vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"&gt;&gt;Have enough funds to run the business and pay yourself the first year, plus 30%  &gt;This is going to vary wildly depending on the particular business. So much so that a rule of thumb would be impossible to define.  Absolutely.  One of the things that varies ""widely"" is what amount constitutes the **""pay yourself the first year""** -- which will fall anywhere on a wide spectrum from the low end that is essentially below poverty level (someone young, used to living as we used\* to say ""like a college student"" -- needing only enough to cover a minimal ""survival"") to someone who has ridiculously extravagant needs (married with a family, McMansion mortgage and multiple ""new"" status vehicles, etc) that they expect to maintain -- and then the additional 30% grows in proportion *on top* of that subjective base figure.  \* I wrote ""used to say"" because we are talking about *back in the day* when ""living like a college student"" meant minimalist ""bare-bones"" needs, akin to a monastic/ascetic life: a shared small dorm/boarding house room with minimal furniture, NO partying, ZERO ""amenities"" (certainly no water parks with ""lazy rivers"", no ""food courts"", etc -- nothing like most US colleges and universities have today)."
"Banks make less profit when ""long"" rates are low compared to ""short"" rates. Banks lend for long term purposes like five year business loans or 30 year mortgages. They get their funds from (mostly) ""short term"" deposits, which can be emptied in days. Banks make money on the difference between 5 and 30 year rates, and short term rates. It is the difference, and not the absolute level of rates, that determines their profitability. A bank that pays 1% on CDs, and lends at 3% will make money. During the 1970s, short rates kept rising,and banks were stuck with 30 year loans at 7% from the early part of the decade, when short rates rose to double digits around 1980, and they lost money."
"Strangely enough, you have a wash sale, but, for the fact that you sold the shares and then more than 30 days passed, you can take the loss.  I mistakenly used the phrase ""and ended the year with no shared of the stock"" elsewhere, and was corrected, as one can sell at a loss up to 12/31, and have until the end of January to create a wash condition.  In your case, the facts in June combined with you ending the year with no shares removes any doubt, a wash sale, but one that's fully closed out.  Note - while Vicky's answer is correct, it should go on to say that once the stock is not owned for 30 days, the wash sale loss is permitted."
Regarding doing this with your HOA: the cost could be very high. In my community the annual dues is less than $100 a year. When people don't pay they are aggressive. There is a late fee after 30 days, then a higher penalty at 60 days. That 2nd notice comes from a lawyer. The community charges the homeowner the lawer's fee. After another 30 days they file a lien. With those costs a small bill has ballooned to over $1,000. Property tax has two other issues. The government can sell your house. The lender can foreclose. Neither is good.
"APR stands for ""annual percentage rate."" This means when you see a loan with a 6% rate, it is 6% per year.  On a $100,000 mortgage, where you aren't paying much of the principal down at first, a 6% rate would have you paying nearly $6,000 in interest in the first year alone."
You just need to average out the weekly hours and income over the year. So if his yearly income is $100,000 p.a. then this would average out to $2000 per week of which 15% would be $300 per week. It does not have to be exactly 15% per week as long as over the long run your saving your target 15%. If he gets a pay rise you can include this in the saving plan. Say he gets a 5% increase in pay you would increase the $300 per week by 5% to $315 per week.
India celebrates Independence Day on August 15 each year. India gained Independence from British rule after 200 years. This special day of celebration can be made more special by sending flowers. A bouquet of enchanting flower is considered a perfect gift for celebrations.
"As this is anonymous, can you give us actual numbers? I can make guesses based on your percentages, but it would help. Lets assume you both make $35k (since you said child care would take up the bulk of your wife's income, it must be fairly low incomes) The answer usually isn't a simple ""do this"", but small adjustments in your lifestyle which add up. Church offering is 17%, the standard tithe is 10%. Lower it? It's the most obvious large non-required expense. Transportation is almost 10% of your income. If my numbers are right, that is somewhere around $500 per month? What kind of car/cars do you have? There are very cheap used cars which cost very little in upkeep / fuel. Is it possible your cars are more expensive than needed? My wife and I bought a used car for around $8k in cash a few years ago. Still running strong, only have done oil changes since then. Food is 12%, which would be perhaps $600 or $700 per month. That seems awfully high. Maybe I'm wrong about your salaries :) You said you were cheap, but now the numbers don't add up. Mortgage of 35% ($2k with escrow if I'm guessing on salaries right) seems reasonable. I'm assuming you don't want to downsize, particularly if you're going to have kids. Do you have a great mortgage rate? I assume you're on a 30 year fixed already?"
