vania-janet/multiturn-rag-retrieval-data huggingface dataset:
You've already received good advice here, pay off the highest rate card first, in this case the Best Buy card. I completely agree. To answer your question about the minimum payment, I can't guarantee that this is how Citi does it on your particular card, but several online calculators seem to use the following formula. Minimum Payment = Fees + (APR / 12) x Balance + 1% x Balance. I plugged in your numbers and got really close to the minimum payment you mentioned. I ran calculations for balances of 8,500 and 6,500 and got payments of $184 and $141. You can use this calculator to plug in some numbers for yourself. I found the formula on this page along with a reference stating that Citi uses the formula. Edited to Add: As Bruce Alderman mentioned in his answer, it's probably not a good idea to just pay the minimum. That calculator I linked to shows the difference between paying the minimum and even a small amount ($50 or so) more than the minimum every month. Something like the difference between 3 and 10 years.
Florida Med Doctor Office Space is the first and only reliable option for finding the right location to carry out your medical practice in Florida. We work together with a number of different medical personnel to locate prime medical real estate property that is perfect for having a medical unit.
The formula for determining the number of payments (months) you'll need to make on your loan is:  where i=monthly interest rate (annual rate / 12), A=loan amount (principal), and P=monthly payment. To determine the total interest that you will pay, you can use the following formula:  where P=monthly payment, N=number of payments (from above formula), and A=loan amount (principal). A quick example: using the numbers in the screenshot above ($10,000 loan, $500 monthly payment, 10% APR), the number of payments ends up to be 21.97 (which means that payment number 22 is slightly less than the rest).  In the second formula, you take that number times your $500 payment and determine that you have paid $10,984.81 over the course of the entire loan period.  Subtracting the principal, you have paid $984.81 in total interest. On your spreadsheet, the function you are looking for is NPER: NPER(rate, payment_amount, present_value, [future_value, end_or_beginning]) rate - The interest rate. (This should be the monthly rate, or the annual rate divided by 12.) payment_amount - The amount of each payment made. (For a loan payment, this should be a negative number.) present_value - The current value of the annuity. (The initial principal of the loan) future_value - [ OPTIONAL ] - The future value remaining after the final payment has been made.  (This should be 0, the default if omitted.) end_or_beginning - [ OPTIONAL - 0 by default ] - Whether payments are due at the end (0) or beginning (1) of each period.
Drug abuse is accepted reliable manuscripts base on mental health, neurological and substance abuse problems and service systems. We provide the best Drug addiction program in the United States.The indication of substance abuse is the addiction or dependence that has continued in spite of facing the side impacts or negative outcomes because of the utilization of that substance. There are experts who give treatment to substance utilize clutters.
If you do your homework on the front end, so can find reliable, quality suppliers.  You can avoid scams and fraud.  And you can then avoid the path of last resort, the Alibaba Fair Play Fund.  And the Fair Play Fund is not a bad thing - it helps compensate users who have lost money - but avoiding it is critical.
The principal of the loan is the amount you borrow.  The capitalized interest is added to the principal of the loan, because you are not paying this interest as it accrues.  So when you begin payments, the principal of the loan is $5,500 + $436 = $5,936. Using the standard amortization formula (see this page for details), the per-month payment for a ten-year payment plan at 6.8% interest on principal of $5,936 is $68.31.  One hundred twenty payments (each month for ten years) totals $8,197.40.
That is a pretty exclusive club and for the most part they are not interested in highly volatile companies like Apple and Google. Sure, IBM is part of the DJIA, but that is about as stalwart as you can get these days. The typical profile for a DJIA stock would be one that pays fairly predictable dividends, has been around since money was invented, and are not going anywhere unless the apocalypse really happens this year. In summary, DJIA is the boring reliable company index.
As for a formula, there isn't a simple one that you can apply to every type insurance. I'll try my best for a simple answer. Is the event devastating enough to change your lifestyle (looking at life necessities, not wants and nice to haves)? Is the event very likely to happen? Do you have enough emergency funds to cover such an event? Once that emergency fund is utilized, how long does it take you to restore that fund to be ready for the next event? If the event is devastating enough and is very likely to happen and you do not have the cash to cover the event, and/or it would take too long to restore that emergency fund, then it makes sense to consider insurance. Then you would have to examine if the benefit(s) outweight cost of the premium paid for the insurance. If it is pennies of premium for a dollar of benefit, then it makes sense.
Yeah, the 12% assumption is divorced from reality.  That is a full 5% higher than the real return on the S&P for the last sixty years. But buying a used car rather than borrowing for a new one is solid-gold advice.  It may take more iterations to get to the nice car because of things like taxes, transaction costs, repairs, etc., but staying out of debt (or saving up as much as possible to get a reliable car) is excellent advice.
