vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Some builders -- if given the first chance to deal with the problem, instead of being presented with a bill after the fact -- will fix the problem at no charge to the homeowner. Good faith matters. My house was built by such a builder. If I have a problem that I am competent enough to diagnose and fix, I fix it myself, at my cost. If I have a problem that that I cannot diagnose and fix myself, but that I think the builder (or his subcontractor) is competent enough to diagnose and/or fix, I contact the builder (or subcontractor directly). I am willing to pay for the diagnosis and/or fix, especially if it is an aging or wear-and-tear issue, or the logical consequence of a cost-saving measure that I voluntarily chose when the house was being designed. If the problem is a plumbing problem, I contact my preferred plumber for a diagnosis and/or repair. I pay for my preferred plumber's work. On two occasions, my preferred plumber was unable to fix the problem. Both problems turned out to be installation (or testing) errors related to work done specifically for building inspections. In both cases, I paid for my preferred plumber's diagnosis, and the builder (and/or his subcontractor) fixed the problem at no additional cost to me. The diagnosis and repair work that you describe seems like a similar situation to me. (In fact, I had my builder's subcontractor replace a few prematurely damaged shingles on my roof. This repair prevented a roof leak. I noticed the problem while trimming a tree back from the roof. The shingles were damaged because the building permit implied that the tree could not be trimmed back. I'm spotting a pattern with these problems…) In my opinion, the alleged problem with the roof pitch seems like a design flaw that should have been obvious at the time you chose the house design. I expect that any corrections of this design flaw will need to come out of your remodelling budget. In the absence of further details, I doubt that either the builder or the homeowners' insurance company is responsible for it.
Don't be a coward. Speak your mind as you have been. By your voting habits, I can figure out what type of lunatic I'm dealing with.   Have you ever read the Koran? Don't take my word for it, here, have a look:  http://www.thereligionofpeace.com/pages/quran/violence.aspx  You might want to rethink the terrorist organization you are defending in the name of actual religions.
I thought this was a very good write up. I don't work for a pay cheque, if I love my job, money is unimportant. Its not totally out of the way, I believe in a fair days pay for a fair days work. I've seen lots of different boss 'styles' and really I need to respect my boss or its very hard to stay in the job, even if I like the job. I love change and love to learn. I've had plenty of that in my short 9 months with my current organisation. I've been in the work force for 32 years and seen lots of changes. I've settled down and decided I want a happy environment to work in, no drama in the office and a boss who I can learn from and respect. Money is secondary to all this.
My family business is in Thailand, and I am an Indian citizen, so getting a job in Thailand is not possible. Until I complete Level 1 (if I take the Dec exam), I will have to work in my family business. Then I have will have to shift back to India to find a job while studying for Level 2.   It is highly likely that I will not get a job till I finish Level 2. It is also highly likely I may not complete all 3 Levels in the first attempt.
What the fuck are you talking about. How does religion personally insult you on a daily basis? Do they insult you by serving you free food because you're homeless? Do they insult you by running orginizations that pay for peoples gas or electric bills in the winter seasons so they don't freeze to death?   Seriously people, what the fuck are you doing in your daily life? You're doing fucking nothing with it and you're just on reddit all day making shit up to bitch about, right? I work at a Catholic run non-for profit hospital which treats many children for free even from money we make at fundraising events. Is that so fucking terrible? That children are living because of money this hospital makes through the help of the archdiocese in my city?  Know what's funny? I can manage to be agnostic and not be a judgmental prick just because someone is christian, as long as they don't take it in their own right to attack my own beliefs or try and push their beliefs on me (which has never happened to me in my entire 21 fucking years).
Uh, yeah, it's all good because... I'm the consumer. My role is to pay for and receive a product or service I've deemed worth my dollar. Where in this are you confused? I'm not chief of Sharia morality police for corporate officers, I'm a guy going to the airport. And if United has the best flight to get me where I'm going I'll take that plane, too. I'm about getting the best product or service for the money spent, not trying to start a VC firm with no ROI by propping up businesses that don't offer what I want. Should I go slap a hundo down at the farmers market, too, and walk away without any food just because I like their business practices even though it's 15 miles out of my way compared to my grocery store across the street?   People get so up in arms about corporate operations now that instant data transfer allows you to become an alleged expert in a company's internal operations mere moments after a story breaks. The beauty of the market is I get to spend my dollar where I want to and you get to spend yours where you want to. If you don't like it, I hear North Korea is nice this time of year.
I think women are at risk from it because they have a need to become self employed not a want. If you don't have a rich husband you have a choice between  going back to work after your maternity leave (if you're in a country which will give you one) or being on single mom benefits. Neither are appealing. I'm self employed which means I can spend time with my baby and have money. People probably assume it's because I am part of a mlm scheme too!   In my opinion mlms usually target women because of this.
