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"content": "Based on the input text, write a persuasive argument supporting the idea that \"textbooks should be available for free\".\n\nTextbooks are often expensive and difficult for students to purchase.",
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"content": "Textbooks should be freely available to students because the cost of textbooks puts an undue burden on students, especially those from economically disadvantaged backgrounds. The exorbitant cost of textbooks puts numerous students, who may otherwise perform well academically, in a difficult financial situation. The cost of textbooks can range from a few hundred dollars to upwards of a thousand dollars. These prices are extremely excessive, and with this money students could potentially purchase an entire semester's worth of other necessities, such as food or clothing. All students should be given equal opportunities to succeed and learn, regardless of their financial situation, and making textbooks readily accessible would provide a tremendous opportunity to achieve this goal.",
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"content": "Using Loan to Invest - Paying Monthly Installments by Selling Originally Bought Shares\n\n",
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"content": "The market can stay irrational longer than you can remain solvent -John Maynard Keynes The stocks could stagnate and trade in a thin range, or decline in value. You assume that your stocks will offer you ANY positive return for every month over 24 months. Just one month of negative returns puts you underwater. Thats whats wrong with it. Even if you identified any stock that has been up every month for a consecutive 24 months in the past, there is nothing that says it will be so in the future, and a broad market selloff will effect both indexes as well as individual stocks. Literally any adverse macroeconomic event in the next two years will put you underwater on your loan, no matter how much research you do on individual stocks.",
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"content": "Write a touristic description for the given place.\n\nGrand Canyon",
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"content": "The Grand Canyon is a stunning natural wonder located in northern Arizona. With an average of 18 miles in width and 1 mile in depth, it is one of the most impressive landscapes in America. It is home to a variety of plant and animal species and offers endless opportunities for exploration, from hiking and camping to rafting and scenic drives.",
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"content": "Describe the impact of the coronavirus on the economy.\n\n",
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"content": "The coronavirus has had a major impact on the economy, causing disruptions in industries such as tourism, travel, hospitality, retail, and more. These industries have seen sharp decreases in activity, resulting in surging unemployment levels, a weakened stock market, and decreased consumer spending. Business closures have been rampant, and some companies have even been forced to permanently close their doors. As a result, fiscal and monetary policies have been embraced by governments to help stem the economic downturn.",
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"content": "Design the user interface of a mobile app.\n\n",
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"content": "The user interface of the mobile app will be designed with user experience in mind. It will be intuitive in terms of navigation, design, and organization of features. The design will use modern design principles and colors that are easy on the eyes. The app will also be responsive, adjusting to different screen sizes as needed. There should be clear calls to action and easy access to the most important and frequently used features. The interface should also include intuitive animations and visual cues to enhance the user experience.",
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"content": "Generate a scenario in which two opposite sides have to negotiate an agreement.\n\n",
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"content": "Two neighboring countries who have had a long history of conflict and distrust are negotiating the terms of a treaty that would end the tension between them. Both sides have very different interests and competing priorities, and there is a great deal of suspicion between them. The negotiations involve difficult compromises on both sides, as they try to find a balance that will show respect for their respective interests while preserving the peace.",
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"content": "Explain why it is important to have good communication skills.\n\n",
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"content": "Good communication skills are essential for creating successful relationships, whether in personal or professional contexts. They allow you to express complex ideas clearly and effectively, create a mutual understanding between parties, and gain trust and respect. Good communication skills also help foster relationships, encourage collaboration, and resolve conflicts.",
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"content": "Name three key elements of a logo design\n\n",
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"content": "The three key elements of a logo design are: font, colour, and shape.",
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"content": "Which species is the largest bird alive today?\n\n",
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"content": "The African ostrich (Struthio camelus) is the largest bird alive today.",
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"content": "Write a story that takes place in a certain location in 150 words.\n\nLocation: Abandoned Mansion",
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"content": "The abandoned mansion sat atop a hill, its windows and doors boarded up and the paint chipped away. It had been many years since anyone lived in the mansion; no one knew who the inhabitant had been but all agreed that they had left in a hurry.\n\nThe mansion cast an ominous shadow across the landscape, but there was something alluring about it. A young man was irresistibly drawn to the mansion, despite the warnings of his friends. He stepped inside and was instantly enveloped in an eerie atmosphere, like something wasn't quite right.\n\nAs he ventured through the halls of the mansion, he felt as if he were being watched. The further he went, the more he felt he had been there before. He discovered an old diary in the attic – was this his own? He slowly read it and began to piece together why he was so drawn to the mansion.\n\nHe understood now. He looked up as a sadness overcame him and then out into the vast countryside. He glanced back at the mansion one last time, and then walked away, happy that he had found his answers.",
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"content": "Generate a creative title for a paper about the ethical implications of using artificial intelligence for criminal justice.\n\n",
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"content": "The Day the Robots Took Over: A Look at the Ethical Implications of Using AI in the Criminal Justice System.",
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"content": "How do historically low interest rates affect real estate prices?\n\n",
