vania-janet/multiturn-rag-retrieval-data huggingface dataset:
The rules for getting the credit are simple, all the information needed to claim it is already on the basic tax forms, but you have to know that you need a separate form to get the credit. But instead of making the credit automatic they say: If you use IRS e-file to prepare and file your tax return, the software will guide you and not let you forget this important step. E-file does the work and figures your EITC for you! and then : With IRS Free File, you can claim EITC by using brand name tax preparation software to prepare and e-file your tax return for free. It's available exclusively at IRS.gov/freefile. Free help preparing your return to claim your EITC is also available at one of thousands of Volunteer Income Tax Assistance sites around the country. To find the volunteer site nearest to you, use the VITA locator tool on IRS.gov. But if you don't use free file you might never know about the form. Apparently it escapes 20% of the people who could claim it.
It's worth noting that Ohio is home to a huge number of Chase employees (from the Bank One acquisition many years ago) so Ohio banning Wells Fargo may have a *liiiiiitle* bit of politics involved.  (Wells Fargo is terrible don't get me wrong.)
Can someone who understands this part of the business explain what exactly happened and how they benefited? I have read a few articles, and I don't really understand.    I work in a bank, and seeing how some other aspects of the financial crisis were portrayed in the news, I have a feeling the whole story isn't being told. How could this have possibly gone on undetected?
This place has a lot of discussion of tips/tricks/shortcuts.  My advice is avoid most of that.  The same ones posting about the shortcuts are generally the one who then  bitterly complain how unfair CFAI is iin something or other.  Focus on putting in the work is all important.
Read https://www.reddit.com/r/worldpolitics/comments/5b9bza/the_political_system_of_the_usa_is_characterised/d9mq22q Source: #1 at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/d9q9006 Via: #26 at https://www.reddit.com/r/Missing411/comments/41oph0/supernatural_abductions_in_japanese_folklore_by/cz3we2z 5. ""The Untold Story Behind Saudi Arabia's 41-Year U.S. Debt Secret: How a legendary bond trader from Salomon Brothers brokered a do-or-die deal that reshaped U.S.-Saudi relations for generations."" by Andrea Wong, published on 30 May 2016: https://www.bloomberg.com/news/features/2016-05-30/the-untold-story-behind-saudi-arabia-s-41-year-u-s-debt-secret"
&gt;Basically the banks (Countrywide was the worst about this) failed to uphold lending standards when they were giving out mortgages because it wasn't in their self-interest  Is there such thing as lending standards? As in by law or by regulations? (Not ethics)  As far as I know the major regulations banks have to follow are the capital ratio requirements (Basel I,II) and the min 4% leverage ratio (FDICA). I'm assuming the banks kept to the ratios by keeping illiquid securitised loans off their balance sheet.  &gt;after the banks would give someone a mortgage the banks would make their fees off the mortgage and then bundle these mortgages into securities. The banks then had these sub-prime mortgages that are now bundled together as securities,   From my understanding the bank did originate the loan, and they will assign this loan to a trust fund who will securitise the loans into CDOs or mortgage backed securities. I have 2 questions from this:  1) What is wrong with this and  2) if it is unethical or greedy, what can be done to solve this? Stop them from securitising these loans? Wouldn't that destroy the reinsurance market?  &gt;then Moody's/S&amp;P and other ratings agencies gave them AAA ratings despite nearly everyone in the industry knowing they were time-bombs waiting to go off. Goldman Sachs and everyone else knew what was going on, but they didn't want to get stuck holding the bag, per se, so they committed fraud by knowingly misleading their clients to buy these securities.  So the responsibility lies more with these guys then? Goldman Sachs were the ones committing fraud and now the SEC is going after Fannie and Freddie. The banks didn't break any laws or regulations.
A US buyer wanted to import Gold from Ghana but due to insufficient working capital they were unable to obtain a Standby LC from their local bank. They contacted BWT for help &amp; we facilitated their Gold deal by providing Standby Letter of Credit (SBLC, MT760) in favor of their Ghana Seller.
If you knew Cohen's secretary you would know that it's no longer called SAC. Also my uncle totally works at Nintendo so I get all of the best games but you can't see them because he swore me to secrecy.  Translation: You're a dipshit.
