vania-janet/multiturn-rag-retrieval-data huggingface dataset:
&gt;This is directly the result of about 50 years of carefully applying the value investing philosophy  Ha. Nobody can prove that. Berkshire Hathaway could just be lucky. You can't even come *close* to making a solid argument that points in either direction. The factors involved are far too complicated. In fact, that leads me to my response to this thread:  Nobody actually knows what the hell is going on in the stock market, and if they do they aren't telling you; if they do tell you then it's no longer relevant.
These products exist to fleece the consumer without quite breaking the law. Of course, everyone goes to see them because they have well lit offices in every town, and they're free and easy to deal with. Don't feel like you need to know everything about finance to invest. You don't need to understand every complex financial product that the brokerage houses bave dreamed up: they are designed to conceal and confuse, as I discuss above, and you don't want them. The core of it is fairly simple, and that's all you really need to know. Look at any smaller university and how they manage their endowments. If whole life, annuities and those complex financial ""products"" actually worked, university endowments would be full of them. But they're not! Endowments are generally made of investments you can understand. Partly because university boards are made of investment bankers who invented those products, and know what a ripoff they are. Some people refuse to learn anything. They are done with college and refuse to learn anything more. I hope that's not you. Because you should learn the workings of everything you're investing in. If you don't understand it, don't buy itl And a fee-only financial advisor won't ask you to. 1000 well-heeled, well-advised university endowments seek the most successful products on the market... And end up choosing products you can understand. That's good news for you."
So the banks and funds that the billionaires keep their money in doesn't help economic activity or growth? You need to learn how money flows and circulates through the economy.   Also your hypothetical scenario is absolutely terrible.  A billionaires income = 30% of their net worth...come on. Someone making 50k and spending 45k of it needs to start making smarter financial decisions   Please tell me what you believe the proper tax rate should be on America's wealthy, given that the top 1% of earners already contribute more than 1/3 of the IRS's revenue
Read Warren Buffett's letters to his shareholders - they are such an interesting read and I guarantee you'll learn more than financial modelling - you will learn how to think about these businesses. Must be what 700-800 pages in total?
This question is a bit off-topic, might be better moved to another SE site. But I'll answer anyway: Sounds like the problem is that your wife is potentially being taken advantage of by people who may not really be prospects. Keep in mind no one can take advantage of you without your permission. There are also some things you and she can do to reduce the amount of wasted time while minimizing the risk of giving up on a potential sale. Qualify your leads: make sure these potential clients are really, truly potential customers. Ask whatever questions you have to ask in order to qualify them as real house hunters. It doesn't have to be binary: you can have hot leads ready to buy now, and lukewarm leads who may not buy for 12 months or more. Treat each one accordingly. Set limits: a lukewarm lead is not allowed to call you 20 times a day. Answer their calls just once per day. By answering the phone every time they call you are training them to call as often as they like! If you only return calls once per day they'll quickly learn to save their questions up and ask them all at once. Showing 10 houses sounds a bit silly. How can you remember any details after seeing 10 houses? By asking more questions and learning more about what your clients want in a house, you can reduce the footwork. Me, I'd flat out limit it to three houses per outing, and I wouldn't even hesitate to tell the client why. I think all these things will come in time. Like any new venture, she needs some experience to learn how to maximize her efficiency and effectiveness. Keep in mind it's better to have the phone ringing too much than not at all!
"Navigating in Windows takes way too many clicks. Find a way for me to get to what I want without digging and holding my mouse over things and then you'll help me realize my full potential.  I'm not going to learn to customize anything either. So develop your solution around that; Get the user what he/she wants without them having to explicitly tell you exact details.  Maybe you turn on something that watches how I interact and what programs I use. Maybe there's an ""App Store"" in the OS that only sets up what I've selected. Maybe millions of ideas - but solve that problem and you'll have a happier user.  Build the machine around the user's style. DONT force the user to make the machine work for them.  edit: I don't have a Mac so I don't know if that's how they work. But I did just get the iPhone 5 (from an Android) and God Damn that's the way a device should function. It's built around HOW I use the phone and I don't have to figure anything out or force it to work for me. It just works. Even after rooting and various tools the Android was still something that worked against me rather than for me."
Fundamental Analysis can be used to help you determine what to buy, but they won't give you an entry signal for when to buy. Technical Analysis can be used to help you determine when to buy, and can give you entry signals for when to buy. There are many Technical Indicator which can be used as an entry signal, from as simple as the price crossing above a moving average line and then selling when the price crosses back below the moving average line, to as complicated as using a combination of indicators to all line up for an entry signal to be valid. You need to find the entry signals that would suit your investing or trading and incorporate them as part of your trading plan. If you want to learn more about entry signals you are better off learning more about Technical Analysis.