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"content": "Interest rates do generally affect house prices but other factors do too, especially the unemployment rate. However, everything else being equal, when interest rates drop, it makes the borrowing of money cheaper so tends to stimulate the economy and the housing market, increasing the demand for houses and generally causes house prices to increase (especially if the supply of new housing doesn't increase with the demand). When interest rates go up the opposite happens. Usually interest rates go down in order to stimulate a slowing economy and interest rates go up to slow down an overheated economy. Regarding your situation you are able to get a 30 year fixed rate at today’s interest rates (in Australia the longest fixed rate you can get is for 10 years and the rate is usually 1 or 2 percent higher than the standard variable rate. Most people here go for the variable rate or a fixed rate of between 1 to 3 years). This means that even if rates do go up in the future you won't be paying a higher rate, which is a positive for you. You are buying the house to live in so as long as you can keep making the repayments you should not be too worried if the price of the house drops sometime in the future, because if your house has dropped and you want to sell to buy another house to live in, then that house would have also dropped relative to yours (give or take). So your main worry is that rates will go up causing both house prices to fall and unemployment to rise, and you yourself losing your job and eventually your house. It is a risk, but what you need to consider is if you can manage that risk. Firstly, I believe rates won't be going up in the US for a number of years, and if and when they do start going up they will most probably start going up slowly. So you have some time on your side. Secondly, what can you do between now and when interest rates do start going up in a few years: Try to put more saving away to increase your safety net from 6 months to 12 months or more, or make extra repayments into your home loan so that you are ahead if things do go wrong. If you are worried that you could lose your job, what can you do to reduce your chances of losing your job or increasing your chances of getting a new job quickly if you do lose it? Improve your current skills, get new skills, become an invaluable employee, or look at possible opportunities to start your own business. Do your own research on the types of houses you are looking at buying, the more houses you look at the better prepared you will be when the right house at the right price comes along, and the less chance that you will be rushed into buying what might be an overpriced house. So to sum it up; do as much research as you can, have an understanding of what your risks are and how you are going to manage those risks.",
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"content": "Imagine you are the manager of a small cafe. Describe how the cafe should operate.\n\n",
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"content": "The cafe should have a friendly and welcoming atmosphere with comfortable seating and a varied selection of tasty food and drinks. The staff should be attentive and knowledgeable, with a commitment to customer service. We should stay abreast of current trends and provide exciting food options, while remaining within our budget. There should be a balance between profit and customer satisfaction. Food safety should be a high priority, with regular reviews and inspections to ensure the highest quality of service. Additionally, hygiene and cleanliness should be maintained throughout the premises.",
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"content": "Explain the term 'convolutional neural networks'.\n\n",
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"content": "A convolutional neural network (CNN) is a type of artificial neural network that is designed to emulate the visual cortex in humans. CNNs use complex matrix operations to analyze the spatial features of an input image, combining the spatial information with depth information from multiple layers of the network.",
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"content": "Identify the data structure used in this program.\n\nProgram: String matching program",
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"content": "The data structure most likely used in this program is a hash table, as it provides an efficient way to store and retrieve information when the input is a string. It also allows for quick lookup of strings that have similar patterns.",
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"content": "Re-arrange the words to form a complete sentence with a correct grammar.\n\nis government people their power a source in greatest the",
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"content": "The greatest source of power in the people is their government.",
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"content": "Name three famous American work of literature.\n\n",
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"content": "Three famous American works of literature are \"The Great Gatsby\" by F. Scott Fitzgerald, \"To Kill a Mockingbird\" by Harper Lee, and \"The Adventures of Huckleberry Finn\" by Mark Twain.",
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"content": "Create a timeline of the events that led to the given result.\n\nThe rise of eCommerce",
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"content": "- 1993: First eCommerce transaction took place \n- 1995: Amazon and eBay founded \n- 2003: PayPal formed to facilitate online payments \n- 2008: Mobile shopping and technology advancements increase the ease of eCommerce \n- 2011: 5% of global retail sales occur online \n- 2016: Global eCommerce sales surpass $1 trillion",
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"content": "Give me a recommendation for a new novel.\n\n",
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"content": "I suggest you read The Night Circus by Erin Morgenstern. It is an intoxicating tale of love and magic full of dreamlike imagery, breathtaking moments, and unforgettable characters.",
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"content": "Feasibility of using long term pattern on short term investments\n\n",
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"content": "When structures recur at different scales, they're called \"fractals\", and there is something called the \"fractal markets hypothesis\" which attempts to analyse stock market movements as fractals and in terms of (related) chaos theory. Whether you can profit from it I have no idea. If it was easy, everyone would be doing it. Many of the non-academic pages linked in the search results (previous link) remind me of technical analysis/chartist stuff (which - to me - always seems to be a lot better at explaining things after the event than actually predicting things).",
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"content": "Complete a sentence that means the same as the following sentence, but is more concise:\n\nHe had no idea what I was talking about.",
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"content": "He was clueless.",
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"content": "Create a dialogue between two characters, in which one character tries to convince the other to take an action that the other does not want to take.\n\nCharacters: John (a student) and his professor",
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"content": "John: Professor, I'm not sure if I can finish this assignment in time. \nProfessor: John, you need to stop making excuses and focus on the task. You can do this if you apply yourself. \nJohn: But I'm already having trouble with the concepts. \nProfessor: Don't worry. I'm here to help. Let's go over the concepts together and I'm sure you'll be able to finish it with time to spare. Take this assignment seriously and use this as an opportunity to learn and grow. \nJohn: Alright, I'll give it a try.",
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"content": "Compress the following sentence into a shorter sentence without altering the meaning significantly.\n\nWe were obligated to finish the project before the end of the week as our boss had given us this directive.",
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"content": "Our boss ordered us to finish the project by the end of the week.",
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"content": "For this list of adjectives, output a sentence that describes a colorful character\n\nLoud, bubbly, mischievous, brave",
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"content": "The loud and bubbly character was mischievous and brave.",
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"content": "Is it impossible to get a home loan with a poor credit history after a divorce?\n\n",
