vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"Yeah, so where are the scholarly articles? I don't see any being referenced in the article. Seems to me like it's just his opinion. Explains why it's an op-ed rather than a research article or something of substance.   It sure is easy to say ""don't have a kid before 21,"" but have you considered that a lot of kids don't have access to birth control? Or even sex ed? I've met teens who don't even understand how sex works but they sure are having it. What about marriage? For some kids, it's easier to get married because it gives them access to housing, health care if the spouse has a plan, but even then, the divorce rate is so incredibly high that a lot of them face homelessness and situational poverty when they separate. Have you ever seen someone working 2-3 jobs but they're still poor? I've certainly seen it. I've seen kids choose work over high school because it means they can support their families. A lot of families in poverty depend on every single member of the family to bring in a source of revenue, and even then they can't seem to get by. You said it yourself, you can't support a family on minimum wage. But kids in generational poverty have learned to. Their mothers taught them. ""Getting out"" of poverty just isn't real for most of these kids. That's why the [cycle of poverty](https://en.m.wikipedia.org/wiki/Cycle_of_poverty) usually spans across three generations in a family. What happens in a child's home life will affect them for the rest of their lives. When they learn how to live in poverty as children, the behaviors they learn are much more likely to carry through to adulthood.  It doesn't matter what your political stance is, it's going to take some intervention from the government to create programs for these kids in generational poverty. This issue is much too complicated and pervasive to treat it otherwise"
"Hi Alex.  I've been alerted you're seeking a better answer to this question. ;-)  Please accept my apologies for not coming back to this question sooner – it got buried. :-/  No, in general you cannot make an early withdrawal penalty-free from a 403(b) account to use towards the purchase of a home. Withdrawals before age 59 1/2 are generally subject to the 10% early withdrawal penalty, on top of ordinary income tax. Some 403(b) plans may allow for a loan, but the availability and conditions vary by plan. If you'd consider a loan, you should check with your plan administrator or your plan's Summary Plan Description – often available at one's company intranet or HR web site.  (I do contract work for an HR consulting firm that assists others in building such sites, and SPDs are usually something made available for download in a ""Retirement"" or ""Wealth"" section of such web sites.) Note that a loan from a 403(b) would need to be paid back into the plan over some period of time, e.g. 5 years, though I have come across examples of some plans that do permit a longer pay back period of 10, 15, even 30 years if the loan is used for a home purchase.  But consider this article: The 403(b) Loan: The New Debtors Prison? Finally, to your last point:  Yes, if you have an IRA, there are rules permitting withdrawal of up to $10,000 penalty-free for use towards the purchase of a first home.  See page 53 in IRS Publication 590.  There's also a good article at Fool.com: All About IRAs - For First Time Home Buyers. Such a withdrawal from a traditional IRA remains subject to ordinary income tax.  If have a Roth IRA, you can withdraw free of income tax but you need to pay attention to the Roth IRA 5 Year Rule. Additional Resources:"
When I worked for a few years in Ontario, there was Paternity Leave. I didn't pay much attention to how it worked, but I think the parents could split the leave up among themselves as they saw fit. So when my manager Phil had a kid, his wife took off for the first few months, and when she was ready to go back to work, he took off for the remaining few months.  Which is really how it should be in America. What if the woman is the one with the higher salary? It might make more sense for the couple to have the man take the majority of the leave, minus some time for physical recovery and the early bonding.
In my experience Sparkasse or VR Bank have them quite often. They stick out in my mind because when you make a withdrawal you have to reach in to get your money instead of it spitting it out. I'm always afraid its going to chop my hand off.
Modern banking is operated under central banking which is critical for maintaing a stable keynsian economy.  Without central banking the economy is prone to the boom and bust cycle typical of early twentieth industrialization.    Our money is not backed by 'nothing' it is backed by the faith and credit of the governments issuing them.  Private banks don't issue anything.  What fractional reserve banking does is say that for ever X amount of dollars you have in your vaults you can make Y amount of loans.  This ratio is set by the central bank in what is called the reserve ratio.  If the Fed sets the reserve ratio at 10% and they know the US economy has $10 trillion in circulation than $100 trillion dollars is going to eventually emerge through fractional reserve banking.  This explains inflation.  Of course the central bank could also raise the reserve ratio forcing banks to call in existing loans.  This is deflation.   Now if you're a bank and have $1 million dollars in the bank, a reserve ratio of 10% means you can make up to $10 million in loans without getting in trouble with the Fed.  If the bank makes $10 million in loans and only recuperate $9 million in loans than they fall below the 10% reserve rate ratio and become insolvent, prior to 2008 these banks would go bankrupt, but the Fed has evolved it's roll into either bailing a bank out for it to recover and learn from it's mistakes or to let it go bankrupt.  All people's deposits at these banks however are safe up to $250,000 thanks to the FDIC to protect from bank runs typical of the early twentieth century that intensified boom and bust cycles.    Please don't bring in the Federal Reserve into this unless you want me to prove how stupid you are even more.  I'm poor broke college student with nothing better to do with my time than to win internet arguments right now, you can't win.   **Too stupid, didn't read: banks need to make successful loans or they go out of business, they don't create anything out of thin air.  They just listen to whatever the central bank tells them what to do.**
In a generation of hardworking and earning people, it gets really difficult to discover people with whom one can spend their whole life. We start work early and we end it late, resulting in tiredness, loneliness and sometimes feeling of isolation. This is why we need matrimonial ads which make it very convenient for them to find a suitable partner.
