vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"&gt;It's tremendously more difficult to make large percentage gains on $1 billion than it is to make gains on $1 million.  This is true. However, when you consider the 2 and 20 fee structure that is typical of hedge funds, it becomes evident why managing more money is generally better. With a fund with 1B under management, they ""earn"" 20 million dollars for turning the lights on. Even if they only have a 3% return in a given year, that's another six million dollars.   A fund managing a million in assets would have to have a return of 40% to net $100,000. So while the law of diminishing returns may be working in your favor if you are managing less money, if your goal is to make money for yourself it's pretty clear why managing more money is better."
If your skills are at the level of a McDonald's cashier than you should be compensated for that. You should NOT be compensated for a lifestyle which you WANT. Having a kids and a wife is a choice, no one is putting a gun to your head. If your skills are at the minimum(which is 2% in the USA) than you should not be supporting a family, it's simple. The kid with a father/mother at that level will have a terrible life, lazy parents who are not willing to work to better themselves.
The first thing to realize is that MLM is not really a selling job, yes they all sell products but that's not how you make any money. And be careful not to stockpile inventory, you'll end up with $4000 dollars worth in your garage that you'll never use. MLM is really a recruiting and training sales people job. If you are willing and have the talent to recruit and train sales people then it may be right for you. The only people that make a good living recruit new sale people all the time, and have hundreds of sale people in there down lines. There is a lot of attrition and you have to keep recruiting to replace those lost. Don't think you are going to get rich at this part time. There are a lot of millionaires from MLM but they work a lot of hours recruiting and training. If you don't have a lot of time to devote to it I wouldn't do it at all. MLM is not for everyone, but the ones that are good at it and put in the time make a lot of money from it.
I don't think you need to be an economist to answer the bell though. Gates is filling his role in that he's not letting the powers at be back down from pledges.   From there though, it tends to get overly political and messy. From Gates's perspective it is probably black and white. Financial traders aren't doing much to engineer a better future directly, so why not tax them and make them contribute more to the world that Gates would like to see. It's not as if these guys are spending their weekends finding ways to get millions of mosquito nets and vaccines to people across the globe so why listen to their political dribble as to why they can't lose a penny on the dollar to create a better world?
"I think it will prove to be a futile attempt by Google BUT, I'm glad they are trying.  Competition is a good thing.  It will keep pushing Amazon to be better and better and not fall asleep at the wheel as so many ""monopolies"" end up doing.  I'm all in on Amazon:  AMZN stock, AWS, Amazon shopping, you name it!"
Food is almost never a valid expense. Reason for it is simple - if you were not conducting business you would have to eat too. Ad 1. I don't see why travel in that case would not be a valid expense, as the only reason for you to travel there is for business reasons. Ad 2. Unlikely as there is a duality of purpose. So while part of it may be business, you are also getting personal benefit from the visit (coffee/cakes etc) so that generally is a no. Ad 3. No, while you can claim for entertainment of employees (to sensible extends), that doesn't work when entertaining clients. Ad 4. If any part of the trip is for leisure then you cannot claim it as business expense, sorry! If there is any duality of use then it's not a business expense. And food, as always, is a no go.
Never heard the minimum wage teacher one actually. . . . sounds weird enough to be plausible to me.    I use this case whenever a client starts asking about discharging student loans.  Usually telling them it is a challenge and no guarantee for a quadriplegic to prove undue hardship rather quickly conveys the point of how unlikely it is to get their student loans discharged, and that their situation likely does not suck enough.    and your out on a limb comment got me to smile. . .  i have to admit.
"It all has to do with risk and reward. The risk is that interest rates will rise.  To entice you to go with the variable, they make it so it is cheaper if interest rates never rise. Your job is to guess whether interest rates are likely to go up or not. In a first approximation, you should go fixed. The bank employs very smart people whose entire job is to know whether interest rates will go up or not. Those people chose the price difference between the two, and it's sure to favour the bank. That is, the risk of extra payments you'll make on the variable is probably more than the enticement. But, some people can't sleep at night if their payments (or more realistically, the interest part of their payments) might double. If that's you, go fixed. If that's not you, understand that the enticement actually has to be turned up a bit, to get more people to go variable, because of the sleeping-at-night feature. Think long and hard about your budget and what would happen if your payment jumped. If you could handle it, variable might be the better choice. Personally, I have been taking ""variable"" on my mortgage for decades (and now I don't have one) and never once regretted it. I also counselled my oldest child to take variable on her mortgage. Over this century so far, if rates ticked up, they didn't tick up to the level the fixed was offered at. Mostly they have sat flat. But if ever there was a world in which ""past performance does not predict future results"" it would be interest rate trends. Do your own research."
