vania-janet/multiturn-rag-retrieval-data huggingface dataset:
&gt; Show me clear evidence that a grocer is doing this, including references in their actual financial statements.  Are you really that  naive? If a company is doing this, it is not going to put that evidence on public display.    This might be more of a local specific. My country had some very lawless years with high corruption rate - if you were displaying big profits there would be many people that would try to either take away your business entirely, or to extort money out of you. Usual preferred methods included operating entirely on credit (thus profits go to the bank, and not the owner) and using many short lived intermediates.
Are you being paid through a limited company or an umbrella company ? Are you self employed If not what they are doing is illegal. If you are being paid a salary, then the employer has to contribute their part of National Insurance. I believe they are treating you as self employed, hence asking you to generate invoices. Check your contract wordings properly. Or get help from Citizens Advice. Call them or visit their local office. Or else do call up HMRC.  But if you are invoicing them, I would assume you are self employed and you have to do your self assessment. Get in contact with HMRC and ask them to generate your Unique Taxpayer Reference (UTR). THey will send you the UTR and using this you can fill your tax returns.  It looks like cumbersome now, but it isn't so. You can do it yourself, I do mine. Or at the end of the financial year, get an accountant to do the returns for you, probably should charge you £100-£150. Keep all your invoices, bills, bank statements safely. This is some help from HMRC website
Are you sure the question even makes sense? In the present-day world economy, it's unlikely that someone young who just started working has the means to put away any significant amount of money as savings, and attempting to do so might actually preclude making the financial choices that actually lead to stability - things like purchasing [the right types and amounts of] insurance, buying outright rather than using credit to compensate for the fact that you committed to keep some portion of your income as savings, spending money in ways that enrich your experience and expand your professional opportunities, etc. There's also the ethical question of how viable/sustainable saving is. The mechanism by which saving ensures financial stability is by everyone hoarding enough resources to deal with some level of worst-case scenario that might happen in their future. This worked for past generations in the US because we had massive amounts (relative to the population) of (stolen) natural resources, infrastructure built on enslaved labor, etc. It doesn't scale with modern changes the world is undergoing and it inherently only works for some people when it's not working for others. From my perspective, much more valuable financial skills for the next generation are:
*ALL* phone calls are intrusive. When they are from someone I know, the intrusion is easily forgiven. When it is from a stranger, there is no reason to forgive the intrusion. When that stranger then tries to sell me something, anything, I am immediately cold to their entreaty.  As to alternatives, the [request for proposal](http://en.wikipedia.org/wiki/Request_for_proposal) is worth considering. When I am in need of something, I invite marketers like yourself to submit proposals. In this case, your phone call is much more welcome because I implicitly asked for it.  &gt; if I truly believe that the product I'm selling is going to improve your life, it would be incredibly fucking rude not to give you the opportunity to obtain it.  Incorrect. You are putting yourself in the position of the evangelist, so consider the perspective of [atheists on Christian evangelism](http://atheism.about.com/od/atheismatheiststheism/a/ObjectEvangeliz.htm).
"I feel like you could talk this one down diplomatically, but only if you find a way to not be dismissive of the female employee. This will be difficult since your tone makes it sound like you don't seem to believe women when they tell you it's not always fair to be female in the tech industry.   For instance, most women would never want to be hired for a quota or because they are attractive . That belief also undercuts women when they do get hired because they are good at their jobs. The pay gap is complicated and in part do to care giver responsibilities but that doesn't make anyone feel less salty.   Anyways I suspect that if you told this female employee, ""X had their opinion but we as a company hear your point of view in this."" And affirm her experience, the issue will be withdrawn. She is afraid she is in a chauvinist culture and lashing out.   I do agree that calling a disagreement sexual harassment trivializes the issue, and this personally irritates me. But you're going to get a lot of salty women if the culture of your company is to tell them you don't believe their experiences. As for firing, don't even think about it. It only ends in shelling out a lot of money to her or lawyers."
"Yeah but a lot of people wont see it that way. Most will read the headline Burger King to avoid US taxes and then wonder why BK isnt pulling their weight when they do business inside the US.   Look at what happened when Walgreens tried this [Source](http://crooksandliars.com/2014/08/walgreens-wont-leave-usa-avoid-taxes) It didnt go over so well. Made them look unAmerican. I hate using that word but that is what it looks like.""the bulletin reported that Walgreens has decided not to “invert” the company’s nationality to become a Swiss company"" I have no idea if this will happen to BK."
