vania-janet/multiturn-rag-retrieval-data huggingface dataset:
I'm the exact opposite! If it's anything I'll need to reference, I find the e-book version better for me since I can ctrl (or cmd) F the PDF itself or use the search function in iBooks. It makes my life so much easier when studying!
Hola, I am a nontraditional student, meaning I am in my 30's. I was laid off in 2009 because of the economy and was encouraged by the unemployment agency to goto school AND get student loans. Now I am completeley screwed!!! Are any of you out there screwed because of student loans? AMA!
I'd suggest you keep putting money in your savings account and start investing after you land that first big job. As another answer mentioned, unless you're fortunate enough to have all of your tuition and living expenses paid for, an emergency fund is an invaluable tool for a college student. And the bigger the better. Your laptop gets stolen or your car's air conditioner (or heater) dies -- both of these things happened to me in college -- and it would have been a much bigger deal for me if I didn't have some money tucked away.
True, that Colleges remove the lowest common denominator of ability: students who get F in classes.  If you have a degree, you are probably above average in your mental abilities.  But when it comes to practical knowledge, personality needed for work and in the workplace, work ethics, etc, they are not very beneficial. Actually, all those topics, practical knowledge, personality, work ethics, etc are self-taught or skills you you are born with. Cannot be taught.
I said no and yelled at the sales rep cause they wouldnt take no for an answer. I recieved 2 bad reviews from San Franscisco and 2 from NY and I am in Miami.  Two of them mentioned menu items I did not serve for weeks cause the items were out of seasons.  F yelp!
Apple's strategy in India has been bad over the years.   Initially, their official launches of their phones was nearly 1 year late. So people who wanted those phones either got them by going overseas or getting it through someone. Or black markets, without official warranties.  Then they tried to do the same kind of marketing like in US, of carrier-specific phones which are not even subsidised, totally ignoring the norms of the Indian markets (most phones are sold separately from the mobile plans). Why would anyone in the right mind buy a full priced phone and still get stuck with one company's overpriced iphone specific plan only? or buy an older iphone with subsidised mobile plan?  Apple strategy has to take the primary blame.
$10k isn't really enough to make enough money to offset the extremely high risks in investing in options in this area. Taking risks is great, but a sure losing proposition isn't a risk -- it's a gamble. You're likely to get wiped out with leveraged options, since you don't have enough money to hedge your bets. Timing is critical... look at the swings in valuation in the stock market between the Bear Sterns and Lehman collapses in 2009. If you were highly leveraged in QQQQ that you bought in June 2009, you would have $0 in November. With $10k, I'd diversify into a mixture of foreign cash (maybe ETFs like FXF, FXC, FXY), emerging markets equities and commodities. Your goal should be to preserve investment value until buying opportunities for depressed assets come around.  Higher interest rates that come with inflation will be devastating to the US economy, so if I'm betting on high inflation, I want to wait for a 2009-like buying opportunity. Then you buy depressed non-cyclical equities with easy to predict cash flows like utilities (ConEd), food manufacturers (General Mills), consumer non-durables (P&G) and alcohol/tobacco. If they look solvent, buying commodity ETFs like the new Copper ETFs or interests in physical commodities like copper, timber, oil or other raw materials with intrinsic value are good too.  I personally don't like gold for this purpose because it doesn't have alot of industrial utility. Silver is a little better, but copper and oil are things with high intrinsic value that are always needed. As far as leverage goes, proceed with caution. What happens when you get high inflation? High cost of capital.
