vania-janet/multiturn-rag-retrieval-data huggingface dataset:
A fair number of micro-finance organisations have been listing recently and appear to be offering good yields.  So you could simply buy their stock rather than investing directly. SKS is an Indian micro-financier that went public just a few weeks ago. The interest rates charged can be extremely high to match the low yield per lender.  As has been mentioned, Kiva doesn't return interest to the lender.  However, Kiva doesn't lend directly either.  They on-lend to local microfinanciers who will lend at whatever interest rate the local market will bear. The range of interest rates applied to micro-credit loans can be chilling.  45% to 85% in Africa, 30% in India and a jaw-dropping 155% in Mexico. However, these high rates of return have attracted an absolute stampede of investors. In Mexico more than 300 micro-credit banks compete for business. Chuck Waterfield, the founder of MicroFinance Transparency, is concerned that there is an unsupportable bubble. Lenders are starting to take out more loans than they can afford and banks are doing little to curb that appetite for debt.  Sound familiar? So, you may not want to lend directly, but definitely consider looking at listed microfinanciers in places like Brazil and India.  As usual, though, study the company carefully.
I didn't say teachers were obsolete. You can take your show on the perverbial road as well and post your magic to YouTube as well. How many subscribers would you need to accomplish what you are paid by the institution? Could you help more poor people by choosing not to charge them?
"Yes, some of my family actually worked at Arthur Anderson (thankfully they were able to jump-ship before the whole fiasco).  You make some good points, but from my personal experience and conversations (family working at Big 4 and another a partner at a regional firm), it seems that accounting firms will go to great lengths to keep their big clients.  I've also heard that they are extremely reluctant to give unqualified opinions, much like analysts are reluctant to issue ""sell"" ratings.  I know this is completely anecdotal, but I think it makes sense given the incentive structure."
You need to do a few things to analyze your results. First, look at the timing of the deposits, and try to confirm the return you state. If it's still as high as you think, can you attribute it to one lucky stock purchase?  I have an account that's up 863% from 1998 till 2013. Am I a genius? Hardly. That account, one of many, happened to have stocks that really outperformed, Apple among them.  If you are that good, a career change may be in order. Few are that good. Joe
The math is wrong. $16m grows to $72b over 44 years at 21% return (exact return is (72000/16)^(1/44) - 1 = 0.21067). At one percentage point lower return, i.e. 20%, $16m grows to $50b (16m x 1.21^44 = 49.985b). In that case you would have paid about 30 percent of your gain in fees. Still a lot,  but not severe.  Even the calculation of percent fees is wrong in the article!
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It depends on which grants you'rs qualified for.  It depends on which grants you apply for.  It depends on how good your application makes you look by the criteria of thst fund, and how good every other candidate's application makes them look.  It depends on how much money the sponsor can afford to give out this year.  The way to estimate this is to research what funds you can apply for, and run an expectation-value based on your best guess of how much they'll pay and the odds of being selected.  The way to get a real answer is to apply, do the best you can, and see what happens. Welcome to your first taste of the real world. Many questions do not have simple answers, even as estimates. Your guidance councelor may be able to give you some advice on what to apply for and how likely you are to get it. But in the end, you wind up applying for whatever you can, applying to a number of schools, and making a final decision after all the answers have come back.
If anyone offers you guaranteed better than average returns, run. They are either lying to you or to themselves. (Claiming that they will try to beat the market is more credible, but that becomes a matter of whether there is any reason to believe that they'll succeed.) If anyone sends you an unsolicited stock tip, run. They wouldn't be doing so if it wasn't an attempt to manipulate you or the market or both. Most likely its a pump-and-dump attempt.
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Mitesh Khatri truly stands out in his performance of that of a corporate trainer, motivational speaker and leadership trainer. He doles out the most inspirational speeches and messages which holds the power to bring transformation in individuals as well as in the enterprise looking to evolve and revive the base of their work culture.  http://www.agreatertown.com/india_un/mitesh_khatri_0003501314
I mean you were proven wrong ages ago. Your MBA is definitively shit and you already attacked me personally including some weird reference to NAMBLA? So, really, you're about as intelligent and capable as anyone would expect someone with your education to be.
