vania-janet/multiturn-rag-retrieval-data huggingface dataset:
This is just the setup. Remember I mentioned the bank's investors? Well banks/smart people basically figured out a clever way of 'dealing with' the risk of a few outliers with bad financial situations by collecting large numbers of home loans into a single entity and selling it on. Loans were graded according to risk and I believe they were even cut up into smaller pieces (10% of your high risk loan assigned to 10 different 'debt objects' with different risk profiles). These 'collateralised debt obligations' were traded from one bank/investment firm to another with everyone happily accepting the risk profiles until eventually nobody knew what risk was where. Think about it like ""I'll throw 10 high risk loans, 50 medium risk loans and 40 low risk loans into a pot, stir it up and sell the soup as 'pretty safe' "". This all seemed like a very good idea until it gradually became clear just how much of these loans were in the 'extremely stupid high risk' category. This is probably extremely confusing by now, but thats the point, investors could no longer judge how risky an investment in a bank or financial institute was, the market did not correct for any of this until it was all too late. The moral of the story is when people tell you an investment is guaranteed to make you money, you stay away from that investment. And to specifically answer your question you can't solely blame government incentives as you might be able to see, but they play a part in a giant orchestra, there are many factors that drive this sort of stupidity, stupidity being the primary one."
Landscape curbing is a very easy and affordable way to stop unwanted grass and weeds from invading the flower. That is a new and creative way of enhancing the yard. If you have a little garden in your home, that Curb Landscape is the correct method for orchestrating plants, plant embellishments, blossoms and trees in a pleasant looking scene. Checking can add additional interest to your yard territory, subsequently expanding the estimation of your home.
Its been years since I lived there, but I found Seattle to be pretty expensive.  Housing costs seem out of line with expected salaries.  Coming from Puerto Rico you might be shocked how expensive it is to live there, and also how infrequently you see the sun. Your question is highly subjective.  One person would need 100K to cover those things you are talking about, while others would need less then 30K.  Also where you live in the Seattle area makes a difference.  Will you be in Redmond or Bothell?  Housing costs vary considerably. One nice thing about that part of the country is can be very inexpensive to vacation.  A fishing license, a packed lunch, and a bit of gas is all that is necessary to really enjoy that part of the country.   Back in the day I used to ski Steven's Pass during the week, and the lift tickets were a 1/3 of the weekend rate.  Having hiking/camping gear and or a bicycle is also a good way to enjoy life. Bottom line I would make a budget, and go from there.  If you intend on retiring in PR, then you would need a lot less then if you choose to remain in Seattle so even that is subjective. Perfect Example, Marysville, which is way out of town so a commute would be a problem.  However, unlike many parts south of Seattle, it is safe and nice.  ~200K for a 1200 sq ft home.  Holy cow.   Here in Orlando, figure about 130K for the same home with less of a commute.  And you will see the sun more than 5 days per year.
Group home riches provide ways to become spiritually as well as financially rich. Disabled caregiver funding is also one such righteous way to earn money, that has been introduced by group home riches. People looking for a living out of some noble cause can definitely get rich dividends out of this and enjoying rewards for a good work is always spiritually overwhelming. There are many kinds of disabled caregiver funding available. Around 52 million people have opted for disabled caregiver funding.
I have lived in my RC Home since 2008 and I have had ZERO PROBLEMS! We are in the process of building another RC home in a different community. The only thing I've done was replace the roof ONLY because of a very bad hail storm (baseball sized) that came through OKC. My mom also purchased a RC home in 2007 and didn't have any problems. What buyers have to do is be involved the whole time before, during, and after the build. Take lots of pictures of the entire process if you can. We went by our build daily (we didn't live that far), but if you can go by your build at least once a week, it helps. During my inspection, there was a hairline crack in the baseboard and it was corrected immediately. If you have a good inspector and sales rep that genuinely cares, you will be just fine and will love your home. Good Job RC HOMES!
