vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"From my recollection of Warren Buffett's book ""Warren Buffett and the Art of Arbitrage"", the following factors determine the difference between the market price of a stock and the future expected price of an acquisition or merger: Time: Assuming the deal will close, the market price should approach the offer price as the closing date approaches. The fact that there is a 14% spread partially reflects the time value of money. Probability: Things could happen between now and closing date which could derail the deal. The higher the spread the more likely the market thinks the deal will not occur. For example, LO shareholders could reject the offer saying it is too low, or anti-trust regulators could say the deal is anti-competitive. Part of this 14% spread indicates the probability of the deal completing."
Now, whilst you recognize how beneficial a power bank institution is, it is pertinent to figure out how to choose a strength bank that high-quality suits your device and requirements for the cell phone. The maximum important element is to test the battery size of your cellular cell phone or tablet and compare it with the potential of the power bank institution. The ability of a power bank has to be at least the same as the battery length. This selection basis will make sure which you pick out a strength bank, which gives you minimal 1-complete charge in your cellular telephone. Another vital thing that should be taken into consideration whilst buying energy bank online is its type. Each kind plays in another way and accordingly, you should pick out the one that high-quality fits your requirements.
"While JoeTaxpayer gave a very insightful answer, and clearly the best answer, let me break it down really simple for you. Talk with a good to great property management company. Given that you will be out of state, you will need one anyway.  A good one is worth their cost, a great one even better.   They will tell you what the ""market will bear"" on renting your place and the expected costs.  From there you can make an intelligent decision.   Have you had any experience in running rental properties?  I am going to assume not, and as such you should have professionals as part of your team.   More than likely you will have to put money in to sustain this property as a rental.  It is just how the numbers tend to work out."
Three big ones that are common in almost all banks (though, individually, they may have other criteria): Other criteria I've seen (while working in the banking industry - varying by bank): the average balance you keep on deposit accounts (checking/savings/CDs/etc), number of overdraft fees in the past 12 months (one bank I worked for wouldn't approve a credit card if a customer had more than 5 overdrafts in the past year), the length of time a customer had been with the bank. Note that a credit card only company, like AmEx, may have different criteria in that they don't offer all the other type of accounts that other other banks do.
When you say that you are not sure 'what amount of money would make a difference in the future', it indicates that you have not clearly identified your long term financial goals. Consider monthly budgeting to be one of the stepping stones to long term financial planning. How much you can 'afford' depends not only on your savings and income, but also your future expenses. If you want to buy a house in 2 years, for example, you may want to scrimp and save just a little longer, to secure a larger down payment. If you want to retire early, then similarly saving money now should bring you not short term financial wealth, but long term security. How much you can 'afford' will depend on how your current financial situation matches up with your future goals. The rules of thumb you listed (ie: % of income) may be good starting places, but that doesn't mean they are the right answer for you, in your current situation.
I'm a two time Dungeons and Dragons World Champion - or whatever.  There are as many ways to answer your question as there are ways to be competitive. But that's not the point. I think you're doing yourself a disservice by employing a pop-psychology approach that has very little value in evaluating potential candidates. You'll succeed in picking out who shares your interest in sports, but little else. Even the famous [Meyers-Briggs Test](Meyershttp://en.wikipedia.org/wiki/Myers-Briggs_Type_Indicator#Reliability) has been generally dismissed as unreliable.  Seeking information in a roundabout way is like shooting an arrow into the air and hoping to hit the bullseye. Just aim directly for the target and you'll get better results. If you want to know if someone is competitive, ask them if they're competitive. - explain why a competitive nature is important. Complete transparency and honesty is always the best approach.   Any trained psychologist will tell you (and I know several) that your method is not only ineffective, but recklessly assumptive.
It depends on your career objectives, and what type of firm you want to end up at. Ranked 22 is still a good school.  If you want to start your own firm, then school rankings don't matter at all.  In my experience: hard work and emotional intelligence have more currency than going to a top 10 school.
Genetics and the environment you were raised in are entirely determined by luck. Developed from both of these are all of your traits, preferences, psychology, and personal philosophy through nurturing acceptance, enlightened exposure or rebellion. Taking responsibility for your actions and in-actions is what you did.   You have preferences to be sociable, convincing, hard-working, and good at whatever it is you do (broker?). All of these things are marketable and in line with a good strategy for our western/nepotistic/capitalist culture and the modern state of human nature. All of these things build up your sense of self and have you feel empowered and guess what: having confidence is also a desirable trait!   So lets say we take one of these traits away. Through the result of your upbringing and your genetics you are no longer sociable. Examples: genetics, child abuse, constant verbally abusive/belittling parents, etc. Luck of the draw. I wouldn't say that is the child's fault for being in that situation would you? So, now you are not sociable and you cannot network effectively. There goes your career. How unlucky.
