vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Every month I will get a return in from my share of the profit which would be used for repayment of capital and interest in India. Not to sure what the business plan is. Please factor all the modalities, Exchange rate fluctuations, etc. My concern is regarding RBI rules and regulations, FEMA guidelines, and Income tax. Under the Liberalized Remittance Scheme; Funds can be transferred outside India. Any profit you make will be taxable in India. You will have to declare this pay tax in as per schedule.
I have more book recco's that would be useful than you could consume in a year. The goal is to find books written by practitioners who actually did what you're after.  My favorites are Made in America by Sam Walton and Pour Your Heart Into It by Howard Schultz.  Happy to recommend more but don't want to dilute these two.
At Good Guru we are focused on offering you the high performance sports supplements that your effort requires. We are athletes, just like you, and that's why we know what each drop of sweat costs and we want to help you turn it into more bodybuilding supplements. For this we have looked for the products that your body demands in each training session:  proteins that boost your recovery and increase your muscle mass, supplements burning fat to lose weight, amino acids to make you recover better. Fitness, bodybuilding, cycling?, No matter what your specialty because we have specific supplements for the main disciplines. We rely only on the leading brands for each one, so you can be sure that the product you consume will fit perfectly with your own training routines.
So, try to just think, without any bias: what are the chances that a Music major will have such a meteoric START and rise in the the corporate world in unrelated areas to her studies? C'mon! You never heard or experienced people getting positions or getting promoted not base on merit? &gt;&gt; her degrees show she was not born interested in security (except for fat pay checks)? &gt; Her degree shows that in her youth she was more interested in music; her career history, on the other hand, demonstrates an interest in security. Alleging that her interest was solely based on pay is pure speculation. Her meteoric rise in the corporate level, which started in HP in Auditing, and not security, is showing her main interest is in fat pay checks and power. C'mon! You never heard or experienced greedy clueless managers that are only about getting paid and destroy anyone on the way to a higher pay? &gt;&gt;people with IT degrees are more a match, suitable and qualified for security jobs, especially when they have specific on-hand experience? &gt; People with specific, recent experience (Susan had 14 years), are more qualified than people with an outdated IT degree. Between two people with identical experience, the IT degree might help tip the scales. Still, her role was administrative, not hands-on, so specific technical skill sets are less important than management skills for this role. Susan has no hands-on experience, talent or knowledge. Security is not a joke. Security is a professional extremely important requirement that cannot be managed or overseen by clowns. &gt;&gt;HR does not care about employees? &gt; Good HR does. ... which is very rare. Advise to you: don't even try to assume that HR is on your side or other employees, until you actually see proof and examples for that. &gt;&gt;real experts have to fight HR and terrible management... and usually lose because of this whole corrupt setup? &gt; Real security experts are not often also experts in HR and management, I see an unsubstantiated bias and claims against certain people.
The article listed 8 reasons the author felt this way. By the way, the author is the ""Chief Tax Officer, Jackson Hewitt Tax Service Inc"" which makes him a bit less than a disinterested third party. And all 8 of his reasons are far from compelling. ""In my opinion, getting a $3,000 check is never a bad thing."" This was #1, and by now you know why I disagree. Next, ""More than 75 percent of all individual taxpayers get refunds year after year. It has been this way for decades.... It is unlikely that 75 percent of all taxpayers are all making bad financial decisions every year."" That's enough. Rhetorical nonsense. Read the rest for yourself and decide if the next 6 reasons are any more compelling. Keep in mind, sellers of tax software or services have backed themselves into a corner with the ""largest refund"" claims. I'm sympathetic to the fact that ""we'll shoot for no refund at all, in fact, our goal is for you to owe just $100"" will not be their next campaign. EDIT 2 - I gave this more thought as I started to write a near 1000 word post on this topic. I came to find that 1 in 4 employees did not deposit enough in their 401(k) to capture the full match. This is the highest lost opportunity as the potential return is an instant 100% for matched deposits. Again, it's easy to dismiss the near zero bank rates, but that's not the alternative best use for the money."