My job didn't rely on the [EDIT] local economy. I worked in a bank that serviced nationwide loans for auto dealerships and other services. The fact that the bank owner one day decided that he wasn't making enough profit and was going to shut down the bank came as a surprise to everyone - including the bank president, it seems.  So after that happened, then trying to find a job in a local economy that was tanking - yeah, it sucked. Then again, I had been living in Utah for years before, during, and after the Olympics, so that didn't factor as a variable into my work equation until after I was laid off.
Costco is one of my favorite places to shop.  I hardly ever find better prices elsewhere and their return policy is pretty amazing.  That being said, biggest complaint I have are the long ass lines and parking is a nightmare.
i will probably choose to buy a stereo or a dvd player, as opposed to designing and building my own, but i can grow a potato, as long as i dont go to prison for growing a potato.  i just might grow my own produce, you dont know what i grow.  but i do not have the freedom to grow weed, because the police will raid my home and take my children and they will put me in prison and they will auction my home to strangers, lol...  for the five hundredth time, i have the freedom to grow a potato or a carrot, but if i grow one single weed plant i will be sent to prison with murderers and rapists.  #when weed is decriminalized, then i will not need to buy weed from criminals,... lol..
"Let me give you some advice from someone who has experience at both ends - had student loan issues myself and parents ran financial aid department at local university. Quick story of my student loan. I graduated in debt and could not pay at first due to having kids way too early. I deferred. Schools will have rules for deference. There are also federal guidelines - lets not get specific on this though since these change every year it seems. So basically there is an initial deferment period in which any student can request for the repayments to be deferred and it is granted. Then there is an extended deferment. Here someone has to OK it. This is really rather arbitrary and up to the school/lender. My school decided to not extend mine after I filled out a mound of paperwork and showed that even without paying I had basically $200 a month for the family to live off past housing/fixed expenses. Eventually they had to cave, because I had no money so they gave me an extended deferment. After the 5 years I started paying. Since my school had a very complex way to pay, I decided to give them 6 months at a time. You would think they would love that right? (On the check it was clearly stated what months I was paying for to show that I was not prepaying the loan off) Well I was in collections 4 months later. Their billing messed up, set me up for prepayment. They then played dumb and acted like I didn't but I had a picture of the check and their bank's stamp on the back... They couldn't get my loan out of collections - even though they messed up. This is probably some lower level employee trying to cover their mistake. So this office tells creditors to leave me alone but I also CANNOT pay my loan because the credit collection agency has slapped a 5k fee on the 7k loan. So my loan spent 5 years (kid you not) like this. It was interest free since the employee stopped the loan processing. Point being is that if you don't pay the lender will either put your loan into deferment automatically or go after you.
Fuck that. Let the market do its work.  I'm telling you now, I simply refuse to eat manufactured meat in its entirety. I am a hunter I eat meat that I harvest in the wild it allows me to provide healthy, free range meat to my family and take part in not only nature but a cultural tradition that is older than humankind.   Sorry but whilst factory meat might make up some of my diet at some stage in the future it will not account for the majority of my meat consumption.
"I was a Primerica representative, left to be on my own, and then returned. Insurance is one matter that depends on the individual. Some do not need it.  For example, when I was an independent agent with an independent marketing organization (IMO) (oh yes! multi-level is everywhere, dont kid yourself) I had an upline as well. We were pushed to sell final expense [burial insurance].  As an ethical agent, I believe this is a bad business practice.  Primerica does not sell unneeded insurance to old people. How can you justify selling the elderly, insurance to cover them for $10,000, at almost 100 to 150 a month? I told my elderly potential clients, after seeing they live on a tight budget,  that they were better off purchasing a cremation policy or funeral package than burial insurances as it would save them money in the long run. Primerica is right in saying they are the only ones out there catering to the Working Class and Middle-America. Where else can you start an Individual Retirement Account (IRA) with $25 a month?  Nowhere! All the other insurance producers want more money. They don't want to spend their time with what they call ""losers"".  I love showing Poor people how the Rich get richer.  Poor people should know the truth."
I'm glad to hear that someone so senior in their organization has so much respect for the rest of the team. As a student, you often hear how finance is ultra competitive/aggressive. As someone that is very competitive and is also empathetic and mindful of how their words affect others, it's nice to see that preconception proven wrong.   Just had to share my thoughts. Best of luck!