Great question and great of you to be paying attention to this.  Right now having the ability to save $2K per year might seem very out of reach.  However with the right career path and by paying attention to personal finance saving 2K per month will become possible sooner than you may think. As a student you are already investing in your future, by building your greatest wealth building tool:  your income.  Right now concentrate on that.  If you have extra money throw it in a boring old savings account and don't touch it other than emergencies.  An emergency is defined as something that will preclude you from completing your education.  It is not paying for the latest xbox game/skateboard/once in a lifetime trip. An important precursor to investing is having an emergency fund that sits in a boring old savings account earning almost nothing.  Think of it as an insurance policy that prevents you from liquidating your investments in case of and emergency.   Emergencies often come during economic downturns.  If you have to liquidate your investment to cover these times then you will lock in negative returns.    Once you are done with school, moved into a place of your own, and have your first job you will have a nice start on your emergency fund.  Then you can start investing.  Doing it in the right order you will be amazed how quickly your savings can accumulate.   I'd be shooting for that 2 million by the time you are 40, not 65.
Jew sponsorship is the way forward in politics, show business, and the media, why would mercantile operations be any different .. high profile acts Andy Warhol, Martin Luther King, and William F Buckley, were hands on in the 1963 killing, in Dallas Tx. of President John F Kennedy! [JFK Assassination Nutshell](http://www.dockersunion.net/vb/showthread.php?632-JFK-Assassination-Nutshell)  Branson's silence on the same issues, indicates his operations are similarly at the discretion of Jews .. he operates airlines, whence the entire world's airport security infrastructure, is in the hands of Mossad, the Israeli intelligence service!   The TSA screenings in the US, with groping, X Rays and full body scanners, came into being after a series of transparent hoaxes, involving an underwear bomb in one instance, and an alleged shoe bomb in another, and it don't need a loser to explain, that can not be good for business!  If ppl are driven away from air transport, because of the same invasive airport security measures, and because it is by now common knowledge, the entire world's air fleets civil and military,  are compromised by computer software, that enables planes to be taken over in flight,   And to be flown by ground operators .. witness numerous otherwise unexplained air crashes, and the hijacking and rerouting of planes, September 11, 2001, by Zionist terrorists, aided and abetted by American traitors in politics and the media!
"In my opinion, you should pay off the student loans as soon as possible, before you start saving for the house downpayment. $26k is a big number, but you have a great salary.  (Nice!)  Up until now, you have been a poor college student, accustomed to a relatively low standard of living.  Your $800 per month plan would have you pay off the loan in 3 years, but I would challenge you to pay off this entire student loan in 1 year or less.  A monthly loan payment of $2226 will pay off your loan in 12 months. After that is done, if you take the same amount you had been paying toward your student loans and save it for your condo, in less than two years you'll have a 10% down payment saved ($50k).  The whole thing will take less than three years. There are three reasons why I recommend paying off the loan first before saving for the condo: one is practical and two are philosophical. Practical: You will save money on interest.  Paying off the loan in 1 year vs. 3 years will save you $1343.  You won't find a short-term safe investment that will beat 5% in interest. Philosophical: The loan is something current and concrete that you can focus on.  Your condo is a dream at this point, and there is lots of time to change your mind.  If the $2k+ per month amount is at all a sacrifice for you, then in a few months, you might be tempted to say to yourself, ""This month I really want a vacation, so I'll just skip this month of saving.""  For the loan, however, if you establish a concrete goal of 12 months to pay off the loan, it will hopefully help motivate you to allocate this money and stick to your plan. Philosophical: Getting used to borrowing money, making payments to a bank, and paying interest is not a great way to live.  It is better, in my opinion, to eliminate your debt as fast as possible and start getting accustomed to saving cash for what you want.  Clean up your debt, and resolve not to borrow any more money except for a reasonably-sized mortgage on your home."
"First, are you sure that no interest accrues on the student loans until six months after you finish your studies? My understanding is that you have to start paying back the student loans six months after leaving the university, but that doesn't mean no interest accrues in the meantime. My concern about student loans is that life happens and when it happens in an unexpected way, the powers of the student loan companies exceed pretty much everybody else's with the possible exception of the IRS. If you are in a position to be able to pay cash for the tuition then I would cut back the ""lifestyle"", scrimp as much as I can and pay cash. You'll be in a much better position afterwards - for starters, you won't have a student loan payment which means you're in a much better position financially than most of your peers and have a lot more options open. Plus, you're not carrying around a mortgage before you even bought a house."
