vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"Not to mention that what they were doing was ""the right way to do it"" for many decades. It was simply seen as the norm that you would have a job, take part of your savings, and put that into a 401k, because it was the only way to really provide for a safe future.  So...that's what we did. Oops.  The other big difference between Gen X and the surrounding generations, in regards to retirement, is Social Security. The Baby Boomers will have Social Security for most of the rest of their lives; it's funded, and it won't be a problem. Millenials have mostly come of age knowing that's a joke. Gen X, on the other hand, grew up and worked at least part of their lives under the assumption that Social Security, while having problems, would at least provide some help. However, with the way the economy and government is going, it's very possible that won't be a guarantee without major adjustments (decreased payout, increased retirement age, etc), so they're going to be taking it there as well.  That's not even to get started on the mortgage situation. For a lot of us X'ers, we bought homes near or at the top of the bubble, again, because everyone was telling our generation that we were foolish for renting; ""Why, with the tax incentives in place and the way housing prices have been rising the last 20 years, you're just throwing your money away by renting!"" So again, the Baby Boomers enjoyed 20-30 years of rising home prices, giving them a chance to build up a lot of equity and refinance at lower and lower rates; the millenials, again, were shielded simply by not being at the point in their lives where it would be a problem. Once again, it's Gen X that was just trying to do what they had observed as working their entire life.  I think Generation X will rise out of everything that has happened much wiser. Most of us have been through enough at this point that I think we're beginning to become very untrusting of ""the way things are"", and that will have heavy ramifications as the reigns of power fall from the Boomers to the X'ers.  May you live in interesting times..."
It depends greatly from place to place, but nothing beats the Internet reviews' research. If you can't find anything digging slightly deeper than the impressive home page, then you probably should be worried. As it seems that you are. Specifically, I do these: @JohnFX mentions a valid point: check for physical presence. Check that the office address is a real office and not a PO box or residential; call the number and see who answers it (if you call several times during different hours and the same person answers - that's probably a one-man operation). But that doesn't always help because short-term renting an office is not all that hard and getting a call-centre outsourced to a third-world country doesn't cost all that much. It definitely helps if you're dealing with someone local, but if you're in Sweden and checking out a suspicious operation in Cyprus - this is definitely not enough.
Cato is hardly an unbiased source, as they are a libertarian think-tank. They pretend a whole list of other important differences don't exist, and conveniently ignore the fact that Kansas switched to the Texas model and then experienced steep economic slowdown and budget shortfalls. Setting taxes is a process of balancing competing interests. High taxes can absolutely be damaging, but so can taxing too little. Both the libertarian and statist ideologies tend to lead to ruin.
US Alarm Companies helps consumers compare services and features from the best home security companies in the industry. This allows you to customize your home alarm system while saving time and money. An alarm system will secure your home, reduce the risk of a break in, and protect your family and property. Listed below are a few good tips that will help you pick the best security system for your home. Consider your home security needs when it comes to purchasing a new security system for your home. If you take a look around your home, you will see that you have many things of value. Computers, TV's, gaming systems, DVD's, jewelry, and priceless personal possessions are all something of value. And while we may not all have expensive family heirlooms to protect, we all have something valuable we would miss if a burglar should make off with it. Imagine your home being burglarized and all of these things were stolen. It would probably be very expensive to replace all the things that were taken, if the items are even replaceable at all. Determine your budget for a new home security system. A good home security system will cost money. You do not need to spend a small fortune to get one, but you will need to spend a little bit of money. By doing your research and comparing home security companies, you can get a rough idea about how much a home security system for your home will run. By knowing this, you will feel secure speaking to any alarm company representative when going over your security system options. Many reputable home security companies will offer to come out to your home and give you a free estimate for a new security system for your home, so its a good idea to get quotes from several companies. Go over all your options with your home security sales representative. Do you want a hardwired or wireless home security system? Do you have an active phone line or will you be using cellular communication as a way for your security system to be monitored? How long is the contract? What happens if you move? These are all questions to ask upfront and based on the answers you receive, should be enough to help you make your choice for a new home security company. Make your final decision.
Just talking about newly built homes. Young people are going to apartments and are renting just like the article is saying. I don't think the boomers are being *that* held back (on a macro level) by their kids moving in.
