vania-janet/multiturn-rag-retrieval-data huggingface dataset:
#####&amp;#009; ######&amp;#009; ####&amp;#009; [**Misuse of statistics**](https://en.wikipedia.org/wiki/Misuse%20of%20statistics): [](#sfw) --- &gt; &gt;A __misuse of statistics__ occurs when a statistical argument asserts a falsehood. In some cases, the misuse may be accidental. In others, it is purposeful and for the gain of the perpetrator. When the statistical reason involved is false or misapplied, this constitutes a __statistical [fallacy](https://en.wikipedia.org/wiki/Fallacy)__. &gt;The false statistics trap can be quite damaging to the quest for knowledge. For example, in medical science, correcting a falsehood may take decades and cost lives. &gt;Misuses can be easy to fall into. Professional scientists, even mathematicians and professional statisticians, can be fooled by even some simple methods, even if they are careful to check everything. Scientists have been known to fool themselves with statistics due to lack of knowledge of [probability theory](https://en.wikipedia.org/wiki/Probability_theory) and lack of [standardization](https://en.wikipedia.org/wiki/Standardization) of their [tests](https://en.wikipedia.org/wiki/Statistical_test).
"I could be wrong, but I do not think that's the actual question being argued or it wouldn't be at the SCOTUS.  I believe the question is actually, is it a violation of ones first amendment rights to have to pay an organization that uses it's resources to support polical causes and ideals that you may not agree with.   Regadless of what you feel about that statement, in my opinion, this suite like the ones before it are really only about money and politics. Companies can save money if there are weeker Unions and Democrats lose a strong power base.  That's why there are groups like the freedom foundation. They don't actually care about protecting your free speech, they care about their ""doner's"" bottom line and idiology.    PS - I'msure this is a shocker, but I will admit that I do have a bias in this argument. Although I am not and never have been a union member, I was raised comfortably on union salaries."
Yeah, BK does very little in terms of running restaurants, they are like hotels in that they run a brand and let individual owerns pay the fees to sign up. I don't get why they should be paying US taxes if someone in London decides to open a BK and pays their fee to BK, PLC based out of the UK.
&gt; Okay, why?  Because the only modern justification for the existence of a nation is the social contract.   &gt; We have seen that corporations will push limits regularly which shows little respect for the law or other people's property.  Without the concept of corporate person-hood, a impartial judicial system to settle disagreements, and enforcement significantly more powerful than all actors, corporations would have little reason to heed claims of property.  Ownership would become a question of what you can control, not what you made/traded for.   Exactly. That's why we have the social contract and thus services like police and civil courts that ensure the mutual respect for each other's property.  But for the vast majority of interactions enforcement won't be required since you want your property respected as well. It's the golden rule  &gt; Tell me why.  Because - once again - mandatory public healthcare is based on forced redistribution of wealth, which is a violation of the social contract. I'm quite sure I explained this already multiple times.  &gt; It doesn't solve the problem of how the money sucks money to the top.  Please elaborate as to why that is a problem in the first place.
Borrowing money from the Federal Reserve (or other central banks) requires full collateral, generally in terms of treasury bonds. In that sense it is only a source of liquidity - getting short term money by pledging guaranteed future cash flows, not random commercial loans. To get a dollar from FR today requires freezing a dollar that you already had. Private deposits, on the other hand, require only a keeping a fraction of them as reserves, so you can use the rest of the money for new loans.
&gt; The state is so blue/democratic that Gov. Rauner is almost at a disadvantage by default.  More complicated than that. Republicans have been governor of the state for 8 of the past 10 terms.  The state is very blue in presidential elections, mostly red in governor elections, strongly blue in state house.   The issue is indeed that the unions have too much of a stronghold on the politicians.
According to my post:  &gt; Even after this year's slump in the stock, Sears has been a profitable investment for Lampert. His hedge funds paid about $16 a share for the stake in the chain, based on regulatory filings and Bloomberg calculations.
He's comfortably middle class, but not wealthy. The Tesla was purchased in a multi-owner shared arrangement, and the solar panels were installed by a company that supplies the capital for the panels with a long-term agreement to supply power to the homeowner and takes care of the more complex business agreements to feed back power to the grid. The situation on paper looks like  a long term break even - but we'll have to see.  Overall, even if he's paying a bit more in electric cost, the arrangement gives a lot of stability in exchange.  To me it's clear that going electric car + renewable electric is a long-term good on the principle of becoming nationally independent from geopolitical enganglements, but also more towards becoming individually independent in terms of being isolated from instability in gas prices, utility prices, and even in times of natural disaster.
