vania-janet/multiturn-rag-retrieval-data huggingface dataset:
In theory, in a perfect world, what you state is almost true. Apart from transaction fees, if you assume that the market is perfectly efficient (ie: public information is immediately reflected in a perfect reflection of future share value, in all share prices when the information becomes available), then in theory any transaction you would choose to take is opposed by a reasonable person who is not taking advantage of you, just moving their position around. This would make any and all transactions completely reasonable from a cost-benefit perspective. ie: if the future value of all dividends to be paid by Apple [ie: the value of holding a share in Apple] exactly matches Apple's share price of $1,000, then buying a share for $1,000 is an even trade. Selling a share for $1,000 is also an even trade. Now in a perfectly efficient market, which we have assumed, then there is no edge to valuing a company using your own methods. If you take Apple's financial statements / press releases / reported information, and if you apply modern financial theory to evaluate the future dividends from Apple, you should get the same $1,000 share price that the market has already arrived at. So in this example, why wouldn't you just throw darts at a printout of the S&P 500 and invest in whatever it lands on? Because, even if the 'perfectly efficient market' agrees on the true value of something, different investments have different characteristics. As an example, consider a simple comparison of corporate bonds: Corporations make bond offerings to the public, allowing individual investors to effectively lend money to the corporation, for a future benefit. For simplicity, assume a bond with a 'face value' (the amount to be repaid to the investor on maturity) of $1,000 has these 3 defining characteristics: (1) The price [What the investor pays to acquire it]; (2) Interest payments [how much, if any, the corporation will pay to the investor before maturity, and when those payments will be made]; and (3) a bond rating [which is a third party assessment of how risky the bond is, based on the 'health' of the corporation].
You know, I shop local when I can, but for big mass produced stuff I often go the Amazon route. It is quicker, easier, and usually cheaper. I wouldn't use this in a store I liked a lot, but a Best Buy type, where they have displays laid out to a scientific formula, christmas music playing two months early to Pavlov me into a shipping mood, and set their TVs on HD then non-HD channels in a effort into making me perceive a bigger quality difference than actually exists? It is nice to have a counter tactic. Scan scan scan I say...
There is nothing wrong with giving out data and statistics so companies can hire a more more diverse workforce.  And I have absolutely no problem with what a company does internally to accomplish this goal.    The problem I have is what you said last. &gt;If a company wants to be racist in their hiring I am ok with that company going away.  That is the most heavy handed thing the government could do.  Even if a openly racist is only hiring whites;  what right does the community/government have to stop him?  The racist is not hurting anyone.  His only crime is only wanting to associate with individuals he wants too.  Yes less blacks will have less jobs but is it the responsibility of the racist to hire blacks. No of course not.  But if the community/government wants to shut the racist down for his hiring practices then we don't live in a county where rights and property is protected.  We live in a country where we think that it is a *right* to force someone else to hire you.
"Nestle owns more than 8000 brands worldwide. Remember that ""chinese"" Melanene in baby formula scandal? What you didn't hear is that was a Nestle company. If you want to avoid Nestle water you need to avoid Perrigrino, Nestea, Perrier, Poland Springs and Vittel. There are basically 10 companies that control the worlds packaged food supply."
We offer you to get the best  web service and incorporate the business needs. We use the most and the latest technology to develop a web page, here you can buy the best domain hosting service at the lowest price. It is an opportunity to save the time and money. We have a good experienced team that always helps you and give better guidance. Our professional team is very capable for the most service of a small business in USA. It's far a Limited Liability Company that’s form a LLC. We provide to our customers in Web Page or Domain Hosting service and additionally use the contemporary technology.
"It will depend somewhat on the rules where the company is formed, and perhaps how much you're talking about investing. I don't know about Canada, but when I've formed businesses in the U.S., I've been advised to invest some of the money as an equity investment, and the bulk of the remainder as a loan. You say ""more shares"", so it sounds like you've already invested some money and need to inject another round. If you make a loan to the company, make sure everything is done at arm's length -- you'll need to wear the hat of the Company Management and sign a contract with yourself, use a market-based interest rate, and make sure the company is paying you back with interest. An alternative which may work if you expect cash flow soon is to pay for certain expenses personally and then submit an expense report to the company, which will pay you back. Overall, a quick consultation with your accountant should be a relatively inexpensive way to get the best answer for your specific circumstances."