The corollary of this is that you should consider the pressure off. They yell at you? Who cares? Fuck 'em. Just make small improvements as per the above, do it for yourself, and consider the pressure off. Coping: find a fulfilling evening activity or goal. TV doesn't count. Reading is good. Bicycle racing is good (depending of course where you are geographically). Whatever. Make time for this activity, it will keep you sane. PLUS, being GOOD at something else, even a hobby, will validate you and help you be less shy. Remember, this early in your career, it's all upside, so make the best of it while there isn't as much at stake."
"I would not call this a ""good"" idea. But I wouldn't necessarily call it a bad idea either. Before you even consider it, you need to do a little bit of soul searching. If there is ANY chance that having multiple credit cards could entice you to spend more than you otherwise would, then this is definitely a bad idea. Avoiding temptation is the key to preventing regrettable actions (in all aspects of life). Psychoanalysis aside, let's take a mathematical approach to the question. I believe your conclusion is correct if you add some qualifiers to it: A few years from now, then your credit score will probably be higher than if you just had 1   credit card. Here are some other things to consider: And, saving the best for last: As for the hard inquiries, they should only have an effect on your credit score for 1 year (though they can be seen on your report for 2 years). Final thought: if you decide to do this (and I personally don't recommend it), I would keep the number of applications smaller (3-5 instead of 10-15). I also would only choose cards that have no annual fee. Try to choose 1 card that has 1-2% cash back and make that your regular card."
I think the answers you're going to receive are all going to be a bit subjective. Looking at it from a high-level point of view, having this budget nailed down lets you analyze: Now you've got your budget, stick to it! This is really the most important part. You've done your homework, now make sure you don't exceed it without a good reason. If you're under budget in any given month, have a plan on what to do with the excess funds. If you go over budget on a certain area, you can react accordingly.  I, personally, recommend hiring a financial planner. Ours has been a huge help with looking further down the line than we had been originally. If you show up to your first meeting with an FP and have this budgetary breakdown ready to go, you'll probably get a high-five. Well done, you!
"It's important because I don't believe that luck is just something that happens to someone. ""Luck"" is a series of choices that someone makes, be they conscious or unconscious that helps them arrive at their destination.   When you meet someone at a dinner that happens further your career or becomes someone you do business with, etc, a series of choices that you made, be they good or bad, helped you arrive at that place in time. Once again, how is that luck?   It comes down to intuition and understanding which is the best road to take. The same applies to a scenario that includes Rupert Murdoch, etc. Something tells me that if I met either of those guys that you mentioned, something would probably rub me the wrong way, which in turn would influence my choice to follow or walk away."
"Unless your stinginess has reach truly compulsive levels, it should be enough to consciously remind yourself of the value of your time when you make purchase decisions or find yourself chasing minor savings. Another way might be to deliberately give yourself a monthly or weekly budget that you're allowed to ""waste"" on luxuries and conveniences without worrying."
Being lucky is definitely a part of it, but being smart on how to navigate each choice is NOT based on luck.   Think of a blackjack game. A game based on luck, but you can make logical moves that can help you win. Do you double-down on an 11 with 3 face cards on the table?, probably not. Do you split the tens with lots of low cards on the table?, yes.  So to think it's only luck that determines one success is naive.
"There is no objective ""should"". You need to be clear why you're tracking these numbers, and the right answer will come out of that. I think the main reason an individual would add up their assets and net worth is to get a sense of whether they are ""making progress"" or whether they are saving enough money, or perhaps whether they are getting close to the net worth at which they can make some life change. Obviously shares or other investment property ought to be counted in that. Buying small-medium consumer goods like furniture or electronics may improve your life but it's not especially improving your financial position. Accounting for them with little $20 or $200 changes every month or year is not necessarily useful. Things like cars are an intermediate case because firstly they're fairly large chunks of money and secondly they commonly are things people sell on for nontrivial amounts of money and you can reasonably estimate the value. If for instance I take $30k out of my bank account and buy a new car, how has my net worth changed? It would be too pessimistic to say I'm $30k worse off. If I really needed the money back, I could go and sell the car, but not for $30k. So, a good way to represent this is an immediate 10-20% cost for off-the-lot depreciation of the car, and then another 12% every year (or 1% every month). If you're tracking lifestyle assets that you want to accumulate, I think monetary worth is not the best scale, because it's only weakly correlated with the value you get out of them. Case in point: you probably wouldn't buy a second-hand mattress, and they have pretty limited resale value. Financially, the value of the mattress collapses as soon as you get it home, but the lifestyle benefit of it holds up just fine for eight years or so. So if there are some major purchases (say >$1000) that you want to make, and you want to track it, what I would do is: make a list of things you want to buy in the future, and then tick them off when you either do buy them, or cross them out when you decide you actually don't want them.
