vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"This is a bit pornographic, isn't it, in that we're looking at something we'd like to do (namely, ""win the big lottery!"") but probably won't ever have this happen to us. :) Anyway. Ignoring the fact that this is kind of a hypothetical question... Gotta go with The Straight Dope on this one, when deciding whether to take an annuity or a lump sum: What assumed interest rate is underlying the calculations? Do you think you can earn significantly more than that rate on your own? If so, take the lump sum cash value. If not, go with the annuity. What are your financial needs, both immediate and over the next twenty years? Do you need a steady flow of income? If you take the lump sum and invest it poorly or lose it, how much will it hurt you? If you give up your job to enjoy your wealth, what will happen if you're still alive when the annuity payments stop? You don't want to blow it all in a spree and then find yourself in poverty in your old age. What happens if you die before the annuity has been fully paid? As noted, there's the question of whether to ask in advance for an annuity - the tax treatment alone could overwhelm any other considerations."
when weed growing is decriminalized, i will not pay eighty dollars for a small sack of it, because now i will be able to go over to my friend billys house and he will give me a large sack of it for five bucks, which he now does anyways, but he only does this for his very good friends, cuz he doesnt want to go to prison and lose him home and his family and he tells me that he would rather live in his house rather than living in prison, lol..  the value of weed will drop thru the floor when i can grow it and not risk losing my freedom and my family and all of my assets, not to mention the criminal record that would prevent me from ever living a productive life ever again.  if i said that no person would pay for weed, that is not really what i meant to say....  i meant to say that there will be a lot of weed floating around and you wont need to pay $250.00 per ounce for it, but instead you will probably get an ounce of decent weed for $30.00  funny story, when i was in california there was a weed club that i used to go to, and they were at risk to lose their license to sell weed, and the country bumpkins that worked there put a sign up that basically said this:  DONT MAKE US QUIT SELLING WEED, LOL..  CUZ WE DONT REALLY LIKE SELLING CRACK,  BUT IF WE CANT SELL WEED, WE WOULD HAVE TO GO BACK TO SELLING CRACK.  i am not kidding, they put this sign up where all of the customers could see it.  i almost peed on myself when i read it.
Apple closed Friday 9/23 at $403.40.   This is what the Puts look like, note the 2013 expiration.  (The rest is hypothetical, I am not advising this.) As a fan of Apple and feeling the stock may stay flat but won't tank, I sell you the $400 put for $64.65.  In effect I am saying that I am ready willing and able to buy aapl for $400 (well, $40,000 for 100 shares) and I have enough margin in my account to do so, $20,000. If Apple keeps going up, I made my $6465 (again it's 100 shares) but no more. If it drops below $400, I only begin to lose money if it goes below $335.35.  You, the put buyer are betting it will drop by this amount (more than 15% from today) and are willing to pay the price for this Put today.
Those billionaires are often billionaires because they make it their job to take my hard earned money, which I give them willingly, and make it worth more than inflation in fifty years so that I can retire with dignity, comfort and peace.  If you tax the hell out of that then people are either not going to do it, or it will be prohibitively expensive to do so, meaning that the 401(K) system makes less money.  Also, wtf did the rich people do to deserve to be punished?
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The price itself seems small in relation to the cost of a ticket, and the payout seems high in relation to the cost of the premium. But does the payout actually mean to you? It is perhaps not wise to consider life insurance as a 'windfall payment'. Instead, consider life insurance as coverage for the financial realities of death - funeral expenses, and perhaps money to provide grieving time for your family before they resume or take on work [Again, insurance is coverage against catastrophic loss, not a lottery ticket to provide a windfall when the unfortunate happens]. If you are the sole provider for your family, you may also want your insurance payout to be enough to resolve any outstanding debts you have outstanding [such as a mortgage], and/or substantially cover living expenses for your family for an extended period of time. A $20k payout would likely be far more than enough to cover funeral expenses, but may not be enough to set up your family to subsist without you as a sole provider. Also consider that the chance for an accident may not seem particularly concerning while you are on the train in comparison to when you are jaywalking, or smoking the odd cigar, eating red meat, having a glass of red wine. What I mean is that there are many things in life which add some level of risk; not all of them are as obvious as a train ride, but there is always a chance of something unfortunate happening, even if you take reasonable precautions. What these two considerations imply is that perhaps instead of insuring against this very specific incident, you instead purchase overall life insurance. Rather than taking a flat payout amount, take enough of a policy only to cover the specific needs you expect - for many people, this is defined by the amount needed to cover funeral expenses only + possibly their outstanding mortgage balance. If you take the train often, your annual insurance premiums for a full insurance plan may be similar to your 'train only' insurance, while covering you in a wider variety of circumstances. Many people hesitate to think about purchasing not only life insurance not only because of the cost, but also because they do not wish to dwell on their mortality. But facing the subject head on may provide you with both financial and emotional peace of mind. [And write up a will, while you're at it!]