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"content": "No, it is never impossible to get credit so long as there are no price controls or quotas. In most of the United States, the impetus for housing is so strong that it's one sector of credit that has nearly no price regulation, price in this case being interest rates. Corporate banks will not touch you now because Dodd-Frank now makes them liable to you and investors if you default on the mortgage. Also, Fannie & Freddie, who ultimately finance most mortgages in the US now require banks to buy back loans if they fail, so banks are only financing the most creditworthy. All is not lost because markets are like rivers if not fully dammed: they find a way through. In your case, you can get a fully-financed mortgage if you're willing to pay interest rates probably double what you could otherwise get in the market with good credit. If the foreclosure process is quick and benefits the lender more in your state, the interest rate will be even lower. Your creditors will most likely be individuals you find at mortgage investment clubs and religious institutions. If you shop around, you'll be surprised at how low a rate you might get. Also, since the cost of your prospective home is so low, it's very easy for an investor flush with cash and few investments to take a flier on a mother committed to her children who only needs $50,000. The FHA has been vastly expanded, and since your individual credit is clean, there may be a chance to get financing through it, but be prepared for red tape.",
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"content": "Design a digital photo album for a special occasion.\n\n",
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"content": "The photo album should be interactive and visually appealing, with the ability to add photos, videos, and text captions to a variety of templates. The album should have filter options and adjustable sizes and frames to customize the look of the album. The end product should be easily shareable and exportable in multiple formats to be printed or shared. Additionally, the album should have options to preserve the memories in other forms, such as a video presentation.",
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"content": "Generate a musical chord progression in the key of A-minor.\n\n",
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"content": "A-minor chord progression: A-minor, D-minor, E-diminished, F-major, G-major, A-minor.",
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"content": "Name five things that are made of wood.\n\n",
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"content": "Furniture, doors, cutting boards, picture frames, and musical instruments.",
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"content": "Describe how a computer interprets an assembly language program.\n\n",
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"content": "A computer interprets an assembly language program by converting the assembly language instructions into machine code, which the computer is able to understand and execute directly. This process is known as assembly. Assembly language programs are much simpler to read than machine code, and allow programmers to write more complex code with fewer instructions. Additionally, the exact translation of an assembly language program into machine code is specific to the computer architecture being used.",
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"content": "Confused about employee stock options: How do I afford these?\n\n",
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"content": "I've been offered a package that includes 100k stock options at 5 dollars a share. They vest over 4 years at 25% a year. Does this mean that at the end of the first year, I'm supposed to pay for 25,000 shares? Wouldn't this cost me 125,000 dollars? I don't have this kind of money. At the end of the first year, you will generally have the option to pay for the shares. Yes, this means you have to use your own money. You generally dont have to buy ANY until the whole option vests, after 4 years in your case, at which point you either buy, or you are considered 'vested' (you have equity in the company without buying) or the option expires worthless, with you losing your window to buy into the company. This gives you plenty of opportunity to evaluate the company's growth prospects and viability over this time. Regarding options expiration the contract can have an arbitrarily long expiration date, like 17 years. You not having the money or not isn't a consideration in this matter. Negotiate a higher salary instead. I've told several companies that I don't want their equity despite my interest in their business model and product. YMMV. Also, options can come with tax consequences, or none at all. its not a raw deal but you need to be able to look at it objectively.",
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"content": "Why do investors buy stock that had appreciated?\n\n",
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"content": "A few reasons. First, it's hard to buy a stock that has never gone up, and isn't necessarily wise to do so. Even if you just wait for a stock go down, what if you wait and it goes up two dollars, then drops 10 cents? Has it gone up or down? When should you buy it? In general, your idea is correct, the higher the price the less you should want the stock. But in some sense, the past price is irrelevant, you can't buy it at the past price. You should buy it now if it's the best option now. And that is based on your assessment of whether it's future prospects are worth the current price (and in fact enough worth enough to make buying the stock the best economic decision you can currently make). Finally, the price may have gone up for a reason. The company may have done something, or some information about the company may have become known, that affects it's future prospects. That might make it a better deal, perhaps even better than it was before the price increase.",
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"content": "What type of data is contained in a bar chart?\n\n",
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"content": "A bar chart is a graphical representation of data that displays the numerical information using bars of different heights. The height of each bar represents the quantity assigned to that category.",
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"content": "Is it better to use DRIP or invest when stock drops before ex-date?\n\n",
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"content": "Yes you can do that and it it wise to do so. However, you should make sure that the general trend of the stock is upwards and you buy during a trought in the uptrend. So basically if the stock is making higher highs and higher lows on the daily or weekly charts, then you would want to buy around one of the higher lows before the ex-dividend date. If the stock is making lower lows and lower highs, then it is in a downtrend, so never buy in this instance. It is better to miss out on a dividend of $1 rather than to buy just for this $1 dividend and lose $5 or more when the price continues to drop further.",
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"content": "Generate a conversation between two people discussing the movie Narcos.\n\n",
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"content": "Person 1: Have you seen the show Narcos?\nPerson 2: Yes I have! It's an amazing show, full of great actors, interesting plot and really good acting. What did you think?\nPerson 1: I loved it. The transitions between seasons were seamless and the story kept me on the edge of my seat. I was so invested in the characters, their motives and their arcs as the show went on. I think this show is great for anyone interested in learning about the drug trade without getting immersed in it. \nPerson 2: True. The show also has very complex characters which make it more interesting and intriguing to watch. I can definitely relate to the characters, as well as the moral ambiguity of the story. It was very thought-provoking and captivating!",
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"content": "Brainstorm a creative solution to an environmental problem.\n\n",
