vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"Clearly this is going nowhere. Your calloused view of the world is not going to change.  I hope that you never have to face adversity in your life. I truly do. But if you ever do, I hope that you meet nothing but people with the same attitude as yours towards those lower on the scale, so you can see how wrong your view of the world is. I hope they tell you to pull yourself up by your bootstraps, I hope they tell you to just simply get a better job, I hope they tell you to take responsibility for your own life, I hope they ask if you think that rich people should just give you their money, I hope they tell you that your problems all come from you blaming others. Maybe then you'll understand ""what I'm even arguing""."
You may use an app called Flipp (or one that serves your area) to check fliers while in the store. If your preferred store has a price match policy, this can save you a few bucks every trip. Just look up at the app what you are buying and price match it over the cashier. It may or may not work on your store, always ask first. Try to learn some of the products you always buy regular prices. That way you can tell a real special from a fake one, like I write here about the 2/$5 specials. Buy generic brands for things you don't care that much, like bleach and other cleaning products that does not have a real quality difference from the branded ones. Try different cheaper brands until you find one that is ok for you. There are lots of ways to save money on groceries, you just need the will to do so ;) Good luck!
Are these all questions you want answers to because you are planning to help me or do you just want to know?  I will most likely not go any further with this idea.  But if you really want to know just tell me and I will get back to you with the answers.  Edit: Sorry if I sound rash but I kind of lost hope for this by looking at the responses I got for this same post on /r/PCMasterrace
He is also going to make sure Uber provides 1099s right?  Also report values under $600 to the IRS?  He is also going to make sure all of his drivers have insurance that cover their taxi service right (standard automotive insurance won't cover you for this)? Uber, Lyft, airbnb, taskrabbit gigwalk, etc are like pyramid schemes.  They tell you how to make money, convince you to make transactions, which they take a percentage of.  However, they conveniently don't tell you about the correct regulations, taxes, laws, etc that end up netting you very little at the end of the year.
How in the world is it the perfect vehicle to hide theft?  Every single transaction is publicly recorded and the best you can do is try to obfuscate that. Yet even if you get away with a crime today, the ledger is open for anyone to analyze, study, survey, and if you are caught later down the road with that wallet (such as an cached file on a computer) you will be linked to the crime you committed.   Plus you can't do anything nearly of any size and cashing out means revealing your identity through the exchanges which are under constant surveillance.   So please, tell me again how it's the perfect vehicle to hide theft -- because I'm sure the silk road chief who is sitting in jail would love to hear your tips.
In other words, you disagree with me and don't want to debate any longer.  Anyway, go about your fanboy investing style, I hope it works out.  Maybe Elon Musk will let you blow him some day.
"&gt; Ultimately though learning how to stand up for your self  What you said is very contradictory.  If you learn new ways to behave, and you accept what you are taught, then you do not stand up for yourself.  If you learn new ways to behave, and you don't accept them, then you stand up for yourself.  If you learn new ways to behave, different than what you accepted in the past, then you may stand up for yourself.  Standing up for yourself is done mostly in a non ""respectful way"". Actually, if you find yourself to have to stand up for yourself, it's done always in a non respectful way, whether mildly or not mildly at all.  The bottom line: schools need to teach knowledge and professional behavior and not go to the business of social and political  engineering as it's always done in a non respectful way by professors who stand up, not for themselves, but for their political and social agenda."
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Your financial advisor got a pretty good commission for selling you the annuity is what happened. As for transferring it over to Vanguard (or any other company) and investing it in something else, go to Vanguard's site, tell them that you want to open a new Roth IRA account by doing a trustee-to-trustee transfer from your other Roth IRA account, and tell them to go get the funds for you from your current Roth IRA trustee.  You will need to sign some papers authorizing Vanguard to go fetch, make sure all the account numbers and the name of the current trustee (usually a  company with a name that includes Trust or Fiduciary as shown on your latest statement) are correct, and sit back and wait while your life improves.
Lmao I don't owe ungrateful little college students like you any advice on Reddit, there is very little posted on infra Ib here and if you want to learn about the industry go read II or casgrain lol, and if you want some advice from me here it is - stop being an entitled little bitch or you won't get very far in IB or in life
I'm down to hate Monsanto but the people who actually do are terrible at explaining why. Always such flimsy, easily falsifiable taking points. If you want me to be concerned about Nestle's terrible labor practices and monstrous position on water availability, don't tell me the Quik rabbit is a gay Muslim.
