vania-janet/multiturn-rag-retrieval-data huggingface dataset:
&gt; Why not take out some loans? If you can get into a good school and get a good job, its worth it.  I already have about $20k in student debt, and know I'll be adding more. The big issue is living expenses. I have a son and I know if I moved without him, my husband would use the chance to file for divorce and full custody under abandonment, but I don't see a way of doing school, working, and caring for him properly (he is smart as hell, but has autism and some other issues, so he needs counseling and extra support).   I had a scholarship offer at Duke (in state &amp; some ties to the school from a program they have to recruit middle- and high-school students and send us to summer camps) for undergrad and he started the whole divorce threat and just generally freaking out, so I had to turn it down.  &gt; Psychiatric Nurse Practitioner or possibly a Physician's Assistant. &gt; Both good options. &gt; I wish you luck :)  Thanks.   These seem like the best for what I'm passionate about, and most easy for finishing school without a huge amount of loans. I'm thinking local ADN program to get my RN, then online courses to bridge it over into a BSN, and hopefully find a hospital that will help pay for the NP. Otherwise, if I can continue getting in shape, I'm strongly considering the military as an option to pay for it. They have a program where you commission as an officer, with that salary, and they cover school.
I agree to an extent. You make good points.  I'm still not at a state where I would trust our incompetent government to efficiency allocate and run a healthcare system sponsored by taxpayers or users. I assume each European nation has its own plan or system. To extrapolate such over a country with a population and sprawl of the U.S. seems much more difficult.  To be honest, I'm at a loss of how to solve the problem. Fighting the population bubble, global sluggishness, corruption, government waste, and populace inequality has really forced me out of politics.   Sorry for the demoralized response, but I cannot say you are right or wrong at this point. And frankly, I'm starting to realize it doesn't matter.
And yes it is possible, you can earn that waiting tables and if you can find a part time programming gig you can make a lot more then that. Consider working as a TA and wait tables until you find that first programming gig. I am just about done with my undergraduate degree, and will be starting graduate school at the same university next semester. To me this is a recipe for failure in most cases. You have expended all your financing options to date and are planning to go backwards even more. Why not get out of school with your BS, and go to work? You can save up some of your MS tuition and most companies will provide tuition reimbursement. Computer Science/Software Engineering can be a fickle market. Right now things are going crazy and times are really good. However that was not always the case during my career and unlikely for yours. For example, Just this year I bypassed my highest rate of pay that occurred in 2003. I was out of work most of 2004, and for part of 2005 I actually made less then when I was working while in college. In 2009 my company cut our salaries by 5%, but the net cost to me was more like a 27% cut. In 2001 I worked as a contractor for a company that had a 10% reduction in full time employees, yet they kept us contractors working. Recently I talked with a recruiter about a position doing J2EE, which is what I am doing now. It required a high level security clearance which is not an easy thing to get. The rub was that it was located in a higher cost of living area and only paid about 70% of what I am making now. They required more and paid less, but such is the market. You need to learn about these things! Good luck."
That makes sense though since I live in a small town with few tech jobs available, and glassdoor is a good deciding factor when the very little that is available offer little return compared to bigger cities. I am not comfortable moving to the big city just yet since i haven't established myself in the field and competing in a big industrialized city doesn't assure that I will find a job easy peasy lemon squeezy from where I am just yet, therefore it's good to stick around and find something to build experience. I am just hoping to do it before the tech market saturates and these jobs either become scarce, or aren't very profitable anymore since public schools and community efforts offer coding classes and seminars in several cities and communities in hopes of retraining people, when this specialized skill becomes that common it might become as valuable as fast food cashiers since everyone wants to learn. I don't want to compete in a market in that state, it's all very scary (but there are several people on the internet convincing people to not go to college, I live in a town that takes this advice and I know there are several hundred more like it so I have that going for me).   Anyway, Glassdoor does effect smaller businesses that have no benefits, and just a non-standardized work cultures. Basically, it's a bit of a toss up on how you will be treated in a small company since, unlike google, don't list their terms and conditions, plus their policies on their website (if they have one and if they bother). I know big corporations might not need to worry about glassdoor reviews (unless they work in chapters rather than having a huge HQ in one place that hires thousands). I would imagine a small business has more to be afraid of when it comes to glass door brand wise.
charles phoenix lawyer Charles Phoenix is a lawyer who helps his clients work to unlock value in their assets, opportunities, and challenges by applying real estate, tax, business, contract, negotiation, litigation, restructuring, accounting, finance, and other strategies to problems in creative ways focused on their business.