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"content": "A creative solution to an environmental problem is to create a program that incentivizes homeowners to invest in solar energy. This could be done on a voluntary basis with incentives such as tax credits or rebates to attract more people to make the switch to clean energy. This program could be administered through the local government or utility companies. Community-based organizations could help spread the word, provide resources, and provide education and support to households looking to make the switch.",
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"content": "Who gets the periodic payments when an equity is sold on an repurchase agreement?\n\n",
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"content": "The Wikipedia page for Repurchase Agreement has two relevant pointers on this topic: The legal title for any securities used in a repo actually pass from seller to buyer during the term of the agreement. In basic terms this means that if one sells a bond on repo with a promise to buy it back, then the ownership actually transfers to the buyer for that period of time. If a coupon is paid during this time period, it can either go to the buyer or the seller. Usually, the coupon payment goes to the initial owner of the security pre-repo (our \"seller\"). But sometimes the repurchase agreement will specify otherwise. So, again in basic terms, usually the repo seller/initial security owner receives any payments made during the term of the repurchase agreement. (Both points are in the first paragraph of the section \"Structure and Terminology\".)",
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"content": "Come up with 3 creative ideas for an experiential marketing campaign\n\n",
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"content": "1. An interactive mobile virtual reality experience that showcases the product in various real-world scenarios.\n2. Designing a 3D installation art piece that will draw crowds and increase customer awareness of the product.\n3. Creating an interactive art display that will feature customers' stories about how the product has improved their lives.",
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"content": "what if a former employer contributes to my 401k in the year following my exit?\n\n",
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"content": "The vast majority of individual taxpayers in the United States operate on a cash basis of accounting. This means that the assignment of deductions or income to tax year is based on the date of the paycheck. So the money in that early January 2016 paycheck has been correctly assigned to the 2016 tax year. This is unfortunate for you because you will receive a W-2 for 2016 showing that you had a retirement account. Knowing exactly how many paychecks there are in a year can be very import to know when trying the reach or avoid some thresholds. Even quitting the previous pay period might not have helped. I have seen some companies payout unused vacation, sick and severance over several paychecks. They didn't give you it all in one lump sum, they did it 80 hours a paycheck until the balance owed to the employee was zero.",
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"content": "Come up with a name for an app for creating digital art.\n\n",
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"content": "Creative Canvas",
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"content": "Create a list of 10 methods to reduce water consumption\n\n",
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"content": "1. Fix any leaking faucets, pipes, and toilets.\n2. Use low-flow shower heads and faucet aerators.\n3. Reuse greywater for other purposes.\n4. Install a water-saving toilet and take shorter showers.\n5. Turn off the tap when brushing your teeth or shaving.\n6. Collect rainwater for watering plants.\n7. Install a timer for watering your garden.\n8. Use rain barrels to collect water from downspouts.\n9. Avoid using water-intensive methods for washing dishes, such as running the dishwasher with a half or full load.\n10. Use a bucket of water instead of the hose to clean your car.",
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"content": "Evaluate the grammar and suggest an improvement to this sentence.\n\nThe store was closed for the owners famliy emergency",
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"content": "The store was closed due to the owner's family emergency.",
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"content": "Given a healthcare dataset, predict the health insurance premium for a given customer.\n\nAge: 45 years old\nGender: Male\nSmoker: No\nIncome: $65,000\nHealth Issues: None",
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"content": "The estimated health insurance premium for a 45-year-old male non-smoker with an income of $65,000 and no health issues would be approximately $386.63 per month.",
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"content": "Summarise key points from the article \"The Future of Artificial Intelligence\"\nhttps://www.britannica-ai.com/future-of-ai/\n\n",
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"content": "The future of artificial intelligence (AI) is optimistic, as advancements in the field have allowed for rapid development of powerful new technologies. AI is expected to be more widespread, accessible, and beneficial than ever before. AI has multiple applications in the fields of healthcare, education, finance, law, ecommerce, transportation, and more. Additionally, the development of powerful new AI tools such as voice-recognition and natural language processing have the potential to revolutionise the way people interact with machines. AI is also expected to have a significant impact in the areas of artificial creativity and autonomous decision-making, allowing for greater flexibility and faster analysis. Finally, AI is expected to be used to tackle numerous complex problems in the areas of climate change, energy consumption, resource management, and healthcare.",
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"content": "Suggest the best way to travel from Bangkok to Ho Chi Minh City\n\n",
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"content": "The best way to travel from Bangkok to Ho Chi Minh City is by air. Flying is the fastest way to travel and there are direct flights available from Bangkok's Suvarnabhumi Airport to Ho Chi Minh City. The flight time is approximately 2 hours and 45 minutes. Airlines such as Thai Airways, Vietjet Air, Vietnam Airlines, Bangkok Airways and Malaysian Airlines operate direct flights between these two cities.",
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"content": "List three interesting facts about Pluto.\n\n",
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"content": "1. Pluto is classified as a dwarf planet and is the most distant planet from the Sun. \n2. Pluto has five known moons: Charon, Hydra, Nix, Kerberos, and Styx. \n3. Pluto's orbit is highly eccentric, meaning its distance from the Sun varies widely over its 248 year orbit.",
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"content": "Generate a story about a musician in less than 40 words.\n\n",
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"content": "Gina was a talented musician with a passion for music. She would spend hours perfecting her craft until she was nearly perfect. She eventually became a successful and celebrated artist and her concerts were always sold out.",
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"content": "List three facts about Thomas Edison.\n\n",
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"content": "Three facts about Thomas Edison include that he was an American inventor and businessman, he developed many devices that greatly influenced life around the world, such as the light bulb and phonograph, and he held more than 1,000 US patents.",
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"content": "If I have no exemptions or deductions, just a simple paycheck, do I HAVE to file taxes?\n\n",