Think about Wall Street. It's the most highly paid occupation in the world and it's nothing but a casino. I don't think the article is saying that success is only luck, or that there aren't successes built far more on genius than luck, but that luck is the main factor in the majority of cases of great wealth.
I agree that it sounds like a lot. The last time I read about it someone had been banned for violating the threshold. They were very angry. Their point was that it fails to account for volume of purchases or cost of items returned. They had been buying everything through amazon, so it was particularly harsh to be cut off, but they thought it was unfair since some people are able to exceed the amount of value returned comparatively several times over without violating the magic threshold. (i.e. return 40 $1 items and lose your account, but return 10 $1k items and you're fine).
"Years ago, a coworker bragged to me how his ""tax guy"" got him a huge refund. I told him my goal was to owe a couple thousand dollars, and that I'm glad I didn't have his guy. In the end, your return should reflect the truth, and a good tax guy will be little better than good tax software. The bottom line is that a refund is money you lend the government, interest free. If you can owe a bit of money but avoid paying a penalty, you'll have gotten a free loan from Uncle Sam. Given the fact that most (it seems that way, someone tell me if I'm wrong) families carry some balance on their credit cards, they are paying out 12% or more on their highest interest debt. Lending the government even $1000 for the year comes at a cost, if you file in time to get your refund by the end of March, that's an average 9 months you are out your money. 12%/yr is $90. Scale that up to $3000, the average refund, and the max 24% rate I've seen, $540 lost. Better to adjust your withholding, and get the extra money each paycheck to pay off other debt. Obviously, for those with no debt, their cost is minimal, perhaps 1%, but still better in your pocket for the year. If you pay in this money every paycheck, only to feel good getting it back every March or April, while paying 18% card interest every month, that's your choice. And Stevej will support that decision, or so it seems. EDIT - The Huffpost article Steve linked titled ""Big Tax Refunds Really Are Good"" ignores this debt, only focusing on the near zero rate banks offer now. The article listed 8 reasons the author felt this way. By the way, the author is the ""Chief Tax Officer, Jackson Hewitt Tax Service Inc"" which makes him a bit less than a disinterested third party. And all 8 of his reasons are far from compelling. ""In my opinion, getting a $3,000 check is never a bad thing."" This was #1, and by now you know why I disagree.
"&gt;Can you learn how to evaluate operations efficiency without working at McKinsey?  Look up MBA course schedules, operations management, look at books in this area.  &gt; Also, how many people does McKinsey employ?   Learn to use Google.  &gt;Do they just do all of the training for the consulting field?  Search for companies in ""management consulting"".  You will find Bain, Boston Consulting, etc.  Use google to search for ""McKinsey Competitors"""
We are about to have a 1.4 million headcount shortfall in software development by 2020, many of those jobs earn over twice the average household income.  So while you may claim software wealth peaked in the 90s, that's false. The problem is it takes decades for companies to churn out tons of millionaires, there really are no overnight successes and most people in the industry are mediocre. So for an accurate comparison you need to look at facebook, twitter and other social sites from the 00's and uber, airbnb and slack 10 years from now. The gaps are the result of the crashes in 01 and 08.  Also most people struggle with basic computer operation without a GUI, programming is not for everyone.
True on the second point. It is information based. My bad.  With regard to the first point, I don't think he's Jesus returned. He makes plenty of mistakes but he does provide the return record of a very disparate group of investors following the same method. That method may not work anymore (hard to say) but I think it does. I'm obviously a true believer.   With respect to third point, I don't think you were being a dick. Enjoyed the debate. Thanks for the perspective
Check your local better business bureau. They can tell you who is in business, who's bonded, and who has had a lot of complaints levied against them for shoddy practices.
