vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"The Wells Fargo scandal was and still is a big deal because Wells Fargo opened over 1.5 million unauthorized bank and credit card accounts. The credit card accounts were opened without authorization, which means people's credit scores and reports were pulled without permission. That is considered fraud and identity theft. Other than the legal side of it, by opening more bank accounts without authorization, it was showing ""synthetic growth"", which resulted in an inflated number when quarterly and annual performance numbers were reported. This caused people to invest more in Wells Fargo stock, not knowing that the growth in stock was not organic. After the scandal was uncovered, stocks decreased. However, the root cause of this can be traced to the culture at Wells Fargo, where customer service reps (i.e. bank tellers, and store operations employees) were faced with the challenges of meeting quotas that could be considered a stretch. As a result, faced with pressure from upper management, they opened unauthorized accounts.  In addition, these unauthorized accounts cost consumers money either because credit cards had balances, or bank accounts did not meet a minimum balance. It is not about ending ""up with 8 rows in their database instead of just 1 row"" as OP wrote. It is about stealing consumer money and committing fraud and stealing the consumer's identity.  *Suggestions and constructive criticism are welcomed in improving my answer."
"That doesn't answer either of my questions.  For the first, you've given me a quotation (which I've seen several times before and cannot find the original source - if you know it, please cite it) that consists of opinion and speculation, not a definition.  For the second, it could be inferred that you mean to tell say you would support reverting to a monetary system based on exchanging precious metals, which Mr. Jefferson passingly implies his tolerance of. However, if this is what you mean to communicate, you're not doing yourself any favors in helping me understand your position by basing it on a minor aside in an unsourced quotation about something else.  I'm very much on board with the movement within OWS that's pushing for socioeconomic justice. But most of the people I see shouting ""end the Fed!"" really have no clue as to what they're talking about. This sort of willingness to act on ignorance is damaging.  *Edit*: If the OWS reference was weird, it was because I was previously reading a banking story from one of the Occupy subreddits and briefly forgot where I was ;) Nothing changed except a spelling error and this note."
it depends on the area you want to focus in.  to be sure, i will say that pretty much all certificates in finance can be achieved online now.  CFP is a pretty ok one. i have it myself. there is quite a bit of material, but isn't too challenging. it focuses on financial planning/personal finance. certainly aids your technical knowledge but is kind of an analog to help boost your sales. most pure planners i know have this but moreover a series of more technical designations. you must have a bachelors to be given the right to use the CFP.  CFA is a great one for your resume (and knowledge), but makes the CFP look like a summer vacation. it is for analysis, but has a broad range of potential uses. i know brokers, advisors, planners, and people leaders with these marks. if you are very smart, it will take you a minimum of 2.5 years (really 3yr) to complete due to their testing schedule. they also grade on a very steep curve. from what i understand, the amount of information and level of command you must demonstrate also necessitate this lengthy schedule.  beyond that, you can look at getting FINRA licensed in a desired area (e.g. series 7/63 to be a broker). i would caution against this, unless you are very sure of where you want to go or need to meet the requirement for a job. typically jobs with license requirements will permit you 3-6 months to obtain them on company money. you risk spending a good bit of money that won't be reimbursed by getting licensed independently. keep in mind that you cannot actually use your licenses without a firm sponsor.  finally, there are a variety of specialized designations like CWS and CMT that i would also caution against unless sure of desired position or meeting job requirements. it is better, in my opinion, to find yourself in a place where getting these will better position you for your current job rather than wasting time on them and finding yourself in a place where they hold no water.
I'm not familiar enough with finance in any capacity to know what the difference is between financial services or a finance department (beyond what you said); my familiarity of the industry extends to trading, rating, and financial law enforcement. But at a glance on mobile, that looks like pretty much exactly what I was looking for. I have no connect to the industry, but habe been on a Wall St media binge lately, and like to understand powerful/influencial sectors of society anyways. Thanks.
I use damodaran courses to complete my knowledge of finance while studying for the CFA, for people with finance or accounting background his courses are great and very easy to understand. I could learn in few hours what would have taken days with an average teacher.
