vania-janet/multiturn-rag-retrieval-data huggingface dataset:
If you havent yet maxed out your ISA, then its a no-brainer. You get excellent tax rebates and its silly not to take advantage of these before considering self investing in shares.   Note that even if your ISA is maxed out, the economic turbulence means that investing in individual stocks is an intimidating place for beginners right now.  The FSA is also looking at revising the average percentages used for pension, from 7% for adventurous investments, down to 5% or 6%, so there is industry wide recognition that on average the stock market is going to be a little less lucrative than it was a few years ago. Thats not to say you cant still make a whopping profit, but the chances of you doing so as a first time investor are remote to say the least. My advice would be to look seriously into some of the social lending sites, where you can still easily get a 7% return with minimal risk. Whilst I do have a portfolio which is performing well overall (I am a very speculative investor), I am moving a lot of funds into Zopa.com, as I am averaging 7% return with a lot less time, effort and risk than the stockmarket.  Whatever you decide, I think its time you thought about consulting an IFA. They can help you understand what sort of risk you are willing to tolerate, which is a very important aspect of investing.
"When you say ""major"", I take it you're an undergrad? If so, how many years left do you have in your program? I ask because it might be worthwhile to major in math in lieu of - or in addition to - finance. It's unlikely that an undergraduate major in a business school will give you the technical skill-set necessary to do what you want. Also, if you want to do prop trading, learn as much statistics/econometrics as you can handle.   As for masters programs, I'm not really sure. MFE programs seem more aimed towards people working on the sell-side, e.g. as derivatives quants.  EDIT: I accidentally some grammar."
I would suggest you to put your money in an FD for a year, and as soon as you get paid the interest, start investing that interest in a SIP(Systematic investment plan). This is your safest option but it will not give you a lot of returns. But  I can guarantee that you will not lose your capital(Unless the economy fails as a whole, which is unlikely).  For example: - you have 500000 rupees. If you put it in a fixed deposit for 1 year, you earn 46500 in interest(At 9% compounded quarterly). With this interest you can invest Rs.3875(46500/12) every month in an SIP for 12 months and also renew your FD, so that you can keep earning that interest.So at the end of 10 years, you will have 5 lacs in your FD and Rs. 4,18,500 in your SIP(Good funds usually make 13-16 % a year). Assuming your fund gives you 14%, you make: -  1.) 46500 at 14% for 9 years - 1,51,215 2.)8 years - 1,32,645 3.) 7 years - 1,16,355 4.) 6 years - 1,02,066 5.) 5 years - 89,531 6.) 4 years - 78,536 7.) 3 years - 68891 8.) 2 years 60,431 9.) 1 year - 53010 Total Maturity Value on SIP = Rs, 8,52,680 Principal on FD =      Rs 5,00,000 Interest earned on 10th year = Rs. 46,500 Total = Rs. 13,99,180(14 lacs). Please note: - Interest rates and rate of return on funds may vary. This figure can only be assumed if these rates stay the same.:). Cheers!
I use paycheckcity.com and first punch in my paycheck and make sure it calculates within a few pennies the value of my actual paycheck. Then I fiddle with withholding values, etc. to see the effect of change.  It has been very effective for me over the years.
I've never had a problem with connection or speed. But they have given me the run around since the start.   Signed up for just Internet at the beginning. They told me to try Prism TV. If I don't like it, I can cancel it within 30 days and get my money back. Canceled within 2 weeks. Still got charged for the TV.   It's been an on going battle. Let's see if this month's bill is finally correct. It's been 5 months now.
According to this site: You can apply for German benefits at any U.S. Social Security office by completing application form SSA-2490.  So have a look at this form and collect everything you need. But this site also says that you need to have at least 5 years of pay.   Worker-Male or female-Benefits payable at: age 65 with 5 years of coverage... I have found the info of 5 years minimum also elsewhere. So I guess you do not get any money from the Rentenversicherung (i.e. from the normal job) and I doubt that they will change that in the future. You may receive some money from your time as a Beamter and after 5 years as a Beamter it would be quite some money. But on some other site it has the 5 year figure also for the Pension: Die Pension wird für Beamte und Richter nur dann gezahlt, wenn diese mindestens fünf Jahre im Dienst aktiv tätig waren.  They have also numbers to call on the first site, so you may ask them.