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"content": "As a Canadian resident, the simple answer to your question is \"yes\" Having worked as a tax auditor and as a Certified Financial Planner, you are required to file an income tax return because you have taxable employment income. All the employer is doing is deducting it at source and remitting it on your behalf. That does not alleviate your need to file. In fact, if you don't file you will be subject to a no filing penalty. The one aspect you are missing is that taxpayers may be entitled to tax credits that may result in a refund to you depending on your personal situation (e.g spousal or minor dependents). I hope this helps.",
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"content": "Are 'per trade' fees charged on every order or just once per stock?\n\n",
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{
"content": "The answer, like many answers, is \"it depends\". Specifically, it depends on the broker, and the type of account you have with the broker. Most brokers will charge you once per transaction, so a commission on the buy, and a commission (and SEC fee in the US) on the sale. However, if you place a Good-til-Canceled (GTC) order, and it's partially filled one day, then partially filled another day, you'll be charged two commissions. There are other brokers (FolioFN comes to mind) that either have trading \"windows\", where you can make any number of trades within that window, or that have a fixed monthly fee, giving you any (probably with some upper limit) number of trades per month. There are other brokers (Interactive Brokers for example), that charge you the standard commission on buy and another commission and fee on sell, but can refund you some of that commission for making a market in the security, and pay you to borrow the securities. So the usual answer is \"two commissions\", but that's not universal. However, while commissions are important, with discount brokers, you'll find the percent you're paying for commissions is minimal, which losses due to slippage and poor execution can swamp.",
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[
{
"content": "Provide three tips on how to write a job advertisement that stands out.\n\n",
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{
"content": "1. Use a unique but professional title that summarizes the main duties of the position.\n2. Outline the minimum qualifications and requirements you expect from a candidate. \n3. In the description, explain why the position is important and explain what sets your company apart from other businesses.\n4. Add personality to the job ad, use humor or an engaging tone so as to pique the interest of potential applicants.\n5. Provide an overview of the company’s culture and its values.\n6. Share information about the company’s career growth prospects.",
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[
{
"content": "Explain the difference between a nuclear and a solar powered plant.\n\n",
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{
"content": "The primary difference between a nuclear powered plant and a solar powered plant is the source of energy used to generate electricity. A nuclear power plant utilizes an atomic reactor as an energy source to generate electrical power, while a solar power plant utilizes solar panels to capture the sun's energy and convert it into usable electricity. Nuclear power plants are more efficient than solar plants and emit less carbon dioxide, but they also carry the risk of catastrophic failure and nuclear waste disposal. Solar power plants, on the other hand, provide a renewable energy source, are virtually maintenance free and create no harmful emissions. However, the energy output of solar cells is far lower than nuclear power and they depend on a sufficient amount of sunlight to be effective.",
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[
{
"content": "What should I be aware of as a young investor?\n\n",
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{
"content": "Risk and return always go hand by hand.* Risk is a measure of expected return volatility. The best investment at this stage is a good, easy to understand but thorough book on finance. *Applies to efficient markets only.",
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[
{
"content": "Generate a sentence which use the given verb and noun in the same context.\n\nVerb: invest; Noun: time",
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{
"content": "It's important to invest your time wisely.",
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[
{
"content": "What is the tax levied against stock portion cashed out of 401k?\n\n",
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{
"content": "Withdrawals from a traditional 401(k) plan are always treated as cash income and the taxable portion is taxed at ordinary income tax rates, even if the money was held in stocks within the 401(k) plan and the amount withdrawn is equal to whatever capital gains you made by selling the stock within the 401(k) plan. If your plan permits you to take the distribution as stock shares (transferred to your taxable brokerage account), then, for tax purposes, it is treated as if you took a distribution of cash equal to the market price of the shares as of the day of the distribution and promptly bought the same number of shares in your brokerage account. And yes, if the 401(k) plan assets in your ex-employer's plan consists solely of pretax contributions and the earnings thereon, then the entire distribution is ordinary taxable income regardless of whether you sold the stock within the 401(k) plan or took a distribution of stock from the plan and promptly (or after a few days) sold it. The capital gains or losses (if any) from such a sale are, of course, outside the 401(k) plan and taxable accordingly. Finally, the 10% penalty for premature withdrawal from a traditional 401(k) will also apply if you are not 59.5 years of age or older (or maybe 55 since you are separated from service), and it will be computed on the entire distribution.",
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[
{
"content": "Given a list of integers, generate a frequency count of each integer in the list.\n\n[1, 5, 2, 4, 2, 5]",
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{
"content": "The frequency count of the given list is {1:1, 2:2, 4:1, 5:2}",
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[
{
"content": "Is there a benefit, long term, to life insurance for a youngish, debt, and dependent free person?\n\n",
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{
"content": "Term life insurance for a healthy 30 year old is a heck of a lot cheaper than for a 40 year old who's starting to break down (and who needs the coverage since he's got a spouse and kids). So, get a long term policy now while it's cheap.",
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] |
[
{
"content": "Replace the following words with adjectives (scarce, gregarious, chaotic).\n\n",
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{
"content": "The audience was sparse yet cheerful, the atmosphere was chaotic yet organized, and the crowd was gregarious yet reserved.",
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] |
[
{
"content": "Insert two adjectives to describe this product.\n\nThe new auto-lock door system is a revolutionary product for homes and businesses.",
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},
{
"content": "The new auto-lock door system is a revolutionary revolutionary and innovative product for homes and businesses.",
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] |
[
{
"content": "Describe the day-to-day job duties of a Human Resources Manager.\n\n",
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},
{
"content": "The day-to-day job duties of a Human Resources Manager typically include: \n• Developing, implementing, and monitoring company policies \n• Facilitating hiring, onboarding, and training processes \n• Creating job postings and coordinating job interviews \n• Overseeing payroll and benefits administration \n• Handling employee relations issues, such as grievances and disciplinary action \n• Creating and monitoring performance management systems \n• Managing employee safety programs \n• Ensuring compliance with laws and regulations \n• Developing and honing team skills to improve productivity.",