1)  I can and have argued that no act can be seen as purely altruistic.  You can always find an edge where the person gains something.  2) Brownie Points?  Really?  I now think you are an ardent Republican who listens to Fox News.  Why?  Because my parents are ardent Republicans and they, too, like to talk about how “everyone else” wants brownie points and participation trophies.  I am not a Republican or a Democrat or a Libertarian.  None of those groups are trying to solve problems.  They just make loud statements.  I am just me, trying to ACTUALLY find a better way to do things.
Net worth is interesting as it can have a different number assigned depending on your intent.  The number I focus on is my total retirement account and any brokerage account. I purposely exclude the value of my house.* This tells me how much I'm able to invest. My heir would look at it a bit differently. She'd have the cash not only from the house, but from every bit of our possessions that can be sold. For my own purposes, knowing I have a piece of art that might sell for $xxx doesn't mean much, except for insurance purposes. In your case, if the coins are gold, and held for investment, count them. If they were your grandfather's and you plan to leave them to your own grandkids, I'd leave them out.  * I make this point for two reasons - as someone with an eye toward retirement, the house doesn't get included in the 4% return math that I apply to the retirement and stock accounts. Also, in our situation, even when we downsize at retirement, the move isn't likely to pull much cash out of the house, it will be a lateral move. For those who plan to move from a McMansion in the suburbs of NY or Boston to a modest home in a lower cost of living elsewhere, that difference may be very important, and should be taken into account. This is simply how we handle this.
"Im honestly trying to find your arguement for drug testing, other than ""this is my business, so its my freedom of choice"". I have no objection to that but that the large scale of what drug tests cost to business and our community as a whole is a very bad use of time and resources. The fact that most drugs are flushed out of your system in 3 days, except weed, makes the topic of medical cannabis that much more complex. My arguement is to treat drug use as mental health issue, not continuing to fuel further criminal harm to society. I understand how we test people say after a road accident, which should be a good indicator to whats harming us the most. When was the last time you saw a road sign read ""Please dont drink and smoke""? Because we all know how dangerous is to get behind the wheel and not drink, right? You nailed a bunch of points that drug tests dont really work and ultimately fuels the fake war on drugs. I could care less how you would conduct your business, especially if you respected how I handled mine, just please stop fueling the fake war on drugs."
I've tried to include the basic points offered in these articles to give you or future visitors some idea of where to start. These points may change once the Affordable Care Act is implemented, so I'll try to keep them as general as possible. Services - Above and beyond the minimum essential requirements, what services does the plan offer? Are these services a good match for you and/or your family, or do they add unnecessary cost to the premium with little or no benefit? For example, my health insurance plan offers basic dental coverage with a small co-pay, so I don't need a separate dental plan, even though my employer offers one. Choice - What doctors, clinics, hospitals, etc. are preferred providers under your plan? Do you need a referral from your primary care doctor to see a specialist, or can you find one on your own? Are the preferred providers convenient for you? In my first year of college (about five years ago), my student health insurance only covered a few hospitals that were in the suburbs and somewhat difficult for me to reach. This is something to keep in mind, depending on where you live. Costs - This is a major one, obviously. Deductibles, copays, maximum cost limits over a year or your lifetime, out-of-network costs, etc. are all variables to consider. There are other factors, but since I don't have a family, other members of the site can provide more detailed information about what to look for in family policies. In place of a dread disease policy, you're likely better off purchasing a comprehensive health insurance policy, perhaps a catastrophic coverage policy with a high deductible that will kick in once you've exhausted your standard insurance policy. However, this may be a moot point since the passage of the Affordable Care Act may significantly reduce the availability of such policies anyway."
I don't know if I ever plan to retire, and I am fine with that. However, I would like to be financially secure enough to be able to do enjoyable part-time work or freelance work instead of having to worry about maintaining a career into my golden years. I just want to keep working to keep my mind and body sharp and not be isolated from society.
You need to redomesticate it. Usually that involves filing Articles of Dissolution with your current jurisdiction of Org and Articles of Incorp or domestication with the new state. Note that there are some states that are not open to redomestication (and Cali always tends to be an oddball).  You can probably call up the Secretary of States' offices in both jurisdictions and someone will give you the heads up about what to file. Google search could help. Also a CO lawyer could probably do this for about $1k.  Another way around this might be to form a CO LLC and then merge the CA LLC into the surviving CO. In the event of both a redomestication or merger, you want to check your org docs and any and all outside contracts. Redomestication/merger can trigger change of control provisions that may open you up to penalties or termination of those contracts.   As always the best legal advice I can give on Reddit would be to find a lawyer for this.