Non-cooperative game theory is where none of the participants work together.  That, and the exploration of non-cooperative outcomes.  I am a computer programmer, and one of my first projects was based on Game Theory (aside from the Prisoner’s Dilemma, which everyone has to do), and using basic rules to get AI to learn to accomplish goals.  The Game Theory aspect was in the logic for how the AI chooses what to learn and what to discard.  What about non-cooperative game theory do you wish to educate me on?
"&gt; If he's also a top notch electrician, I listen to him when he gives me electrical wiring advice, I just don't let him choose where we go for dinner.  ""Now most folks will tell you that fuses are rated for 20 Amps, but they're just being over-cautious. I go to 25 and even 30 Amps all the time with no problem""  Do you trust *that* electrical opinion? Does his restaurant choice affect how you feel about it?   Compare that to another friend who steered you away from another restaurant because he ""heard someone got sick there once."" He also drives the car rated #1 for safety and can tell you exactly why. He always lectures you for riding a bicycle without a helmet, and offers to sharpen your kitchen knives because a sharp knife is less likely to slip and cut your finger.   When *that* guy says you can go to 30A on a fuse, how do you feel about his opinion as an electrician?   Still say that non-electrician decisions have zero bearing on how you feel about his abilities as an electrician?   BTW, I'm done here. I've made my point. We can agree to disagree."
So working at a cafe doesn’t mean you will learn everything you need to know to run a cafe. Are you being exposed to how the finances/taxes/food regulations are handled?  How about ordering/managing supplys?  How about employee management?   They aren’t gonna teach you all of that in business school probabably either but they will teach you stuff you didn’t know you needed to know.   I say skip school but realize it comes at a cost too.
"All of the provided advice is great, but a slightly different viewpoint on debt is worth mentioning. Here are the areas that you should concentrate your efforts and the (rough) order you should proceed. Much of the following is predicated upon your having a situation where you need to get out of debt, and learn to better budget and control your spending. You may already have accomplished some of these steps, or you may prioritize differently. Many people advise prioritizing contributing to a 401(k) savings plan. But with the assumption that you need advise because you have debt trouble, you are probably paying absurd interest rates, and any savings you might have will be earning much lower rates than you are paying on consumer debt. If you are already contributing, continue the plan. But remember, you are looking for advice because your financial situation is in trouble, so you need to put out the fire (your present problem), and learn how to manage your money and plan for the future. Compose a budget, comprised of the following three areas (the exact percentages are fungible, fit them to your circumstances). Here is where planning can get fun, when you have freed yourself from debt, and you can make choices that resonate with your individual goals. Once you have ""put out the fire"" of debt, then you should do two things at the same time. As you pay off debt (and avoid further debt), you will find that saving for both independence and retirement become easier. The average American household may have $8000+ credit card debt, and at 20-30%, the interest payments are $150-200/month, and the average car payment is nearly $500/month. Eliminate debt and you will have $500-800/month that you can comfortably allocate towards retirement. But you also need to learn (educate yourself) how to invest your money to grow your money, and earn income from your savings. This is an area where many struggle, because we are taught to save, but we are not taught how to invest, choose investments wisely and carefully, and how to decide our goals. Investing needs to be addressed separately, but you need to learn how. Live in an affordable house, and pay off your mortgage.
I don't think it's hard but definitely not easy either. It is very time consuming. The hardest things is about how to apply the abstract strategies as example link building. You will learn the difference between links, how to get a backlink and etc. The problem is that you need most of the times to be creative and make your own strategy because sometimes that same strategy that you learn won't work in this case. So because of that I believe you need a good amount of knowledge to know how to adapt and always make the most efficient strategy for that case.   Digital marketing have a lot to learn and different niches. I would suggest you to pick one (SEO, SMM, PPC, SEM, email marketing, content marketing, video producing, Youtube marketing, influencer marketing, reputation management and more..) Those one are some of the most popular but we have way more and many niches inside them.  What I suggest is to choose one of them and found a good source of knowledge to learn. The problem to learn by yourself is that it will take time to filter what is good and what is not. And mostly people will give you a bad but baiting content in order to sell you something in this market. So be careful with scammers.  Hope it helped.
