vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Credit unions are mutually-owned (i.e. customer owned) financial institutions that provide banking services.  They take deposits from their members (customers) and loan them to other members.  Members vote on a board of directors who manage operations.   They are considered not-for-profit, but they pay interest on deposits.  They get some preferential tax treatment and regulation and their deposits are insured by a separate organization if federally accredited.  State-chartered credit unions don't have to maintain deposit insurance at all.   Their charters specify who can join.  They can be regionally based, employer based, or based on some other group with common interests.  Regulators restrict them so that they don't interfere too much with banks.  Otherwise their preferential tax and regulatory treatment would leave banks uncompetitive.   Other organizations with similar limits have gone on to be competitive when the limits were released.  For example, there used to be an insurance company just for government employees, the Government Employees Insurance Company.  You may know it better as GEICO (yes, the one with the gecko advertisements).  Now they offer life and auto insurance all over.   Credit unions would like looser limitations (or no limitations at all), but not enough to give up their preferential tax treatment.  Banks oppose looser limitations and have as much political clout as credit unions.
Thank you so much for this! Like you said, I think I have a unique story and went to CC for both financial reasons and I had some personal issues that got in the way that I had to take care of. I guess my biggest fear is the whole resume issue, I put down my CC and my major (I have a 4.0 in all my econ/accounting/business classes that transferred) and cumulative GPA, but people have told me to not list my CC GPA, although then I have nowhere to list a GPA and it omits a lot of important information and part of my story. I listed my intended coursework at UCLA and my major/minor.   I have made a list of some alumni that are MDs and VPs in the LA area, and I've been looking on LinkedIn for some recently graduated students, but I don't know how much of a help the recent grads will be.
Good! The article says it was some kind of collateral protection insurance that customers were signed up for despite it being unrequired for the loan. The accusations is that WF racketeered about 800,000 loans by bundling in this bunk insurance cost as part of the loan structure. I'm glad you're not caught up in it.
"I agree with the answer by @Michael that this number doesn't exist.  It's hard to see what use it would have and it would be difficult to track. I'm writing a separate answer because I also disagree with the premise of your question:  Individual shares of stock have never to my knowledge had such a number.  Your comment about numbers on stock certificates identifies the certificate document, which will generally represent multiple shares of stock.  That number no more identifies a single share of stock than the serial number on a $10 bill identifies any one of the ten dollars it represents.  Even at the ""collective"" unit of $10, when the bill is eventually replaced with a new one, the new bill has a new number.  No continuity."
"I worked one summer at WalMart.  The company song was a complete shock to me and I found it to be one of the creepiest things ever devised.  (there are ""moves"" that go along with the song/chant).  Some people actually seemed to be into it.    The song was just the beginning of the meeting though, where they would discuss how much revenue/profit the store made in the previous day (or week maybe I don't remember).  All I could think about was a) at least I don't actually have to do any work while I'm over here b) why to hell do I care what this fucking dump made yesterday?  I'm making minimum wage and I'll be making minimum wage tomorrow."
"By their agreements with the central counterparty - in the US, the exchange or the Options Clearing Corporation, which interposes itself between the counterparties of each trade and guarantees that they settle. From the CCP article: A clearing house stands between two clearing firms (also known as member firms or participants). Its purpose is to reduce the risk a member firm failing to honor its trade settlement obligations. A CCP reduces the settlement risks by netting offsetting transactions between multiple counterparties, by requiring collateral deposits (also called ""margin deposits""), by providing independent valuation of trades and collateral, by monitoring the credit worthiness of the member firms, and in many cases, by providing a guarantee fund that can be used to cover losses that exceed a defaulting member's collateral on deposit. Exercisers on most contracts are matched against random writers during the assignment process, and if the writer doesn't deliver/buy the stock, the OCC does so using its funds and goes after the defaulting party."
"It's interesting that the federal government actually has a set of criteria they use to fight against gangs by labeling them as ""Transnational Crime Group.""  What would happen if they applied the same standards to these corporations?  How similar are their current strategies for dealing with both?"
WilliamKF explained it pretty well, but I want to put it in a more simplistic form:
For each class A share (GOOGL) there's a class C share (GOOG), hence the missing half in your calculation. The almost comes from the slightly higher market price of the class A shares (due to them having voting powers) over class C (which have no voting powers). There's also class B share which is owned by the founders (Larry, Sergei, Eric and perhaps some to Stanford University and others) and differs from class A by the voting power. These are not publicly traded.