The problem is that in order for me to be invested enough that it's worth money to me I need to use it for a long time.  I pay for Reddit gold because I'm on this stupid site every day so I feel I should support it.  I never would have come to that decision without using the site for at least a year first.
"I'd say your tenant is out $750, not you. How you handle it is totally personal preference.  If you want to be the super-nice landlord and eat the loss this one time, then you might gain some karma and hopefully they'll be awesome tenants for the remainder of their stay. Are they the kind of tenants you want to be nice to because they deserve it?  You (and she) have no way to prove she ever actually tried to pay you. Sound like she is learning a $750 lesson. ""Don't leave cash in a mailbox, and always get a receipt for rent paid."" Your insurance company would likely not pay out as it'd be below a typical deductible and you can't really prove the money ever existed. You'd be better off just taking the loss.  Think about it this way: How would you expect a bank or utility company to respond to this situation? ""Yeah, I left my mortgage as a cash-filled envelope on your doorstep. You didn't get it? I told you I'd do it!"" Guess who's paying double mortgage and a late fee?  You're not stuck with option 1, you're choosing to do it. She could refuse and fight you on it, which might not be worth the headache and potential small-claims court. But you're entitled to receive the rent and she is obligated to pay it. And ""paying it"" means making sure you actually receive it."
"K-12 teachers never make six figure sums.   Professors in universities sometimes do, but for every professor that makes a lot of money there are probably dozens of nontenured faculty who are barely making enough to feed themselves and put gas in their cars.  The real reason the big corporate interests want to privatize US education is to use all those jobs as bargaining chips in globalization. that has been their plan for decades, they tried to do it in GATS, which could be seen as the first major attack on public services. That was in 1995.   But GATS ""Mode Four"" was not used extensively because it had a minimum of I think $800k worth of the contract- so for structural reasons its never caught on.   So now [they have rolled out TiSA](https://www.youtube.com/watch?v=2_pPqnbXpA4) which is supposed to be the biggest trade agreement on services to date.. Its going to effect a huge number of people in the US, the EU, and Australia. More than half of all jobs are service jobs. But its priorities seem to be all wrong.  I am sure there are other, better ways for US companies to be afforded ""national treatment"" in the rapidly growing developing countries than TiSA.  For example, [ISDS is truly horrible](http://tpplegal.files.wordpress.com/2012/05/isds-domestic-legal-process-background-brief.pdf).  The financial chapter - which Wikileaks published an older draft of. is what people have focused on - It is like a laundry list of VERY bad ideas rolled into one. But, financial services are just a tiny part of Tisa. the most destructive part is the [attack on the few remaining public services](http://www.world-psi.org/en/psi-special-report-tisa-versus-public-services) which have survived GATS."
The bottom line is choosing the right partner. If your partner works as hard as you do, than everything should be split, irregardless of who makes more. Unfortunately, my bf, now by separated husband, borrowed money from me before we were married. I saw a lack of work ethic in him from the beginning, loved him anyway and married him but decided to keep my money separate as a result. This was a beginning with lack of trust and knowing I would be the higher earner, harder worker, and better provider. Down the road he won a lawsuit and got about $700k. I saw about $25k of this money to pay bills created with the intention of him paying them off when he got the money, and because he pilfered it away, we lost our house and it ended in my leaving.... I'm still doing ok because I work hard for what I have. He is struggling. We were never on the same page, never discussed finances because of his lack of work ethic and my mistrust of how he would decide how the money would be used. Sadly, who you decide to be your partner is the most important decision here...It should be based on mutual respect, both working hard to achieve a common goal, and communicating the budget every year, perhaps even each month.... I'm the terrible example.
"A better question would be to ask ""Why don't movie theaters charge to use the bathroom?"", or ""Why don't movie theaters charge for parking?"". In America, either government regulation or the mall itself forbids charging for parking, or limits the amount that can be charged for parking. This tends to be more true in suburban areas where land is cheap, but less true downtown in cities. The nearest theater to me is in a mall that is also on a metro line. Those who arrive by metro to see the movie are effectively subsidizing those who arrive via automobile and park. I don't know of any place in America that charges to use the bathroom, but the practice is still common in Europe. I saw the second The Matrix film in Brussels, and had to pay to pee. I'm not sure why this isn't the case in the U.S. Maybe there are widespread regulations against this. Or maybe it's a cultural thing, that we would be so offended by this that we would never go back to the theater."
