vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"The real question is what can you NOT do! If you track all your monetary actions, you know everything about your monetary situation. That means you have the tools to ask and answer ""what if"" questions, such as: ""If I get a 10% raise, could I take longer vacations?"" You could calculate how much you spend per day on vacation and then consider the amount of your raise and how much of it you'd need to allocate to vacations to, say, be able to take a two-week vacation instead of a one-week vacation. ""How much more would I have to earn to move to this nicer apartment?"" This may seem like a simple question, but a surprising number of people can't answer it in a reliable way, because they don't have a clear understanding of how much money they make and how much of it they can afford to spend on housing. If you find you have lots of spare income, maybe you can move to the nicer place right away; if not, at least you can get a sense of how much more money you'd need to make it happen. ""If I started taking the bus to work, how much would I save?"" You can look at how much you spend on gas and compare that to the price of a bus pass. By separating out categories like gas, repairs, and car insurance, you can also calculate different scenarios, like if you still kept your car but only used it for occasional trips, versus if you sold the car and used only public transportation. ""If I want to take a trip to Tahiti, what can I cut back on to save the money?"" Using your table you can pencil out scenarios like ""Suppose I stop eating out for lunch at work and just bring my lunch, how long would I have to do that to save enough to pay for a plane ticket?"" These are just a few random examples. The general idea is that with a record of hard numbers, you can start to consider potential tradeoffs in an objective way --- that is, you can ask ""how much in category X would I have to give up to gain this thing I want in category Y?"
I believe it goes a little something like this: During period of inflation, all boats rise. Everyone get's richer, and gain control of more physical assets. During periods of depression, debts are being called due by those who gave out the loans (these few powerful men) that can't be paid, and so foreclosures and the like occur, giving the creditors control of the actual physical assets.  Basically you have to track physical assets instead of financial ones to see how the boom and busts are beneficial to the wealthy.
@ Chris:  Companies like Keane, ours, and others know where to look for these funds and where to ask at the correct agencies that are holding this money that is not part of the public links that you have access to. This is how we find this information.  Our types of companies spend significant time, money and resources in finding out about the money, then finding who it actually belongs to (because it does not always belong to who is mentioned on the list) and then finding the correct individual. @ jdsweet:  I apologize if you think this is a marketing ploy.  It is not.  Our company doesn't even take phone calls from people that want us to find them money.  Only if we contact someone, because at that time we're confident that the person we touch base with is due the funds. Again, I am not plugging our company, but trying to let Neil know that in some cases he is right, you don't need a third party to claim funds for you - if you can find them.  In this case, he has looked and cannot find them.  Keane is charging a fair amount to retrieve funds he cannot find and doesn't know about and is not charging him anything to do all the work. Again, as mentioned above, the direct answer is that we know how to access information and lists that have this money hidden from the public because the agency holding the funds doesn't want you to know about it so that they can escheat the funds.  Escheating is the state's legal way to confiscate your money.   See, if you don't put in a claim for the money (depending on what type it is and where it is located) the agency and state holding the funds has certain time frames for you to get the money.  If you don't, again, they get to keep it and that is what they want despite what they say.  That is why there is approximately $33 Billion that is known to the public and really $1 Trillion that's out there. I apologize if you think that this is a plug for my company, it's not because we're not looking for calls, we make them.  I'm also not asking Neil for his business. From all accounts on my side, this seems like a fair deal.
Maybe he doesn't want to give up work? I know he had some pretty big medical expenses with a heart attack this past year but that wouldn't set him back that much. I know some of his assets aren't liquid at the moment.    To be honest, I don't know.
"I don't know how annuities work it's all smoke and mirrors to me. This is a huge red flag to me. I would ask the agent what the penalty is to cancel this contract, and see ho much you can get back. If done right, you should be able to transfer these funds to an IRA or other pretax account.  To be clear, I'd make a similar remark if you said your were in a S&P ETF or any investment you don't understand. ""Appropriate investment"" means little if the investor has no understanding of what they are buying.  Update in repose to comments -"
"&gt;""This process is terrible, I hate it, it has a damaging effect on the market, and we could easily prevent it from happening. But I choose to keep it because of a hardline adherence to ideology.""  Not exactly and nothing of the sort.  I think it unfair because it gives a leg up to those with access but then, such is life. I also think it unfair that kids in the middle class have access to tutors, kids of the rich have access to elite private schools, those with money have access to better medical care and so on.  However, as someone may well ask and do so rightfully - ""So what?""  To use cycling as an example - Use of HFT is the equivalent of having access to better training, better gear and better opportunities. You don't ban those just because the poorer countries can't have access to those. The practice of placing orders and immediately canceling them is the equivalent of pulling a Lance Armstrong, better handled by the association than by the government using taxpayer money."
