vania-janet/multiturn-rag-retrieval-data huggingface dataset:
The points given by DumbCoder are very valid. Diversifying portfolio is always a good idea. Including Metals is also a good idea. Investing in single metal though may not be a good idea.   •Silver is pretty cheap now, hopefully it will be for a while. •Silver is undervalued compared to gold. World reserve ratio is around 1 to 11, while price is around 1 to 60. Both the above are iffy statements. Cheap is relative term ... there are quite a few metals more cheaper than Silver [Copper for example]. Undervalued doesn't make sense. Its a quesiton of demand and supply. Today Industrial use of Silver is more widespread, and its predecting future what would happen. If you are saying Silver will appreciate more than other metals, it again depends on country and time period. There are times when even metals like Copper have given more returns than Silver and Gold. There is also Platinum to consider. In my opinion quite a bit of stuff is put in undervalued ... i.e. comparing reserve ratio to price in absolute isn't right comparing it over relative years is right. What the ratio says is for every 11 gms of silver, there is 1 gm of Gold and the price of this 1 gm is 60 times more than silver. True. And nobody tell is the demand of Silver 60 times more than Gold or 11 times more than Gold. i.e. the consumption. What is also not told is the cost to extract the 11 gms of silver is less than cost of 1 gm of Gold. So the cheapness you are thinking is  not 100% true.
I wouldn't say that this is specific to student loans. I think nowadays debt is just becoming a bigger and bigger thing. Partially due to the increasing wage gap, as the standard of life moves up way faster than wages move up, debt becomes necessary. Also debt is a very appealing thanks to the interest rates people will pay, so more banks want to give them out, and more people want to take them to be able to go to good schools, own a nice house, etc. We've gone from a generation that expected to be able to earn and save up for everything within a reasonable time to one that normalizes debt as something that everybody just gets into to have a normal standard of life.
I like the user-driven aspect of Yelp. I can look and see a review posted last week that says such-and-such a business is still good. And it can be a restaurant or auto repair or a florist or an ice cream truck that sells meth out of an abandoned gas station. The idea of Yelp is still really good, it's just the corruption that's killing it.
"They didn't seem to have a problem with it before...  ...but hey, maybe the position of the loan officer is back.  Most of Americans, due to their migration down the wealth continuum, are unlendable.    Credit cards and payday loans for everyone! (the modern equivalent of ""let them eat cake"")  I'm waiting for the first company specializing in debt consolidation for the unbanked and undocumented to go public. (One day Americans are going to wake up and ask ""How did we become wet backs in our own country?"")"
Is there, like, any other goddamn example why that might be a good idea? Star Wars is such a freaking ridiculous outlier for merchandising sales. How much do your run of the mill franchises really make off their crappy swag?
Absolute shit negotiating skills from the guy that thinks he can start a business too. I can get being a cash strapped start-up, but he could have at least countered with a mix of cash and equity. Exposure is bullshit. If the idea is good enough someone will take a cash/equity mix or even all equity
To answer some parts of the question which are answerable as-is: Yes, mortgage interest is deductible. So is depreciation. See this question and others. It would be a good idea to put some money away for tax season, just as you should save some money to cover unexpected property expenses. But as @JoeTaxpayer says, this is a good problem to have, assuming you own the property, it's low-maintenance, your tenant is good, and your rent is at market levels.
In 2-3 years, if they are able to keep doors open without letting Countrywide or Merrill go, they will be a behemoth once again. Although I favor Citi over their peers due to thei consolidation efforts and global focus, you must be severely misinformed if you think BoA is worthless.
Naturally the advice from JoeTaxpayer and dsimcha is correct, every situation is different.  I will get reckless, go nuts and make a recommendation! You are young, childless for the time being.  Do the following with your money: ALTERNATE IDEA for #6 Fix yourself up for the long term first, then have a bit of fun, then get out of the house debt.  In that order.
so since it hit 18 the amount of debt decreased, wages for workers have fallen, price levels have increased across the board, and a dividend. How is it not that good of a buy? My price target is 23 conservatively but 30-40 in a year or three.
I feel like it's a valid question, people might think you're showing off or something. I'm a bit jelly myself. IMO, having a positive track record isn't convincing enough. It all comes down to if you have the confidence to maintain it. I think try doing it part time is a good idea.
question #2 - yes, 25% of your 1099 income. Good idea. It adds up quickly and is a good way to reduce taxable income.
