vania-janet/multiturn-rag-retrieval-data huggingface dataset:
This is the reason why insurance premiums are skyrocketing. When someone hops on with a PE condition and then hops off during open enrollment, that person is paying $100 for $1,000 worth of medical care. My numbers of fictitious, but the concept remains the same. Imagine if you had a business where customers paid a monthly fee of $50 so that at any time they may withdraw $1,200 when they needed it. Well, the federal government decides to pass a law that says you cannot deny people that don't have a monthly subscription and need immediate financing. And now people can come in and give you $100 and in return you give them $1,000. Your business would be an epic fail except you did two things to combat this new law. 1) You raised your customers' monthly subscriptions from $50 to $75; and 2) You now require that monthly customers pay a $25 deductible before they are allowed to have their $1,200. As a business person, these changes were necessary because you were not allowed to deny walk-in customers that were exchanging their $100 for your $1,000. This is how Obamacare is affecting the insurance market. Insurance companies have to find a way to not lose money. Raising premiums and deductibles for paying customers is the only way to do it. In a perfect world, everyone buys health insurance before they are sick. And despite the fact that we don't live in a perfect world, there were still ways to get health insurance - and I'm talking pre-Obamacare - if you didn't have it before getting sick. You could have gotten a job that offered medical coverage in a group insurance plan. These plans always covered PE conditions. These plans are (still) required to cover PE conditions. I am not a bad person. I'm not greedy, either. I believe in social support system for those that truly need it. Sometimes people are born into bad situations or sometimes people can slip up and hit some bad luck. I am more than fine with helping those people out. But when the government puts their hands too deep into my pockets, it isn't just money they are grabbing.
To be honest I've had rather poor experience with unionized workers in the US... I've seen union electricians wire emergency power off circuits backwards (such that they wouldn't work when the firefighters try to cut power to the facility, or wouldn't work when on battery power)... I've seen unionized construction workers seal garbage under a floor because they couldn't be bothered to pick it up (it was their own too, food waste). Other unionized trades that will just leave their garbage / cuttings / mess for someone else to clean up.   From what I've seen / experienced Unions today are nothing like what they should be, protecting the most incompetent among them and constantly demanding increased wages for poor performance.   Why should I have to pay someone more to do a shittier job just because they're in a members only club? Honestly, I cant think of any reason for minimum wage paying jobs to have a union. If you think the wages are too low for cost of living then the minimum wage should be raised. These people have no special skills, little to no training, and usually no education.
"Such a flawed, grasping-at-straws article. Do both ivy league institutions and schools like Hartwick (example used in article) have students that transfer out of STEM programs? Absolutely. But I can say with absolute confidence that engineering programs (e.g.) are considerably more difficult at the former.  In reference to math SAT scores for Hartwick,  &gt;""The top, middle, and bottom third of students averaged 569, 472, and 417, respectively.""  Sorry, but the bottom ivy students' scores are above your top performers by a substantial margin.  Are there kids at ivy schools that got the silver spoon treatment their whole lives and perform well because of this? Yup. Characters of all types at all learning institutions. But don't demean the achievement of those who worked their asses off to get somewhere.  Hi, I am bbqbot, and my jimmies are rustled."
For all of us who are married, our wedding day is remembered as a special day in our lives. There would be hardly anyone, who would not want their wedding day to be as special as possible and a memorable one at that. However, while memories can fade with passage of time, one can store them for a lifetime, with the help of photographs.
See many past answers: you will usually save the most money by paying off the highest-intetest-rate loan first. (Remember to allow for tax effects, if any, when comparing real interest rates.) Some folks are more motivated to simplify their finances than to save money; in that case you might pay off the smallest loan first.
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They aren't swearing off of competitive shopping, lol. They're just paying for an individual service up front in exchange for what they presume are greater returns later in the year. Whether it's actually worth it probably varies on an individual basis.