Nearly 3 years ago, I wrote an article, Betting on Apple at 9 to 2 which described a bet in which a 35% move in the stock returned 354% on the option trade. Leverage works both ways, no move, or a slight move down, and the bet would have been lost. While I find this to be entertaining, I don't call it investing.  With $2-$3K, I recommend paper trading first, and if you enter option trades, no one trade should be more than 20% of this money. If you had $50K in betting money, no position over 10%.
One of the things I found most interesting is while the national average is 7.45 years, Texas fell in the best position at 5.68 years while Hawaii fell in the worst spot at an average of 10.10 years to pay off their debts. What causes such a huge discrepancy within the same country. I realize cost of living can vary drastically even from city to city but we're talking a difference of nearly 4.5 years here.
There is the opportunity cost.  Let's say it cost you $1000 to buy 0.25% discount. Over N number of years that saves you let's say $2000 thus your profit is $1000. What if you took that $1000 and invested it? Would you have more than $2000 after N number of  years? Obviously answering this question is not easy but you can make some educated guesses. For example, you can compare the return you'll likely get from investing in CD or treasury bond. A bit more risky is to invest in the stock market but an index fund should be fairly safe and you can easily find the average return over 5 - 10 year period.  For example, if your loan is $200,000 at 0.25% per year you'll get $500 in savings. Over 10 years that's $5000 - $1000 to buy the point, you end up with $4000.  Using the calculator on this site, I calculated that if you invested in the Dow Jones industrial average between 2007 and 2017  you total return would have been 111% (assuming dividends are reinvested) or you would've had a total of $2110.  I'm not sure how accurate those numbers are but it seems likely that buying points is a pretty good investment if you stay in the house for 10 years or more.
"When my wife was ripped off by a locksmith (charged $60 initially and then added a $250 ""fish out fee"" after the work was done), we went to the BBB. We tried to talk to the locksmith, but he would hang up everytime he found out it was me on the phone. We had a few exchanges with the locksmith on the BBB website and after some back-and-forth, we went to arbitration. I got the $250 back and never would have even been able to communicate with this jackass if they weren't BBB accredited.  I know Reddit hates the BBB, but they are a handy resource when you get screwed over. Even if things don't go your way, it at least gives you an opportunity to communicate when the business is ignoring you."
I USA er mennesker som lever med psykiske eller fysiske funksjonshemminger som hindrer dem i å jobbe hos alle kvalifisert for Social Security Funksjonshemming Forsikring (SSDI) fordeler. Beløpet varierer, men for legevakt personell, gjennomsnittlig årlig betalingen er ca $30.000 til $ 50 000 i tillegg til sine månedlige pensjon pensjoner. Selvfølgelig, er funksjonshemming svindel ikke begrenset til USA Ifølge forskning fra Sun Life finansielle er over 5 milliarder dollar tapt for forsikrings svindel i Canada hvert år. Hjørnesteinen forsikring meglere Ltd setter dette beløpet på $3 milliarder og sier at forsikring svindel er direkte ansvarlig for en 10 til 15% økning i premie, så alle betaler prisen. I Canada, fordeler svindel tar vanligvis i to former: falske krav for medisinske tjenester og funksjonshemming svindel rettet mot arbeidsgiver-sponset og arbeidernes kompensasjonsfordeler. Generelt er falske påstander utstyrt med følgende egenskaper: -Krav ikke utført. -Leverandører utfører tjenester utenfor omfanget av praksis eller lisensiering (for eksempel det har nylig vært tilfeller av utøvere gir Botox injeksjoner med materialer Hentet fra andre land). -Ulisensiert enkeltpersoner utfører forsikringsverdien. -Behandling tilbys utover det som er nødvendig for forsikrede pasienten. -Det er kickbacks eller ulovlig henvisning betalinger.
