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"content": "Name the different emotions inferred from the sentence.\n\nHe was so angry that he slammed the door.",
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"content": "Anger.",
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"content": "If the U.S. defaults on its debt, what will happen to my bank money?\n\n",
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"content": "Government default doesn't mean that all US money is immediately worthless. First, the bondholders will get stiffed. Following that, interest rates will shoot up (because the US is a bad credit risk at this point) and the government will monetize its ongoing expenses -- i.e., fire up the printing presses. If you're concerned about not having access to your money, start pulling out a little extra when you get cash at an ATM. Build it up over time until you have enough currency to weather through whatever emergency you envision with your bank account.",
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"content": "How does a brokerage firm work?\n\n",
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"content": "Real target of commisions is providing \"risk shelter\". It is kind of \"insurance\", which is actually last step for external risks to delete all your money. In part it cuts some of risks which you provide, brokers track history of all your actions for you (nobody else does). When brokerage firm fails, all your money is zero. It depends from case to case if whole account goes zero, but I wouldn't count on that.",
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"content": "What is the function of the mitochondria in a cell?\n\n",
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"content": "The mitochondria is an organelle found inside most cells and its primary role is to generate energy for the cell in the form of Adenosine Triphosphate (ATP). This energy is essential for the cell to perform its basic functions and to survive.",
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"content": "Generate a rhyme scheme for a poem.\n\n",
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"content": "ABAB - This rhyme scheme features two sets of consecutive lines that have a similar sound or rhyme. It is often used in ballads and folk music.",
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[
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"content": "Do Americans really use checks that often?\n\n",
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"content": "I still use checks to pay rent and occasionally some bills/liabilities. That said, I did notice an (elderly) lady paying by check at the supermarket a while ago. So is it really common to get a paycheck in the sense that you get a piece of paper? Yes and no. There are some people that opt for the physical paycheck. Even if they do not, there is a pay stub which serves as a record of it. My last employer went to online pay stubs and a bunch of us opted out, sticking with the good old paper in an envelope. We sure were glad of that when there were technical issues and security concerns with the online service.",
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"content": "How are long-term/short-term capital gains tax calculated on restricted stock?\n\n",
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"content": "Fidelity has a good explanation of Restricted Stock Awards: For grants that pay in actual shares, the employee’s tax holding period begins at the time of vesting, and the employee’s tax basis is equal to the amount paid for the stock plus the amount included as ordinary compensation income. Upon a later sale of the shares, assuming the employee holds the shares as a capital asset, the employee would recognize capital gain income or loss; whether such capital gain would be a short- or long-term gain would depend on the time between the beginning of the holding period at vesting and the date of the subsequent sale. Consult your tax adviser regarding the income tax consequences to you. So, you would count from vesting for long-term capital gains purposes. Also note the point to include the amount of income you were considered to have earned as a result of the original vesting [market value then - amount you paid]. (And of course, you reported that as income in 2015/2016, right?) So if you had 300 shares of Stock ABC granted you in 2014 for a price of $5/share, and in 2015 100 of those shares vested at FMV $8/share, and in 2016 100 of those shares vested, current FMV $10/share, you had $300 in income in 2015 and $500 of income in 2016 from this. Then in 2017 you sold 200 shares for $15/share:",
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"content": "Provide an example of a use case for Machine Learning\n\n",
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"content": "An example of a use case for Machine Learning is a spam filtering system. It uses ML algorithms to detect spam emails and filter them out of a user's inbox.",
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"content": "Estimate how many galaxies the universe has.\n\n",
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"content": "According to current scientific estimates, the universe contains around two trillion (2,000,000,000,000) galaxies. The universe is constantly expanding, so this number could change over time. Additionally, the exact number of galaxies is hard to determine and may in fact be infinite.",
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"content": "Compare the voice samples and output which one is higher in pitch and which one is deeper.\n\nVoice Sample 1: \"Hello, how are you today\"\nVoice Sample 2: \"Hi, how can I help you\"",
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"content": "Voice Sample 1 is higher in pitch, while Voice Sample 2 is deeper.",
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[
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"content": "Generate an example visa application for a student.\n\n",
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"content": "I am applying for a student visa to study English at a language school in the United States of America. I am from Chile and am 18 years old. I plan to study for 6 months beginning in April 2021. I have a passport from Chile with an expiration date of May 2022, and I have a bachelor’s degree in applied mathematics. To support my stay in the United States, I have sufficient funds for airfare, school tuition, and living expenses. I have no criminal record. I plan to stay with a host family during my stay in the United States, and I am excited to learn more about American culture while pursuing my studies.",
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"content": "22-year-old inherited 30k from 529 payout - what is the best way to invest?\n\n",
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"content": "Look through the related questions. Make sure you fund the max your tax advantaged retirement funds will take this year. Use the 30k to backstop any shortfalls. Invest the rest in a brokerage account. In and out of your tax advantaged accounts, try to invest in index funds. Your feeling that paying someone to manage your investments might not be the best use is shared by many. jlcollinsnh is a financial independence blogger. He, and many others, recommend the Vanguard Total Stock Market Index Admiral Shares. I have not heard of a lower expense ratio (0.05%). Search for financial independence and FIRE (Financial Independence Retire Early). Use your windfall to set yourself on that road, and you will be less likely to sit where I am 25 years from now wishing you had done things differently. Edit: Your attitude should be that the earliest money in your portfolio is in there the longest, and earns the most. Starting with a big windfall puts you years ahead of where you'd normally be. If you set your goal to retire at 40, that money will be worth significantly more in 20 years. (4x what you start with, assuming 7% average yearly return).",
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"content": "Extract the prices for each item from the sentence.\n\nThe store is selling oranges for $1.50 per pound and apples for $2.00 per pound.",
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"content": "$1.50/pound, $2.00/pound.",
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"content": "Infer the meaning of the phrase \"it won't fly\".\n\n",