"Their high savings isn't why they have to export capital, the issue is that domestic depositors don't have access to the sky-high interest rates over the last 2 decades in China. There is definitely correlation between asset levels and debt.  I miss-typed in my previous post. I meant to say that the amount of debt is overstated, precicesly because wealth is high relative to income due to the high savings rate.  Ultimately, there isn't a good answer yet to your question. The seminal work (which has received many updates in the last 6 years) that first attempted to understand the disconnect between the ultra-high interest rate in China and the high levels of capital exports is called ""Growing Like China,"" by Song, Storesletten, and Zilibotti published in the American Economic Review in 2011.  Global debt according to the IIF is 327% of GDP. So China is actually a little below average in terms of total debt to GDP. And when you're growing at 5%+ a year, it is okay to lever up a little bit.   On top of all of this, the Chinese government is well aware of these issues and will almost certainly make some comments October 18th and over the next week about constraining debt growth.  This is all complicating the issue though, when you have a huge supply of money to lend, interest rates fall and companies take on more debt. So in general you would expect savings and debt levels to move together."
What I think Warren means is that people like him are really good at making money and setting things up to continue being rich. In Warren's case he's very good at evaluating businesses and if they would be good investments. In the micro this isn't really a problem. Instead the problem is on the macro-level. When enough potential market participants (i.e. people / businesses) aren't enabled to participate in the economy in the same way. This feeds into a growing wealth inequality. The people who have the resources to continue playing the game can also continue with more chances. It's a Pareto Principle situation. No opportunity to play, little to improve, and a continually disadvantaged population. Add time into the soup. Rich get richer, the poor poorer, the gap widens more. Add inflationary mechanics, and the fact that being poor is more expensive. Add debt and an inability to purchase for long term solutions. You get a situation where 99% of the money is cycling around in the top 1% of players.  The other 99% of potential market participants are poorly utilized up to the point where their wealth is something they have trouble spending for things like...healthcare.  The idea of poorly utilized market participants is key. A growing economy wants more bandwidth. It wants more agents or market participants contributing to the flow. Get rich enough and you'll find you can't spend more than the interest on investments. On the contrary if you don't have very much money, it's easy as hell to spend it quickly! It's straightforward to say that if more of the global population weren't in debt, if they weren't in a state where they can't participate in economic growth, then maybe the economic growth of human society wouldn't be so bottle-necked.
Not a financial adviser, but I think there is some amount of debt that's ok.  So I wouldn't suggest someone should go $200k into debt for a BA in English, but if you went somewhat into debt, say $30k, for a major with good job prospects and a high salary, it will probably be a good decision.  Which is exactly what I did, and it worked out very well for me.  I would advise students to apply to lots of schools with different entry requirements and tuition rates, just to see what their financial aid packages are like.  Very often if a $50k a year school really wants you, they'll give you some scholarships to make it more affordable.  If they don't give you enough, then you may just need to go to a cheaper school.   edit: also, if your family isn't wealthy (like mine) you'll often qualify for federal loans.  My loans from 2012 are at 3.5% interest, and my financial adviser is telling me to make the minimum payments so I can put more money in stocks.
"You have no clue about reality do you? Do you realize the national DEBT is what YOU have to pay? Do you realize that MOST of that is PENSIONS? Do you realize that NONE of them are ""funded""? Do you realize that you will NOT get a pension?  mid 20's? You're one step away from thinking George Washington was a BORING person. You have NO idea what a BILL you're being handed to comfort undeserving parasites."
Good point, but the idea I was getting at is that the money was already allocated for this purpose as it is regularly with every pay day.  The idea that some people should not get unemployment insurance payments because they happen to live in households that retain high income is not trivial and at very least should be put before a vote of representatives.
"I agree with you the practical knowledge and experience is way more important than a piece of paper.  Bill Gates did not need to finish college to do what he did. Check many many extremely successful people and how much college they had.  But ""faking"" that you have a degree is not a good idea.  Confronting HR that you deserve the position and promotion despite lack of diplomas is a better way."
"No, investing in gold is a bad idea. Gold at these prices is completely useless. There are many other precious metals that are far more useful.   It seems highly unlikely you will make a large return and the downside is huge. If the world economy is stabilised gold will halve very quickly, perhaps more.   A great piece of advice I have had while investing is ""if the shoe shine boy tells you to buy; sell"", i.e. when the general public think it is a good idea to invest in a certain product you have already missed the boat.  You have missed the gold boat.  Unfortunately most safe heavens are exhausted: chf, jpy, gold, etc. At the moment there aren't any safe places.  NOK is probably your best bet but beware of intervention (see EURCHF around sep last year)."
"It may seem like you cannot live without this trip, but borrowing money is a bad habit to get into.  Especially for things like vacations.  Your best bet is to save up money and only ever pay cash for things that will decrease in value.  Please note that while it is a bad idea to borrow money for things that decrease in value, the ""opposite"" is not necessarily true.  That is, it is not necessarily a good idea to borrow money for things that will increase in value; or, will earn you income. False assumptions can cloud our judgement.  The housing bubble and the stock market crash of 1929 are two examples, but there are many others."
