vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Always a good time to buy gold. Think less in terms of commodities, more in terms of true money that can not be inflated out of existence. Buy it as cheap as you can, hold it for as long as possible. The historical graphs never lie and it proves time and time again its a good store of value. I would never think of it in terms of a speculative bet though. If it does reward you, its because the global currency system is broken. I think its broken, it may reward you. But never expect it to reward you. In the short term (2-3 years), the gold price can be manipulated. In the long term (10 years) less so.
"Here are the top hitters in my (recent) experience, in highest-first order: Child Care By far the biggest potential cost is childcare, whether this be a full-time nursery/kindergarten, child minder, live-in Nanny/Au-pair or just paying a baby sitter when parents need a night off. This needs careful thought. In London, full-time nursery school (6 months to 4 years old) varies from 500 UKP to 2000 UKP per month, and the amount you pay does not guarantee the quality of the care/education. If you have relatives nearby, these costs can likely be reduced, but you'd really need to pay the relatives somehow - meals, bling, holidays, a new bathroom, etc. Loss of Earnings Whether the mother goes on maternity leave, or the father gives up his job to be a 'house husband', the family income is going to be affected for a period of time. You can plan for this by researching what government or company benefits the mother or father will get and for how long. I suggest dividing this amount evenly across the whole period that the stay-at-home parent will be off, rather than trying to calculate ""2 months' full pay, 2 months' half pay, 2 month's no pay"", because if you get into a pattern of high spending in the first two months, what will happen for the next 4 months. You also need to consider short-notice time off work when anybody is poorly. I suggest reserving some of your vacation time for unexpectedly-have-to-look-after-the-family time. When children start daycare/nursery, the germs cross-pollinate, so you get some really nasty strains of coughs, colds, diarrhoea and 'flu in the house, which could cause the primary carer to be unable to do their caring without (your) help. Bigger Car If you can't get a baby seat into your car because it doesn't have the proper fittings or doesn't have rear seats, you'll likely need to change your car. There are plenty of cars that are bigger in terms of people space without being more expensive, but it'll cost to change.
Log-returns are very commonly used in financial maths, especially quantitative finance.  The important property is that they're symmetrical around 0 with respect to addition. This property makes it possible to talk about an average return. For instance, if a stock goes down 20% over a period of time, it has to gain 25% to be back where you started.  For the log-return on the other hand the numbers are 0.223 down over a period of time, and 0.223 up to get you back to square 1. In this sense, you can simply take an arithmetic average and it makes sense.  You can freely add up or subtract values on the log-return scale, like log-interest rates or log-inflation rates.  Whereas the arithmetic mean of (non-log) returns is simply meaningless: A stock with returns -3% and +3% would have 0% on average, when in fact the stock has declined in price? The correct approach on direct price-returns would be to take a different mean (e.g. geometric) to get a decent average.  And yet it will be hard to incorporate other information, like subtracting the risk-free rate or the inflation rate to get rate-adjusted average returns. In short: Log-returns are easier to handle computationally, esp. in bulk, but non-log-returns are easier to comprehend/imagine as a number of their own.
As mentioned in the comments: According to the message from the exchange all trades at or below $5.86 that were executed in NASDAQ between 09:38:00 and 09:46:00 ET got canceled.  If the short doesn't fall into those criteria but the long does, though luck the long is invalid, the short is valid.  Traders that got the short end of the stick in the end, should contact their brokers and inquire about this situation. Depending on the terms of the broker the short might get canceled as well. If not, then it's up to the market. The trader can keep or close the short. IMO, what the person in question should have done is hold on to the trade and see what happens at the end of the trading day.  He should've realized something was wrong when the price went from 8.xx to 0.8x.