John Person has a pattern called the High Close Doji that is probably the most reliable signal in the world of candle patterns. I would check out Candle Stick and Pivot Point Trade Triggers. It all I use in trading stocks + forex.
The general concept is that your money will grow at an accelerating rate because you start getting interest paid on your returns in addition to the original investment. As a simple example, assume you invest $100 and get 10% interest per year paid annually. -At the end of the first year you have your $100 + $10 interest for a total of $110. -So you start the second year with $110 and so 10% would be $11 for a total of $121. -The third year you start with $121 so 10% would be $12.10 for a total of $133.10 See how the amount it goes up each year increases? If we were talking a higher initial amount or a larger number of years that can really add up. That is essence is compound interest. Most of the complicated looking formulas you see out there for compound interest are just shortcuts so you don't have to iteratively go through the above exercise a bunch of times to find out how much you would have after some number of years. This formula tells you how much you would have(A) after a certain number of years(t) at a given interest rate(r) assuming they pay interest n times per year, for example you would use 12 for n if it paid interest monthly instead of yearly. P represents the amount you started out with. If you keep investing monthly (as shown in your example) instead of just depositing it and letting it sit, you have to use a more complicated formula. Finance people refer to this as calculating the future value of an annuity. That formula looks like this: A = PMT [((1 + r)N - 1) / r] x (1+r) A : Is the amount you would have at the end of the time period. N : The number of compounding periods (months if you get interest calculated monthly) PMT : The total amount you are putting in each period (N) r: Just like before, the interest rate you are getting paid. Be sure to adjust this to a monthly number if N represents months (divide APR by 12)* *Most interest rates are quoted as APR, which is the annualized interest rate not counting compounding.
"Maybe he is now - I saw his site probably 7 years ago.  The reason I don't take the critic seriously is because it seems that he has a personal vendetta against Kiyo for whatever reason. I'm guessing he has a chip on his shoulder because he disagrees with some of Kiyo's advice, and is pissed off at how much success it brought him. As such, all of his information is extremely negatively biased. It's difficult to separate the facts from everything else. Hence, he is not a reliable source. A reliable and trustworthy source is not biased, and lays out all the facts, good and bad, so that you can create your own opinion.  I take RDPD seriously (mind you, it'd been 10+ years since I've read it) because the advice is overwhelmingly good and positive. Even if a small percentage I disagree with, overall it's still a very good book. I always say: RDPD =&gt; Millionaire Mind =&gt; Think &amp; Grow Rich + Greatest Salesman in the World (the last 2 at the same time).  I politely disagree that the ""opening the mind"" thing is overestimated, because by definition it's not something that you can overestimate. It is everything, and nothing is more important. The mind is the source of all the money, all your happiness, all your misery. Unless you first get your mind right, it will be impossible for you to become rich (barring some extremely lucky event, such as winning a lottery or getting inheritance). This is why the majority of people who win lotteries go broke - even if the money falls on your lap, unless your mind is ready for it, off it goes again! ""Opening the mind"" as you put it is really the first step - it's what makes everything else possible. So you're damn right that it's worth feeling elated about. :)"
Part of the real problem with Trump and his supporters is that they don't believe anything, regardless of the source. nearly 100% of scientists agree that the climate is warming due to human activity, but they still question it. 100% of biologists accept evolution and still the trump crowd don't accept it.  Is this media bias site perfect...? of course not. But it rings true, is checked by multiple sources, and is maintained by media reviewers. It may be the only reliable source.  But, I also quoted Forbes.
The EM range of oil-sealed rotary pumps - renowned for its high ultimate vacuum, rapid pumping speed, quiet operation and ability to handle vapour - has become the industry standard laboratory and light industrial applications. The E2M28 pump is a two-stage, direct drive, sliding vane pump. The pump is oil sealed and designed for reliable, long-term operation in both laboratory and industrial environments. The pump is a freestanding unit with the drive provided through a flexible coupling by either a single-phase or three-phase (four-pole) motor.
The price action is... untradeable. You have money flying in and out of trades without reason. Apple down? Then amzn goes up as tech trader cash tries to find a new trend. But trends are not materializing.  There is no consensus between the news, trends the technical indicators, money managers... Just stay clear till the dust settles. Us dollars should be ok. Gold isnt even that reliable as qe3 is not certain.  I think everything is heafing down en mass in the market but there is residual lunatic optimisim out there making shorts dangerous. I guess you could sell the highs.
Engine Ignition plays a very important role in running or performance of engine in vehicles. A good ignition must control the timing of the spark at the exact right time and send it to the correct cylinder. Tampa Technology Corporation is a reliable manufacture who provides high quality of Engine Ignition parts.