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[
{
"content": "Pretend you had to work on a project with someone you did not like. Describe this experience.\n\n",
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{
"content": "I once had to work on a project with someone I didn't get along with. It was difficult to collaborate because we had different opinions and weren't on the same page. It was hard to focus on the task when we were constantly at odds. It was discouraging, because I couldn't do my best work with such an obstructive partner. However, I was able to press on and complete the project successfully, even though it was under trying conditions.",
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{
"content": "Arrange the given list of sentences in chronological sequence.\n\n- The skies had cleared.\n- The storm had passed. \n- Wind and rain had been battering the city the morning over.\n- Waves crashed against the shore.",
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{
"content": "- Wind and rain had been battering the city the morning over. \n- Waves crashed against the shore. \n- The storm had passed. \n- The skies had cleared.",
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] |
[
{
"content": "Explain what machine learning is.\n\n",
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},
{
"content": "Machine learning is a type of artificial intelligence (AI) that enables computers to learn from data without being explicitly programmed. It uses algorithms to process large amounts of data and find patterns which can be used to make predictions or decisions. Machine learning can be used to identify objects in images, classify documents, determine correlations, and more.",
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[
{
"content": "When to sell a stock?\n\n",
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{
"content": "I am a believer in stocks for the long term, I sat on the S&P right though the last crash, and am 15% below the high before the crash. For individual stocks, you need to look more closely, and often ask yourself about its valuation. The trick is to buy right and not be afraid to sell when the stock appears to be too high for the underlying fundamentals. Before the dotcom bubble I bought Motorola at $40. Sold some at $80, $100, and out at $120. Coworkers who bought in were laughing as it went to $160. But soon after, the high tech bubble burst, and my sales at $100 looked good in hindsight. The stock you are looking at - would you buy more at today's price? If not, it may be time to sell at least some of that position.",
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[
{
"content": "Summarize the issue of ocean acidification.\n\n",
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},
{
"content": "Ocean acidification is a global issue of increasing concern, caused by the ocean’s absorption of carbon dioxide from the atmosphere. It is reducing the pH level of the ocean, which has serious consequences for the ocean’s environment and the species it supports. These impacts include reduced biodiversity, disruption to food webs, decreased coral reef resilience, and changes to other ocean chemistry that can prevent some species from forming shells. To mitigate the effects of ocean acidification, it is essential to reduce the amount of carbon dioxide emitted into the atmosphere, through limiting the burning of fossil fuels.",
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[
{
"content": "Describe the impacts of deforestation.\n\n",
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},
{
"content": "Deforestation is the process of clearing away trees in forests for various purposes, including farming and resource extraction. It has a wide range of negative impacts, including soil degradation, increased greenhouse gas emissions, loss of habitat for plants and animals, decrease in water availability, and disruption of local communities. Deforestation can also lead to climate change, as fewer trees mean less carbon dioxide is removed from the atmosphere.",
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[
{
"content": "Write a couple of sentences to describe the given work of art.\n\nThe Starry Night, by Vincent van Gogh",
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{
"content": "The Starry Night by Vincent van Gogh is a breathtaking painting of the night sky filled with stars and swirling clouds. The intense brush strokes and vibrant colours depict a sense of movement and a profound appreciation of the beauty of nature.",
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] |
[
{
"content": "How can I find a list of self-select stocks & shares ISA providers?\n\n",
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},
{
"content": "I'm currently using Halifax. Pros: Cons: I'm might start using TD Waterhouse in future, as they claim to have no admin charge.",
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] |
[
{
"content": "Create a conclusion paragraph for a persuasive essay on the importance of voting.\n\n",
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},
{
"content": "Voting is a fundamental right of every citizen and a responsibility that we must take seriously. It is vital to the functioning of a healthy democracy, as it allows citizens to have their voices heard as well as having a direct effect on who represents them and the policies that are implemented. The consequences of not exercising this important privilege could be severe, from a lack of representation to allowing certain policies to be enacted that endanger our civil rights and liberties. We all must take action to ensure that we continue to have a strong and fair democracy by using our right and privilege to vote.",
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] |
[
{
"content": "Recognize the type of the given bird.\n\nThe Eurasian Jay (Garrulus glandarius)",
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},
{
"content": "Passerine, Corvid",
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] |
[
{
"content": "Rewrite this sentence using complex-compound and complex-multi word verbs.\n\nShe went to the store.",
"role": "user"
},
{
"content": "She ventured to the store.",
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] |
[
{
"content": "Explain why people don’t understand quantum physics.\n\n",
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},
{
"content": "Quantum physics is very complex and counterintuitive, often involving concepts such as wave–particle duality and entanglement that are difficult to visualize and understand. Additionally, because quantum physics operates at the smallest scales of matter and energy, it is difficult to measure and observe with existing technology. This makes it difficult to experimentally verify theories, creating further confusion and difficulty in understanding.",
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[
{
"content": "Identify the type of figurative language used in the following sentence\nThe sky was a sheet of feathers\n\n",
"role": "user"
},
{
"content": "Simile",
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] |
[
{
"content": "Given two texts, compare and contrast the two texts.\n\nText 1:\nCats are indoor animals, often kept as pets.\n\nText 2:\nDogs are outdoor animals, usually used as working animals.",
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},
{
"content": "The major difference between cats and dogs is that cats are typically kept as indoor pets while dogs are usually used as working animals and spend more time outdoors. Additionally, cats are typically solitary animals and prefer to be on their own while dogs often live in packs and require interaction with other animals and humans. Furthermore, cats tend to be more independent and aloof than dogs, which are typically more dependent, loyal companions.",
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[
{
"content": "Can I place a stock limit order to buy above the current price? Can I place a stock limit order to sell below the current price?\n\n",
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},
{