[13] That is for plans whose first day of the plan year is in calendar year 2007, we look to each employee's prior year gross compensation (also known as 'Medicare wages') and those who earned more than $100,000 are HCEs. Most testing done now in 2009 will be for the 2008 plan year and compare employees' 2007 plan year gross compensation to the $100,000 threshold for 2007 to determine who is HCE and who is a NHCE. The threshold was $110,000 in 2010 and it did not change for 2011. The average deferral percentage (ADP) of all HCEs, as a group, can be no more than 2 percentage points greater (or 125% of, whichever is more) than the NHCEs, as a group. This is known as the ADP test. When a plan fails the ADP test, it essentially has two options to come into compliance. It can have a return of excess done to the HCEs to bring their ADP to a lower, passing, level. Or it can process a ""qualified non-elective contribution"" (QNEC) to some or all of the NHCEs to raise their ADP to a passing level. The return of excess requires the plan to send a taxable distribution to the HCEs (or reclassify regular contributions as catch-up contributions subject to the annual catch-up limit for those HCEs over 50) by March 15 of the year following the failed test. A QNEC must be an immediately vested contribution. The annual contribution percentage (ACP) test is similarly performed but also includes employer matching and employee after-tax contributions. ACPs do not use the simple 2% threshold, and include other provisions which can allow the plan to ""shift"" excess passing rates from the ADP over to the ACP. A failed ACP test is likewise addressed through return of excess, or a QNEC or qualified match (QMAC). There are a number of ""safe harbor"" provisions that can allow a company to be exempted from the ADP test. This includes making a ""safe harbor"" employer contribution to employees' accounts.
Unless the taxes are above 3000 per year it looks like a good deal to buy (the 30 year mtg) You could also consider getting the 30 year loan and add additional principal to your payments.   It looks like your PMI might be about $50 per month.   You will get to deduct over $3000 in interest payments the first year as well as the real estate taxes. Depending on your tax rate that might be something like $100 per month or so of incentive to chose buying over renting.   The big issue to consider is the risk of big ticket items to repair. You should keep a fund for this kind of thing... water heater, roof, fridge, cesspool, etc. good luck
I think the problem with AC is:  It's junky - The entire city seems rundown and poor. The beach isn't very nice (compared to OC Md, Rehoboth, VA Beach, etc...).  It's expensive - It seems like a room that would cost $200/night in Las Vegas always costs like $350 a night in Atlantic City.   I live in Maryland. I vacation in Ocean City MD every year. AC is 30 minutes closer to me. If AC had Las Vegas hotel room prices and a nice beach I would go there every year.
[Here are the three main temperature sets](http://i.imgur.com/8LGxyOR.png). Pretty hard to claim there's been no warming.   Fun fact: for any trend to be relevant for climate, you need at least a 30 year period. What you, and your denier sources are doing, is deliberately preying on ignorance of the basic science to present a misleading and wrong argument.   It's like taking 30 minutes of DOW activity and claiming that the market's obviously going to be up/down/stagnant for the rest of the year.  You're deliberately (or ignorantly) confusing short term variability with a long term trend.
"I agree 100%. I am a search engine marketer with a large focus on adwords. I built my company which has $7mil of revenue a year in a little under 5 years using adwords as the backbone of my marketing. I have helped out lots of friends with small adwords campaigns. Here are a couple examples. My dad is a high end furniture maker. He sold to galleries for decades. They would mark his stuff up 100%. So a table that he sold to them for $2000 they would sell for $4000. I got him a basic website done and started an adwords campaign which costed me about $100 a month. After a year he was no longer selling to galleries. He was charging full retail for his work. That started 5 years ago. He was able to weather this financial crisis when other artists were closing up shop, all because of adwords. I have a friend who is a fisherman. He would sell most of his fish to a wholesale buyer for a low price then take what he thought he could sell retail down to the pier to sell to locals. I got him a website with a call to action which said ""sign up to receive alerts when the fresh fish is coming in"". I started an adwords campaign and ran it to only show ads to people near the pier. I spent about $10 a month. Over the course of two years he built a customer list of over 200 people who get an email every time he is coming in and they call and place orders. Now he knows how much he can sell retail (and that's a whole lot more than he did before). Both of these examples were game changers for these people and all done with minimal adwords expense. One thing you should do is do a google search from your house (should be in the area your dad wants to service) and search for ""plumber in [your location]"". Take a look at ads on the search engine results page. If you see lots of them for plumbers in your area then there will be competition and its a bit of a tougher road (but totally doable).
