vania-janet/multiturn-rag-retrieval-data huggingface dataset:
From the doctors perspective it's cheaper to take the $50 then it is to charge the insurance company. And by charging the insurance company he has no control over the cost of the co pay. He essentially has to charge more to make the same money and the patient gets the shaft in the process. Another example, I got strep throat last year. I went to the walk in clinic, paid $75, saw the doctor got my Z-Pack for $15, went home crawled in bed and got better. My wife (who still had separate insurance from before the marriage) got strep throat (imagen that) went to the same clinic, they charged her $200 for the visit ($50 co-pay) and $250 for the z-pack ($3 co-pay). The insurance paid the clinic $90 for the visit and $3 for the drugs. Again the patient is left out in this scenario. In this case it worked better for my wife, unless you account for the fact that to get that coverage she had to pay $650/month. My point is that when comparing costs of heathcare with insurance, and without out insurance, its often times much cheaper for the practices to have you self pay then it is for them to go through the loops of trying to insurance to make them whole. This creates two rates. Self pay rates and Insured rates. When your trying to figure out the cost of not having insurance then you need to use the self pay rates. These can be vastly different. So as an employee you need to figure out your cost of heath care with insurance, and your cost of heath care without insurance. Then user those numbers when your trying to negotiate a salary. The problem is that there is no magic number to use for this because the cost will very a lot. For us, it was cheaper to not have insurance. Even with a pre-existing condition that takes constant attention, it's just better if we set aside $500 a month then it is to try to pay $750 a month. That might not hold true for everyone. For some people or conditions it may be better to pay the $750 then to try to handle it themselves.
The article clearly states the tax dodging isn't more than an ancillary benefit. Who knows.  I do know Big Tobacco split their co's in half between domestic (US) and international operations due to the incredibly burdensome regulatory environment. It was holding back growth plans. There may be some of that here.  Or maybe BK doesn't want to file for bankruptcy for the umpteenth time this decade. This is a way to spread the debt around and stabilize.
Definitely push for a check, they may not do anything nefarious with your credit card number however someone else may be able to read the email before it gets to its final destination. It's never safe to give out credit card number in a less than secure interface. Also, if this is a well known company, then the person interacting with you should know better than to ask for your information through email.
The difference is you were left with a better future than the previous generation. This isn't true for millennials. We never had a chance to stop massive deficit spending, growing entitlements like medicare and social security than we will bear the burden of, and insane tuition increases that leave us in massive debt the day we graduate. Boomers reached into the future to get theirs and it looks like we will be the ones to suffer for it. Until there is a change in age demographics we will keep getting screwed.
It's investment 101. The holding co Piney seeks investments in sports and entertainment facilities and the arena was under foreclosure. So they got it at a good price. The Chicago Blackhawks success only motivates the next generation to skate. So there is a consumer base. If there is a creative focus with experienced management... then they can really turn profits.
"Did it show just your address, or was your name on it as well?   You didn't share how long you've lived at the address either, so it makes me wonder whether a former tenant is the one who filed that paperwork.  It's also possible that someone used your address when making a filing.  Whether that was deliberate or accidental is hard to discern, as is their intent if it was intentional. It could be accidental -- someone picked ""CA"" for California when they meant to pick ""CO"" for Colorado or ""CT"" for Connecticut...These things do happen.  It can't make you feel any better about the situation though. You should be able to go online to the California Secretary of State's website (here) and look up everything filed by the LLC with the state.  That will show who the founders were and everything else that is a matter of public record on the LLC.  At the very least, you can obtain the registered agent's name and address for the LLC, which you can then use to contact them and ask why your address is listed as the LLC's business address. Once you have that info, you can then contact the Secretary of State and tell them it isn't you so they can do whatever is necessary to correct this. This doesn't sound like a difficult matter to clear up, but it's important to do your homework first and gather as much information as you can before you call the state.  Answering ""I don't know"" won't get you very far with them compared to having the best answers you can about where the mistake started. I hope this helps. Good luck!"
1) Financial Analyst in a way is a big title but that is the way it is with anything to do with Finance like almost everyone is a Vice President in an investment bank. Take it slow. Consider and know that you got to swim thru the ocean and learn with every stroke and you may be coming out better than many.  2) First job is always very critical. We all have an image of that real life before starting it. It happens many times that what we imagined was very different than the realities and those cracks in the illusions may make us think that this is just the first step and the first block to give a shape to the resume to get the next better job. That is something which may prove to be suicidal at times because then we just try to learn the macros and not the micros as our objective is not to sail thru it but to use it as a sail to move to the next boat. I always feel that take the job as you are going to retire with it and learn all the details, the micros.... that really adds better value to the resume and yourself.
