vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"I put bills with a fixed monthly amount to my credit card, and remember to pay it every month.  However, I do not let any bill with a variable amount ""pull"" access to my funds.  I have to ""push"" the payment.  The reason is simple: We've all heard the tale of the Electric meter that rolled past zero, and the customer got charged for $65000.00, or other similar situations.  When there is pull access to my money, then I have to work to get my money back.  When there is push access, I can (in the electric situation above) pay an estimated monthly amount, (say $100) to demonstrate good faith and make them come after me.  When they do, I can ask them to demonstrate the accuracy of the bill.  If I have to go after them, I have to demonstrate the inaccuracy."
I think it is my favorite time of the week. Not just because it is a weekend and I can cook delicious weekend treats for my boys, but because it is the time to recharge and be silent.Easy Home Based Business,successful business tips,business tips for success,7 Essential Tips for Success,Business Ideas on a Budget
Based on my personal experience with that particular offer, I can say that it's not really a scam. I signed up for an Amazon Credit Card to get $70 off a purchase, but then never used the card. In fact, I never even called to activate it! After a few months, I then called to cancel it. I did not see a significant hit to my credit. However if you do shop frequently at Amazon it may be in your best interest to use their card, because it has other discounts associated with it.
"•Have you had any problems with bills not being paid? NO •If you had issues, were they addressed satisfactorily? Answer: A big issue that blindsided me:  With my bank, the funds come out of my account right away, but the actual payment is done through a third-party service. On my bank's online site it appears that the payment has been made, but that does not necessarily mean that the intended recipient has cashed it.  Looking online at my credit union's site is useless, because all I can tell is that the payment has been sent. The only way to verify payment is to contact the intended recipient.  Or I may telephone the online bill pay representative at my bank/credit union, who has access to the third party service. If I do nothing, after 90 days, the check is void, at which time the third party service notifies the bank/credit union and the funds will eventually end up back in my account.  I learned this today, after a third-party paper check to a health care provider was returned to me via mail by the recipient (because insurance had already paid and I did not owe them anything). The money was in the hands of the third-party service, not in my account, nor that of my credit union nor the recipient. At first my credit union told me that I would have to contact the third-party service myself and work it out. I said ""NO WAY"" and the credit union did get the money back into account the same day. This is a sweet deal for the third party, who has my money interest-free anywhere from a few days to three months. And risk-free as well, because the money goes directly from my account to the third party service."
"When I was in the industry and before I got in I watched The Kudlow Report on CNBC at 7.   Coverage was fairly well rounded so you had some highly technical segments going on too to balance out things like politics. They also had awesome guests like people from the Treasury and FED and my favorite, Robert Shiller, was on pretty often.  When I was in college nobody I knew watched it. Then I interned at one of the Big 4 for a top notch advisor and said ""You bet I do!"" Upon asking him.  This was all 6 years ago so..."
"*Selfish capitalists....sigh  Look. We both agree that large concentrations of wealth should be redistributed. I personally believe in a heavy Estate Tax, the rich are limited on what you can pass on to kids &amp; spouses. I think that would solve a lot of problems honestly but that's just me.   We both agree on taxes, I am more than happy to pay my 30% &amp; understand the benefits of it. I would argue I, and many other high income earners, can do more good with compounding my money and giving all of it away upon my death and living off of the interest but I doubt I would be able to convince you of that.  What we disagree on is the definition of hard work. If 1 man make 10 spoons an hour and works really hard and another figures out a way to work smarter and can make 100 and work less...... Every economic theory agrees you should pay the man who made 100 spoons more even though the man who made 10 might have worked ""harder"".  If my father choose to join the military and was very smart and able to lead well, you give him a stable career. If I was efficient  at planning my college major, career, and investments, I get paid more, have less debt, and am able to save more and compound my savings into capital.  *Results are more important than hard work, or to be frank, the effort you put into your work doesn't mean shit, it's all about productivity. That's why you hear the common ""participation trophy generation"" from older generations.    So no it isn't luck, but I doubt I can change your mind. I used to think like you until one day I told myself, no more excuses, I am in charge of everything about my life. From that day I have been methodical and obsessive to make the smart choices in life that allow me to be happy.   Just food for thought."
I used to work at a toys r us after my freshman year of college. There were about 4-5 of us responsible for the 2nd most busy/profitable store in Atlanta. Half the time I had to handle the overflow of customers in my R-Zone. They did not pay that great, offered no advancement, and treated everyone like crap.