"&gt; Also, if accounting suddenlly decides to hire a bunch of new employees why should the cost for the computers come out of IT's budget?   What does it even mean for something ""to come out of IT's budget?"" As far as I can tell, what it means is that you don't understand the difference between a planning tool and a t-account.  &gt; As long as IT's budget is subserviant to the whims of other departments you can't really call it a budget at all. Rather, it is just a pool of money that anyone can dip in to.  Budgets aren't pools of money at all, they're planning tools. Actual pools of money are t-accounts. I am nearly 100% certain that your IT department doesn't not have its own t-account, though once the distinction between budgets and t-accounts are so thoroughly confused that you are commonly saying things ""come out of our budget,"" the next logical step can appear to be inter-departmental charge-backs.  The reality is that business expenses are driven by growth and constrained by cash flow. Managers must learn how to produce budgets that anticipate growth, so that cash flow can be managed by the accountants, and so that executives can make decisions about priorities.  Doing inter-department charge-backs is a way of doing this in an organization whose relationships are so fucked up that you can't do it by actually talking to each other. Have fun with that."
Financial advisors are a client facing role and their utilization of math is relatively limited as far as I am aware. Most of the bigger PWM/AWM groups do the analytical work at a head office and the FA's in the field are basically account men. Their entire livelihood is based around relationship management with their clients.
&gt;Have these corporations taken away your ability to vote?  What do votes matter if they have no power?  To relate, in my home city, the local utility company is a monopoly.  A Public Utility Commission (PUC) of 3 commissioners was set up to regulate them.  The utility offers all the PUC Commissioners cushy no-show jobs after their term.  The results of this regulatory capture?  We have the highest electric rates in the continental US.  The next county over with a less powerful company is less than half the price from the same powerplants.  This is the same story for many such things including healthcare and insurance, internet, etc.  We can vote how we want, nothing changes because the corporations swing both ways.
"**Whataboutism**  Whataboutism is a propaganda technique formerly used by the Soviet Union in its dealings with the Western world, and subsequently used as a form of propaganda in post-Soviet Russia. When criticisms were leveled at the Soviet Union, the Soviet response would be ""What about..."" followed by an event in the Western world.  The term whataboutery has been used in British English since the period of The Troubles conflict in Northern Ireland. Lexicographers date the first appearance of the variant whataboutism to the 1990s, while other historians state that during the Cold War Western officials referred to the Soviet propaganda strategy by that term.  ***  ^[ [^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/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24"
It is the people who you bought the ticket from. Blocking is frequently done by hotels, gas stations, or rental car companies. Also, for anything where the credit card might be used to cover any damages or charges you might incur later as part of the transaction. In essence, they are reserving part of your credit limit, ostensibly to cover charges they reasonably expect you might incur. For example, when you start pumping gas using a credit card they may block out $100 to make sure you don't pump a full tank and your credit card is declined because you ran over your limit at $3.  In general, the blocks clear fairly quickly after you settle up with the company on your final bill. You can also ask the company to clear the block, but I don't think they are required to by law in any specific time period. It may be up to their (and your) agreement with the credit card company. Normally it isn't an issue and you don't even notice this going on behind the scenes, but if you keep your credit card near its limit, or use a debit card it can lead to nasty surprises (e.g. they can make you overdraw your account). One more reason not to use debit cards. More information is available here on the Federal Trade Commission's website.
I have no a clear idea about this. If any one have more information and to like to share this then please post his/her comment.I am very thank full for this act of kindness.i will come back soon is you have more idea about this.
A Loan is an loan that gives some kind of benefit as an assurance to a loaning organization. So when you put in an application for a credit, you likewise advocate that in case that you can not pay, you've some form of benefit that will cover the default sum.
Not Definitive’  “They’ve used terms like ‘likely,’” Hock said today in an interview. “What they’ve come up with here is a probability. It’s not a definitive conclusion.”  Synthetic chemicals discovered in the aquifer are just as likely “the result of contamination from their own sampling,” he said.   the first time it found chemicals used in extracting natural gas through hydraulic fracturing in a drinking-water aquifer   Boo fucking hoo. go live on a tree. oh wait, these should be protected too.