"Of course, doing nothing would mean that Social Security won't be able to meet its full obligations two decades from now. But it's not going bankrupt.  Bankrupt, as defined in Oxford English Dictionary: ""[U]nable to pay outstanding debts.""  Am I missing something?"
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That's the nice thing.  You can read the details and even ask the requester questions just as a loan officer would.  You can also filter based on criteria.    For me, I filter out wedding expenses, trips, home improvement (not repair), vacations and most major purchases.  I tend to invest in refinancing (carefully), business expenses, renewable energy project, and educational expenses.  That's the nice thing about it, I can support the initiatives that I choose to support.
"(Yes, I know this is a seven year old question.) Does this only apply to debts that were taken on during marriage  Yes or to all debts of both partners? No. The important thing to remember is that it's both debts and assets acquired during the marriage which are shared. This comes from the reality that men in the olden times were the ones in business, accumulating wealth, etc while the woman ""made the home"".  The working assumption was that the woman who made the home was an equal partner with the man, since he benefited from a good home, and she benefited from his income. The fact that pre-marriage debts and assets were not community property also protected the woman, because she was able to then take back her dowry and use that to support herself. (N.B. - I live in a CP state.)"
"Term is the way to go. Whole/universal are basically a combo of term and savings, so buy term life insurance and invest the difference in cost yourself. You should make a lot more that way (as far as savings go) than by buying whole life. By the time term life gets too expensive to be worth (when you're a lot older) you will have enough saved to become ""self-insured"". Just don't touch the savings :) You really only need insurance when there is income to replace and debts to cover - house/mortgage, kids/school, job income, etc."
"The language in the starbucks accounts is highly ambiguous. But Starbucks has no treasury shares which helps work out what is going on.  Where it says ""respectively"" it is referring to the years 2014 and 2013 rather than ""issued and outstanding""...even though it doesn't read that way. Not easy to work out. The figures are:  Authorised 1200 2014 Issued 749.5 2014 Outstanding 749.5 2013 Issued 753.2 2013 Outstanding 753.2"
People who provide services like that are called debt councilors or debt advisors. They help you to organize your debts, advise you in prioritizing them and also help you to negotiate or legally challenge any unreasonable levies.
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Together the founders represent 100% of the outstanding stock, so they can do it however they like.
Yeah thanks. Since we are on an upswing now I'm refinancing to pay everything off faster and taking money out for capital improvements. My guess is everything will be paid off at the end of the next downswing so I have the luxury to hold.
You might be right about that, but your previous posts don't say that.  In just the last one you said:  &gt;Because buyback decreases shares outstanding it **also decreases the company's total future dividend payouts as well**  This is indicating that you believe there is a difference somehow, no?
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Take a look at /r/personalfinance and make sure you read the sidebar.  &gt; Questions regarding loans, refinancing, mortgages, credit cards, investing and anything else that may be related to personal finance should be directed towards the subreddit /r/personalfinance. You will receive a probation (temporary ban) for disregarding this rule.
Questions regarding loans, refinancing, mortgages, credit cards, investing and anything else that may be related to personal finance should be directed towards the subreddit r/personalfinance. We have provided the link to that subreddit below.   [----&gt;  Over there on the sidebar.](http://www.reddit.com/r/personalfinance/) Jus' say'in.