You remind me a lot of myself as I was thinking about marriage. Luckily for me, my wife was much smarter about all this than I was. Hopefully, I can pass along some of her wisdom. Both of us feel very strongly about being financially independent and if possible we both don't want to take money from each other. In marriage, there is no more financial independence. Do not think in those terms. Life can throw so many curve balls that you will regret it. Imagine sitting down with your new bride and running through the math. She is to contribute $X to the family each month and you are to contribute $Y. Then next thing you know, 6 months later, she has cancer and has to undergo expensive and debilitating treatment. There is no way she can contribute her $X anymore. You tell her that is okay and that you understand, but the pressure weighs down on her every day because she feels like she is not meeting your expectations. Or alternatively, everything goes great with your $X, $Y plan. A few years down the road your wife is pregnant, so you revisit the plan, readjust, etc. Everything seems great. When your child is born, however, the baby has a severe physical or mental handicap. You and your wife decide that she will quit her job to raise your beautiful child. But, the whole time, in the back of her mind she can't get out of her head that she is no longer financially independent and not living up to your expectations. These stresses are not what you want in your marriage. Here is what we do in my family. Hopefully, some of this will be helpful to you. Every year my wife and I sit down and determine what our financial goals are for the year. How much do we want to be putting in retirement? How much do we want to give to charity? Do we want to take any family vacations? We set goals together on what we want to achieve with our money. There is no my money or her money, just ours. Doesn't matter where it comes from. At the beginning of every month, we create a budget in a spreadsheet.
"Ha ha ha ha ha ha ha ha ha!  Ever dealt with a scummy lawyer? A greedy real estate agent? A sketchy car mechanic?? Ever had a relative get their computer ""fixed"" by geek squad? Ever heard of a crooked cop? Did you ever elect a politician to do something... that they then didn't do? Ever have a girl turn psycho on you and accuse you of abuse? Ever seen a guy lie and cheat on his girl?   And we haven't even discussed plain old ordinary criminals that rob you with a smile as you simply try to go home one night.  Hint: people of all types routinely display poor judgement and morals. Honestly people, think about what your typing. I'm in Finance and I'll be the first to call out all the crime and BS. But stop pretending the rest of the world isn't just as corrupt."
I was born in '63 and I have not had it so good.   The 80s and early 90s were good. They hired anybody with a pulse back then.  The late 90s and 2000s were horrible. I could not find anyone who wanted to give me a chance and I did the most soul-crushing, low paying things to keep feeding myself and stay out of debt.  I finally found something decent--pay is not great but the work is professional--and worked my hiney off the first two years until somebody noticed. Then I got a promotion.   I will be doing this work and working hard at it, until the day I drop dead and I'm damned grateful for it! Although I am maybe several hundred K behind in total earnings compared to the folks 10 or more years older.  Don't hate all of us. We didn't all make them mess and a lot of us suffered from it, too.
I agree, I buy 90% of my stuff on Amazon, but still find reasons to need to go to Home Depot. Pretty much Home Depot and the grocery store are the only two places I shop besides Amazon. I've tried finding what I need on Amazon instead of going to HD but with some things you just can't.   I go to HD a lot with an idea of something I want to create but not knowing exactly what I need to buy. Amazon can't replace that experience...yet.
A financial planner should assist you with this. Get rid of your debt. Out of your $2.1M of rental real estate and land, you have $1.4M of debt. It will be difficult to start a business with that much additional debt. It will also put stress on your retirement that you don't need. You are taking on lots of risk here. I would sell all but maybe one of the properties and let it cash flow. This will free up cash to start investing for retirement or future business too. Buy more rental in the future with cash only. You have plenty of income to do it this way, and you will be setting yourself up for a great future. At this point you can continue to pile funds into any/all your investments, with the goal of using the funds to start a business or to live on. If all your investments are tied up in real estate, you wont have anything to draw on if needed for a business opportunity. You need to weigh this out in your goal and planning. What should we do to prepare for a comfortable retirement and safety You cannot plan for or see all scenarios. However, good planning will give you more options and more choices. Investing driven by fear will set you up for failure. Spend less than you make. Be patient. Be generous. Cheers!
