vania-janet/multiturn-rag-retrieval-data huggingface dataset:
The standard answer I have heard is that if you were to purchase term life insurance and invest the difference between the cost of the policies, your investments would grow larger than the cash value of the insurance. Also when you take cash out of CVLI the insurance value drops by a like amount. So you can't have your cake and leave it to your heirs too. Either you get the cash value OR they get the insurance value. Hopefully, there could be some of both. Although I believe the philosophy of that answer I have two issues with it. First, you must be dedicated enough to invest the difference every month. I can imagine that might be tough to do consistently and if you take breaks from the investing will you still accumulate more than you would have with the insurance? Second, for the past couple of years all of my investments in mutual funds have lost value. My life insurance has continued to grow cash value over the same time period. Hmm, maybe there isn't a one size fits all solution. If you need a large amount of insurance, term life will certainly be more affordable. However, considering this as an investment I would not expect that to be a deciding factor. Good luck with your decision. It is great that at such a young age you are concerned about investments.
I think most conclude that kitchen remodeling comes closet to paying for itself, and bathrooms come next. New windows are also up there. I don't have studies to prove this, but my guesses would be: Replacing something that is basically nice with a different style will rarely pay for itself. Like, replacing oak cabinets with cherry cabinets. Replacing something that is in terrible shape with something decent is more likely to pay back than replacing something decent with something beautiful. Like if you have an old iron bathtub that's rusting and falling apart, replacing it may pay off. If you have a 5-year-old bathtub that's in good shape but is not premium, top of the line, replacing it with a premium bathtub will probably do very little for resale value. If you can do a lot of the work yourself, the story changes. Many home improvement jobs don't require a lot of materials, but do require a lot of work. If you do the labor, you can often get the job done very cheaply, and it's likely that the increase in resale value will be more than what you spend. For example, most of my house has hardwood floors. Lots of people like pretty hardwood floors. I just restained the floors in two rooms. It cost me, I don't know, maybe $20 or $30 for stain and some brushes. I'm sure if I tried to sell the house tomorrow I'd get my twenty bucks back in higher sale value. Realtors often advise sellers to paint. Again, if you do it yourself, the cost of paint may be a hundred dollars, and it can increase the sale price of the house by thousands. Of course if you do the work yourself, you have to consider the value of your time. (c) To make your home more pleasant to live in. This is totally subjective. You have to make the decision on the same basis that you decide whether anything that is not essential to survival is worth buying. To some people, a bottle of fancy imported wine is worth thousands, even millions, of dollars. Others can't tell the difference between a $10,000 wine and a $15 wine.
He criticized the council’s decision to award raises to employees two weeks before issuing the emergency declaration. ""I’m concerned that the simple solution would be to raise taxes than to address some of the issues under the control of the town manager,"" Freeman said in an interview. ""The compensation for a small town is unaffordable.” Priebe said the town’s costs are low compared to others in the county and that it must remain competitive. ""If we offered no raises, we would lose people."""
I happen to be one such person. When I looked at what I was being offered for a lump sum, then shopped around to see what annuity I could replace it with, the difference between retail and wholesale was blindingly obvious. GM was offering me the wholesale cost (or less), while all the replacement annuities (retail prices) were offering me 1/2 the monthly payment that I'm expecting from the GM pension.   After the financial market's meltdown in 2008 lost me between 45 and 55% of my mutual funds' values (some lost more than others), I no longer have the fantasy belief that I can do better managing my money than professional investors. Learning that lesson cost me about $75k - which is several times the amount that I was offered for a buy out. As someone in my 50s, I am far more concerned about outliving my money than I am concerned about having a larger stash of chips. I won't be making $100k/year forever, as age discrimination in software development is widespread, and all the developers I personally know who are older than me, they all mention hitting brick walls getting hired when they hit 54-55 years old.   You may notice from the article that this is only for the salaried workers. The hourly workers are due to be shafted some other way.
