vania-janet/multiturn-rag-retrieval-data huggingface dataset:
It's not taxpayer money.  It's from the ill-gained profits of Ticketmaster.  The legal expenses will come from Ticketmaster as part of the settlement.  Each plaintiff gets $1.50 per ticket bought up to 17, they are not asked to pay for the attorneys.  If Ticketmaster chooses to raise prices they will lose sales and hopefully another company will find a way to compete with them and cut into their market share.  Again the individual class member (anyone who used Ticketmaster the last few years) did no work aside from signing their name to the agreement and now want to bitch about getting a free coupon.  If you think you could have won a million dollar judgment for being overcharged by a few dollars you are simply delusional.  The legal system is not meant to reward people for being screwed over but to restore people to their rightful position and to punish wrongdoers.
Perhaps you take it a step further and go cash only.  Cash only will make it just another step harder to spend your cash. Also split your money into multiple accounts.  Checking that auto pays bills, a savings, and an investment account. You have to want to change to change.  Post a blog and public calendar with your expenses and that might make you think twice about spending your money.  If you don't want to tell everybody else, maybe you don't spend it. Perhaps see a shrink too.  You need help identifying patterns before you do them, and having insight into your motivations could help.  I am not saying go forever, but perhaps a few sessions or a couple of months.  You might be addicted to spending.  Join a group and talk about it.
"While you want it to grow faster than inflation, there are things like I-bonds that can carry some inflation protection with them for an idea that may make sense for part of this. There are now some more details and I'd think this seems alright initially though I would suggest considering having some kind of on-going plan to handle periodically seeing how much more to invest here and what kind of taxes will this generate for you as taxable accounts can carry a mix of dividends, interest and capital gains that you may have to pay even though you didn't see the gain yourself. Keep in mind that if you do go with a big-name investment bank, this could well add more fees as well as other stuff.  Lehman Brothers was a big name investment bank once upon a time and they went broke.  While you may want to be hands-off, I'd still suggest having some kind of timeline for how often are your investments to be reviewed and things re-allocated.  Each quarter, semi-annually, or annual?  There isn't so much a right or wrong answer here as much as I'd point out that one should be aware of the trade-offs in each case.  If you take annual and wonder each week how it is doing, then something a bit more frequent may make sense.  On the other hand, some people may well ""set it and forget it"" which can work as long as there is something to know about where to go if something does go broke.  As these are managed investments, the SIPC check I'd make may not hold though this would be the equivalent of FDIC for deposits when dealing with securities. The REIT can be useful for diversification, sure.  You do realize that there may be some interesting taxes for you in the next few years given the nature of a REIT investment, right?  The ""Return of Capital"" that a REIT may pass through as a REIT to maintain its tax status must distribute 90% of its net income each year that can be quite a off shoot of funds.  Where would those proceeds be invested?  This isn't mentioned in your post and thus I'm curious as if the REIT passes out a dividend yield of say 5% then this is $2,000/year that could go somewhere."
or is this a form of money laundering? May not be, generally the amounts involved in money laundering are much higher. So if there are quite a few such transactions then yes it could be money laundering. It could also be for circumventing taxes, depending on country regulations one may try to do this to get around gift taxes etc. In this specific case it looks more of link harvesting / SEO optimization. Take a low cost item that is often searched and link to other product. if you see the company link on Amazon; Cougar takes you to shoes. So maybe on its own Cougar shoes does not rank high, so link it with similar name brand in different segment and try to boost the link.
There are two types of 529 programs.  One where you put money aside each month. The one offered by your state may give you a tax break on you deposits. You can pick the one from any state, if you like their options better. During the next 18 years the focus the investment changes from risky to less risky to no risk. This happens automatically. The money can be used for tuition, room, board, books, fees. The 2nd type of 529 is also offered by a state but it is geared for a big lump sum payment when the child is young. This will cover full tuition and fees (not room and board, or books) at a state school. The deal is not as great if they child wants to go out of state, or you move, or they want to go to a private school. You don't lose everything, but you will have to make up the shortfall at the last minute. There are provisions for scholarship money. If you kid goes to West Point you haven't wasted the money in the 529. The money in either plan is ignored while calculating financial aid. Other options such as the Coverdell Education Savings account also exist. But they don't have the options and state tax breaks. Accounts in the child's name can impact the amount of financial aid offered, plus they could decide to spend the money on a car. The automatic investment shift for most of the state 529 plans does cover your question of how much risk to take. There are also ways to transfer the money to other siblings if one decides not to go to college. Keep in mind that the funds don't have to be spent as soon as they turn 18, they can wait a few years before enrolling in college.