&gt; Strawman  What a cop out.  There is a real functional problem in terms of getting capital to the people who need it in as short a time as possible before the whole system collapses.  Tell your 'strawman' to Tim Geithner, the Obama Treasury secretary, or Barney Frank, who is among the most liberal US Congressman at the time and was one of TARP's staunchiest allies.   If I had my choice, no one would get a bailout and all the bad banks/borrowers could go drop dead, but the consequences were so dire.  I really hope you are some philosophy Sophomore in college and aren't responsible for actual capital investment decisions in the real world.  Your line of argument is downright pathetic and illogical.
The DoD wants to cut some of those bases, it's the people in Washington who don't want this to happen. These bases bring in money to the communities of which they are a part of, even if they're unnecessary and sometimes a hindrance when thinking in terms of military strategy. So the legislative branch blocks the closures that the DoD want because if these bases did close, it'll hurt the communities within their districts, thus hurting their chances of re-election.
"The bottom line is you broke the law.  While this is pretty much victimless, it is none the less a violation of the law and should be avoided in the future.  I would have not agreed to this as a parent and it sets a bad precedent.  As such I would avoid trading and move the money into cash until you turn 18.   Once you turn 18 you should transfer the money into an account of your own.  From there you may proceed as you wish. As far as paying taxes, of course you need to pay them.  Your mother did this as a favor to you and by doing such you caused her tax bill to rise.  As a gesture of goodwill you should at least provide her with half of the profits, not the 15% you propose.  Fifteen percent would be the ""I am an ungrateful son"" minimum, and I would seriously consider giving all of the profits to her."
It's not native functionality, but you could probably do it. You could create a fake security/currency for the meter type (kWh, whatever gas/water get measured in ). Updating would be a pain, though. You'd have to go read it and enter the data manually -- unless it was a smart meter, and then you could probably build some sort of script for it. In terms of figuring how much to pay -- maybe have an account in liabilities for stuff you haven't paid for yet, and another in assets for what you have paid for? This seems like it could be a lot more complicated than it's worth.
Point is, you don't need to be able to afford a car when you can get a loan practically at the push of a button; Americans don't think in terms of what something costs, they think in terms of what it costs *per month*. Income shrinkage has been allowed to happen because people have been allowed to spend money they don't have. I know people living paycheck-to-paycheck who spend $150 - $250 per month on just data. They also have $10k's of revolving credit card debt and, even worse, $10k's in student loans. $250 per month won't save up for a new Cadillac anytime soon, but it *will* put you into a Cadillac if you don't mind having spent $63k on a $38k car by the time your loan matures. (Edit: those numbers are pretty exaggerated, $250/mo. wouldn't get you a Cadillac until it was several years old. You'd still end up paying several thousand more than if you'd paid cash, though... the point is that our economy is floating on credit, and this has allowed rampant overspending and living above means in the average household). You see what I'm saying? All other factors being equal car sales should have peaked a few years ago, or at least in the late 90s during the (first?) dot com bubble. There was *far* more spending power out there - not income, but spending power.
What  sounddude said, mortgage servicing companies do not get to unilaterally change the terms of a mortgage.  Although I'm inclined to guess it was a simple coding error on BOA's part (wrong processing box got checked when mortgage was acquired) that was never caught, in which case BOA *should* be falling all over themselves to fix the situation (on their dime).  If they don't fix it in a hurry, then I'd hope they get their head handed to them in court in a hurry.
I assume you've looked into gold as an asset class (which is considered to be a good diversifier in your portfolio at about 5% of investments) because there are a lot of opinions around about that.  But in terms of physical vs paper gold investment, my experience has been that they'll absolutely kill you on fees if you're not careful. I had a broker try and charge me $80/oz. They do it in the margins though, so they'll just sell at say $1,350 but buy at $1,200. Just make sure you either know the market price when you walk in and stick to your guns or lock in a price ahead of time.
There are many winning lottery systems in the world and few of them rely on upon the computerized system. A large number of the general population ha the solid thought regarding the lotto winning diversion. The general population appreciates the most lotto playing are the ones that play at the same time. This is one of the systems to win lottery based on the superstition and many individuals play in a basic way with the assistance of the valuable rules.