Other than the exchange risk, one more thing to consider is interest rate risk and the returns you are generating from your money. If it is lying around in a current account with no interest then it is rational to keep it where you intend to stay(US or AUS). Now if your money is working for you, earning interest or has been invested in the market then it seems reasonable that you should put it where it earns the maximum for you. But that comes with a rider, the exchange risk you may have to bear if you are converting between the currencies. Do the returns earned by your money cancel out the FX rates moving up and down and still leave you with a positive return, compared with what you would earn if your money was where you stayed. Consider the below scenarios Do evaluate all your options before you transfer your money.
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. Now that you have narrowed down your choices, it is time to make your final decision on which company and security system you will go with. Always remember that cheaper is not always better. It is always a good idea to use a company you feel the most secure with and who you feel can provide the best security for your home. Sometimes that means paying a little more money for the peace of mind. However, this is the security of your family you are dealing with, you can't really put a price on that.
Then you can run the backtest with typical (or observed) combinations of penalty factors and slowly stress them altogether. Edit Just to avoid confusion about terminology. A backtest in the strict sense (had I implemented this strategy X years ago, what would have happened?) won't benefit from any modelling simply because the real-world ""does the sampling"" for us. However, to evaluate a strategy's robustness you should account for the additional factors and run some stress tests. If the strategy performs well in the real-world or no-stress scenario but produces losses once a tiny slippage occurs every now and again, you could conclude that the strategy is very fragile. The key is to explore the maximum stress the strategy can handle (by whatever measure); if a lot you can call the strategy robust. The latter is what I personally call a backtest; the first procedure would go by the name ""extension towards the past"" or so. Some lightweight literature:"
You can get no load annuities through some no-load financial companies like Vanguard so to start with I'd see how what she is being offered compares with something that comes free of a sales load. I'd also question that fixed rate, seems pretty impossible to me, which makes me think there is some catch or 'gotcha' that we are not seeing that either brings down that rate, or makes it delusional (they are kidding themselves) or deceptive in some way. In any case it's setting off my 'too good to be true' alarm at full volume, along with the 'shark attack' alarm as well. (I would strongly suspect the 'advisor' is advising the product that makes the most money for him, NOT what is in your mother's best interest) A fixed annuity is an insurance product, not a security, because the insurance company must credit the annuity holder’s account with the specified interest rate for the contractually-stipulated time period, regardless of market fluctuations in actual interest rates. It is the insurance company that bears the investment risk, which it does by investing the annuity holder’s purchase proceeds in fixed-income instruments that the company hopes will provide sufficient return to fulfill its contractual representations to the holder. THIS is why there is no prospectus (it's not a 'security' they are not required to provide one by SEC) because the risk is entirely with the company. Obviously as pointed out in the comments, the company could easily go out of business (especially of they sell a lot of these and can't find a way to get that kind of return on the invested money). Now, ask yourself, if I was the insurance company, would I be comfortable guaranteeing that level of return over that much time if I intend to make a profit from it, pay sales comissions, and stay in business?
I have already talked to them over the phone and they insist they   haven't charged me yet, and I will not be charged. When I informed   them I had in fact been charged they agreed it would be reversed. So I   have tried to resolve the issue and I don't have any confidence they   will reverse the charge as it has not been done yet. They are   difficult to communicate which makes the whole process more difficult. Your best next step is to call the credit card company and share this story.  I believe the likely result is that the credit card company will initiate a charge back. My question is, is this a valid reason to file a chargeback on my credit card? Yes.   If you attempted to work it out with the vendor and it is not working out, this is an appropriate time to initiate a charge back.
"&gt; love how you're walking back toward the positions I've taken previously,  I was about to say the same about you, when you agreed that Susan is not good at anything and got her job due to her connections and not because of, or despite of her educational background and degrees.  &gt; you said you would not consider someone with a music or communications undergrad degree for a security position, full stop. Diversity hire?   Yes. I will not hire Music people for Security jobs unless they have proven experience and I would definitely hire former soldiers and IT graduates with zero experience over a music major for a security job, because ""diversity"" is not even a factor and should not be a factor in choosing the best for the job.   &gt; their [HR] role is to hire the best talent and protect the company, not to protect employees,  Correction: HR role and actions is to hire the cheapest employees, even employ freelancers, contractors and outsource. They will never pay for good talent but they sure will offer a fat salary for the cousin of the CEO's tennis trainer.   You are 100% correct when you said that HR does not protect of even on the side of the employee.  P/S: the HR department at my firm is using contractors and temps for various tasks. They have a huge turn over of employees and were rank one of the lowest in the company's ""employee engagement"" survey... like HR department is most companies. What a great image this gives to the rest of the employees in the company."