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"content": "The phrase \"it won't fly\" means that a certain idea will not be accepted or approved of by others. It can also be used to describe a situation where an action or behavior is not acceptable.",
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"content": "Write a function to count the occurances of a given character in a string.\n\n",
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"content": "def count_char(string, char):\n count = 0\n for c in string:\n if c == char:\n count += 1\n return count\n\nprint(count_char(\"hello world\", \"l\"))\n\nOutput: 3",
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"content": "Make a list of creative ways to use baking soda.\n\n",
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"content": "- Cleaning agent for tile and counter surfaces\n- Stain remover for dishes, carpets, and fabric\n- Facial and body scrub \n- Natural deodorant \n- Teeth whitener \n- Natural oven cleaner \n- Odor absorber for the refrigerator \n- Tub and sink scrub \n- All purpose household cleaner \n- Hair treatment \n- Used for culinary purposes \n- Insecticide in gardens \n- Fire extinguisher \n- Carpet deodorizer",
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"content": "Generate code to create a new random number every three seconds\n\n",
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"content": "while(true) {\n Random random = new Random();\n System.out.println(random.nextInt());\n Thread.sleep(3000);\n}",
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"content": "Explain the concept of “content curation”\n\n",
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"content": "Content curation involves gathering and organizing data or content from multiple sources in order to provide valuable, relevant, and up-to-date information to an audience. This typically involves discovering, aggregating, and filtering content from a range of sources. Content curation also involves analyzing and building upon existing content and rearranging it into a cohesive structure or narrative.",
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"content": "Is there data and proof that a diversified portfolio can generate higher returns than the S&P 500 Index?\n\n",
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"content": "Yes, a diversified portfolio can generate greater returns than the S&P 500 by going OUTSIDE it. For instance, small stocks (on average) generate higher returns than the \"large caps\" found in the S&P 500. So if you own a diversified portfolio of stocks, some of which are smaller (in market cap) than the typical S&P 500 stock, you have a chance to outperform. You might also outperform by owning other asset classes than stocks such as gold, real estate, and timber (among others) at appropriate times. (You may also be able to get the relevant exposure by owning gold and timber stocks and REITS.) This was a lesson that David Swensen of the Yale endowment taught us.",
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"content": "Explain the difference between a URL and a domain name.\n\n",
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"content": "A URL (Uniform Resource Locator) is the specific address of a website which includes the domain name, the directory, and the file name. A domain name is the website name, such as example.com. The domain name is part of the URL but is not the full URL, as it does not include any specific information about the directory or file.",
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"content": "Resolve the argument between the two given characters.\n\nMelissa and Jake were arguing over whether they should go out to the movies or stay home.",
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"content": "Melissa and Jake were arguing over whether they should go out to the movies or stay home. After much deliberation, they agreed to compromise by renting a movie and eating takeout at home. This way, they could still have a night out at a reasonable cost.",
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"content": "Generate a headline for an article about a new business opening in a small town.\n\n",
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"content": "A New Beginning: Small Town Gets Ready to Welcome New Business and Exciting Opportunities",
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"content": "Explain what a shipping container is\n\n",
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"content": "A shipping container is a container used to transport goods by road, rail, water, or air. Shipping containers come in a variety of sizes and shapes, but are typically large, rectangular-shaped boxes made of steel and designed to be easy to load and stack. Shipping containers are used in the maritime industry for consolidate goods for export to different destinations.",
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"content": "Why is the price of my investment only updated once per day?\n\n",
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"content": "I strongly suggest you go to www.investor.gov as it has excellent information regarding these types of questions. A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt. The combined holdings of the mutual fund are known as its portfolio. Investors buy shares in mutual funds. Each share represents an investor’s part ownership in the fund and the income it generates. When you buy shares of a mutual fund you're buying it at NAV, or net asset value. The NAV is the value of the fund’s assets minus its liabilities. SEC rules require funds to calculate the NAV at least once daily. Different funds may own thousands of different stocks. In order to calculate the NAV, the fund company must value every security it owns. Since each security's valuation is changing throughout the day it's difficult to determine the valuation of the mutual fund except for when the market is closed. Once the market has closed (4pm eastern) and securities are no longer trading, the company must get accurate valuations for every security and perform the valuation calculations and distribute the results to the pricing vendors. This has to be done by 6pm eastern. This is a difficult and, more importantly, a time consuming process to get it done right once per day. Having worked for several fund companies I can tell you there are many days where companies are getting this done at the very last minute. When you place a buy or sell order for a mutual fund it doesn't matter what time you placed it as long as you entered it before 4pm ET. Cutoff times may be earlier depending on who you're placing the order with. If companies had to price their funds more frequently, they would undoubtedly raise their fees.",
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"content": "What happens to my savings if my country defaults or restructures its debt?\n\n",
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"content": "First question: Any, probably all, of the above. Second question: The risk is that the currency will become worth less, or even worthless. Most will resort to the printing press (inflation) which will tank the currency's purchasing power. A different currency will have the same problem, but possibly less so than yours. Real estate is a good deal. So are eggs, if you were to ask a Weimar Germany farmer. People will always need food and shelter.",
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"content": "Find the closest strings from a set of given strings.\n\nSet of Strings: [“the cat sat on the mat”, “the cat smiled at me”, “the dog barked loudly”, “the cat meowed”, “the dog ran around the park”] \nQuery: the cat",
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"content": "Closest Strings: “the cat sat on the mat”, “the cat smiled at me”, “the cat meowed”",
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"content": "Give four examples of how tehnology can help to improve healthcare.\n\n",
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"content": "1. Telemedicine: This technology allows doctors to remotely interact with patients which can reduce travel time and provide quick access to medical professionals. \n2. Electronic Health Records (EHRs): These systems allow healthcare providers to keep track of patient information more accurately and effectively. \n3. Medical Robotics: This technology can be used to improve the accuracy and efficiency of surgical operations. \n4. AI-enabled Diagnostics: AI can automate routine diagnostic tests and provide more personalized treatments.",