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Congrats on making it this far debt free. It is rare, but nice to be in the situation that you are in.  The important thing here is that you want to remain debt free. That's really what the emergency fund is all about: it keeps you from needing to go into debt should something unexpected happen.  You've got 1.5 months worth of expenses saved up, and that's great. If you don't have a family or other responsibilities, that might be enough, but think about this: how are you paying for school, and what would happen if those funds stopped coming in? If you are paying for school out of your own income, what happens if you lose your job? If someone else, perhaps your parents, is paying for school, what happens if they are suddenly no longer able to do so?  While you have extra cash, you want to be saving it up for situations like this.  If I were you, I would build up that emergency fund until it got to the point where it could pay all your expenses and tuition until graduation. Hopefully, you won't need to touch it, but it will be there if you need it.  Since you need to be able to access your money quickly, it is generally recommended to park this money in a savings account, where it is very safe. Mutual funds are a great way to invest, but they are not safe in the short term.  Don't stress out about not being able to start retirement investing just yet. Making sure you can finish school debt free is the best investment you can make right now. After you graduate and land a job, you can start investing aggressively.
"This is regular income to you (unless you meet some very narrow health-related field exceptions.) There's no ""claiming of income"" by you, it should be included on your W-2 as regular income where it will be subject to employment and income tax. Think of it like a bonus. It will bump up your income and make it look like you earn more money (because you did). There's no special tax break for you or your employer for paying off your pre-existing student loans. Talk to your student loan servicer to find out how the extra money will affect your income-based repayment plan next year. They should be able to tell you, or at least estimate for you, how it will change your future payments. Armed with that knowledge you can then decide whether or not to take the money from your employer. Naively, it would seem dumb to turn down free money, but there are some weird incentives out there."
Have you ever been so poor as to be destitute? Not just someone with a hard scrabble life but someone with no options? I come from a third world country and was so poor that sometimes, I went hungry for days and on others, had nothing more than a banana to eat. My parents pawned all their meager savings to ensure I got a good education and was supporting my parents straight out of college.   I am one of the lucky ones who got away but I had plenty of hard-working, honest and talented friends who are stuck. You need to walk in the shoes of these people.   It is not always so simple. There are quite a few youth who while away their time on Reddit, games, hanging out on the corners of streets and so on but for every such person, there is a Dad or a Mom with a medical condition, a child whose parents are uneducated and too poor to teach their children at home, people who are too ill physically or mentally to work and having large medical bills and families that are barely surviving. Yet, they have chosen the hard, honest life over one of crime and petty theft. These people deserve our respect, even when we disagree with them.   I am an extreme libertarian who thinks all government programs should be abolished but I respect the liberal viewpoint. Churches and charity are not always the answer. Many times, it is also one of chance and station in life.  Edit - Pardon the lack of structure. This thread touched a raw nerve, even as I leave my old life behind and move towards a brighter future.  Edit - Need to add for posterity that I came to the US as a skilled worker and legal immigrant, having been invited due to my skills in a particular field.
At the end of the day, the cost of health care has grown 3X faster than inflation, and 20X faster than the average income for over 30 years now. So, no, [health care in this country is not the best to the average person](http://www.pbs.org/newshour/rundown/health-costs-how-the-us-compares-with-other-countries/). And yes, Space X has been able to estimate a savings of $300M less... Commercial does a great job of expanding on the research and knowledge that has come from government sponsored R&amp;D. You see that in every modern technological advancement - from the internet, cellular phones, GPS, medical procedures, etc. There are so many modern inventions that have sprung from government patents and government research programs.
First off, this is a post for /r/personalfinance.   Second off, if you want to think of this like an accountant/financier, those are the bank's 10233 dollars, not your's, and you are paying them 6% to keep that money. If you are confident that you are going to make more than 6% interest on any investments you make with that money, it makes sense to do so, although your return will be 6% less in reality. You also assume the risk of losing money on the investment and not having enough money to repay your loans.             tl;dr Pay off the loan.
