banking services. They take deposits from their members (customers) and loan them to other members. Members vote on a board of directors who manage operations. They are considered not-for-profit, but they pay interest on depo... | |
00bfe6f0e0ba8d5400a2 | "Technically it doesn't matter what size the check is. In fact, it doesn't even have to be written on paper. While writing it on a cow may not always fly, almost any object actually will. That said, more to the question asked - you can definitely use the smaller ""personal""-sized checks for a business account. The lar... | |
00c02c589c3ac1baeb67 | You might what to check out Interactive Brokers. If your India stock is NSE listed they might be able to do it since they support trading on that exchange. I would talk to a customer service rep there first. https://www.interactivebrokers.com/en/index.php?f=exchanges&p=asia | |
00c0af94a559373e23a1 | question #2 - yes, 25% of your 1099 income. Good idea. It adds up quickly and is a good way to reduce taxable income. | |
00c15e0fadf3d5ed16b0 | I have found that between the Discover card and a Visa/Master Card a person has everything covered. In my case the Discover card had the best deal (cash back) and the Visa/Master Card took care of those times a vendor didn't take Discover. One big Box store (Costco) did trip us up, so we did end up getting an American ... | |
00c27da72d3ea83e7d63 | "This is a speculative question and there's no ""correct"" answer, but there are definitely some highly likely outcomes. Let's assume that the United States defaults on it's debt. It can be guaranteed that it will lose its AAA rating. Although we don't know what it will drop to, we know it WILL be AA or lower. A tripl... | |
00c33c270af437fcf97a | "You don't mention what kind of insurance you're talking about, but I'll just address one angle on the question. For some kinds of insurance, such as health insurance (in the US), auto insurance, and homeowner's insurance, you may be insuring against an event that you would not be able to pay for without the insurance.... | |
00c5076666e890e74224 | The Limit Order are matched based on amount and time. The orders are listed Highest to Lowest on the Buy Side. The orders are listed Lowest to Highest on the Sell Side. If there are 2 Sell orders for same amount the order which is first in time [fractions of milliseconds] is first. The about is the example as to how t... | |
00c5158023877463d055 | Just to be clear, I've been in the industry, specifically in government and regulatory affairs, seven years. In the US, there is generation, transmission, distribution, merchant function/retail function, and government impositions (fees, taxes, environmental regulations, etc), *just like presented in the image.* In ... | |
00c999314cf5f127fabe | Call it whatever you like. There ate places you can go which have no government taxes... mostly because they have no government and there is no social services. They are places like Somalia, and regions of Afghanistan. Sorry, but if yippy ate going to live under the umbrella of three modern world, that comes with an... | |
00d35f2699e15175ebd5 | "If I buy property when the market is in a downtrend the property loses value, but I would lose money on rent anyway. So, as long I'm viewing the property as housing expense I would be ok. This is a bit too rough an analysis. It all depends on the numbers you plug in. Let's say you live in the Boston area, and yo... | |
00d6693be5ab62e6aa09 | Use form W7 to apply for an ITIN. You'll need to qualify for any of the reasons stated there. If you don't qualify for any - you can't get an ITIN. From what you described it looks like your husband is not entitled for ITIN. | |
00d700af6481b013c0e0 | If I were you, I would pay one of them off completely, then cut the card up and close the account. I have the feeling that you would be better off with just one card. That's all I've ever had and I've never needed a second one. It can help keep you out of trouble, too. Then I'd apply $1000 to $1500 towards the other ca... | |
00d9096c9a878ae2a648 | I don't see why an online-only bank would need to do anything more against fraud than a bank that also has brick-and-mortars. In the contrary, they would need less (physical) security, as they don't have to protect cash, lock boxes, and other physical assets. All banks nowadays have an online business, so they all have... | |
00dba5c918bdb011ccc8 | "Lol master in computer science. I'm an idiot. K bro. I'm just calling it like it is. The problem with finance guys is they look at rich guys and accept their word as law. I don't care if this guy is a ""VP"" or whatever, I care if he has the technical chops to understand the technology. I'm willing to bet money he ha... | |
00df81e5924d2c706598 | BATS CHi-X Europe is a market maker. They provide liquidity to the order books of different kinds of equities on certain exchanges. So the London Stock Exchange lists equities and the order books show the orders of different market participants. Most of those market participants are market makers. They allow others to ... | |
00e5224554fbfb685b8f | The question is valid, you just need to work backwards. After how much money-time will the lower expense offset the one time fee? Lower expenses will win given the right sum of money and right duration for the investment. | |
00eaa1292e125c83fa5b | I use the self-directed option for the 457b plan at my job, which basically allows me to invest in any mutual fund or ETF. We get Schwab as a broker, so the commissions are reasonable. Personally, I think it's great, because some of the funds offered by the core plan are limited. Generally, the trustees of your plan ar... |
RLHN FiQA-2018 — Training, unified schema
The fiqa subset of rlhn/rlhn-680K (RLHN: the BGE retrieval training collection with its false hard negatives relabelled by a GPT-4o-mini → GPT-4o cascade; Thakur et al., 2025), reshaped into the strict schema shared by every dataset in this collection.