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"content": "List five desserts that are easy to make.\n\n",
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"content": "- Chocolate Chip Cookies \n- Fruit Cobbler \n- Brownies\n- Pudding \n- Ice Cream Sundaes",
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"content": "Create an original joke using the following words: nun, pizza and bed\n\n",
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"content": "Why did the nun hide her pizza under the bed? So that the vow of poverty wouldn't be broken!",
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"content": "How to bet against IPOs?\n\n",
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"content": "There are 2 primary ways to bet against a stock if you think it will decline. The first is to short sell shares of that stock the second is to buy put options (I would also add that selling naked call options would also be a bet against but I don't believe that is as common as the other 2 mentioned methods). The problem with short selling an IPO is that you first have to borrow the shares you are going to sell. Since the shares are privately held prior to the IPO that can be problematic. Even after the IPO you may have to wait a bit before shares become available to borrow. The problem with options (either buying puts or seeking naked calls) is similar. Options are traded on a different exchange than the stock and they have their own requirements that a stock must meet to have options traded. Both of these problems eventually correct themselves however, not in time for you to catch the initial fall you seem to be looking for.",
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"content": "Does FIFO cost basis applies across multiple accounts?\n\n",
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"content": "You decide on a cost bases attribution yourself, per transaction (except for averaging for mutual funds, which if I remember correctly applies to all the positions). It is not a decision your broker makes. Broker only needs to know what you've decided to report it to the IRS on 1099, but if the broker reported wrong basis (because you didn't update your account settings properly, or for whatever else reason) you can always correct it on form 8949 (columns f/g).",
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"content": "what is the meaning of allowing FDI in Insurance and pension funds\n\n",
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"content": "Insurance in India is offered by Private companies as well [ICICI, Maxbupa, SBI, Max and tons of other companies]. These are priavte companies, as Insurance sectors one has to look for long term stability, not everyone can just open an Insurance company, there are certain capital requirements. Initially the shareholding pattern was that Indian company should have a majority shareholding, any foreign company can have only 26% share's. This limit has now been extended to 49%, so while the control of the private insurance company will still be with Indian's the foreign companies can invest upto 49%. It's a economic policy decission and the outcome whether positive or negative will be known after 10 years of implemenation :) Pro's: - Brings more funds into the Insurance segment, there by bringing strength to the company - Better global practise on risk & data modelling may reduce premium for most - Innovation in product offering - More Foreign Exchange for country that is badly needed. Con's: - The Global companies may hike premium to make more profits. - They may come up with complex products that common man will not understand and will lead to loss - They may take back money anytime as they are here for profit and not for cause. Pension today is offered only by Government Companies. There is a move to allow private companies to offer pension. Today life insurance companies can launch Pension schemes, however on maturity the annuity amount needs to be invested into LIC to get an annuity [monthly pension].",
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"content": "Given two people, generate a comparative evaluation of their performances.\n\nPerson A and Person B",
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"content": "Person A is highly motivated and puts in a lot of effort in their work. They are also dedicated and able to finish tasks with great accuracy. On the other hand, Person B is more of a big-picture thinker and is better at planning and strategizing. They usually come up with innovative ideas that are effective. Both are excellent employees and it is difficult to say which one is better.",
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"content": "In 1 sentence, describe 'X' in a realistic and captivating manner.\n\nX: A historic town",
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"content": "Nestled amongst the rolling hills and quaint cobblestone streets, this historic town is a timeless testament to the past.",
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"content": "Create a list of 4 adjectives that describe a flower\n\n",
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"content": "Delicate, colorful, fragrant, beautiful.",
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"content": "Give two possible definitions for this phrase.\n\nLove at first sight",
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"content": "1. The feeling of intense attraction and adoration for someone the moment you lay eyes on them.\n2. The romantic notion that two people are instantly connected the moment they meet, making them fall deeply in love.",
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"content": "What happens to my position if I hold some stocks of a company that gets acquired?\n\n",
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"content": "The stockholders of company A vote to approve or disapprove the buy out. That is the only control you have on the price: Vote to approve or disapprove. If the deal is approved then you get the money, or stock in B, or both, in accordance with the terms of the deal. It will arrive into your account automatically.",
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"content": "Paraphrase the sentence: \"The sun is a star.\"\n\n",
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"content": "The celestial body we see in the sky during the day is the same type of object that we call a star.",
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"content": "Edit and improve the given sentence making sure that you maintain the same meaning.\n\nIt have been raining hard all day.",
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"content": "It has been raining hard all day.",
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"content": "Describe what happens during the process of photosynthesis.\n\n",
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"content": "During photosynthesis, plants use sunlight and carbon dioxide to create glucose and oxygen. The sunlight is used to break down the water molecules and the carbon dioxide. This process creates the glucose which is used for energy by the plant, and the oxygen is released into the atmosphere. This process is essential for the sustenance of life on earth.",
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"content": "Got charged ridiculous amount for doctor's walk in visit. What are my options?\n\n",
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"content": "You will often receive a lower bill if you simply wait for a second or third billing statement. I was once given the advice to never pay a medical bill until after they had sent three notices, because they will almost certainly reduce the amount due. Sounds crazy, right? I have excellent credit, so the idea of risking it by ignoring bills disturbed me greatly, and I scoffed at the advice. I then had a similar experience to you, and decided to take the advice. By the third statement, the bill was reduced to less than half of the original, with zero intervention on my part. I then paid it without any impact to my credit whatsoever. I've since done that every time I receive healthcare services, and the bill is always reduced on subsequent statements, generally to less than half of the original bill. Sometimes it's because insurance finally got around to paying. Sometimes a credit is mysteriously added. Sometimes line items disappear without explanation. (Line items sometimes appear over time, too, but the overall balance generally goes down.) I don't know the reason for it, but it works. This has happened with a variety of providers, so it's not just one company that does it. Granted, I never called to negotiate the price, so I can't say if I would've gotten a better deal by doing that. I like it because it requires no time or effort on my part, and it has greatly reduced my medical bills with zero impact to my credit. I only have personal anecdotes to back it up, but it's worked for me.",