I agree with you. I'm a millennial. I'm not some old dude sitting in a chair writing on Reddit without first hand knowledge. I took out six figures of college debt, but spent a long time calculating my expected ROI.  Years after working I lived in relative poverty to pay of my loans and finally have done so.   I totally believe in many forms of loan forgiveness, but a blanket forgiveness I cannot support.
A series of negative experiences across multiple stores and levels of employees/management, ending with getting the BBB involved.  They were still shady/poor even after the BBB case.  (In short, they lost my laptop I'd sent in for repair, didn't tell me and sent me something similar with my data on it, and when I sent it back, they continued not to tell me much of anything.  Lies and rude people all around.)  I refuse to use them even for showrooming, I stay outside when my friends go in.  I couldn't tell you the last time I went in, and it was by force.
No. At least not in my case. Without divulging too much information. I don't tell any of my distributors how to sell my company's products our engage their customer base, but due to the nature of my business, I am frequently called on for product selection, marketing, quality, etc. Distributors often utilize their account reps and managers to help them push products on their customer base. The only way this could be seen as truthful, in my opion, is direct retail distribution. Because how are you going to track the product after it has been purchased by a consumer.
"My idea if I had it done would make way over $200,000. $200,000 would only scratch the surface if the business got started up. You sir are the actual idiot for acting like you know everything about my idea without any evidence whatsoever. The idea has 100% never been done before, and that's a fact. You can't call someone's idea a terrible one without knowing what it is so I will keep going for my goal because people like you will come and go as much as you please. I said ""I'm confident my business would be successful"" you don't need research to have hope and determination. I pity the guy who went out of his at in an attempt to discourage my dream. I hope to get back to you after my business gets the wheels rolling, so I can take everything you just said to me and shove it up your ass while you continue to hate on everything and everyone. Fuck face"
The stock did go up a bit further after my profit target was reached, but the day after that the price started to fall as the price hit the resistance line and the Slow Stochastic did a crossover in the overbought area. Overall, this was a very ideal trade and I was very happy with it. Not all my trades reach my profit targets and I may get stopped out at a smaller profit or I might make a small loss (as I move my stops up as the price moves up). The key to successful trading over the long term is to keep you losses small and let your profits run (with my longer term trend trading I don't have profit targets and let my profits run until I get stopped out, but with my shorter term trading I do use a profit target usually 5 or 6 times the size of my initial stop). If you have an average win to average loss ratio of 3:1 or higher and have a success rate of 50% winners you will make money over the long term.
Hi! Question!   I just got hired at a publicly traded banking company in Southern California. My position will be in one of the corporate offices, working in the IT department, doing mostly documentation and communication.   My question is about dress code, more specifically tattoos.   I interviewed in a suit, dressed the part and everything and they extended an offer to me. But my last job was much more lax and I didn't have to hide my tattoos. The office culture appears to be business professional/business casual dress. I didn't see any visible tattoos in my tour but I didn't meet everyone.   Obviously I plan to wear long sleeves (I have a sleeve tattoo) in the beginning at least to feel it out, but if it continues to prove to be a strict environment I'll need to go shopping for more appropriate clothes.   I'm 29/F, have piercings (both tragus, conch orbital and ear lobes), interviewed with short (ruby rose style) grey hair, but I wore a suit. Just trying to paint a picture of what they subscribed to.   Does anyone have experience in banking and can shed some light on the tattoo issue?
Well yea, I used to work for Cox Communications if you want to check my post history so I have a vested interest in this topic. Netflix is fighting for net neutrality after the CEO said they could afford to pay the fees imposed my the telecomm companies. Happy now? https://www.google.com/amp/s/www.washingtonpost.com/amphtml/news/the-switch/wp/2017/06/15/netflix-joining-next-months-net-neutrality-protest-says-it-will-never-outgrow-the-fight/
I agree and I said that in my above post. Both generations have entitlement issues.  edit:the machievillian part I alluded to was not my own opinion by the way. I read it in my organizational behavior textbook when I was doing my MBA. If this is an analysis done by academics on generational attitudes and personalities, then I will pay attention to it.
My favorite story of a strategic default is from my friend who way overpaid for a house in the Bay Area. After the housing market fell, he bought a second home (with a separate mortgage), and THEN defaulted on the first house.   The lender on the first house knew that he bought a 2nd home recently, but they couldn't go after it because it was securing a mortgage to a different bank. His credit score was ruined, but it didn't matter to him because you only really need credit for a new mortgage and he already bought a new house.