I'm not here to call anyone fake news...but I have a question for you:   What leads you believe Mediabiasfactcheck.com is a reliable source on this topic, enough to use it as a source to justify your claims?  &gt; **Disclaimer**: The methodology used by Media Bias Fact Check is our own.  It is not a tested scientific method.  It is meant as a simple guide for people to get an idea of a source’s bias.    It's not an organization or a research group: it's a website run by a single person who is the sole judge of all criteria necessary in determining how biased a media source is.
People typically present themselves to be as wealthy as possible to banks and as poor as possible to the government at tax time.  Gross income is really the most reliable number for most folks. Your and your employer are required by law to report an accurate gross income figure annually. Anything else is totally situational.  All they are doing anyway is computing your total debt-to-income ratio and mortgage-to-income ratio. The government agencies that buy mortgages, the big bank that buys the mortgage or the self-underwriting bank has differing standards for different products.
Not sure how well it suits your case, but did you consider 'car sharing' yet? If you find someone reliable in your neighbourhood, who only needs the car within the week, it might be possible to divide your park and insurance costs by 2. Another option might be private car rentals (for example from relayrides.com). The prices seem considerably lower than $600/weekend. At least here in Germany this is getting more and more popular, especially in cities.
Slippage is tied to volatility, so when volatility increases the spread will also increase. There is no perfect formula to figure out slippage but from observations, it might make sense to look at the bar size in relation to previous bars to determine slippage (assuming fixed periods). This is because when there is a sudden spike in price, it's usually due to stop order triggering or a news event and those will increase the volatility dramatically in seconds.
If you're scientific, prove that you can overcome your own confirmation bias. What evidence have you seen that *supports* the view that this blog is reliable? Can you make a good case for it, even if on balance you feel the evidence points the other direction?  This is pretty easy for a true skeptic; nearly impossible for true believers. Which are you?
The formula you're looking for is  Thus, from 3% p.a. you get ca. 0.247% per month. However, as you see 0.25% is a good approximation (generally, small rates give good approximation).
Sure QNX is a good embedded operating system, but it's hardly the lack of a bulletproof real-time OS that's causing RIM problems right now. They were already known for making pretty reliable phones for basic telephony and messaging. Their problem is that the Blackberry OS interface and third-party application support is shit. QNX doesn't help them with that; in fact, it puts them even further behind.
This looks correct to me, for simple interest. If you are dealing with compound interest, the formula would be: So, A = 500000(1+0.036/365)^(30), or 501,481.57, or an interest of 1481.57, assuming the 3.6% is the annual nominal interest rate and it is compounded daily. Note that you are ignoring the depreciation and also ignoring the percentage of customers who will forfeit their debt in the 30 - 60 day period.
Group Home Riches is your one reliable source on how to start a group home. We help people start a group home for helping people find a place to live and recover with various problems meanwhile earning a comfortable amount of money. Our free course is designed to take you to step by step through the process of starting and running a successful group home. Check out our free course on starting your very own income- generating group home.
The price inflation isn't a percentage, it's a fixed amount. If the dealer adds $R to the price of both the trade-in and the purchased car, then everyone ends up with the right amount of money in their pockets. So your formula should be: D + T + R = 0.1 * (P + R)
"Capitalization rate and ""Net Profit margin"" are two different things. In Capitalization rate note that we are taking the ""total value"" in the denominator and in Net profit margin we are taking ""Revenue/Sales"".  Capitalization Rate: Capitalization Rate = Yearly Income/Total Value For example (from Investopedia: ) if Stephane buys a property that will generate $125,000 per year and   he pays $900,000 for it, the cap rate is:   125,000/900,000 = 13.89%. Net Profit margin: Net Profit margin = Net Profit/Revenue For example (from finance formulas): A company's income statement shows a net income of $1 million and   operating revenues of $25 million. By applying the formula, $1 million   divided by $25 million would result in a net profit margin of 4%.   Although the formula is simplistic, applying the concept is important   in that 4% of sales will result in after tax profit."
From here The formula is M = P * ( J / (1 - (1 + J)^ -N)). M: monthly payment RESULT = 980.441... P: principal or amount of loan 63963 (71070 - 10% down * 71070) J: monthly interest; annual interest divided by 100, then divided by 12. .00275 (3.3% / 12) N: number of months of amortization, determined by length in years of loan. 72 months See this wikipedia page for the derivation of the formula
Every guy has usually more sexual thoughts than ladies, that is clearly proved. More difficult is than having to choose between several guys for the reliable partner. Some guys like to housewife and he wants to housewife sex.  You can basically make relatively good experiences at our online dating service. Therefore is a completely clear matter. The real love seeks every man, at any rate, you'll find it once. Whole easy to find the right partner through  Audating Site.
Perth Ceiling Fixers is the best possible destination for you if you are searching the internet for a highly reliable Perth-based ceiling repair service. Get in touch with us today and avail exciting offers by calling us. Check out our website to know more about our services.