"Universal Steel of America understands the importance of helping our clients make the right decision and the long term impact that decision can have on them. In the spirit of doing good business, Universal Steel of America welcomes the relationship and expectation of our client. We certainly know that ""Our Success"" will always be measured by their happiness, ensuring new and repeat business and helping keep us at the forefront as one of the industry's design-build technology leaders."
"please explain, and use historic example if you would, how purchasing your own debt is a  1) Solid financial decision  2) Historically successful for another country.  Oh right, you can't. Because its not.  Maybe you don't have an ""understanding"" of economics, loser."
Here's another way to look at this that might make the decision easier: Looking at it this way you can turn this into a financial arbitrage opportunity, returning 2.5% compared to paying cash for the vehicle and carrying the student loan.  Of course you need to take other factors into account as well, such as your need for liquidity and credit. I hope this helps!
When choosing a doctor, we often ask friends and family who’ve had experience with him / her. If you want to buy a car you’ll most probably consult review websites that feature customer feedback about the specific dealer. The same applies to web development. Let’s say one is looking for competent Web development Gatineau services. A good idea would be to review its body of work and customer reviews.
Once Bob includes his life perspective in the mix, and doesn't look just at the cold hard dollars on the table, Bob can make a more educated decision. Just to throw more options on the table, Bob might rationally choose to do any one of a number of other options which are not extremes, in order to find a happy medium that best fits Bob's life needs: * I intentionally chose to label Fund #1 as stocks and Fund #2 as bonds, even though this is a terribly crude assumption, because I feel those words have an emotional attachment associated to them which #1 and #2 simply do not. Given that part of the argument is that emotions play a part, it seemed reasonable to dig into underlying emotional biases as part of my wording. Feel free to replace words as you see fit to remove this bias if desired."
If you are interested in this stuff, S&amp;P produce a sovereign rating methodolgy, in which they will tell you exactly what factors they look at.  Once you read this, you can obtain their latest rating report on India and Spain to understand how they applied said methodology in each case. (Not sure if this is free)
"Ask yourself, where do you want to go and what do you want to do?   It may be worthwhile to set out some goals, alternatives or a so-called ""bucket list"".  This would provide more structure to your budget than a flat rate prescription.   Are your contenders the kind of thing where you might save up several years and have a big trip once or twice a decade or even once in your life (Antarctica cruise!) or more planning out annual vacations?  Would you seek trips to connect to another hobby (art museums, battlefields and historical sites, wine regions, performances of any kind - opera, sports, Broadway musicals), or do you simply want to get away to the beach for a few weeks a year?  Do you want 4 star hotel amenities?   The answers to these will help you figure out what and how to budget. Bon voyage!"
"Good debt and ""Bad debt"" are just judgement calls.  Each person has their own opinion on when it is acceptable to borrow money for something, and when it is not.  For some, it is never acceptable to borrow money for something; they won't even borrow money to buy a house.  Others, of course, are in debt up to their eyeballs. All debt costs money in interest.  So when evaluating whether to borrow or not, you need to ask yourself, ""Is the benefit I am getting by borrowing this money worth the cost?"" Home ownership has a lot of advantages: For many, these advantages, coupled with the facts that home mortgages are available at extremely low interest rates and that home mortgage interest is tax-deductible (in the U.S.), make home mortgages ""worth it"" in the eyes of many. Contrast that with car ownership: For these reasons, there are many people who consider the idea of borrowing money to purchase a car a bad idea.  I have written an answer on another question which outlines a few reasons why it is better to pay cash for a car."
"I think the key to this question is to think about how people tick. The underlying assumption in any decision that measures monetary value or other economic principles is that we're rational actors in a global marketplace.  Life isn't a ledger or a taxi on a meter. If you have time on your hands or enjoy the act of driving when you run your errands, that diversion to save a dime on gas isn't a net loss, it just is. That may be a different story if you need to get your rental car returned so that you can fly home -- in that case, you're ok with getting hosed by the gas station strategically located between hotels and the airport. Our motivations are deeper than that. Some people get a feeling of satisfaction or security from always getting the ""best deal"". Some folks visit a particular gas station because the clerks are friendly or the coffee is good. Others want to pay more -- they buy ""premium"" gas from Exxon/Mobil because they are premium people who ""buy the best""."
