vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"My spouse will only be entering medical school within 2 years at the earliest, and will likely be there for about 4-5 years. If she get's into the school she wants we would not have to move This is probably the biggest return on investment that you can get.  Sure, you could invest what you have in the market and take out tens or hundreds of thousands of dollars on ""cheap"" medical school loans, but consider this: Figure out how much you need for all 4-5 years, and develop a plan to make sure you can cash-flow the entire education.   Bootstrapping a software company has potential for high rewards, but a much greater risk.  you could get 10X back or you could lose it all.  With your income, you've got plenty of time to save for college, so I don't see that as a huge win now.  I would also dump the lease - you can probably get a much better car for $16k that the five-year old one you have when the lease is up. (or get a similar car for less money).  With no debt and a good income you do not need a credit score. The lease probably didn't help it that much anyways - you're paying more for the lease than any benefit you would get by a higher score."
It depends to some extent on how you interpret the situation, so I think this is the general idea. Say you purchase one share at $50, and soon after, the price moves up, say, to $55. You now have an unrealized profit of $5. Now, you can either sell and realize that profit, or hold on to the position, expecting a further price appreciation. In either case, you will consider the price change from this traded price, which is $55, and not the price you actually bought at. Hence, if the price fell to $52 in the next trade, you have a loss of $3 on your previous profit of $5. This (even though your net P&L is calculated from the initial purchase price of $50), allows you to think in terms of your positions at the latest known prices. This is similar to a Markov process, in the sense that it doesn't matter which route the stock price (and your position's P&L) took to get to the current point; your decision should be based on the current/latest price level.
"I have some equity research (sell-side) interviews (for 1st year analyst) positions coming up with some top-tier banks. I have recently completed the GMAT and scored and overall score of 710 (91st percentile). I have a further breakdown of my score which shows that my overall score was brought done by a 47th percentiles score in the ""sentence correction"" section, whilst the rest of my scores are &gt;90th for the other verbal sections.   1. Should I tell them my GMAT score? 2. Should I tell them the breakdown, and argue that it demonstrates that I am exceptionally strong in the sections for reading comprehension and critical reasoning, and that the sentence correction score is an anomalous result. Or would telling them this likely bring up concerns over my written communication skills?"
"I mean...we can all agree how weird the credit system is in general.    ""You pay your bills off early?  Don't worry, your credit score will go down""  ""You hold onto debt as long as possible?  Great news, we will give you more credit""    I can't even anymore"
&gt;The internet tells you so much about a person these days.  The internet will tell you that I'm a brilliant OS/X programmer, and have been very successful in that endeavor. I'm sure I could score a job based on that alone.  Except that's *not me*. That's some other guy with my name. I'm a developer, too, but I'm not *that* developer - I've fooled around with OS/X a *tiny* bit, but not at the professional level.  I'm not really *on* the internet under my real name, because I don't feel like splattering every trivial detail of my life all over the 'net. So I'll stick to the resume, thanks.
At sixty, you are in a different generation, where at least early on loyalty was rewarded. I sit between the x and y generations, and never have I ever felt a sense of loyalty FROM an employer. We all know the score, they'll fire me in a heartbeat if it helps the quarterly numbers, and I'll bail if I can get a better deal elsewhere. I only stick it out if the deal is good, or I don't want to have to explain a short tenure on.my resume. I'm not gonna tough it out with a struggling company if they can't give me my market value, because I know they'll kick me to the curb if I'm in need. There really is no loyalty anywhere in the system anymore, unless your a sucker. Loyalty MUST go both ways, and employers are the ones who gave up on it.
Exactly, it's not like there's a shortage of rental properties or housing opportunities. There are a few hundred (if not thousand) within a 5 mile radius of my house alone, and they certainly don't all have the same terms.  Maybe you're not going to get into a gated white collar community, but I'm pretty sure you can secure a nice place in a nice neighborhood even if your credit score is somewhere between ass and the toilet.
Try looking up PeCan Pie paragraphs, it’s a new system we have for writing long answers in the UK at A Level, I highly recommend you get used to it as it can save a lot of time and score a large amount of marks with little writing.
I probably can, but I realized I also do have a commission sheet from the month of June which shows how much I made in just commissions, and then I could tell them I also get my 300 a week salary. Do you think that would suffice?
"Is it really all that much for me to ask that exchanges not be complicit in my 401k being front-run? I really don't get how you can argue it's a good thing. I guess I should instead be mad at the my 401k management firm for not dragging their own private fiber networks and allowing my 401k to get shaved by ""smarter"" traders that do. You're ridiculous."