He helped build the world's biggest scam, where people effectively steal money from their future selves, and give part of it to Uber.  Because Uber is the world's biggest payday loan scam, with interest at 25%.   But instead of simply going to Uber to borrow money, you have to drive a fuckton of miles in your car, to borrow that money from yourself, and pay Uber for the privelege.  So, if you are driving for Uber, you are either retarded, or desperate, and most likely, both.
Please elaborate, how is it illegal to sue some institution because you think they violate the applicable law or the original idea of the Congress had for the FCC? Or do you mean the part of grouping together and collecting money? In my eyes that would be a normal activity for an activist group.
&gt;Honestly, how many tech savy people exist in Washington?  Plenty- they are the people who will actually seize your domain.    'How many people in Washington can operate an Abrams tank?' Not understanding a subject doesn't prevent legislators from issuing orders to people who do.
This is how I've understood this concept. Fibonacci nos/levels/ratios/%s is based on concept of sequential increment. You may find lot of info about Fibonacci on net. In stock market this concept is used to predict psychological level. While a trend is form, usually price tend to accumulate/consolidate at these level. How the percentage/ ratio make impact is  - check any long trend...Now draw a fibbo retracement from immediate previous high and connect it's low. You will see new levels of intermediate trend. In broader term you will find after reversal a leg (trend) is formed, then body and then head which is smaller; then price reverses. The first leg that forms if it refuses to break 23.6% or 38.2% then the previous trend may continue. 50% is normal; usually this level is indecision phase. Even 61.8% is seen as indecision but it is crucial level as it is breakout level towards 100%. Now if the stock retraces 100% then it is sign a new big trend is forming. Now for day trader 23.6%,38.2% and 50% level are very crucial from trading purpose. This concept is so realistic that every level is considered and respected. Suppose if a candle or bar starts at 23.6% level and crosses 38.2% and directly hits 50%. Then the next bar or candle will revert and first hit 38.2% and then continue with the trend. It means price comes back, forms it area at this level and then continue whichever direction the force directs it. You never trade fibo alone, you need help of oscillators or other tools to confirm it.
It has an anchor tenant, and a few other if I remember correctly. But yes, WTC is a huge money pit at the moment, and won't really be profitable for a while. And the toll rates are going up, but it's more complicated than just WTC, there are a lot of other projects going on that need to be funded as well.
What area of finance? Institutional finance (equity research, investment banking) is a non-starter with no experience unless you're Jesus.  And if CFA level 1 material is intimidating, reconsider, as those are the basics of a finance undergraduate degree.   PM me your prospective employer if you like. I'm probably twice your age and have the CFA charter and several other finance qualifications, so I'm not going to be applying there.   I will be able to give better insight as to preparation and your chances.
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Serious question - I don't work in finance, but I always hear how the big finance firms only hire the best and brightest and if they don't know anything, they'll pick it up quickly. How is it possible that those who work in derivatives find it that difficult to explain them. resistite's definition of derivatives is essentially what is taught to any beginner, so I don't quite understand how anyone with a finance background would find it difficult to explain (at least at a very general level).
"You're looking at the ""wrong"" credit. Here's the Wikipedia article about the bookkeeping (vs the Finance, that you've quoted) term."
Yeah his card doesn't explain much, but I'm guessing he'll explain everything at the interview. Im more so interested in if there was anything that could be known universally amongst financial jobs that would be beneficial to know. I'm extremely organized and my interpersonal skills I think are what got me the opportunity in the first place, but I'm jw if there are any key financial terms/ processes that would help me go above and beyond.
&gt; Why is it not considered to be misleading business practices?  because the details (of below) were either included or available online  &gt; some sort of advance loan program  ...some sort of contractual agreement  it's legit but high interest
Does it teach anything else other than the DCF approach?  I've already learned that in on of my financing courses. I'm more interested in the more exotic valuation techniques, and how to use and weigh multiple techniques for valuation.
