vania-janet/multiturn-rag-retrieval-data huggingface dataset:
I visited annualcreditreport.com to get my annual credit report.  It is only the report, not the score or FICO score.  This is the only outlet I know of that allows you to get your report for free, without a bunch of strings attached or crap to sign up for and cancel later. It was very easy.  I was wary of putting in my private information, but how else can they possibly pull you up? Read the instructions carefully.  You go to each bureau to fetch your report, and they dutifully give you a free report, but they push hard to try and sell you a score or a report service.  It is easy to avoid these if you read carefully. Once you get a report,  you have print it out or you can't see it again for another year.  Each bureau has a different site, with different rules, and different identity checks to get in.  Again, read the instructions and it isn't hard. Instead of printing, I just saved the page as HTML.  You get one html file and a folder with all the images and other stuff.  This suits me but you might like to print. After you get each report, you have to click a link to back to the annualcreditreport.com site.  From there you go to the next bureau. Regarding a score.  Everybody does it differently.  Free Issac does FICO, but anybody who pulls your credit can generate a score however they like, so getting a score isn't anywhere near as important as making sure your report is accurate. You can use credit.com to simulate a score from one of the bureaus (I can't easily see which one at the moment).  It is as easy as annualcreditreport.com and I have no issue getting a simulated score and report card.
I'll have to read the discussion.    I did mean owed.  A quick reading of the decision seemed to indicate that the law they were considering was for 3rd party debt collection agencies.  They decided that if the company was directly owed the money, they weren't under that law.   If it was a unanimous decision it seems like there must have been something pretty obvious about it.  Thanks for the link to the discussion.
"A **Synthetic CDO** is the devil incarnate.  From the CDS buyer (aka Insurance buyer's) point of view: if you want *protection* on some credit/debt-security/loan and **can't find a willing counterparty**, just get ""investors in a CDO"" to supply it, in small portions in mass!  The poor tranche buyers won't even be aware that their **""tranche LOSS""** constitutes final full default-recovery payment on the defaulted credit to the CDS buyer.   CDOs are making a come back (slowly but surely) b/c there's a lot of ""JUNK"" accumulated in the **""Levered Loan/Mezzanine Market""**. So industry finds it's favored vehicle to dispose of said junk, hiding behind two counterparties couched in different semantic cloaks: ""CDS BUYER"" on one side, and ""CDO INVESTOR"" on the other.  To boot, red-meat free-market publications like WSJ then say (asif) ""O, buyers are dying for yield, there's great demand"". LOL. This completely obfuscates fact that a humble cdo investor is **entering the INSURANCE BIZ** against some very dodgy ""assets"".  (would you insure stage IV cancer patients for $1mn at annual premium of, say $5000?)"
My guess would be a black American express. Or, the accountants will make them switch out throughout the year to get maximum benefits. Sometimes, 1% maxes out at a certain amount, so they'll use a different CC every quarter or so.
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 Title Loans in Lake Elsinore 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 Title Loans Lake Elsinore CA 45045 Bronze Star Rd.  Lake Elsinore, CA 92532 951-816-6285 lakegatl@gmail.com http://getautotitleloans.com/car-and-auto-title-loans-lake-elsinore-ca/
No one pays 35%, due to the loopholes. Effective tax rates (what they ACTUALLY pay) are lower for major corps than most individuals.   &gt; Does it not make more sense to lower the corporate tax rate while reducing loop holes etc... to make the American corporation more competitive.   This makes sense, but people put those loopholes in there to help themselves and they'll fight to keep them. It's such a mess of tax code.
Generally, when I run across this kind of situation, I look for the Investor Relations section of the corporate website for a 'Stock Information' (or similar) tab or link.   This usually contains information explaining the different shares classes, how they relate (if at all), voting and/or dividend rights, and taxation differences for the different classes. However, I have trouble finding such a page on a central BYD corporate investor relations page.   I did find this page detailing the HK1211 shares: http://www.byd.com/investor/base_information.html.  I don't know what or why, but something tells me this is an older page. Searching on, I also found this page which looks newer and clarifies that the difference you are seeing is between 'A' and 'H' shares. http://www.byd.cn/BYDEnglish/basic/article.jsp?articleId=1524676.  (I'm guessing but I'd think somewhere in the announcements on this byd.cn site, you may find more details of any structural differences between share classes -- I just didn't want to page through them all.)