"content": "You can place the orders like you suggested. This would be useful in a market that is moving quickly where you want to be reasonably sure of execution but don't want the full exposure of a market order. This won't jump your spot in the queue though in the sense that you won't get ahead of other orders that are \"ready\" for execution just because you have crossed the spread aggressively.",
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] |
[
{
"content": "Describe what a marketing funnel is.\n\n",
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},
{
"content": "A marketing funnel is a multi-step process that businesses use to guide prospective customers through their journey from discovering and learning about a company's services or products, to eventually becoming a customer. The marketing funnel is typically composed of multiple stages that a customer must progress through before making a purchase. Common stages in a funnel include awareness, interest, consideration, intent, purchase, and loyalty. Each stage serves a different purpose and provides companies with valuable data points to measure and refine their strategies.",
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[
{
"content": "Describe how an ecosystem functions.\n\n",
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},
{
"content": "An ecosystem is a community of living organisms interacting with each other and with the non-living environment. Ecosystems consist of biotic components - organisms that interact with each other and with their environment - and abiotic components - such as climate, soil, water, and sunlight. In an ecosystem, organisms interact with each other and with their environment to create a balanced and sustainable system. They benefit from the resources in their environment, while also providing services such as pollination and pest control. This balance between the organisms and their environment is essential for ecosystems to function correctly.",
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] |
[
{
"content": "Construct a math equation that simplifies this expression.\n\n2x + 4y - 3y",
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},
{
"content": "2x + y",
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] |
[
{
"content": "Identify possible solutions to the problems of climate change.\n\n",
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},
{
"content": "Climate change is one of the biggest global challenges of our time. There are a variety of solutions that are being proposed or implemented to address the issues of climate change. These solutions include transitioning to renewable sources of energy such as wind, solar, and hydropower, increasing energy efficiency through better materials and technology, investing in green infrastructure such as renewable energy systems, and reducing emissions from transportation and industry. Additionally, solutions such as reforestation and land restoration have been proposed to help reduce emissions and combat climate change.",
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] |
[
{
"content": "Generate a pun about dogs.\n\n",
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},
{
"content": "I just found out my dog isn't very good at math - apparently he struggles with his \"woof-dication\"!",
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] |
[
{
"content": "What is the primary color of a peacock?\n\n",
"role": "user"
},
{
"content": "The primary color of a peacock is green.",
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] |
[
{
"content": "What does an ideal CV look like?\n\n",
"role": "user"
},
{
"content": "An ideal CV should be concise, clear and organized. It should also highlight your skills, education, work experience and achievements in an easy-to-digest format. A CV should also highlight your qualifications and should be tailored to highlight relevant skills and experience in relation to the job you are applying for. It should also be free of errors and contain references if requested.",
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[
{
"content": "How do I know when I am financially stable/ready to move out on my own?\n\n",
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},
{
"content": "I’m going to suggest something your parents may be reluctant to say: “Grow up and get out.” A man living in a van down by the river, making minimum wage, with $0 in savings has achieved something you have still failed to achieve: adulthood. This, I believe, is more important than a man’s income or net worth. So please join us adults Bryan. I think you’ll enjoy it. Yes, your savings may take a hit but you will gain the respect that comes with being an adult. I think it is worth it.",
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] |
[
{
"content": "Train a GPT-2 language model on the given corpus.\n\nCorpus: A collection of texts related to your topic",
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},
{
"content": "A GPT-2 language model can be fine-tuned on the given corpus through the use of the Trainer class in Hugging Face Transformers.",
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] |
[
{
"content": "Sort the following presented countries by GDP.\n\nSouth Africa, Peru, India",
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},
{
"content": "India, South Africa, Peru",
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] |
[
{
"content": "Should I set a stop loss for long term investments?\n\n",
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},
{
"content": "If they are truly long term investments I would not put a stop loss on them. The recent market dive related to the Brexit vote is a prime example of why not to have one. That was a brief dive that may have stopped you out of any or all of your positions and it was quite short lived. You would likely have bought your positions back (or new positions entirely) and run the risk of experiencing a loss over what turned out to be a non event. That said, I would recommend evaluating your positions periodically to see if they still make sense and are performing the way you want.",
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[
{
"content": "Is a fixed-price natural gas or electricity contract likely to save money?\n\n",
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},
{
"content": "I can only speak to natural gas but I imagine the answer for electricity is the same. In general, yes, it is better to lock into a fixed price contract as in the long run, natural gas prices increase over time. However, if you locked (signed a fixed price contract) in prior to the economic downturn, most likely you were better off not doing so but the key is long-term. http://en.wikipedia.org/wiki/Natural_gas_prices However, do your research as fixed priced contracts vary considerably from company to company. http://www.energyshop.com/ I think it's a good time to sign a fixed-term contract right now as I don't see prices coming down much further with global economies are now recovering from the downturn. HTH",
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[
{
"content": "Why can't I short a stock that sells for less than $5? Is there another way to “go short” on them?\n\n",
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},
{
"content": "A bit of poking around brought me to this thread on the Motley Fool, asking the same basic question: I think the problem is the stock price. For a stock to be sold short, it has to be marginable which means it has to trade over $ 5.00. The broker, therefore, can't borrow the stock for you to sell short because it isn't held in their clients' margin accounts. My guess is that Etrade, along with other brokers, simply exclude these stocks for short selling. Ivestopedia has an explanation of non-marginable securities. Specific to stocks under $5: Other securities, such as stocks with share prices under $5 or with extremely high betas, may be excluded at the discretion of the broker itself.",
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[
{
"content": "Create a fictional story about a group of people standing up against an oppressive government\n\n",
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},
{