I wasn't 100% on which columns of the scale you were referring to, but think I captured the correct ones in this comparison, using the scale for BA and MA (MA scale starting 2 years later, with decreased income reflected for first two years), applying a 1% cost of living increase each year to the scale or to prior year after the scale maxes out and assuming you borrow 40k and repay years 3-10, then the difference and cumulative difference between each scenario:  So it would be about 16 years to start coming out ahead, but this doesn't account for the tax deduction of student loan interest. Some things in favor of borrowing for a MA, there are loan forgiveness programs for teachers, you might only make 5-years of minimum payments before having the remainder forgiven if you qualify for one of those programs. Not sure how retirement works for teachers in WA, but in some states you can get close to your maximum salary each year in retirement. Additionally, you can deduct student loan interest without itemizing your tax return, so that helps with the cost of the debt. Edit: I used a simple student loan calculator, if you financed the full 40k at 6% you'd be looking at $444 monthly payments for 10 years, or $5,328/year (not calculating the tax deduction for loan interest).
This is a shameless, karma whoring repost. It's incredibly misleading as Blockbuster was investing in streaming technology at the time but just did not believe that purchasing Netflix was the right decision. This is been posted on TIL 1 million times before.
The fraction, f%, is given by: f%x(70,000-50,000) - 2%xf%x70,000 = 11,100 ... which simplifies to: f% = 11,100/18,600 = 59.68%. The tax saved is 20%x11,100 = 2,220, versus costs of 2%x59.58%x70,000 = 835.52. This strategy of partial b&b is adopted because it never makes sense to pay tax early ! End.
"I buy a lot of lumber in Japan. I grew up in the US, so I used feet and inches and Home Depot lumber for a long time. It is not illegal, it is just fucking stupid that we will buy wood when we are unsure of the dimensions, and Home Depot doesn't label what it *actually* is.   I really really like system here in Japan. They have a mix of traditional, metric, and imperial size lumber, but it is easy to use it all. The key is that everything is converted to millimeters and displayed on the signage in-store.   The other key point is that the wood actually matches that mm dimension. A pack of 30x40x3995mm wood is exactly those dimensions.    They have a lot of 2x4 lumber with imperial labels, (feet marked in ""f""), but it is also marked in millimeters - so a standard 2x4 6f plank is 41x92x1820mm. There is no question as to the exact dimensions of the boards.   I buy metric 90x90mm lumber, which is roughly the size of a 4x4 (92x92mm), and 6尺 roofing panels (1 *shaku* is 303mm and is very close to 1 foot), so since everything is reduced to millimeters, it is easy to buy and cut the lumber to exact dimensions without worrying about how they will actually fit together - something that is a horrible pain in the ass with US lumber."
As I understand it, there are mixed signs of a chilling effect, even though policy hasn't changed much. Foreign student enrollment may be down.    That being said - no, trump is not single handedly pivoting the trajectory of US tech.
&gt; If you aren't ivy league you have no hope of getting on wall st in front office.  BB associate here coming in to confirm this.  Front office wall st is comprised of 2 types of people.    1* Tier 1 (Ivy, 4.0 UChicago, London School of Econ, 4.0 NYU, etc)  undergrads who didn't make it into HF's and are looking for exp so they can move into HF realm.  These are usually interns from junior/sr summer that are now on 2 year analyst rotation programs (usually 4 rotations of 6 months).  2* MBA/MS and CFA Charterholders with past experience in capital markets.  This means they have already been working at a BB whether it was in relationship management or middle office.
I have a friend that bought volatility calls the day before brexit and made 1900% return in 1 night.  I wouldn't put that investment next to someone that's buying and holding SPY and say my vix friend is thousands of times better at investing.