It all depends on how much you want to change your phone. Android phone makers do a lot of customization to start with (and include their own crapware). This gives us phones with extra control buttons, more or fewer options (Near Field Communication, wireless charging, etc), and so on.  After that, you have options. New keyboard, special favorite Reddit app, etc. I don't see too many missing holes in the iOS apps, but some of my android widgets are missing or missing features (free, good, logging bar code reader that can email a list?).
"Dear Bot of Doom,   I appreciate your concern, and will consider your suggestions. However, you don't know anything about my level of knowledge or the training that I've had, what risks I'm taking and how I calculate them, or where my gambles will take me and my financial situation. A lot of people like to try to tell me that I'll fail.. Who knows what my future holds? All I can do is make my plan and stick to it, while educating myself along the way. And if I do in fact fail sometime in the future, walk into a buzzsaw, lose nearly everything, the blame will be solely on myself. Not on some ""professional"" who I've paid to manage my finances. I don't know.. Like I said, I appreciate your concern, I really do.. We shall see what happens in the future :)   Love,  Rachel"
I take some offense to your statement that I'm 'clearly jealous of the rich.'  That honestly sounds like a really douchey statement someone out of touch with reality would make... someone who is either naive, or has had everything handed to them for most of his/her life. I was stating facts, not making some attack on my buddies achievements.  I live very comfortably.  I just have something called empathy, and I can understand that things aren't as simple as you lay it out for everyone.    Even the example you provide is idealistic.  That kid had everything fall into order for him, not to mention his situation was ideal.  I too had my own business when I was living at my parents and in middle school and high school.  I also had my own employees, 8 in fact.  In fact, I wrote my college application essay all about it.  But you know what? Not everyone has the time, people might have families, mortgages, debt to pay off, and that 'extra time' you speak of after work, that could be spent working a 2nd job, taking care of kids, or hell, relaxing.  I know in my present job if I didn't have the time to relax after work I would go insane.  You need to understand that your 'solution' isn't an adequate solution for everyone.  Even hard working people who pull way more demanding hours than yourself often times cannot afford to pursue the path you suggest.  It's also not as simple as having an idea.  Idea's are cheap.  Execution takes patience, finesse, and lets be honest, a lot of luck.
"Finance/Econ major checking in. I'm not an expert, but I just finished up a finance/marketing internship and I'll be headed into my junior year.    In all honesty, I'm not sure you really need to worry about an internship after your freshman year. For the most part, it's the summer's after your first summer that it really becomes the standard thing to get an internship.    I almost guarantee you I stressed to the max about the same things you're (probably) stressing about: Am I going to have enough experience? Is my GPA high enough? Am I wasting time not interning during the semesters? Am I a failure because I didn't get this scholarship/internship/program, etc. In the end, and I'm far from the end, I don't think it's going to matter that I didn't get an internship after my freshman year. I have a 4.0, but I'm almost certain I'd be in the same position if I had a 3.5. I really worried about not getting a ""prestigious"" internship, but I think it's more about meaningful experience that you can use to say ""look! I did this!"" even if it's not with a Top-10 blah blah blah.    You'll get there. If you're worrying about it now before you've even started classes, you'll finish up with plenty of experience in one way or another. Don't worry about it too much, get used to classes, make new friends, and have the time of your life.    Edit: My junior year, not sophomore year... it's been a long summer."
You were like the kid who lived next door to me.... I was so envious at the time how much Lego he had.  It's probably why I now enjoy buying large piles of Lego then cleaning and sorting them one of my favorite things to do.
My local Ace hardware store is my new favorite place.  It's definitely still the old school hardware store of my youth, aisles and aisles of fasteners of every kind with envelopes and pens to write down what you bagged.  All the little fiddly bits of plumbing and cabinet hardware you can spend 40 days searching for in a Home Depot or Lowe's and never find.  A crusty old geezer in the back who knows more than your dad when it comes to plumbing, concrete, framing, etc...
I'm going to give the checkmark to Joe, but I wanted to convey my personal experience. I bank with TD in New Jersey and was informed by the teller that I simply needed to endorse the check myself and indicate Parent of Minor. I cannot attest if other banks will accept this, but it at least works for TD and my situation in particular.