The other thing that you may or may not be considering is the fact that when she moves or otherwise ceases to live in that condo, you could then rent the unit out to others at the inflation adjusted rent price for the area. You could continue to build equity in the property for a fraction of the cost, and it would continue to be a tax write-off once your mother is not living there. While you have more maintenance and repairs cost when renters live there (typically, anyway), if inflation continues to carry on at about 4-5%, then you would be potentially renting the unit out at between $2,500 and $2,850 by the 10th year from now. Obviously, there are other considerations to be made as well, but those are some additional factors that don't seem to have been addressed in any of the above comments.
The values of 12, 26 and 9 are the typical industry standard setting used with the MACD, however other values can be substituted depending on your trading style and goals. The 26d EMA is considered the long moving average when in this case it is compared to the shorter 12d EMA. If you used a 5d EMA and a 10d EMA then the 10d EMA would be considered the long MA. It is based on what you are comparing it with. Apart from providing signals for a reversal in trend, MACD can also be used as an early indication to a possible end to a trend. What you look out for is divergence between the price and the MACD. See chart below of an example:  Here I have used 10d & 3d EMAs and 1 for the signal (as I did not want the signal to show up). I am simply using the MACD as a momentum indicator - which work by providing higher highs in the MACD with higher highs in price. This shows that the momentum in the trend is good so the trend should continue. However the last high in price is not met with a higher high in the MACD. The green lines demonstrate bearish divergence between price and the MACD, which is an indication that the momentum of the trend is slowing down. This could provide forewarning that the trend may be about to end and to take caution - i.e. not a good time to be buying this stock or if you already own it you may want to tighten up your stop loss.
I don't see how this is a problem.  It's their homes, not yours.  And why are your needs as a long term renter more important than the needs of the other people renting short term? If it truly were a problem, the returns on investment to short term would be lower than long term.  I.e., you are ripping off your landlord, he should raise his rent or kick you out and make an airbnb.
"To be fair, this isn't just marijuana. Heroin and meth are big problems some places. For example, oil workers in remote areas have a tendency to have meth issues. That's a big problem.  The other issue is that with drugs like marijuana, it can be difficult to tell if someone is high. Yes, marijuana is basically on the same level as alcohol, but it's easier to tell when someone is drunk vs when they are high (if they're covering up odor). In factory or field jobs, being able to tell someone is drunk or high is important. If you can tell someone is drunk, you send them home. If you can't tell that Mike went and got stoned because he doesn't smell like it, doesn't have red eyes, etc., he can still kill someone because his performance is affected. It's not as simple as ""marijuana is on the same level as alcohol"" because yeah that's true, but there are differences and those differences can lead to expensive and problematic workplace injuries.   Those ""antiquated CEOs"" are probably right on this one. It's not as simple as you make it out."
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"&gt;Privatization and outsourcing of knowledge is much cheaper than in-house economies of scale... wait, what?  It's a short-term gain ... problem with short term things is that when you do them repeatedly year-after-year, you pile-up a long-term loss (which eventually comes home to roost).  &gt;When this grand experiment is proven to not be the panacea of the business world's quest for cost reduction, we'll all look back and laugh at how silly these guys were.  You mean like the housing bubble, when *everyone* was getting rich ""flipping"" their homes back and forth between each other.  &gt;It's like saying it's cheaper for a family of four to eat out three times a day, seven times a week (at restaurant that serves food with quality comparable to home cooking) than it is to cook at home. We all know home cooked meals are more cost effective unless you're eating the bottom of the barrel fast food, even then, externalities of health and well being make the savings questionable.  Well said."
buying a logo from a foreign subsidiary is an import. They are importing the rights of the logo and is a trade imbalance to the negative.  what are you claiming they are exporting? money? seriously?   maybe you can claim they benefit more from the economic activity than the taxes. But you cant claim they benefit from being a net exporter.
Every year in September/October I see a huge rush of European and Asian tourists to the desert Southwest.  Americans are back in school, prices are half what they were in the summer.  The tour loop goes from LA to the Four Corners area and all states n between.  Vegas is always a stop, as are all major National Parks.  This year Vegas and CA are legal.  It will be interesting.
Its also a lot easier to run an electric cable to a car than a pipe containing flammable liquid. Plus, since electricity is a utility (gas is a commodity), there is tons of room for municipal investment that will generate cash for cities down the line.   Make free parking spots for electric cars only and have people pay for the amount of power they charge onto their battery. Tack it onto their home electricity bill rather than onto a separate thing.