Well people are better at understanding what other people want from them than robots are. so you have a process where people, working for people are always going to be moe flexible and better understanding of the goods to be delivered for the money than a robot is.  is similar to how you could propose, lets  replace all workers people with aspergers who have a high iq and lets say we are going to pay them a lot less than to do the same job. These people are not going to take over the job market! Its exactly the same argument as with robots. It doesnt matter how smart and tireless you are, if you have aspergers a normal worker is going to outflex you and be worth their money in a lot of ways that you arent.
they did crash because supply caught up to demand.  &gt; because the only reason people were buying them is because they would go up in value  that is the explanation for why price shot up so quick.  &gt; Sounds exactly like Bitcoin in my opinion  There's genuine utility in cryptocurrency.  Bitcoin is the anchor to all of them.  Btw, there is significant cost to mining bitcoin  &gt; How many people do you know using Bitcoin as a currency?  You can pay bills with it.  A lot better than gold in that regard.  &gt;  It isn't backed by a government or military  historically always a terrible thing for every currency.  The freedom from political whim based valuation is a plus.  &gt; When it crashes and criminals are the only ones using it, then what is it worth?  Criminals would be better off using cash or Monero (a crypto with better privacy safeguards).  But criminal can be a bit subjective.  Bitcoin for instance is the best vehicle for transporting money protecting from thieves whether or not they are government employees.  &gt;  Maybe $100 a coin? $10? Who knows, it sure as hell isn't $5,000 a coin though.  I think we'll see $5000 again, before $3000 or $1000.
I think your understanding is correct as far as you describe, but you don't mention a critical detail to me.  You also imply some penalty details for early withdrawal / cancellation but you don't state those terms in detail. Where and when is the interest paid?  Does it go into the same CD for compounding?  Does it get paid to another account?  The description does say that it is priced at par, so we at least know that the interest doesn't have to be stuck unpaid within the CD until maturity, but it also means you don't necessarily get compounding at the CD rate. Without knowing where the interest goes, and if it's available for compounding, be careful in how you compare it to other CDs / savings accounts.  A compoundable structure might be a better option, even at a lower APY.
"Executive summary: It sounds like the merchant just did an authorization then cancelled that authorization when you cancelled the order, so there was never an actual charge so you'll never see an actual refund and there's no money to ""claim"". More detail: From your second paragraph, it sounds like they just did an authorization but never posted the transaction. A credit card authorization is basically the merchant asking your credit card company ""Does sandi have enough credit to pay this amount and if so please reserve that amount for a bit."" The authorization will decrease the total credit you have available on the card, but it's not actually a charge, so if your billing cycle ends, it won't show up on your statement. Depending on which company issued your credit card, you may be able to see the authorization online, usually labelled something like ""Pending transactions"". Even if your credit card company doesn't show pending transactions, you'll see a decrease in your available credit, however you shouldn't see an increase in your balance. The next step, and the only way the original merchant gets paid, is for the merchant to actually post a transaction to your card. Then it becomes a real charge that will show up on your next credit card statement and you'll be expected to pay it (unless you dispute the charge, but that's a different issue). If the charge is for the same amount as the authorization, the authorization will go away (it's now been converted to an actual charge). If the amounts are different, or the merchant never posts a transaction, the authorization will be removed by your credit card company automatically after a certain amount of time. So it sounds like you placed the order, the merchant did an authorization to make sure you could pay for it and to reserve the money, but then you cancelled the order before the merchant could post the transaction, so you were never really charged for it. The merchant then cancelled the authorization (going by the start of your third paragraph). So there was never an actual transaction posted, you were never charged, and you never really owed any money. Your available credit went down for a bit, but now should be restored to what it was before you placed the order. You'll never see an actual refund reflected on your credit card statement because there was no actual transaction."
A log scaler on income would help visualize the data a little better. The physician is just so out of line with the other wages that it makes every other job seem to pay roughly the same. Or a break in the scale to look at outliers.   Or the data could be perfect and the zoom feature isn't working on mobile.   TLDR: According to this chart I should be a physician.
I won't make any assumptions about the source of the money.  Typically however, this can be an emotional time and the most important thing to do is not act rashly. If this is an amount of money you have never seen before, getting advice from a fee only financial adviser would be my second step.  The first step is to breathe and promise yourself you will NOT make any decisions about this money in the short term.  Better to have $100K in the bank earning nearly zero interest than to spend it in the wrong way. If you have to receive the money before you can meet with an adviser, then just open a new savings account at your bank (or credit union) and put the money in there.  It will be safe and sound. Visit http://www.napfa.org/ and interview at least three advisers. With their guidance, think about what your goals are.  Do you want to invest and grow the money?  Pay off debt?  Own a home or new large purchase?  These are personal decisions, but the adviser might help you think of goals you didn't imagine Create a plan and execute it.