| Source | rlhn/rlhn-680K @ d5323fad7aea, subset fiqa |
| Task | financial question → answer post |
| Domain · languages | finance · eng |
| Queries / documents / qrels | 5,159 / 28,826 / 16,453 |
| Qrels per query | min 1 · mean 3.19 · max 26 |
| Score values | 2 ×5,152 · 1 ×11,301 (2: RLHN's original positive, 1: a hard negative RLHN relabelled as relevant) |
| Layout | queries · corpus · qrels · hard-negatives · teacher-scores, split train |
| Splits | corpus: train · hard-negatives: train · qrels: train · queries: train · teacher-scores: train |
| Hard negatives | sources: dataset, dense · 578,849 rows |
| Teacher scores | jinaai/jina-reranker-v3.5 · 560,061 rows (positives included) |
| Ids | sha1(text)[:20]; identical texts collapse to one document / query |
| License | cc-by-sa-4.0 |
Schema
| config | columns | rules |
|---|---|---|
queries |
id: string, text: string |
ids unique and non-empty; every query has ≥ 1 qrel |
corpus |
id: string, title: string, text: string |
title is always present ("" when the source has none) |
qrels |
query-id: string, corpus-id: string, score: int32 |
referential integrity to both tables; no duplicate pairs; no floats |
hard-negatives |
query-id: string, corpus-id: string, rank: int32, source: string |
one row per negative; (query-id, corpus-id, source) unique; never a labelled positive of the same query |
teacher-scores |
query-id: string, corpus-id: string, teacher: string, score: float32 |
one row per scored pair (positives included); a row means scored — never a placeholder |
Files are Parquet, sorted by id, zstd-compressed, sharded at 500 MB. Every rule above is checked before publishing; provenance.json records the source revision, what changed, and the output file hashes. teacher-scores holds no rows yet; datasets cannot return a 0-example split, so read that file with pyarrow / pandas until it is filled.
What changed from the source
- subset: the rows of
rlhn/rlhn-680Kwhosesubsetisfiqa(FiQA-2018 in the BGE training collection) - positives: each query's positive passages; RLHN's original positive at grade 2, the hard negatives its LLM cascade relabelled as relevant at grade 1
- negatives: RLHN's remaining hard negatives in RLHN's order (
rank1, 2, …),source=dataset - decontaminated (exact queries): 337 queries whose normalised text equals an evaluation query (the 23 test sets and the 6 dev sets) were removed
- decontaminated (overlap audit): 46 passages that equal or nearly copy an evaluation document some evaluation query judges relevant, and 0 queries that nearly copy an evaluation query (word 13-grams for passages, 8-grams for queries; at least half shared with one evaluation text) were removed, and with them 0 queries in total; near copies of evaluation-corpus documents that no evaluation query judges relevant were kept
- shared corpus: FiQA-2018's training queries come with passages of the FiQA corpus, which FiQA-2018's test and dev queries share by the benchmark's design; those passages are kept (this is FiQA-2018's own train split), and only passages that a different evaluation set judges relevant were removed
- text: leading and trailing whitespace stripped
- ids re-keyed to
sha1(text)[:20]: 0 documents and 0 queries collapsed into identical texts - not published: the order scores the local conversion uses in place of teacher scores (RLHN has no teacher)
Hard negatives and teacher scores
Filled by the owner's annotation pipeline (annotation=jina35-r3) for the train split of the
query set(s) below; queries without a labelled positive are left out.
- Candidates: dense retrieval with
jinaai/jina-embeddings-v5-text-smallover the full corpus to depth 1,000; 100 candidates per query drawn from the rank windows 1–30 (30), 31–100 (30), 101–300 (20), 301–1000 (20), the query's labelled positives excluded.rankis the dense rank;sourceisdensefor a mined row anddatasetfor a negative the source labels itself (those are kept for every query of the split, sampled or not). - Teacher:
jinaai/jina-reranker-v3.5, listwise: a query's positive and all of its candidates are scored together in one context of up to 32,768 tokens.scoreis the raw cosine score, one row per (query, positive) and per (query, candidate); a labelled negative that was also mined is scored once. Every document was cut to its first 1,024 reranker tokens before scoring (max_doc_tokens=1024). The positive scored is the query's training positive (its highest-graded qrel, ties by id); RLHN's other labelled positives are not scored. No filtering is applied to the tables.
| configs | queries | hard negatives | teacher scores |
|---|---|---|---|
hard-negatives · teacher-scores |
5,159 (all) | 578,849 (73,784 dataset, 505,065 dense) | 560,061 |
from datasets import load_dataset
negatives = load_dataset("Hyukkyu/train-rlhn-fiqa", "hard-negatives", split="train")
scores = load_dataset("Hyukkyu/train-rlhn-fiqa", "teacher-scores", split="train")
Load it
from datasets import load_dataset
queries = load_dataset("Hyukkyu/train-rlhn-fiqa", "queries", split="train")
corpus = load_dataset("Hyukkyu/train-rlhn-fiqa", "corpus", split="train")
qrels = load_dataset("Hyukkyu/train-rlhn-fiqa", "qrels", split="train")
negatives = load_dataset("Hyukkyu/train-rlhn-fiqa", "hard-negatives", split="train")
License and attribution
RLHN is released under CC BY-SA 4.0, and so is this copy (share-alike). The underlying FiQA-2018 data carries its own terms. All credit belongs to the original authors; see rlhn/rlhn-680K. This repository is an independent repackaging. Please cite RLHN:
@misc{thakur2025relabel,
title={Fixing Data That Hurts Performance: Cascading LLMs to Relabel Hard Negatives for Robust Information Retrieval},
author={Nandan Thakur and Crystina Zhang and Xueguang Ma and Jimmy Lin},
year={2025},
eprint={2505.16967},
archivePrefix={arXiv},
primaryClass={cs.IR},
url={https://arxiv.org/abs/2505.16967},
}
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