I use online banking and bill pay for all accounts where I can control when and how much is paid, where I push the funds out.  The bills from those companies that want to be allowed to reach into my account and pull money automatically (e.g. my Chase mortgage) I simply will not enroll - they get a paper check in the mail. There is no way I am giving these cocksucker criminals *permission* to take money out of my accounts.
Absolutely. Courting controversy is how I get my message out to people who'd otherwise never hear it. People can call me anything they want, as long as they're talking about my message.  I'll still rebut it though, for the benefit of the lurkers.
All good points. You're right about my concern, though I like to think of it as that rather than fear, but that's immaterial.  I get the destructive destruction.  Externalities exist and should be honestly assessed but then the externalities of the interventions should also be considered, such as an incentive to automate or other potentially more destructive technologies as you mentioned.  I don't think it's unreasonable to think that ill considered regulation can create a feedback loop of interventions and responses that can severely distort a market.  I wish Public Choice theory had a little more traction than it seems to, not as a solution but as a framework for analysis.  I suppose my perspective on regulation meant to level the playing field should do just that, focus on the field, not the score.  I don't think anyone has enough understanding to be able to say what the score should be, only what they prefer it to be and I think you might appreciate the fallacy of that line of thinking.  That's an interesting example indeed.  I can see the motivation from the company but what's the burden on the municipal government?  Have they taken it upon themselves to collect these bikes from inappropriate places or something or is it just a general quality of life issue involving bikes obstructing movement?  Sounds like a classic tragedy of the commons but a lot less disruptive than others I know of.   I'll share one that you can go down the rabbit hole on if that sort of thing interests you.  Essentially, there is a bay on the Carribean coast of QR, Mexico where there is a town called Akumal.  Due to some hurricane damage some time ago, sea grass has been growing there and it has attracted green turtles to an area that one can simply walk into and 'swim with the turtles'.  Now, I'm sure I don't need to describe the various effects of overexploitation of that situation and that's exactly what's happening.  The problem is that the first 20 meters of shoreline is part of the commons so no privatization can be used to restrict access.  Add the conflicting interests of environmentalists, tourists, tour providers, hotels, and the various levels of government all within the context of Mexican politics and you can imagine the mess its created.
I'd rather have a pay raise because my bosses are actually pretty decent. They stay out of my way and let me do my job. Deadlines are usually so far down the road that I don't have to worry about it. They don't blame me for stuff that is demonstrably not my fault. The number of meetings that I get hauled into in a year, I can usually count on one hand. They tell me what they want done and leave deciding how it gets done up to me (I'm a web developer).
Depended on your peer performance. While 70 is a good score if your school average is around that then its not that great.Check online to look up the average.You might get contacted if its in the higher teirs. I know a few people who have as a result from taken bat
Can confirm. I work in one such office in India surrounded by IT support people, but doing investment research myself. I swear these guys are so horribly bad that I've fought with my boss to just let me get the updates etc done on my own. He hasn't agreed because he's very computer illiterate, but even he can see how crazy incompetent the IT here is.
"Grad school applications typically have deadlines around December or January, so you're thinking about this at the right time.   First, obviously, you should get an idea of where you want to go, and what kind of program. There's plenty of ranking lists online that can help give you an idea. Grad school applications take a non-trivial amount of effort, so most people apply to only 5-10.  Next, you'll want to contact potential references. The grad school websites should inform you what type of reference they want, but in my experience these were mostly academic and usually 2-3 per application, finance programs may want more professional references as well. Try to choose the right references for the application, e.g. I applied to financial engineering programs, and would usually have one economics professor and then either a math professor or a statistics professor depending on the focus of the program.  Now, check to see if your programs require a GRE/GMAT score (they probably will), and start studying ASAP. There's tons of study materials available both in book form and online, and if you can put the time in you can probably get a decent score with just a few weeks (4-6) of studying. As far as I know, just about every program that accepts a GMAT score will also accept a GRE score, but not necessarily the other way around, so you may be better off studying for the GRE (verify this!).  And with all those components complete, you'll basically be done! Some applications will ask for various forms of cover letter, or have other essay questions, so set aside some time to write these as well.   Also, if you're looking at Finance Master's programs, I notice that they tend to come in a few varieties. Some set you up for PhDs and are naturally more academic focused, where as ""terminal"" Master's that resemble an MBA will focus on trying to get you a job. Reflect a bit on what you want to accomplish with your degree and figure out the program that's best for that. If you get in to a top school then it won't matter much regardless, but otherwise it is very likely that schools which produce good PhD candidates and research are not necessarily the same schools which place people on Wall Street.  Hope that helps :)"
When corporations have as much impact and power over our lives as a government should we really just let them walk over our civil rights? If I can't get a credit card because of my political ideology how am I supposed to function? How am I supposed to build credit, get a lot an, or buy a house? At what point do I have to give up my life, liberty, and pursuit of happyness because a private corporation has effectively banished me from society? Governments shouldn't be able to oppress and neither should corporations.