Going to the grocery store, while a pain, still seems less painful than trying to find and order stuff online, and then having to wait around for the delivery.  I can go to the grocery store and back in an hour and I'll know immediately if they didn't have something, I can make substitutions, I know different brands/names of things are okay, etc.  Fiddling around trying to make sure they get the right Thai chili paste or suitable kalamata olives seems like more trouble than it is worth.
Thanks for your reply. I understand what all of the functions are, however, what I want to know is what I will be doing in Layman's terms. I guess I would just like to know what a day-in-the-life of what I would be doing will be. I would also like to know what I should expect during the phone interview I am having on Monday.   Thanks for your help on the matter
Sure I'll play this silly little game.  &gt;the us gov't was &gt;10x smaller before 1900.  Not specified therefore absolutely meaningless. Ten times smaller how?  By volume?  &gt;but the US had the richest poor,  Again, this is a relative term to which you haven't given any relation.  &gt;you don't know economics.  Not the original poster, but I'm pretty sure everything you know of economics comes from Econ 101, Ayn Rand or both.  &gt;the soviet union had a system where the rich and poor were forced to be relatively equal, but everyone was poor as hell!  I'm not going to spend 10 minutes diagramming this sentence.
How is this different from Ford offering a performance tune on a V8 though? It's the same thing, just a software upgrade allows you to access more power. The alternative to not having that model is not having access to a car that cheap. Plenty of companies do this all the time, I don't understand how this angers you besides the fact that it's Tesla doing it.
Also, likely with all your children out of the house at college, what do you and your wife want to do? Travel? Give to charity? Own your own home? 5 Years You mention having children and your wife staying at home with them. Can your family live on just your income? Can you do that and still achieve your 50 and 25 year goals? If not, further education or training on your part may be needed. Are you in debt? Would you like to be out of debt in the next 5-10 years? I know I've raised more questions than answers. This is due mostly to the nature of the question you've asked. It is very personal, and I don't know you. What I find most useful is to look at where I want to be in the near, mid and long term and then start to build a plan for how I get there. If you have older friends or family who are where you want to be when you reach their age, talk to them. Ask them how they got there. Also, there are tons of resources out there to help you. I won't suggest any specific books, but look around at the local library or look online. Read reviews of personal finance books. Read many and see how they can give you the advice you need to reach your specific goals. Good luck!"
Dow Jones: http://en.wikipedia.org/wiki/Historical_components_of_the_Dow_Jones_Industrial_Average  NASDAQ: http://en.wikipedia.org/wiki/NASDAQ-100 (scroll down) S&P Tricky. From what I can find, you need to be in Harvard Business School, a member of CRSP, or have access to Bloomberg's databases. S&P did have the info available years ago, but no longer that I can find.
Those folks should be introduced to some real estate folks I know, they'd get along famously, being as how they still think it's 2007. The amount of housing out there requires that a large market of consumers is available to purchase them. If housing prices rose infinitely ahead of salaries, the market for potential buyers would continue to shrink until supply would outstrip demand. And then we have the wonderful housing bubble like the one that we just went through (or in some places like China, have the potential to go through). Short version: It violates the relationship between supply and demand.
&gt; I was under the impression that ads do better when people don’t know they’re an ad.  This is very true. If I were getting to make the rules, selfishly as a marketer, I wouldn't require this. Trick is, this isn't Instagram making the rules. It's the FTC. The FTC requires these disclosures or we could face major fines. They've done it before and have been stepping up their enforcement. So if I have rules, I'd rather a company like Instagram make it easier to comply with those rules. Right now it's iffy. The influncer has to use certain language in certain places or the FTC isn't satisfied. But I still want the post to sound 'organic'.  With this method, I don't have to mess with including certain phrases in the copy or certain hashtags. I can just roll with a normal looking post and check a box that labels it as sponsored. Easy, simple, and I'm covered.  On top of that - the best part I really, genuinely love (and the 'carrot' that will get even sketchy marketers to use this, is that I get to see live data on the post's performance. Right now only the user of the account can see the post's performance. So I have to trust that the user is right that the post got 39000 impressions. I can see likes and comments, but that's it. With full access to reporting on the post, I can also see reach, impressions (which gives me engagement rate), and saves - all of which are huge factors in determining the success of these sorts of posts.