If you're smarter than most of the people in the room, you might be able to make a bit of money, but the overhead - in the case of poker, the money the house charges for the game, in the case of stocks, the exchange fees and broker commissions - means that it's a losing game for the group as a whole, and not very many people can actually make money. Add to that the computer-based trading - so imagine a poker game where four of the eight players are computer models that are really good (and actively maintained by very smart traders) and you can see where it gets to be very difficult to trade at a profit (versus long term investments, which take advantage of the growth in value in the company). Finally, the risk because of leverage and option trading (which is necessary to really take advantage of inefficiencies) makes it not only hard to make a profit, but easy to lose everything. Again to the poker analogy, the guys I've known playing poker for a living do it by playing 10-20 games at once - because one game isn't efficient enough, you wouldn't make enough money. In poker, you can do that fairly safely, especially in limit games; but in the market, if you're leveraging your money you risk losing a lot. Every action you take to make it ""safer"" removes some of your profit."
Possible ways they could make money (or think they could): I would go back through your transaction history and see if it's disappeared.  Even with an assumed-rubbish interface finding a reversal of the transaction should be easy as you know the amount.  I wouldn't spend it for a very long time if it is still there, just in case my last bullet applies. Given what they knew about you (phone number and account details) I'd be wary enough to keep an eye on all my accounts, possibly wary enough to consider credit monitoring in case they try to open other accounts with your details.  Although of course plenty of people have legitimate reasons to have this information - if you've written a cheque the account details will be on it, and you might well be in the phone book or otherwise searchable.
I would not sell unless the stock is starting to fall in price. If you are a long term investor you can review the weekly chart on a weekly basis to determine if the stock is still up-trending. Regarding HD below is a weekly chart for the last 4 years:  Basically if the price is making Higher Highs (HH) and Higher Lows (HL) it is up-trending. If it starts to make Lower Lows (LL) followed by Lower Highs (LH) then the uptrend is over and the stock could be entering a downtrend. With HD, the price has been up-trending but seems to now be hitting some headwinds. It has been making some HHs followed by some HLs throughout the last 2 years. It did make a LL in late August 2015 but then recovered nicely to make a new HH, so the uptrend was not broken. In early November 2016 it made another LL but this time it seems to be followed by a LH in mid-December 2016. This could be clear evidence that the uptrend may be ending. The final confirmation would be if the price drops below the early November low of $119.20 (the orange line). If price drops below this price it would be confirmation that the uptrend is over and this should be the point at which you should sell your HD shares. You could place an automatic stop loss order just below $119.20 so that you don't even need to monitor the stock frequently. Another indication that the uptrend may be in trouble is the divergence between the HHs of the price and the peaks of a momentum indicator (in this case the MACD). The two sloping red lines show that the price made HHs in April and August 2016 whilst the momentum indicator made LHs at these peaks in the price. As the lines are sloping in different directions it is demonstrating negative divergence, which means that the momentum of the uptrend is slowing down and can act as an early warning system to be more cautious in the near future. So the question you could be asking is when is a good time to sell out of HD (or at least some of your HD to rebalance)? Why sell something that is still increasing in price? Only sell if you can determine that the price will not be increasing anymore in the near to medium term.