I need to see the policy you are referring to give a more accurate answer. However what could be happening, it’s again the way these instruments are structured; For example if the insurance premium is say 11,000 of which 1000 is toward expenses and Term insurance amount. The Balance 10,000 is invested in growth. The promise is that this will grow max of 9.5% and never below zero. IE say if we are talking only about a year, you can get anything between 10,000 to 10,950.  The S & P long-term average return is in the range of 12 -15% [i don't remember correctly] So the company by capping it at 9.5% is on average basis making a profit of 2.5% to 5.5%. IE in a good year say the S & P return is around 18%, the company has pocketed close to 9% more money;   On a bad year say the Index gave a -ve return of say 5% ... The Insurance company would take this loss out of the good years. If say when your policy at the S & P for that year has given poor returns, you would automatically get less returns.  Typically one enters into Life Insurance on a long term horizon and hence the long term averages should be used as a better reference, and going by that, one would make more money just by investing this in an Index directly. As you whether you want to invest in such a scheme, should be your judgment, in my opinion I prefer to stay away from things that are not transparent.
It is completely in the realm of each lender what they request. Some lenders always want to see proof of income, and others have decided to look only at other things. Their decision has nothing to do with you, your situation, your income, or your credit history. You are of course free to go to another lender that does not want proof of income.
"It's actually quite refreshing to see someone lay part of their biases on the table when we would otherwise have to infer from their statements. One of the reasons I like blogs is because once I've mostly figured someone out I don't have to wonder about figuring out the biases of the authors.  -Someone who holds positions that seem to be rather correlated to those of a ""small l"" libertarian."
It is great that you are asking this question now while you are young. Because it is much easier to put this strategy into play now while you are young. As far as using a cash value policy to help diversify your portfolio: I am no expert in how to allocate long term investments after maxing out my IRA and 401k. (My IRA maxes out at $5k/year, another $5k for my wife's, another $16.5k for my 401k.) Before I maxed that out I would have my house paid for and kid's education saved for. And by then it would make sense to pay a financial adviser to help you manage all those investments. They would be the one to ask about using a cash value policy similar to @lux lux's description. I believe you should NEVER PUT YOUR MONEY INTO SOMETHING YOU DON'T UNDERSTAND. Cash value policies are complex and I don't fully understand them. I should add that of course my calculations are subject to the standard disclaimer that those investment returns aren't guaranteed. As with any financial decision you must be willing to accept some level of risk and the question is not whether to accept risk, but how much is acceptable. That's why I used 7% in my calculation instead of just 10%. I wanted to demonstrate that you could still beat out whole life if you wanted to reduce your risk and/or if the stock market performs poorly."
I think you hit the point of the book. People need to stop taking every word in the book literally. Sure it has some bad advice but overall the big picture is that the book is supposed to change the way you think. Its supposed to open your mind to how a rich person should be thinking and get out of what he calls the rat race. His ideas in the book are great and it really has inspired me to be my own employee and achieve my own financial freedom.
We have had to let at least 4 people go from entry level assembly and warehouse picking positions when we try to transition them from temps to full time. Of course we have warned all of them multiple time that there will be a drug test when they move to full time. I know the last one was due to cocaine, which really doesn't make sense to me but it's a barrier that the company is not getting rid of because if you are not able to get clean even just long enough to get hired there is a good chance of other issues as an employee. Especially when most of these positions involve driving forklifts and delivery vehicles.
&gt;1) Everyone is going to get sick.  Which is why everybody has an incentive to cover themselves with THEIR OWN insurance policies.  &gt;2) Most medical issues happen by chance.  See above.  &gt;3) We live in a society and we all live better when all of us are healthy.  Which is why it's so important that people have a strong financial incentive to stay healthy - i.e. not being healthy is expensive, and people should feel those expenses personally.  &gt;4) It is morally the right thing to do.  Morality is a gray area.  I completely disagree with you on this one.  It is not moral to point a gun at somebody to force them to pay for somebody else's stuff.  It is expedient.  &gt;There is no death spiral yet. You're just buying the Republican talking points.  I don't care about any political party's talking points.  My full time job is in the financial markets.  I pay attention to what companies are actually doing, and what they are actually saying about trying to operate under Obamacare.  They are saying it's a mess, and they financial results speak for themselves.
The question is for your HR department, or administrator of the plan. How long must you hold the employee shares before you are permitted to sell? Loyalty to your company is one thing, but after a time, you will be too heavily invested in one company, and you need to diversify out. One can cite any number they wish, 5%, 10%. All I know is that when Enron blew up, it only added insult to injury that not only did these people lose their job, they lost a huge chunk of their savings as well.