"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-28/more-americans-are-falling-behind-on-student-loans-and-nobody-quite-knows-why) reduced by 88%. (I'm a bot) ***** &gt; By. More student debtors are falling behind on their federal student loans, after three years of declines in late payments-and with no clear explanation, experts aren&amp;#039;t sure whether to take it as a sign of distress or a temporary blip.  &gt; Michael Tarkan, who tracks student debt as director of research at Washington-based Compass Point Research &amp; Trading, offered three other possibilities for why more borrowers are falling behind.  &gt; In recent years, companies like Social Finance Inc., known as SoFi, have been making new student loans to high-earning Americans with sterling credit to pay off their federal student debt.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/73bb2m/now_here_is_an_example_of_someone_that_is_really/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~219224 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **year**^#1 **borrowers**^#2 **loan**^#3 **student**^#4 **Department**^#5"
Here's the 2009-2014 return of the S&P 500 (SPY) vs. Vanguard FTSE ex-US (VEU) (higher returns bolded) Another argument for them is their low correlation to U.S stocks.   Looking at history however, I don't see it. Most times U.S stocks have   done badly, foreign stocks have also done badly. Looking at the last 6 years (and current YTD), 1 in 3 years have international stocks doing better.    I invest a portion of my investments in international because they aren't well correlated.
Venezuela is a command economy, and one that isn't doing terribly well right now, with rampant inflation in the several hundred percent range.  As such, they've tried to limit or eliminate exchanges between their currency and foreign currencies. Currently, they allow a limited amount of exchange at fixed rates (according to a Bloomberg article, those vary between 6.3, 13.5, and 200) for certain purchases, and then otherwise disallow exchange between the currencies.  However, there is a black market (illegal in Venezuela, but legal in the US) which allows the price to float, and is much higher - 800 or so according to that article from last year.  A recent Valuewalk article lists the black market rate at closer to 900, and slightly different official rates.  It's worth a read as it explains the different official rates in detail: Currently there are four exchange rates: First is the official one,   called CENCOEX, and which charges 6.30 bolivars to the dollar. It is   only intended for the importation of food and medicine. The next two exchange rates are SICAD I (12 bolivars per dollar) and   SICAD 2 (50 bolivars per dollar); they assign dollars to enterprises   that import all other types of goods. Because of the fact that US   dollars are limited, coupons are auctioned only sporadically; usually   weekly in the case of SICAD 1 and daily for SICAD 2. However, due to   the economic crisis, no dollars have been allocated for these foreign   exchange transactions and there hasn’t been an auction since August   18, 2015. As of November 2015, the Venezuelan government held only $16   billion in foreign exchange reserves, the lowest level in over ten   years, and an amount that will dry up completely in four years time at   the current rate of depletion. The last and newest exchange rate is the SIMADI, currently at 200   bolivars per dollar. This rate is reserved for the purchase and sale   of foreign currency to individuals and businesses.
The exchange rate between two currencies is simply the price that the most recent market participants were able to agree on, when trading. ie: if the USDCAD is 1.36, it's because the last trade that happened where someone bought 1 USD cost 1.36 CAD. There is no one person/organization which 'decides' the rate between two currencies. The rate moves you see is just the reality of money changing hands as people in various situations trade currencies for various reasons. Just like with stocks or any other market product, foreign exchange rates can fluctuate wildly based on many things. It is very difficult to forecast where rates will go, because the biggest changes in rates can often be unpredictable news events. For example, when Brexit happened, the value of the GBP plummeted relative to other currencies, because the market traders had less faith in the UK economy, and therefore weren't willing to pay as much to buy GBP. See more here: https://money.stackexchange.com/a/76482/44232. There is a very high level of risk in the foreign exchange market; for your sake, don't get involved in any trading that you do not well understand, first.
