vania-janet/multiturn-rag-retrieval-data huggingface dataset:
The International Baccalaureate (IB) offers high quality programmes of international education to a worldwide community of schools. There are more than 890,000 IB students at 3,108 schools in 140 countries. The IB programme is more practical, having a broader spectrum of subjects that lead to all-round development. The focus is on ‘how to learn’ rather than ‘what to learn’.Home Tuition Classes in Mumbai. Om tuition Private Home Tutors in Mumbai learn more than a collection of facts. The Diploma Programme prepares students for university and encourages them to:Home Tuition Classes in Mumbai. Requires breadth and depth of study, helping students to adopt different learning methods.Private Home Tutors in Mumbai Opportunities to study topics of varied interest Assessment process facilitates continuous learning Encourages students to participate in extra-curricular activities Prepares students well for tertiary study Home Tuition Classes in Mumbai. Why Choose OM Academy We IGCSE Home Tuition Classes in Navi Mumbai-OM Academy completely believe in balance approach to excel in exams. Hence we provide the academic and non-academic courses to enhance the ability of the students to perform better in the real life challengesPrivate Home Tutors in Mumbai.
I am in Australia, but I think the banks in the UK would use similar wrkings. Your options 1 and 2 are basically no. Why would the bank consider your wife to be paying you rent when you live together. These are the type of practices that led to the GFC, and since then practices have been tightened. Regarding option 3, yes banks do take into consideration rent in their analysis of your loan. However, they would not include the full rent in their calculations, but about 70% to 75% of the full rent. This allows for loss of rent during vacant periods and adds a safety factor in their caluclations. But they will not include the rent itself, you would have to have other income as well to support your loan. Saying that, we do have Low Doc Loans in Australia (loans with little documentation required to get a loan). With these loans you basically have to make a declaration that you are telling the truth regarding your income sources and you can only usually borrow a lower LVR as these loans are seen as a bigger risk. These type of loans have also been tightened up since the GFC.
argument against (in a way) 1.)bad effectiveness of US corps which tend to be international. they want you to be available 24 hours a day. 2.)bad health care - UN and international orgs rate USA as lowest in industrialized nations. Telling the bosss you are sick is often a DEATH BLOW. Some DIABETICS AND OBESE (see the obesity epidemic in USA) are just slow but steady performers. So, they spend a fair amount of UNPAID overtime. 3.) 4.)much of the job training is bad and sometimes COUNTERPRODUCTIVE. so, see need to LEARN ON THE JOB. 5.)by international standards, health care is the worst of the industrialized nations. Letting your boss know about your REAL ILLNESS is often a DEATH BLOW. Moving from job to job is a real HASSLE as to health or medical coverage. So, the boss requires overtime and THE RUSSIANS SAY THE TRUTH: They pretend to pay us and we pretend to work. 8.)in many cases, it is better to work and produce what I call anti-work. Obfuscated code and ties into multiple classes. comments that tend to be re-phrasing of the previous, or that is to be specific, in the the possiblilities that are the latter or correction ...the former.... n to n mappings of such code that includes arrive at (go to code) or go to there and go back (circular)...?? 10.)it is not the overtime or the business necessity. The bosses' boss is often playing on the golf course at the club. Yes, my friends know THE BARTENDER and he is a first person witness. It is the control from the culture of the USA - founded in part on slavery as economics?? President Jefferson not enough to work the slaves to death, but to SCREW or female relations with the female slaves. 14.)more are run by MBA and accountants. IT DOES NOT MATTER - that was the title by Harvard Profess Nick Carr. Info Tech and good programming skillsets are WORTHLESS.
- What are you talking about? The rules are regulations are setup as needed. If you give a concrete e.g. maybe if you give a concrete example of where the govt is in the way I can understand. (rules and regulations are not examples of govt. in the way in itself. It would be if say you need to do something but you need to petition the govt. first for something and there's tons of bureaucracy or or something. Else, govt just set the rules such as Stop at Red Light etc. Govt is not in the way here. - The rest of your comments are on same line, so this one bullet is enough. Again, you're just accusing generally with no specifics. And I'm not naive. This is real and my opinion. Govt. sets new rules as needed as a response to something, not because people in the govt. who change every few years feel so. You're talking about changing people in govt. all adhering to the same laws because it makes sense to keep it and if not, it gets repealed. Govt. is not one same set of people always present from your birth to death. Govt. keeps changing. Govt. does care about fairness and HFT's existing is proof that govt. lets free market and private business start things as it pleases till such time as it stops being fair for all. - Govt. is not really an inhibitor to free market. Govt. actually has no impedance to free market because it allows a fair and balanced free market unlike what you're referring to which is a free market with no rules like the Wild Wild West. We had that free market before and over time people went from unregulated markets to more regulated markets because it is for our own good. Govt. is just people who agreed with it, joined the govt and made it so and others agreed. If we don't agree in future, it can be changed. - There is a term as regulated free market. Unregulated free market will lead to snakeoil salesmen and generally a backwards movement to the wild west again.