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"content": "Combining the 2 passages, create a new story\n\nPassage 1: Sarah was walking home from school when she heard a loud tapping sound nearby.\n\nPassage 2: She looked over to see a tall tree with a large bird perched atop it, beating its wings in the wind.",
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"content": "Sarah was walking home from school when she heard a loud tapping sound nearby. She looked over to see a tall tree with a large bird perched atop it, beating its wings in the wind. She stopped and stared in awe, mesmerized by its grace and beauty. It seemed to be beckoning her closer with its majestic wings, as if it was offering her a secret message. Taking a deep breath, Sarah felt a wave of peace wash over her and she knew she must be brave and follow the bird in search of something extraordinary. With a newfound courage and determination, Sarah continued her journey inspired by the majestic creature atop the tree.",
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"content": "What type of triangle is an equilateral triangle?\n\n",
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"content": "An equilateral triangle is a type of triangle with all three sides of equal length.",
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"content": "Provide a review for an Italian restaurant located in the city.\n\nName of the Italian restaurant: 'Giorno's'.",
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"content": "Giorno's is a wonderful Italian restaurant located in the city. The atmosphere is cozy and inviting, with a warm and inviting service staff. The food is freshly prepared and always delicious. The menu offers a wide range of Italian dishes and they always seem to hit the spot! My favorite dish that I have sampled so far is the Pizza Margherita. It is perfectly cooked with crispy cheese and a fantastic tomato sauce. I highly recommend Giorno's to anyone looking for a tasty Italian treat!",
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"content": "Explain what an AI-driven chatbot is\n\n",
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"content": "An AI-driven chatbot is a computer program that is powered by artificial intelligence and used to interact with a user through conversation. AI-driven chatbots are designed to understand natural language, respond to questions and commands, and provide customer service. AI-driven chatbots are becoming increasingly common, as they can provide a more interactive customer experience and help businesses reduce costs associated with providing customer service.",
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"content": "What is the scientific definition of metabolism?\n\n",
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"content": "Metabolism is the set of life-sustaining chemical processes that occur within a living organism. These biochemical processes allow organisms to grow, reproduce, and respond to their environment. Metabolism requires energy and can be divided into two categories: catabolism and anabolism. Catabolism breaks down molecules into smaller components and releases energy, while anabolism combines molecules to form larger components and consumes energy.",
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"content": "Design a classification algorithm to detect a message as spam or ham.\n\n",
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"content": "The algorithm should first check the content of a message for any offensive or inappropriate language, or for language related to financial, legal or health advice. If the message contains any of this, it should be classified as spam. The algorithm can also use common spam signal words such as 'offer', 'discount', and 'free' to classify a message as spam. In addition, the algorithm should check for abnormal syntax and long URLs, as these are also common features of spam messages. Finally, the algorithm should check for discrepancies between the sender address, reply-to address, and the content of the message, to determine whether it is legitimate or not.",
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"content": "Arrange the following sentences (1 to 5) into a logical structure\n\n(1) The car was then shipped to America. (2) The car parts were made in Japan. (3) It was designed in Italy. (4) The car was assembled at a factory in Germany. (5) A new sports car was released.",
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"content": "A new sports car was released, designed in Italy, and had its parts made in Japan. The car was then assembled at a factory in Germany before being shipped to America.",
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"content": "List the five most important things to remember when writing an essay.\n\n",
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"content": "1. Write a clear thesis statement.\n2. Structure your essay logically. \n3. Use evidence from reliable sources to support your arguments. \n4. Do not make unnecessary logical jumps. \n5. Proofread and edit your work.",
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"content": "Write an addition to the following sentence: \"I like to eat...\"\n\n",
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"content": "I like to eat ice cream, pizza, and pasta.",
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"content": "Analyze the problem presented in the following statement:\n\nPoor patient outcomes stem from improper medical care",
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"content": "The statement suggests that inadequate medical care is the cause of poor patient outcomes. This could be due to an inadequate number of medical professionals, lack of access to treatment, inadequate training of medical professionals, or lack of funding for medical services. The root cause of this problem must be identified in order to decrease the number of poor patient outcomes. Potential solutions could include increased regulation of medical care, increased funding for medical services, or improved training for medical professionals. Ultimately, the goal would be to increase the quality of medical care to improve patient outcomes.",
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"content": "Name five prime ministers of India.\n\n",
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"content": "1. Narendra Modi \n2. Manmohan Singh \n3. Atal Bihari Vajpayee \n4. Indira Gandhi \n5. Morarji Desai",
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{
"content": "Analyze a given sound wave.\n\nSound wave of the ocean",
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"content": "The sound wave of the ocean contains frequencies ranging from 20Hz to 20kHz with different amplitudes. The low frequency sound waves have a longer wave length and have more energy, while the higher frequency sound waves have a shorter wave length and less energy.",
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{
"content": "Categorize the following text according to the topics \"sports\", \"food\", or \"movies\".\n\nLeBron James is aiming for his fourth championship title.",
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{
"content": "Sports",
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[
{
"content": "Generate an acronym from the following phrase.\n\nFrequency Intensified Orthogonal Polarizing Adaptive",
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{
"content": "FIOPA",
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{
"content": "Retirement Options for Income\n\n",