"Sometimes a business must keep track of overhead expenses that can be used to determine the rates they will bill their customers especially the government. When determining the rates they are allowed to charge the government they have to include direct costs and indirect costs. These indirect costs include allowable overhead and G&A. They can also include profit, but the government limits the maximum profit. Any unallowable expenses have to come out of profit.  Unallowable expenses include: ""Costs of amusement, diversions, social activities, and any directly associated costs such as tickets to shows or sports events, meals, lodging, rentals, transportation, and gratuities are unallowable."" When they talk about meals and lodging being unallowable they are referring to those not needed to support the contract. If the contract expects the contractor to travel they will generally provide a travel budget that is separate from the amounts used to determine the hourly rate. The term slush fund has the connotation of being illegal or hidden. Slush funds are used to bribe officials or are leftover funds that were supposed to be spent, and are now being hidden so that they can be misused at a later date."
Urban spoon is a property of citysearch.com who changed their name to citygrid for whatever reason.  The owner Barry diller who operates IAC also owns college humor, the former ask Jeeves and a bunch of other half ass media companies and is a Forbes 400 richest. His building, the iceberg building in nyc is impressive though.  Regardless they also work with 'orange soda' a 'SEO' company that has become particularly useless after the Google panda update and they, like others, have been accused of click fraud.  Nobody clicks ads, these companies need money from somewhere (or somebody)
I see, I'm not familiar with how the US works but I had always assumed that ratings agencies existed to audit firms and actually had some legal authority.  If the issue comes from legal grey areas though, isn't it still fair to assume that better regulation would fix the issue? Why wouldn't giving ratings agencies protection in the way of government funding, and actual authority over firms, fix the issue?   I just feel like CDOs are an interesting security and I don't know why, as long as fixed income securities are being accurately represented, that they wouldn't be a viable investment choice.   Edit: also please note, I am but a lowly final year university student so bear with me if I don't make sense. I'm just trying to understand this whole concept and lord knows fixed income isn't my strong suit.
"&gt; Who's behind these investments exacly?  Investors  &gt; Could it be literally anyone and if so why do they hide behind these nominee companies?  It's not for the purposes of ""hiding,"" but more for administration purposes. For example, JP Morgan Nominees will have a direct account that does all the trading *on behalf* of clients. Clients then have a subaccount *within* the nominee account. It just makes it easier for everyone to trade on *one* account overall and then allocate it appropriately after the fact.  &gt; Do all banks have some kind of wealth management/funds management business?  A LOT of them do."
"Well, stay in ignorance then and ""trust"" the official sources and listen to the ""official story line"" all you want -- just don't call it ""science"" because it's not, it's *politics*. (I mean they would never LIE to you would they? Saddam MUST have had WMD somewhere... etc.)  What you are neglecting is that most of those ""Official PhD sources"" are engaged in ""cover the asses"" of their own industries &amp; professions.  And there are plenty MD's and PhD's who have testified to the source problem -- plenty of well-documented KNOWN incidences of resistant strains long before antibiotics were used in animal feed -- the official orgs are just in a combination of poltical denial, CYA, and shift-the-blame mode.  Do you seriously think that antibiotic resistant bacteria ([which pre-existed the use of antibiotics in animal feed](http://en.wikipedia.org/wiki/Antibiotic_resistance#Causes) -- and especially [MRSA (circa 1961)](http://en.wikipedia.org/wiki/Methicillin-resistant_Staphylococcus_aureus#History)) were somehow *caused* by using antibiotics in animal feed?  What did the cows do, jump back a couple of decades with a cows-only time-machine and infect humans?  I mean, get real already.  The BS about people being infected with MRSA by cows is far beyond being dubious, it is simply historically false and virtually impossible (if anything it has to have been the other way around because MRSA was found in humans {hospitals} first... the same with VRSA and VRE -- they were all *iatrogenic* -- DOCTOR-bred)."
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For cash, SIPC insurance is similar to FDIC insurance. Your losses are not covered, but you're covered in case of fraud. Since your cash is supposed to be in a trust account and not commingled with brokerage's funds, in case of bankruptcy you would still have your cash unless there was fraud.
Not to be an asshole but the fact you are even asking the above tells me any form of financial service may not be for you.  How the fuck can you be licensed and not have a basic understanding of what it means? And even further, that rules for doing/not doing are much more determined by individual jobs and firm rules than by some industry exam.  You have confirmed my belief that our industry licensing is equivalent to a food handler's card, thank you.