First of all I recommend reading this short e-book that is aimed at young investors. The book is written for American investors but they same rules apply with different terms (e.g. the equivalent tax-free savings wrappers are called ISAs in the UK). If you don't anticipate needing the money any time soon then your best bet is likely a stocks and share ISA in an aggressive portfolio of assets. You are probably better off with an even more aggressive asset allocation than the one in the book, e.g. 0-15% bond funds 85-100% equity funds. In the long term, this will generate the most income. For an up-to-date table of brokers I recommend Monevator. If you are planning to use the money as a deposit on a mortgage then your best bet might be a Help to Buy ISA, you'll have to shop around for the best deals. If you would rather have something more liquid that you can draw into to cover expenses while at school, you can either go for a more conservative ISA (100% bond funds or even a cash ISA) or try to find a savings account with a comparable interest rate.
However, is it a risk that they may withhold liquidity in a market panic crash to protect their own capital?  Two cases exist here. One is if you access the direct market, then they cannot. Secondly if you are trading in the internal market created by them, yes they can do to save their behind, but that is open to question. They don't make money on your profit or loss, their money comes from you trading. So as long as you maintain the required margin in your accounts, you can go ahead. I had a mail exchange with IG Index regarding this and they categorically refuted on this point. Will their clients be unable to sell at a fair market price in a panic crash? No. Also, do CFD providers sometimes make an occasional downward spike to cream off their clients' cut-loss order?  Need proof regarding this, not saying it cannot happen. They wouldn't antagonize the people bringing them business without any reason. They would be putting their money at risk. But you should know, their traders are also in the market. Which might look skimming your money, it would be their traders making money in the free market. After all Google, Facebook etc also sell your personal data for profit, why shouldn't the CFD firm also. Since they are market makers, what is to prevent them from attempting these tricks? Are these concerns also valid for forex brokers serving the retail public? What you consider as tricks are legitimate use of information to make money.
If you own 100% of the shares of a company, then you own those shares personally.  They are not owned by the company.  If you sell 50% of you shares to a third party, then you receive the proceeds of the sale, not the company.  In this case, the company's net equity is unchanged but you have exchanged 50% of your equity for cash. If you wish the company to receive the proceeds of the sale of shares, then you would have the company issue new shares in the company.  In this case, your company's net equity would increase by the cash amount received and your personal equity would change accordingly. EDIT In order to fairly sell 50% of equity by issuing new shares it would be necessary for the new investor to invest 50K.  This is because the new equity would be the original 50K of equity plus the cash received for new shares.  Thus : cost of 50% of equity = 50% of (50K + cash recieved) = cash received. Solving for cash received gives 50K, so that is the correct amount to charge the new investor.
First, I don't think your parents are ripping you off, but you should get your agreement in writing. The fact that you never own more than 25% doesn't matter. If the condo's value is increasing, you are in fact building equity. Your share of the equity just doesn't increase, but it doesn't decrease either. For example, if the condo is worth $300,000 now, you have $75,000 in equity. Of course if the value is decreasing, so is your equity. If you are paying $500/month in interest (as OP clarified above), and you don't have a written agreement, you are probably unable to claim that payment as mortgage interest if you itemize your deductions on U.S. federal or state tax returns, thus you may be losing out on a legal tax deduction (assuming you earn enough to itemize). They will need to give you each year the proper IRS form for mortgage interest (Form 1098). And, they have to claim the $500/month as interest income on their tax returns. Having a written and signed contract eliminates confusion and potential for heartbreaking misunderstanding the future--and it sounds like you are already experiencing some doubt and confusion now. Your rate seems within market rates for an interest-only loan. Let's say you wanted to buy out your parents' share of the condo right now. Would you pay $115,000 or would you have to get an appraisal to find out what the condo is worth now? If you can't answer that question, you need to get that in writing so that you won't have an argument over it someday. If the condo has appreciated significantly and all you have to pay is the $115,000, then that's a sweet deal for you, because you'd be buying out a much more valuable property for much less than it's worth. If that is the agreement, and the property is appreciating (no guarantee, especially with condos), then you are essentially building equity.
You could of course request payment in EUR or USD, maybe keep a PayPal account and just leave the funds in PayPal unless you need to withdraw the money in local currency? Either currency would be fine because the problem you are trying to overcome is the instability in the ruble. EUR and USD both accomplish that. If you can get local clients to pay in EUR or USD (again, PayPal seems like an easy way to accomplish that) you avoid the ruble, but at the risk that your services become more expensive to local clients because they have to convert a weaker currency to a stronger one. You should also solicit some international clients! You are obviously perfectly fluent in English and that's a significant advantage. And they'll be happy to pay in dollars and euros.