"No , that's actually not what I""m talking about.  There is coming a time where there is no wage that is sufficient to live in any reasonable conditions due to housing being a rigged game for the people already in ownership of it."
Pre-finance major here and new to this sub. Quick background, I’m 18 and I’m starting school at the University of Iowa in January.  My question is: what resources are out there that you would recommend to help me get introduced to the world of finance? Could be books, online courses, videos, etc. and could be on any subject within the umbrella of finance.  Thanks in advance for any recommendations!
I prefer the TD Gold Elite Visa issued by TD Canada Trust.  The card offers a 1% cash back reward, and I can completely avoid the annual fee by maintaining a minimum balance in my TD bank account.  In addition to the 1% cash back, other features that I like on the card are: There are some other features (see complete list here), but those are the ones I care about. I used to carry both Aeroplan and Air Miles type of reward cards, but when I wanted to book a flight and discovered the hassle involved, the value of travel points evaporated as far as I was concerned.  I also decided I would never again pay an annual fee to earn rewards; it's counter-productive.
We did a Five Forces/SWOT analysis/Value Chain analysis = We didn’t really do any of that, but none of you probably even remember Michael Porter, so what the heck 31. It was a perfect storm = We really screwed up but we’re going to blame a bunch of factors that are out of our hands (especially weather) 32. At the end of the day…. = OK, enough talking back and forth, we’re going to do what I want to do 33. Who’s got the ‘R’? [i.e., responsibility to do what we just spent 20 minutes talking about aimlessly] = If I ask the question, it won’t be assigned to me 34. Let’s put lipstick on this pig = plug your nose 35. I’m putting a stake in the ground here… = I’m a leader, simply because I’m using this cliche 36. We’re customer-focused/proactive/results-oriented = That can’t be bad, right? This is motherhood and apple pie stuff 37. Our visibility into the quarter is a little fuzzy = Sales just fell off a cliff 38. That’s not our core competency/we’re sticking to our knitting = We’re just glad we’re making money in one business, because we’d have no clue how to get into any other business 39. Well, we’re facing some headwinds there = You put your finger on the area we’re panicking over 40. It’s a one-off = Do whatever they want to close the sale 41. Incent it = That’s not a verb but I just made it into one because I’m a man/woman of action 42. I’m an agent of change = This makes it sound like I know how to handle the chaos that our business is constantly going through 43. We’ve got to do a little more due diligence there = Don’t have a clue but does that legal term make me sound detail-oriented? 44. Don’t leave money on the table = Be as greedy with them as possible 45.
We don’t have enough boots on the ground = I don’t want to be fired for this disastrous product/country launch, so I’m going to sound tough referring to the military and say I don’t have enough resources 21. Deal with it = Tough cookies 22. By way of housekeeping = This makes the boring stuff I’m about to say sound more official 23. That’s the $64,000 question [sometimes, due to inflation, people will denominate this cliche in millions or billions of dollars] = I don’t know either 24. Let’s square the circle = I’m someone who can unify two team members’ views and sound important 25. It’s our cash cow/protect/milk the cash cow = If that business goes south, we’re all out of a job 26. It’s about synergies/1 + 1 = 3 = I don’t get the math either, but it sounds like more and more is better, right? 27. Who’s going to step up to the plate? = One of you is going to do this and it’s not going to be me 28. We’re eating our own dog food = It sounds gross but we seem like honest folks if we do this. 29. We need to monetize/strategize/analyze/incentivize = When in doubt, stick “-ize” on the end of a word and say we’ve got to do this and 9 out of 10 times, it will sound action-oriented. 30. We did a Five Forces/SWOT analysis/Value Chain analysis = We didn’t really do any of that, but none of you probably even remember Michael Porter, so what the heck 31. It was a perfect storm = We really screwed up but we’re going to blame a bunch of factors that are out of our hands (especially weather) 32. At the end of the day…. = OK, enough talking back and forth, we’re going to do what I want to do 33. Who’s got the ‘R’?