$15 - $5 = $10 How did you possibly buy a put for less than the intrinsic value of the option, at $8.25 So we can infer that you would have had to get this put when the stock price was AT LEAST $6.75, but given the 3 months of theta left, it was likely above $7 The value of the put if the price of the underlying asset (the stock ABC) meandered between $5 - $7 would be somewhere between $10 - $8 at expiration. So you don't really stand to lose much in this scenario, and can make a decent gain in this scenario. I mean decent if you were trading stocks and were trying to beat the S&P or keep up with Warren Buffett, but a pretty poor gain since you are trading options! If the stock moves above $7 this is where the put starts to substantially lose value.
You can register a limited company and leave it dormant, that's no problem. You just need to make sure that later on you notify HMRC within 3 months of any trading activity. As pointed out, you can register a company in a few hours now so I wouldn't worry about that. Your confusion about Private Limited Companies is understandable, it's often not made clear but UK formation services standard packages are always Private Limited by Shares companies. Limited by Guarantee is something else, and normally used by charities or non-profits only. See explanations here. Registering for VAT is optional until you reach the £81,000 turnover threshold but it can make your services more attractive to large companies - especially in your field of business. You should really seek professional advice on whether or not this is the best option for you.
This is exactly how I feel. I've been doing contract design for the last 5 years. I've made an OK salary, not quite as much as I could in the corporate world. But I don't have any one to answer to but myself, which means more to me than the extra money I could be making.
*sigh*  When is the last time you looked for a job? I've been employed literally non-stop since I was 15, usually with 2 or more employers, so I expect no government handout. But the job market is really *that bad.*   I got lucky last year, in that one week out of college I found a job. Three days later I realized I hated it, so I started sending out resumes. I averaged 5 a week. Over the course of the next year, I received 5 replies and 2 interviews after sending out my resume **over 250 times**. The first reply took 6 months. I stayed at that same job, hating it every single day for a year, because I had no other option. I received one reply for a job that I was perfectly qualified for (I know because I interned at another office doing the exact thing) and they told me I wasn't qualified.   What if I had been laid off during that time? Remember, it took 6 months before I even got a *reply*. I would have been screwed.   **TL; DR: Living off of the government is not, by default, because you are lazy.**
make assume should be make assumptions*. I feel like there are other reasons that the 5% in year 2 could have cost less than the 5% in year 1 besides a falling stock price (this is what I'm trying to figure out).   In your opinion, how do you think the investment is performing.
"I did a quick search, they have a $2B/5yr deal with google cloud.   Downside is Google is a competitor potentially, especially in the ad market.  Upside is SNAP revenue increased from $58M in 2015 to just over $404M in 2016.  I think in today's market, everyone wants to hold the next ""Amazon"" or ""Google"" stocks at their conception. Sure would be nice if you had a few thousand in Amazon at their IPO. So I think pure speculation is why they were trading above IPO price for so long. It could be the next biggest thing, or it could fail in 5 years we never know these things lol"
"I started with lending club about a year ago.  I love it.  It has been insightful.  Off topic, but I am in a loan to a guy who make 120K a year and is regularly late and has a pretty high interest rate.  Crazy. You gain some economies of scale by going with a bigger note.  I have $100 notes that I get hit for 2 or 3 cents for a fee, where $25 notes are always a penny.  However, I don't think that should be your deciding factor. I scale my note purchases based on how much I like the status of the borrower.  For example, I did $100 (which is currently my max) for a guy with a reasonable loan amount 16K, a stable work history (15+ years), a great credit history, and a great interest rate (16.9%).  If one of those things were a bit out of ""whack"".  I might go $50, two $25.   I prefer 36 month notes, really 5 years to get out of debt?  It is unlikely to happen IMHO. Keep in mind that if you invest $100 in a loan, then you get one $100 note.  You can't break them up into 4 $25 notes.  For that reason, if you are likely to want to sell the note prematurely, keep it at $25.  The market is greater.   I've had a lot of success using the trading account, buying further discounted notes for people who want out of lending club, or get spooked by a couple of late payments and a change in billing date.   Another advantage of using the trading account is you start earning interest day 1.  I've had new notes take a couple of weeks to go through.   To summarize: There are some other things, but that is the main stuff I look at."