The idea of government is a good idea... the organism of Humanity coming together to pick a single unified direction for itself. It's kinda like how I like to think our cells evolved to work together in such a unified manner. We just are still working out the kinks in our systems. IT hasn't really taken hold yet, will be fun to see what a technocracy looks like... soon.
It is always a good idea if you are worried about customer service and hidden gotchas to visit http://getsatisfaction.com - they operate as an independent complaint board for many companies. http://getsatisfaction.com/bankofamerica for example alerts you to many problems with using BofA. In addition, googling for common complaint terms is a great idea.  It's easy to learn why bank of america sucks and to see that not too many people think bank of america rocks.
&gt; Paternity leave. The situation now allows managers to hire a man over a woman because he can't take off when he has a child. Requiring that he be offered the same or similar option reduces or eliminates that incentive for hiring a man instead of a woman.  This is a good idea.  Of course, with every upside there is a downside. The downside is that it will become an age-discrimination thing, and all people under 40 will have a harder time getting jobs.  **edit: took the wrong quote**
qe is evaporation - (using taxpayers money) pension funds, retirement benefits and all entitlements is going to fade, will vanished in thin air. qe are waiters - simply waiting day and night for growth, for recovery. qe is thirstiness - it dries up the u.s.a. treasury. qe is debt - a never ending debt. keep in mind there is no such thing as unlimited debt or debt unlimited. don't be fooled. qe will going to keep you in good sleep - but will wake you up bankrupt. qe is not an answer - it is the culprit. qe is universal - it was copied all over the world (worldwide). qe is an absolute solutions (yes!!! for all dumb economists) - a 100percent “hopeless, desperate, solutions”. qe to be specific is going back again to the 1930's depression or the great depression part 2 – yes!!! precisely but with a ""big bang"". qe before is only a staggering risk. today it is now “debt impregnating” - simple as, it keeps on giving birth (by the hour, the minutes, the seconds) and after eight long years the final, the end result is massive “pure debt”. very sorry to say, not growth (and) or definitely not recovery. qe is a dying move - no one, not one ever dared to affirm, to attest, to certify, that this is a “correct solutions”. qe is mad - it will make you crazy because of ""debt"". qe is the only options - yes!!! absolutely, when your big brains is ""not working"". qe is easing the pain - correct!!! for a very short period of time, but will going to ""destroy"" the economy in the long (or short) run. qe is history - it will haunt you forever and ever. qe - what more can i say? fb: thegreatdepression.part2@yahoo.com"
&gt; Using debt to increase your intrinsic value is a wise investment.  Do you believe this kind of belief perpetuates the problem? If you look at the data, roughly 20% of college graduates will do *really well* for themselves, which is difficult to ignore. But when you look at the remaining 80% of graduates, the income distributions start to look a lot like those who have less education.  You being a financial advisor, I'm sure you are aware that the early years are the utmost important ones for saving. The prevailing idea has been that a degree will earn you more than the other opportunity costs over the remainder of your career, but that is based on the aforementioned top 20% who really serve to skew the data to the casual calculator.  With that, the typical highly education person ends up getting hit with no only massive debt, but loses a ton of early earning potential, and often cannot convert that education into a higher income than anyone else. It comes as no surprise to me that this group has the biggest debt problems.
"You have absolutely no concept of a business plan if you think 30-50 pages is going to be read. I have to agree with the guy you called an idiot, this whole thing is a pipe dream and your idea has either been done and failed or you haven't done the research to see that it's already a thing. Your friend has no concept of what a patent is and you have no idea how businesses are run if you're ""rough estimate"" is 2-3 *million dollars*. I have a feeling you have no concept of the value of a million dollars to begin with. Scrap this bullshit idea, go start a lemonade stand or something and get an idea of what business is before you go spouting off shit like this. You sound like a stupid kid."
I cant speak for years ago, it coukd be that amazon took those articles to heart and changed its policies. Whatever the case, Amazon is one of the top employers in my area, and for good reason. The only thing i cant say anything aboit is career advancement, but even that is decades ahead of the competition. Free textbooks, company pays a portion of tuition, and automatic time off to attend school if you want it. The only condition is to stay actively enrolled with good grades, and be in one of a few specific fields of study (the idea is that amazon is investing in a skilled employee that it needs)
There is a thing called the consumer price index (CPI) There is a basket of goods that the people who keep the index basically shop for.  It is much more detailed for the sake of accuracy, but bottom line is they shop for the same stuff each year.  They measure the difference from year to year and that gives you a pretty good idea of inflation from a regular person point of view. http://www.inflationdata.com/Inflation/Consumer_Price_Index/HistoricalCPI.aspx But it isn't without its faults, people bicker about the methodology and what constitutes the index. http://www.investopedia.com/articles/07/consumerpriceindex.asp?viewed=1
Taxes should never be hated. It should be an honor to contribute toward the common good of the nation. It used to be this way until they were made into a political weapon. Our nation used to raise taxes when we held debt and lower taxes when debt was low. Instead, this bullshit idea that taxes are bad was crammed down peoples throats, and now we're sitting at a significant debt that really started to take off with Reagan.