Rather than walking away from it, peoples' pride will sometimes make them double down on it, and they'll just go along with it to come across as though they get it, even when they really don't. The small payouts at early stages are a classic sign of a Ponzi scheme. Your friend will never listen to you as long as those little checks continue to come in, because to him they're absolute proof he's right and you're wrong. It's those checks (or payouts, however they're doing it) that will make him step up his efforts to recruit other people into the scheme or, worse yet, invest more of his own money into this. Keep in mind that in the end, you really have no power to do anything in this situation other than be his friend and try to use gentle persuasion. He's already made it clear that he isn't going to listen to your explanations about why this is a scam, for a couple reasons. First (and probably greatest), it would be an admission that he's dumb, or at least not as smart as you, and who wants that? Second, he continues to get little checks that reinforce the fact this must be ""real"", or why else would he be getting this money? Third, he has already demonstrated his commitment to this by quitting his job, so from his point of view, this has become an all-or-nothing ticket to wealth. The bottom line is, these schemes work because the sales pitch is powerful enough to overcome ordinary logic for people who think there just has to be an easy way to Easy Street. All you can do is just be there as his friend and hope that he sees the light before the damage (to himself and anyone else) gets too great. You can't stop him from what he's doing any more than you can stop the sun from rising as long the message (and checks) he's getting from other people keep him convinced he's on the right path. EDIT After reading the comments posted in this thread, I do want to amend my statements, because many good points have been raised here. You obviously can't just sit by and do nothing while your friend talks others into taking the same (or worse) risks that he is.
Yeah, so the point is that without Wal-mart a lot of disabled people would be unemployed (a bigger burden on the government). Walmart gets to pay x-amount for their laborers and they still get to work. I worked at Wal-mart for 2 months. My experience might be biased since the floor manager was a total moron, but the job was not difficult. To be honest, the most annoying thing about Wal-mart are the goddamn customers. I almost got run over (this is while wearing a fluorescent jacket) about three times.   All this hate on Wal-mart is coming from over-privileged bloggers who get paid to write stupid bullshit the entire year. My friend got kicked out of his house the moment he graduated from high school. He worked at Wal-mart, got paid 10 bucks (higher than minimum wage) and managed to get back on his feet and then joined the Navy.
I'd try to (gently) point out to your husband that what he thinks he wants to do now and what he might want to do in 20 or 30 years are not necessarily the same thing. When I was 40 I was thinking that I would work until I died. Now I'm 58 and have health problems and I'm counting down the days until I can retire. Even if your husband is absolutely certain that he will not change his mind about retiring in the next 20+ years, maybe something will happen that puts things beyond his control. Like medical problems, or simply getting too old to be able to work. Is he sure that he will be able to continue to put in 40 hour weeks when he's 80? 90? 100? Just because you put money away for retirement doesn't mean that you are required to retire. If you put money away, and when the time comes you don't want to retire, great! Now you can collect the profits on your investments in addition to collecting your salary and live very well. Or have a nice nest egg to leave to your children. Putting money away for retirement gives you options. Retirement doesn't necessarily mean sitting around the house doing nothing until you waste away and die of boredom. My parents were busier after they retired then when they were working. They spent a lot of time on charity work, visiting people in the hospital, working with their church, that sort of thing. Some people start businesses. As they have retirement income coming in, they don't have to worry about the business earning enough to provide a living, so they can do something they want to do because they think it's fun or contributes to society or whatever. Etc.
He said he would need my first and last name and my online banking information not my date of birth, SSN, Address, Bank Address, Routing number, or checking account number This is a scam. No one needs online Banking User name and password. If you have already given this info, close your account and disable internet banking.  not my date of birth, SSN, Address, Giving your date of birth and SSN is also dangerous.  So my question for you is it a scam or could he really be wanting to put money into my account? Oh yeah and also he said they'll send it through my account I'll send half BACK through money gram or western union. There is no legit reason for doing this. This is 100% scam, one would only loose money. Just walk away before any damage can be done
Must be the case. I went to a local chain electronics store here in the UK awhile back called currys.   I saw a tv I liked. Looked up the model number on amazon to find it almost £300 cheaper. A crazy difference.   But... I thought I really wanted this thing asap. So if be willing to pay more (dumb). I asked if I could get it delivered to my house a 5 min walk away.   He said sure. It would be £50 delivery and would take 7 days. I laughed and said I can have this tv for 300 less and delivered via prime tomorrow morning. He didn't even offer a price reduction. So bought it right there on the phone whilst I explained how ridiculous it is they would rather not make a sale at all then compete with amazon.   I hope they go down in flames.
"Week after week, I make remarks regarding expenses within retirement accounts. A 401(k) with a 1% or greater fee is criminal, in my opinion.  Whole life insurance usually starts with fees north of 2%, and I've seen as high as 3.5% per year. Compare that to my own 401(k) with charges .02% for its S&P fund.  When pressed to say something nice about whole life insurance, I offer ""whole life has sent tens of thousands of children to college, the children of the people selling it."" A good friend would never suggest whole life, a great friend will physically restrain you from buying such a product."