While I guess you can never tell for sure, I think it is a potential problem. Why buy from you, ship it from the US when probably a similar computer is available nearer to them?  I mean, this person is using a computer and the Internet somewhere, so it can't be that far to a new computer store.  Certainly somewhere in their province if not country or continent. I suspect they will offer to pay with a cashiers check or a money order or something.  Then you will ship the item and the funds will be found out to be bogus a couple of months after you try to cash it.  You have no computer and no money for it. It really makes no sense for this person to go so far out of their way for your standard laptop unless they are trying to steal it.
You've never saved money?  Have you ever bought anything?  There probably was a small window of time that you had to pool some cash to buy something.    In my experience, if you make it more interesting by 'allocating money for specific purposes' you'll have better results than just arbitrarily saving for a rainy day.    Allocate your money for different things (ie- new car, emergency, travel, or starting a new business) by isolating your money into different places.  Ex- your new car allocation could be in a savings account at your bank.   Your emergency allocation can be in cash under your bed.   Your new business allocation could be in an investment vehicle like a stocks where it could potentially see significant gains by the time you are ready to use it.    The traditional concept of savings is gone.  There is very little money to be earned in a savings account and any gains will be most certainly wiped out by inflation anyway.  Allocate your money, allocate more with new income, and then use it to buy real things and fund new adventures when the time is right.
"That ain't nothing. It's really easy to get ""whipped up"" into a sense of entitlement, and forget to be grateful for what you do have. If this house doesn't exist, what would his costs of housing be elsewhere? Realistically. Would landlords rent to him? Would other bankers lend him money to buy a house? Would those costs really be any better? What about the intangible benefits like not having any landlord hassles or having a good relationship with the neighbors? It's entirely possible he has a sweet deal here, and just doesn't make enough money. If your credit rating is poor, your housing options really suck. Banks won't lend you money for a house unless you have a huge ton of upfront cash. Most landlords won't rent to you at all, because they are going to automated scoring systems to avoid accusations of racism. In this day and age, there are lots of ways to make money with a property you own. In fact, I believe very firmly in Robert Allen's doctrine: Never sell. That way you avoid the tens of thousands of dollars of overhead costs you bear with every sale. That's pure profit gone up in smoke. Keep the property forever, keep it working for you. If he doesn't know how, learn. To ""get bootstrapped"" he can put it up on AirBnB or other services. Or do ""housemate shares"". When your house is not show-condition, just be very honest and relatable about the condition. Don't oversell it, tell them exactly what they're going to get. People like honesty in the social sharing economy. And here's the important part: Don't booze away the new income, invest it back into the property to make it a better money-maker - better at AirBnB, better at housemate shares, better as a month-to-month renter. So it's too big - Is there a way to subdivide the unit to make it a better renter or AirBnB?
"Economic slavery is telling her to fight for $15/hour so she can work the same shitty jobs at the same shitty hours for the rest of her life. And even more tragically is that people are telling her she'll be better off with a higher minimum wage.   If the minimum wage is $15/hour, then everything will be priced accordingly. You can't beat the market by price fixing, it has never worked in history and will never work.  All those ""experiments"" of raising minimum wage will never tell the true story if they are isolated by a city, or even a state, because too much is supplied from places that won't reflect a $15/hour minimum wage.   What nobody wants to say is that Fran needs to take a long hard look at why she has been in the fast food industry for 22 years and is still making minimum wage. Managers at McDonald's average $43k/Year (according to Glassdoor), which is more than most teachers make and is more than base pay for most enlisted ranks in the military (it also doesn't include their benefits)."
Definitely sounds like scam. Odds are are high that the page he gave you the link to is a fake and this app is pure identity theft. Run away, unless you are interested enough to do the work to check with the company and confirm this is legitimate.  Nobody contacts strangers with this kind of story without it being a scam. The fact that this one sounds shady is an attempt to keep you from questioning it too closely. Think about it: if it was at all legitimate, couldn't he find a friend of a friend? If it sounds too good to be true, it ain't true. Never download software unless you know exactly where it is coming from. It could be anything from ransomware, to something that first steals all you financial info, then uss you mail account to send a similar pitch to all your friends, to a botnet that uses your machine to attack other machines.
It's too poorly designed. The fact that it forces deflation in the long run means that it can never really serve the purpose of money. That is, it can never be a universal medium of exchange. Then there's the fact that it has proven insecure, because it can be robbed. And it has proven to be primarily an object of speculation rather than exchange, means that the value of bitcoin relative to other moneys is too volatile.