"&gt; Or does it differ between every company what non-cash charges they have?  This.  Here's a hint: the FCFF *can* be calculated from Cash Flow from Operations (CFO).   Think of FCFF this way: ""after the business has operated *and* made *all* investments needed to grow, both short and long-term, how much is left over for providers of capital?""   [Here's a good resource for you.](https://www.cfainstitute.org/learning/products/publications/inv/Documents/equity_chapter6.ppt)"
&gt;The problem isn't the kid asking for the cookie, it's when Mom gives them the cookie when they shouldn't be having cookies.  Your analogy breaks down by attempting to draw a parallel between the behaviour of a child and that of a corporation.  Corporations are managed by adults with the full range of experience and cognitive abilities at their disposal.  Children, on the other hand, are not capable of engaging in the same level of decision-making and are excused from misbehaving.  &gt;Lobbyists asking for modifications to tax &amp; legal code - fine. There's nothing wrong with asking. Sometimes the ask is a good one.  Asking and paying for are two different things in my mind.  Level the playing field for everyone.  &gt;Why do you people blame the companies or lobbyists but exonerate the legislators &amp; regulators who are ACTUALLY RESPONSIBLE FOR ALLOWING THESE THING TO HAPPEN!?  I don't recall absolving legislators from responsibility.  They're just as dirty and corrupt.
Maybe this video can explain it better.   I'm sorry, I don't know how else to explain it. I'm not sure if you're getting it. This video looks pretty informative to me. Admittedly I haven't watched the whole thing. I just watch the first few minutes. Maybe a visual demo will help.   http://www.youtube.com/watch?v=2o9AU8MAoq4
No, you can not use Schedule C for a Corporation. If you treat the business as a sole proprietorship, i.e.: not a separate legal entity and not a separate financial entity - then you can. If that's how you treat your corporation, then you can continue using Schedule C, but there's no reason whatsoever to continue being a corporation either since the corporate liability protection veil is likely to be long gone. Generally, corporations file form 1120, S-Corporations file form 1120S.
What the heck is a CBV?  I've worked in finance (in an investment decisionmaking capacity) for over ten years, and I've never heard of it.  But that's just me.  Either way, you're a degree and four years short of earning a CFA, so no reason to worry too much about it right now.  Securing a position in finance where you'll have investment decisiomaking responsibility should be your #1 focus right now if you want to earn that designation.
"I'm usually not a fan of video compared to text, but I agree that this was an effective use of video.  Let me use one example that struck me.  They use the term ""commission"" at one point.  Some of their viewers may not know what a sales commission is.  Some will.  They could explain it and bore the latter viewers.  They could not explain it and lose the former listeners.  Instead, they just play a cash register sound when they mention the term ""commission"", which clues in the former watchers and doesn't bore the latter watchers to tears."
It appears to me that the tax code gives significant advantages to being a corporation as opposed to being a person due to the relative ease of legal tax avoidance.   As an individual, avoiding taxes is much harder than it is for a corporation.   I mean, why can't I claim my deficit last year as an operating loss and use it to offset my taxes?  I mean suppose I had to borrow money to afford food, that's pretty vital to my business (staying alive) operations. Why can't I offset my income with my borrowing like a corporation can?
"To me this is the Entertainment Industy's War on Terror, meaning they use a bullshit excuse of ""pirates"" to do whatever they want.  This is simply another way corporations can get around anti-trust laws by shutting down shit they dont agree with and just labeling it piracy, especially since they can do so with impunity."
So they're saying that Apache published a security flaw, script kiddies in china started scanning populare sites for an opening, and they found the hole in equifax.  They then spent **months** exploring it, before they sold the opening to another unnamed group who exploited it.  Why would anyone jump to a conclusion that it was state sponsored?   &gt; some investigators inside Equifax   Ohh... This is just an internal group trying ot justify the company's massive fuck-up.  Okay. Got it.