Yeah. I'm in my junior year as a political science major but it's not holding my interest and to be honest, I hate it. I've always loved watching stocks and businesses and kept a close eye on financial news. I was just too blind to see that I could get an actual job doing that kind of stuff.    I don't care how long it take to get there, as long as I get there. So maybe finance and stats? I was told that there isn't a real specific degree needed to be a prop trader, but some degrees help more than others.
Missing: Respect. Respect my abilities and respect my time.  I can't tell you how many projects I've been given as a priority, I move them to the top of the list and get them done ahead of schedule only to see the finished work sit around unused.
It was easy to get my first job out of college, but I had pretty direct experience from working at a job during college. To give more specific detail, my first job was doing marketing on the digital side (CRM, website, analytics, etc.). I was able to apply what I learned in economics (multivariate testing) to marketing. So, while there was a little learning curve with the marketing side of things, working with CRM in the past and understanding how to apply my economics degree to marketing allowed me to get the job. Like I said, you can do anything with an econ degree.
i think 150 hours of practice is enough for level 1, im taking level 1 in december and i have a bba in finance&amp;investments, work on buy side for equity fund. while a lot of the material is conceptual, being in the industry i already knew almost half the stuff pretty well. the way i study is by consistently doing practice questions(this is key for level 1, make sure to get the schweser test bank and do all 4,000+ questions!) after every section going back to the start so i dont forget anything along the way. i avg about 85% score and have studied so far for about 100-120 hours.  hope that helps
how far do you live from the store? unless amazon has 1 hr delivery, anything I want is easier to get locally than on amazon. Not only that, I can choose to support walmart or the local mom and pop shops. My day isn't interrupted because I'll make the most of it, like go fill up gas, buy needed groceries, get lunch, meet a friend, or sometimes just people watch while I shop.
"Also posting here to get answers  1) In pre-university education, what do I list along with my A levels? Are AS levels and GCSEs necessary?  2) Should i upload a degree transcript? (they say its optional hence why i'm asking)  3) Does the answer to ""How did you hear about JPM/GS/CS/BAML?"" affect your application? (moronic i know, but i thought better to know than to be clueless)  4) Do your answers to the equal opportunities form affect your application? (just want to know since its almost accepted now that if youre not a white male, your application will get scrutinised in some way depending on the reader, and i'm not white)  5) Following on from the previous question, my first name is Mohammad so should I consider changing my name on my CV and application forms? Again because of the bad press that Muslims get, and since Mohammad is such an obvious Muslim name. I also speak an Asian language so should i list that on my form/CV? I know this sounds like I want to hide my identity, but believe me it's the last thing I want to do. It's just something I feel like I might have to do. Nor do I want any sympathy for doing this. It's something a friend of mine suggested and I want to get people's opinions."
I have gone out of my way for my customers and probably done more than I should have. It's always so wonderful to get an email thanking you for your hard work. The software company I work for is in the medical business so a lot of counties in NY have our software and talk to each other. I loved that one of my clients told me that they had a big meeting in upstate and they all said that I was the best one to deal with because of my knowledge, sense of humor, etc. It makes me feel good. Too bad the owners have no idea how much I've saved them over the years. I love what I do.
I would stick with your book, investopedia, and taking the practice tests until you score consistently above 90 percent.  I have seen this method as a reoccurring successful method used to pass the test from the research I have done.  Practice exams really help retain the information for test day so retake them over and over the day before your test.
As a dutch guy having lived in Canada for some time, and went down the the states a lot; I was extremely surprised how outdated your banking technology is.  A lot of mutations require me to physically visit a bank (often my specific branch), and I couldn't believe it when I saw that people still use cheques. Before I moved, I just remembered them from my very early childhood.  Get your shit together North America :)
how many transactions per year do you intend? Mixing the funds is an issue for the reasons stated.  But. I have a similar situation managing money for others, and the solution was a power of attorney. When I sign into my brokerage account, I see these other accounts and can trade them, but the owners get their own tax reporting.