Very cool! good for you. We're a rare breed - actually doing something with our finance knowledge.  The rotten part I think is they've had enough success to be self employed. At that point, you start realizing the limitations of most people when you are successful, and so you become closed off. I'm as guilty of this as they were.  &gt; conservative.... but it's not for me  You're right on that part. Definitely have to see what your sweet spot is and stick to that. Anything that requires me to constantly check up on the industry is out for me. But I follow tesla for many reasons and it's something I worked hard to get comfortable with (more than 1,000 hours). My comfort zone is owning 4 stocks after looking at 1,000+. And watching them closely, ignoring the rest. I also don't have time for much more. My other favorite, that might be more up your alley: Davita (DVA). I am a big fan and comfortable with the industry to know they're going to do well from here.
I once read an redditor（probably from india）says they are going to have 300 millions middle class in next few years  Aren't India going to one of the future superpowers and their people are very proud of it ？  http://www.thehindu.com/features/kids/proud-to-be-an-indian/article3762135.ece
"I am currently running 12%. This is including IRA, 401k, HSA, and tax accounts. My LC is not a tax sheltered.The share used to be around 25% but i have been very aggressively putting away alot more into 401k/HSA. My current NAT returns on LC are 14.3%, but not a single loan has seasoned, i am nearing my first full year, and i have had 3 defaults in 150~ loans. My % across grades: A-0  B-6  C-30  D-31  E-20  F-12  G-1 Also to note, i use a very filter and only pick the ""best"" notes based on my own personally back testing. My 5 year average for stocks and such is around 11%, and YTD is 14%. Which is matching my LC rate. I am not sure which one will hurt more during the next bear markets, LC, or long term investments. Only time will tell. I suppose I plan on keeping my LC between 10-15% of my total investments. I will see how it goes as time goes on and my account gets more seasoned."
10 whole families eh?  If I show you 10 people who struck it rich as triple diamond Amway multilevel marketing gurus, would you and I then agree that Amway is the way to make money in this world?  How about if I show you 10 companies that paid negative corporate taxes for the last decade?  How about 10 billionaire families who didn't pay a dime in taxes due to creative offshoring of assets?
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What do you actually know about their methodology?  Do you have the raw data?  Do you know how they selected the sample?  Did they discover perfect random?  I would guess not. So that probably would mean 100 isnt correct in this context. Not that I doubt this study follows stats best practices perfectly or that the people running a study on employees about a company of a very wealthy individual would be objective/completely without ulterior motive and from some source I dont even actually know the full background of the people who made it but...  I'm non-partisan. I would also just ask, how did that election turn out again with the numerous polls and other research of 1000+, repeatedly at different times over a campaign that seemed to have been like 2+ years long?  Further I dont even know why we are talking about a study of 100 when theres glassdoor with more than 10,000 reviews though it isnt normalized or in an actual study format. The thing to note is that if you compare the types of employees to another tech company like lets say Google/Alphabet or Facebook you have a different distribution in the type of people recruited and that might effect their experience. Amazon does a lot of retail, support and call centers as compared to a lot of engineers with a more educated background. Both are people but theres definitely a difference in the type of person as well as their temperament you get if you go to lets say an urban wal-mart as compared to an Alphabet or Facebook engineer. Have to compare apples to apples and as far as this study goes I dont even know how they like them apples.
"&gt;Do you work with low-skilled employees? Specifically, do you ever have to manage them? I am going to make the assumption that you do not based on the comments you are making. It is impossible to say ALL of anything is a certain way. I'm not suggesting that at all. I'm going to specifically talk about averages. It seems like you've never been around the average. Yes, I have worked with low-skilled employees. Not any more but I definitely did at times as I was working in high school and working my way through college. Also, I'm not from the upper middle or upper class. It seems like you are now trying to pigeon hole me into a box in order to justify your responses to me and paint me as some guy that just ""doesn't understand how the real world works."" But all of this is irrelevant to the discussion, just ad hominem attacks to tear down my credibility. &gt;If a person refuses to provide more for society, should society fill the gap? There it is. Here is how you truly feel. So you do look down on these people, cause ""statistics"" or whatever you've made up in your head to justify looking down on them (see I can make ad hominem attacks too). I'll refer to my earlier argument as a response to this. ""If you have to assume the worst of people to bolster your argument, then you have a terrible argument."" &gt;You suggest that people who are poor didn't get there because of their own right. Are people who are self-made millionaires (on average) good with finances? Why would that be? If yes, why do you assume those that are successful are so because of their own merit but cannot be blamed for failure? Your words not mine. Nice straw man though.