"Assuming I don't need any other new lines of credit, can I get pre-qualified repeatedly (and with different banks) with impunity? Yes, but only for a limited period. FICO says: Hard inquiries are inquiries where a potential lender is reviewing your credit because you've applied for credit with them. These include credit checks when you've applied for an auto loan, mortgage or credit card. Each of these types of credit checks count as a single inquiry. One exception occurs when you are ""rate shopping"". That's a smart thing to do, and your FICO score considers all inquiries within a 45 period for a mortgage, an auto loan or a student loan as a single inquiry. However for your situation, since you won't be getting a loan for several months, getting inquiries more than 45 days apart will each count as a separate inquiry."
"&gt;*""Date of creation: Jan 2006""*  It was pre-GFC. Since that study was done a huge percentage of American families (as well as the taxpayers) have lost major amounts of equity due to out of control deregulation of financial institutions.  Now the US is trying to [push TiSA](http://www.smh.com.au/federal-politics/political-news/secret-trade-negotiations-is-this-the-end-of-the-big-four-20140619-3ah39.html) which tries to continue the deregulation, which is exactly the worth possible thing to do. [TiSA will also globalize millions of service jobs around the world](https://www.youtube.com/watch?v=2_pPqnbXpA4), including in the US.   Thats not what US families need, to suddenly be facing this."
I'm an international student in my sophomore year. I'll get one more year to have job experience after I get my degree(I'm in the USA). Do you think it'll be beneficial if I go for CFA?(wiki says it takes 4 years on average to earn CFA charter). Also, I'm aiming for corporate finance.
You were an unsecured creditor. If Refco had a corporate credit card Visa would be in the exact same position you were. Nothing to do with being the little guy per se, just that UCC Article 9/the Bankruptcy Code has a massive preference for secured creditors over unsecureds. (Which I think is not the best idea, but for other reasons.)  Just took my Secured Credit final a few days ago.
"Amazon is looking for tax breaks...not only from the location of their new site, but also from WA State. WA stands to gain more long term tax revenue if Amz changes it's mind and decides to stay so they will likely kick in tax breaks to minimize the # of employees shifted to the new office.  Also worth noting, they specifically say ""North America"" in the search so Toronto, Montreal, and Mexico City could all theoretically be in the running too. (Vancouver BC is out because it is just too close geographically to Seattle.) It really depends on their search criteria and long term plans."
"First off, I originally brought up Wells Fargo to show that big banks may not want to open the floodgates for lower level employees and management to have free reign to profit off customers in less than responsible ways. I didn't mean or want to get into a debate about past govt. oversight of Wells Fargo's practices. [But to your point:](https://www.housingwire.com/articles/39782-cordray-answers-charges-that-cfpb-didnt-take-lead-on-wells-fargo-scandal) &gt;He explained that the bureau first received a whistleblower tip in July 2013. The exposé by the LA Times wasn’t published until December. &gt; &gt;Cordray did add that the LA Times coverage was a “splendid piece of investigative reporting” and that investigative reporting often aides government investigations. &gt; &gt;After that first whistleblower tip, Cordray explained that the Wells Fargo case over time grew into something bigger. &gt; &gt;As the CFPB watched Wells Fargo through 2014 and 2015 in supervisory activity, it became clear the situation was serious enough to migrate into an enforcement action, he said. I'm not sure what you're talking about here: &gt;And what are you talking about freedom to ""compete"" against the big guys? What are you even talking about and how is that freedom threatened? I'm saying they *will* have freedom to compete in ways that may have negative impact on clients who have chosen to move their investments from bigger banks to smaller ones. As for the list of ""positives"" you gave surrounding this bill, [there are also negatives:](http://fortune.com/2017/06/07/financial-choice-act/) &gt;Congress this week is considering the Choice Act, which would roll back regulations enacted after the 2007 financial crisis, particularly those designed by the Consumer Financial Protection Bureau (CFPB). Yet, the legislation goes even further and limits consumer access to information that could help them make better choices. &gt; &gt;One of the hallmarks of conservative regulatory philosophy is that educated and empowered consumers are preferable to government bureaucrats, regulations, and prohibitions.
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