Having gone though this type of event a few times it won't be a problem. On a specific date they will freeze your accounts. Then they will transfer the funds from custodian X to custodian Y. It should only take a day or two, and they will work it around the paydays so that by the time the next paycheck is released everything is established in the new custodian.  Long before the switch over they will announce the investment options in the new company. They will provide descriptions of the options, and a default mapping: S&P 500 old company to S&P 500 new company, International fund old company to international fund new company...  If you do nothing then on the switchover they will execute the mapped switches. If you want to take this an an opportunity to rebalance, you can make the changes to the funds you invest in prior to the switch or after the switch. How you contributions are invested will follow the same mapping rules, but the percentage of income won't change. Again you can change how you want to invest your contributions or matching funds by altering the contribution forms, but if you don't do anything they will just follow the mapping procedures they have defined.  Loans terms shouldn't change.  Company stock will not be impacted. The only hiccup that I would worry about is if the old custodian had a way for you to transfer funds into any fund in their family, or to purchase any individual stock. The question would be does the new custodian have the same options. If you have more questions ask HR or look on the company benefits website. All your funds will be moved to the new company, and none of these transfers will be a taxable event. Edit February 2014: based on this question: What are the laws or rules on 401(k) loans and switching providers? I reviewed the documents for the most recent change (February 2014). The documents from the employer and the new 401K company say: there are no changes to the loan balances, terms, and payment amounts. Although there is a 2 week window when no new loans can be created. All employees received notice 60 days prior to the switchover regarding new investments options, blackout periods.
An important risk is that the government may decide to change the rules. For example, prior to 2011, over the counter drugs like aspirin, Tylenol, Nyquil, etc. were eligible expenses. You could use your HSA money to buy as much as you wanted. Beginning in 2011, those rules changed. Now, if you want to spend your HSA money on Tylenol, you need a prescription for it. The value of HSA dollars was diminished in the sense that the universe of eligible expenses was diminished. No one knows what the HSA rules will be in the future. What will be eligible expenses? Who will be eligible providers? What kind of compliance paperwork will be required? What kind of fees will be imposed? Personally, I'm a great believer in HSAs. I've saved in one for years. But remember that the government makes the rules regarding their use. They've changed the rules to the detriment of HSA owners at least once; I won't be surprised if it continues.
"IN 1986, the NCAA decided Southern Methodist deserved the harshest penalty ever given to an athletic program.  It was decided that they not only committed violations, but they committed the same violations that they were currently in trouble for.  SMU recieved ""the death penalty.""  They were not allowed to play football for one year, not allowed to have home games for another year, extensive probation, limited staff, and not allowed to recruit.  I think Wells Fargo needs the death penalty.  Every branch needs to close for 1 year (except for account transfers), every ATM needs to close for 2, extensive probation, limit the number of executive-level positions to half the previous number, and they are not allowed to advertise hiring or recruit for a year."
With a question like this you should talk to a tax professional who knows about international tax and knows about both the UK and the country you will be working in. They will give you up to date advice on what can be an extremely complex question. However to get you started I'll tell you what I was told when I did this nearly twenty years ago. It's all about whether you are resident in the UK for tax purposes or not. If you are, you will pay UK tax. If not, you wont (assuming you are being paid outside the UK - check with your professional exactly what is involved). In those days you could be counted as 'non resident' if you spent a complete period of twelve months outside the UK. You can make occasional visits to the UK without invalidating that. Again, check exactly how much you are allowed to return while still being not resident. Usually you will have to pay tax in the country where you are resident, but check the rules there. With some skilful timing you may be able to be considered non-resident in bouth countries, at least for some of the time. Again, your tax professional will know. The bank account question - again get a professional. I don't think it's a problem, but you may have to establish that you are being paid in the foreign country. In general you are going to need an account in the country where you work, so if its a problem get paid there and transfer any money you need in the UK.
The middle class was created by the minimum wage which is historic fact. It has not tracked with inflation nor production as it was originally intended to do. It being PR is your opinion. Other wages are what they are in relation to the minimum. So you fail to see it's purpose because propaganda has no depth.  Housing shortage? [BAHAHAHAHAHA!!!](https://trofire.com/2015/07/21/3-5-million-americans-are-homeless-18-6-million-homes-in-america-are-standing-empty-what-is-wrong-with-this-picture/)
"You are right in insisting upon a proper B2B contract in any business relationship. You wish to reduce your risk and be compensated fairly. In addition to the cost and complexity of international wire transfers, the US companies may also be considering the fact that as an international contractor in a relatively hard-to-reach jurisdiction, payments to you place the company at higher risk than payments to a domestic contractor. By insisting upon PayPal or similar transmitters, they are reducing their internal complexity and reducing their financial exposure to unfulfilled/disputed contract terms. Therefore, wire payments are ""hard"" in an internal business sense, as well as in a remittance transfer reporting sense. The internal business procedure will likely be the hardest to overcome--changing risk management is harder than filling out forms."
