vania-janet/multiturn-rag-retrieval-data huggingface dataset:
The problem (for a LOT of people) with that is that -- even if they didn't buy during the peak bubble years -- they refinanced or HELOC'd based on that higher estimated value, and so ended up basically removing (and then spending) the lion's share of equity that they had built up in their house. For others, it was much the same as the late 90's employment -- they came to ""believe"" that their house was worth XX% more -- and they have difficulty ""letting go"" of that illusory estimated market price. So they are experiencing the ""wealth LOSS effect"" just as they once experienced a ""wealth effect"". I was saved from those things because: a) I realized that the price of houses is always ""at the margin"", and is never guaranteed by what the place cost, or what you have invested in it, or even what the owner or mortgage company *thought* it was worth; rather (when you go to sell) it will be determined by what the buyer(s) want/are capable of paying; b) I was far more concerned with what my ""total cost of buying"" would be (including all of the interest paid on the mortgage) -- this led me to first of all only buy what I ""needed"" in a house (i.e. single guy = small place) and secondly to pay the whole thing off ASAP (which I did, *dramatically* lowering the total lifetime cost of the place); And finally and probably MOST IMPORTANTLY (though in part due to ""b"" above): c) It doesn't really matter to me whether the price goes up or down -- because I know that I will always need a place to live and that (generally speaking, due to overall market conditions) the prices of ALL houses will tend to go up/down together -- and though not necessarily in ""lock-step"" (there are always factors of neighborhood, local economy, housing trends, etc.); but still, should I desire to move, I will essentially be able to ""trade"" my house for a similar one in a similar market with only a small (6% to 10%) cost.
I guess the opposite of being hedged is being unhedged. Typically, a hedge is an additional position that you would take on in order to mitigate the potential for losses on another position. I'll give an example: Say that I purchase 100 shares of stock XYZ at $10 per share because I believe its price will increase in the future.  At that point, my full investment of $1000 is at risk, so the position is not hedged. If the price of XYZ decreases to $8, then I've lost $200.  If the price of XYZ increases to $12, then I've gained $200; the profit/loss curve has a linear relationship to the future stock price. Suppose that I decide to hedge my XYZ position by purchasing a put option. I purchase a single option contract (corresponding to my 100 shares) with a strike price of $10 and an expiration date in January 2013 for a price of $0.50/share. This means that until the contract expires, I can always sell my XYZ shares for a minimum of $10.  Therefore, if the price of XYZ decreases to $8, then I've only lost $50 (the price of the option contract), compared to the $200 that I would have lost if the position was unhedged.  Likewise, however, if the price increases to $12, then I've only gained a net total of $150 due to the money I spent on the hedge. (the details of how much money you would actually lose in the hedged scenario are simplified out above; even out-of-the-money options retain some value before expiration, but pricing of options is outside of the scope of this post) So, as a more pointed answer to your question, I would say that the hedged/unhedged status of a position can be characterized by its potential for loss. If you don't have any other assets that will increase in value to offset losses on your position of interest, I would call it unhedged.
I am not preparing for a sudden, major, catastrophic collapse in the US dollar. I am, however, preparing for a significant but gradual erosion of its value through inflation over the space of several years to a decade. To that end, I've invested most of my assets in the stock market (roughly 80%) through major world index funds, and limited my bond exposure (maintaining a small stake in commodity ETFs: gold, silver, platinum and palladium) due to both inflation risk and the inevitability of rising interest rates. I don't think most companies mind overmuch if the dollar falls gradually, as the bulk of their value is in their continuing income stream, not in a dollar-denominated bank account. I also try to keep what I can in tax-deferred accounts: If, after several years, your stocks were up 100% but inflation reduced the dollar's value by 50%, you're still stuck paying taxes on the entire gain, even though it was meaningless. I'm also anticipating tax hikes at some point (though not as a result of the dollar falling). It helps that I'm young and can stand a lot of investment risk.
"I hate Amazon's delivery service. Their drivers are so concerned about the quotas they got give a care about your package and they're rude as hell. Delivery dude rang the door bell, in the 7 literal seconds it took me to get up, walk over and open the door he had too see my packages on the rug outside and was running back to his car. Had the nerve and audacity to yell ""I have 300 more packages!!"" when I called after him.   My manager has seen them sit in their car and mark a package as refused/undeliverable because they didn't want to get out and walk to the back of the building.   If I can't choose to have my packages delivered by another service, I'm going to stop buying from Amazon."
Yes -- you can refund the sales tax and adjust your return. Make sure you have a copy of your customer's reseller permit on file. If the item sold was for their own use (instead of resale), then sales tax is due, so you might want to check with the customer and ask them what they want to do.
I sold mine in 2011 for $1300 (used, with box, plaque sticker not applied).  They peaked around Force Awakens, similar to the one I sold were going for over $2000 and NIB over $3000.    Unfortunately, I have a feeling the new set is going to depress the resale of 10179.