You sound like you are budgeting too much for food.  Try limiting yourself to $200 a month for food and take that out in cash.  When it's up, it's up.  It's a hard way to learn but if you can tackle that, then budgeting for other things gets easier.   In terms of your fear of doing a financial bellyflop, which is valid, it sounds like you may need to both sit down and learn a little more about personal finance.  Try mrmoneymustache.com or fivecentnickel, or any of the other frugal living blogs that are out there.  There are whole communities that can help you and give you tips to do more with less, and learn budgeting and finance and how to handle your money and your future.  And no worries, the fact you are concerned enough to look for direction now means you may be able to avoid your fear completely.
So, you agree that the government is actively colluding with klepto-capitalists to restructure the US into a series of all-dominating monopolies crushing consumer value and worker interests, but you don't think the gov officials doing that are in it for their own gain and not yours?  Bro, do me a favor, look up Hillary Clinton's net worth, and tell me how the fuck she did that on a gov salary. Look up Susan Rice's net worth. Look up just about any congressmans net worth and tell me how the fuck they did that.
"&gt;If you leave and pursue IBD, they will respect that and help you whether you stay or not...unless they don't give a shit. You can very easily say ""I don't think this is the best place for me to learn X, I need to go to Y company to achieve this. It took me Z weeks to learn this""   &gt;Of course this doesn't apply if you've known this person for years beforehand, but I'm 95% sure this is what you need to be aware of. Management sucks when you aren't in their ""club,"" (which it sounds like you're not) it's a part of life.   Can you elaborate? I'm not sure I understood all of it. Essentially you're saying she won't help me, period?"
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No one on here will be able to tell you if now is a good or bad time because that would require them to speculate on the future FX rate, if you want a guess try to find some forward FX rates and see but tbh its not worth doing for your situation instead of trying to speculate on the FX rate you would be better off exchanging asap and investing if your worried about making the most of the money..
&gt; When you learn to write English, write again and I will answer.  This personal attack on another poster is hilarious, considering that you tried to lecture me about not making personal attacks when I pointed out flaws in your English earlier.     lol
How can you relate this to your super fund? If it does provide you to change your investment choices, then I would be invested in more aggressive investments like shares when the ROC crosses above zero, and then when the ROC moves below zero take a less aggressive approach by moving your investments in the super fund to a more balanced or capital guaranteed strategy where less of your funds are invested in shares and more are invested in bonds and cash. You can also have a similar approach with property. Learn about the property cycles (remember super funds usually invest in commercial and industrial property rather than houses, so you would need to learn about the commercial and industrial property cycles which would be different to the residential property cycle). Regarding your question about SMSFs, if you can increase your knowledge and skills in investing, then yes switching to a SMSF will give you more control and possibly better returns. However, I would avoid switching your funds to a SMSF right now. Two reasons, firstly you would want to increase your knowledge as mentioned above, and secondly you would want to have at least $300,000 in funds before switching to a SMSF or else the setup and compliance costs would be too high as a percentage of your funds at the moment ($70,000). You do have time on your side, so whilst you are increasing your funds you can use that time to educate yourself in your areas of interest. And remember a SMSF is not only an investment vehicle whilst you are building your funds during your working life, but it is also an investment vehicle when you are retired and it becomes totally tax free during this phase, where any investment returns are tax free and any income you take out is also tax free.
Anyone who claims they can consistently beat the market and asks you to pay them to tell you how is a liar. This cannot be done, as the market adjusts itself. There's nothing they could possibly learn that analysts and institutional investors don't already know. They earn their money through the subscription fees, not through capital gains on their beat-the-market suggestions, that means that they don't have to rely on themselves to earn money, they only need you to rely on them. They have to provide proof because they cannot lie in advertisements, but if you read carefully, there are many small letters and disclaimers that basically remove any liability from them by saying that they don't take responsibility for anything and don't guarantee anything.
I can make that claim because I've dealt with negotiating with taxi insurance before. This doesn't have anything to do with the courts. This comes down to the driver and their insurance. Your regular car insurance doesn't cover commercial use. If you're using your vehicle for work, you have to tell your insurance company and then they adjust your policy. If you tell them you are running a cab service, they will straight up cancel your policy because there is an entirely separate insurance industry for cab companies.  So, please, tell me more about the industry I worked in for 8 years.