I was actually planning for the CFA. But with not being sure about doing a job anytime soon, and needing four years after the CFA for the charter, I decided against it. Also, I live in a foreign country so getting a job isn't easy for me.
gross profits 2011 31 billion http://www.wikinvest.com/stock/Wal-Mart_(WMT)/Data/Gross_Profit/2011/Q1  Net income 16.99 income http://www.wikinvest.com/stock/Wal-Mart_(WMT)/Data/Net_Income/2011  The simple truth is that companies that post these sort of net profits are basically off loading the cost of their labor onto the taxpayer by paying a non-livable wage.  And we let them. Americans need to remember why they unionized a hundred years ago and grow some balls again. Corps are able to do shit like this only because we (the people) let them.
&gt; This allows companies like FedEx ground to not have to show an IT cost.  1) Doesn't the cost show up for the parent company?    2) Are the increased profits mostly due to tax savings? So,    3) If say, taco bell losses a little money while kfc makes a killing, parent company yum brands still gets a tax saving on its taco bell division even though over all the parent company did quite well?   4) Thanks for explaining this stuff by the way. Very interesting.
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That's what I have been trying to do.  I do every practice test after each chapter and if I do great then on tot he next.  If not, back to reading it again. What I have been seeing a lot on the new CSC test's is less math and more memorization.  So IIROC mandate questions, derivatives, define a foreign bond etc.
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And I was being facetious, apologies.   I think your assertion that the  &gt; entire crux of the story was that credit ratings agencies weren't transparent  is a massive simplification of what happened. There are many great analyses of the crisis, and most of them come to the conclusion that 'it was a perfect storm' of different factors.  I gather you think the problem was regulatory, I think the problem is systemic.   To me it doesn't matter how the regulations are written what matters are the incentives. I see no evidence that the regulatory agencies in the US can effectively police, let alone effectively deter financial institutions from skirting the laws. In fact I think wall street runs on such a haystack of grey-area regulations that without wholesale, root and branch reform (e.g. antitrust laws similar to Standard Oil to be used on the big banks) there's no hope that any patchwork of regulations, well-intentioned as they may be, from making a difference.   CDOs are a great example of what to avoid.
Beyond the numbers, how do you objectively establish causation between Amazon and a lost job?  That, to me, is what is practically impossible.  Ma and Pa might blame Amazon but that's hardly dependable information.  What if Ma and Pa's business model was unsustainable or simply mismanaged?  Now, with Walmart, you can establish a stronger connection because you'll see those effects tightly correlated with a local store opening.  Doing that with an online business is considerably harder.  You'd need to know who the customers were and how they substituted Ma and Pa's goods and then correlate that with a drop in sales, for example.
"Agreed. One of the comments for this question Good books for learning about tax strategy/planning uses the phrase:  ""Don't let the tax tail wag the investing dog.""  It applies to charitable donations. Donate because it is expected by your church; donate because it makes you feel good; but don't donate just to save money on your taxes.  Once you have decided to donate take the steps necessary to be able to deduct your donation. Get the receipt or use a check or credit card so you can deduct the donation."
There was this /r/offmychest post yesterday from a person claiming to work for a large investment bank as part of their default risk modelling team. The poster claims that the commercial and real estate lending divisions have been fudging numbers regarding default risks due to a lack of oversight and a bunch of bad commercial loans are about to become due. They further claim that a rise in interest rates could prevent many commercial properties from being able to properly ~~finance~~ refinance their loan. Here is the post: https://www.reddit.com/r/offmychest/comments/77a1vw/i_work_in_bankingfinance_risk_management_i_am/. Any one have any thoughts?            I also found this link on the Mises blog (though it is a year old) that discusses how delinquency rates on commercial and industry loans have been steadily rising since bottoming out in 2015: https://mises.org/blog/delinquency-rates-rising-new-crisis-approaching. Could be something to keep an eye on. I would love to see some more updated data on delinquency.
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Equifax is just another publicly traded corporation run by liars and thieves.  I am using Wall Street as an analogy for the financial sector that lies and steals from the unwitting public with the help of lawmakers who benefit the same way.  Surely you are playing ignorant.