&gt; Google and others essentially have in-house investment banking departments that are vetting, valuing, negotiating, and sealing these deals. These M&amp;A guys are mostly former bankers.  Corporations are also making more use of consultants for M&amp;A deals, often former banking MDs who play a similar 'oversight' role as they would in a bank.   Perhaps we are seeing the emergence of a new business model - fixed price costs (no commission),  in-house at junior levels and highly flexible at senior levels. By cutting out the bank there are huge amounts of money to be saved.  I agree with you about the article being a bit silly. The vast majority of deals are done is small sub-sections of industry where everyone knows the potential targets. A match.com style dating for m&amp;a algorithm wouldn't really add much value.
I'm with several of the others answering the question in that it isn't about opportunity cost so much as the value of the time savings. For example: I'm sure I could re-shingle my roof and save a ton of money on labor, but the marginal cost of having someone do that for me in the 100+ degree Texas heat makes it worthwhile to outsource that job.  How much I could have earned at my job for however many hours it takes doesn't really play into it unless I am specifically giving up an opportunity to earn money instead of working on my roof. For example, it might tilt the balance more towards outsourcing the roof job if I had an offer for contract work at $100/hr that I wouldn't have time to do if I worked on the roof. Also, considering the time I'd probably take off from work to do the job is paid vacation it isn't like I'm giving up some of my paycheck to do that job. The real variable is how much value I assign to being able to NOT work on my vacation days. The bottom line is this: What your time is worth is variable and depends on the REALISTIC opportunity cost of using that time on a money making endeavor instead of the option you are considering.
"I recently bought a ticket to a really good soccer game on Vivid Seats, since Ticketmaster, the official vendor, was ""sold out"". In reality, scalpers had purchased huge swaths of ticket real estate and were selling thousands of tickets on resale sites. Ticket was $220. Fee was $50.  I never go to big events, so didn't realize that was the model. As a sort of first-timer coming in, the whole thing seemed ridiculous, knowing I was paying an inflated price, and that the app charges $50 so a ticket appears on my phone."
"I believe they manage a bit over 500 million.  He is still the founder and probably has control of the company but he is not the ceo. He has probably gotten the company to a stable position and wants to move on to other things... big deal.  If tradeworx is stable and making money it is not a big deal if narang doesn't want to micro manage people and run day to day shit, someone else can handle that while he can go explore other things.  Just like De shaw did.... de shaw got his fund up and running, make a ton on money, left to do research and the fund still makes money.  [you can read this to see why he left](http://www.reuters.com/article/us-markets-tradeworx-narangdeparture/exclusive-tradeworx-founder-narang-leaves-high-frequency-firm-idUSKBN0KM1Z720150113)  ""Narang declined to spell out why he was leaving Red Bank, New Jersey-based Tradeworx, but said, “I had a few differences with the board about the direction of the company.”  Narang said there were no losses or expected losses at closely held Tradeworx, which he said has a bright future and where he remains a shareholder. Tradeworx accounts for about 5 to 6 percent of daily U.S. equity market volume, sources say.  There was no immediate response from Tradeworx management.  Narang has not decided on a future venture, but he said he is likely to remain in the financial services industry, is talking to people and is looking closely at the options market.  “I have a whole lot of ideas that I‘m excited about that I’ve been wanting to pursue, so now is the time to figure out which of those ideas I’d like to pursue,” Narang told Reuters.  “I‘m particularly interested in options trading, I have been for some time, that’s something Tradeworx doesn’t do. Many of my ideas are in that space,” said Narang, 45, who has degrees in computer science and mathematics from the Massachusetts Institute of Technology.""    edit- This all really has nothing to do with the original post about actuallyserious65 comment regarding hft."
The previous answers have raised very good points, but I believe one facet of this has been neglected. While it's true that the total accessible supply of gold keeps growing(although rather slowly as was mentioned earlier) the fact remains that gold, like oil, is a non-renewable natural resource. So, at some point, we are going to run out of gold to mine. Due to this fact, I believe gold will always be highly valued. Of course it can certainly always fluctuate in value. In fact, I expect in the reasonably near future to see a decline in the price of gold due to investors selling it en masse to re-enter the stock market when the economy has recovered more substantially.
According to AutoTrader, there are many different reasons, but here are three:  New cars have a better resale value and it's easier to predict its resale value in case you default on the loan and they repossess the car. Lenders that are through auto makers can use different incentives for getting you to buy a new car. Used car financing is usually through other banks. People with higher credit scores tend to buy new cars, and therefore can get a lower rate because of their higher credit score.
