vania-janet/multiturn-rag-retrieval-data huggingface dataset:
&gt;But reddit loves to use this stuff as an excuse for bitching and whining about how unfair it is that we have to actually pay back student loans/mortgages/cards/etc  So do you think we should bring back debtors' prisons?  The key to success with a US education is to take out the massive student loan and flee the US.  Get your MD and go earn a living somewhere else where the long dick of the creditors can't reach you.  Move to Dubai and practice medicine for a decade and laugh your ass off.     Should a person who has racked up 120k in student loan debt be condemned to a lifetime of serfdom?   I mean the whole system is broken, and you cannot force people to stay in the country and you cannot create a life of serfdom while paying that debt off.  Creditors should have to take risk too.   When government regulation moves in and says you cannot default, they've effectively made you a serf, reduced the risk to the lender.  It's a lender's job to assess risk.   Start by looking at what degree program someone is entering.   Medicine?  Okay here's a truckload of cash for you.  Liberal Arts?   Nothing.     It's become a farse.   Take out massive student loans where anyone can qualify, pursue a shit degree no one cares about, and be stuck paying it off for the rest of your life.  The regulations are all wrong.   You absolutely 100% should have the ability to free yourself from your debts through bankruptcy.
FYI, it's not my article. But to respond....   &gt; What if it contributed to a planet that did not get destroyed, thereby maintaining a better business climate (pun intended) for the future?* FTFY   The point being made is that it isn't the purpose of a business to contribute to a planet not getting destroyed. That is the purpose of a scientist/non-profit/governmental organization. The point being made is that a business is losing its true focus and thus undermining its purpose if it tries to do anything other than maximize profits. I'm NOT saying I agree with that, but that's my take on what they're saying.
Hey, can some one explain to me the diference between a direct unsub loan, direct sub loan, and especially direct plus loan.  Since I will be getting this loans for school.  I would really apreciate it if anyone could help me out here.  Also, Is it smart to get into about debt for an education as an architect from a private education?
I am; I bought the house as a preforeclosure (short sell) at 120000; 100% financed with a USDA loan and lived there for about 5 years before my wife and I took a job in Birmingham.  With a 30 yr fixed rate... 119000 is about as low as I can go before I would have to come out of pocket at closing to get the lien released... and the problem is there's nothing left in my pockets..
I can think of a few reasons why they seem like a bigger deal to people than similar situations with other loans. As you point out, though, being underwater on your home loan is a less serious condition than having large student loans and a poor paying job, for example.  If the student loan situation ever comes to a head, we may have people talking about student loans in hushed tones.
You are correct that the price fixed when the contract is made is set and maybe there are a few institutions that don't actually bother to track the future after they initiate the contract.  But most parties likely track the contracts fairly carefully for a number of reasons.  The big deal is that while the price the contract is set, and if you did a perfect hedge maybe the value of the contract and the thing you are hedging is then fixed, the value of that futures contract by itself changes and this is important. The biggest reason is as JB mentions above most futures contracts settle up on a daily basis as the price of the underlying changes.  This happens to limit the losses when for large price changes and one party owes a bunch of money on a futures contract and (for that reason or a different one) goes bankrupt.  If the other party is using the contract to hedge a sale or asset maybe this risk is minimal but maybe that expected sale doesn't happen or maybe the party is using futures for speculation.  There is no way to know built into the contract if a party is really hedging or not so people naturally want to limit this default risk. There are many other reasons to track profit and loss as well: There are likely even more reasons as well that I'm missing but hopefully that gives you an idea.
"And now it is at about $3. Many times ""skeletons"" are bought and inflated for various reasons. Some are legitimate (for example a private business merging into a defunct but public corporation to avoid wasting resources on going public), some are not (mainly pump-and-dump scams that are using ""skeletons""). I don't know what was the case here (probably speculation based on the new marijuana laws in the US), but clearly the inflated price was completely unjustified since it went crashing down."
What we can see is that (taking ""animal spirits"" into account) without any evidence of illegality there are plenty of potential reasons why the spike may have occurred. Spikes are common where traders perceive a change in a trend as they rush to cash in on the change before other traders can and then sell out quickly when they realise that the price is fundamentally out of sync with the firm's underlying position. You yourself say that you have been watching the stock for some time and, by that fact alone, it is likely that others are for the same reasons that you are. Otherwise you wouldn't be looking at it. Where people are looking at a stock expecting it to take off or drop you expect volatility and volatility means spikes!"
&gt;Does he manipulate the Corporate BK laws by playing a Corp shell game and filing for BK protection - Yes.  Is that like how I manipulate the laws of physics when I walk across the street? All parties are well aware of securities and bankruptcy law. It's not like he gets federal bankruptcy laws changed halfway through his business deals. Companies go bankrupt all the time, just because he lends his brand to a business doesn't mean that he should be personally responsible for anything. If Nike went bankrupt, should Lebron James NBA salary be taken from him?