In the short term, this question is pretty simple: Are occasional use grid-scale natural gas plants economically viable compared to distributed gas generators?  Home solar is an amazingly good deal now. Economically, the question isn't whether it'll take over most home power generation, it's how fast that will happen.  Currently - at least where I live - the grid is still a good deal for backup power. If that changes, then people will stop using it.  You can get a gas generator to cover a normal sized home installed for ~$4000. In places with piped gas, the price for running the generator looks comparable to grid power per kWh.  So no, I wouldn't pay triple the price for grid power or buy a ton of extra storage. I'd get a natural gas generator and handle solar downtime locally.
Where I live, the men are looking for a good woman to take care of them.  Everyone knows that a single guy is homeless. My best attributes as a single woman are that I have a 4x4 truck, a home, and a job. I've given up on romance. I can't afford it.
Some good honest questions...there will be people who come in here and claim one side or the other but the answer is, yes.  It's a little bit of all those things.  Some of those things actually tug on each other...as one becomese a problem the other worsens as well...so Y is bad but is it because of X?    For example, overly simlified, if people can't get a loan for a new home would this effect the number of new homes being built?  If home builders can't sell homes at a certain price because banks aren't willing to lend X dollars to someone with Y credit worthiness, they drop their prices to Y credit worthiniess, which effects used homes sales which means more people are still under water for their current home value and chose not to sell their used home which leads to less inventory as well.    There's a million scenarios. A million answes.  None of which I have.
Home security systems are a must have for families and individuals that live in the city districts. Crime is one the high in these areas and an investment in a solid home security system such as the GE Wireless Home Security System can really reduce the chances of falling victim to home related crimes. The GE home security system is wireless and cellular based and works with FrontPoint's cellular monitoring. The cellular monitoring from FrontPoint allows you to keep track of who enters and exits your home through instant text alerts and also allows you to see live video of the inside and outside of your home live from your smartphone such iPhone or Android phone!
My Google Home does a good job of recognizing my voice and using guest mode for other people using it but you made a fair point about controlling connected home devices - I wouldn't use a voice authenticated door lock.  But I don't see any evidence that my data over at Google or Amazon is vulnerable. Sure, there's some exposure and risk I have to accept but to argue that it's unsecured and that someone could get unauthorized access to it is extremely presumptuous.
It depends. CPA (or CA as it is known in the commonwealth countries) can be looked upon favourably in advisory positions in an investment bank (M&amp;A/ECM). It is a good grounding and a detailed knowledge of the accounts is very useful when it comes to understanding a company and valuing it. CFA is more useful if you're interested in a) becoming an Equity Research analyst or b) going into funds management.
"&gt;So people buying houses with inflated prices that they couldn't really afford isn't the problem?  I don't know the guy's exact financial situation besides the fact that he is upside down and he has good credit but I'd wager that for this gentlemen it's not a matter of him ""not being able to afford the home""  but a matter of he can't get a lower interest rate from his bank.   If he couldn't afford the home, he would have declared bankruptcy a long time ago when the bubble burst."
Why should the rich who buy more expensive homes be subisdized by those who pay less, or from those who rent? A person who buys a 500k home in a high property tax area wins twice. Once but having more tax breaks by being able to deduct more than your average working class person who buys a house at 250k and the second time when they get nicer schools, public services etc at other people's dime. SF home prices are a combination or speculation investment and poor government control. SF prices are at Tokyo levels when the population density is at 1/10. That is a failure of local government policy to build more homes, not from lack of tax breaks.  If your community wants to pay higher taxes for more local services, power to you and I encourage it, but you shouldn't be subsidized by those who dont. Imo, people shouldn't be punished for not owning property or living in a state where they think sales tax is better than income or property.
Amazon is beating Google at releasing voice assistant products. Owning both a Google Home, an Amazon Echo and two Echo dots, I can say that the Google Home is way closer to being a virtual assistant than anything made by Amazon. My echo is good at controlling my smart home but that's about it. The Google Home has the intelligence and information of Google behind it and you can ask it random questions and give it random tasks and it knows what to do. The echo fails 4/5 times with things like that. All it's going to take is Google adding more functionality to the Home and it will easily leapfrog the Echo.  Edit: spelling
Risk and return always go hand by hand.*  Risk is a measure of expected return volatility. The best investment at this stage is a good, easy to understand but thorough book on finance. *Applies to efficient markets only.