Conceptually, yes, you need to worry about it. As a practical matter, it's less likely to be exercised until expiry or shortly prior. The way to think about paying a European option is: [Odds of paying out] = [odds that strike is in the money at expiry] Whereas the American option can be thought of as: [Odds of paying out] = [odds that strike price is in the money at expiry] + ( [odds that strike price is in the money prior to expiry] * [odds that other party will exercise early] ). This is just a heuristic, not a formal financial tool. But the point is that you need to consider the odds that it will go into the money early, for how long (maybe over multiple periods), and how likely the counterparty is to exercise early. Important considerations for whether they will exercise early are the strategy of the other side (long, straddle, quick turnaround), the length of time the option is in the money early, and the anticipated future movement. A quick buck strategy might exercise immediately before the stock turns around. But that could leave further gains on the table, so it's usually best to wait unless the expectation is that the stock will quickly reverse its movement. This sort of counter-market strategy is generally unlikely from someone who bought the option at a certain strike, and is equivalent to betting against their original purchase of the option. So most of these people will wait because they expect the possibility of a bigger payoff. A long strategy is usually in no hurry to exercise, and in fact they would prefer to wait until the end to hold the time value of the option (the choice to get out of the option, if it goes back to being unprofitable). So it usually makes little sense for these people to exercise early. The same goes for a straddle, if someone is buying an option for insurance or to economically exit a position. So you're really just concerned that people will exercise early and forgo the time value of the American option. That may include people who really want to close a position, take their money, and move on. In some cases, it may include people who have become overextended or need liquidity, so they close positions.
I think you're missing my point. I'm not saying automation isn't useful or beneficial to society. I feel it's disingenuous to argue there would be no net job loss. Companies won't invest capital unless there is the prospect of a return. Therefore, they won't build robots unless they are saving on labor. If they have to replace an equal number of unskilled laborers with skilled laborers at a higher cost in addition to the capital expenditure to purchase the robots, it doesn't make sense to purchase the robots.  Companies adopt automation because it saves them money in the long run, mostly by replacing human workers and resulting in a net job loss.
"People like to call it ""Chinese State-Sponsored Capitalism,"" but it is absolutely not capitalism.  Capitalism doesn't allocate capital to build cities for which there are no residents.  It doesn't pick winners by deciding who is best at bribing government officials.    We may not always like what the invisible hand deals us, but the idea that central planners are better at allocating capital than an ecosystem of individuals acting in their own interests just doesn't make any sense.  The more I learn about the world, the more I realize how little I know.  Expecting humans to be smart enough to understand and manage something as complex as an economy is akin to expecting present-day doctors to design a human body that rivals a natural human body in form and function.  I understand the need to occasionally intervene and mitigate some of the harsher aspects of nature, but when you take the stance that central planning is superior to a free-market system (or as free as possible given our inclinations towards empathy), you are basically saying that humans are capable of beating nature at its own game.  That is an audacious presumption.  I have seen zero evidence of that being the case now or at any point in the past."
seriously?  local papers are the worst for advertising now. it is a buyers market, i expect many local papers to disappear in years to come.  at least with nationals they can get a wider circulation and reasonable ad rates from national retailers, auto groups etc  IIRC the NYT did have a local paper group (which was grouped with their boston globe assets?) and sold it off - probably for a big loss.
Form 8288 is to report to the IRS withholding of capital gains tax that may be due from the seller. Foreign nationals don't always file tax returns, so they often didn't pay capital gains tax on properties that they sold. Congress decided to make the buyers responsible for this tax so that they would have a better chance of collecting it. There is a penalty against the buyer if that tax is not withheld. Your attorney should have filed this form on your behalf as part of the closing papers. I think your first step is to look at your copy of the closing papers and see if money was withheld from the sale. There definitely should be disclosure of these requirements before the sale. You should also follow up with your attorney to see whether he has already filed the forms 8288 and 8288-A on your behalf. If you had purchased for less than $300,000 (and were purchasing for your primary residence), you would not have to file that form, but since the property was under $1,000,000 the withholding rate is only 10% (rather than 15%).
I have never been requested to send a voter registration card. What on earth for? It sounds as if you don't have a credit report available on your SSN, so they're having trouble verifying your identity. But the most I have ever been requested to send to an online bank (ING Direct in my case, and I too didn't have a credit report yet when I opened an account there) was the Social Security card and a driver's license.  Once you have a proper credit report information (a couple of loans and a couple of address changes), they can compile the data into a set of verification questions, which would be used to verify your identity. If you do send stuff - make sure to fax it to their 800 fax number, do not send via email. It may also be that their user database is compromised and someone is phishing you. Make sure they're the ones asking for info (and getting it) by calling their phone number (take the number from their web-site, not the emails).
Yeah, well, you should have seen what John Law was doing across the channel with the Mississippi Company.  It could be argued that Mr. Law was the singular force that ended up causing the French Revolution.   Heady times... heady times for all.
My guess is that it probably has more to do with the Husi food scandal in China. McDonald's restaurants in Beijing had so little inventory after removing their meat supply from Husi that they were only serving soda and french fries for about a week.
Slightly abbreviated version of the guidance from NOLO.com California state law limits credit check or application screening fees landlords  can charge prospective tenants and specifies what landlords must do when accepting these types of fees. (Cal. Civ. Code § 1950.6.)  Here are key provisions: I am not a lawyer, but it would seem you have two options if you catch a landlord violating these rules. An idea to avoid the whole problem in the first place: Get a copy of your credit report yourself and take a copy with you to meet the landlord. If they want an application fee, ask why they need it making it clear you know the above law. If they say for a credit report offer to give them a copy in lieu of the fee.