FedEx pays as little as it can get away with to employees, because it CAN.  We are in an employer, not employee, favoring market.  Of course they pay less.  But the Post Office is antiquated.  If it wants to survive, it needs to adapt to the times.  The reasons it is kept around seem more sentimental than anything else.  I used to work at the Post Office, and I definitely didn’t make $5.00 / hour more than anyone.  Unless they were waiters, who depend on tips.  I still want to see how we know government employees are making $5.00 / hour more than they should.
Term insurance is definitely expensive at 60 but so is permanent insurance.  Let's think about why people buy each one: Term -- makes sense if you are worried about death during a certain period of time but not afterward.  Often this is young people trying to get out of debt, have young dependents, etc., who expect to have more money later in life and less need for insurance. Permanent -- makes sense if you want to ensure that your dependents get paid (tax free) at your death even if you die at an age when you are basically uninsurable.  These plans make sense if you hold them forever but if you get out of them early, there are often large fees that will make it a pretty bad deal. The fact that your uncle is already in a permanent plan makes me think it might make sense to continue.  Check the details to see how large the fees on getting your money out early would be.   Given that he has a disabled wife, having a permanent plan may make sense, especially if her disability is not one associated with dying younger. Having said that, I can see an argument for term insurance if your uncle is primarily concerned with providing for his daughter and won't be concerned about it after she's out of school.   The answer really depends on:
"This is yet another in a long series of ""stop whining, the economy is fine"" articles.  It's a lie.  The economy is not fine.   There are good points in the article and it is important to not be misled by bad statistics, but he works hard to pretend that there are not problems in places where those problems are evident in the statistics.   He claims that falling labor force participation rate is because the statistics don't adjust to an increasing percentage of retirees, but everyone I know talks about the 25-54 statistics, in which retirement is negligible.  When you compare those to overall numbers, it shows big problems in the 25-54 numbers, and that people over 54 are working more and longer than they used to, not retiring sooner, an indication that they can't afford retirement.  He claims stagnation in median household income is misleading  because of a 5% drop in hours worked, which is completely bogus given the scale of the difference we're talking about.  Then he dismisses the disconnect between productivity and median wages by claiming that it's inappropriate to compare an average with a median, despite the fact that that's exactly what inequality is."
exactly this. of course young millennials want to be downtown where the action is. once you have kids, the whole dynamic of your life changes and the things you need and want access to change as well.   but apparently it's easier to just lump an entire generation together when trying to define their needs and wants.
The problem is that some of us want to design an engine that is fair and stable. Others just want to win. Once some people know who has a chance of winning, they no longer see it as a space in which they are wanting to design something fair, they are seeing the design problem as part of the competition space.  It's really important to teach people from a young age that the rule space itself is a sacred trust and that one must design a system so that they would be happy being any of the players in the system, not just the player they know themselves to be.
"I'm trying to see where you're coming from -- I'm trying real hard. While I think you're entitled to your opinion, I think it's a bit harsh.  Is it the most amazing piece of literature I've ever read? No. That aside, she makes some very good points to the whole ""Startup"" mentality. While there are companies/startups that don't fit in to that mold exactly, a vast majority of them do."
My young sweet experience to rent BMW’s Mini’s I'm only 18 and I rented a BMW 1 series from HBC Car Rentals for 2-weeks, to drive around Central London and North West London. After searching the internet for a hire company which rents to young drivers we stumbled upon HBC Car Rentals, not only could they rent to me they had the great reviews a very competitive price.  HBC Car Hire is located minutes away from Wembley stadium. They have a large array of cars to rent, even to young drivers. Their mission is to make the hire of Cars and Vans simple and accessible. And HBC car hire stand by that!! You let them know your requirements and they will organize everything for you in one complete package AT AFFORDABLE RATES. HBC Car Rentals aims to meet everyone’s need.  They’re Located in North West London, Close proximity to Wembley Central Tube Station, Wembley stadium and Wembley Park Station. And on major bus route like Bus 18 Bus 83 Bus 292 and many more. HBC Car Rentals exceeded our expectations. Find more from hbcrentals(dot)co(dot)uk
Here is an IRS Publication 552 covering records retention The publication covers many areas, including proof of income, bank statements, old tax returns. There is a table that talks about how long to keep the records. In general it is 3 to 6 years. But for property it is 3 to 6 years after you dispose of the property.
I'm not really sure yet. I know I'm beginning my upper level finance courses (Corp. Finance &amp; Investments this Autumn) so I am going to try and see what I like. Investments have always attracted me but I have to experience it before I can say what I would like. I'm really open to anything.  I know excel quite well (thought of getting Microsoft certified to put on resume) and stats have always been fun for me. I took 2 intro to accounting courses but have forgotten most of the material. Is there any part of accounting you recommend is valuable (auditing, financial acct, reporting &amp; financial statements, etc.; maybe any course suggestions bc I know Ohio State Uni has multiple courses on different acct topics)?