Your home should not just give a cosy look, but a cosy feeling too, because home is a place to relax with no stipulations, etc. You can try the latest modular power grid that suspends from a ceiling and Furniture choices should be carefully assessed.
&gt; Owning an expensive home  Why do people seem to think owning a home is expensive?  Not everyone that owns a home is rich, or has an expensive home.  Home ownership has many more benefits to renting, and the government should absolutely encourage it. It encourages people to take ownership in a community and brings down housing costs for everyone.  People don't only rent apartments in high rises, you understand that, right? People rent two flats, houses, cabins, mansions, condos.  Your view and knowledge of this is narrow at best.
"A pyramid scheme is a form of fraud.  If someone came up to you and said:  ""If you give me $100 then get two of your friends to give you $100 each, you'll make $100."" it would not be fraudulent but it also wouldn't be very successful.  If that same person said ""I have a great investment that will return 100% but I need you to help by getting your friends to chip in."" they might be more successful but, given there's no actual investment, they would be lying.   Multi-level marketing is notionally selling products through a pyramid-type arrangement.  It is not hard to see that 1) if the product is good, this is typically a silly way to do business and 2) one could use such an arrangement as a thinly disguised ponzi scheme.  Hence, MLMs, while usually legal (unless the ""product"" is clearly misrepresented), are often a vehicle for bad actors to part fools from their money."
&gt;**Firms responded to this act by significantly increasing repatriations from foreign affiliates.** This paper analyzes the impact of the tax holiday on firm behavior. It controls for endogeneity and omitted variable bias by using instruments that identify the firms likely to receive the largest tax benefits from the holiday. Repatriations did not lead to an increase in investment, employment or R&amp;D—even for the firms that lobbied for the tax holiday stating these intentions. Instead, a $1 increase in repatriations was associated with an increase of approximately $1 in payouts to shareholders.        Offhand, that's all I would think that they were going to do.  If you remove a tax from something, you effectively get more of it.  You're removing a tax on *bringing capital home to the US.*   This is a good thing no matter what is done with it, because it means our money isn't being used to build up another country.        With the dividend being returned to stock holders, you have to realize that retirement plans are the biggest holders of dividend paying stock.  Your parents, your grandma, just got a raise.  Since they're living on fixed income, this has a very high stimulative effect.  They buy something nicer at the grocery.  They give their kids and grandkids a $20.  This improves the economy from the bottom up.  This is undoubtedly a good thing, and certainly much better than keeping that money overseas.
Because when you go out to get something, you're not just paying for the burger.  Almost anyone can make a better burger than most places out there when they make one at home.  This isn't a good argument to not pay the $15.    Now, if you go out and you pay the $15 and you don't have a good *experience,* then that's another problem.
It is a Scam. Don't invest more money here. Their website is the proof. Investments may appreciate or depreciate and you may not receive more   than you initially invested. The Peterson Group offers products that   are traded on margin and entail a degree of risk. You may incur losses   that exceed your initial investment. Please ensure you are aware of   and fully understand the risks involved, and seek independent advice   if necessary. Losses exceeding your initial investments does not sound a good investment even if it is not a scam. Not much contact information. Their contact page has only a form. No email. No phone number. No social media links. I would like to point some information from Dumbcoder's answer, Just browsed their website. Not a single name of anybody involved.   Their application process isn't safe(No https usage while transferring   private information). No names of the person's involved is a thing to notice. All the companies websites name their owner, CEO and the like.
To me it looks pretty good (10% per year is a pretty good return). Lagging behind the indexes is normal, it is hard to beat the indexes over a long period of time, the longer the period - the lesser the chances to succeed. However, half a year is a relatively short period of time, and you should check your investments a little bit deeper. I'm assuming you're not invested in one thing, so you should check per investment, how it is performing. If you have funds - check each fund against the relevant index for that fund, if you have stocks - check against the relevant industry indexes, etc. Also, check the fees you pay to each fund and the plan, they come out of your pocket, lowering the return.