Like how the Great Instagram Purge of 2015 saw large accounts lose millions of followers? Haha. I can only imagine people stopped paying so much for followers after that. I’m not sure what algorithm they use to find fake users but I’m sure it can’t be hard to trick with a bit of randomizing content. I’m sure bringing Instagram to the web didn’t help there either.
Conservative = erring on the side of ascribing a higher EV to the business. Because if you're someone looking to acquire the business, for example, and let's say we're talking about a business that has debt which trades at a discount, it's more conservative to assume that the debt can't necessarily be restructured.  To use an extreme example, as you're valuing the business, would it be conservative or aggressive to assume that the debt got magically wiped out altogether? So that's why I'm saying that it's more conservative to use the book value of the debt.
Yeah, after considering your advice from before, I did a bit of research, and I see that the market average return each year is about 7%, which beats the rate at which my car is financed by 2% and my student loans by 1%, so maybe I should be less concerned about paying those down and more concerned about starting to invest well. Again, your advice is very much appreciated.
"I was able to find a fairly decent index that trades very close to 1/10th the actual price of gold by the ounce. The difference may be accounted to the indexes operating cost, as it is very low, about 0.1%. The index is the ETFS Gold Trust index (SGOL). By using the SGOL index, along with a Standard Brokerage investment account, I was able to set up an investment that appropriately tracked my gold ""shares"" as 10x their weight in ounces, the share cost as 1/10th the value of a gold ounce at the time of purchase, and the original cost at time of purchase as the cost basis. There tends to be a 0.1% loss every time I enter a transaction, I'm assuming due to the index value difference against the actual spot value of the price of gold for any day, probably due to their operating costs.  This solution should work pretty well, as this particular index closely follows the gold price, and should reflect an investment in gold over a long term very well. It is not 100% accurate, but it is accurate enough that you don't lose 2-3% every time you enter a new transaction, which would skew long-term results with regular purchases by a fair amount."
Neither of those links disagree with me to be honest. And the first one seems conservative relative to other reporting.  &gt; I mean yes, you’re all there together, but if you and I are doing ostensibly the same (and possibly dangerous) work, you’re getting rich and I’m not….  I was once in their place too (presuming we are talking about military). They know that. Any anger I have seen from military people is from either senior enlisted (who are mad that they didn't get out and make a better life for themselves) - and senior enlisted are lower on the totem pole than security contractors so no one gives a fuck about their gripes - and some officers. The best part about being on the top of the security contractor food chain is that you worked for the State Department so you could be openly shitty to military people who copped an attitude of any sort.  &gt;Strange also that taxpayers don’t care more about this, although….perhaps not. The amount of bullshit is just too overwhelming.  I'm not sure there's a lot to care about. If you asked a random person if they would be willing to go through 4-8 years of military to have a potential shot at getting a job that pays like that one did, but it's in the most violent city on Earth, I imagine they would answer with a resounding no.  &gt;Sounds like you could tell lets of stories about the women, though I’m not sure I want to hear them after a good lunch, and I’m pretty sure you don’t want to remember.  Good choice.