I don't care what politicians think.  If you opened it to the free market you would have farmers out of business in less than 5 years time and a food shortage then or before.  That would lead to dead people.
You 5 downvoters are literally the first people I've ever heard that are ostensibly pro high frequency trading.   I still haven't heard a convincing argument that it's anything more than a parasite on the trading economy.    Premise 1.  High frequency traders earn billions of dollars.  Premise 2.   No goods or valuable services are produced.  Where am I wrong?  What is valuable about having a computer trade fractions of ownership of a company back and forth thousands of times a second?
One point that I don't see covered in the other answers yet: How does this affect the months that have 5 weeks. Do we actually lose two weeks a year? I get paid every two weeks, and pay day is always a Friday.  Some months, I get paid 3 times - which is always great.  If you live within your means, it's like an extra paycheck.  All other months, I get paid two times.  How many months a year do I get paid 3 times? 2.  It will always be two, because there are 12 months.  If you get paid twice a month, that's 24 pay checks, which is 2 shy of 26 pay checks - what we would expect if we were paid every two weeks.  That means those 2 extra pay checks need to fall somewhere, and they will be on the months where your pay day is hit 5 times.  For example, in 2014, there are 4 months with 5 Fridays: Jan May Aug Oct  I got paid the second Friday of January, so I only got 2 checks in January.  I will be paid on the first Friday of May, which means I will get 3 checks in May.  My other triple-check month this year is October, so of course I am only going to be paid twice in August.
As with any business, there's a huge learning curve. Rich Dad gives you the fundamentals.. which are sound.. you then need to spend time getting the nitty gritty details of the business ... be it real estate, stock investing etc.  Kiyosaki is a wealthy man... I've listened to some of his podcasts and he know what he's talking about.. AND.. he's been in the business for 20+ years.
"See comment on how ""self made"" bill gates is, and he's probably legitimately one of the more self made people to make that list. ""Self"" made people come from very wealthy families. If I give you a loan of a million bucks to make a company and financially support you for two years while you wait for the business to make money you're still ""self made"". Just view how they calculate it. It's horse shit"
Most investors vote with their wallets. I expect ZERO glitches from a trading platform. If someone was actually causing trades to fail maliciously, their reputation would immediately suffer and their business would dry up over night.  You can't just play dumb and not respond to a button click. I can watch and replay the traffic I'm sending out to their server and see if they are responding to verify this. If their system goes down and has no redundancy, that is their fault and opens them to lawsuits. No trading platform could withstand scrutiny from its users if it was dishonest in the scenario you imagine.
Edit3: Regarding the usefulness of the bare number itself, it is not useful unless, for example, an employer uses that average in the computation of how many options the employer grants to the employee as part of the compensation paid. One of my employers used just such an average. What is far more common is to use two or more moving averages, of different periods, plotted on a chart.  My original response continues below... Assuming there are 252 trading days a year, the following chart does what you have done but with a moving average: AAPL on Stockcharts.com  Edit: BTW, I looked up the number of Federal holidays, there are 9. The average year has 365.2422 days. 365.2422 × 5/7 = 260.8873. Subtract 9 and you get 251.8873 trading days in the average year. So 252 is a better number for the SMA than 250 if you want to average a year.  Edit2: Here is the same chart with more than one average included: AAPL chart w/indicators
I don't have a business relationship with Hire.Bid, I just use it to get extra money whenever I am free, so I thought I could share it in the case someone else is interested. If you know any other app like this, feel free to share it, maybe I can use it too.  For GiftBac, I wanted to find out if anyone used it before and let me know if it is trustable. About PinkApp, I wanted to know people's thoughts about it to see if it was worth investing in. For now, I am looking for more ways to make money.
I trade futures. No FX or equities though. It is my only source of income, and has been for about 5 years now.   Equities and FX, to me, seems like more of a gamble than Vegas. I don't know how people do it.