This is a review of Broad and Wade’s Betrayers of the Truth. The author uses a subtitle which is revealing: the loyalist responds to heresy not by seeing that something might be wrong, that there may be some merit to this sort of reassessment, but by defending the ideology. Zinder has managed to misread Broad and Wade in several places. There is sufficient misrepresentation to mean that he read the book very selectively. “The authors continually confound science with scientists. And the book not only fails to enlighten us on science but doesn’t even begin to provide any insight on scientific method.” (p. 94) “Thirty four cases of fraud over a 2,000 year period are documented in the book, a number roughly comparable to the number of lawyers who went to jail for Watergate. Despite this small number, the authors imply that scientific fraud is common. They estimate that there are 100 additional major frauds, plagiarisms, and data fabrications for each one detected
&gt; “Once you have done that, if you have a strong performance in the US or Asia, then that is when you start to look at the post-Brexit foundations and it will prompt you to look at what the right business mix is,” he said. &gt; The consultancy, which has access to detailed figures on almost every bank from the benchmarking work it does for the sector, estimated that 2 percentage points would be knocked off wholesale banks’ return on equity in Europe because of the disruption. &gt; Wholesale banks — which serve corporate and institutional clients — would need to find $30bn-$50bn extra capital to support their new European operations, an increase of 15 to 30 per cent, it estimated. The industry’s annual costs would rise by $1bn, or 2 to 4 per cent. &gt; “Any time you split a portfolio up — whether it be a credit portfolio or a trading book portfolio — you lose the benefits of diversification that allow you to reduce the capital you hold against it,” said Mr Austen. &gt; Many banks have decided they cannot afford to wait for the political uncertainty over the outcome of Brexit negotiations to clear before implementing their plans and have started finding office space and applying for licences with regulators. &gt; “Once everyone is back from this summer holidays, the annual planning process will really start in earnest and at that point people will start planning for next year’s costs and returns,” said Mr Austen. &gt; “As you move into the back end of this year and the start of next year you have to start making those decisions. You would want to have moved people by next summer if they are going to get their kids into school in September.” &gt; The consultancy stuck to the forecast it made last year that Brexit would drive 31,000-35,000 financial services jobs out of the UK, of which 12,000-17,000 would be in banking. In a worst-case scenario, in which euro clearing is shifted to the eurozone, banks could shift as many as 40,000 jobs out of the UK.
A recent survey conducted in Australia shows that although their mining sector is enjoying a boom, services sector is in an opposite condition. Most of the contraction was caused by a decline in new orders among the various players in the services sector while sales and prices also fell.     Just 2 out of 9 sub-sectors (namely, personal and recreational services and finance and insurance) included in the survey has grown during the month. The increased activity in the mining sector is not positively affecting the remaining sectors of the local market.     The chief executive of the Australian Industry Group (AI Group) said that the contraction in the services industry just shows how narrow is its base of development in the broad market.     Several stability in financial states abroad in a period of few months will be favorable for allowing consumer and business confidence to improve, resulting in a gradual increase in spending.     More than half of the world’s mining acquisitions in 2011 has involved projects located in US, Australia and Canada. Other buyers include China, India, Russia and Brazil, all of which increased their acquisitions by 42% since 2006.     In terms of gold, the average deal is valued at USD 41 million where a premium is almost 50%. Propelling the lucrative market is Australia with 15%, United States with 14% and Canada with 49%.     Considering the bigger picture of the industry, PwC seems to be expecting that this year will see record M&amp;A valuations and volumes in the mining sector worldwide.     According to the company, sovereign wealth funds tend to have more advantage in winning transactions because of their low cost of capital.     PwC is assuming that non-miners like sovereign wealth funds, large pension funds and private equity might reassess their approach to the industry and begin to participate more in M&amp;A.
A South Korean buyer wanted to import huge quantity of Crude Oil from a supplier in Saudi Arabia where the supplier asked for a Bank Guarantee. The buyer's company instantly contacted us and we facilitated their Crude Oil deal by providing BG MT760 after they successfully obliged to BWT’s Terms.
&gt; quadriplegic   I'm going to go out on a limb here (ohhhh!) and say the money a newly made quadriplegic makes is in the range of zero to negative monies. I did mean discharge though, you are right, I shall leave my mistake for the world to know!  Undue hardship is what I was referring to in terms of student loans because I looked into it. It is almost impossible to meet the standard unless, as said, you stop making money (quadriplegic) or you die.   There's a third alternative which includes being a minimum wage teacher for two to six years in a slum-city high school but that's about as enticing as just leaving the country altogether.
"I think you're missing the point. In terms of profit margin, the trucks actually pay a larger percentage of their gross in overhead - that is, their net is a larger proportion of their gross than it is, on average, for restaurants. They pay more for inspections, they pay for commissary services and many other things (and licenses and permits) than restaurants typically pay.  What you are proposing is a law that would also bar another brick and mortar restaurant - in your own words, one that ""sells the same product for cheaper due to the lack of overhead"" (say, for example, a chain fast-food restaurant).  Are you saying that new businesses shouldn't be allowed to open next door to established businesses of the same type? Or does your argument only apply to food trucks?  I am not a flag-waving libertarian or anything, but I don't think that choosing which types of business model to protect should be on the list of things that city governments should be doing - especially in the case of states like California and Texas, where the state vehicle code clearly states that the ONLY regulation a municipality may enact on otherwise-legal mobile vendor are rules that serve the public health and/or safety. Not competition.  Just because some people may not agree with you doesn't mean that they are either ""simple minded,"" or misread your point. I understand your argument very well - I just don't happen to agree with it. That doesn't mean I think you are ""simple minded,"" either; I just think you're a name-calling jerk."