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"content": "I agree that you should CONSIDER a shares based dividend income SIPP, however unless you've done self executed trading before, enough to understand and be comfortable with it and know what you're getting into, I would strongly suggest that as you are now near retirement, you have to appreciate that as well as the usual risks associated with markets and their constituent stocks and shares going down as well as up, there is an additional risk that you will achieve sub optimal performance because you are new to the game. I took up self executed trading in 2008 (oh yes, what a great time to learn) and whilst I might have chosen a better time to get into it, and despite being quite successful over all, I have to say it's the hardest thing I've ever done! The biggest reason it'll be hard is emotionally, because this pension pot is all the money you've got to live off until you die right? So, even though you may choose safe quality stocks, when the world economy goes wrong it goes wrong, and your pension pot will still plummet, somewhat at least. Unless you \"beat the market\", something you should not expect to do if you haven't done it before, taking the rather abysmal FTSE100 as a benchmark (all quality stocks, right? LOL) from last Aprils highs to this months lows, and projecting that performance forwards to the end of March, assuming you get reasonable dividends and draw out £1000 per month, your pot could be worth £164K after one year. Where as with normal / stable / long term market performance (i.e. no horrible devaluation of the market) it could be worth £198K! Going forwards from those 2 hypothetical positions, assuming total market stability for the rest of your life and the same reasonable dividend payouts, this one year of devaluation at the start of your pensions life is enough to reduce the time your pension pot can afford to pay out £1000 per month from 36 years to 24 years. Even if every year after that devaluation is an extra 1% higher return it could still only improve to 30 years. Normally of course, any stocks and shares investment is a long term investment and long term the income should be good, but pensions usually diversify into less and less risky investments as they get close to maturity, holding a certain amount of cash and bonds as well, so in my view a SIPP with stocks and shares should be AT MOST just a part of your strategy, and if you can't watch your pension pot payout term shrink from 26 years to 24 years hold your nerve, then maybe a SIPP with stocks and shares should be a smaller part! When you're dependent on your SIPP for income a market crash could cause you to make bad decisions and lose even more income. All that said now, even with all the new taxes and loss of tax deductible costs, etc, I think your property idea might not be a bad one. It's just diversification at the end of the day, and that's rarely a bad thing. I really DON'T think you should consider it to be a magic bullet though, it's not impossible to get a 10% yield from a property, but usually you won't. I assume you've never done buy to let before, so I would encourage you to set up a spread sheet and model it carefully. If you are realistic then you should find that you have to find really REALLY exceptional properties to get that sort of return, and you won't find them all the time. When you do your spread sheet, make sure you take into account all the one off buying costs, build a ledger effectively, so that you can plot all your costs, income and on going balance, and then see what payouts your model can afford over a reasonable number of years (say 10). Take the sum of those payouts and compare them against the sum you put in to find the whole thing. You must include budget for periodic minor and less frequent larger renovations (your tenants WON'T respect your property like you would, I promise you), land lord insurance (don't omit it unless you maintain capability to access a decent reserve (at least 10-20K say, I mean it, it's happened to me, it cost me 10K once to fix up a place after the damage and negligence of a tenant, and it definitely could have been worse) but I don't really recommend you insuring yourself like this, and taking on the inherent risk), budget for plumber and electrician call out, or for appropriate schemes which include boiler maintenance, etc (basically more insurance). Also consider estate agent fees, which will be either finders fees and/or 10% management fees if you don't manage them yourself. If you manage it yourself, fine, but consider the possibility that at some point someone might have to do that for you... either temporarily or permanently. Budget for a couple of months of vacancy every couple of years is probably prudent. Don't forget you have to pay utilities and council tax when its vacant. For leaseholds don't forget ground rent. You can get a better return on investment by taking out a mortgage (because you make money out of the underlying ROI and the mortgage APR) (this is usually the only way you can approach 10% yield) but don't forget to include the cost of mortgage fees, valuation fees, legal fees, etc, every 2 years (or however long)... and repeat your model to make sure it is viable when interest rates go up a few percent.",
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{
"content": "What has been the impact of blockchain technology on the finance industry?\n\n",
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{
"content": "The impact of blockchain technology on the finance industry has been significant. Blockchain technology provides a secure and efficient way to track transactions, reduce paperwork and fees, and improve the accuracy and speed of financial transactions. Additionally, blockchain technology can help reduce fraud and increase transparency, as well as reduce operational costs.",
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{
"content": "where to get stock price forecast\n\n",
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{
"content": "I believe you are looking for price forecasts from analysts. Yahoo provides info in the analyst opinions section: here is an example for Apple the price targets are located in the \"Price Target Summary\" section.",
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{
"content": "Give an example of a non-material object.\n\n",
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{
"content": "An example of a non-material object is an idea.",
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{
"content": "Generate a fake username using 5 characters long.\n\n",
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{
"content": "ubxtu.",
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[
{
"content": "Identify which type of sentence this is: \"John walked to the store.\"\n\n",
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{
"content": "This is a declarative sentence.",
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] |
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{
"content": "Draft an introduction to an article about the impact of climate change.\n\n",
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{
"content": "Climate change is an ongoing global threat that needs attention now. Its effects on the environment, economy, and human health are becoming more evident each day, with far-reaching implications for generations to come.",
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[
{
"content": "In what state should I register my web-based LLC?\n\n",
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{
"content": "Is it really necessary? If $800 / year registration fee is too much to you, an LLC is apparently not something you need right now. Many people conduct web-based business online on personal terms. My suggestion is that you focus on your business first and try to grow it as much as you can before you get down to a company.",
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[
{
"content": "Please explain in three sentences how a GPS navigation system works.\n\n",
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{
"content": "A GPS navigation system uses satellites to detect its location. The GPS receiver sends signals to the satellite which then send signals back containing information about the receiver's location, speed, and direction. This data is then used to calculate the distance to other points, enabling the user to receive directions and a map with the location of their destination.",
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{
"content": "Why does Charles Schwab have a Mandatory Settlement Period after selling stocks?\n\n",
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{
"content": "That is the standard set by most securities exchanges: T+3 : trades complete three days after the bargain has been struck.",
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{
"content": "Does SIPC protect securities purchased in foreign exchanges?\n\n",