"So long as you have complete, virtually instant access to funds through checks, debit card, or ATM transaction, then yes it would be a better option than a ""vanilla"" savings account.   If it's in a brokerage account that you would need to process a transfer and potentially wait a few days for everything to settle, then I would just keep it in savings. The amount earned in interest isn't worth the extra hassle.  A compromise might be to keep a few thousand in a savings account and the rest in a money market.  That way you earn some interest and still have instant access to enough funds to cover most emergencies."
I have and I was close to going that route but I live in a relatively rural area and the only viable antenna would need to be powered and roof mounted. This is something I would be willing to do as it's still cheaper than having cable/satellite but even with this I won't get many of the games I want (we would still not have clear reception for some major channels). I found that basically, without ESPN I cannot get the majority of the games we want to watch.   That's what it boiled down to. No ESPN. I was all set to get an Apple TV (or similar device), a powered antenna, a VPN so I could catch the European soccer I like but I couldn't find a way to get ESPN and that eliminates too many of the games we like to watch.
"Mostly ditto to @grade'eh'bacon, but let me add a couple of comments: Before I did anything, I'd find out more about what's going on. Anytime someone tells me that there's a problem with ""security codes or something"", I get cautious. Think about what the possibilities are here. Your relative is being scammed. In that case, helping him to transfer his money to the scammer is not the kind of help you really want to give. Despite your firm belief in your relative's integrity, he may have been seduced by the dark side. If he's doing something illegal, I'd be very careful about getting involved. My friends and relatives don't ask me to commit crimes for them, especially not in a way that leaves me holding the bag if things go wrong. Assuming that what is going on here is all legal and ethical, still there is the possibility that you could be making yourself liable for taxes, fees, whatever. At the very least I'd want to know what those are up front. As @Grade'eh'bacon, if he really has a problem with a lost password or expired account, by all means help him fix that problem. But become someone else's financial intermediary has many possible pitfalls."
"Thats why I think its really funny when everyone says Bill Gates or Carlos Slim or anyone else like that is the ""richest"" in the world.  It's all a floating benchmark based on that day's stock valuations and known stock holdings and has nothing to do with liquid cash or assets.  I'd be more curious to know about old European money such as Rothschilds, old country royalty and the true value of Rockerfellers assets."
"Microsoft still supports XP with security updates for large enterprise companies that are willing to pony up a few million for the support contracts because it's cheaper than upgrading existing infrastructure.  I know at least 2 of the banks I've worked with are currently paying for extended XP support (although ironically, my understanding is that they're paying for desktop support so they have more time to migrate business critical legacy apps, rather than anything related to deployed ATM infrastructure)  Most ATMs aren't ""online"" in any form that most people would associate with the internet.    AFAIK most of the hacks against ATMs that don't require physical access are for stand-alone or retail based machines (Think of the unbranded ATMs you see in gas stations or stores that only take cash).  Although if anyone happens to have details on a Major bank ATM exploit, I'd love to see the details."
"Here are the issues, as I see them - It's not that I don't trust banks, but I just feel like throwing all   of our money into intangible investments is unwise. Banks have virtually nothing to do with this. And intangible assets has a different meaning than you assume. You don't have to like the market, but try to understand it, and dislike it for a good reason. (Which I won't offer here). Do your 401(k) accounts offer company match? When people start with ""we'd like to reduce our deposits"" that's the first thing we need to know. Last - you plan to gain ""a few hundred dollars a month."" I bet it's closer to zero or a loss. I'll return to edit, we have recent posts here that reviewed the expenses to consider, and I'd bet that if you review the numbers, you've ignored some of them. ""A few hundred"" - say it's $300. Or $4000/yr. It would take far less work and risk to simply save $100K in your retirement accounts to produce this sum each year.  The investment may very well be excellent. I'm just offering the flip side, things you might have missed.   Edit - please read the discussion at How much more than my mortgage should I charge for rent? The answers offer a good look at the list of expenses you need to consider. In my opinion, this is one of the most important things. I've seen too many new RE investors ""forget"" about so many expenses, a projected monthly income reverts to annual losses."