"I'm all for thrift stores and yard sales. When they're littler they're more into comfort, perhaps insisting on certain colors, but somewhere around 13 they start to become more fashion conscious. If you want name brand clothes for kids, hit yard sales or consignment stores in better neighborhoods. Other places are Ross's or Marshall's. Both carry name brands. It's just you never know what they'll have. Another stategy is to buy fewer clothes. If you do laundry twice a week, you just don't need as much. Aim for mix and match. Also have play clothes for rough and tumble wear and ""good"" clothes for school and church. All these help keep costs down. My sister and I maintained an informal exchange between the cousins. This helped a good deal. A church in our neighborhood has a yearly clothing giveaway. That kind of thing may be an option for you as well. Or you could request needed items on Yahoo's freecycle. I see alot of clothes being given or requested on that site. I had one son who ripped out knees. Double kneed pants were a great investment. It looked like a rather large patch of fusible interfacing attached to the inside knee area. So it might work if you tried that on exisitng pants. Hope these help."
"Joe Blo Digital Heaven is a name but not an author  you see, an author can be researched via simple Google queries.  I have found a BOATLOAD of these ""authors"" to have LinkedIn links, Twitter accounts and Fakebook...but ZERO actual credentials  so if a garbage of load of fakers can be easily exposed, the ones who don't even list a name could be even more fake"
The brand name is of more importance to most people. After all, you just some pay for the bag - you pay for the appeal that a brand name might have.  A cross body bags will feel instantly 10 times better than a brand name bag. It wouldn't be exaggerating to say that when buying clutch bags. Maybe, buying designer clutch bags is not for everyone. You need to have quite a large budget to afford one.
"You need to elaborate a bit.       ""Cash"" just means physical currency, ie. bills and coins.       But cash is just an investment in currency.       Wealth is the ownership of *something*. Could be real estate, could be stocks, could be gold.       But your wealth has to be *somewhere*. And every investment has its risks and returns.       Imagine you had a million USD in the bank. And then ISIS carried out nuclear attacks on Chicago, LA, and New York.       You would still have a million USD, but you would be a lot less wealthy."
As others have said, please talk to a professional adviser. From my quick research, domain names can only be amortized as 197 intangible if it's used for the taxpayer's business. For example, if Corp A pays $200,000 for corpa.com and uses that to point to their homepage, they can amortize it over 15 years as a 197 intangible. (Please refer to this IRS memo https://www.irs.gov/pub/irs-wd/201543014.pdf.) The above memo does not issue any guidance in your case, where domains are purchased for investment or resale. Regarding domain names, the U.S. Master Depreciation Guide (2016) by CCH says: Many domain names are purchased in a secondary market from third parties [...] who register names and resell them at a profit. These cost must be capitalized because the name will have a useful   life of more than one year. The costs cannot be amortized because a   domain name has no useful life. So your decision to capitalize is correct, but your amortization deductions may be challenged by the IRS. When you sell your domain, the gain will be determined by how you treat these assets. If you treat your domains as 197 intangibles, and thus had ordinary deductions through amortization, your gain will be ordinary. If you treated them as capital assets, your gain will be a capital gain. Very conceptually, and because the IRS has not issued specific guidelines, I think holding domain names for resale is similar to buying stock of a company. You can't amortize the investment, and when you sell, the gain or loss is a capital gain/loss.
Once you click on the link, you will now see a button on the page. Go ahead and click this button. Here we will be able to select our hosting plan. We will see three different options. We will see a base, plus, and a top rate option. If you have more than one website, you can choose either the Plus Plan or the Prime Plan. Go ahead and press the Select button when you find the plan you want.  We are now brought to a domain page, where we can choose the domain name we want completely free of charge. If you already have a domain name, you will see that you can enter it on the right side. When you get a new domain name type, what you want to see when it is available. Be sure to choose a domain extension that you like like .com, .net, .org, etc … Now select the next button.  We are now in creating your account page and here we will enter our information. Below we see package information and contact plan. Here we can select the term for our hosting package. So we can choose 12 months, 24 months and 36 months. You’ll see the longer you go your hosting plan for yours to get a discount and it will actually be cheaper. You see the setup fee is completely free and the domain name is free.