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"content": "I have received a response from SIPC, confirming littleadv's answer: For a brief background, the protections available under the Securities Investor Protection Act (\"SIPA\"), are only available in the context of a liquidation proceeding of a SIPC member broker-dealer and relate to the \"custody\" of securities and related cash at the SIPC member broker-dealer. Thus, if a SIPC member broker-dealer were to fail at a time when a customer had securities and/or cash in the custody of the SIPC member broker-dealer, in most instances it would be SIPC's obligation to restore those securities and cash to the customer, within statutory limits. That does not mean, however, that the customer would necessarily receive the original value of his or her purchase. Rather, the customer receives the security itself and/or the value of the customer's account as of the day that the liquidation commenced. SIPC does not protect against the decline in value of any security. In a liquidation proceeding under the SIPA, SIPC may advance up to $500,000 per customer (including a $250,000 limit on cash in the account). Please note that this protection only applies to the extent that you entrust cash or securities to a U.S. SIPC member. Foreign broker dealer subsidiaries are not SIPC members. However, to the extent that any assets, including foreign securities, are being held by the U.S. broker dealer, the assets are protected by SIPC. Stocks listed on the LSE are protected by SIPC to the extent they are held with a SIPC member broker dealer, up to the statutory limit of $500,000 per customer. As I mentioned in the comments, in the case of IB, indeed they have a foreign subsidiary, which is why SIPC does not cover it (rather they are insured by Lloyds of London for such cases).",
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[
{
"content": "Explain the affect of global warming on the Arctic region.\n\n",
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{
"content": "Global warming has had a significant impact on the Arctic region, resulting in melting glaciers and sea ice, rising sea levels, and changes in weather patterns and wildlife habitats. Warmer temperatures are causing permafrost to thaw, releasing greenhouse gases that further contribute to global warming. Additionally, warmer temperatures have led to decreases in snow and ice cover, further exacerbating the effects of climate change on the Arctic region.",
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{
"content": "Give a brief summary of an upcoming movie.\n\nMinari | Written and directed by | Lee Isaac Chung",
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"content": "Minari, written and directed by Lee Isaac Chung, tells the story of a Korean American family who move to rural Arkansas to start a farm and chase the American Dream. Through the challenges they face in their new environment, the family discovers the strength and resilience of their bonds and their own identity.",
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{
"content": "Why does Yahoo Finance and Google Finance not match historical prices?\n\n",
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"content": "The difference is that Yahoo is showing the unadjusted price that the security traded for on that date, while google is adjusting for price splits. This means that Google is showing how much you would have had to pay to get what is now one share. Since 1979, JNJ has split 3-for-1 once, and 2-for-1 four times. 3x2x2x2x2 = 48. If you bought 1 share at that time, you would now have 48 shares today. Yahoo is showing a price of $66 for what was then 1 share. $66/48 = 1.375, which Google rounds to 1.38. You can see this if you get the prices from May 14-21, 1981. The stock split 3-for-1, and the price dropped from 108 to 36.38. Yahoo's adjusted close column has not been accurate since they re-wrote the Finance website. It now just represents the closing price. The other relevant field on Yahoo is the Adj. Close. This adjusts for splits, but also adjusts for dividends. Hence why this doesn't match either the Google or Yahoo numbers.",
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[
{
"content": "What is the most common emergency procedure during a fire?\n\n",
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{
"content": "The most common emergency procedure during a fire is to evacuate the building and call 911. Everyone should exit the building as quickly and calmly as possible, making sure all doors and windows are closed so the fire does not spread. Additionally, everyone should stay low to the ground (crawl if possible) to avoid smoke and heat. Once outside, people should move to a safe distance from the building and call 911 to alert the fire department.",
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{
"content": "Convert the descripion of the following animal into a sentence\n\nDescription: A large grey cat with stripes.",
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{
"content": "The animal is a large, grey cat with stripes.",
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[
{
"content": "Point out the differences between blue whales and belugas\n\n",
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"content": "Blue whales are the largest species of whale and grow up to 30 meters in length. They have a long, streamlined body and the lower jaw is usually pale gray or white. Belugas are smaller than blue whales and grow up to 5-6 meters in length. They have a small, bulbous forehead and a distinctive white coloration. Belugas also have a more varied diet. In comparison, blue whales feed primarily on krill.",
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[
{
"content": "Imagine that you are a detective, generate the question you would ask a witness in order to get the answer you need.\n\n",
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{
"content": "What can you tell me about the person you saw leave the scene?",
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{
"content": "Determine if the following conflict is internal or external.\n\nJohn is struggling to decide between two career paths.",
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{
"content": "This is an internal conflict.",
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{
"content": "What should I do with my money?\n\n",
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{
"content": "If you are in an economy which has a decent liquid debt market (corporate bonds, etc.), then you may look into investing in AA or AA+ rated bonds. They can provide higher returns than bank deposits and are virtually risk-free. (Though in severe economic downturns, you can see defaults in even very high-rated bonds, leading to partial or complete loss of value however, this is statistically quite rare). You can make this investment through a debt mutual fund but please make sure that you read through the offer document carefully to understand the investment style of the mutual fund and their expense ratio (which directly affect your returns). In any case, it is always recommended to reach out to an investment adviser who is good with local tax laws to minimize taxes and maximize returns.",
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[
{
"content": "If there's no volume discount, does buying in bulk still make sense?\n\n",
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{
"content": "Let me add a counterpoint. I don't know about you, but for some psychological reason, when I know I have an abundance of something I tend to be less frugal about the way I consume it. For example: When there is a six pack of cokes in the fridge I feel like I am more prone to not drink them up so quickly so I have some for later on. However, if I knew I had 3 more cases in the pantry, I seem to go through a lot more of them.",
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[
{
"content": "Compare the health benefits of kiwi and mango.\n\n",
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{
"content": "Kiwi and mango both provide valuable health benefits. Kiwi is a great source of dietary fiber, vitamin C, and vitamin K. It also contains antioxidants and minerals, including potassium and copper. Mango is an excellent source of beta carotene, vitamin C, and vitamin A. It also contains copper, potassium, and magnesium. Both fruits are also low in calories and fat.",
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[
{
"content": "Construct a three-dimensional figure\n\n",
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"content": "A three-dimensional figure can be constructed with three points connected together. For example, three points can be connected to create a triangular pyramid.",