So what if someone gets approved for a larger credit card balance and gambles it away?   There's nothing tangible left except for maybe some norepinephrine left in your system...     Honestly if the student loan system dried up for anything in like Liberal Arts, universities would scramble to fill positions in their schools and maybe tuitions would come down to an affordable level.    Right now it's a joke.   People are willing to pay for school and living on res when they get qualified for 100k in student loans.  If the student loans weren't there perhaps they'd live with their parents and work to support their education.   Tuitions should fall to affordable levels if that were the case.
As pointe out by @quid, inflation figures are almost always quoted as a comparison of prices last month, and prices a year ago last month.  So 10% inflation in August means that things cost 10% more than they did in August a year ago.  This can lead to some perverse conclusions. Consider an imaginary economy where prices stay constant over years.  Annualized inflation is zero. Then something happens on January 2nd, 2018.  Some crop fails, a foreign cheap source of something becomes unavailable, whatever.  Prices rise, permanently, as more expensive sources are used. This is the only disruption to prices. Nothing else goes wrong. So, in February, 2018, the authorities find that prices in January, 2018 rose by 1% over January 2017. Inflation! Politicians pontificate, economists wring their hands, etc. In March, again, prices for February, 2018 are found to be 1% higher than for February, 2017.  More wailing... This goes on for months.  Every month, inflation (year over year) is unchanged at 1%.  Everyone has a theory as to how to stop it... Finally, in February, 2019, there's a change!  Prices in January, 2019, were the same as in January 2018.  Zero inflation!  Everyone takes credit for bringing down inflation...
Slide 1 SPRINGHILL GROUP FDA Urges Markets To Pull Shellfish From South Korea Slide 2 FDA Urges Markets To Pull Shellfish From South Korea WASHINGTON, D.C.The Food and Drug Administration is urging food distributors, retailers and food service vendors to remove from the market oysters, clams, mussels and scallops imported from South Korea because of possible contamination with human waste and norovirus. Slide 3 The decision follows an FDA evaluation that determined that the Korean Shellfish Sanitation program no longer meets adequate sanitation controls. The federal agency is in discussions with South Korean authorities to resolve the issue. Slide 4 An FDA spokesman, Curtis Allen, said Thursday the decision to call for the removal of the mollusks from the market began with norovirus outbreaks in November and December. Slide 5 Curtis said no illnesses from eating the shellfish have been reported this year. Four norovirus illnesses, including three in Washington state, were reported in 2011. Norovirus causes vomiting or diarrhea.
I would argue for another type of lottery not mentioned that still denies trades but makes it impossible for a trade to improve on satisfaction. Basically shift from school level lotteries to student level lotteries. You use a lottery to rank all students, such that the students are ranked 1 through N. Where N is the total number of students. Student number 1 gets their top choice school. Student X gets their top school that's not already filled up. This student level, instead of school level, lottery then guarantees that it's impossible for a pair of students to trade and both get a better choice than what they got from the lottery.
The current FED's spend is to encourage spends by putting in more liquidity, SOME of this funds [directly or indirectly] reach emerging markets and get invested in stocks ... so without these forex inflows, the Balance of Payments would be under pressure ... so these forex are artificially keeping the Exchange rate down. For example the USD vs INR rate was in the range of 1 USD to around INR 50 for nearly 4-5 years. In the period the inflation in India was around 10-15%, so ideally the rate should have slowly moved towards INR 60, however it took a news of FED cut-back to more the rates in the range of INR 65 before stabilizing to Rs 60
"You lose out still... if you have a very disruptive student in the classroom who takes all of the teacher's attention just to deal with, the instruction of the other students may not be as good as the teacher could have delivered given a different set of students.  You also need to account for things like engagement of the parents. Not all learning happens in the classroom, and some reinforcement of that learning needs to happen in the home. A student who refuses to do homework of any kind and who's parents accept or encourage that behavior is going to do worse than a student who's parents actively encourage doing homework and reward good performance in school.  Oh... and some of the implementations of ""No Child Left Behind"" encourage pacing to the slowest student rather than challenging all of them at the level they can be challenged. It's pretty broken."