"I'm actually quite impressed by lucky people.  Being lucky is a difficult skill to master.  Steve Jobs was lucky that he met Steve Wozniak.  Larry Page was lucky that nobody came up with Google before he did.  Bill Gates was lucky that IBM called at the time they did.    They all would have been successful without these lucky breaks.  They'd have had other ""lucky"" breaks.  Maybe not *as* successful, but they have the skill of spotting the opportunity and seizing it. The luck is the difference between being a billionaire and a multimillionaire."
"How do I get my money from India to UAE account – what are the options, can I do bank transfer from my mom SB account to my international account. As you have transferred money directly to your Mothers account, getting the money back would need some paper work. Consult a CA and Bank in India, they should be able to help you. There are various limits under FEMA that would be applicable. As the amount is small a self declaration would also suffice. If yes how much do I loose in case of 20 lac due to currency conversion and commission (approximate) Not sure I understand this question, are you asking if you had converted X AED into Rs 20 lacs and now you have 20 lacs will you get back ""x"" AED or how much less? If you Buy and Sell on the same day, typically there is a spread of 3-5% depending on the currency pair. However rates would have move up or down since then and hence this cannot be answered. You would have to see what the rates are. b. can exchange with Friends in UAE and deposit the same in INR to their SB account in india. Stick to Banks or authorized remittance services [like Western Union / Money Gram / etc]. Any other method you are circumventing law. One is not authorized to convert currency outside the normal Banking Channel."
No career advice or homework help (unless your homework is some kind of big project and you need an explanation on a concept).   I want to see financial news, legislation concerning the markets and regulation, self posts about financial concepts, opinion articles about finance from reputable sources, etc.
Los Angeles Times Investing 101 http://www.latimes.com/business/la-moneylib,0,3098409.htmlstory Clark Howard's Investing Guide http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/clarks-investment-guide/nFZK/
I'm in the same position as you. I've found YouTube to be a great resource, as well as reading things from outlets like the WSJ. Having a close friend in a target school studying finance also helps a ton, as I have someone to talk to casually about things, as well as ask questions.  Check out [this](https://www.youtube.com/playlist?list=PLUl4u3cNGP63B2lDhyKOsImI7FjCf6eDW) playlist on YouTube. I've seen the professor (Lo) mentioned more than once in articles in the WSJ. He's written some books too that I'd like to read. I haven't watched that whole playlist, but the first few videos are helpful.  Martin Shkreli's YouTube channel is a great resource. It's mentioned constantly on this sub. His finance lessons as well as his weekly podcast are great. I also like to listen to (via YouTube Red) talks given by execs like Ackman, Gray, Simons, Dalio, etc. [this](https://www.youtube.com/channel/UCVJalJNQWimC2zWrIHR_bSQ) channel uploads tons of interviews and talks that I find interesting. They can get repetitive, but I find it fun to listen to these guys.   You can also get a student membership to the American Finance Association for free. Academic papers are still way above my level, but if you really get into it, those could be fun.  You can subscribe to email newsletters for some free content. Almost Daily Grant's is a good one, the normal journal costs like 2k a year.   Feel free to message me.
"Yahoo Finance is definitely a good one, and its ultimately the source of the data that a lot of other places use (like the iOS Stocks app), because of their famous API. Another good dividend website is Dividata.com.  It's a fairly simple website, free to use, which provides tons of dividend-specific info, including the highest-yield stocks, the upcoming ex-div dates, and the highest-rated stocks based on their 3-metric rating system.  It's a great place to find new stocks to investigate, although you obviously don't want to stop there.  It also shows dividend payment histories and ""years paying,"" so you can quickly get an idea of which stocks are long-established and which may just be flashes in the pan. For example:  Lastly, I've got a couple of iOS apps that really help me with dividend investing: Compounder is a single-stock compound interest calculator, which automatically looks up a stock's info and calculates a simulated return for a given number of years, and Dividender allows you to input your entire portfolio and then calculates its growth over time as a whole.     The former is great for researching potential stocks, running scenarios, and deciding how much to invest, while the latter is great for tracking your portfolio and making plans regarding your investments overall."