In addition, within one (1) Business Day after acceptance by the railroad, the Clearing House must receive information (via a telephone call, facsimile or electronic transmission) from the seller giving the car number, piece count by length, unit size, total board footage and date of acceptance. The ￼date of acceptance by the railroad is the date of the bill of lading, signed and/or stamped by the originating carrier, except when determined otherwise by the Clearing House. For some commodities you can't get physical delivery (for instance, Cheese futures won't deliver piles of cheese to your door, for reasons that may be obvious) 6003.A. Final Settlement There shall be no delivery of cheese in settlement of this contract. All contracts open as of the termination of trading shall be cash settled based upon the USDA monthly weighted average price in the U.S. for cheese. The reported USDA monthly weighted average price for cheese uses both 40 pound cheddar block and 500 pound barrel prices. CME gold futures will deliver to a licensed depository, so you would have to arrange for delivery from the depository (they'll issue you a warrant), assuming you really want a 100 troy oz. bar of gold: CONTRACT SPECIFICATIONS The contract for delivery on futures contracts shall be one hundred (100) troy ounces of gold with a weight tolerance of 5% either higher or lower. Gold delivered under this contract shall assay to a minimum of 995 fineness and must be a brand approved by the Exchange. Gold meeting all of the following specifications shall be deliverable in satisfaction of futures contract delivery obligations under this rule: Either one (1) 100 troy ounce bar, or three (3) one (1) kilo bars. Gold must consist of one or more of the Exchange’s Brand marks, as provided in Chapter 7, current at the date of the delivery of contract. Each bar of Eligible gold must have the weight, fineness, bar number, and brand mark clearly incised on the bar. The weight may be in troy ounces or grams. If the weight is in grams, it must be converted to troy ounces for documentation purposes by dividing the weight in grams by 31.1035 and rounding to the nearest one hundredth of a troy ounce. All documentation must illustrate the weight in troy ounces.
"In layman's terms, oil on the commodities market has a ""spot price"" and a ""future price"". The spot price is what the last guy paid to buy a barrel of oil right now (and thus a pretty good indicator of what you'll have to pay). The futures price is what the last guy paid for a ""futures contract"", where they agreed to buy a barrel of oil for $X at some point in the future. Futures contracts are a form of hedging; a futures contract is usually sold at a price somewhere between the current spot price and the true expected future spot price; the buyer saves money versus paying the spot price, while the seller still makes a profit. But, the buyer of a futures contract is basically betting that the spot price as of delivery will be higher, while the seller is betting it will be lower. Futures contracts are available for a wide variety of acceptable future dates, and form a curve when plotted on a graph that will trend in one direction or the other. Now, as Chad said, oil companies basically get their cut no matter what. Oil stocks are generally a good long-term bet. As far as the best short-term time to buy in to an oil stock, look for very short windows when the spot and near-future price of gasoline is trending downward but oil is still on the uptick. During those times, the oil companies are paying their existing (high) contracts for oil, but when the spot price is low it affects futures prices, which will affect the oil companies' margins. Day traders will see that, squawk ""the sky is falling"" and sell off, driving the price down temporarily. That's when you buy in. Pretty much the only other time an oil stock is a guaranteed win is when the entire market takes a swan dive and then bottoms out. Oil has such a built-in demand, for the foreseeable future, that regardless of how bad it gets you WILL make money on an oil stock. So, when the entire market's in a panic and everyone's heading for gold, T-debt etc, buy the major oil stocks across the spectrum.
Right now the SEPA Credit Transfers take 3 days excluding holidays. In future this would be reduced to 2 days and then eventually to same day. Your bank would have acknowledged sending out the transaction. It would go into the clearing house and then to the recipient's bank. Once the receiver's bank receives the funds, they would notify the receiver.
Is it POSSIBLE? Of course. I don't even need to do any research to prove that. Just some mathematical reasoning: Take the S&P 500. Find the performance of each stock in that list over whatever time period you want to use for your experiment. Now select some number of the best-performing stocks from the list -- any number less than 500. By definition, the X best must be better than or equal to the average. Assuming all the stocks on the S&P did not have EXACTLY the same performance, these 10 must be better than average. You now have a diversified portfolio that performed better than the S&P 500 index fund. Of course as they always say in a prospectus, past performance is not a guarantee of future performance.  It's certainly possible to do. The question is, if YOU selected the stocks making up a diversified portfolio, would your selections do better than an index fund?
Oh?  I guess it's different here in Canada.  *googles*.  &gt; Canada has a ”last resort” clause for veterinarians to use antibiotics, and the milk must be withdrawn from supply for 14 days or twice as long as the medication’s withdrawal period, whichever is longer.