"content": "In a small country ruled by a tyrannical dictator, a group of brave citizens rose up to challenge the oppressive government. It started with a few brave voices who dared to speak out against the injustice of the regime. These brave people ignited a spark that slowly spread throughout the country and eventually united the people in a common cause. Over time, more and more citizens joined the movement and decided that enough was enough. With each passing day, the movement grew stronger, and the voices demanding freedom became louder and more unified. The oppressive government tried to crush the movement, but the people stood firm in their desire for freedom and justice. Finally, after a long struggle, the people triumphed and overthrew the oppressive government, ushering in a new era of democracy for the country.",
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[
{
"content": "Wardrobe: To Update or Not? How-to without breaking the bank\n\n",
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},
{
"content": "The way I handle clothing purchases, is I save a little bit with each paycheck but don't commit to spending each month. I wait until I find the exact item I need or know I will need in the near future. I have a list of things to look for so I don't get off track and blow my budget. And each time I consider hitting Starbucks or buying a random something at Target, I think which is a better investment - a great pair of pants that will work for me for a decade, or a latte? Thank you for linking to me. Your question is one many people have. I feel that clothing should be purchased slowly, with care. If you do it this you will buy items that don't need to be replaced every two years, and will maintain style and quality longer. :)",
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[
{
"content": "Peer to peer lending in Canada?\n\n",
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},
{
"content": "Yes and no, P2P Capital Markets is similar concept but is more geared towards business loans. Community Lend used to offer this service but has stopped.",
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] |
[
{
"content": "Should I pay off my credit card online immediately or wait for the bill?\n\n",
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},
{
"content": "I am going to break rank slightly with the consensus so far. Here's the deal, it probably DOES help your credit slightly to pay it multiple times per month if it isn't a hassle, but the bump is likely to be minimal and very temporary. Here's why: A key component of your score is your credit usage ratio. That is the ratio of how much of your credit limits you are using. You want to keep this number down as low as possible. Now here is where it gets tricky. Although you have a grace period to pay off your card with no interest, the credit card companies don't generally report the balance as of the due date. They either report the high balance or an average balance over the month. That is, it is based on how much you use, not how much balance you carry over each month. It isn't very intuitive, but that's just how it is. So technically, keeping that balance lower over the course of the month WILL probably help you, but the credit usage ratio is generally a rolling average over the last x months, so the effect will wear off quickly. So it is probably not worth doing unless you know you are going to apply for a loan in the next 6 months and need a temporary, small bump. Another consideration is that paying early provides no real financial benefit in terms of finance charges, but you are giving up liquidity which does have some value. 1) You probably could get at least a little interest for keeping the money in your account a few more weeks. 2) If you have a major financial emergency, e.g. broken down car, you might appreciate the fact that you kept your options open to carry that balance over a month.",
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[
{
"content": "Provide an example of text generated by a language model.\n\n",
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},
{
"content": "The sun was shining brightly as the birds chirped merrily in the trees. A gentle breeze blew across the fields, carrying the sweet scent of wildflowers and a feeling of peace. The sky was clear and blue, and a feeling of contentment filled the air. It was a beautiful, sunny day.",
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] |
[
{
"content": "What is the volume of a rectangular prism with dimensions 3, 4 and 5 meters?\n\n",
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},
{
"content": "60 m3",
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] |
[
{
"content": "Reverse each line of the given poem\n\nLove is patient,\nLove is kind.\nIt does not envy,\nIt does not boast",
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{
"content": "tnetiap si evoL,\ndnik si evoL.\nEnvy ton od llaes,\ntaost ton od llaes",
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] |
[
{
"content": "Explain why multinational companies invest in emerging markets.\n\n",
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},
{
"content": "Multinational companies invest in emerging markets for a variety of reasons. For starters, these markets often offer attractive growth opportunities due to their large populations and their rapidly developing economies. Additionally, many emerging markets offer incentives to foreign investors, such as tax breaks and low interest loans. This makes them attractive destinations for global investors who are looking to gain a foothold in these markets. Furthermore, multinational companies often view investment in emerging markets as an important part of their global growth strategy. By investing in emerging markets, multinationals can gain an understanding of local customer preferences and build relationships with local suppliers and partners.",
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[
{
"content": "Decompose the following statement into simpler, more concise sentences.\n\nThe movie was exciting because it had a lot of unexpected twists and turns that kept us on the edge of our seats.",
"role": "user"
},
{
"content": "The movie had many unexpected twists and turns. \nThese kept us on the edge of our seats and made the movie exciting.",
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] |
[
{
"content": "Change the following sentence so that it is in the past tense.\n\nShe drives to work every day.",
"role": "user"
},
{
"content": "She drove to work every day.",
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] |
[
{
"content": "Given a list of verbs, create a sentence that conveys understanding.\n\nlisten, process, know",
"role": "user"
},
{
"content": "I listen, process, and truly know what you are saying.",
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] |
[
{
"content": "Does reading financial statements (quarterly or annual reports) really help investing?\n\n",
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},
{
"content": "Yes, especially if you are a value investor. The importance and relevance of financial statements depends on the company. IMO, the statements of a troubled \"too big to fail\" bank like Citibank or Bank of America are meaningless. In other industries, the statements will help you distinguish the best performers -- if you understand the industry. A great retail example was Bed, Bath and Beyond vs. Linens and Things. Externally, the stores appeared identical -- they carried the same product and even offered the same discounts. Looking at the books would have revealed that Linens and Things carried an enormous amount of debt that fueled rapid growth... debt that killed the company.",
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[
{
"content": "Describe a potential use case for this technology.\n\nTechnology: Robotics",
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},
{
"content": "A potential use case for robotics is in factory automation. Robotics technology can be used in industrial settings to automate labor-intensive tasks. Robots are able to move quickly and accurately and follow instructions precisely. This allows them to take on tasks that would otherwise be time-consuming, difficult, or unsafe for humans. Additionally, robots can be programmed to detect and report anomalies, ensuring more consistent and higher-quality end products.",
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