Here are a couple of articles that can help highlight the differences between a broker and an online investment service, which seems to be part of the question that you're asking. Pay attention to the references at the end of this link. http://finance.zacks.com/online-investing-vs-personal-broker-6720.html Investopedia also highlights some of the costs and benefits of each side, broke and online investment services. http://www.investopedia.com/university/broker/ To directly answer your question, a broker may do anything from using a website to making a phone call to submitting some other form of documentation. It is unlikely that he is talking directly to someone on the trading floor, as the volume traded there is enormous.
"For learning about finances my main two financial resources are this site, and the Motley Fool. My secondary sources are keeping up with columns by my favourite economic journalists - in the press in the US, Australia, England, and India. Regarding your comment about feeling green on the basics despite the reading - you're not alone. I've been interested in financials for better than 10 years, but there are a lot of questions on this site where I say to myself, ""I've no idea of what the answer could be, what are our resident experts saying?"" Having said that, there are some topics where I feel as though I can weigh in - and they tend to be where I have a little book knowledge and a lot of personal experience."
Audible has it.    http://www.audible.com/pd/Business/How-to-Win-Friends-Influence-People-Audiobook/B002V5BV96/ref=a_search_c4_1_1_srTtl?qid=1409496635&amp;sr=1-1  No clue on torrents.    If I had to pick three for someone just starting, grab the above and One up on Wall Street and Getting to Yes.    That would put you on a great path.  There is a lot of garbage in the category, but On Up was my beginning investment bible in high school and Getting to Yes is something anyone should read/listen to get a better understanding of basic negotiation.
I mostly volunteer within a church environment.  Given this is reddit, I'm not sure how that comment will fair.    But I also see a lot of  workshops via networking sites; linkedin has one called 'Financial Culture | Financial Literacy', between the articles and financial counseling workshops in the area I live it would be pretty easy to get involved.    Also, START FOLLOWING COMPANIES on linked in.  Join groups that are related to what you want to do, they post items all the time about relevant news to their industry.  The more educated you can get the better.
"Oddly enough, I started to research the ""Bank on Yourself"" strategy today as well (even before I'd ran across this question!). I'd heard an ad on the radio for it the other day, and it caught my attention because they claimed that the strategy isn't prone to market fluctuations like the stock market. It seemed in their radio ad that their target market was people who had lost serious money in their 401k's. So I set about doing some research of my own. It seems to me that the website bankonyourself.com gives a very superficial overview of the strategy without truly ever getting to the meat of it. I begin having a few misgivings at the point that I realized I'd read through a decent chunk of their website and yet I still didn't have a clear idea of the mechanism behind it all. I become leery any time I have to commit myself to something before I can be given a full understanding of how it works. It's shady and reeks of someone trying to back you into a corner so they can bludgeon you with their sales pitch until you cry ""Mercy!"" and agree to their terms just to stop the pain (which I suspect is what happens when they send an agent out to talk to you). There were other red flags that stood out to me, but I don't feel like getting into them. Anyway, through the use of google I was able to find a thread on another forum that was a veritable wealth of knowledge with regard to the mechanism of ""Bank on Yourself"" how it works.  Here is the link: Bank on Yourself/Infinite Banking... There are quite a few users in the thread who have excellent insights into how all of it works. After reading through a large portion of the thread, I came away realizing that this strategy isn't for me. However, it does appear to be a potential choice for certain people depending upon their situation."
Now it's been a while since I read these, and I'm not complete sure if these are the kinds of books that you're looking for, but I found them quite good:  Options, Futures, and Other Derivatives by Hull: http://amzn.com/0133456315  Investments and Portfolio Management by Bodie, Kane &amp; Marcus: http://amzn.com/0071289143  I hope this helps!