Summarized article: In an effort to increase funding to cover expenses, some states are considering selling sponsorship rights for highway rest areas.   States can spend millions of dollars every year to maintain rest areas so corporate sponsorship is viewed as a viable way to keep rest areas open.   Georgia, Iowa, Ohio and Virginia are currently seeking bids from private companies. Ohio is also considering selling sponsorship rights for bridges.   The Federal Highway Administration allows corporate sponsorship as long as signs are consistent with other highway signs.   Because many drivers fall asleep at the wheel when they go long periods without breaks, rest areas play an important role in keeping highways safe.  * For more summarized news, subscribe to the [/r/SkimThat](http://www.reddit.com/r/SkimThat) subreddit
Costco's entire business plan, though, is based around their membership fees. That is their sole profit.  They charge enough on their products to keep the lights on, pay their leases, pay their employees, and pay for the product coming in the door. All profit comes from membership fees.  Instead, this article makes them sound like an anti-capitalist company. Noooo, they're shifting the price of that chicken somewhere else. By not mentioning how the company actually posts a quarterly profit, this article does the exact opposite of what it should be doing: informing the reader.
Are there any books on the Federal Reserve that explains what it does without going into conspiracy theories?  I want a solid, in-depth book that explains it so that I can understand what is going on with Quantitative Easing, etc, without degenerating into some discussion about the Illuminatti.
What is not permitted in Islam is the practice of making unethical or immoral monetary loans that unfairly enrich the lender. Originally, usury meant interest of any kind. A loan may be considered usurious because of excessive or abusive interest rates or other factors. But In case of financial markets, people borrow money to make money and both parties benefits, and no one is taking advantage of the other. I may be wrong in interpreting this way, God knows the best.
At the same time, you were comparing this program to courses taught by MIT and Harvard and the CFA designation.   This program can't be in the same league as a financial engineering program because it does not have the same rigor or even the same courses. Yet, it calls itself a Masters of Financial Engineering program. (5th page)  If it is not a scam, it is at least *highly* deceptive.
In the Anti-Money Laundering World ( AML) , structuring consists of the division ( breaking up) of cash transactions, deposits and withdrawals, with the intent to avoid the Currency Transaction Reporting ( CTR) filings.  In your case the issue is not structuring but the fact that you have another person ( unknown to the bank) depositing cash , event if it is above the CTR threshold, for you to withdraw later .  The entire scenario raises a lot of questions.
"Things are in fact more complicated. It really depends what you mean by ""ticker"" and who gave you this ticker. There is several codes to identify a security: The Bloomberg code contains a code to identify the exchange as in ALU:FP the FP part refers to Euronext Paris. The RIC code works the same way but with a different convention. Exchanges are identified by the MIC code.(they are in fact divided in market segments with each market segment having a main market segment) ISIN and SEDOL codes do not provide informations about the exchange so they are usually given with a MIC. There is no guarantee that Reuters and Bloomberg won't use the same company code to refer to different company.  But they usually use the exchange ticker. This ticker is requested by each company and can be anything. They are accepted most of the time. But sometimes to avoid confusion some requests are rejected. (For instance FBI ticker was refused) For more info read: The evolution of ticker symbols Financial providers like Bloomberg provides services to be informed when a security is added/removed from a market."
If everyone who builds an aircraft is responsible for funding that themselves, or getting some third-party certification (yet another government organization must be created, or somehow exist profitably by magic), that's going to kill the world of experimental aircraft outside of the big three. 3 - You really didn't google anything before you got into this. No, the police don't enforce FCC regulations; that all falls under the FCC's jurisdiction and they only rely on locals for backup security during raids, which are rare. Leaving it to civil suits means anyone with the largest pockets gets to broadcast the loudest. Leaving it to the locals means training local police to fox hunt. Minor disputes over frequencies? That's plainly naive; nearly everyone with a transmitter has more wattage available than they're legally permitted to use. Broadcast wattage increases are delicately negotiated, petitioned, debated and re-petitioned, and then turned up. Elimination of regulation wouldn't even be settled at the town level - you're talking inter-county and interstate disputes. I personally broadcasted at a station that was greenlighted to 15,000W and we were heard in the tristate area and *Canada* - good luck coming to international accord on broadcasting standards without a federal body to speak for your industry. I'm not even addressing your last paragraph. It's just straw-manning and caricaturization."
