vania-janet/multiturn-rag-retrieval-data huggingface dataset:
His books: The Total Money Makeover - This is a very step by step approach to what he teaches about how to handle money. Financial Peace - This is a more philosophical approach to the same topics.  More idea and less application based. You can catch his radio show online for free - or an hour podcast each day in the itunes store - this is free. You can watch his TV show on Hulu.
Also don't just assume that everything that Costco or Sams (we use Costco) sells is cheaper.  Still shop around and look for the best price.    For us it is definitely worth it.
Why not all of them? It was greedy people in general. I have little sympathy for the bankers, subprime borrowers, and house flippers. I really wanted to buy a house in the mid 2000s but came to the conclusion that it was a terrible idea.   A house is a huge investment, and if you're dropping 400k on something, you should probably do some research.
You need to let a lawyer look at it.  Concerns you have include:
"the financial community hates him because he teaches people who don't have financially-responsible parents how to think properly about money and how it works.  I've read the books and  it's not remotely about ""getting rich quick"".  It's about  showing people the patterns of thinking that seperate the haves from the have nots.  The more snide remarks I see about this guy, especially on financial forums, the more I realize the value of his originals texts."
In addition to the reasons discussed in JoeTaxpayer's answer, consider that  a 401(k) plan is run by an employer (though the details might be delegated to a plan administrator) and it is a headache to have to deal with ex-employees (including retirees) with whom one might have no further relationship once the employment has ceased. Pension plans in addition to 401(k) plans are a rarity these days. Hence, no RMDs need be taken while still employed past age 70.5, but after that, let's keep in touch at least once a year so that we can send you some of the money we are holding for you.
Why bother with the MFE then? You'd have to spend your own money to get it when any legit PhD program will support you throughout your masters and beyond. If you want to go to academia go straight to a PhD program. If in the end you decide you want to go into the finance industry, very little is lost as they will still hire you.
It is non-binding.  I'm not positive of China receiving money but I know they wouldn't have to give money.  They also don't need to cut their carbon emissions in the near future where the U.S. who competes with China economically would have to cut their emissions by over 20%.
&gt; Panasonic hasn't yet agreed to put up a penny  In your own link it talks about their 200-300 million initial investment.  Which you would know if you knew anything about the company, or the news on Thursday.  Which, of course, you don't, and yet you keep talking.  Really, you are aggressively ignorant.  I really don't understand how it's possible, or what your motivation is to be so intentionally wrong about everything you say.  Seriously, get a clue.  Try talking about things you know about...if such a subject even exists.
100% of their pork is antibiotic-free. They can't get all their beef or chicken up to those standards yet, but the meat that they do get that's antibiotic-free is just that... the animals were never given antibiotics.  Mostly I'm posting because people seemed incredulous that livestock could be truly never treated with antibiotics, but *all* organic meat is supposed to meet those standards, so it's not far-fetched. When Chipotle says antibiotic-free, they either mean it meets the USDA organic standards, or they're lying.
Politicians do not have that goal.  Most of them have one of two primary goals: 1) get re-elected, 2) push the country in an ideological direction, eg more or less government.    Comcast is very good at spending money on big government regulations so they can steal from the citizens.  Blame them.
Maybe it's just me, but if I notice a car 3 times, driving around with STEVE'S PLUMBING on it with a phone number. I'll remember huh, if I ever wanted plumbing, this steve guy seems to get around a lot, he must be good. Especially if I like the design. Remembering the phone number, yeah that's not going to happen, but having it there makes me think he wants my business, which makes me more like to look for him when I need a plumber. If I see him driving around, he must be local. If the email is logical like stevesplumbing@gmail.com, I *might* remember it, but at the end of the day I'm opening the web browser/yellow pages to google the name STEVE'S PLUMBING anyway, so I'll never bother emailing. I prefer phones.  Also my Mum keeps business cards of tradesmen she likes and sticks them on the inside of a cabinet door, along with take out places, ect. So if I ever needed a plumber I would go there. I'm saying advertising to end customers may not be directly effective, but I would still try.
Focus more on asking him questions about his job and industry so he can tell it is something you're interested in. Dazzle him with your deep questions and he will get a good first impression of you. If he doesn't offer you a job on the spot, send a thank you email and drop a hit that you're in the market for a job.