"I find those ""government checks"" arguments to be more appealing in theory than in reality. Ultimately, it comes down to deciding who gets what... and who gets to be the decider. Capitalism is far from perfect, but it decides who gets what through the individual, decentralized choices of everyone. Again, it's not perfect by any means, but it is dispersed - and everyone makes decisions for themselves, not for other people. Government action decides who gets what through a highly indirect process of electing politicians, and decisions are made by a small group of people, who are under, practically speaking, very little oversight or control. A few people make decisions for everyone else. Government action is, despite all our desire and efforts to avoid this, necessarily subject to the same disparities in influence/control as the market ... It may come in different forms, and the consequences may manifest differently (often less readily apparent), but there is no avoiding the ""a few people have a lot more control than everyone else"" problem. Governments are more prone to corruption because they trade the intangible currency of ""power"" in addition to money. No matter how you go about doing so, it's always easier to counteract a private actor than a government (given roughly equivalent levels of influence, obviously). I understand the desire for intervention, but I think we have a scary tendency to place far too much weight on good intentions, and far too little weight on consequences. It's so easy to think things through in your head (I do often) and come up with a plan that could obviously work exactly as intended for everyone's benefit. In doing so, we forget that people aren't pawns to be guided through life for someone else's vision (or pursuit of utopia or anything else) . ... they have lives, desires, interests, plans of their own, and theirs are just as valid as yours or mine. The reality is that you and I are probably far more similar than either of us would guess.
Taking into account your POV I would recommend mostly goods that will be harder to obtain, precious metals (not only gold) and forex (although the forex aproach depends on some other country not having troubles with it's own economy which in a world as interconnected as ours by internet and all the new technologies doesn't seem likely)  i highly recommend silver which is cheaper than gold and is stable enough in the long term
"You ask a few different, though not unrelated, questions. Everywhere you turn today, you hear people talk about how much they need to save or how important it is to find a good deal on things ""in this economy"". They use phrases like ""now more than ever"" and ""in these uncertain times"". It seems to be a lot of doom and gloom. Some of this is marketing spiel. You may notice that when the economy goes south the number of ads for the cheaper alternatives goes north. (e.g. hair clippers, discount grocery stores, discount just about anything) Truth is, we should always be looking for ways to save money on goods and services we purchase. The question is, what is acceptable to you for your desired lifestyle. (And, is that desired lifestyle reasonable for your income, age and personal situation.) Generally speaking, the harder times are the more we find discounted/cheaper alternatives acceptable. Is there really a good reason that people should be saving more than spending right now? How much you are putting away is a personal matter. I can still remember my dad griping whenever he couldn't save half of his paycheck. That said, putting away half your paycheck may lead to a rather austere lifestyle. This, of course, depends on the size of your paycheck and your desired lifestyle. You could be raking it, living simply and potentially put away more than half your income with relative ease. If you have a stable job, and a decent cash reserve, is it anymore ""dangerous"" to make a large purchase now than it was seven years ago? Who knows? Honestly, no one. Predicting the future is a fool's errand. (If you are interested in reading more on this view point, I suggest The Black Swan.) You mention the correct approach in this question. Ensure that you have liquid assets (cash or cash equivalents, i.e. money that you can draw on immediately and isn't credit) which covers at least 3-6 months of your necessary expenses (rent/mortgage, bills, car payments, food).
Discovering the deeper elements of your friends' situation is much more complicated than giving them money or paying for a financial counselor (neither of which are bad things), but it may make a tremendous difference not just in your friends' bank account, but in their lives as well. My wife and I have experienced all of this first-hand, so I know the predicament you are in. We've even had people in tough financial situations live in our home with us. In all the situations in which we've been close enough to understand context, money wasn't the primary issue. It's always been something else, more often than not family, but not always. I've found the book When Helping Hurts helpful for gaining some perspective, though it's not a perfect match (since it deals more with poverty on a grand scale). You may still find it helpful in terms of general principles, but, ultimately, each situation is going to be unique and no one-size-fits-all strategy exists to solve all problems. In the end, building a deeper relationship is the best path toward finding a long-term solution."
Did I make the right choice? Only you can determine that. Financial security and stability are not worthless, but they do not have infinite value either. Any time you go out for a walk you're trading a small amount of financial independence for personal satisfaction, since you could be struck by a car and become disabled. That's a silly example, and you're risking much more financial security by changing jobs than by going for a walk, but it illustrates that sometimes risk is worth it. Would changing jobs be worth the risk that you could end up unemployed? Only you can determine that.