I thought that as well. Not sure. As I stated she may be just unable to due to the relationship they have or she may know my current financial situation and is looking out for me and throwing me a bone. Initially if I'd found someone else I would've gotten a percentage of the monthly profits but I'm looking to be the sole investor so I can get out of my current living situation and become a productive member of society. Also to move to California and be closer to it only friends I have out there but also closer to the business itself. I fully plan to learn all about weed and what and why and how etc but for now I just wanna invest
I have been a long time supporter of this viewpoint, but price drops of solar and battery over the last few years are starting to make it look like nothing will be able to beat the economics of solar. Nuclear is quite expensive and has a long payoff period and I don't think people will choose it over solar and wind much any more. Though I do think we need to update our existing reactors to new technology to solve some of the waste issues if this is possible (though I'm not sure it is)
Basement remodeling can considerably increase the resale value of your home because no one enjoys having an unfinished basement. Remodeling the basement is not an easy deed since you first need to come up with an idea of what you want, the make a proper plan and eventually put that plan into action to achieve the outcome.
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 61 It’s scalable = We can sell a lot of it in theory 62 It’s best-of-breed = We hired a market research firm to say that 63 We’re all about value-add = Unlike our competitors who seek to add no value 64 What’s our go-to-market? = Has anyone planned this out, because I’ve been too busy? 65 I’m drinking from a fire hose right now = I want a little sympathy over here, because I’m tired of carrying this company on my back 66 We’re getting some push back = They’re not buying it 67 We need to do a level-set = I’ve never been inside a Home Depot, but this phrase makes me sound handy 68 It’s basic blocking and tackling = How could you screw this up? I also played high school football and those were the best days of my life. 69 Let’s put our game faces on = Get serious, guys 70 We’ve got it covered from soup to nuts = I have no idea what that means, but don’t you dare question my prep work on it 71 We don’t want to get thrown under the bus = So let’s throw someone else first 72 But to close the loop on this… = Always the more theoretical Business Development/Strategy guys who say this, so they can sound thorough 73 What are “next steps”? = Did anyone take notes during the last 90 minutes of this meeting? 74 This is low-hanging fruit = Get this done quickly 75 We need a few quick wins = We’ve got to trick people into thinking we know what we’re doing by some successes we can point to and claim as ours 76 It’s a [Insert Company Name] killer = Did I get your attention yet with the Freddy Kreuger imagery associated with the company who’s currently eating our lunch?
It isn’t that the starving man doesn’t have money, it is that he doesn’t have access to eggs!  He is on the same indifference curve due to finances as the wealthy man.  What has made you assume a difference of financial ability, when I already said there were none?  Were he in an area of abundant resources, which you seem to assume in your counter-arguments, then he would be willing to pay for lower quality, for the lower prices those lower quality are offered at, because he need not mention his plight.  I’m not that thinking the world as it should be.  I am thinking of human nature as we have observed, not financial nature.  Because humans create the financial systems.  The financial systems do not create human nature.  Financial systems DO influence human nature.
"I once had to train a guy who worked 2.5 hours away. They had me drive each way everyday, paying both mileage and my hourly rate for the drive. So everyday was 5 hours drive time, 3 hours of work, plus mileage.   I asked for permission to get a hotel room, which would break even with my gas reimbursement and let me work with the guy 35 hours a week instead of 15.  They said no, my boss had discretion on driving, but had to get hotels approved. I was also told I had to work 5x8hrs days, not 4x10hrs, which would have saved a day of mileage and meals and given 5 extra hours a week with him.  There was also a minimum number of training hours that had to be done, so the lesser hours per week meant I did this for months instead of weeks if I had a hotel room.  I even got yelled at one day by the location manager because I called out due to weather. ""It's against policy to let people call out due to weather unless the location closed due to it."" I had to explain that the ice and snow would drop my driving speed too much and I would spend half the day driving there, the other half driving back and spend no time working."
I was saved from those things because: a) I realized that the price of houses is always ""at the margin"", and is never guaranteed by what the place cost, or what you have invested in it, or even what the owner or mortgage company *thought* it was worth; rather (when you go to sell) it will be determined by what the buyer(s) want/are capable of paying; b) I was far more concerned with what my ""total cost of buying"" would be (including all of the interest paid on the mortgage) -- this led me to first of all only buy what I ""needed"" in a house (i.e. single guy = small place) and secondly to pay the whole thing off ASAP (which I did, *dramatically* lowering the total lifetime cost of the place); And finally and probably MOST IMPORTANTLY (though in part due to ""b"" above): c) It doesn't really matter to me whether the price goes up or down -- because I know that I will always need a place to live and that (generally speaking, due to overall market conditions) the prices of ALL houses will tend to go up/down together -- and though not necessarily in ""lock-step"" (there are always factors of neighborhood, local economy, housing trends, etc.); but still, should I desire to move, I will essentially be able to ""trade"" my house for a similar one in a similar market with only a small (6% to 10%) cost. d) But I also know that if I move ""up market"" (attempt to move to an area/house that has a relatively higher demand/higher price) that I will then have to pay more or get an even smaller place (smaller home, less land, no garage/shop, etc); yet conversely if I for some reason decide to move ""down market"" (to an area/house with a relatively lower demand/price) I may be able to either pay less, or to get slightly *more* ""house"" (additional land, outbuildings, etc).