"&gt; How did you make the transition up the ""ladder"" thus far?  I applied online for jobs that were above and beyond what I was currently doing and did well enough in the interviews to get hired. For my current position, I found the hiring manager online and emailed him directly to tell him I was the person he was looking for. But I don't think that approach will get me any further.    &gt;How is your LinkedIn connection with executive recruiters?  I don't have one. I know that's an important next step but I'm not sure how to do it. Do I just email a bunch and introduce myself? I expect to be in my current position for at least 2 more years (realistically 4) and I would like to start cultivating the relationships but I'm not sure what to do.   I think that getting on some boards would be a similar step but again I'm not sure how.   &gt;Would you be willing to take a salary cut for a title change?  Within reason. Maybe 10%.   &gt;Does your college have a program for networking with alumni?  Probably. I have a pair of Masters' Degrees in my field from a top-25 program. The issue is that the alumni I network with would need to be executives and they're harder to engage."
I've never needed body parts in the 7 years I've owned it, so I don't know.  But mechanical parts are the same as any other car; nearly all are available within a few days at most, but for the rare parts that have to be special-ordered from Germany, up to 2 weeks.
CFD's are highly speculative so they should represent a very small proportion of your asset allocation(4% or less). If you need the 100 for food or rent then definitely not.  However if you have some money spare that you could afford to lose(you will definitely need more than 100) and you are prepared to put the time and effort it to learn and manage your risks carefully then there is no reason why you shouldn't try it.  I would advise against trading on a demo account for learning. Most of what you need to learn is how to stick to your plan while under emotional pressure. I also wouldn't call it gambling but managing risk. The best traders only win half of their trades so they might have a losing streak of 5, 10 or 20 trades. If they are trading 5% of their capital with each trade then poof they're out. Their winning trades might make 10-100 times the amount risked so they know that it is more profitable to always only risk around 1%. Sticking to that requires discipline.   This page has a pretty comprehensive introduction: http://cfdtradingo.com/what-is-cfd-trading/
This may sound a little crazy but I would take $5K of that money and buy whiskey with it (Jack Daniel's would be my preference). My guess is that in 5 years that whiskey will be worth more than the $10K you put in the bank.  I just can't see how the dollar survives the next 5 years without a major downward adjustment. If I'm wrong then you have a nice party and give whiskey for Christmas gifts. If I'm right at least you will have some savings instead of $15K of useless dollars. Here is my justification for converting your US dollars into tangible assets.  Do you really think the money printing will ever stop?
I am not sure why this gets downvoted.  First, the quality of education in bottom 90% of the schools is downright atrocious. I am interviewing engineering grads - often PhDs who can't tell the formula for the surface area of a sphere - AND CANNOT DERIVE IT!  Second, sorry, but paying $250k for a degree in something that pays $30k a year just does not make sense. You can invest this $250 into medium risk paper and together with a trade salary get much more money.
Honestly, I got to say this. It's based on your knowledge and how you portray yourself.   My friend is a finance major and doesn't know jack shit.   All these people discussing what is a good major etc. How about you wow these people with your resume of experiences that show you know your stuff whether its in economics or finance?   My econ degree allowed me to take a lot of finance classes and that's what I did. I geared my degree to classes that circled around investing. No investment classes were offered IMO so I just independently studied that on my own and took all the academic spheres and applied it to the real world.   Even business classes. Why not start your own small business somehow? That's way better experience than the project management class I took where we fucking had a final project to see who could build the biggest marsh mellow tower with sticks in a team. I got a B in that class because I will admit I really didn't put time into it as I saw it as bullshit. I did however, double my parent's family business by using lessons learned from academics.   So which is better? Its all good IMO, but what your capacity is what I would be more interested in as a employer which you can show through you experience.
Same here... No fast food chain has any product that competes with a spicy chicken sandwich. I like McDonalds but god damn that chick fil a is just too fucking good. There was just a post here the other day about how they will be a top 5 chain in the next 5 years.