When you wish to go for a party in London and if you feel that you want some comrade to be with you then you can get in touch with the elite escorts who would help you in making your day special. Of course, you can always tell them that how you want things to be done.
For some ideas on investing priority guidelines, see Oversimplify it for me: the correct order of investing. Congratulations on being debt free!  My advice to you is to do what you can to remain debt free. You could certainly invest the money; it will earn much more over the long-term in a stock mutual fund than it would left in a savings account.  However, if you need any of this money in the next few years, it would be a shame if it lost money in the short-term. How much do you need to finish grad school?  Don't invest that money in the stock market, because you will need it over the next few years. Likewise, think about other expenses that are coming up.  Will your car need to be replaced in the next couple of years?  Will you have enough income to meet your living expenses while you are in grad school, or will you need some of this to money to help with that?   Finally, it would be good to keep some extra as an emergency fund, so you can easily pay for any unexpected expenses that come up. If you can make it through grad school debt free, you will be much better off than if you invest all the money but take out student loans in the process. After you've accounted for all of that, whatever is left of the money could definitely be invested.  If your goal is to start a retirement fund, an index mutual fund invested inside a Roth IRA is a great place to start.
Major in whatever you find interesting. Don't look at college as a pathway to a job, but the time where you learn how to learn. Your undergraduate major has very little to do with what jobs you're able to do unless you limit yourself (all you).  I'm a software engineer that ended up in this industry after having worked in:  Video Games (Midway primarily, contract for others)  Military Intelligence (former CTM, US Navy)  Network Video  and now algo/quant.  No college degree.   My wife has a degree in anthropology and prior to raising our kids she was a particle accelerator operator/technician. She studied what physics she had to in her off time and landed the job.  Honestly just focus on increasing your capacity to learn, especially stuff that's hard and doesn't come naturally. That'll help you get pretty much any job once you're out.
Your own fault for taking out loans to get a degree in philosophy. If you have an automobile I would say get a job as a delivery driver, Pretty solid way to earn at least 15 bucks an hour. but regardless find a part time job and save scrupilously. Look at what you spend your money on and see where you can chop out expenses. Also look to see how you can find cheaper food. This is a great website to learn how to live on peanuts earlyretirementextreme.com
People love the thrill regarding running after; you might have to entice these folks towards you. Pestering, pestering as well as on an emotional level blackmailing can never learn how to get your ex boyfriend back in your life; 'playing hard to get' will certainly.
Nowadays, you can find a lot of info about water damaged carpets so it is necessary to learn all you need to know to prevent issues. The initial action that you need to take when you have a flooded basement or home is to de-activate the gas and electricity. The structures of your home and electrical short circuit systems should be thoroughly checked for damage.
$200k in cash is a tiny sum for most VCs, so without more information I have no clue why one would be interested in you. I put a number of hard questions and statements in here. I don't actually want you to answer me, those are for you to think about. Also, none of this shouldn't be taken as a discouragement, rather it should shock you into a realistic viewpoint and, hopefully, help you understand how others are going to see your baby. If the VC has done a bit of research and is actually interested in investing then they will bring up all the same things (and likely more) in order to convince you to give up a very large part of it. The question you have to ask yourself is: is it worth it? Sometimes it is, often it's not."
......seriously? There is no need for me to continue to argue with a brick wall. Go kill yourself you intolerant shit head (note I didn't say racist, but you are that too). It's the only way to get away from all the evil Muslims out to get you. Make sure you tell the rest of /r/the_Donald to join you.
Thanks for including a summary for lurkers in your comment. I didn't realize how quickly I was responding, and I did not know you edited. I appreciate you not letting me look ridiculous to browsers.  To change course a little bit, I'd like to talk to the idea that if successful people deserve success, unsuccessful people must deserve their lot also.  Outside of money, the biggest thing I think we will leave to our kids is what we have learned about money, nutrition, health, and social interaction. Nothing we know is secret knowledge, but at the same time these are fields that are not taught to competence in school, and plenty of hucksters advertise nonsense that make it difficult to quickly learn what makes sense.   If you're a 25 year old guy making 35-40k, and you eat at subway because it is endorsed by the American heart association and you assume it's healthy, and you spend 30% of your pre tax income on a house because your mortgage broker said that's normal and your financial advisor said houses are assets, and you buy what you like on credit cards and pay monthly minimums, and you take out an auto lease or a 6 year loan on a purchase to keep payments low, and you diversify what little you have left into mutual funds and bonds, you are doing two things - you are acting like a totally responsible young adult according to societal norms and people who are supposed to give you advice, and you are totally fucking yourself. You are burdening yourself with debt, you aren't investing in yourself, you're neutering your money's ability to help you live a life you actually want to live, and you are shackling yourself to monthly payments that limit your ability to make choices about what you want and how you want to live.   Is that your fault? You followed common wisdom and your trusted advisors. Unless you happen to see a different way, or someone comes along and tells you otherwise, you may never know what opportunities you could've had. I'll even concede that having the opportunity to think differently may be luck.  But here is where I have a point of contention. What if you've concluded generational wealth is simply luck by the time you have someone try to show you differently? You may dismiss your opportunity as bullshit, and remained trapped in the standard American day to day wage/debt slavery. This is why I hate these semantics so much - I think they rob people of their opportunities.