Paypal is already forbidden from doing business with ISIS. When the government levies sanctions against a group or country, all companies based in that country are forbidden from doing business with that entity, and the penalties are strong enough that companies don't fuck around with that. PayPal hasn't handled business for ISIS in years.
It makes sense for a lot of people - it's basically weather insurance. It's useful for farmers (bad weather ruining a harvest), airlines (abnormally high amount of snowstorms increasing cost of delayed flights), hotels (rain making people visit less), ski resorts (not enough snow) and other businesses that can be negatively impacted by extreme weather variations.  If they systematically slightly overpay for this protection the speculator can make money on net helping these businesses reduce the volatility of their cashflows which is important because they need to pay their overhead costs every year.  Edit: The derivatives themselves also allows the people selling weather insurance to hedge their exposure on the market.
"Global banks are without a doubt the new evil empires. They're buying debt for pennies on the dollar, because they know the risk of default/bankruptcy, yet they expect the IMF to do for international debt what W did for student loans. Wasn't Argentina also the country that had a vulture fund ""seize"" one of their naval vessels? Soon banks will have their own standing armies and naval fleets to exact asset forfeiture."
M$ management needs a serious shakeup. I'm a windows fan but holy crap they went to shit over the last few years. Their hiring policies and constantly firing the bottom 10% of employes creates a backstabbing environment. Windoze 8 is a sad joke, the app store is a pile of unmoderated trash full of fakes and scammers. What were they thinking? Or perhaps they were not.   Maybe they can poach a few executives from Apple who are looking for a challenge. If they could find a happy medium between windows 7 and osX, WITHOUT any tablet support they might be onto something.
Estimated tax payments should be a reasonable estimate of what you owe for that time period. If it seems reasonable to you, it is probably reasonable. Sure, you can adjust for varying-length periods. As long as, in the end, you can and do pay what you owe, and don't underpay the estimated/withholding by enough that you owe a penalty, the IRS isn't all that picky about how the money is actually distributed through the year.
While IANAL (tax or otherwise), I have always found that keeping original receipts is the only way to go. While anything can, at some level, be forged or faked, a photo is one more step removed from the original.  A mere listing on a web site isn't much proof of anything. Keep your originals for a suggested seven years; while the IRS is trying to audit much faster than that, and any inkling of fraud can be investigated at any time, you should be well and clear with originals kept that long.
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Its Price/Earnings, or P/E, is at (roughly) 96 That means that for EVERY $1 that Amazon makes in profit, people are willing to pay $96 for it. This also means that for every $1 I invest in Amazon, I'll have to wait 96 years until I've collected on that - and that's assuming that 100% of their profit goes out through dividends, something that Amazon doesn't give out. This is either because the stock price is really high, or because its earnings is LOW.  Is this kind of ridiculous P/E common among the US stock (I'm not from the US)? Is there something going on in Amazon? Am I missing something (I'm a little new myself)?  I'm looking at [this graph](http://i.imgur.com/4YpDH.png). Return on Equity (aka RoE) has been going down. This is either because it has added more shareholders equity (equity issuance?), OR it's because net income has been falling. When you compare this to the rising P/E this recent year, something tells me that something is screwed up. People have been valuing Amazon *more and more*, while Amazon has been providing *less and less* to its shareholders!  [Here's more statistics](http://i.imgur.com/kJjPW.png) showing profit margin going down the last year, while the valuation went up (though it has been falling as it maxed at P/E 113).  So, either I've missed something (some awesome news or whatever), or I'm uneducated, or this stock has been overvalued. I'm assuming that it probably was a mix of the first and the last, and that this is just a correction. Correct *me* if I'm wrong.
I work at a big corporation and I hear a lot of these phrases constantly by fully capable people. It's not just fluff to sound impressive. It's more slang or idioms than anything. We all know what they mean.
Gigabit internet should be available nationwide and caps should be illegal.  Youtube's bandwidth costs are approximately 0% for webpages. It's all about video. P2P is *fantastic* at sharing video, and if the gateway to that stays on the server-client model, oh well. P2P can reduce the cost of running that server by orders of magnitude.  &gt; It would just offset the costs from the website-owner to the website-user  Yes. Users would pay back the bandwidth they use. Costs would be offset to users - just like you're proposing. Except the technical solution is cheaper, fairer, and simpler than hassling and begging people to send money.