"&gt; Boeing's union workers are overcompensated.  Compared to who? Some hypothetical unemployed North Carolinian? By that metric, we're all ""overcompensated."" I guarantee you that there's someone, somewhere (probably many someones in many somewheres) that would be happy to do your job for a lot less money. Does that mean that all publicly traded companies have a duty to demand tax incentives to not move to North Carolina, or Poland, or Cambodia? I may sound hyperbolic about this, but I'm completely serious in that question. Calling someone overcompensated means that the prevailing wage in the competitive labor market for the same quality of work is lower, not just assuming that someone would be willing to do it if you offered them $40k and a wrench.  The fact is, Boeing has not been able to produce any compelling data about ""overcompensated"" workers ([the NLRB just ruled that it has failed in doing so with it's engineering union and has ordered it to back up their claim](http://www.kplu.org/post/nlrb-judge-boeing-failed-bargain-good-faith-speea)), so all you've got is a baseless assertion behind this whole argument.  Moreover, the idea that Boeing ""needs to reduce wages in order to remain competitive"" is baseless as well. That's easy to say and strikes an intuitive chord with the public, but there's no evidence that Boeing ""needs"" to do this. They may want to do it, but they could save the same amount of money in countless other ways (stopping making stupid decisions to outsource large components around the world would be a great way to save money, for starters). Reducing wages is a desire, not a need."
These are for Jane Street Capital. JSC is considered to be one of the top quant marker makers on the street with a majority of their traders having phds. I honestly would not study with these. On this site, they are all from the first or second round of interviews. JSC conducts 4 rounds on phone and one in person. While they are intellectually stimulating, if you have any shot of getting a job there, all the questions you'll find you should already be able to solve.
most def.  When I have an algorithmic trading strategy I want to spitball, or some question about how to exploit netback pricing inefficiency between West Texas Intermediate and Brent prices based on some sort of shipping rate change, I'd like to post here.  When I want a new job, I'll go to r/financialcareers.
I understand it could be cash converts.  I was an accounting major.  I'm just pointing out some possible reasons for why they might borrow instead of using cash on hand.  They might not have enough cash on hand because  of the fact that they might be holding cash equivalents.
&gt;I agree that double taxation makes no sense regardless of individual or corporation. Having said that, it's my understanding that Murca offers corporations tax credits on foreign taxes paid to avoid double taxation. I'm pretty sure that a similar vehicle exists for individuals as well. My issue is entirely with corporations paying off legislators to avoid taxes that they have an obligation to pay in the country that they operate.  Context, friend.  The statement you quoted was in reference to the issue of double taxation.  Hence the statement was made in attempt to indicate that no issue with the responder's stance on double taxation, but in fact the paying for and receiving tax concessions.  The statement certainly could have been more comprehensive in identifying legislators as equally culpable in its part.    Your attempt to cherry pick a statement out of context is disingenuous.  Bro, do you work for Fox?
Summarized article: Electronics manufacturer Foxconn announced that an internal investigation at its factory in Yantai, China, found underage interns between ages 14 and 16. China's minimum legal working age is 16.  Foxconn has an internship program that has vocational students work for 3 to 6 months in its factories to gain industry experience. About 2.7% of the company's workforce are interns.   The company said those identified as underage have been sent back to their schools but have not said how many were found.   Foxconn's announcement came shortly after labor rights group China Labor Watch released its findings that underage interns were found at the Yantai factory.   Recently, Foxconn faced a complaint that interns were being forced to work in its factories, however, the company cited the Fair Labor Association's report in saying there was no evidence of such claims.  In August, the Fair Labor Association, hired by Apple to audit labor conditions at Foxconn, said Foxconn has made a majority of the recommended improvements but must address remaining concerns by next year.  * For more summarized news, subscribe to the [/r/SkimThat](http://www.reddit.com/r/SkimThat) subreddit
"&gt;In a note this morning from Deutsche Bank's freight and logistics analyst Amit Mehrotra, he notes that  the ""WMT vs. AMZN battle is heating up"" and points to a report by DV Velocity, according to which a well respected transportation industry consultant told attendees of a logistics conference that Walmart (WMT) is telling trucking companies that it will no longer do business with them if they continue moving goods for Amazon (AMZN).  Basically, an analyst from a foreign company said that a report from another company cited a ""well respected transportation industry consultant"" who told people at a logistics conference that Walmart is telling US trucking companies that it won't do business with them if they continue moving goods for Amazon. This is like quadruple hearsay, from an unreliable website, and should not be relied upon."
"You can learn very little from it. Company directories are often given share options or shares as a bonus, and because of that they are unlikely to buy shares. When they sell shares, you'll hear people shouting ""so-and-so sold his or her shares, they must know something bad about the company"".  The truth is that you can't eat or drink shares. If that company director owning shares worth a million dollars wants to buy a new Ferrari, he will find that Ferrari doesn't give free cars to people owning lots of shares. He actually has to sell the shares to get the money for the car, and that's what he does."