"I honestly think lowering the corporate tax rate and allowing money to be brought back into the US are both good for the ""average american"". I also think his main point is regarding the post 08 rules regarding mortgages and business loans being unnecessarily burdensome and restrictive, which has limited the amount of capital he's able to give those same people. Mind you, this is coming from the guy who didn't take advantage of the ""too loose"" regulations as well, so I can understand where he's coming from."
"I agree with the basic purpose of an HOA. Unlike the poster above Jay, I do believe that people painting their houses purple will definitely affect the value of my house or property. I for one would not want to live next to someone who has a wild purple house, even though it is his right to do so. In saying that I know that there are very few people who would want to buy my house were it situated next to the ""purple house"". So in the sense of limiting known eyesores I agree with the purpose of HOA's. That being said, I do not agree with the fact that HOA's are not regulated and that its rules are formed by community members who may be very strict on what or what isn't allowed. If it were simple rules like not painting the house disturbing colors (we all know what they are) or not having junk cars  or loud music after a certain time (except on holidays or special calendar days like New Years etc."
Gone are the days when in India, the fuel price was revised on every fortnight. Many times you would have filled up the tank one day before to save few bucks. Now, from 16th June 2017 onwards, Government has decided to revise the daily fuel price at 6 AM according to the international crude oil and dollar prices with respect to rupee value. The notion behind taking this step was just to remove the big leap in fuel rates and also a government initiative to maintain the demand and supply situation in equilibrium.
Across the EU, close to half a million people are in jobs that service the asset management industry. &gt; All of the above is a worst-case interpretation of a non-binding document. Eyes are now turning to the European Commission, which is due next January to review the AIFMD, a directive that covers “alternative” asset managers such as hedge funds. &gt; It may also review the directive on Ucits — the rules on mutual funds based in the EU. Even if the commission did decide the delegation rules should be tightened, any changes would need to go through the full EU process at the European Parliament and European Council. Fund experts believe Ireland and Luxembourg, which have prospered as global administration hubs for the industry thanks to the current rules, would reject calls for change, no matter how hard France pushes. &gt; Such optimism may prove justified, but in the meantime another Brexit risk for London has appeared on the horizon.
It depends on:  In Canada, Ontario, Manitoba, Alberta and Nova Scotia have each enacted legislation to stop gift cards/certificates from expiring. Cards issued before the effective date are still subject to the old rules.  The legislation came into effect: There are several common themes: There are still some unusual exemptions such as mall gift cards in Ontario, Manitoba: Ontario is the first jurisdiction in   Canada to regulate gift cards. [...] Mall cards (e.g. Eaton Centre gift   card) will be covered by the expiry   date ban and the new disclosure rules.   However, these cards can temporarily   maintain their current fee structure   while the provincial government   examines options on how to best   regulate these types of cards. This   will allow more time to develop an   approach that strikes the right   balance for consumers and businesses. For specific details see the appropriate link.
The problem I have with gold is that it's only worth what someone will pay you for it. To a degree that's true with any equity, but with a company there are other capital resources etc that provide a base value for the company, and generally a business model that generates income. Gold just sits there. it doesn't make products, it doesn't perform services, you can't eat it, and the main people making money off of it are the folks charging a not insubstantial commission to sell it to you, or buy it back. Sure it's used in small quantities for things like plating electrical contacts, dental work, shielding etc. But Industrial uses account for only 10% of consumption. Mostly it's just hoarded, either in the form of Jewelry (50%) or 'investment' (bullion/coins) 40%. Its value derives largely from rarity and other than the last few years, there's no track record of steady growth over time like the stock market or real-estate. Just look at what gold prices did between 10 to 30 years ago, I'm not sure it came anywhere near close to keeping pace with inflation during that time. If you look at the chart, you see a steady price until the US went off the gold standard in 1971, and rules regarding ownership and trading of gold were relaxed. There was a brief run up for a few years after that as the market 'found its level' as it were, and you really need to look from about 74 forward (which it experienced its first 'test' and demonstration of a 'supporting' price around 400/oz inflation adjusted. Then the price fluctuated largely between 800 to 400 per ounce (adjusted for inflation) for the next 30 years. (Other than a brief sympathetic 'Silver Tuesday' spike due to the Hunt Brothers manipulation of silver prices in 1980.) Not sure if there is any causality, but it is interesting to note that the recent 'runup' in price starts in 2000 at almost the same time the last country (the Swiss) went off the 'gold standard' and gold was no longer tied to any currency (or vise versa) If you bought in '75 as a hedge against inflation, you were DOWN, as much as 50% during much of the next 33 years.