If your concern is scams, we should be talking about counterparties, not bitcoin itself. Unless you think the protocol itself is a scam, which imo it most certainly is not.  You're conflating the trustworthiness of counterparties with the trustworthiness of the underlying protocol, which imo is not a very good model to operate by.  You'll understand the situation better of you look at them independently.  Bitcoin isn't trying to be a credit agency or the better business bureau, it's just trying to be digital money.  Don't expect it to protect you from scams any more than cash will.  That's not its job, and does not affect its trustworthiness as money.
"CALL prevents a cold call email, to be sure.  But if I'm looking for that email just to get the contact associated with it, so that I have someone to solicit by name when I actually call, then that's perfectly fine. Get an email any of these ways (I used 2 for a good three years at my last job) send a personalized email (which will always be completely legal, email is just like regular mail) at off hours or weekends so you get the automated response saying ""John Davis will be out of the office til Monday,  to speak with another representative of Hanson Co's marketing department please contact Sam Smith""  and your golden.  Source: worked for a charity for three years"
You should be aware that many pubs in the London (indeed, the UK as a whole) are sold as a leasehold with a beer tie. This typically means you pay less rent for the building and premises, but must enter a contract with the Pub Company to buy their beer and day-to-day supplies. You have the legal option to instead pay market rent for some (but not all) Pub Cos, under certain conditions. If you go with leasehold, the landlord can usually close your pub at their will. This is becoming a quite common occurrence in the booming real estate market of London. While your interest will be in running a pub, the Pub Co's interest will be in getting change of use planning permission and selling it to a real estate developer.
&gt;Do you know what a derivative is? Did you know it is possible to own derivatives of assets that you do not own? Did you know there are derivatives of derivatives? Did you know that the derivatives market is many times larger than all the money on earth?  Yes, I know all of those things.  I studied finance.  I am a financial analyst by profession.  &gt;It is way beyond what any human can comprehend let alone regulate.  Every trade was either made by a human or made by a computer being instructed to do so by a human.  Stop making it to be a big grandiose thing that nobody understands because most people can't understand it.  Is economics fully understood?  No, it never has been and it never will be.  But we're not talking about economics, we're talking about finance, aren't we?
That Chevy Bolt will never improve from what it is when you drive it off the lot. It's never going to get self-driving capabilities or any software improvements to improve the efficiency of the car. Tesla cars improve over time. They get additional features in the years that follow. A Chevy is what it is and that's all it'll ever be.
There is light at the end of the tunnel, but it is at least a decade off, possibly more - and it is going to get far worse before it gets better.  We've got an economic collapse and a depression coming still.  The government has done about as much economic manipulation as it can reasonably do, and those things can't be avoided anymore.  The only thing the government can do is control the timing to a limited extent (though the more they try to put it off, the worse it will be).  Obama can't fix this - neither can Congress anymore.  The time when it was possible to avoid the disaster is past.  We've been doing this to ourselves for more than 50 years and it will soon be time to pay the piper.  All we can do is prepare for it as best we can and try to ride it out.
Yes but the trendy new term is plant-based diet, and I think the attraction for a vegan fast food would be to get a quick, healthy meal that is reminiscent of typical fast food.  The way meat protein is consumed in the US and elsewhere is typically in conjunction with other processed ingredients.  If someone figures out a good menu with relatively healthy vegan food, I definitely think they could be successful.    Something like Jamba Juice where they have many locations inside or next to gyms seems like it could work.  Smoothies don't always cut it and a quick, cheap, healthy snack would be fantastic after or before a work out.  Honestly I never go to restaurants that serve meats and order something that is strictly vegan/vegetarian.  If there was a place I could go to quickly that specializes in vegan food I would love to give it a try.
The risk is that everything could go wrong in any phase at any time or they could run out of cash and go bankrupt waiting for results. Then there is the FDA that might take forever in approving their drug, or not approve it at all. Human trials could go horribly wrong. The company may be incompetent in bringing a product to market (after FDA rubberstamping), there might not be a market for their particular METHOD of treatment (is it a pill, or is it a torture device you have to strap yourself into for 5 hours a day). And maybe they are never able to make a profit with all the debt they have taken to stay afloat.