Speeding and distracted driving are among the most common reasons for getting a traffic ticket. Consult with Stephen G. Price, a seasoned defence lawyer in Langley, if you need help in defending your rights and preventing your license from being revoked.
There are a number reasons to hedge a position.  Here are some of the more common:
When the entire credit market seized up, people naturally started asking AIG to make good on their agreement and compensate them for the loans that went bad; unfortunately, AIG didn't have the money and couldn't borrow it themselves (hence the government bailout). To address the whole issue of a company going bankrupt: it's not necessarily the case that your bonds would be completely worthless (so I disagree with the people who implied that this would be the case). They'd probably be worth a lot less than you paid for them originally, though (possibly as bad as pennies on the dollar depending on how much under water the company was). Also, depending on how long it takes to work out a deal that everyone could agree to, my understanding is that it could take a long time before you see any of your money. I think it's also possible that you'll get some of the money as equity (rather than cash) - in fact, that's how the U.S. government ended up owning a lot of Chrysler (they were Chrysler's largest lender when they went bankrupt, so the government ended up getting a lot of equity in the business as part of the settlement). Incidentally, there is a market for securities in bankrupt companies for people that don't have time to wait for the bankruptcy settlement. Naturally, people who buy securities that are in that much trouble generally expect a steep discount. To summarize:"
Weight Loss Supplements contains all the essential products for you to start losing weight and getting fit. The most common when choosing a vegan diet is for ethical reasons, to care for the environment or to improve health, although the latter may not be sufficiently informed. Getting down or toning involves losing weight and gaining muscle, to get the body you've always wanted - and our VEGAN WEIGHT LOSS SUPPLEMENTS are the perfect starting point for anyone. Usually a vegan does not agree with how the meat industry works or how animals are farmed on farms to produce milk, eggs etc. And try to make the food industry friendlier to animals.
So many people are blaming the US gov't for the reasons people are taking drugs and can't get hired.  Such a ridiculous response to a COMPANY's decision to drug test.   I personally don't want to work around stoner's/meth heads/pill poppers when the job requires you to work around 30,000 pounds of steel.  That's just common sense. Nobody is forcing you to take drugs.  Stop blaming everyone else bc you got yourself addicted.
"I think your logic is flawed when you say CD's are ""better than records"" I hope you are not talking about sound quality...Unless you are working with Blu-ray quality audio files on those CD's (which I can assure you are not going for 25 cents to $1). Again assuming we are not talking about Blu-ray quality CD's compress the audio file down thus sacrificing the quality of the sound.   your cited source even says "" are many examples where a vinyl record may sound better than its equivalent CD for extremely specific reasons. Conversely, there are many CD's that may sound better than a vinyl record for specific reasons."""
Because of methods like the [Double Irish Arrangement](http://en.m.wikipedia.org/wiki/Double_Irish_Arrangement), which is used by the likes of Apple, Google, and many others.  It makes headlines for a myrad of reasons depending on the publication and the market. Bloomberg/wsj/etc will publish it because having low tax overhead is good for business and good for shareholders. The politics and possibility of regulatory change are also pertinent and may influence markets.  Other publications may publish for different reasons. There is a growing backlash against such forms of tax evasion. The more complicated the tax evasion, the less likely smaller firms may have access to those methods. It doesnt look good or feel right when medium fries are stuck paying our high corporate tax while the biggest fish swim free.
On what do you base that? They are literally selling all the $90,000 cars they can build, at a per-unit profit, and the only reason they're posting losses is massive R&amp;amp;amp;amp;D outlays, which is perfectly normal for a company in its growth phase.   You could argue the novelty will wear off soon, but what makes your take on that market any more reliable than any old guess? Mercedes and BMW prove there's steady streams of people with $80k to drop on a car.   They are just ramping up in China and they have a HUGE appetite for American luxury products.   I totally think they're current share price is, oh let's call it incredibly optimistic... But going bankrupt?
"Your views are quite obvious.  The facts are that Netflix was one of the leaders in the ""fight"" and have since taken a step back for business reasons.  I supported this with sources.  You criticize my claim without source and don't even refute my claim in the first place."
Are the topics of phone calls getting logged? If you have a list of the top 10 most popular phone call reasons, then you could start with those. Sit down with someone who is currently answering phones, and ask them how they resolve issues for the most common call topics.  That's what I've done in the past, and it went pretty smoothly. Of course, if there's been no trend tracking, it makes it difficult to retroactively gather that information.