There's a good chance the location will be a Canadian city where wages are lower, education is excellent and international visas are not an issue.  Toronto or Montreal would be high on the list.  Vancouver, already home to many Amazonites, is likely to close to the mothership to qualify.
Dining room furniture set plays a pivotal role at every home. A sincerely purchased dining set can add a sense of style to any room at your home. It is an extension of your personality - so make sure to pick the one that is definitely you.
The Little Glass Robin is an independent  art studio specialising in art and gifts for the home. We believe in quality, good design and above all originality. Bringing together a collection of handcrafted home accessories. We provide unique hand crafted gifts for the home. Orginal art with a shabby chic twist infused with contemporary word art. Check out our unique and personalised gifts, handmade cards and original art. The little glass robin is the perfect one stop shop for all your gift purchasing.
I'd suggest waiting until a bit after you are married. To Eagle1's point, even $23,000 is not a huge sum of money.  You didn't make any mention of a desire to buy a home, but if that becomes part of the plan, I'd want every cent of liquidity I can get. I wrote Student Loans and Your First Mortgage to explain why your buying power for the house is lowered by paying that loan. In your case, $5000 is 20% of $25000. For a good 20% down purchase, I'd want those funds available. You also don't mention retirement accounts. Depending on the home purchase timing, I'd start to think about putting aside at least the $5500 per year IRA/Roth IRA maximum.
This is one of those too good to be true things that is actually true. Why? Because only you can do this. Only you can deduct for primary home mortgage interest, only you can get a low cost mortgage (others would have to get investor mortgages at a higher interest rate). So its only a great deal for you. More people would do it if they could, but they can't, thats why you can and should do this. I have a similar setup and it is terrific.
Lets assume you put the max of 5000 per year in a Roth IRA.  You have your home and all other debt paid off, and your investment earns 10%, a few points below the market average.  You will have $822,470 at 65, 1005K at 67 that you can draw on tax free.  It is a fairly tidy sum and should keep you from working as the greeter in WalMart. This kind of return should be expected from most mutual funds, and you could invest some time in reading about how to pick good returning funds.  An index fund, which shadows a market index, should have that kind of return.  And yes that is 10% per year.  In investing it is about momentum. I too write software for a living, and would suggest you should be able to contribute about double that amount and still be comfortable.  That would set you up for a pretty comfortable post-work life style. You understand the value of building passive income.  Traditionally that is accomplished through dividends of reliable companies, but are now accomplished a variety of ways.  Keep in mind the way you are asking this question opens you to many scams.
Hardly. Minimum wage is designed so people are not slaves. Rent for a 3 bedroom around my area went from $900 to $1250 in the past 3 years... minimum wage went up a few cents. Your unskilled labor isn't worth less than being able to afford a home. Medical billing pays $19 an hour... hardly skilled practice there. pretty sure a cashier being able to ring you out in a timely fashion and help bring Walmart 400b in revenue a year is worth more than living in a tent or 15 people in your home.
This is a really good point. The only caveat I'd make here is that junior professionals at investment banks / management consulting firms (let's call them analysts) generally have absolute no agency over their schedules, which is stressful and definitely impedes one's ability to have a social life.
So your dollar never leaves America until it leaves for an investment - which would be FDI. If you sent the dollar home to Mexico, that’s a remittance current account flow. Then later, you want to use that dollar for a housing investment in Mexico, it’s just domestic investment. If you move to the US, I believe that’s another remittance flow (though it might even be a service flow because the bank is the one moving the dollar!). Then to invest in Mexico you need to go through an FDI channel.
"&gt;Chesnais declined to describe a lot of details about the console. But he said it is based on PC technology. He said Atari is still working on the design and will reveal it at a later date.  As someone who owned a Alienware Alpha ""Steambox"", I will say if Atari manages to create a low cost, PC based ""game console"" so people can play PC games in a home theater environment, and make it so simple it's just like using a PS4 or XBOX, then I think they stand a good chance at having something."
A sober home will not fetch you big amount but it is in demand as many people look for a sober half way home for themselves or the older generation. Target local DA’s office if you want to go ahead with sober half way home, this will generate $750 per month for a 4 bhk to start a half way home.