"My question boiled down: Do stock mutual funds behave more like treasury bonds or commodities? When I think about it, it seems that they should respond the devaluation like a commodity. I own a quantity of company shares (not tied to a currency), and let's assume that the company only holds immune assets. Does the real value of my stock ownership go down? Why? On December 20, 1994, newly inaugurated President Ernesto Zedillo announced the Mexican central bank's devaluation of the peso between 13% and 15%. Devaluing the peso after previous promises not to do so led investors to be skeptical of policymakers and fearful of additional devaluations. Investors flocked to foreign investments and placed even higher risk premia on domestic assets. This increase in risk premia placed additional upward market pressure on Mexican interest rates as well as downward market pressure on the Mexican peso. Foreign investors anticipating further currency devaluations began rapidly withdrawing capital from Mexican investments and selling off shares of stock as the Mexican Stock Exchange plummeted. To discourage such capital flight, particularly from debt instruments, the Mexican central bank raised interest rates, but higher borrowing costs ultimately hindered economic growth prospects. The question is how would they pull this off if it's a floatable currency. For instance, the US government devalued the US Dollar against gold in the 30s, moving one ounce of gold from $20 to $35. The Gold Reserve Act outlawed most private possession of gold, forcing individuals to sell it to the Treasury, after which it was stored in United States Bullion Depository at Fort Knox and other locations. The act also changed the nominal price of gold from $20.67 per troy ounce to $35. But now, the US Dollar is not backed by anything, so how do they devalue it now (outside of intentionally inflating it)? The Hong Kong Dollar, since it is fixed to the US Dollar, could be devalued relative to the Dollar, going from 7.75 to 9.75 or something similar, so it depends on the currency.
Most people don't see it that way and it may drive me to personally renounce my citizenship even though I would really prefer not to. But I also won't let the crazy over-reach of the US government threaten future financial stability and cost a crazy amount annually just to be compliant.  And yes I know about the FEIE and yes it's significantly more complicated than that for anything other than a simple employee-employer relation with minimal assets.
I 100% agree with you.  You have to have a really strong bank acquire the shitty bank, the concept is that the strong bank has the capital reserves and loan loss provisions to absorb and write off the bad debt. Hopefully if shit goes right then in 5-6 years you now have written off or restructured the bad loans and have double the assets.   Kinda like how Santander bought Banco Popolare recently. However, I dunno how that's going to work in India as it's a shit bank buying a shit bank. You kinda need the government to step in and recapitalize the banks which is going to suck, IMF says it could cost up to 2% of the country's GDP to do it.
&gt; The single payer health care makes it so much easier to be a contractor or to create a startup.   You have no idea how much I want a Single Payer for that exact reason. Also that it would allow everyone to have access to healthcare.   Single payer would not only reduce healthcare burdens on employers but control the cost of healthcare.  I hope we have a state by state implementation of Single Payer.
"not sure how you could be more wrong.  my favorite part by far was the fedora worthy ""nonsense, and unworthy of further comment."" definitely followed by a little tip, wasn't it?  you've missed every single point i bought up. i'm not acting like investors are fat cats - you're borderline illiterate, and spend too much time on r/libertarian or watching fox news, so you jumped at the opportunity to straw man ""a dang pretentious librul."" what i said was ""relatively elite,"" exactly because i'm not saying they're cigar chomping pigs- they have a lot of money relative to most of the population.  i simply don't care enough to try to go point by point. my whole point was that the comment i was replying to represents the style of mainstream economics that misrepresents basic phenomena, and your reply was just a doubling down.  ""they are rational"" - lol literally choke on your MLP figurine. you've no idea what you're talking about. your other posts indicate a greater ignorance - you don't know how to watch the vix, or why your options move the way they do? really shocking /s"
"&gt; Don't slam it with some aphorism about how we should ""work to live"" when some people feel their work is their ""purpose""(the musks of the world).  I wasn't slamming the idea of working with purpose because you love the job.  That's a great way to live and I wouldn't ever knock it.  I was slamming the idea that you're not successful if you make less than $500k.  I was trying to give examples of people who live successful lifestyles without huge salaries.  Salary is relative, salary is not necessary to live a fulfilled life."
"The type of ""office job"" and the level at which you're expected to perform (usually relative to the compensation) need to be considered.  Just because you know Susie, the slacker data entry specialist I, can play on Facebook and Snap chat in between her poor attempts at being productive doesn't mean that all office jobs are like this.  Susie probably isn't expected to get very much done and is most likely compensated as such, most likely less than a good manufacturing or laborer's job."
I believe he thinks that it cannot be racist if it is the truth, when in reality it's not true. I think that a large part of the reason white people were successful in the United States was because of the massive wealth of resources. His comparison to Zimbabwe makes no sense because it is a completely different physical climate with different resources.   But of course he pins it on skin color, because it's easy for him to do in his mind. It's really upsetting to know there's still a lot of people like this; I also don't know how they can continue lying to themselves, with evidence of successful people from all races and cultures.  Obviously the massive wealth in the UAE is due to the fact that they're brown, not because of the oil /s.