Then, of course, you should add into the equation the fact that anybody working a consisten 100h a week is going to be very prone to making mistakes. As for that fantastic skill-set you say you learn on the job, I would really love to see a study of some sort in which they compare the value added of an ivy league genius against that of a good student from a public university. Maybe then all of these bold assertions of how fantastic they are will fall to the ground. The article does not have a lot of quality to it, but it does speak of an important matter. The amount of skilled workers that go into finance and investment banking is disastrous for the economy. If those minds could be applied to actually building things, inventing life-improving services, or generally organising society better, the whole world would be much better off than using those minds to try and outsmart eachother in ways to get investors money into the pockets of the hedge-fund managers and private bankers.
The India division then sells the engine to the open market for $9,000,000 . Therefore, the India division books a profit of $3,000,000 and pays taxes of $300,000. Now GE as a whole makes a profit of $3,000,000 less taxes of $300,000 = net profit of $2,700,00. Further, let's say the fair market value of the engine, as is, when the US sells to India is $7,000,000. That would mean US ***should*** book profits of $2,000,000 and India ***should*** book profits of $1,000,000. Total taxes by GE are now $800,000 (US) + $100,000 (India) = $900,000. However, what's important is that NET PROFIT is now $2,100,000. ***GE just saved $600,000 in taxes by doing this***. The beauty of this is, divisions are supposed to charge fair market value for products FTP'd internationally; however, it's REALLY hard for the IRS to say what the value of an unfinished product really is (heck, you could be offering bulk discounts, etc.)... The fact is, often, US divisions have skilled labor that is difficult to replicate elsewhere. They just show US divisions operating at losses to make the company as a whole better. The problem, again, arises when top management don't fully appreciate or understand the reasoning behind this stuff. They end up making cuts to US labor because it's ""unprofitable"" without thinking about the entire story. I know this is very long winded but hope it helps! ***tldr; companies FTP to recognizes profitability and opportunity costs of divisions as well as use it for overseas tax breaks.*** Side note: Politically speaking, people who know how this works are pissed off about it in the U.S. (don't worry though, most politicians on both sides don't have a clue). We have high corporate tax rates relative to other countries and IRS loopholes allow this kind of thing (lobbying $$).
"Besides money and time lost, it is pretty clear that most tax advisors are not well versed in non-resident taxes. It seems that their main clients are either US residents or H1B workers (who are required to file as residents). I share your pain on this one. In fact, even for H1B/green card holders or Americans with income/property abroad vast majority of advisers will make mistakes (which may become quite costly). IRS licensing exams for EA/RTRP do not include a single question on non-resident taxation or potential issues, let alone handling treaties. Same goes for the AICPA unified CPA exam (the REG portion of which, in part, deals with taxes). I'm familiar with the recent versions of both exams and I am very disappointed and frustrated by that lack of knowledge requirement in such a crucial area (I am not a licensed tax preparer now though). That said, the issue is very complicated. I went through several advisers until I found the one I can trust to know her stuff, and while at it happened to learn quite a lot about the US tax code (which doesn't make me sleep any better by the least). It is my understanding that preparing a US tax return for a foreign person without a mistake is impossible, but the question is how big is the mistake you're going to make. I had returns prepared by solo working advisers where I found mistakes as ridiculous as arithmetic calculation errors (fired after two seasons), and by big-4 firms where I found mistakes that cost me quite a lot (although by the time I figured that they cost me significant amounts, it was too late to sue or change; fired after 2 seasons as well). As you can see, it is relevant to me as well, and I do not do my own tax returns. I usually ask for the conservative interpretations from my adviser, IRS is very aggressive on enforcement and the penalties, especially on foreigners are draconian (I do not know if it ever went through a judicial review, as I believe some of these penalties are unconstitutional under the 8th amendment, but that's my personal opinion). Bottom line - its hard to find a decent tax adviser, and that's why the good ones are expensive. You get what you pay for.
"The same author wrote in that article “they have a trillion? Really?” But that’s what happens when ten   million dollars compounds at 2% over 200 years. Really? 2% compounded over 200 years produces a return of 52.5X, multiply that by 10M and you have $525 million. The author is off by a factor of nearly 2000 fold. Let's skip this minor math error.  The article is not about 401(k)s. His next line is ""The whole myth of savings is gone."" And the article itself, ""10 Reasons You Have To Quit Your Job In 2014"" is really a manifesto about why working for the man is not the way to succeed long term. And in that regard, he certainly makes good points. I've read this author over the years, and respect his views. 9 of the 10 points he lists are clear and valuable. This one point is a bit ambiguous and falls into the overgeneraluzation ""Our 401(k) have failed us."" But keep in mind, even the self employed need to save, and in fact, have similar options to those working for others. I have a Solo 401(k) for my self employment income.  To be clear, there are good 401(k) accounts and bad. The 401(k) with fees above 1%/yr, and no matching, awful. The 401(k) I have from my job before I retired has an S&P index with .02%/yr cost. (That's $200/$million invested per year.) The 401(k) is not dead."