Home removals is a very difficult job to carry out. Whether you require to carry out a small home removal or a very big house, it requires proper planning and an immaculate implementation to be able to move all your home items. There are many companies providing home removals in Edinburgh. However, you should also make a plan for this on your own along with the professionals carrying out the job of home removals in Edinburgh.
I have everything you have and a nap room, coffee bar, game room and a whole bunch of other good shit. You can have both. It doesn't have to be one or the other. My boss is awesome too and also lets my coworkers work from home on a regular basis. My boss also had a talk with me when I worked a lot one week and offered me flex days (extra PTO days). I also work under 30 hours a week and only hit above that a handful of times a year.
&gt; If young Americans knew what was good for them, they would all be in the Tea Party.  The Tea Party is not a party. Its a faction of the Republican Party and on the FAR right side of the Republican Party.   If you are fiscally conservative and socially liberal, there really is no home for you in American politics.
Using credit cards to pay for things is a great convenience in many cases. Using credit cards to pay for things that you couldn't pay for using cash instead, is a recipe for financial disaster. People have also mentioned investment accounts, brokerage accounts, etc. This is good to have in mind, but in my opinion, the exact ""savings vehicle"" (type of place where you put the money) is a lot less important than getting into the habit of saving regularly and not touching that money. That is why I recommend just a savings account: if you miscalculate, forgot a large bill coming up, or for any other (good!) reason need access to the money, it won't be at a time when the investment has dropped 15% in value and you face a large penalty for withdrawing from your retirement savings. Once you have a good understanding of how much you are able to save reliably, you can divert a portion of that into other savings vehicles, including retirement savings. In fact, at that point, you probably should. Also, I suggest making a list of every single bill you pay regularly, its amount, when you paid it last time, and when you expect the next one to be due. Some bills are easy to predict (""$234 rent is due the 1st of every month""), and some are more difficult (""the electricity bill is due on the 15th of the month after I use the electricity, but the amount due varies greatly from month to month""). This isn't to know exactly how much you will have to pay, but to ensure that you aren't surprised by a bill that you didn't expect."
I'd argue that zoning laws are not even I'm the same boat as taxi companies.  Also, again, good on Uber. If the market is broken, and normal citizens can't do shit about it, I'm glad that something or someone could.  Look. There is no reason that a taxi medallion in NYC was considered a good  investment, in a competitive market it wouldn't have been. There is no good reason that the number of cabs on the streets of NYC were the same two years ago as they were in the 60s, despite rampant pupulation and tourism growth.
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HARP is the Home Affordable Refinance Program. Announced in March 2009, HARP is a federally funded government program designed to help the 5 million homeowners who currently owe more on their mortgage then their home is currently worth, otherwise known as being underwater or near-underwater, refinance their mortgages into a fixed loan with a lower monthly payment. However, as of Aug. 31, only 894,000 borrowers have refinanced through HARP.
If you own your home, have dependents, lack insurance and have major possessions which you need, then you need to factor those risks into deciding how large an emergency fund you might need, and perhaps consider not just normal outlays but also some exceptional situations. What if the refrigerator and water heater breaks down at the same time that something breaks a few windows, for example? What if you also need to make an emergency trip near the same time because a relative becomes seriously ill? Notice that the purpose of the emergency fund is specifically not to generate significant interest or dividend income. Since it needs to be stable in value (not depreciate) and liquid, an emergency fund will tend towards lower-risk and thus lower-yield investments, the extreme being cash or the for many more practical option of a savings account. Account forms geared toward retirement savings tend to not be particularly liquid. Sure, you can usually swap out one investment vehicle for another, but you can't easily withdraw your money without significant penalties if at all. Bonds are generally more stable in value than stocks, which is a good thing for a longer-term portion of an emergency fund. Just make sure that you are able to withdraw the money with short notice without significant penalties, and pick bonds issued by stable companies (or a fund of investment-grade bonds). However, in the present investment climate, this means that you are looking at returns not significantly better than those of a high-yield savings account while taking on a certain amount of additional risk. Bonds today can easily have a place if you have to pick some form of investment vehicle, but if you have the option of keeping the cash in a high-yield savings account, that might actually be a better option. Any stock market investments should be seen as investments rather than a safety net. Hopefully they will grow over time, but it is perfectly possible that they will lose value. If what triggers your financial emergency is anything more than local, it is certainly possible to have that same trigger cause a decline in the stock market. Money that you need for regular expenses, even unplanned ones, should not be in investments. Thus, you first decide how large an emergency fund you need based on your particular situation. Then, you build up that amount of money in a savings vehicle rather than an investment vehicle.