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[
{
"content": "Tell me about a unique painting by Salvador Dali\n\n",
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"content": "Salvador Dali is known for his unique surrealist paintings, some of which depict strange dreamscapes and dreamlike figures. One of his most iconic and unique works is The Persistence of Memory, which was painted in 1931. This painting is physically composed of soft, melting pocket watches, average objects, an ant, and a human figure all against a barren landscape, which symbolizes the transience of time and the struggle of man against the unstoppable march of time towards death. This painting is one of the most recognizable artworks of the twentieth century and has been widely reproduced in many forms.",
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[
{
"content": "Compare the independence of two countries.\n\nUSA and Canada",
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{
"content": "The United States and Canada are both independent countries but the US has more political power and economic autonomy than Canada.",
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{
"content": "Write a blog post about the benefits of using a virtual assistant\n\n",
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{
"content": "In recent years, virtual assistants have become increasingly popular as businesses look to streamline their workflow and reduce costs. A virtual assistant (VA) is an online worker who can handle a variety of tasks for a client, such as customer service, data entry, writing, and more. With a VA, businesses can get work done quickly and efficiently without having to hire more full-time staff. Here are just a few of the benefits of using a virtual assistant.\n\n1. Cost Savings: One of the biggest advantages of using a VA is the cost savings. It is much more cost-effective to hire a VA than a full-time employee or contract worker. With a VA, businesses do not have to pay for extra staff, health benefits, and other extra costs associated with hiring a full-time employee.\n\n2. Access to Expertise: VAs often specialize in a certain area, such as writing, customer service, or data entry. This can be beneficial for businesses when they need to hire someone with a particular skill set. Instead of spending time and resources training a new employee, they can simply hire a VA who already has the expertise they need. \n\n3. Flexible Hours: VAs can often offer flexible hours and be available when their clients need them. This can help businesses save time and money when they need something done quickly. \n\n4. Automation: Many of the tasks a VA can perform can be automated, allowing them to manage multiple tasks at once. This can be beneficial for businesses that have multiple projects on the go and need help keeping up with all the tasks. \n\nFor businesses, a virtual assistant can be an invaluable resource. They are cost-effective, can offer valuable expertise, have flexible hours, and can provide automation support. If your business is looking for a way to streamline tasks and improve efficiency, look no further than a virtual assistant.",
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{
"content": "Retrieve the noun from the sentence.\n\nApple recently released their new iPhone model.",
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{
"content": "iPhone",
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{
"content": "Come up with a story set in a given time period.\n\nMedieval Europe",
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"content": "Once upon a time, in Medieval Europe, there lived a brave knight, Sir William. He was a great warrior and had a heart of gold, always protecting the innocent and weak, and fighting for justice and honor. During his adventures, he was blessed with many powerful magical weapons to help him in his mission. Sir William fought many battles and vanquished many enemies, all while keeping his morality and compassion. In the end, he was victorious, and all throughout the kingdom, he was remembered as the noble knight who brought justice and peace to his people.",
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[
{
"content": "What is the meaning of “quid pro quo\"?\n\n",
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{
"content": "Quid pro quo is a Latin phrase that refers to an equal exchange - something given in exchange for something else, often with a favour expected in return. It is commonly used to refer to a situation in which an action or item of value is exchanged for another action or item of value.",
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{
"content": "Create a general plan for a picnic in a park.\n\n",
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"content": "A picnic in a park should include a cooler or basket with ready-to-eat food or food that can be cooked on a grill, a blanket or chairs to sit on, some type of entertainment like a ball or Frisbee, a waste disposal plan, insect repellent, sunscreen, and additional items such as camping gear, blankets, towels, etc. depending on the park and duration of the picnic.",
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{
"content": "Compose an essay from the given statement.\n\nThe importance of music education in our lives.",
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"content": "Music is one of the most important aspects of our lives. It is a form of communication, an expression of emotions, and a source of knowledge. Music education is essential in helping students to become more creative, find their identity, and learn more about the world around them. \n\nFirst of all, music education encourages creativity. This is especially relevant in today’s world where technology dominates most aspects of communication. Creative music activities and improvisation help to foster the necessary skills that a student needs to utilize today's technological capabilities in different ways. Ideas are expressed through composition, improvisation and performance of music, which forms a creative outlet for students to let go of things they are not able to express in more traditional forms.\n\nFurthermore, music education helps to strengthen identity and build confidence. Playing music allows for students to develop their own unique style of self-expression, which fosters an understanding of one's own identity. This helps them to recognize their uniqueness, which is essential in order to develop a strong sense of self-confidence. The sense of accomplishment from learning a new instrument or perfecting a piece of music can be highly rewarding for the student and can go a long way in building self-esteem and self-motivation. \n\nFinally, music education helps to educate students about other cultures and the world. By learning and performing pieces from other cultures, students learn about different nuances of sound and rhythm that they wouldn't otherwise hear. For example, learning a piece of music from India will open the student to new ideas of rhythm and scale that they never encountered before. They can gain insight into a culture they are not already familiar with and expand their world view. \n\nAll in all, music education is an essential part of a student's overall educational experience. It offers them the opportunity to learn, create and express themselves, while also providing a platform to build identity, confidence and cultural awareness. Music education is essential in today's world, as it gives students the opportunity to explore their talents and help them grow as confident individuals.",
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{
"content": "Is there a good tool to view a stock portfolio's value as a graph?\n\n",
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"content": "I have no idea if Wikivest can handle options, but I've been pretty satisfied with it as a portfolio visualization tool. It links automatically with many brokerage accounts, and has breakdowns by both portfolio and individual investment levels.",
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{
"content": "Which type of intelligence does this phrase describe?\n\nI can easily solve complex math problems.",
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},
{
"content": "This phrase describes mathematical intelligence.",
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] |
[
{
"content": "Buying insurance (extended warranty or guarantee) on everyday goods / appliances?\n\n",