I do work my ass off. If I roll my commute in I've got a fairly regular 14hours of work a day, and lots of stress. And I'm on call virtually always.  Hence the stress, and the dream of life after a lottery win. And with my stress I make pretty good money for my age, so I don't mind throwing some away to a dream
I just returned from overseas and for the most part it isn't TSA thats the worst part its the other parts that get added on. In comparison if I fly through to another country in Europe my items are checked through, I'll wait 15 minutes to get my passport stamped and stand in line for my plane. If you land in America from international you have to wait through customs (I just waited 1.5 hours but I know thats not standard) then I had to get my bags and recheck them through the airline, and finally I had to go through security yet again except this time instead of having to take things out of my pockets I had to remove my shoes, take everything out of my pockets and then get a complete body scan (not sure how I feel about those yet though I know many on here hate them)   It really is just more inconvenient and seemingly unnecessary
Going from personal experience, my parents let my brother and me borrow money from them all the time. However there was always some noteworthy things to take into account. As an example, I borrowed a large sum of money on my student loan (we will just say it was $50,000). I had saved nearly $30,000 on my own and my parents lent me $10,000. I paid the remaining off over the course of about a year and a half. After this loan was paid off - I started paying my parents back. They dictated that I should not worry about paying them until my other interest loans were paid off. Once they were, my priority was to pay back my parents. Its supposed to help your children get ahead a little bit rather then sucking out interest from them. As long as the money was not needed elsewhere and is spent on something important I would not worry about it. Just make sure they are aware they are expected to pay it back in a reasonable amount of time or with specific requirements (such as after other loans are paid off).
I'd like to start my own RIA firm. Which licenses do I need to start to get AUM under my belt and charge a 1% fee? Right now I am studying for my Series 7 and after that will be my Series 66. Is this the best path for accomplishing what I want to do?
Tying all of this together, what exactly is the point of this? To transfer wealth, to accrue wealth, or some combination thereof? This is important and unstated in your question. So again, without knowing more, there is no way to answer your question. But I am surprised that in this forum, so many people are quick to jump in and say in general that whole life insurance is a scam. And even more surprising is the fact the accepted answer has already been accepted. My personal take is that if you are just trying to accrue wealth, you should probably stick to the market and maybe buy term if you want a death benefit component. This is mostly due to your age (higher risk of death = higher premiums = lower buildup) and how long of a time period you have to build up money in the policy. But if a 25 year old asked this same question, depending on his purposes, I may suggest that a WL policy is in fact a good idea."
Just ship using a reputable courier (definitely not Yodel or Hermes!) that requires and obtains a surname and signature which you can view on their website (Citylink, Parcel Force to name a couple). Then remember to submit the tracking details when you mark the item as shipped on eBay. If the buyer is still brazen enough to claim the item never arrived, Paypal (in my experience) don't even entertain their claim. If however they claim the item arrived damaged/not as described, it could be trickier to defend. I'd recommend thoroughly documenting your item with photographs and recording the serial number, just in case you need to provide the details to Paypal. Again, in my experience, this has been enough to protect me from any fraudulent claims. To answer your second question, I don't believe eBay permits you to specify 'No Paypal', but if they did then yes, bank transfer is 100% safe (short of someone using stolen money to pay for the item, in which case you'd be guilty of money laundering thanks to the UK's wonderful laws on such things...)
"I've had a mortgage changing hands with mid size companies for many years with no problems.  I've handled many complex financial and technical transactions with multiple parties with no problems over the course decades. Then, after my last refinance, my mortgage fell into the hands of JP Morgan Chase. The bank sent one letter to let me know of the transfer, and in the next week they sent my loan to collections for what I later found to be Chase's process error in the transfer.   For the next three months, I ended up in customer service hell as one Chase group threatened to foreclose on my house while another group told me to ignore the imminent foreclosure notices. One started to ""investigate"" the transfer while the collections group tried to make me pay my mortgage payment twice.  The mess only ended up being taken care of after I tracked down the old owner of my loan and had them refund the ""lost"" payment directly to me - normally they would have sent it to the company buying the loan, but could not get Chase to accept the payment. Then I paid Chase that exact same mortgage payment.    All the time the Chase internal investigations and collections department were completely incapable of a simple call to previous holder of the loan. A company handling millions of mortgage transactions is somehow incapable of handling a minor glitch in a mortgage transfer? It's either utter incompetence or total malice in picking up extra penalty fees or maybe an occasional forclosure if homeowners didn't say on top of the details. This is what we used our collective tax dollars to bail out."