"I'm really surprised at the answers here. Claims/year per region isn't a statistic that is meaningful here... you need to think about the risk factors and the purpose of the insurance. First, what does title insurance do? It protects you against defects in the deed -- defects that may crop up and mean that your mortgage is no longer valid. This is different from most forms of insurance -- the events that render your title invalid are events that may have happened years, decades or even centuries ago. A big part of the insurance policy and its cost is conducting research to assess the validity of a deed. The whole point of the insurance is to reduce claims by improving data associated with the ""chain of custody"" of the property. So how do you evaluate the risk of finding out about something that happened a long time ago, that nobody appears to know about? IMO, you have to think about risk factors that increase the probability that things were screwed up in the past: You need to have an informed discussion with your attorney and figure out if it makes sense for you. Don't dismiss it out of hand."
"In general, ""billed amounts"" don't mean a whole lot, since if the provider has a contract with the insurance company (usually called ""in-network""), the insurance company picks what the rates are that the treatment ""should"" cost, and how that cost gets allocated between what the insurance company pays and what the patient pays. Due to that contract, the insurance company and provider should agree on how much the patient owes, and one shouldn't pay a provider more than what the insurance company says you should. On the other hand, some insurance plans have a level of ""out of network"" coverage. In that case, the insurance company has its same sense of what the treatment ""should"" cost, but is really only concerned with paying its share. The EOB then should show how much they pay, but will generally show the full ""billed amount"" minus their payment as the amount the patient owes. That is, since there's no contract between the provider and the insurance company, the insurance company has no way to stop the provider from ""balance billing"" you for whatever they want beyond the amount that the insurance is paying, since any payment amount is purely a transaction between you and the provider. In general (as with anything involving large amounts of money), it's best to get all you can in writing. The provider should be able to provide you with a statement showing zero remaining due, and including both any payment you've made to them and any payments made by the insurance company. It may take a while for the payment from the insurance company to be processed, and until it does there may be something on the statement showing ""estimated amount to be paid by insurance"", which isn't as comforting as one showing ""actual amount paid by insurance"" and ""zero due""."
This is dumb. The sub company will lose money but the parent company will pay taxes on the income they made off of expenses to the subcompany.  This doesn't systematically reduce their risk either. Banks will loan more money if the parent company is liable to pay the bills if the sub company can't. So yes, a bank may make a loan to the sub company without any liability on the parent company, but its going to be a very small loan compared to what they would've given the parent company.
The act also changed the nominal price of gold from $20.67 per troy ounce to $35. But now, the US Dollar is not backed by anything, so how do they devalue it now (outside of intentionally inflating it)? The Hong Kong Dollar, since it is fixed to the US Dollar, could be devalued relative to the Dollar, going from 7.75 to 9.75 or something similar, so it depends on the currency. As for the final part, ""does the real value of my stock ownership go down"" the answer is yes if the stock ownership is in the currency devalued, though it may rise over the longer term if investors think that the value of the company will rise relative to devaluation and if they trust the market (remember a devaluation can scare investors, even if a company has value). Sorry that there's too much ""it depends"" in the answer; there are many variables at stake for this. The best answer is to say, ""Look at history and what happened"" and you might see a pattern emerge; what I see is a lot of uncertainty in past devaluations that cause panics."
"Not specifically a ""stream"", but there are royalty companies that operate based on a similar concept. With a royalty, a party will pay upfront to a another party, usually a product manufacturer, oil & gas producer, or miner, and in return they will receive a percentage of the proceeds from the sale of the goods.  For example, Company A owns 100 sections of land which carry mineral rights and they would like to drill on the land to produce oil & gas. However, Company A does not have the capital to produce the resource. Company B, a royalty company, agrees to provide upfront capital to Company A in return for a royalty, sometimes fixed, sometimes sliding scale based on other factors. The royalty is calculated based on a percentage of the sales proceeds that Company A receives from the sale of their oil & gas production.  In this way, royalty companies act similarly to streaming companies, where they provide upfront capital and in return receive a cash flow stream that is dependant on another party's actions. What is different is that the selling price is not fixed. Instead, it is the % of proceeds that is fixed, at least in the short term.  In Canada, PrairieSky Royalty and Freehold Royalties do exactly this."