"Members of the Federal Reserve System keep track of what money a bank has (if it's not in the vault), who owns what shares of stock, who owns what bond, etc. The part of the Federal Reserve System that tracks stock ownership is the Depository Trust Company (DTC). They have a group of subsidiaries that settle various types of security transactions. DTC is a member of the U.S. Federal Reserve System, a limited-purpose   trust company under New York State banking law and a registered   clearing agency with the Securities and Exchange Commission. There's lots of information on their website describing this process. DTCC's subsidiary, The Depository Trust Company (DTC), established in   1973, was created to reduce costs and provide clearing and settlement   efficiencies by immobilizing securities and making ""book-entry""   changes to ownership of the securities. DTC provides securities   movements for NSCC's net settlements1, and settlement for institutional   trades (which typically involve money and securities transfers between   custodian banks and broker/dealers), as well as money market   instruments. Black pools are trades done where the price is not shared with the market. But the DTC is the one who keeps track of who owns which shares. They have records of all net transactions2. The DTC is the counterparty for transactions. When stock moves from one entity to another the DTC is involved. As the central counterparty for the nation's major exchanges and   markets, DTCC clears and settles virtually all broker-to-broker equity 1. This is the link that shows that settlements are reported on a ""net basis"". 2. If broker A sells 1000 shares of something to broker B at 8 and then five minutes later broker B sells the 1000 shares back to A, you cannot be sure that that total volume will be recorded. No net trading took place and there would be fees to pay for no reason if they reported both trades. Note: In dark pool trading quite often the two parties don't know each other. For shares (book-keeping records) to be exchanged it has to be done through a Clearing House."
"Your ignorance of global finance and business is showing through. &gt;Nothing ""conspiratorial"" - just standard tax optimization scheme as shown by Google &amp; Apple. The tech industry is fundamentally different from retailing. That you can't see this is mind boggling. There is nothing ""standard"" about the tax optimization schemes done by Apple and Google that can be copied by grocers. Apple and Google have vast international operations with revenue coming from multiple countries. They are asset light and have very high profit margins. Grocery stores have very small / negligible international operations and are asset heavy. Try also have very low profit margins. &gt;From the point of supply and demand, they are actually overpaid - lots of desperate people that agree to the barest minimum allowed by law (and below that, if you include illegal aliens). Still doesn't mean they are paying the living wage. Mentioning living wages in an argument about supply and demand tips off that you have no clue what you are talking about. Living wage is irrelevant to the supply and demand for labor. What you call ""desperation"" for a job dismissed many of the perfectly logical reasons why somebody may choose to work for a low wage. You assume that the equilibrium wage for grocery store workers is below the minimum wage - falsely. Walmart workers make more than minimum wage, on average, before benefits are taken into account. Illegal aliens can't do most grocery store jobs because (1) they can't speak English, and (2) they probably can't do the math needed to be a cashier. Teenagers (the vast majority of minimum wage workers) are increasingly choosing not to work. The supply of people that are able to do these types of jobs is probably not much bigger than it is already. &gt;20% are imported. And they don't have to set up a ""supply chain"" - just the bare minimum to legally siphon funds into another company they own, be it via interest on credit, rent, intellectual property (i.e. franchise or trademark payments) or anything else. This is laughable, do you really believe this? Grocery stores have absolutely MASSIVE supply chain risk.
What is your career goal for the CFA? I'm asking because there are quite a few financial careers where to CFA is quite useless. It would be pretty miserable if you wasted your time getting a certification that wasn't helpful.
"Interesting read. I'm not trying to get political with this post, but it's something that I found genuinely interesting while reading this article.   My dad is an accountant for a large corporation and described tax law as ""15% white, 15% black, and 70% gray"". I'm sure that Cat isn't the only company that is trying to avoid paying US corporate tax rates—regardless of where it falls on the legality or white/gray/black spectrum. This case may be somewhat of an outlier in that it's pretty clear there was some shady tax avoidance and the tax sum is large ($2Bn). Yet, I couldn't help but feel that the amount of government intervention, lawyer/court fees, whistle-blower payout, not to mention company productivity loss from the avoidance, cleanup, etc. puts a damper on the expected value of this case for the general American citizen or tax-payer.  Which leads me to my point. There was some talk recently about the corporate tax rate being dropped down to 15%. I'm someone who generally leans left on issues, but are there legitimate benefits to this? It seems that large corporations simply employ huge teams of accountants to game the tax code and never end up paying anything close to the 30%. Would reducing the rate eliminate a lot of this tax avoidance behavior and result in more system efficiency, while the government returns roughly equal sums of tax revenue from corporations? It would obviously be beneficial to smaller businesses that can't afford the legal means necessary to pay lower rates as well.   From a progressive standpoint, my worry with dropping the rate is that companies would still find ways to simply squeeze more and more profit for the bottom line. It'd be interesting to find a way to leverage reducing the tax rate on large corporations by somehow tying it to increased pay and benefits to workers. I'm not sure of the proper implementation, but letting corporations keep more of their money without the hassle of ""setting up 70 shell companies"" and incentivizing them to re-invest in workers, R&amp;D, etc. makes more sense than companies never paying 30%, and even when caught for illegal acts, being tied up in court for 10 years.   I'll end here because I'm beginning to ramble a bit, but the article was interesting for viewing corporate taxation on a system-wide level."