They are actually pretty common and it's the reason that anyone who takes a Board seat at a company without D&amp;O insurance is playing russian roulette.  Now winning a shareholder suit on the merits (whether personal or derivative liability) is a whole different story - at least in Delaware Chancellery (fun fact DE has two judicial systems, one for corporate stuff with world class talent and one for everything else).    There's this doctrine called the 'Business Judgment Rule' which is a very high bar for a shareholder to overcome. Otherwise you'd see shareholder suits for every business deal that went wrong.  The other problem these Uber investors might run into is they haven't realized a loss, nor are they likely to have a negative return on the initial investment. Marking down a gain against a high water mark is an uphill battle.  Based on what it public, idk the cause of action, maybe Kalanick is going back on contractual language in his separation agreement (which is currently non-public) or that some of his actions as CEO could be considered self-dealing (again, not information currently in the public domain). Or maybe it's just a threat to put all the non-public shitty things he has done in a pleading and therefore put it in the public domain.
There's a difference between your street level drug dealer sending you sales proceeds of $20,000 in $5,000 increments to avoid sending you $10,000 or $20,000 at once to avoid the scrutiny of a government agency that might not be thrilled with your business venture, and a tire shop paying a wholesaler $5,000 each time funds are available up to the amount owed of $20,000. The former is illegal for a few reasons, and the latter is business as usual.
So short answer: If you really are a ""couple"", there are no taxable transactions here. If the IRS should actually question it, don't refer to it as ""collecting rent"" or any other words that imply this is a business arrangement. Describe it as a couple sharing expenses. (People sometimes have created tax problems for themselves by their choice of words in an audit.) But the chance that you would ever be audited over something like this is probably remote. I suppose that if at some point you break up, but you continue to live together for financial reasons (or whatever reasons), that could transform this into a business relationship and that would change my answer."
For example Standard and Poor issues a rating which goes all the way up to AAA for bonds. Recently, many sovereign countries have lost their AAA rating from S&P. Meaning that S&P feel that the possibility of these countries going bankrupt is non-zero. Conversely, banks may also be unable to give you your money when requested. In the US, the reserve requirements means that at any one time it only holds 10% of the money it owes to its customers. This can mean that if every customer turns up to the bank to demand their money, that bank would be unable to pay. This situation is called a Bank Run. During such a situation, the bank would likely collapse and default. In many modern countries, the government put into place guarantees on the first xxx amount in saving accounts, but otherwise, your savings could be lost. There are many complex reasons to choose one instrument over another (including some I have avoided), even if at the outset, they could appear to have the same rates.
Yes, I grew up about 20 minutes away and visit often - I know.  Bankrupt casinos are a pretty normal thing for AC.  This isn't 1980, when AC was one of VERY few gambling options east of Vegas.  Now they have New Yorkers going to Connecticut for Mohegan or Foxwood, Sugarhouse or Delaware Park for people in Philly... and flights to Vegas are faster, easier and cheaper than ever.  Yes, I know AC is hurting.  The problem is those NYC-area and Philly-area casinos which steal away customers.  AC just needs to scale back the casino focus, a nice 3-4 on the boardwalk could survive easily - I think Revel will be one of them.  But Showboat and Plaza are closing at the end of summer... and more of the older ones are sure to follow.  Once those are closed and demolished, replaced by some nice beach condos... I think AC can turn it around.  It's just going to take time.  Revel can survive, but the big money / big casino era for AC is over.
A couple of thoughts. Tax benefits are the usual reasons to decide on one residency or another. International tax law is complex, and it's probably best to consult a professional. Certainly without knowing which the other country is I would not want to hazard a guess. If he is really not going to be taxed on the other country, residing there would seem sensible. But... In Canada residency for tax purposes is established for an entire year. If you are resident for more than six months your salary for the year is taxable. Conversely if you are present for less than six months you are not taxable. (This may have changed - it's been twenty years since I did this.) The other issue is healthcare. If you are not resident in Ontario you are not eligible for free healthcare, I believe. He might have to purchase supplemental insurance if he returns occasionally.
Pro sports prices are too high, anyway.  Going by yourself, it's easy to drop $100 or more for the ticket, parking, food, and maybe one beer.  Ridiculous.  You can get a high-end meal, *far* better than a hot dog, then go watch the game at a bar for half the price.  You can get a better experience for much less money.  No wonder ticket sales are declining.  The reason baseball became America's pastime was that it was accessible to everyone.  Common working people could afford to attend games regularly.  If you want to attend regularly today, you better be earning over six figures.