Show me the data.  If you’re going to make a claim.  Back up your assertion.  How the fuck do you know that the Chinese are clamoring to come here more now with Trump.  Trump is a racist and the whole world knows it.  That impacts people perceptions of America.  That impacts their decision to come here.  As far as I’m concerned the jury is still out on China, because we don’t have any data.  But we have data for India and many other countries.  I showed you the data for India.  Indians have a worse view of the U.S. under Trump.  Along with Koreans and Japanese as well as most Europeans (Russians being the notable exception).   You trumptards are ruining America.  Congratulations you wanted a white America that means fewer brilliant minorities coming here.  That’s what you assholes voted for.
"&gt; You ARE naive in that you are concerned about employees who have already choosen for the most part their career fates.  You call me ""naïve"" for being concerned for my fellow man?  How is that ""[naïve](http://dictionary.reference.com/browse/naive)""?    Read what I wrote.  I don't disagree with one word of your predictions or your statements about the economy.  These people are absolutely fucked.  I have never said otherwise.  _It simply makes me sad that all these humans will suffer._  That doesn't make me naïve - that makes me a decent human being.  The fact that you are willing to call me names simply because I express concern for these people speaks for itself.  The fact that I've been downvoted heavily for saying it speaks badly of the compassion of the people reading this subreddit."
"I suspect this is a function of deregulated banks' desire to write and flip as many mortgages as possible. The best targets for this sales push were naturally those with the most education, who tended to have the best credit ratings and most secure jobs.   The last time I bought a house, the mortgage salesman practically lit up when looking at my income and credit score, pushing me hard to borrow more. ""You could buy a lot more house than this!"" he said. ""You could buy apartments as an investment or for resale!""  I resisted temptation, thank heaven, but it's all too easy to see how millions of others didn't."
This is for my final project in my international business major. I'm looking at country of origin effects on whiskey and whiskey regions. If you have the time, please take the survey. You don't need to know anything about whiskey. In fact I need more people with less knowledge of whiskey as I've got a lot of responses from /r/whiskey already.  I know this might not exactly fit this subreddit as it's not news, but it is business related. And I'm happy to provide the results of the survey for those interested! (Though only this survey, I can't release my final report due to confidentiality agreements with some distillers I've interviewed.)
To Rich Seller's point, we live 1/2 gallon of gas and 30 minute round trip from the supermarket.  For the items that are non-perishable, such as bathroom or facial tissue, paper towels, shampoo,soap, toothpaste, etc, there's value in never running out of it.  (@JohnFx - your point is well taken. When my daughter was a toddler, I found her covered in band-aids. One tiny scratch, 9 band-aids. My wife asked why I was concerned, we had hundreds in the pantry. I can see how some items might just encourage over-use)
Greetings! I’m bored to death at work so I decided to browse your site on my iphone during lunch break. I really like the info you provide here and can’t wait to take a look when I get home. I’m surprised at how quick your blog loaded on my mobile .. I’m not even using WIFI, just 3G .. Anyways, very good site and posts too!
I'm on the other end of the spectrum. I'll never buy an e-book, I don't like reading off a screen.  But that's only part of the issue. You can't trade e-books, you can't put e-books in your library, and you can't buy used e-books. If you don't have a charger and you run out of battery, you're screwed.  My biggest thing is I can't put them on bookshelves...I have a mini library starting and I really enjoy having physical books around I can pick and choose from whenever I feel like reading.  For me, the only e-books worth considering are textbooks. I keep 5 textbooks on my iPad and it lightens my load considerably. I can bring them all to my classes and not have to lug around 20 lbs of books. But the difference with textbooks and books I read for fun are that I don't keep my textbooks around when I'm done with them.
I'm on an M&amp;A team for IT and you should temper your expectations. The due diligence teams (those guys that get a first look) usually don't know enough shit to understand the ramifications for their initial decisions and it just gets worse. The incentive is to underfund the M&amp;A nearly every single time. Projects run long, some shit in IT never completes and dies on the vine after ten years. Management on the A side stops giving a shit, their good employees with the actual knowledge leave almost immediately... Documentation? None. Process adoption? None. Worthwhile employees? Already gone. M&amp;As should just be renamed Murphys because they are all just real life examples of Murphy's law. How many M&amp;As have I seen? 18. Across multiple  fortune 100s. How many were completed by the time the investors were told they would be done? 18. How many were actually done at that point? 2-3? It is literally herding cats.   M&amp;As are a necessary evil for markets but they are almost always absolute shit.