The request to block the money is made by the Party who sells the product. Based on this request the Bank blocks the funds. Subsequently the Party who sold the product makes a charge against this block. Just to give an easy example; So in the online train booking there are multiple messages sent between the Bank and SNCF. Something has gone wrong. It looks like the message from Bank sending back the Block reference number to SNCF has not reached. So as per Bank there is a Block and as per SNCF there is no block. Keep chasing SNCF to issue a letter so that you can send it to the Bank and get the Block removed. Typically the Blocks by the Bank are for a period of 30 days and if there is no charge against that block it automatically gets reversed.
"&gt; Check the ""maybe""(s): they are all yours! [Here](https://www.reddit.com/r/economy/comments/6sb4qh/for_the_last_time_trump_hasnt_made_the_economy/dlk1hax/) is where you first used ""maybe"" to talk about President's Trump's possible position on Medicare drug negotiation. [The post right after](https://www.reddit.com/r/economy/comments/6sb4qh/for_the_last_time_trump_hasnt_made_the_economy/dlk99em/) I point out your ""maybe"" statement is only one of an infinte number of maybes so none of them have value. Ever since you have claimed that judging President Trump on what he may be doing was my position. It never was. &gt; How ""instability"" will happen because it's tiny bit hotter? I gave you [a link](https://www.americansecurityproject.org/climate-security/) when I said global warming is a serious risk to the country. It gives possible scenarios. &gt; I asked you, again, and again, and again, and again, to give me one ACTION by Trump that you oppose. [Here is your first request for an example](https://www.reddit.com/r/economy/comments/6sb4qh/for_the_last_time_trump_hasnt_made_the_economy/dlflgm7/): *Tell me of something that Trump did that you do agree to or do not like.* [Here is the second request to which I responded](https://www.reddit.com/r/economy/comments/6sb4qh/for_the_last_time_trump_hasnt_made_the_economy/dlgw0h6/): *Please find me something significant that Trump did that you don't like.* Neither one asked for an ""action"".
The app also allows you to track their computer and TV time as well as other activities. - Measurement is the key to knowledge, control and improvement. CEOs have goals for their businesses and Moms have goals for their family members. In either case, the best way to achieve a big-picture goal is to identify action steps and objectives and a system for measuring progress. Want to improve your kids’ test scores, help your husband lose weight or – gasp – free some time for yourself? There are four phases to help track progress: planning, or establishing goals; collection, or conducting research on your current process; analysis – comparing information from existing processes with the new one; and adapting, or implementing the new process. - Understand your home’s “workforce.” A good CEO helps her employees grow and develop, not only for the company’s benefit, but for the employee’s as well. Most people are happiest when they feel they’re learning and growing, working toward a goal, which may be promotion within the company or something beyond it. When they feel the CEO is helping with that, they’re happier, more productive, more loyal employees. Likewise, CEO Moms need to help their children gain the skills and knowledge they need not only to succeed in general but to achieve their individual dreams. - A well-running household is a community effort; consider “automated” systems. In business, automated systems tend to be as clinical as they sound, typically involving technology. Yet, there’s also a human resource element. Automated systems are a must for CEO Moms, and they tend to take the form of scheduling at home. Whose night is it for the dishes, or trash? One child may be helpful in the kitchen, whereas another may be better at cleaning the pool. About the Author: Zenovia Andrews, www.zenoviaandrews.com, is a business development strategist with extensive experience in corporate training, performance management, leadership development and sales consulting with international clients, including Pfizer, Inc. and Novartis Pharmaceuticals. A sought-after speaker and radio/TV personality, she is the author of “All Systems Go” and “MAXOut: I Want It All.”
"Your credit card limit is nothing more than a simple number.  When you purchase something, the merchant receives a number (i.e. the amount of the transaction) from your card company (e.g. Visa) in their bank account, and that number is subtracted from your limit (added to your balance). The amount is recorded, and isn't changed, so that's how they get the ""exact"" amount you paid.  Transferring a number is easier than the retailer having to wait for cash to get from you to your card company to them.  Moving numbers around is the basis of the modern financial system. And yes, it is always a risk to let someone else have your credit card number.  An untrustworthy company/person may use it to charge you without your permission, or if they have your full details they could use it as if they were you.  With a reputable retailer like Amazon, the main risk is data theft: If a security hole is found in Amazon's system, someone could steal your credit card info and misuse it."