I don't really like to refer to being an expert cause it is all relative really. I know Excel better than anyone in my office but I don't consider myself an expert because my skills don't touch many of the people on Excel-related forums. Anyway, the initiative you are showing wanting to learn this on your own is great. So if you told me that you were in expert in Excel but it is clear you know less than me I'd peg you as someone with overconfidence bias. What I would want to see is that you are familiar with functions common with finance-related Excel work, that you understand under which situations certain functions are more efficient for completing a task. Like math, there are many ways to solve a problem but some are more efficient than others (in Excel the most efficient is not always the most elegant, we are talking about using the least amount of processing power and memory). That if you don't know how to do something in Excel you'll be able to figure it out without help. There are so many resources on the web and you should know how to be able to look at other examples and apply it to your situation. You should be familiar with VBA, not just using the macro recorder. Know what situations when it is better to use VBA than excel functions (in most situations you want to avoid VBA because 1. It makes it difficult for other users to follow your spreadsheet and 2. Excel functions are much more optimized and generally perform tasks much faster). Know how to build spreadsheets that are easy for others to follow you work; write comments etc.... Nothing is worse than trying to figure out a cluster fuck of a spreadsheet. I would not expect you to be an expert in VBA and to be able to write something in depth from scratch but rather be able to figure it out using outside resources. Since I am not writing in VBA on daily basis I forget shit all the time but if there is something that needs to be done I can guarantee you I will figure out how. Knowledge of how to integrate Excel with a database via VBA is good (for both pulling in data and updating a database). Tl;dr 1.
It's two things. One, hg Tv is reality television... It isn't real, never has been, never will be. It sells the 80s American dream.   Two, cost of living and relative wage varies across regions. E. G. The big mac effect.  Bigger question, in my opinion, is why do we care? I'm not a hippy, check my history, but my wife and I very recently downsized, with kids on the way. And it's fine. We went for a smaller home in a safer area with better schools. Couldn't be happier.
Another factor to consider is that it encourages employees to contribute more into to the plan so that they'll be able to comfortably retire.  Getting the full match encourages people to put at least 6% in to avoid leaving money on the table; 100% of the 1st 3% would see a lot of people only putting 3% in instead.  While 9% of your income is still a rather marginal amount to be saving; it will leave you in a much better place in your 60's than if you had only put in 6%/year.
It is important for you to understand the calculus of the situation, while the Orange buffoon prances around in front of the world keeping people suitable entertained, a deeper and darker agenda is at play in the back ground.  It is not America first or the American people first, it is the Israeli agenda first and Israeli control of the US government and economy that is at play here, this is not a conspiracy or some tall tale, it is a simple statement of fact now and common knowledge.  Jokes aside, Nathanyahu is now permanently infesting Donald Trumps rectum and calling the shots.  The is only one way, Donald Trump can free himself of this infestation and free America and the American People from this Israeli Parasitic grip.  I am afraid you are going to have to go nuclear, you can have a nuclear bomb and still hug the trees and hump the whales . . .but if you don't have a nuclear bomb, it will not be too long before you become a terrorist state and are a threat to Israel's survival and must be wiped off the face of the earth.  You are never going to be part of the EU and always a second rate citizen in NATO and will end up going the way of Afghanistan, Libya, Iraq, Syria and Iran  Nuke up . . .Protect yourself
Poor Pakistan, still don't get it . . . Ok Sure the US will not forget, but the US will also not forget you have Nuclear weapons. Now the problem is this, that US is now completely under Zionist and Jewish control, the Jews control politics, religion and most importantly the Economy. You can have happy fucking Hanukah on the white house lawn but Christmas has to be happy holidays.  Now what ever else we know about the Jews, the one thing that holds true is they will never shut the fuck up, so long as a Muslim nation is in possession of a nuclear bomb. Their greatest fear is a nuclear of the Middle east, you see they like their enemies to be civilian and unarmed, preferably women and children cowering in the rubble of their bulldozed homes.   So what Pakistan needs to understand is that they will never do enough and can never do enough, because enough for the Jews means Pakistan should become another Palestine. So they will sell drones and weapons and technology to the Indians, bad mouth and run a proxy propaganda campaign and try to destabilize Pakistan till eventually they manage to get a weak corrupt civilian government in place that will give up nuclear weapons and then, its game over for the Pakistani people.  Had it not been for Iran not having nuclear weapons and Korea having nuclear weapons, the United states would have attacked Pakistan a long time ago.  For Pakistan, you have a decade at best, by that time you had better have ICBM tech.