54. My 2 cents is… = This opinion is worth a heck of a lot more than 2 cents 55. I’m going to sound like a broken record here… = I want to clearly point out to you idiots that I’ve made this point several times before 56. We’ve got too many chiefs and not enough Indians = I want to be the Chief 57. Going forward = Don’t screw up like this again 58. My people know I’ve got an open door policy = I’ve told my direct reports to come to me if they have a problem, so why should I feel bad if they complain I’m too busy to talk to them? 59. It’s gone viral = Someone sent a tweet about this 60. I know you’ve been burning the candle on both ends = Get ready to do some more
I/we/you don’t have the bandwidth = Since we cut 60% of our headcount, we’re all doing the job of 3 people, so we’re all burned out 12. This is where the rubber meets the road = Don’t screw up 13. Net net/the net of it is/when you net it out = I never studied finance or accounting but I sound like someone who can make money if I keep talking about another word for profit 14. We’ll go back and sharpen our pencils = We’ll go back and offer you the same for 20% less in hopes you’ll buy it before the end of the quarter 15. It’s like the book “Crossing the Chasm”/”Blue Ocean”/”Good To Great” / “Tipping Point” / “Outliers” = I’ve never read any of these books but I sound literate if I quote from them. And, besides, you cretins probably never read them either to call me out on it 16. Let’s right-size it = Let’s whack/fire a bunch of people 17. It’s next-gen/turn-key/plug-and-play = I want it to sound so technical that you’ll just buy it without asking me any questions 18. We need to manage the optics of this = How can we lie about this in a way people will believe? 19. This is creative destruction = I’ve never read Joseph Schumpeter but our core business is getting killed so it’s your responsibility to come up with a new product the market will buy 20. We don’t have enough boots on the ground = I don’t want to be fired for this disastrous product/country launch, so I’m going to sound tough referring to the military and say I don’t have enough resources 21. Deal with it = Tough cookies 22. By way of housekeeping = This makes the boring stuff I’m about to say sound more official 23. That’s the $64,000 question [sometimes, due to inflation, people will denominate this cliche in millions or billions of dollars] = I don’t know either 24.
I genuinely would like to, but this is still a very contentious subject and I am concerned about blowback from my little bit segment of the community. That makes me unwilling to be a whistleblower in a formal setting. Unfortunate situation all around. But there is growing literature on the reproducibility problem, so you can find a lot of commentary and published data on the situation.
I think there is some confusion. I am saying I don’t understand. Not that “the point is not understandable”. I make these comments in hopes that someone can educate me. Yet I’m downvoted and criticized and receive none of the info I was curious about. Is there a sub that discusses economics as opposed to shouting down people that have questions as having bad logic?  Could you help me phrase my lack of understanding in a way that conforms to the expected decorum on this subreddit?
So what you’re saying is that the undergrad level text (fundamentals of blablabla) is good enough to get a decent understanding of the concepts?  I’m a bit confused of the two bcs for e.g. take Hull, the grad level book is more widely recommended. I’ll graduate very soon, enter the workforce, and plan to go to a grad school several years down the line. Now, being in a sort of break point, I’m not sure which one I should go for. I do have an exposure to read some finance texts, but not a lot—introductory chapters here &amp; there—and would prefer texts that are not super dry.  What do you think?
Siri isn't all that bad in my opinion and works well for what I need it to do. Maps, on the other hand, is complete garbage. It usually gets me to where I need to go, but feels very clumsy and uses tons of battery. The complete lack of data is another turnoff. Personally, I'd say that whoever decided to nix the Google Maps app is the bigger idiot. All that really needed to be done was integrate the turn by turn directions (rather than watching a tiny dot moving around).
Fundamentally interest rates reflect the time preference people place on money and the things money can buy. If I have a high time preference then I prefer money in my hand versus money promised to me at some date in the future. Thus, I will only loan my money to someone if they offer me an incentive which would be an amount of money to be received in the future that is larger than the amount of money I’m giving the debtor in the present (i.e. the interest rate). Many factors go into my time preference determination. My demand for cash (i.e. my cash balance), the credit rating of the borrower, the length of the loan, and my expectation of the change in currency value are just a few of the factors that affect what interest rate I will loan money. The first loan I make will have a lower interest rate than the last loan, ceteris paribus. This is because my supply of cash diminishes with each loan which makes my remaining cash more valuable and a higher interest rate will be needed to entice me to make additional loans. This is the theory behind why interest rates will rise when QE3 or QEinfinity ever stops. QE is where the Federal Reserve cartel prints new money to purchase bonds from cartel banks. If QE slows or ends the supply of money will stop increasing which will make cash more valuable and higher interest rates will be needed to entice creditors to loan money. Note that increasing the stock of money does not necessarily result in lower interest rates. As stated earlier, the change in value of the currency also affects the interest rate lenders are willing to accept. If the Federal Reserve cartel deposited $1 million everyday into every US citizen’s bank account it wouldn’t take long before lenders demanded very high interest rates as compensation for the decrease in the value of the currency. Does the Federal Reserve cartel affect interest rates? Yes, in two ways. First, as mentioned before, it prints new money that is loaned to the government. It either purchases the bonds directly or purchases the bonds from cartel banks which give them cash to purchase more government bonds. This keeps demand high for government bonds which lowers the yield on government bonds (yields move inverse to the price of the bond).