Stupid Trump gave it to them in exchange for NOTHING!  The requirements were always voluntary and could have been modified without consequence without withdrawal.  Withdrawal achieves nothing, but cedes US leadership on climate/renewable energy to China. What a great deal maker... SAD
"Because cities are expensive as fuck.  I always here my peers complaining about not being able to afford housing and whatnot.   Here I am, 23, and the owner of a nice little 3 bedroom house. Just move somewhere smaller.  My city is about 40k pop. And it's only a 45 minute drive to the center of the closest major city, and there are plenty of ""suburbs"" even closer with good job markets."
There is no document that I know of that stipulates otherwise. This can also be corroborated by the fact that RESP withdrawals are considered as income in the name of the student. Thus, so long as the student pays tuition and receives a T2202A slip from the educational institution, they should be able to claim tuition, education, and textbook amounts.
First you have to understand that insurance is basically a social system, just with Shareholders. Insurance costs consist of 3 factors: Now, to encourage a low-risk behavior a separating factor is search in the vast amount of statistical data. Drivers experience, miles and type of car being the most common, but also other things like oldtimer-status etc. are possible. If it so happens that the 3-5000 miles driver do only in average have 80% of the damage-costs of a comparable group 5-8000 miles driver, you´ll get the 20% bonus on factor 1.  So the answer is, it is not overpriced, there is just no linear relationship to mileage. You can´t divide your insureds in too many groups or you´ll miss the mutual aspect of insurance. If everybody just pays his own risk, he can just do so in his bank and save on overhead and profit.
"It starts here -  You said you are a high earner, but high is relative. This tax table will show what marginal rate you have for your taxable income. Look at your 2015 return to get a better idea what ""taxable"" means, vs gross income. For starters, with a standard deduction, and just the two of you, $20K comes off your gross. Even so, let's assume you are in the marginal 25% bracket.  The W4 form does offer instructions on how to calculate how much extra to withhold, but, to your point (and brilliant criticism of the process) withholding is not available as a percent, only as normal withholding, i.e. if spouse's income were a flat, predictable number, or as an extra, fixed, number, per check.  You shared with us in your other question she expects to earn $7K-$15K. The average of these 2 numbers is $11K, which at 25%, is $2750. I'd divide that over the number of checks remaining this year (20?) and just withhold that much extra. Use your tax software from last year or an online calculator and in 3 months, see if you are on track. You can adjust the W4 any time to get as close to the actual total year tax due as you'd like. My answer focuses on the 'adjust repeatedly,' part of keshlam's own answer. His quarterly payments suggestion also works and you might prefer it. In general, mine would only take 1-2 adjustments per year at most.  If you withhold too much, as most people seem to do, you'll get it back when you file. But, worst case, you withhold $3750 and she makes just $8000. This is $1750 too much. The average refund is over $3000. Too little, and mhoran's answer explains when you'd owe a penalty."
posted this over in the thread about this on /r/investing:   &gt; And again, Amazon is already ahead of the curve because they've been building their own shipping and logistics capabilities. I live near several amazon warehouses, and their private trucks are everywhere. [They are also building their own fleet of jets](http://time.com/4440542/amazon-one-airplane-fedex-ups/)
Yahoo's share price more than tripled under her watch. ($15.45 in July 2012 when she joined, $54.02 when she left). Contrast that to the previous 5 years where it was cut in half ($31 to $15 between 2007 and 2012). You have to go back 17 years to 2000 to find Yahoo being at the $50+ mark again.  Microsoft has only doubled in the last 5 years, Google is up 3.5x which is slightly behind Yahoo as well.   Say what you want, but to stockholders, she has been good.
Developing self-discipline in his spending habits is a prerequisite for dealing with a (sometimes low) variable income.  While it might feel like a roller coaster ride going from boom to bust, develop steady frugal spending habits will ease a lot of that pressure.