Growing up poor leaves so many holes in your education. Not knowing how to manage money compounds the problems. What middle and upper class parents teach their children, I had to read a dozen books to learn. For example, negotiating starting pay. I didn't even know this was possible since minimum wage jobs pay- minimum wage. No negotiations.   I knew about dickering for a price when buying a car, but had no clue you could do this for other purchases. Clipping coupons was of course one of my skills, but had never bought in bulk to save money.   My dad taught me how to change a tire and the oil in my first beater, but I had never taken clothes to be dry cleaned or shoes to be resoled. Basically, I had never owned shoes worth repairing or clothes that couldn't be thrown in a washing machine with my jeans and tee shirts.   How do you choose where to invest your 401k? Had no clue. That required another six months of intense study and the help of a librarian.  You get thrown all these curve balls in your first real job that everyone else seemed to know all about it. Etiquette in a meeting. Proper handshake. Can I eat one of the muffins? Can I save one to go with my lunch? You feel silly, almost childish.
"There's a reason that you get a discount code: to make you feel like you're getting a deal. A deal is what you get when there was something that you were already going to buy, and you got it for a lower price than you were going to originally spend on it. If you learn to look at ""rewards"" as a marketing ploy that is designed only to get your business, then it's easier to ignore them. But if you really do want a thing, and is is a thing that you are going to use, then by all means, go for it! Buy it, and use those rewards and enjoy them. Otherwise you're just giving your money to someone else for no good reason. And if you want to do that, you should just give it to me. At least I'm honest about it :)"
Now to the content of the e-mail. Don't fucking ask for ""potential employment opportunities"" and don't be a cocky bitch and tell him how qualified you are to get his coffee... Ask him what he does for a living and how you're really interested in what he does (asset management, fixed income, mortgage trading, lean hog trading, PE, VC, angel investing, M&amp;A). The more specific this is, the better. Now craft an e-mail that basically says this: Dear Fuckstick (whatever his name is), I'm a college grad with a degree in something that you give no fucks about. During school, I came to love finance and got an internship at MS. Now, I've been reading books and doing my own DCF modeling training... Maybe learning some coding (make shit up). I don't know what part of finance I want to dive into, but I do know that you're successful as fuck and I wanna suck your dick while I ask you questions becuase you're the smartest mother fucker in the room and I wanna be just like you. Can I buy you a cup of coffee or lunch and pick your brain apart? Hugs and handjobs, Some kid I did something like this for about 6 months, met with 15 powerful and smart ppl (and very coincidentally found out that there's a ponzi scheme going on in my city)... One of them gave me a job... Now go out and don't fucking blow it... Unless they specifically ask."
"I said ""most"" sir, not ""all"". Maybe a MA in Philosophy might help =)  In all seriousness, you could learn Math without going to school just the way you could learn law without going to school. Your premise is that you don't need to go to Bschool to learn business..so yeah."
When the government controls your education, you only learn what the government wants you to learn, and your attitudes towards conflicting information can be taught to you and reinforced for more than a decade, during your most impressionable time. There is a REASON the government wants to raise you, and not your parents.
Reminds me when people complain about not being able to retire but they never invested in any indexes or have a 401K. Like no shit you have no money you didn't plan well, why should I be taxed higher bc I did.  I use dividends to reinvests back into stocks or indexes. Capital income isnt the problem its financial education. Dont be upset I know how to handle my money; people should be educated better on financial planning. Teach that in public schools and embrace people investing money, not make out the rich as some kind of criminal. I can agree inherited wealth is bullshit but being self made and investing well shouldn't be looked down upon because people struggle with the realism that its their fault they dont have money to retire. Life is a bunch of opportunities and choices and yes some people get spoon fed opportunities but it's still a choice to be financially responsible. Stop blaming the rich and educate the working poor and below poverty level how to financially plan their future.