Everyone loved McDonald's when they where younger. There was a reason for that. It WAS better back then. McD's needs to open up a few Retro McDonald's. Bring back the old fried apple pies. Fry the french fries in animal fat. Regular milk shakes instead of triple thick shakes.
"Anecodotal but par for the course for being in /all , my vegan buddy gets food from here often, probably the only fast food other than french fries. Order any item fresco style and they'll replace cheese and sauces with pico-digio. No meat, makes that vegan.   It's also fairly easy to tell them what you want on your buritto "" bean burrito, fresco style, add black beans and rice""  $1.45"
"**Noblesse oblige** Noblesse oblige is a French phrase literally meaning ""nobility obligates"". It denotes the concept that nobility extends beyond mere entitlements and requires the person who holds such status to fulfill social responsibilities, particularly in leadership roles. The Dictionnaire de l'Académie française defines it thus: Whoever claims to be noble must conduct himself nobly. (Figuratively) One must act in a fashion that conforms to one's position and with the reputation that one has earned. *** **Morning in America** ""Prouder, Stronger, Better"", commonly referred to by the name ""Morning in America"", is a 1984 political campaign television commercial, known for its opening line, ""It's morning again in America."" The ad was part of the U.S. presidential campaign of Republican Party candidate Ronald Reagan. It featured a montage of images of Americans going to work, and a calm, optimistic narration that suggested that the improvements to the U.S. economy since the 1980 election were due to Reagan's policies. It asked voters why they would want to return to the pre-Reagan policies of Democrats like his opponent Walter Mondale, who had served as the Vice President under Reagan's immediate predecessor Jimmy Carter. The phrase ""It's morning again in America"" is used both as a literal statement (people are shown going to work as they would in the morning), and as a metaphor for renewal. *** **French Revolution** The French Revolution (French: Révolution française [ʁevɔlysjɔ̃ fʁɑ̃sɛːz]) was a period of far-reaching social and political upheaval in France that lasted from 1789 until 1799, and was partially carried forward by Napoleon during the later expansion of the French Empire. The Revolution overthrew the monarchy, established a republic, experienced violent periods of political turmoil, and finally culminated in a dictatorship under Napoleon that rapidly brought many of its principles to Western Europe and beyond. Inspired by liberal and radical ideas, the Revolution profoundly altered the course of modern history, triggering the global decline of absolute monarchies while replacing them with republics and liberal democracies.
"In practice No, not at zero. Banks currently have the ability to borrow at very low interest rates but not quite at zero.  Using the Fed Funds Range as a metric we can see that recently (Nov 2015) the lower bound of the fed funds range was 0.05%.  Fed funds are overnight lend/borrow transactions between banks (often between the federal home loan banks and other institutions) 0.05% is also the FED's current Reverse Repo Program rate (RRP), which is the rate at which certain counterparties can deposit cash with the FED overnight in exchange for collateral.  The collateral (US Treasuries) is insurance against the FED defaulting, a very low risk considering the FED has the ability to create more US Dollars out of thin air.  In theory the RRP rate should be a lower bound for the fed funds rate however in practice it is possible to see lower rates trade in the street. What do you mean by ""Third party institutions""? Only banks of the highest credit quality are able to borrow at the lower bound of the Fed Funds range.  These are usually large domestic banks like JP Morgan, Bank of NY etc...  As credit quality decreases the rate at which they borrow increases. Currently Skandinavien, German, French banks have relatively good credit and borrow overnight money towards the lower part of the fed funds range.  Italian, Spanish and smaller regional US banks have lesser credit quality and borrow at the higher end of the Fed Funds range. Institutions with lower credit quality would borrow at still higher rates."
Good question given what happened with Equifax You could avoid paying extra to Experian  for monitoring all three, if you are getting free monitoring from Equifax(Only if Experian charges less for monitoring their own vs monitoring all three). If you do cancel monitor all three then the only one you would not be monitoring is Trans Union, but you should be fine as most finance companies report to at least two credit unions. But if you want to be 100% sure then monitor all three. But I would regard that as an overkill(personal opinion)
The value premium would state the opposite in fact if one looks at the work of Fama and French. The Investment Entertainment Pricing Theory (INEPT) shows a graph with the rates on small-cap/large-cap and growth/value combinations that may be of interest as well for another article noting the same research. Index fund advisors in Figure 9-1 shows various historical returns up to 2012 that may also be useful here for those wanting more detailed data. How to Beat the Benchmark is from 1998 that could be interesting to read about index funds and beating the index in a simpler way.