&gt;The starving man has no means with which to attain a million dollars because he is incapable of contributing to society on that scale, the same would be true whether he was cast out to antarctica with a million dollars in a suitcase or put out on a curbside with nothing.  You failed to ask any necessary questions to establish context.  You made your assumptions on his value based on the notion that a starving MUST not have a way to contribute to society.  That same man may have been a scientist studying in the Antarctic when circumstances created by a storm caused him to lose sight of his base, and unable to make contact with anyone via his satellite phone.  The storm lasts for 5 days, the last 3 of which he is starving.  He survives and makes it back to base, but during those last days, he would have given anything for an egg.  This is caused circumstantial value.  His circumstances, no matter how temporary, added value to that egg that would not exist otherwise.  He was and is still a valuable asset to the world.  But he was economically dismissed by /u/rdrptr because of shortsitedness.  Tell me again how a mother’s love has no bearing on economic systems?  How can my system be more flawed than yours, when you fail to recognize influences that shaped your own perceptions of economics, values, and life in general?  I’m not tossing out age old, established, economic theories.  I’m disagreeing with your interpretation of those theories.
"**Here's a sneak peek of /r/AskTrumpSupporters using the [top posts](https://np.reddit.com/r/AskTrumpSupporters/top/?sort=top&amp;t=all) of all time!** \#1: [What do you think about reports that Trump revealed highly classified info to Russian diplomats in their meeting last week?](https://np.reddit.com/r/AskTrumpSupporters/comments/6bd5dx/what_do_you_think_about_reports_that_trump/) \#2: [This week Anthony Scaramucci called up a New Yorker reporter to say ""Reince is a f-cking paranoid schizophrenic,"" ""I’m not Steve Bannon, I’m not trying to suck my own c-ck,"" and ""I want to fucking kill all the leakers."" Are you okay with this kind of rhetoric and language from the administration?](https://np.reddit.com/r/AskTrumpSupporters/comments/6q39ru/this_week_anthony_scaramucci_called_up_a_new/) \#3: [Trump cut off an interview with ""Face the Nation"" after the host pressed him on his claims that Obama wiretapped him, saying, ""I have my own opinions. You can have your own opinions."
I supported my claims with research from pew.  You can ignore it and continue to parrot Trump talking points or you can look at it and make the connection.  I’m not going to hold your hand.  It’s not my problem if you’re too stupid to understand the implications of the data I linked.    You may not have voted Trump but you do a great job parroting his talking points.  Were you also the type of person saying both sides are the same during the election.  You clearly have very nuanced views...
My love for Netflix is posted in /r/economy due to the fact that my love for it is simply because of the economic benefit. No, I am not considering investing, though I posted it in this subreddit due to the fact that my love for it is the money I save off of paying the $10 a month for multiple movies that would cost more elsewhere.
"Delta airlines like most of corporate america basically amounts to an organization of thieves. They wasted 2 hours of my time with this same bait and switch tactic this author wrote about. You hit purchase button, and the fair goes up ""due to demand"".  Just like the author I went back through the website and tried to buy the ticket again, which was still being advertised at the original price only to have the same message at the end of the process, saying ""due to demand the ticket price has gone up""  Charlatans, thieves, assholes! Wasted so much of my time today! How can this be legal??? I hope Delta goes out of business. They certainly wont get any more of mine!"