I believe it was for 99 years if I remember. But you are correct with everything else. If I remember it was only for one billion as well. Not much at all when you consider Chicago is the third largest city and it's for a century. Who the he'll thought it was a good idea to sell those rights I have no idea but they made out like a bandit
A debt is created when the service is rendered or the goods are sold to you.  The bill is simply a way of recording the debt and alerting you to it.
The key is to shift the tax burden to the rich and the assets they own that earn money from your economy.  Once you do that, the debt is just a measure of how much of the money that was created so the rich could earn more of it and get richer do some rich have to pay to the other rich at some point in the future.  There isn't a reason to care about that.  Right now, because we haven't done that, we need to keep creating debt to keep pumping new money into our economies to keep them running.  The alternative is letting them stop running.  That's not a good option.
Buying this car would be a good idea because you will quickly learn why you feel you need a BMW (that you cannot afford).  This is not an investment, but a financing decision, beyond your means of living. As a future MBA you will regret not investing this money now.
Once a debt has gone to a debt collector, you have to work with the debt collector to settle your debt. Essentially, the department store sold your debt to the debt collector so they don't have to deal with it anymore. You have rights when contacted by debt collectors. You can negotiate a deal so that the amount you actually pay is lower than what you owe. It is illegal for them to quote you for a higher amount than what you actually owe! Also, they can't threaten you or pretend to be a credit bureau. Your best bet is to work with them and negotiate a better payment. Don't give up. Collectors often times purchase the debt for a very low amount, so even if you pay less than what you actually owe, the collector will still make a profit.  https://www.credit.com/debt/collections-crash-course/
"I've been down the consolidation route too (of a handful of DC pensions; the DB ones I've not touched, and you would indeed need advice to move those around). What you should be comparing against is: what's the cheapest possible thing you could be doing?  Monevators' online platform list will give you an idea of SIPP costs (if your pot is big enough and you're a buy-and-hold person, ATS' flat-fee model means costs can become arbitrarily close to zero percent), and if you're happy to be invested in something like Vanguard Lifestrategy, Target Retirement or vanilla index trackers then charges on those will be something like 0.1%-0.4%.  Savings of 0.5-1.0% per year add up over pension saving timescales, but only you can decide whether whatever extra the adviser is offering vs. a more DIY approach is worth it for you. Are you absolutely sure that 0.75% pa fee isn't on top of whatever charges are built into the funds he'll invest you in?  For the £1000 fee, advisers claim to have high costs per customer because of ""regulatory burdens""; this is why there's talk of an ""advice gap"" these days: if you only have a small sum to invest, the fixed costs of advice become intolerable.  IMHO, nutmeg are still quite expensive for what they offer too (although still probably cheaper than any ""advised"" route)."
There are many great performers who will make your children’s  party a great way.  A DJ entertainer is one that is certainly a good idea to consider. Children DJ  Entertainment may just be what you need to ensure a successful kids party.  Our experienced DJ performers will keep the party moving and keep the kids busy with fun and excitement for the duration of the celebration. No matter how many party supply catalogs you look.
Are you considering using it?  Is that the point of the post?  If that's the case, I would say it's always a good idea to fully leverage your assets for investment.  I recommend leveraging everything you can to maximize your profits.  If you own a house, car, or anything else of value, you should use it as collateral.  Then, typically any stock trading for $0.01 is a good investment - they almost never go to $0 and all it takes is a movement of $0.01 to double your money.  Roulette also has similar payouts, but remember to always bet on red, never black.  Good luck - send pictures of your mansion soon!
&gt; this tech boom is different  I remember hearing that so often last time, lol.   There is a lot of consolidation among the big 4 or 5. Amazon for example doesn't turn a profit, or give dividends. so you buy it for growth. after amazon eats the grocery sector few options are left. the remaining consumer sectors are smaller and either already being consumed by very entrenched rivals (media) or already being eaten by amazon(consumer goods). I don't see an easy next move for them. real estate? health care? other countries?
I'm a senior near getting my BS in Finance,  is getting my series 7 before I graduate feasible/ a good idea? I would like to move into investments upon graduating.  I currently work as a Teller for BB&amp;T (southern regional bank).  Thanks for your help!