No matter how promising the gold market is, investing in gold bars still has risks. For this reason, before you buy gold bars, make sure you have carefully studied the ins and outs of this investment. Know where, when, why and how to buy gold bar assets. Know the common pitfalls of investing in gold bars and do all that you can to avoid them.
"Let's talk  innovation. You say that 80% of people will provide 100% of societies needs. Perhaps. But what about society's desires? Why, some of the finest minds in business are working and investing right now to exploit the natural resources of outer space. Tourism, mining, transport, why the sky is no longer the limit! See Spacex, Virgin Galactic, etc. You can't tell me you wouldn't go on a space-cation. Well, I'll bet that would be a great source of jobs that NO ONE does right now. Space valet, space bellhop, space waiter, space hotel manager, PLUS we need pilots to get people up and down, engineers to build the hotels, etc. etc. etc.  Edit: As to your point about wealth flowing upwards, that's just a problem with laissez-faire capitalism in general: if left to their own devices, wealthy people tend to hoard wealth imo. I think tax and spending reform would go a long way to allieviating the ""upward"" flow of capital over the last few years."
Buy as much data as you can, make a model, automate the back testing, see if it works over the past decade or so. If the returns are offering a superior risk adjusted return then you have a valid model, if not try an other model.   If you don't know how to program, learn how to.
"As far as the banker himself goes, it's a customer service issue. WF is not going to tell you about their internal discipline (or oughtn't, anyway), other than potentially to confirm that the banker does or does not still work there; that's the closest they should get to telling you about it. I'm a (very) former retail manager, and that's absolutely the most I'd ever do in a case like this; and trust me, even with good customer service reps, you get requests to fire someone a lot, sometimes valid, sometimes not. You did the correct thing from your end: you brought the issue to their attention. Despite the quota, it's (hopefully) not permitted to sign people up without their permission (since that's illegal!), and I can say that in my retail experience, with these promotions with great incentive to cheat in this manner, one of the main things our loss prevention department did was to monitor data to see if people were illicitly signing people up for cards or otherwise cheating the system. That could be a very bad thing from a customer service point of view and from a legal point of view. What you should have done (or possibly did, but it's not clear in your post) is, after you reported the issue, asked for a re-contact on a particular date in the future - not ""after you've looked into it"", but ""Next friday I would like to get a call from you to discuss the resolution."" Again, they're not going to tell you the discipline, but they should tell you at least that they've investigated it and will make sure it doesn't happen again, or similar. It's possible they will want more information from you at this point, and this is a useful way to make sure that request doesn't fall off of their plate. They should be able to, at least, tell you if there was a perceived issue on their end - it might be something meaningless to you, like ""He thought you said to sign up"", or something more descriptive, like ""He pushed the button to send you a notice, but our computer system screwed that up and made it an application"". You never know these days how easy it is to screw these things up.
For the lazy:  1.     Learn to fly  2.     Look after me, you, boat  3.     Entertain everybody with me  4.     Invite nice people back  5.     Start getting the small house together at The Manor  6.     Start buying odds and sods for The Manor  7.     Work with me on projects/sort me out  8.     More shops to be found
Darling, if you are not a fan of Hillary (and the current DNC?), than why are you against Trump, who is not even career GOP politician?  Ok!  Let's talk to the point: tell me about Trump actions that you think negatively impact the USA. Go ahead!
"The bank SHOULD be able to issue you a new card without letting vendors roll over the recurring payments. In fact, I've never had a bank move recurring payments to a new card automatically, or even upon request; they've always told me to contact the vendor and give them my new card number. So go back to the bank, tell them specifically that you have a security issue and you want the new card issued WITHOUT carrying over any recurring charges, and see if they can do it properly. If not: 1) Issue a ""charge back"" every time a bogus charge comes in. This costs the vendor money, and should convince them to stop trying to access your card. It's a hassle because you have to keep contacting the bank about the bad charges, but it won't cost you more than time and a phone call or letter.  (The bank can tell you what their preferred process is for this.) 2) Consider moving to a bank that isn't stupidly over-helpful."
"In most industries it's really hard to tell if Bob is in a minority or not. Why do people not subscribe after their x months of a free trial? How do you know that? The good thing about ""Bob"" is that he's willing to tell you the reason why *at least* one person fell out of the funnel. That's very valuable information."