"I suppose I should update this with what I ended up using some of my HSA funds for... dental work! I'm in my mid-20's and it came time for my wisdom teeth to be removed. While my dental insurance covered the procedure, I had to pay out of pocket for the fancy ""conscious sedation"" ($325 to make me nice and relaxed, versus plain Novocaine and nervously holding my mouth open, while I get my teeth ripped out). Luckily, I had my HSA to cover it. Also, I may need braces... :\ Most dental insurance won't cover the cost of orthodontics 100%, so that's another costly, common, and easily-overlooked expense a younger person may have that spare HSA funds can cover."
"But I think another interesting postscript to this which is relevant at this time is that the orchard wildfire isn't the only thing that can make money ""disappear"".  The use of a currency rather than a transferable note means that it can be an independent store of value, so there are perverse outcomes that can happen that can't happen with IOUs.  So say some particularly wealthy person in the village starts to hoard his money and corners a large fraction of the money supply (say he's anticipating some horrible plague).  The number of Loddars decreases, and the orchard owner starts paying his workers fewer Loddars as a result.  But their debts are denominated in ""old"" Loddars which were easier to come by, and quickly the workers are unable to pay their debts, or have to spend all their money on their debts and have none for anything else.  They default on those debts and the money ""disappears""--but it doesn't disappear for any physical reason (the workers are doing the same amount of work), it disappears because of a shock to the monetary supply.  This is a ""demand shock"" versus the ""supply shock"" of an orchard catching on fire."
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"In an attempt to express this complicated fact in lay terms I shall focus exclusively on the most influential factor effecting the seemingly bizarre outcome you have noted, where the price chart of VIX ETFs indicates upwards of a 99% decrease since inception. Other factors include transaction costs and management fees.  Some VIX ETFs also provide leveraged returns, describing themselves as ""two times VIX"" or ""three times VIX"", etc. Regarding the claim that volatility averages out over time, this is supported by your own chart of the spot VIX index. EDIT It should be noted that (almost) nobody holds VIX ETFs for anything more than a day or two.  This will miminise the effects described above.  Typical daily volumes of VIX ETFs are in excess of 100% of shares outstanding.  In very volatile markets, daily volumes will often exceed 400% of shares outstanding indicating an overwhelming amount of day trading."
Yes, you can. A friend of mine once did, don't know the reason why he was so foolish and couldn't use the debit card instead. I think maybe out of curiosity or he was drunk. But I know the consequences, the bank people asked him to pay all the previous debts relating to the card the same day or he was going to be paying alot of interest to them as a penalty. So, he did pay all the debts the same night.
Yep, but only congress can create those debts: Article 1, section 8 states (in part):  &gt;The Congress shall have Power To lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defence and general Welfare of the United States; [...]  &gt;**To borrow Money on the credit of the United States**; [emphasis added]  Only the congress can create the debt. The President simply doesn't have the authority to borrow money.
it would help the economy tremendously.  even better, the US govt should give households massive amounts of money, to pay off debts.  and if they dont have debts they should go spend that money in the economy.   That type of economic stimulous would generate more revenue and taxes for govt to help pay off the US govt debt it accrues by printing money.
"&gt; You do realize that investors are protected from being sued right?  Not usually, no. If the investor is a partner in the company then they're just as responsible for the debts of their business as any other partner. If they're just a capital investor with no interest in the company business then sure - you can't sue them. But then my contract wouldn't be with them, would it?  &gt; So if the company you work for tanks, you can sue them, but they don't have any money so what do you expect to get?  The registered owners of the company can also be held liable for it's debts if it's a corporation. Or you can always just have them sign as guarantor for your back pay.  And don't say ""Nobody will ever do that!!"", because if your service is valuable enough then **YES THEY WILL**. I've pushed for a personal liability guarantee from a company owner before and got it."
Yup, I was in the same boat. I ended up refinancing and making home improvements at an inopportune time. I've been following things much more closely now. The one I'm thinking of is has a guy drawing in blue, and is not the RSA Animate video (which is just marxist conjecture).  I watched the other video linked above with the flowchart in white on black, and it was excellent as well. If you have questions, you can ask as well.