Teslas use standard maintenance items.  The headlamps are standard on the models without LED (do remember that absolutely no vehicle LED lamps are standardized except for retrofit parts), brake parts are common cross-brand designs, the differential gearboxes use a common GM synthetic trans oil, battery coolant is a common ethylene glycol based automotive engine coolant, fuses and wipers are standard, and lots of the little electronic parts (door microswitches, hall effect sensors, plunger switches, solenoids, valving, and actuator motor) are very common and easy to obtain.  Steering and suspension parts are available in the aftermarket from high quality vendors.  All the coolant lines on the vehicle are standard or easy to reproduce, clamps are universal.
Insurance companies don't do natural disasters. If a significant number of people had flood insurance in Houston, the insurance companies would go bankrupt handling the claims. They just aren't structured to cover a situation where a large number of policies are likely to have claims at the same time.  That's why when insurance coverage for a large scale disaster is available at all, it usually comes from a government agency.
KEEP UP on current events and make sure that you understand a vast knowledge of economic data. For what your day-to-day activity may be, I can walk you through it. Let’s say you get in at 8am. You will get in at 8, read economic data/recent news articles until about 10; from there you will update client A-F P/L worksheet until about noon. You will eat a quick lunch until about 1230 and continue on the grind of E-M until about 4. From 4-5 you will reread what happened at the end of the day and an overall economic activity report for the day. You may stay until 8 or 9 (if you are in a banking hub/NYC), but a lot of the older guys will leave at this time. This is your time to shine. Stay as late as you can and pump out as much work as you can. As for your interview, they may ask you what will be a good play for the next 6 months to a year – you should respond with common themes in the market. The most common theme is the dividend growth play. A ton of people are not predicting large amount of growth for the next 5-10 years, I believe I read something earlier that JPM lowered their growth forecasts by about 30% recently, so dividends IS the play. Dividend payers are generally well established companies (blue chip) that have a strong foothold in their respective industry/sector. There are a ton of funds sprouting out everywhere to follow this trend (you could throw out a few funds for brownie points, I’ll give you some – MADVX and VDIGX are pretty common). I hope this helps and let me know if anything wasn’t clear (wrote it pretty quickly). I am off to have a drink or two or three, I’ll check this in the morning though."
I think people are missing the most obvious thing.  The yearly rate increases are just part of the landlord schtick and it is good business for them.  My grandmother owned several large apartment complexes.  She would raise rates for any resident that had been there between 1-5 years by 5-7% a year.  Even when she had vacancies and property values didn't go up.  For the following reasons: So yes it is not only normal but just part of the business.  If there are better apartments for less money I suggest you move there.  Soon those other apartments will even out and if they are better they will be much more.  So if you see a gap take advantage of it.  If you would rather stay, then simply say you will not pay the increase.  There is no use arguing about why.  The landlord will either be OK with it or say no.  Probably the biggest factors include whether you will tell other tenants (or their perception if you would) and how good of a tenant/risk they feel you are.
"Been a long while since I've read it but if I remember correctly with quotational loss Graham refers to an unjustified decline in stock price because of Mr. Market's fear and loathing where the business prospects of the company are actually still sound.  This is opposed to ""actual"" loss of capital which he would consider to be a company going bankrupt or just more generally turning out to have way worse business prospects than expected with the justified decline in stock price that entails."
"Your kind of missing the point of an e-ink ereader.  The prices for them are getting under $100.  They're cheap, specialized, portable, lightweight devices mostly made for reading reams of text without any eye strain.  The pictures are going to be simple diagrams at best. Because most of the devices are those, the ebooks are going to be designed for those interfaces.  E-ink readers are too low resolution and slow for anything else.  I bought a nook simple touch, much better than my kindle keyboard for $80 recently for example, and they're just going to get cheaper.  In a few years, I wouldn't be surprised if they were $50-$30, the e-reading equivalent of a pocket calculator.  What your talking about is what is being done on the iPad. Go fiddle with one, download a few magazine/newsstand apps and see the future of books and magazines there.  People are not going to want to be chained to a desk using an non-consumer priced 30"" monitor.   The next step is an iPad, Kindle Fire, etc with a retina display.  Publishers, or at least the companies that will replace them, are embracing it, but it takes time to develop."
Of course, this is true as long as you ignore issues like New York policeman spiking their overtime by working as flagmen on construction projects.  And, of course, pensions are determined by the highest paid years, so it's a great double dip scam.  The unions have done a great job focusing anger on the banks, but the states and cities are going to keep going bankrupt.
The niche they were going for was a family-friendly sports bar but no one wants to spend 2-3 hours in a bar with their kids or watch 1/3 of a game. What's more if I want to watch a game with my friends away from home it means other people's kids are going to be running around. It was also meant to be an alternative to Hooters but the family angle means you can't do the trashy eye-candy thing. The food isn't great and it's not cheap either so their business model is off and the food is only marginal.    The question isn't why millennials aren't going, it's why that many other people are.