I like to put money I am going to spend in my Quicken register (similar to Money in my limited experience) and that is the big ticket feature missing from mint.com.  Mint.com can only tell you what you did, or in a very general sense what you plan to do. As a register, mint.com is flexible enough for me to categorize my transactions.  As a planning / budgeting tool mint.com is very simple and fast to get going, but lacks the depth of a budget I want to manage every week.  Mint.com also tracks my investments, but I freely admit my investment management is nothing more than putting money into the same accounts.  I bother with investment tracking other than looking to see it isn't zero. I say try mint.com.  Mint.com has a place to totally delete your account.
&gt; If I want to pass on my success to my children it should be my choice  Fine. Pass on the *money you earned while you were alive*. After you're dead, you're not producing *anything*. Why should third parties who never were involved in your 'property' continue to get paid?
I'm seriously considering liquidating my Roth as it's taken me years to build what I have. My rationalization: the market feels really expensive, and I feel a lot of risk with our current political climate. Is it normal to feel like you're sticking your neck out during times like this? I'm feeling pretty gun shy after 08-09 (stayed in market even though I got creamed).   Or am I being a panicked little kid that needs to take a deep breath and ride the upcoming uncertainty (translation: stay in the market)?
this can be the words that sustains me on track straight through my day. I’ve been searching around due to this site after being known as them from the colleague and was thrilled after i could locate it after in search of very long time.
I'm in the US and I once transferred shares in a brokerage account from Schwab to Fidelity.  I received the shares from my employer as RSUs and the employer used Schwab.   After I quit and the shares vested, I wanted to move the shares to Fidelity because that is where all my other accounts are.  I called Fidelity and they were more than happy to help, and it was an easy process.  I believe Schwab charged about $50 for the transfer. The only tricky part is that you need to transfer the cost basis of the shares.  I was on a three-way phone call with Schwab and Fidelity for Schwab to tell Fidelity what the purchase price was.
This definitely helps me clear my head when I think about my future, I am fully aware that most lower level internships don't amount to employment (especially after Freshman year).  I totally understand what you are saying, it is more so that I'd rather be learning something and working hard hours than working hard hours in retail or a restaurant. I worked in the service industry and I felt frustrated because I was surrounded by idiots (drug addicts, alcoholics, drop outs) and sometimes being surrounded by a lack of ambition can just get to you.
So is it weird that I write my check to the name of the company on the power plant?  I cannot for the life of me see any of the middle men in my distribution channel.  Where I am, you usually get power right from the big energy company (Xcel in my case) or if you live out of town you can opt for the co-op (that buys from Xcel).  The co-op is in theory the better deal because they can negotiate larger volume pricing and all profit from the co-op goes to its members, but there aren't very many steps either way.  edit: after a bit of digging, my power provider is also a buyer, but most definitely the owner of a large nuclear plant near me.
Took it early in the Spring, got a 98th percentile. Got about 20 requests for my resume since then, but no responses back after I released it. Most of the firms asking for my resume were undisclosed.  Test is really easy. You are probably going to be surprised by how well you will do. I would take it, maybe you will have more luck than me in getting responses.
Thanks for your reply.  I agree shooting down the majority of Chinese as being shady is perhaps unfair. I was just left with a really bad taste after all the crazy situations I was in during those 10 years. I am sure they have some strong opinions about Americans also.   On the USA side I did bring my usual law firm in on a consultation and even contacted and consulted with a firm who specializes in Transportation Law. My wife and the Chinese side thought that was a waste of money - but it was valuable on answering many of the questions you bought up, including things like a DOT registration and so on. As for it being salvageable, I think not, as I cannot work with someone I don’t trust. The “recovery” is not much - just under $3000, as it was caught before the warehouse lease was signed/etc.  part of the problem was I required a “good faith” payment from them before the lease signing which they did not do. The Chinese side is scared of me for some of the reasons I alluded too in my original post - and they have agreed to pay that amount on Monday. I will give them a receipt for their payment, and move on without any further action. I think my wife has learned a lot from this - I have perhaps also - both about my wife and what she is willing to do and how much she wants to start a business. I agree that my demeanor is perhaps not 100% when I feel slighted - I will try to temper that some in future - but most importantly - through clearly defined roles and responsibilities. Thanks again!
I've been with my credit union for 8 years now and I love it! I also don't deal with any of the problems you are talking about. I don't pay fees at any atm, at least not ultimately. If an atm charges me a fee then it's refunded to me at the end of the month. My online banking is very good, even have an app that allows me to remote deposit checks. Oh, and my loan interest rates are really decent too.   While the banks are nickel and dimeing you to death my CU pays me every month and charges no fees.
"I work for 15 years now for the same company and I have no fear about my career or finding a job, even when I am in my 50s.  Why? Because I am an expert in a narrow field and have skills TO DO something. I am a techie. But I am a techie in a field that is not changing much and I keep updating myself. I also ignore what my boss tells me to do, and I always go into areas or develop areas that I think have potential for the future.  It's very important to pick a field that is not changing much and you think there will always be a demand for it.  I hope my son will become a doctor, or a techie like me.  In the last 25+ years of my employment, I saw many people let go. They were all ""paper pushers""."