The definition of an uptrend is higher highs and higher lows, so on the weekly chart if there is a lower high followed by a lower low - this could be the end of the uptrend. If we get a lower low followed by a lower high - this again could be the end of the uptrend. These could be a good time to start getting cautious and maybe looking to sell. If you are using stop losses (which I recommend) this may be a good time to tighten your stops. Similarly, a downtrend is defined as lower lows and lower highs. If we get a higher low followed by a higher high it could be the end of the downtrend and maybe the start of an uptrend. This could be a good time to start getting ready to buy. You need to learn about how and where to set your buy and sell orders (including stops) and whether you wait for confirmation when you get a signal. All this takes some time, but the more you read, the more you attend live events and the more you practice the more they will become second nature. In order to get the best out of Technical Analysis you will need to learn, plan, practice and execute. A good book to help you prepare your trading plan is ""Smart Trading Plans"" by Justine Pollard. One of my favourite books is ""The Complete Trading Course - Price Patterns, Strategies, Setups, and Execution Tactics"" by Corey Rosenbloom. And another good book is ""Trade your Way to Financial Freedom"" by Van Tharp."
Before anything else, pay down any debt at higher interest rates. Best guaranteed return on investment you can get. What do you plan to use the money for, when, with how much advance planning? How risk-tolerant are you, and how patient are you ? Would you see a dip in an asset's value as lost money or a buying opportunity? A good financial advisor -- and I mean one who is ONLY an advisor and not trying to sell you anything but their services -- can take answers of that sort and recommend a mix of investment types that will suit your needs. Knowing that balance, you can the pick specific investments to suit. (I remain a fan of low-fee index funds as a painless way to get good diversification, with some small percentage for more active trading if you really want to invest the effort and are convinced you can beat the odds.) Other answers here on the personal finance discussion go into this in detail, so I don't think it's worth repeating here unless there's something really unusual about your situation.
And this tells me you have little to no understanding. I have LIVED this life, I am black, from an inner city, my father is a deadbeat and my mother was diagnosed with MS, leaving her disabled until she died before I graduated from high school. My grandmother raised me while trying to care for a daughter that couldn't walk and another daughter struck blind by disease. Without public assistance, I wouldn't have been healthy enough to get a scholarship to a very expensive boarding high school, and really isolate myself from the shit around me. i have cousins who died living the gangster bullshit life, I know this world from seeing it. I make a fairly decent amount of money now, why, because when I couldn't find a job, I could still eat on food stamps and go to a free program to qualify for the government to pay for my IT certification. So, seeing as I KNOW how the system can be used to get to a better place, make a goddamn argument that your idea works better, not how you feel things should be. I make me decisions based on what I've seen, I have known women shafted by circumstance struggling to be able to work because they need a specific number of hours to ensure they can have child care so they can work at all. I have tutored adults that never graduated high school because they had to drop out and work years ago to help their families afford to live. I have used medicaid to help with my horrible episodes of depression, gotten treatment my family alone could not afford. I have watched my aunt recover from drug addiction using treatment my family could not afford. My grandmother is alive and still helping the down and out in our family due to medical equipment the family could not afford on its own. I do base my decisions on evidence, I have lived the fucking evidence.
No, these were exit polls. Entirely different organizations and processes than pre election prediction polls.   As an aside, most of the respected pre vote prediction polls were within the MOE at the area level, and at the national level they were mostly correct, considering he lost the popular vote by a significant margin. It's clear you don't know how statistical models work, but to put it in layman's terms, if they give something a 75% chance to happen, that means the other thing can easily happen. Especially when you are balancing the popular vote (which they were mostly correct on) And the electoral college.   Food for thought next time you think that snarky answer is an intelligent one.
The market doesn't really need to adjust for fees on ETF funds that are often less than 1/10th of a percent. The loss of the return is more than made up for by the diversification. How does the market adjust for trading fees? It doesn't have to, it's just a cost of doing business. If one broker or platform offers better fee structures, people will naturally migrate toward the lower fees.
Per a recommendation from WallStreetBets I wanted to post this here.  Does anyone have a recommendation on how to get a job at a Bank being a Market Maker?  I am fascinated by the trading industry and after listening to an interview with a former market maker I want to explore this as a career choice.
I wasn't talking about cs I was talking about finance. Don't apply your own lens to my comment and then tell me that you think its wrong. And besides that I'm calling bullshit on the prereqs. Every major has pre reqs you just have to plan your schedule. Obviously it varies from school to school and if you go somewhere where there is an important pre req that's only taught once every year or two, yeah you have to plan for that shit or you get fucked. But I refuse to believe that any class has a chain of four pre reqs in front of it, such that you could not complete the chain in two years, or four semesters. And that's not even counting summer semesters, a great time to make sure you're pre reqs are covered if need be.
Many economists think that in a free market there would be more insider trading as they're able to more efficiently transmit pricing signals to the rest of the market.  Can you come up with an argument how insider trading makes markets less free? What exactly is your definition of a free market?
And k cups brews fresh coffee. This would be like if k cups we full of pre brewed coffee and just dumbs it in the cup. How the hell did this get funding. It's like VC don't actually look at what they invest in