"Ohh sure.  I think the ""way"" they are saying it also plays into to some perceived core flaws with the business. Low quality food for a high price being the main one. Not caring to look up alternatives/having the money to spare is a market you can cater too, but when the company is specifically pointing to Millennials they push back what they think is a stupid market."
&gt; You know whats more effective then drug tests at work? Intelligence testing.  Not much of a reason to take the risk when we have an abundance of applicants in MOST fields. Maybe not the one the article talks about, but there is absolutely no reason to take that risk as a business.    &gt; Maybe calm yourself down and then stop to think about what would be more important at work, having a clean drug test or intelligence?  You do realize there are people who are intelligent that don't smoke weed daily, right?  And there are other factors like motivation and being happy. Weed smokers almost always lack motivation and wouldn't be smoking if they were truly happy  There is no shortage of applicants in most fields. No need to hire these people and take an unnecessary risk.
+1 They are over priced to begin with - More specifically they are expensive to create exclusivity, which raises their value to people who value that kind of thing. Perhaps folks who buy those cars aren't buying them for value or quality or performance, but are buying them for the badge and the intangible factors.  I frequently hear about rich people who earned their millions driving around in cars Consumer Reports rank highly, so it isn't because they are so much better than a mid priced car. A car for $140,000 is either equipped for the A-Team or is a status symbol.  The status symbol notion is very expensive, but fades very quickly, hence the mighty depreciation.
The cold caller is just a different way to contact you compared to the junk mail that they send. The business  gets information from the credit rating companies for households that meet a specific set of criteria. It could be town, age, home ownership, low credit utilization...Or the exact opposite depending on what they are selling. Some business do sell your data. Grocery store know who buys certain products: parents buying diapers may want to start saving for college; ones buying acne medicine may want to talk about lower rates for car insurance.  When they call via phone they have a different success rate compared to junk mail, but for that business that may be acceptable for their needs.
"Brokerages offer you the convenience of buying and selling financial products. They are usually not exchanges themselves, but they can be. Typically there is an exchange and the broker sends orders to that exchange. The main benefit that brokers offer is a simpler commission structure. Not all brokers have their own liquidity, but brokers can have their own allotment of shares of a stock, for example, that they will sell you when you make an order, so that you get what you want faster. Regarding accounts at the exchanges to track actual ownership and transfer of assets, it is not safe to assume thats how that works. There are a lot of shortcomings in how the actual exchange works, since the settlement time is 1 - 3 business days, depending on the product (so upwards of 5 to 6 actual days). In a fast market, the asset can change hands many many times making the accounting completely incorrect for extended time periods. Better to not worry about that part, but if you'd like to read more about how that is regulated look up ""Failure To Deliver"" regulations on short selling to get a better understanding of market microstructure. It is a very antiquated system."
If businesses cannot turn a profit while paying for a healthy minimum wage, they are bad for the economy and deserve to die. Wages are a business expense and must be allowed to react to the factors that naturally shift that expense. Subsidizing businesses by keeping wages low hurts the economy in the long run by reducing the ability people have to buy goods and services. Labor is not the only cost a business incurs, and increasing wages does not correlate to a 1:1 price increase.
WTF?   How the heck is the truth a strawman? Where I live Walmart is about the best low skill employer. And, what is wrong with a business about making money. No one will setup a business, take risks, put in the work to get it started, and make investments without making money as their main goal. Otherwise you are setting up a charity.   The links were all relevant. Walmart is a better place to work than Target and pays better. If you look at some of my other comments I have a lot more sources. The high paying selective retailers such as Trader Joe's and Costco have a different cost structure due to having many less SKU's, and only being in areas with relatively high disposable income, among other things. Those are facts. Not strawmen.   And, if you think Walmart makes too much per employee and needs to do redistribution (they do have profit sharing too), then shouldn't Costco pay their employees even more, as their profit per employee is much higher, or are you being a hypocrite?
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"Interest rates are at a record low and the government is printing money. You can get a fixed rate loan at a rate equal to inflation in a healthy economy. Unless you know that you are moving in < 5 years, why would you expose yourself to interest rate risk when rates are about as close to zero as they can be? If your thought with respect to mitigating interest rate risk is: ""What's the big deal, I'll just refinance!"", think again, because in a market where rates are climbing, you may not be able to affordably refinance at the LTV that you'll have in 5-7 years.  From 1974-1991, 30 year mortgages never fell below 9%, and were over 12% from 1979 to 1985. Think about what those kinds of rates -- which reduce a new homeowner's buying power by over 40%, would do to your homes value."