For economics I recommend mises or these videos to get you started. For daily critical analysis of financial markets, keynesian government policies, and other interesting reading I recommend zerohedge.  I've learned more about financial markets and government regulations by reading the comments section on zerohedge articles than anywhere else on the internet.  The comment section is very raw (i.e. lots of fucking cursing) but there are some jewels of information in there. For daily critical thinking I suggest lewrockwell.
"Although is not online, I use a standalone version from http://jstock.sourceforge.net It got drag-n-drop boxes, to let me design my own indicators. However, it only contain technical analysis information, not fundamental analysis information. It does come with tutorial http://jstock.sourceforge.net/help_stock_indicator_editor.html#indicator-example, on how to to build an indicator, to screen ""Stock which Its Price Hits Their 14 Days Maximum"""
The Winning Investor http://winninginvestor.quickanddirtytips.com/ This is a blog and a podcast. Load a bunch of these onto your iPod and start listening. Stikky Stock Charts http://www.amazon.com/Stikky-Stock-Charts-professionals-smart/dp/1932974008 This is a beginner's guide on how to read charts. Lots of charts, not too many words.
"I'd start with a Google search for ""best backtesting tools."" Does your online brokerage offer anything? You already understand that the data is the important part.  The good stuff isn't free. But yeah, if you have some money to spend you can get more than enough data to completely overwhelm you. :)"
"I've just recently launched an open source wealth management platform - wealthbot.io ...  ""Webo"" is mostly targeted at RIA's to help the manage multiple portfolios, etc. Take a look at the demo at demo.wealthbot.io, you'll also find links to github, etc. there. It's a rather involved project, but if you are looking for use cases of rebalancing, portfolio accounting, custodian integration, tax loss harvesting, and many other features available at some of the popular robo-advisors, you might find it interesting."
I was going to comment above, but I must have 50 reputation to comment. This is a question that vexes me, and I've given it some thought in the past. Morningstar is a good choice for simple, well-organized financial histories. It has more info available for free than some may realize. Enter the ticker symbol, and then click either the Financials or the Key Ratios tab, and you will get 5-10 years of some key financial stats. (A premium subscription is $185 per year, which is not too outrageous.) The American Association of Individual Investors (AAII) provides some good histories, and a screener, for a $29 annual fee. Zacks allows you to chart a metric like EPS going back a long ways, and so you can then click the chart in order to get the specific number. That is certainly easier than sorting through financial reports from the SEC. (A message just popped up to say that I'm not allowed to provide more than 2 links, so my contribution to this topic will end here. You can do a search to find the Zacks website. I love StackExchange and usually consult it for coding advice. It just happens to be an odd coincidence that this is my first answer. I might even have added that aside in a comment, but again, I can't comment as of yet.) It's problem, however, that the universe of free financial information is a graveyard of good resources that no longer exist. It seems that eventually everyone who provides this information wants to cash in on it. littleadv, above, says that someone should be paid to organize all this information. However, think that some basic financial information, organized like normal data (and, hey, this is not rocket science, but Excel 101) should be readily available for free. Maybe this is a project that needs to happen. With a mission statement of not selling people out later on. The closest thing out there may be Quandl (can't link; do a search), which provides a lot of charts for free, and provides a beautiful and flexible API. But its core US fundamental data, provided by Sharadar, costs $150 per quarter.
For most of the people who are involved in the activity of investing in online stock trading, there will be the need of online brokers. With the investments in the online trades, people will be required to put their stock accounts in a particular platform. To know more about the best online brokers for stock trading, log on to http://www.stocktipsblog.com/
Google Portfolio does the job: https://www.google.com/finance/portfolio You can add transaction data, view fundamentals and much more.
TSP.Ninja http://www.tsp.ninja has all the TSP funds with good visualizations that are very similar to Google Finance.