"Treasury stock is not really represented in the Balance Sheet as a ""Treasury stock"" line item in the assets.  Some companies will break out Treasury Shares as a line item in the ""Shareholders Equity"" heading of the balance sheet but Apple hides it in the ""Shares Issued and Outstanding"" counts under the ""Shareholders Equity"" heading.  As of the most recent Q2 2017 quarterly report There are 5,205,815,000 shares issued against 5,336,166,000 shares outstanding.  This indicates that Apple is retaining about 130,351,000 shares in treasury. On the Q1 10-Q you can see that Apple had 5,255,423,000 shares issued which indicates roughly 49mm shares were repurchased by the end of Q2.  You can roughly verify this by looking at page 18 of the Q2 filing in the summary of the share repurchase program.  Repurchased as part of an Accelerated Share Repurchase arrangement bleeds between quarters but from February 2017 through May 2017 there have been 17.5mm shares repurchased.  31mm shares were also repurchased on the open market in Q2.    The ""shares issued"" total is on a downward trend as part of Apple's share repurchase initiative that has been underway for the last couple of years."
The same banks that own those loan debts are also heavily invested in the corporations who provide workforce data for educational and job placement to the schools the debtors attend... And the same Corporations who offer jobs to graduates- they can be sure they'll be getting pliable debt slaves right out the gate.  They'll be good little taxpayers, funding the wars for profit contracts and corporate subsidies which are all good for the banks.   People think they are getting education, but they are actually (by-and-large) getting shackles.
in 20 yrs your generation will vote itself into office and be in control. like gay rights....climate change...healthcare...abortion etc are promises now. so will be your  school debts and kids education. You will  vote and argue for or against forgiving your own debts and make higher education a right. You will  just keep digging the hole you complain other people made for you like the generations before you. problem will be solved. have a beer and relax..
You could rent it out to hunters, or a charge a fee for camping on it. If you log it, you can often get Federal assistance in paying for replanting. You can also get certifications that your timber is being grown and harvested sustainably, making future timber more valuable, while minimizing the environmental impacts of harvesting on the property.  You also may be able to get mitigation credits for restoring and maintaining the land. The credits can be sold to developers in the same watershed to cover the taxes.
Sure. No-one promises that all the outstanding stocks are ever for sale, but if you get them all - you get them all, what marketplace you used for that doesn't really matter.
"Are you asking ""what does everybody else do/spend""?  I think any amount less that 90% is ""safe"", but if depends on your goals.  Saving a ""dime of every dollar"" is a good rule of thumb for retirement, so 90% is left to spend. But I believe that is the wrong way to think about it.  You have expenses; some are optional and some are not.  The percentages aren't the important thing.  What is important is that you meet your obligations and meet your goals.  Everybody is different, so I don't think you can reasonably your percent of expenses to somebody else. In setting up your budget, go the simple route.  You can always get super detailed later if you want. INCOME As you have extra funds, be sure you have an emergency fund (~6 months of expenses) and a fully funded retirement.  Pay off any outstanding debts.  If you are so fortunate to have some left over, then revisit the savings amount or become an investor like many people here; or have fun and go on vacations; or buy a nicer car.  The point being you will know you can afford it. If you put detailed categories under those main categories, that will give you a picture of where you spend you money and you can fix that if desire.  If it bothers you that you spend 15% of your income on imported classical music, you can adjust that with a habit change."
SeekingAlpha has an article about short squeezes that states: The higher the number of days to cover means the possibility for a short squeeze is greater, and the potential size of the short squeeze is also greater Logically, this makes sense. A short squeeze occurs when a lack of supply meets excess demand for a stock, so the potential for a squeeze increases when supply and demand begin to get out of equilibrium. Think of two things that would cause the days to cover to increase and what effect they would have on supply and demand.  The current short interest (numerator) increases. This implies that if some event triggers short sellers to cover their position, there are a higher number of short sellers who will need to do so. This heightens the chances that demand will exceed supply.  The average daily volume (denominator) decreases. This implies that fewer investors are trading the stock, so if an event triggers short sellers to cover their positions, there might not be enough traders in the market willing to sell their shares. (Obviously, if a short-squeeze occurs, volume may increase because traders who were unwilling to sell their shares become willing).
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