Well, OS/2 is a pretty hard target for it by nature.  Most of that which are venues for spread in Windows and *NIX are actually not part of the operating system with OS/2.  It wasn't built for compatibility with existing standards, but as an all new standard in most regards.  Everything there for existing standards like TCP/IP,  is basically a plug-in that interacts with programs that would use it.  This makes it very hard for something external to actually affect the core system.  Even a lot of OS/2's out of the box functions are implemented in this manner.
Work and save for college, trade school, enter the workforce permanently, etc. (This wouldn't work as well if private loans were still easily obtainable and non-dischargable, because there could be shady dealings to make more people not eligible for the ""free"" assistance with some type of crazy obstacles, etc.) We could do things like cap the costs for particular programs. If you want to study mechanical engineering, you can get up to X amount, but if you're studying early French poetry, you can only get up to Y amount. Yes, we could do that now, but I don't love the idea of putting those type of restrictions when it's the student paying.. it seems a bit of an overreach. There are lots of ways we could be addressing things, but we aren't."
"Not just executives, there's going to be giant finance, HR, etc functions for these chains. There's also a massive advertisement budget to pay for (remember, every time you see an ad for something, it's priced into that product). Finally, chains are frequently ""victims"" of leveraged buyouts/takeovers and thus have a metric fuckton of debt to pay off."
Come om guys, it'll probably  e either 50.000 as a maximum for number of applicants, or 50.000 jobs that you can apply for but don't necessarily need filling right away / at all. For example they are already filled but just thrown out there in case a special candidate applies.   Or all shifts in the warehouse are counted separately, like the extra ten people in the morning are counted as separate jobs etc etc endless possibilities.
If you are planning a birthday party for your kid why do not you think at Legos for the theme? There are some easy ways to decorate that special Lego birthday cake. It is a great toy by which kids can construct all types of things, from houses to working models of cars or trains and mountains and trees.
Your money management technique is a very personal choice. Each person's system will be a little different. For us, we don't believe in debt so we operate on a cash basis for everything with the exception of our house. We keep our expenses to roughly 75% of our after tax income. The rest we save and invest. And we are paying extra on our mortgage to get the house paid off asap. Each person will divide their 75% differently based on your consumption preferences.  The same goes for the 25% savings and investing.  You need to set some goals and save accordingly.
Lowered rates = boom for equities, currently held bonds, and assets. Cheaper money means a (disproportionately) good time had by all. This all comes with malinvestment, potential for moral hazard, and savers losing in a big way. Why save for retirement when your risk free return on US Treasuries can barely keep up with inflation? As an aside, it is not really a risk free rate anymore, with $20 trillion in debt and no real hope of paying it off.  This is why we see the rate increases and movement towards asset sales by the Fed to get the poop off their books. They are worried about all of the above and need more arrows in their quiver when the next recession hits. They won't have enough, however. They are trying to right a ship that is fully overturned.   This is now the longest period of growth (however tepid) since the tech bubble of the 1990's. Are the fundamentals really better than then?
My response was actually about the stupidity of nitpicking and the fallaciousness of the public preoccupation with minimalist government spending.  I made no argument that the government need to be lavish.  And I agree, first class is not necessary in almost all cases. But it is easier to be productive in first class.  And if you're competing with the private sector for talent, there are certain places that skimping is both counter to productivity and strategic outcomes.  You want the best medical doctors working for the NIH and the CDC. Forcing shitty working conditions on them out of rigid demands is not a useful tactic.  And, again, I agree: harassing entry level and working class employees over small issues isn't good for the staff, the government or the people they serve.  If you want to find CHIP and food programs, quit giving out corporate welfare in the form of overpurchasing military hardware the Pentagon doesn't even want just for the sake of chest thumping and looking good.  And stop insisting that all taxes are spent inefficiently - it's untrue.  But making highly educated, powerful government employees live on the cheapest possible benefits and costs of employment is silly. And counterproductive - it moves you closer to ensuring government dollars are inefficient because no one talented will bother staying.