You could use paypal to transfer money. You can pay with paypal and your UK contact could transfer the money to his bank account through paypal. I just received money this way from the US and paid 9 EUR for this. Receiving the funds is as quickly as clicking a button on the paypal site. Transfering it (without costs) took 1-3 days). It is by far the easiest way. If you are uncomfortable using paypal, the other option would be through your own bank account, where you would transfer using IBAN/SWIFT. The SWIFT bank account is usually the IBAN code plus a branch code. Often it is difficult to find the branch code, in that case you can use the IBAN+XXX. In the latter things might be delayed, but I actually haven't noticed the delay yet, since international transfer always seem to take between 1 and 10 days. The international transfering of money costs, except if it is within the EU region. The way to transfer money through Internet banking differs, from bank to bank. They keywords you need to look for are: SEPA, SWIFT, IBAN or international transfer.
There's an interesting idea. Everyone gets one patent: The secret sauce of their business, whatever that may be.  So if Amazon wants to have protection for one-click in the product they offer, they cannot claim patent violations on anything else that they may want to have a stake in.
"An international Outlook (in this case Sweden in European Union). According to laws and regulations large cash transactions are considered conspicuous. The law makers might have reasoned is that cash transactions can be used in as example: - financing terrorism - avoiding taxes - buying or selling illegal goods such as drugs or stolen items - general illegal transactions such as paying bribes Starting there, all banks (at least in Europe) are required to report all suspicious transactions to the relevant authorities (in Sweden it is Finanspolisen, roughly the Financial Police). This is regardless of how the transactions are performed, in cash or otherwise. In order to monitor this all banks in Sweden are required to ""know the customers"", as example where does money come from and go to in general. In addition special software monitors all transactions and flags suspicious patterns for further investigation and possibly notification of the police. So, at least in Sweden: there is no need to get permission from the FBI to withdraw cash. You will however be required to describe the usage of the Money and your description will be kept and possibly sent to the Financial police. The purpose is not to hinder legitimate transactions, but to Catch illegal activities."
"Fighting poverty is akin to ""fighting drug use"".  No matter how much money is raised via taxation there will always be a bottom percentile of individuals who are not ""wealthy"" in relation to others above them in society and especially Bill Gates.   If he really wants to make a difference then he should support rational and reasonable economic propositions which raises the standard of living and lowers the cost of living, but I suspect that would not bring him any sort of feel good press as his ""Tax the rich, give to the poor"" proposals."
I think you are asking a few questions here. Why is gold chosen as money? In a free market there are five characteristics of a good money: Gold and silver meet all five characteristics.  Diamonds are not easily divisible which is why they are not normally used as money.  Copper, Iron, and lead are not scarce enough - you would need a lot of these metals to make weekly or daily purchases.  Paper is also way too plentiful to be used as money. By the way, historically silver has been used for money more than gold. How does international trade work with gold as money (is this what you are asking with your hypothetical example of 10 countries each with y amount of gold?) Typically a government will issue a currency that is backed by gold.  This means you can redeem your currency for actual gold.  Then when an American spends 5 US dollars (USD) to purchase a Chinese good the Chinese man now owns 5 USDs.  The Chinese man can either redeem the 5 USD for gold or spend the 5 USD in the US.  If a government issues more currency then they have gold for then the gold will start to flow from that country to other countries as the citizens of the other countries redeem the over-issued currency for gold.  This outflow of gold restricts governments from over-issuing paper currency. Who creates the procedures and who supervises them in modern worldwide economy? The Federal Reserve, IMF, and Bank of International Settlements all are involved in the current system where the US dollar (see Bretton Woods agreement) is the reserve currency used by central banks throughout the world.  Some think this system is coming to an end.  I tend to agree.
I think it's just a sign that they are trying to get echoes into all the homes of their target demographic that don't yet have one (i.e., trendy influencers and people with money).  Get them into the homes, and those people will start using them.  To buy things.  Once they have more data regarding what those people want, they'll know what to stock in their new whole foods store-cum-warehouses, ready to deploy in one-hour Prime Now deliveries.
Too expand on /u/stoneeus, mortgage rates were/are also heavily influenced by the FED QE program, which holds about $4.5T in mortgage-backed securities and treasuries on the FED's balance sheet. The FED has been holding this balance steady since it ended the QE program a couple years ago, purchasing new securities as old ones mature. However, the FED has started signalling that they are going to end these purchases and let their portfolio wind down. Once that happens, you'll start to see mortgage rates rise.
"Uncertainty has very far reaching effects.   Oil is up ~100% since February and down ~40% from it's 52 week high (and down even more on a longer timeline).  It's not exactly a stable investment vehicle and moves a few percent each day on basically nothing.  A lot of securities will be bouncing around for the next couple weeks at least while folks remain uncertain about what the ""brexit"" will actually mean."