I think the government has been pretty cautious about this.  The housing bubble only started taking off when we dropped our prime interest rates to match the US.  Since then the finance minister has personally called up banks when he felt like they were dropping rates too low and I think there's been some fairly strict rules about down payments.  I had to put a 35% downpayment for my bungalow in the city since I was on contract.  Most of my friends put in around 25%.  Everyone in Canada think the housing market is inflated and everyone is trying to calm it down.
"&gt;[...] but after actually typing my name ""Amy Hoy"" you still refer to me as a ""he""? Amy is a girl's name and my picture is obviously of a woman.   I dropped an ""s"", yo.  Chill the fuck out.    You'll notice throughout I pretty consistently referred to you as ""she"" or by name if you really put any attention into what I wrote.    Remember my comment about melodrama?  This is a great example.  You assumed I'm an idiot, rather than that ""he"" once or twice is a typo when there's a helluva lot more ""she""s in there.    Also, why are you rebutting someone who's agreeing with you?  It feels pretty douche-y, and looks like you didn't bother to read what they wrote.    &gt;The culture I'm complaining about is everywhere, not just in b-school.  It's pretty clear in my post that I was bringing a personal example, not making a normative statement.    It's also pretty clear that I in no way buy into Startup Culture, and was criticizing a larger cultural problem than just what I experienced in my schooling.  I did you the courtesy of reading what you wrote before critiquing it, please do me the same."
" The western press wants to make much of the lack of human rights in China, but in 8,000 kilometers of travel we were stopped only a couple of times at checkpoints, whereas as we crossed the Stans—our fast allies—we were stopped scores and scores of times by heavy-handed police. Here in China everyone is too busy making money to poke his nose into anyone else’s business.   And "" While many foreigners who have invested in China may have lost money through ill-conceived investments, you’d never believe it by the bustling economic activity we observed on our cross-China journey. For a long, long time I’ve been enthusiastic about China’s prospects. For many years I’ve urged my friends to teach their children Chinese, as I believe the 21st century will be as much China’s as the 19th century was Britain’s and the 20th century was America’s. For all these years I’ve been waiting patiently for the hibernating dragon to awaken.""  And my googling skills appear to be lost - he did acknowledge that China has poor human rights record but so did US during 19th century"
I can't imagine any scenario under which this wouldn't be a scam, and frankly I'm a bit surprised to be talking about it once again.   Any time someone you don't know and who doesn't know you wants to give you money for no good reason and asks you to provide personal information and bank info, there should be enough alarms going off for a five-alarm fire. Worse still this guy wants you to send half the money back to him.  One simple question: WHY???  For what reason would they want you to send anything back?  Why not just send you the money he wants you to have and keep the rest for himself? For heaven's sake, don't fall for this.  Stay away from the whole mess and save yourself a bunch of grief.
If it's just an ordinary credit card I'd think he could merely dispute the charges, since he's saying they 'created' (which I presume means applied for and received) a card, it should not affect his accounts directly. And especially since application details may be bogus, he should be able to prove it was not him. Even if they got HIS credit card number, he should be able to dispute those charges that are not his, especially if they went to a different address, or were charged someplace (like another city) where he was not present at that time. OTOH, if they created a DEBIT card that was linked to his bank account somehow, well then, that could be a lot more difficult to recover from, but even then, if it's not his signature that was used to apply for the card, or on any charges that had to be signed for etc, he should be able to dispute it and get the bank to put the money back in his account since it will be a case of forgery etc. The big problem with ID theft is people tend to ruin your credit rating, and you end up having to fend off bill collectors etc. The primary thing it costs you (speaking from experience of having checks stolen and forged using a fake drivers license) is the TIME and hassle of getting everything straightened out and put right. In my case it took a few hours at the credit union, and all the money was back, in a new account (the old one having been closed) when I left. Dealing with all the poor merchants that were taken, and with bill collectors on the other hand took months. but I never once in the process needed 'quick money' from anyone. So the need for 'quick money' seems a bit doubtful. I'd want a lot more details of exactly why he needs money from you. Refer your friend to this Federal Trade Commission site and make sure he takes the steps listed, and especially pays attention to the parts about keeping notes of every single person he talks with, including name, date, time, and pertinent details of the conversation. If he has some idea HOW this happened (as in a robbery) then report it to the proper authorities, and insist on getting a case number.
"&gt; The bottom line is that everyone would not mind to enter a PIN to get the transaction through, but a stupid ego trip of the credit card companies who don't want to be ""like ATMs"". That's it.  I mind. If a crook standing behind me in line seems me enter my pin he might then try to mug me for my card outside the store.  If he sees me sign my name he's less likely to do that. This is obvious.  &gt; That's true... if the amount is over $25. Did you notice it? Actually, at Costco is over $50.  That is a relatively new policy a specific few merchants.  &gt; so I just put couple of lines...  That's got less to do with the screen being unable to comprehend your signature, it could d that if they wanted it to, and the fact that many people have terrible signatures. Look at doctors for example."