An auto title loans are typically utilized by those that wish to obtain a funding with bad credit rating or no credit in any way. An auto-mobile title lending frequently called a vehicle title lending or merely title funding as well as pink slip funding’s. You merely should have a vehicle that is paid off or nearly paid off and also you could make use of the auto title as security to obtain the cash money you require, enabling you to continue driving your vehicle while paying your loan.   Get Auto Car Title Loans West Covina CA and nearby cities Provide Car Title Loans, Auto Title Loans, Mobile Home Title Loans, RV/Motor Home Title Loans, Big Rigs Truck Title Loans, Motor Cycle Title Loans, Online Title Loans Near me, Bad Credit Loans, Personal Loans, Quick cash Loans  Contact Us: Get Auto Car Title Loans West Covina CA 1203 W Francisquito Ave # 1207, West Covina, CA 91790 626-653-4292 atlwestcovina@gmail.com http://getautotitleloans.com/car-and-auto-title-loans-covina-ca/
"What is ""microlearning?""  After just checking Google, and after reading through the corporate jargon, it sounds like it's a fancy way of saying ""I don't know the answer to this question, so I'm going to Google it.""  Did I just ""microlearn"" without even realizing it?"
The word you're looking for is usury - the crime of lending money at rates above an amount set by law.
After completing 4 years of undergrad in accounting, I was planning to complete my CA. But I haven't been able to get a job with one of the big four here in Canada. Currently working in corporate sales.  I think having a CPA/CA/CMA/CGA whatever is quite beneficial in the finance industry. Of course it's not mandatory for the most part and CFA makes a lot more sense, but it gives you a better understanding of how numbers/ratios are actually created.   If anything it will give you a leg up from other people. It certainly won't hurt to have. Do you mind me asking which firm you're with?
Certainly makes me more level-headed about money. Lottery winner syndrome is just not a risk for me (partly because I'm now on the board of charities, and oversee an endowment.) Donating generally will reduce suspicion (criminals don't do that), but donating to a DAF even moreso. Since the DAF would have to return ill-gotten gains, they're involved. Their lawyers will back you up. The prosecutor is up against a billion dollar corporation instead of just you. With Fidelity particularly, Bitcoin is a crusade for them, and their lawyers know how to defend Bitcoin. A Fidelity DAF is a good play for that reason alone IMO. ** The gory details: Presumably you are donating to regular charities or a Donor Advised Fund, and these are ""50% limit organizations"". Since it's capital gains, you have a 30% limit. If your donation is more than 30% of AGI, or if you have carryover from last year, you use Worksheet 2 in Publication 526. You plug your donations into line 4, then the worksheet grinds through all the math and shows what part you deduct this year and what part you carryover to the next year. *** I specifically asked managers at two DAFs whether they were OK with someone donating a complex asset to the DAF, and immediately giving the entire cash amount to a charity. The DAF doesn't get any fees if you do that. They said not only are they OK with it, most of their donors do exactly that and most DAF accounts are empty. They make it on the 0.6% a year custodial fee on the other accounts, and charitable giving to them. Mind you, you can only donate to 501C3 type charities, what IRS calls ""50% limit organizations"". This actually protects you from donating to organizations who lie about their status. **** I'm not with Fidelity, but I am a satisfied DAF customer. The DAF funds its overhead by deducting 0.6% per year from your giving account.
It's hard to fathom what Boeing was thinking with this strategy.  The [Theory of Constraints](http://en.wikipedia.org/wiki/Theory_of_Constraints) is a pretty fundamental business theory that predicts their ability to manufacture a quality airplane profitably will only be as good as their weakest supplier.  In other words, outsource too much and you're almost certain to lose.
Leverage comes in many forms.  You'll learn about things like operational leverage, financial leverage, and total leverage throughout school.  In the real world, tier 1 capital ratio has become the most commonly scrutinized because it is essentially a ratio of the core equity capital of a firm divided by the risk weighted assets (assets multiplied by a credit weighting which for most banks now a days is using the standard of Basel 2.5 and moving towards Basel III).  The multiples you talked about were references to the reciprocal of this formula.  You could reciprocate the T1C ratio and get a whole number that is the multiplier.  This multiplier would show for every 1$ in core capital, how much the firm held in risk weighted assets.  The 30x number would have represented a tier 1 cap of 3.33%.  The concept behind it being, a 10% growth in risk weighted assets with a 3.33% T1CR would result in a 300% growth in core equity capital value.  As proven in 2008, it is a double edge blade and works the same way in both directions.