Crony capitalism isn't capitalism.  It is basically a case where the government turns a blind eye to wealthy individuals breaking the law, or is even complicit in giving away taxpayer money in the form of no-bid contracts.  This is much more prevalent in China's state-sponsored capitalism.  Their system is textbook crony capitalism.  We still have it but to a lesser degree.  Don't blame capitalism for the government's failure.  Crony capitalism absolutely requires a complicit strong central government in order to flourish.    And there is a difference between the  suburbs around Las Vegas and Chinese ghost cities.  The Las Vegas suburbs were at least built with buyers in mind, even though this turned out to be a mistake.  It was a mistake on the part of a few individuals.  Absolutely a mis-allocation of capital, and I didn't mean to imply that capitalism is perfectly efficient in allocating capital.  But the Chinese ghost cities are a centrally planned project made for the intention of moving rural Chinese people into them in future 5-year plans.  Whether that turns out to be a good investment has yet to be seen, but it seems like it will involve moving lots of people against their will.  But does it not make more sense to gradually build up a city according to what is currently needed, as capitalism tries to do, rather than spend lots of money building an entire city, much of which may never be needed?  There are so many imbalances brewing under the surface in China, it seems like only a matter of time before they all come to a head.
&gt;but it sounds like you know we won't be better off, but want it anyway, just because you don't want other people to get a better deal than you.  Most people drive less than me. I wouldn't be getting a better deal than most other people. Most other people would actually get a better deal than me in a private road system. Right now, I'm one of the one's benefiting from the system we have.  &gt;I don't think it is irrelevant. If everyone is better off working together why not work together?  It's irrelevant to me because I don't think the Federal government should do anything beyond protect your basic rights. I'd gladly pay more because I'm choosing to pay more than be forced to pay simply because the government taxes me.
Listening to the only Engineer's *Union* that I know of trying to argue for their union employees is novel, only because it's engineers.   There is nothing fundamentally wrong with outsourcing, but it does have to be done right. Too often, project managers just see it as a cost savings without really understanding the proper methods and costs to do so.   My guess is that, if you haven't done large-scale outsourcing before, you should expect the total might be more than doing it in-house. The benefit of outsourcing should be a better product and, eventually, a somewhat reduced total cost.
"If I was in your shoes I would have some term insurance, and it is pretty darn cheap at your age.   Your wife is dependent upon your income, and it will take sometime to transition from non-working to working.  As she could probably get a job doing anything, it will probably take many years to build up to the lifestyle she is accustomed.  She may never be able to obtain your salary. While she could spend down the amount you two have saved up for retirement, tax will have to be paid on any non-ROTH contributions.  The decisions for this have to be made within a year of death and are not easy.  I would not want to put my spouse through this.   Plus some day she would have to retire.  If she spends down a significant portion of the savings you have built, well that will need to be replenished and you probably know time is not on one's side when it comes to compounding.   Do you have to have 10x-15x times your earnings in insurance?  No.  Do you need to do a 20 year level term, No.  Perhaps a 10 year level term for like 5x your income.  Just something to ""bridge the gap"".  If you live, you will be much better off financially, and could probably drop the coverage.  If you don't you will not leave her sad and with difficult financial decisions; just sad."
The Truth is that the Orange Lorax never wanted to be president, he was just going to make a shit load of stupid promises he would never have to keep, and then he would make a lot of noise about how bad things were and how he would have done much better had he been elected.  But as luck would have it, this incompetent buffoon got elected and has proceeded to destroy, step by step what has taken decades to build and daily pisses on the very values America is supposed to protect and cherish.   I don't think that even the trail of parasites who saw a great opportunity to consolidate their hold on American society  through their vassal, even imagined how bad he would be.  I look forward to the vengeance with which he will tear through the Fed.
Ok yeah that's what I believe as well you just put it in better words.This is going to happen if it already doesn't already.The update is just a legal way for insta to cover themselves which is a smart move considering the whole Fyre thing  It's social media, brands popping up could easily be coincidences
What you are looking for is travel insurance. I have never heard of this being offered as a credit card perk, but there might be something out there.  You can buy this separately, but only you can decide if it is worth the costs. To me, it would seem to only be worth it for something quite expensive, like a cruise that costs thousands of dollars. The more you travel, the less likely it is to be worth it, since at some point the cost of one canceled trip is less than the insurance paid on the rest of the trips that went through fine. As a frequent traveller, I recommend that you build some flexibility into your plans, especially during the winter. It is not always possible, but try not to need to be somewhere the day of or the day after your flight.  Try to book flights early in the day, as they are less likely to be delayed by problems in flights before them, and you have more options for rebooking. Flight delays due to weather and mechanical problems are not uncommon, and with generally full flights it is sometimes hard to be rebooked in a reasonable amount of time.  Finally, be nice to the gate agents and other airline personel.  In general, they aren't any happier about delays than you are (flight crews want to get home too) and don't have any power over weather or mechanical delays.  Being rude to them will not help, and will make them less likely to go out of their way to find a solution. Be assertive in asking for what you want, but a smile and a kind word goes a long way.