Oh ok I see what you are getting at with the misdirection angle. I was wondering if there was a deeper meaning. Like making it more expensive for other nation to borrow money would help in some way for the US to unload it’s garbage?
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You are asking about what happens when an ETF/mutual fund company goes bankrupt. If you were asking about a bank account you would be asking about FDIC coverage.  Investment funds are different, the closest thing to FDIC protection is provided by  Securities Investors Protection Corporation (SIPC) SIPC was created under the Securities Investor Protection Act as a   non-profit membership corporation. SIPC oversees the liquidation of   member broker-dealers that close when the broker-dealer is bankrupt or   in financial trouble, and customer assets are missing. In a   liquidation under the Securities Investor Protection Act, SIPC and the   court-appointed Trustee work to return customers’ securities and cash   as quickly as possible. Within limits, SIPC expedites the return of   missing customer property by protecting each customer up to $500,000   for securities and cash (including a $250,000 limit for cash only). SIPC is an important part of the overall system of investor protection   in the United States. While a number of federal and state securities   agencies and self-regulatory organizations deal with cases of   investment fraud, SIPC's focus is both different and narrow: restoring   customer cash and securities left in the hands of bankrupt or   otherwise financially troubled brokerage firms. SIPC was not chartered by Congress to combat fraud. Although created   under a federal law, SIPC is not an agency or establishment of the   United States Government, and it has no authority to investigate or   regulate its member broker-dealers. It is important to understand that   SIPC is not the securities world equivalent of the Federal Deposit   Insurance Corporation (FDIC), which insures depositors of insured   banks.
"EDIT: It was System Disruption or Malfunctions August 24, 2015 2:12 PM EDT   Pursuant to Rule 11890(b) NASDAQ, on its own motion, in conjunction   with BATS, and FINRA has determined to cancel all trades in security   Blackrock Capital Investment. (Nasdaq: BKCC) at or below $5.86 that   were executed in NASDAQ between 09:38:00 and 09:46:00 ET. This   decision cannot be appealed. NASDAQ will be canceling trades on the   participants behalf. A person on Reddit claimed that he was the buyer. He used Robinhood, a $0 commission broker and start-up.  The canceled trades are reflected on CTA/UTP and the current charts will differ from the one posted below.  It is an undesired effect of the 5-minute Trading Halt.  It is not ""within 1 hour of opening, BKCC traded between $0.97 and $9.5"".  Those trades only occurred for a few seconds on two occasions.  One possible reason is that when the trading halt ended, there was a lot of Market Order to sell accumulated.  Refer to the following chart, where each candle represents a 10 second period. As you can see, the low prices did not ""sustain"" for hours.   And the published halts."
Thank you for the informed post. CAT was planning on opening a new plant before the earthquake. They needed more capacity, and were formerly exporting some excavators from Japan to the North American market. They were considering expanding that plant, and they also looked at sites in Canada, the US, and Mexico. I guess they decided to keep that plant open, but just focus it on other markets. [Here](http://online.wsj.com/article/SB10001424052970204880404577229252169260694.html) is an article, but it is short on details.  [Here](http://online.wsj.com/article/SB10001424052970203889904577200953014575964.html) is an example of CAT closing a plant in Canada after the labor union locked themselves out. They are moving jobs to the US for roughly half price. In this case the plant in Canada was paying an average wage of $35 ($73,000 annually without overtime) and they locked themselves out requesting more. Corporations try to maximize profit, so by definition they are greedy, but this is a perfect example of unions being overly greedy as well. That is well over a good middle class wage (assuming they are in a somewhat rural or sparse suburban area, where most manufacturing is located). They had capacity elsewhere, so they moved.   Ignoring the greed of the unions wont make things better for workers, it will only end in more situations like the one in Canada.