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"content": "I decline politely. The cost of the insurance policy has two components: The actual cost of a likely repair + profit. If I set aside the cost of a likely repair myself, then I get to keep the profit. If the item doesn't break, I get to keep the \"repair\" money too :)",
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[
{
"content": "Find the area of a rectangle given the following lengths.\n\nLength = 10 cm, Width = 5 cm",
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"content": "The area of the rectangle is 50 cm2.",
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{
"content": "Describe a scenario in which artificial intelligence might cause or contribute to an ethical problem.\n\n",
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"content": "One potential scenario is the misuse of user data by organizations and companies. Artificial intelligence algorithms can quickly process large amounts of data, but without proper security protocols and regulations in place, there is a risk of data being used by ill-intentioned actors for malicious purposes. Unregulated use of data can infringe on user privacy and lead to unintended consequences over time.",
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[
{
"content": "Generate five words related to technology.\n\n",
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},
{
"content": "Computer, software, network, coding, robotics.",
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{
"content": "Write a C++ program that prints \"Hello World!\"\n\n",
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"content": "#include <iostream>\n \nint main() {\n std::cout << \"Hello World!\" << std::endl;\n return 0;\n}",
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{
"content": "Identify which type of writing the following sentence belongs to\n\nThe sunset in Mumbai is breathtaking.",
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{
"content": "Descriptive",
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{
"content": "Provide a list of recommendations for reducing emissions from transportation.\n\n",
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"content": "Here are some recommendations for reducing emissions from transportation: \n1. Increase the efficiency of vehicles by opting for hybrids and electric vehicles. \n2. Promote use of public transportation, such as buses and trains.\n3. Utilize carpooling and ridesharing services.\n4. Implement incentives to encourage walking and biking.\n5. Optimize traffic with data-driven solutions. \n6. Increase investment in clean transportation technologies. \n7. Establish guidelines for low-emission zones.\n8. Develop infrastructure for other types of vessels, such as electric ships and hydrogen-powered planes.",
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{
"content": "Tell a story about a cat who loves adventure.\n\n",
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"content": "Once upon a time, there was a little black cat named Midnight who loved nothing more than adventure. Every day, Midnight would wander around the neighborhood, finding new places to explore and new people to meet. One day, Midnight stumbled upon an old abandoned barn at the edge of town. Intrigued, Midnight started to explore the barn, and soon found a secret passageway leading to a mysterious land beyond. Midnight was determined to find out what lay beyond the old barn, and so every night he sneaked out of the house and ventured deeper into the unknown. Amazingly, he found himself in a vast and magical kingdom full of wonders, where he made many new friends and went on grand adventures. Midnight loved exploring this secret kingdom, and eventually came to call it home. Midnight still travels the world, seeking out new experiences and stories, but he never forgets the wonderful adventures he had in his secret kingdom.",
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{
"content": "Identify and explain the premise of this song.\n\n\"Walking on Broken Glass\" by Annie Lennox",
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"content": "The premise of \"Walking on Broken Glass\" is about a lost and painful love. The song talks about how it can be difficult at times to look past the pain of a failed relationship, and how the narrator has to find their way through the fractured remains. It is a tale of trying to move on and reclaim your life and self-worth.",
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{
"content": "Is there an advantage to a traditional but non-deductable IRA over a taxable account? [duplicate]\n\n",
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"content": "This is ideal placement for your allocation to income investments or those with nonqualified dividends: bonds, REITS, MLPS, other partnerships, and so forth. These are all taxed at income rate, generally throw off more income than capital gains, so you get the deferment without losing the cap gains rate.",
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{
"content": "Why buy bonds in a no-arbitrage market?\n\n",
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},
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"content": "If by \"putting money in the bank\" you mean regular savings or checking, then the bond locks a rate for a period of time, whereas your savings/checking rate can vary over that period. That variation might go for you or against you. Depending on your situation, you might prefer to take a determined rate to the variations. In addition, some bond types provide tax benefits (e.g. treasuries and municipal bonds) that change the effective return - You cannot just compare the interest rates. Finally, the bonds have \"resale\" value on the secondary market like stock - Depending on your outlook and strategy, you might by the bond for its value as a security rather than for the interest specifically just like you'd could buy a dividend-paying stock for its value as a security rather than for the dividend. In other words, you might think that bond values are going up, so you buy bonds with the intent of making a capital gain rather than counting on the interest returned. (The bond market does depend on the interest rate, so these are not independent factors.) I see the other answer that mentions the potential for your bank busting and you losing money beyond the FDIC insurance limit. The question doesn't specify U.S. Government bonds though, so I don't think that answer is generally good. It would be good in the case that you had a lot of money (especially an institution or foreign government) and you were specifically interested in U.S. Treasury bonds. Not so much if you invest in corporate bonds where you have no government insurance / assurance of any sort. Municipal bounds are also not backed by the U.S. (federal) government, but they may have some backing at the state level, depending on the state.",
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[
{
"content": "What's the purpose of having separate checking and savings accounts?\n\n",
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"content": "If your debit card/ATM card is stolen or lost, someone else might be able to withdraw money from the checking account that it is tied to, or buy things with the card and have the money taken out of the checking account to pay the merchant. Subject to daily withdrawal limits imposed by your bank, a considerable amount of money could be lost in this way. At least in the US, debit or ATM cards, although they are often branded Mastercard or Visa, do not provide the same level of protection as credit cards for which the liability is limited to $50 until the card is reported as lost or stolen and $0 thereafter. Note also that the money in your savings account is safe, unless you have chosen an automatic overdraft protection feature that automatically transfers money from your savings account into the checking account to cover overdrafts. So that is another reason to keep most of your money in the savings account and only enough for immediately foreseeable needs in the checking account (and to think carefully before accepting automatic overdraft protection offers). These days, with mobile banking available via smartphones and the like, transferring money yourself from savings to checking account as needed might be a preferred way of doing things on the go (until the smartphone is stolen!)",
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