Dream on. You are parroting government apologists. The only real complaint against gold is that it forces governments to limit their expenditures to what they can collect in revenue. All the critics of gold are in favor of big government and deficit spending.  Gold is money. It is the only real money. And within five years there will be a de facto gold standard in international commerce.
Mumbai Escorts Agency is the leading escort agency in Mumbai, which is most renowned for their hot, blonde, sexy, accurate body measurements. Our escorts in Mumbai are highly very safe for serving you and able to take a clear cut relation to bed with you.
Yeah, and what blows my mind most is that there was a very easy out for regulatory relief that would have actually brought us closer to compliance with BCBS rules. In the US the threshold for Basel rules is $50B in assets, while under Basel III and in most of the world its €250B. Just adopting this standard would give small banks relief. As an aside, the new law would also make it harder for the Fed to adopt the Basel III finalization rules, which are incredibly advantageous to US banks and which we fought hard for.
Rules of engagement that are invented by the coalition forces. Without approval or invitation, coalition forces are violating the sovereign airspace of Syria. According to international law if a syrian jet fighter shoots down coalition forces aircraft he is well within his rights to do so.  Coalition shooting down syrian planes on syrian territory (regardless for what reason) is a de facto declaration of war.
There are rules that prevent two of the reactive measures you suggest from occurring. First, on the date of and shortly following an IPO, there is no stock available to borrow for shorting. Second, there are no put options available for purchase. At least, none that are listed, of the sort you probably have in mind. In fact, within a day or two of the LinkedIn IPO, most (all?) of the active equity traders I know were bemoaning the fact that they couldn't yet do exactly what you described i.e. buying puts, or finding shares to sell short. There was a great deal of conviction that LinkedIn shares were overpriced, but scant means available to translate that market assessment into an influence of market value. This does not mean that the Efficient Markets Hypothesis is deficient. Equilibrium is reached quickly enough, once the market is able to clear as usual.
Firstly doing a regression on prices is never significant because of scaling. The price of the SP500 has no relation to the vix. The returns of the SP500 are related to the vix and most base models incorporate some function on SP500 returns. More specifically, sampled volatility of the SP500 is related to the vix. The price should have no relation at all.
Equity options, at least those traded in the American exchanges, actually expire the Saturday after the 3rd Friday of the month.  However, the choice to trade or exercise the options must be specified by the 3rd Friday. This is outlined by the CBOE, who oversees the exchange of equity options.  Their FAQ regarding option expiration can be found at http://www.cboe.com/LearnCenter/Concepts/Beyond/expiration.aspx.
Amazon and other online retailers actually now support bipartisan legislation to level the playing field regarding online sales taxes.  Value Added Taxes (not sales taxes in the typical sense) are the way to go, as they are much more difficult to evade and can't be sheltered via the Cayman Islands.  They can easily be made progressive through the use of rebates to lower income individuals.  There is a reason it is in place in over 130 countries.
You are going to have to talk to your benefits office to understand all the deadlines and rules for their program. While the IRS does enforce the law, there are enough local variations in the rules to make it quite complex.   The first thing you  need to know is the source of the funds: the employer or the employee. Then you need to know the deadline for applying for the program, how you specify the monthly expenses in advance, and when the funds expire.  The way you pay for commuting and parking makes a difference: per-ride on the subway, van pool, monthly transit pass; daily parking at a lot, monthly hang tag,  or at meter; These options determine how to expend the funds and how they give you the funds. You can't get money for missed months. So you need to know what you have to do in October to get money for November.
What I meant by leverage was not borrowing money in order to buy more. What I am getting at is the purchasing power your dollar has in relation to the number of dollars you have (which may mean using leverage, but not per se).
One potentially useful option to avoid the crippling tuition fees in the states is to instead get your degree abroad. Numerous European countries have very low tuition fees, even for international students. Tuition can be as low as a 1000 EUR and housing is generally also very affordable. There is of course the language barrier but many universities are oriented towards receiving international students, providing relocation assistance and offering courses in English. As a bonus, most Europeans speak excellent English and are generally quite happy to practice it so you shouldn't have any problems off-campus either. Going to the UK is an option but likely considerably more expensive than colleges in mainland Europe. This article, while written for a Nigerian audience, lists some of the most attractive options for the international student. The quality of the education is also generally very high for these colleges. As an example Belgium, one of the cheapest options in the list, has two universities ranked in the Top 100: Leuven and Ghent. Many other German, French, Dutch or Scandinavian universities figure in that list.