"How have I moved the goalposts? My original claim was that the ""ransom"" was a result of the unions. That's what you quoted. And what you responded to just there said the exact same thing.  It's a factually true statement. Boeing made these demands as a result of the union labor driving up labor costs. Washington State offered Boeing incentives to stay as they would otherwise be looking to move as a direct result of the union labor wages."
The basic idea behind a derivative is very simple actually.  It is a contract where the final value depends on (is derived from) the value of something else.  Stock, for instance, is not a derivative because the contract itself is actually ownership of part of a company.  Whereas car insurance is a derivative because the payout depends on the value of something else namely your (and other peoples') cars. The problem with such a simple definition is that it covers such a broad class.  It covers simple contracts like Futures where the end value just depends on the price of something on a future date.  But it extends to contracts complicated enough that people in finance call them Exotics. Derivatives are broadly used for two things reducing risk (sometimes called insurance) and speculation.  A farmer can use derivatives to make sure she gets paid a certain amount for her corn.  A banker can group a bunch of loans together and sell slices to reduce the pain of a particular loan failing.  At the same time people can use the same instruments to speculate on the price of (for example) that corn or those loans and the main advantage is that they don't have to buy the corn or loans directly.  Any farmer will tell you corn can be very expensive to store. Derivatives generally cause problems both individually and sometimes world wide when people don't properly understand the risks involved.  The most famous example being Mortgage-backed Securities and the recent Great Recession.  You can start understand the instruments and their risks by this wonderful Wikipedia article and later perhaps a used collection of CFA books which cover derivatives in great detail. Edit: Michael Grünewald mentioned Hull's text on derivatives a wonderful middle ground between Wikipedia and the CFA books that I can't believe I didn't think about myself.
Yeah, I am Canadian and my professor is a big believer in Warren Buffet style valuation. Both of these probably play into his love for the CBV as well as having a couple former students who have it. I think I will start with the CFA and get the CBV if I think it is necessary. I have already started to study for the CFA, I downloaded the schweser notes. Hoping to take it in June after I graduate.
Fungible means that any gold is as good as any other gold. It has nothing to do with being able to form, shape, combine or divide it.  If I borrow an ounce of gold from you, you want an ounce of gold returned. You don't care which chunk of gold I bring you as long as it's the same weight and purity. If I owe you a dollar, you don't care which specific dollar bill I hand you.
**Modigliani–Miller theorem**  The Modigliani–Miller theorem (of Franco Modigliani, Merton Miller) is a theorem on capital structure, arguably forming the basis for modern thinking on capital structure. The basic theorem states that in the absence of taxes, bankruptcy costs, agency costs, and asymmetric information, and in an efficient market, the value of a firm is unaffected by how that firm is financed. Since the value of the firm depends neither on its dividend policy nor its decision to raise capital by issuing stock or selling debt, the Modigliani–Miller theorem is often called the capital structure irrelevance principle.  The key Modigliani-Miller theorem was developed in a world without taxes.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&amp;message=Excludeme&amp;subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/finance/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.27
CDS is the spread you pay in order to get protection in the event of a bond defaulting. I.e., eliminating your credit risk. Contrast this with ASW/OAS/Z-spread/Spread-to-bench which looks at the excess risk of a bond over the benchmark curve/yield. It's essentially looking at the same idea but derived differently.      Theoretically they move in the same direction but divergence can be an opportunity. Look up CDS basis.
"Have you lived in Northwest Arkansas? The strangest thing is the forced social separation between Walmart employees and vendor employees (ie. the *entire* rest of the neighborhood).  Walmart employees will literally bring their own rolls and hot dogs to a cook-out so there isn't controversy that the regional guy on Ball Park Franks isn't ""bribing"" Walmart buyers.  I get where it comes from, but it seems like you have to go out of your way on even your day to day living. Weird culture."
Waste of time prepping for it. This isn't the CFA.  I took mine at 9am on a Friday morning.. halfway through I said fuck this and skipped all problems requiring calculations. Finished an hour + early and still did better than 90% of my classmates who thought they were finance rainmakers
"In what sense do you think that RBC contributed to the subprime mortgage crisis? You seem to take that as a given without providing any evidence. Through their ownership, at the time, of RBC Bank in Raleigh? RBC came out of the 2008 crisis as one of the strongest banks in the world.  And I explained the nature of the temporary government cash infusion that happened while the world's credit markets were seized up. Calling it ""a bailout"" is just nothing less than misrepresentation. A ""bailout"" implies that mistakes were made by management. But that is not what happened.  And the bubbly property markets in Vancouver and Toronto is irrelevant to your point of supposedly ""fact-checking"" Flashboys."