"GTI NET is a fresh new MLM company that make the buzz. This will be for sure your best mlm company in 2017,2018 and 2019. Coming from Belgium it is little known in the United States, United Kingdom and Asia. It has a ""non saturation"" model due to the combination of a wonderful financial product and one of the best multi level marketing compensation plan. This Multi Level Marketing review will shake your conception of the MLM industry for sure, and turn your presuppositions about the MLM industry upside down! To enroll or to get more information contact me at gti.net@YourBestMLM.com http://YourBestMLM.com"
Everyone always rants on how big of a problem this is.  Just a quick note, I don't care how much they get paid, but it's important to understand why.  It isn't because they set their own salaries, or that they are all super greedy.  Their pay is meant to solve an agency problem. The CEO doesn't own the company, the public does. Because of that the CEO has little incentive to act in the best interests of the owners, rather than his own interest.  So their pay is structured in a way that solves this problem. They are paid based on how well their company does, and how much shareholder value they create. This aligns their interests with the shareholders.  Is this the best solution? Probably not.  Is there a better one? Probably.  Do I know it? No.  But mindlessly complaining about the result doesn't solve the issue. The issue is we need a good solution for the agency problem in an economic system that is built on public ownership and private management.
Your understanding of the stock market is absolutely correct theoretically. However there is a lot more to it. A stock on a given day is effected by a lot of factors. These factors could really be anything. For example, if you are buying a stock in an agricultural company and there was no rainfall this year, there is a big chance that your stock will lose value. There is also a chance that a war breaks out tomorrow and due to all the government spending on the war, the economy collapses and effects the prices of stocks. Why does this happen? This happens because bad rainfall or war can get people to lose confidence in a stock market. On the other hand GDP growth and low unemployment rates can make people think positive and increase the demand in a stock driving the prices up. The main factor in the stock market is sentiment(How people perceive certain news). This causes a stock to rise or fall even before the event actually happens. (For example:- Weather pundits predicted good rainfall for next year. That news is already known to people, so if the weather pundit was correct, it might not drive the prices up. However, if the rainfall was way better than people expected it to be it would drive the price up and vice versa.   These are just examples at a basic level. There are a lot of other factors which determine the price of the stock. The best way to look at it(In my personal opinion) is the way Warren Buffet puts it, i.e. look at the stock as a business and see the potential growth over a long period of time.  There will be unexpected events, but in the long run, the business must be profitable. There are various ways to value a company such as Price to earnings ratios, PEG ratios, discounted cash flows and you can also create your own. See what works best for you and record your success/failure ratio before you actually put money in.  Good Luck,
Question 1: Yes Question 2: There is no simple formula. Car insurance is mostly Statistics, because you have so many millions of cases that the variance is really low. This also means that, because the cost can be estimated so precisely, it is difficult to make an offer better than the competitors. For that reason every insurance company makes there own, arbitrary, segmentation of the data which leads them identify low risk groups they can offer a bonus to. Common ones are type of car or and driving experience, but it could be anything that is not forbidden by anti-discrimination-laws. Also additional perks like towing insurance etc. may give them an opportunity do differentiate themselves or to make easy profit.  In fact it is a common tactic to offer prices that make close to no profit to fill up your book, then raise tariffs in then following years an make you profit with those who are to lazy to switch.
The percentage of gross income is a quick and easy way to arrive at the rough ballpark figure of the mortgage one can afford. The net income is something which one does not know offhand. If you want to seriously evaluate then most of the standard mortgage calculators will ask you to enter your gross income, your other liabilities like Auto Loan, Student Loan, personal Loan, Card Payments, Any other regular payments like Child Support etc. After factoring all these one arrives at the actual mortgage one can afford. As is evident, the above requires a good amount of calculation and hence the preffered method becomes on the basis of gross income.
Unfortunately there is no universal answer to this question. Each mortgage servicing company will handle it differently according to their own policies. The best way to handle this problem is to talk to your mortgage servicing company and specify that you want all of your over-payments to be applied to principle (assuming that is indeed what you want). Most companies will be willing to work according to your stated preferences, but there may be some companies that have a specific procedure for how to make sure that preference is applied. Unfortunately there is very little you can do about it if you ended up with one of the less friendly mortgage servicing companies out there. Maybe threaten a lawsuit. Good luck.