Audating Sites is one of the biggest dating websites in the Australia. Through our website, a lot of Aussie people get relationship success. So if you want to meet each other in the Australia and want to Aussie sex, then you can register on our website, and get a lot of contacts who want to meet for sex. Our all registered member is very reliable and we can put safely your information.
As far as I know. Ford didn't take bailout money.  Ford sells so many more trucks because they consolidate all their sales under one brand. GM has Chevy and GM trucks - they're identical except for the branding, so they are tracked differently. On the other hand I think even the aggregated sales of GM and Chevy is smaller than the sales of ford trucks.   They're just good trucks, reliable and well trusted. Like the Camry is for a car.
Ignoring the wording of the article, what is the point? Taylor Swift, an establishment musician, doesn't change her successful formula in releasing information. What  exactly would she gain by doing what the author suggested and changed the time of the information release. I would think that an out of the box approach would only draw negative attention. Taylor, you did the right thing.
I think you might benefit from adopting a zero-sum budget, in which you plan where each dollar will be spent ahead of time, rather than simply track spending or worry about the next expense. Here's a pretty good article on the subject: How and Why to Use a Zero-Sum Budget. This is the philosophy behind a popular budgeting tool You Need a Budget, I am not advocating the tool, but I am a fan of the idea that a budget is less about tracking spending and more about planning spending. That said, to answer your specific question, one method for tracking your min-needed for upcoming expenses would be to record the date, expense, amount due, and amount paid as shown here:  Then the formula to calculate the min-needed (entered in E1 and copied down) would be: As you populate amounts paid, the MinNeeded is adjusted for all subsequent rows. You could get fancier and only populate the MinNeeded field on dates where an expense is due using IF().
Find the most trustable car dealer in Johor Bahru and select your favorite car in good condition at the Masai Auto City, because it is one of the most reliable for you from where you can buy a second hand car. We ensure the most lowest money for every company car which is very comfortable for the buyer.  Buy the most car in Johor Jaya second hand car such as Toyota, Honda, Ford, Nissan, Proton, Perodua. We have more than 1000 certified cars, if you want to buy the used car then it is a good time to select your favorite car. Everyone wants to check the car before buying.
Do not use a stop loss order as a long-term investor.  The arguments in favor of stop losses being presented by a few users here rely on a faulty premise, namely, that there is some kind of formula that will let you set your stop such that it won't trigger on day-to-day fluctuations but will trigger in time to protect you from a significant loss in a serious market downturn.  No such formula exists.  No matter where you set your stop, it is as likely to dump you from your investment just before it begins climbing again as it is to shield you from continued losses.  Each time that happens, you will have sold low and bought high, incurring trading fees into the bargain.  It is very unlikely that the losses you avoid in a bear market (remember, you still incur the loss up until your stop is hit; it's only the losses after that that you avoid) will make up the costs of false alarms. On top of that, once you have stopped out of your first investment choice, then what?  Will you reinvest in some other stock or fund?  If those investments didn't look good to you when you first set up your asset allocation, then why should they look any better now, just because your primary investment has dropped by some arbitrary[*] amount?  Will you park the money in cash while you wait for prices to bottom out?  The market bottom is only apparent in retrospect.  There is no formula for calling it in real time. Perhaps stop loss orders have their uses in active trading strategies, or maybe they're just chrome that trading platforms use to attract customers.  Either way, using them on long-term investments will just cost you money in the long run.  Forget the fancy order types, and manage your risk through your asset allocation.  The overwhelming likelihood is that you will get better performance, and you will spend less time worrying about your investments to boot. [*] Why are the stop levels recommended by the formulae invariably multiples of 5%?  Do the market gods have a thing for round numbers?
Please be honest when you cite figures. A more complete picture is this:  Yes, 30% of new generating capacity (over last 5 years) has been wind  However, only 4% of the US power grid is supplied by wind  Meanwhile:  34% of US power generated is from natural gas   42% of total generating capacity is natural gas  Natural gas is an easy replacement for coal. Natural gas is just as affordable, reliable, and scalable, while releasing fewer pollutants into the air. As coal plants continue to shut down, natural gas plants are expected to be built to replace them. Wind farm production is theorized to remain relatively consistent (rate of construction will be minimally affected by coal plant decommissions).  Renewables all have cost, reliability, and scalability shortcomings. They are not an appropriate replacement for consistent sources (natural gas, coal, nuclear) until there is a reliable way to store the energy they produce. For now, renewable sources are far better served as supplements to others sources of electricity.   It is natural gas pushing coal out, with renewables playing a small role at the margins.  https://www.eia.gov/todayinenergy/detail.php?id=29732  https://www.eia.gov/todayinenergy/detail.php?id=30112  (These are both genuinely good. Not exciting, but good.)