I think it depends a lot on your idea of how you should relate to your neighbors. Personally, I think that I should be allowed to do just about whatever I want with my property, and I grant my neighbor the same right. If my neighbor wants to paint his house purple with orange stripes and fill his front lawn with pink flamingos, I think that's his right. If I don't like it, I don't have to look at his house. (I would draw the line at things that I cannot avoid by simply looking the other way, like running jet engines in his back yard at 2 in the morning, as I could not avoid the noise. Or dumping toxic waste on the street, as it will cause health problems. Etc.) Others think it IS their business what their neighbor does with his property and want to be able to control it. They want someone who has the authority to force everyone in the neighborhood to paint their house in colors deemed acceptable, to meet certain requirements for yard work. And that's what Home Owners Associations are for: to require that everyone in the neighborhood maintain their property according to a standard set by the HOA, which should theoretically represent the wishes of the majority. Of course the price you pay for giving you the right to tell your neighbor what kind of fence he is allowed to have is that now your neighbors can tell you what kind of fence you can have. Advocates of HOAs often say that they are necessary to protect property values. Personally I think this is something of a circular argument: I must have the right to prevent my neighbor from doing something that, in my opinion, makes his house ugly, not because I necessarily have no choice but to stare out my window at his house all day and be repulsed by it, but because someday I may want to sell my house to someone who will have no choice but to stare out the window at his house all day and be repulsed by it and so will not want to buy my house. Of course if we all just minded our own business, this wouldn't be an issue. Okay, this was pretty much an anti-HOA post, but I did TRY to state the other side of it.
Dude. This is so true. My husband works out of town so I'm basically a single mom. I wake up, get myself ready, our three kids ready, drop them off at daycare and school, rush to work, rush from work, pick them up from after school care (2 different places). By the time I get home it's already 6pm. Then I have to feed/bath/do homework with my munchkins   Oh did I mention I'm also a Junior college student taking 18 hours?! So the second I get them handled I have to work on my class work, sometimes until 3am.   Then on Saturdays  I photograph weddings! Sunday morning we visit my grandmother in law. So on Sunday evenings and on Saturdays I don't have to work a wedding, I am doing housework, grocery shopping, etc. Any convenience I can afford I will use! Anything that helps me get a moment to breathe or play with my kids I'm grateful for.   I'm not going to use this Amazon feature bc it freaks me out but I am not that far from being that desperate lol.
I think I may have figured this out but if someone could double check my reasoning I'd appreciate it. So if my company makes $75000 and I decide to pay myself a $30000 salary, then the quarterly payment break down would be like this: 1040ES: Would pay income tax on non salary dividend ($45000) 941: Would pay income tax, SS, medicare on salary ($30000) (I'm the only person on payroll) So I think this answers my question in that after switching from filing as LLC to S-corp, I won't have to pay as much on 1040ES because some of it will now be covered on payroll.
if I want to go to downtown paris it's faster to take then high speed train from amsterdam for me, or drive down. Is it worth it, up to you. There's a lot of culture there, history, nice touristy things, you can say you've been there... On the other hand it's also a busy and somewhat dirty city. Been there twice, once on a company staff weekend and once with friends going to an exhibition we wanted to see at the louvre, and went to see the city for a couple of days. Fun to have been there, but not in my top-5 favorite cities list. If you can work it in sure, go and see it. Do some touristy stuff if you have the time, or just tour the city a bit, maybe have a wine and dinner by the Seine river, see the louvre or the opera, whatever. Would it make a fun weekend? Sure. Would I make it the centerpiece of my holiday, probably not.
I'm a Canadian who regularly travels to US (9-10 times a year) and I hope I'm not offending anyone when I say that every airline within US is garbage - except for Alaska but that's west and I live on the east. It boggles my mind how poor the customer service is and how little you get for your money. My least favorite is United ... of the 20+ flights I've done with them 0 have departed on time or wasn't cancelled. I now try my best to only do Air Canada which isn't the best bang for your buck but at least it has slightly better legroom and interactive TVs for every seat.
I actually beg to differ.  I am doing the exact same job that my father did in 1980.  After inflation I make less than half what he did.  Even with additional bills it doesn't account for that drop in real wages.
Oh, no, I'm being downvoted because there's a user in /r/Seattle who gets online every couple of days and uses several sockpuppets to downvote my history. It has nothing to do with this post, look at my history - a page in I'm solidly at -5, because he goes back day after day.  Edit: Also, note Sinofsky wasn't just senior. He led Windows 7!