"This is the best tl;dr I could make, [original](https://www.theguardian.com/science/political-science/2017/jul/21/concorde-was-the-flying-brexit-a-different-era-but-the-same-mistakes?CMP=Share_AndroidApp_reddit_is_fun) reduced by 90%. (I'm a bot) ***** &gt; Concorde, the fastest lame duck ever built, was a flying Brexit.  &gt; What did politicians say about Concorde? Well, Concorde was not only going to bring supersonic speed to civil air travel, but also ensure that Britain could capture a crucial new export market and create a world-beating aviation industry in the coming supersonic revolution.  &gt; As secretary of state for industry, Tony Benn revealed to parliament in 1974 that Britain would not recover any of the &amp;pound;600m that the government spent on Concorde.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6opnmm/concorde_a_different_era_but_the_same_mistakes/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~172326 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*: **Concorde**^#1 **Britain**^#2 **government**^#3 **project**^#4 **cost**^#5"
Not true, Tesla opened its patent book long ago for anyone to use.    https://www.tesla.com/blog/all-our-patent-are-belong-you  Amazing how all of you are looking at Tesla like it's GM, when Musk has said it's the opposite.  It's a movement masquerading as a company.  His goal is not limited to the success of Tesla, but all EVs.
"You're making an Ad Hominem attack.  Is Bezos being hypocritical?  Of course.  Regardless, his message has merit.  It's like one heroin addict saying to another, ""man you should really get off heroin this shit will kill you"".  The argument has weight regardless who it's coming from."
"no, good questions my friend.  when did you do this rollover? if it was this year, your firm should have forms that you can fill out to ""undo"" the roth conversion - only earnings on your investments will be taxed, and everything gets rolled over to a traditional IRA. not fun for tax filing but...  you can also leave them as is and pay the taxes (usually only a good option if it's a low income year for the filer).  i would consult your tax advisor regardless in this situation."
Do NOT put any money into this.  Any flying car has to be 100% autonomous. There is no way an owner will ever be permitted to control the thing.  And, that can never happen until totally autonomous road cars have been in use for several years, and proven themselves beyond a shadow of a doubt.  These are the facts.
ODE is a math class, why would you need Physics for it? If anything taking ODE before Physics may help you understand whats going on behind some of the formulas you'll have to work with.   The only time physics might be helpful in ODE is when you are modeling things like springs with differential equations. Knowing the basics of Hooke's law would make it easier to understand I guess. That's a really small part of ODE though.
Lather doesn't mean products are cleaning. Bubbling agents are added to make it appear like they're cleaning. Sometime in the history of us products, bubbles came to be seen as a sign that the product is working, even though it's not doing shit. Just fyi.
I always considered the fast casual criteria to be a lack of a drive-thru and food prepared after you order, I never thought the decor factored into it.  The Smashburgers I've been in weren't much fancier than Five Guys, and most Chipotles are relatively plain as well.  Meanwhile, the decor of most new Culvers are just as nice or nicer than Panera and the like.
This is complete bs. Other countries already have the kiosks and have had them for awhile now. In case you didn't know, mcdonald's has been failing for quite some time. The adding to of the 24hr breakfast helped them out a bit, but they are still struggling with sales. There best bet to please the shareholders is to get rid of a percentage of the work force, and replace them with a kiosk. It's all about turning a profit, and the minimum wage going up has nothing to do with their declining sales.
Okay that makes sense, but even if you accept that, I don't see how that's the same as Moviepass. If people start going to the gym a lot more, PF can buy more equipment and facility space. It would be expensive, but their costs wouldn't rise dollar for dollar with the increase in usage. With Moviepass, they are paying the full ticket price for each movie that a customer wants to see; that means for each customer that sees more than one movie a month, they can't make a profit just from the subscription fee on that customer. Their costs rise in direct proportion to use,   I consider some of those costs more fixed than variable though. The labor and equipment costs don't rise in direct proportion to the number of people who go to the gym. Sure, if the attendees jumped 30% they would likely need to buy more equipment but they aren't changing their labor or equipment costs for each person that comes in. It's fixed within a certain level of activity, and only becomes variable if the level of activity changes beyond that threshold.
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"The problem is Im not seeing the right answer. Which means I didn't ask the right question. You guys are answering whybits NOT a ponzi scheme. What I should have asked... Is... ""Would this setup work"" and removed all refernces to ponzi scheme..."