"So basically, the bar has been lowered due to the fact that so many people don't qualify for credit. The medical debt issue is one thing, but the fact that only 28% of home purchases these days are first time home buyers instead of 40% says more about our unaffordable higher educational system, labor market and people's ability to earn decent income than it does about credit being ""too tight"".  If anything this is a loosening of standards since the banks have no alternative in order to drum up new sales. They're 12% off the mark and they're finding ways to close the gap. Wages probably won't get better, so they're better off accepting lower quality customers and rolling the dice on their ability to pay off debts over the life of the loans they issue.  Sounding familiar?"
"Well, I suppose it depends on your idea of a ""lost cause"". Are you planning to lose the house to foreclosure?  If so, then yes, it's a lost cause.  Don't waste your money paying down the principal. In any other scenario* you should absolutely pay down the principal to the extent that you'd pay down any loan with nearly 9% interest (in other words, moderately aggressively). The fact is, you owe someone $265,000 unless you plan on losing the home to foreclosure.  You can manage the amount of interest you pay while you hold that debt by paying it down. * Short sale and bankruptcy would be special conditions as well, but not exactly the same effect as foreclosure."
Home care service providers are primarily there to administer care, but they will also look to create a bond and build up compatibility with the person they are caring for. For people who have been left housebound by their sickness, this could have a positive effect, giving them with someone to talk to on a human level – rather than an endless slew of medical jargon.
There has been a lot discussion on Iceland as the model response to a financial crisis over at [Market-Ticker](http://market-ticker.org/)/[Tickerforum](http://tickerforum.org/).  Just search the search box for Iceland.  What would be even more constructive would be to do a three-way comparison between the US handling of the Savings &amp; Loan crisis in the 80s, Iceland's handling of the current crisis, and the US handling of the current crisis.  [William/Bill Black](http://en.wikipedia.org/wiki/William_K._Black) has had a lot to say on that lately, search Reddit or Google Plus for his name for starters, there are some videos floating around of him doing talks at OWS-LA, among other places.  I'm almost certain that US handling of the S&amp;L crisis was very similar to Iceland's, and resulted in short-term pain but long-term stability and return to growth.  Whereas the current US response is going to result in long-term pain for everyone except the perps.
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Cash option accounts While this is possible, many brokers force an upgrade to a margin account, and the ShareBuilder Options Account Agreement seems ambiguous, but their options trading page implies the upgrade. In a cash account, equities are not marginable, so any margin will trigger a margin call. If the margin debt did not trigger a margin call then it is unlikely that it is a cash account as margin for any security in a cash account except for certain options trades is 100%. Equities are convertible to cash presumably at the bid, so during a call exercise, the exercisor or exercisor's broker pays cash for the underlying at the exercise price, and any deficit is financed with debt, thus underlying can be sold to satisfy that debt or be sold for cash as one normally would. To preempt a forced exercise as a call holder, one could short the underlying, but this will be more expensive, and since probably no broker allows shorting against the box because of its intended use to circumvent capital gains taxes by fraud. The least expensive way to trade out of options positions is to close them themselves rather than take delivery.
If the shares were bought at $140, the time value stills drops to zero, but the option is closed at $10 in the money. My answer was for a cash deal. In a case where the old shares are replaced by new shares or a combination of shares and money, the options terms are changed to reflect the combination of new assets for old. Update based on disclosure that it's Monsanto we are discussing. Bayer and Monsanto have announced that they signed a definitive agreement under which Bayer will acquire Monsanto for USD 128 per share in an all-cash transaction. Based on Monsanto’s closing share price on May 9, 2016, the day before Bayer’s first written proposal to Monsanto, the offer represents a premium of 44 percent to that price. You can see that the deal has been in the works for some time now. Further research shows they expect the deal to close by ""the end of 2017"". It's not a done deal. This is why the options are still trading."