Not sure why you are getting downvotes. Managing to the next quarters numbers at the expense of the future is rampant in big companies these days. I work at a big bank and it’s really becoming a large problem. Individual contributors can only do so much to hide the fact that management is sacrificing the future for their quarterly bonus. In any one quarter it’s no big deal but when it’s done for years as is likely the case with GE it does cause huge problems.
Around Oct 03 2010 the SPY closed at 113.  Today it is trading at 130.  After four months, that means that the S&P is up 15% over that particular 4 month period. You said you need something pretty low maintenance, and you are comparing your returns to the S&P 500 (which as @duffbeer703 points out is a good thing to compare against because of its diversification). To kill two birds with one stone, I would sell your fund that you have and take the proceeds and purchase the ETF SPY.  SPY trades like a stock but mirrors the S&P 500's performance. It has extremely low fees (as opposed to what I suspect your BlackRock fund has).  You can own it in an Etrade or Fidelity or other low cost broker account.  Then you will be extremely low maintenance, fully diversified (among stocks) and you don't have to compare your performance against the S&P :)
"In the article itself, it's stated:  *""Yale University, where we work, has a de minimis exposure to IEX through an investment by one of the university’s external managers.""*  I mean, that's pretty straightforward to me.  I promise you that Yale is also indirectly invested in every single public exchange out there."
"Here's the slippage I was talking about - - - this is when I was trading DXO or around that time.  the ultra shares----interesting read at least.  ""Based on data from October 22, 2008 to January 26, 2009, the S&amp;P 500 had a daily standard deviation of 3.62%.  If you were to invest in SDS, an UltraShort ETF which has the S&amp;P 500 as its underlying index, and were to hold it for a year, you should expect to lose between 34% and 74% of your money, if the S&amp;P 500 is flat for that period.  This assumes that there are no transaction costs, and that the expense ratio is 0% (in fact, it's 0.91%.)  My experiment also assumed that daily stock market returns follow a normal distribution.  In fact, the the distribution of daily stock market returns is leptokurtotic (it has fat tails.)  According to my mathematical intuition (the Ph.D. is in math, in case you were curious,) if I had performed the experiment with a leptokurtotic distribution, the losses would have been larger.  Obviously, this could be checked, but the results are bad enough as it is.""   http://www.altenergystocks.com/archives/2009/02/ultrapromises_fall_short.html"
The reasons behind hiring a private investigator can be many things; it depends on the human being. A professional private investigator gives you very valuable services that can help you in many ways – from bringing out the right facts to clearing your doubts, from criminal cases to infidelity and from cheating partners to background checks and many more.
That's not the problem here. The problem here is that monetarists and Keynesians don't differentiate between what you actually invest in.   Their equations literally state that a bridge to relieve congestion in New York will produce the same growth as the Bridge to Nowhere.  Unbelievable bullshit when put in the correct terms.
I think you're over complicating it! There is the market maker in the pure sense as what chilldontkill said - a bookie, a middleman. They are just the brokers in between the buyers and sellers, and they simply make profit off of the spread differential.  But market maker is also used to refer to large, high volume buyers and sellers that can influence the price because they control a larger % of volume. These only really exist on low volume products, and they slowly ween out the larger the volume. On higher volume products, I like to refer to them as institutions - that is, well informed, large pockets - whether is be central banks, clearing houses, hedge funds, boutique firms. These are the people who are generally in the know and they often bet against eachother.hope this helps ...
The CCAPM attempts to link asset prices/equity risk premiums to the 'intertemporal substitution of consumption' instead of the normal beta. So essentially what it's trying to say is you prefer to smooth consumption, you hate volatile consumption patterns, therefore you demand higher returns in booms and will settle for lower returns in downturns. (It may sound counter-intuitive at first, but think in terms of marginal utilities, in booms your marginal utility is lower as you're already well off, therefore you demand more of an asset).   The CCAPM tries to link asset prices to real economic theory (consumption) whereas CAPM is derived from the assumption that investors only care about mean and variance of returns (no real link to the real side of the economy).   There are almost no real world applications for the CCAPM. Empirically it is almost a complete failure, complex extensions have only gotten it so far, see the 'equity premium puzzle' by Mehra and Prescott (1985).
Currencies today are mostly just paper with perceived value.   Gold and silver aren’t the same as modern monies because there is an actual finite amount in the world.   Paper money is technically infinite and can be used to control the value of it to that end such as quantitative easing.   The question is is Bitcoin like paper currency? In which case things that affect paper money would effect it with some exceptions.   Or is it like gold and silver in that there is a finite amount?   That’s for people who know more about it than me but I have heard terms like mining bitcoin and stuff...  I was thinking about investing in bitcoins too.