"Couple of things to make sure you have going for you since you are not at a target school are as follows:  1. Make sure your GPA is amazing and if it isn't make sure you are in 3-4 professional organizations (not just join them, get involved).  2. Make sure you know technicals and how to talk about them, VERY IMPORTANT  3. Start applying to internships at all of the banks, Big 4 Accounting, PE, fund account firms in the city (there are many). You have to get an internship this year and next year, the more the better. get summer/fall/spring internships.  4. Network with any and every person you know in IB, working in M&amp;A, working for IB shops, working for PE shops, other finance alumni.  5. Do more networking, find out if there are any networking events, conferences, meet and greets, charity events, NFP events (there are a lot, just need to find them). Don't bombard people with the ""I'm at DePaul in Finance and want to be in IB."" story line, perfect/hone/practice/perfect your elevator pitch. Remember, you don't need to tell why you need a job, you need to tell them why they need you to make money.  6. Find some industries that might interest you (and are valuable) and learn them. Learn the technicals to solar energy or some emerging markets.  PS: I know you want to make a shit ton of money, but you'll fail in IB if that is all you want to do because the guys that get these roles love the job because of the chase and the deal. They fundamentally understand the markets they work in on another level, they make themselves valuable to the firm they work for. I think you should dive into what IB is first."
"If you do not want to learn basic history of what ""russia"" was 300 year ago, I can tell you only that Ukraine is totally different country from that ""Nigeria with snow"" as Moscow emigre Sergei Brin called it"
To keep the math simple, say you are in the 25% federal tax bracket. Your 4% mortgage effectively costs you 3%. Did Mr Advisor tell you what he suggests investing the money in? Borrowing at 3% net to put the money in .1% CDs makes little sense. And for most people, investing it in the stock market hoping to come out ahead, also makes little sense.  Credentials or not, people like him give humans a bad name, and make me love my dog even more. I'd stay far away from this guy. Very far away.  Edit - on further reflection (seeing mhoran's reference to $100K) it occurred to me that once a house is paid off, the only deductions allowed is for the first $100K of new mortgage or HELOC, absent a renovation or improvement of some kind. Given the limit and current 4% rates, it would seem to me that a rich retiree paying a fortune in taxes, isn't going to benefit much for a $4000 deduction.
I have prepared a report on scam's like this. I'd be happy to deliver a copy of the report to your home. Just give me your address and mail me the keys to your house and I'll drop by and leave it in your home. Oh, and tell me a time when you won't be home, so I won't bother you when I come by. It might also be helpful if you tell me if you have any cash, jewelry, or other valuables in the house and where you keep them, so I can give you advice on security measures. :-)
As someone fairly new to finance and investing in their 30s, the market is doing too well right now for me to use someone else to tell me how to invest the Sp500 alone is doing so well it is almost a can't miss. I am smart enough to know right now that it is easy and the real value if a financial planner comes when the market is going down. Which is impossible to predict.
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"&gt; In a far more measured and responsible way.  How about some specifics? You're pushing freedom of choice of government as a superior alternative to what we have. Surely you must have a deeper thoughts about a basic division of resources question than a Trump ""it's gonna be great, the best"" answer.  So, five governments in the USA: Are you going to have five different militaries or one combined one? I see catastrophic flaws with either approach so tell me how this could work."
illegal? no. free speech issue? no.  Free Speech is a contract between citizens and the government.  Between citizens, if you say something stupid, like 'the earth is flat', or 'vaccines cause autism' or 'build a wall MEGA'  I'm allowed to laugh at you and hold my own opinion that you're a dumb ass and you don't know what you're talking about.  You don't have to agree with me and I don't have to go to the bar and buy you a beer, and the government can't arrest you.  You can't however express your opinion then tell me what my opinion of it should be.  It's just like your opinion man.  And I'm allowed to make free choices as to how I interact with you as well.  We are all playing by the same rules here.
This just happened to me to! At target. I have no idea if its a scam but that is the same thing i am thinking. They Lady who told me about it didn't tell me anything about her business. Just to go to the link....which isn't working. Idk its feels pretty shady. She did everything you said above.
&gt; That is totally it! I am so impressed that even though I never mentioned Russia at all you were able to see through my facade an pinpoint my actual goal in this discussion. Yes, you did not mention ""Russians!"" but, you see? I easily figure out people like you. You actually also believe that ""Russians!"" are responsible for Trump in addition to all the terrible things you believe about Trump. But, the DNC and Hillary, oh no, they are fine (despite Hillary selling and getting commision for selling 20% of USA Uranium to Russia, making $500,000 for a speech to Russian bankers, etc). **So, I will not stop and demand, if you can, to tell me about one ACTION by Trump you oppose to.** **Also, tell me why I it would be better if voted Hillary/DNC? What would they do better for us that Trump does not do?**"
I find it funny that I was downvoted and you were upvoted. The article about this today says that 230,000 jobs were expected, not 200,000. The unemployment rate went from 6.1% to 6.2%. So tell me again how this is good news?