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At some point in the future, you may save enough to buy a house where you wish to live, but need to sell the rental. Consider a 1031 Exchange. It's a way to sell a rental and buy a new one without triggering a taxable event. What I don't know is how long the new house must be a rental before the IRS would then allow you to move in. The same way you turned your home into a rental, a rental can be turned back to a primary residence. I just doubt you can do it right after the purchase. As fellow member @littleadv would advise, ""get professional advice."" And he's right. I've just offered what you might consider. The first year tax return with that Schedule E is the toughest as it's brand new. The next year is simple in comparison. The question of selling immediately is tough. Only you can decide whether the risk of keeping it is too great. You're saying you don't have the money to cover two month's vacancy. That scares me. I'd focus on beefing up the emergency account. And securing a credit line. You mentioned the tax savings. My opinion is that for any investment,the tax tail should never wag the investing dog. Buy or sell a stock based on the stock, not the potential tax bill for the sale. In your situation, the rent and expenses will cancel each other, and the depreciation is a short term loan, from a tax perspective. If you sold today, what do you net? If you analyzed the numbers now, what is your true income from the property each year? Is that return worth it? A good property will provide cash flow, principal reduction each year, and normal increase in value. This takes a bit of careful looking at the numbers. You might feel you're just breaking even, but if the principal is $12K less after a year, that's something you shouldn't ignore. On the other hand, an exact 'break-even' with little equity at stake offered you a leveraged property where any gains are a magnified percentage of what you have at risk.
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No, I didn't write anything about whether we should have invested in the interstates, just that comparing a public infrastructure project to private subsidy (a tax break has the same economic effect as a direct subsidy--more money circulating in the market, not tied up in government) is not an equal comparison. If you really want to push that button, I would argue that investment in public infrastructure is a better investment than giving tax breaks to corporations. Especially corporations like Foxconn, with a track record of not living up to promises like these.
is There Anyway I can Avoid losing 6-10% per Trade. As My Current Investment House Has Charged & will Be taking 5% hit quarterly If Left Untouched  Stop trading penny stocks.  Take your investment elsewhere and put it in a low-fee index fund ETF.  You'll probably get a better return on your money.
"I think you need to change the title from Career to ""A Primer in Investment Banking"" or ""What is Investment Banking"" ... I did not find any information relevant to career there, but its a nice what is article - upvote for that."
One thing I like to do every once in a while is look at the day's market movers. It's a list of symbols that had huge movement. There tend to be a couple of 50+% movers every time I look. In fact today I see ATV moved up 414.48%:  So there it is—doubling your investment in one day and then some is technically possible. The problem is that the market movers chart also has an equal number of symbols that had major movements in the other direction. Today's winner is:  SPCB  lost 40% in one day, and thats the problem. If you invest in anything that can double your investment in one year, it can also halve your investment in one year. Or do better. Or do worse. You really don't know because the volatility is so high.
I dont really know any better than you. But, the kindle fire has gotten some very bad reviews and that could actually be a pretty big deal, if the return on investment doesnt pan out.  There is a long way down for amazon.  especially with a p/e of 95.
"an account balance is your total in the account.  The word balance means ""to be equal"". The use in finance stem from accounting. However you do not need to know why its called a balance to understand that a balance is equal to something. IE: your ""account balance"" is your total account weather its savings, electric bill, or investment portfolio. A position in your investment portfolio is what you are invested in. IE: If I went 100 shares long(I bought) Apple then I have a 100 share position in Apple. Your position is added to your account balance within your investment portfolio."