A like for equivalent comparison is ""One drinks 3-4 mugs of Coffee"" in US, and average Indian drinks ""Tea/Coffee 3-4 mugs"". In India the local Tea / Coffee would be Rs 10 - Rs 20. A Starbucks would come with starting price of Rs 150. The same applies to food. A McBurger in India would be around Rs 100. The Indian equivalent Wada Pav is for Rs 10. A Sub Way would be Rs 150. A Equivalent Mumbai Sandwich around Rs 25. I personally am picky about food, so it doesn't matter where I go, I can only eat specific things, which means I spend a huge amount of money if I am outside of India. When I was in US, I couldn't afford a maid, driver or any help. In India I have 2 maids, a cooking maid and a driver. Plus I get plumber, electrician, window cleaner, and all the help without costing me much. Things that I absolutely can't dream in US. My colleague in UK preferred to stay in a specific locality as it has a very good Church. So if its important, one may find few good ones in India if one is Roman Catholic, if one follows Lutheran, Greek Orthodox, tough luck. Citizenship: Does it matter ... A foreign national may never get an Indian citizenship. Children don't qualify either unless both parents are Indian. Health Care: Again is quite different. One may feel Health care in US is not good or very expensive ... but there are multiple aspects of this. So in essence its very broad there is traffic, cleanliness, climate, culture, etc ... PS: A research assistant in India is poorly paid, because colleges don't have funds. Research in fundamental science is quite low. Industry to university linkages are primitive and now where close to what we have in US."
"Probably the best way to investigate this is to look at an example. First, as the commenters above have already said, the log-return from one period is log(price at time t/price at time t-1) which is approximately equal to the percentage change in the price from time t-1 to time t, provided that this percentage change is not big compared to the size of the price. (Note that you have to use the natural log, ie. log to the base e -- ln button on a calculator -- here.) The main use of the log-return is that is a proxy for the percentage change in the price, which turns out to be mathematically convenient, for various reasons which have mostly already been mentioned in the comments. But you already know this; your actual question is about the average log-return over a period of time. What does this indicate about the stock? The answer is: if the stock price is not changing very much, then the average log-return is about equal to the average percentage change in the price, and is very easy and quick to calculate. But if the stock price is very volatile, then the average log-return can be wildly different to the average percentage change in the price. Here is an example: the closing prices for Pitchfork Oil from last week's trading are: 10, 5, 12, 5, 10, 2, 15. The percentage changes are: -0.5, 1.4, -0.58, 1, -0.8, 6.5 (where -0.5 means -50%, etc.) The average percentage change is 1.17, or 117%. On the other hand, the log-returns for the same period are -0.69, 0.88, -0.88, 0.69, -1.6, 2, and the average log-return is about 0.068. If we used this as a proxy for the average percentage change in the price over the whole seven days, we would get 6.8% instead of 117%, which is wildly wrong. The reason why it is wrong is because the price fluctuated so much.
Well that depends on how far down it goes. If someone calls for a 75% decline in the market next year, and instead it happens in 3 years, well it's still a good call in my books. If you listend and moved your money out of the market until that 75% fall hit, then invested in the market as it was very low, you'd be looking at an overall return of at least ~30% as the market rebounded which is decent for a 4 year return.  On the other hand if the market rose up 60% over 3 years, then fell 25%, the return on sitting on the sidelines wouldn't be worth it.  **EDIT** Appreciate any comments onto why I was downvoted. When I'm wrong I like to learn why!
"He is wrong.  Using Total Return (Reinvesting Dividend), from the peak in December 1999, it only took 6 years to recover.   You can check the data for free here. Make sure you choose ""Gross Index Level"".  ACWI Index is Developed Markets + Emerging Markets.  World Index is Developed Markets only."
The product you seek is called a fixed immediate annuity.  You also want to be clear it's inflation adjusted. In the US, the standard fixed annuity for a 40year old male (this is the lowest age I find on the site I use) has a 4.6% return. $6000/ yr means one would pay about $130,000 for this. The cost to include the inflation adder is about 50%, from what I recall. So close to $200,000.  This is an insurance product, by the way, and you need to contact a local provider to get a better quote.
"I don't want to entirely discount traditional knowledge, but *""the result of thousands of years of accrued experimentation""* doesn't actually mean anything, and *""Ayurvedic traditions""* is a red flag for me.  Are there any published studies done on the effectiveness of such preparations?"