"Diversification tends to protect you from big losses. But it also tends to ""protect"" you from big gains. In any industry, some companies provide good products and services and prosper while others have problems and fail. (Or maybe the winners are just lucky or they paid off the right politicians, whatever, not the point here.) If you put all your money in one stock and they do well, you could make a bundle. But if you pick a loser, you could lose your entire investment. If you buy a little stock in each of many companies, then some will go up and some will go down, and your returns will be an average of how everyone in the industry is doing. Suppose I offered to bet you a large sum of money that if I roll a die, it will come up 6. You might be reluctant to take that bet, because you can't predict what number will come up on one roll of a die. But suppose I offered to bet you a large sum of money that a die will come up 6, 100 times in a row. You might well take that bet, because the chance that it will turn up 6 time after time after time is very low. You reduce risk by spreading your bets. Anyone who's bought stock has surely had times when he said, ""Oh man! If only I'd bought X ten years ago I'd be a millionaire now!"" But quite a few have also said, ""If only I'd sold X ten years ago I wouldn't have lost all this money!""  I recently bought a stock a stock that within a few months rose to 10 times what I paid for it ... and then a few months later the company went bankrupt and the stock was worth nothing. I knew the company was on a roller coaster when I bought the stock, I was gambling that they'd pull through and I'd make money. I guessed wrong. Fortunately I gambled an amount that I was willing to lose."
Hey buddy, I'm not sure what you aim is when logging into Reddit (I could fathom a guess), but I am actually here for stimulating and informative debate. This is a basic right.   So with that in mind, I could be from Mars and I still would find it interesting to come by and comment in what stirs my interest.   You, on the other hand, seem to thrive from ineptly trying to belittle people you know nothing about. I know that has a name, but it just escapes me...
"Budgeting is a tool for planning, not for execution. It sounds like you don't have a problem BUDGETING (planning what to spend on what things) but rather with the execution of your plan. That is - living frugally. This is primarily an issue of self control and personal psychology - not an issue with the mechanics of budgeting and finance, which explains why the most popular personal finance ""gurus"" (Dave Ramsey, Suze Ormond) deal as much with your relationship to money and spending as they do with financial knowledge. There is no easy answer here, but you can learn to spend less. One helpful thought is to realize that whatever your current income is, someone in your community is currently making less than that and surviving. What would you do differently if your real, actual income was $100 or $200 less than it is currently. If your food budget is a concern, learn to cook cheaply. (Often, this is more healthy.) You mentioned schooling, so I assume you are on or near a college campus. Many colleges have all sorts of free-food opportunities. (I used to eat free vegetarian meals weekly at a Hare Krsna temple. Price of admission: listening to the monk read from the Bhagavad Gita.) Fast food is, of course, a complete no-no on low-budget living. It probably goes without saying, but just in case you haven't: cancel cable, get a cheap phone plan (Ting is excellent if available in your area), and otherwise see how you can squeeze a few dollars out of your bills. On the subject of frugality, I have found no book more enlightening than: Money Secrets of the Amish: Finding True Abundance in Simplicity, Sharing, and Saving"
The third month you have $600 in the bank so you lose an additional $6, total loss = $12. Etc. So you should transfer the money to the investment about the third month. Compounding would mean that losses on transferring to the investment are a little higher than this, so you'd want to bias to transferring a little earlier. Or, you could set up a spreadsheet to do the compounding calculations month by month, and then just look down the column for when the investment total minus the bank total is greater than the broker fee. Sorry I'm not giving you a definitive answer, but maybe this helps."
"You're welcome to hold any opinion of my writing as you like, 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.   The culture I'm complaining about is everywhere, not just in b-school. Look at Hacker News, TechCrunch, or any kind of startup event. Or the VCs who got together to lament ""dipshit companies"" as anyone who doesn't swing for the fences:  *The VCs, for their part, fight back more quietly. They point out that very few angel funded startups end up very big or interesting. “An entire generation of entrepreneurs are building dipshit companies and hoping that they sell to Google for $25 million,” lamented a venture capitalist to me recently. He believes that angel investors are pushing entrepreneurs to think small, and avoid the home run swings. And you don’t get a home run unless you swing hard, he says. When you play it safe you nearly always lose.*   http://techcrunch.com/2010/08/15/venture-capital-super-angel-war-entrepreneur/  If you (anyone, not OP) don't think this attitude is rife, you're not paying attention."
Stay out of the big four banks and pick an online bank.  Most online banks don't have fees for incoming wire.  Ally and Capital One 360 to name a few. You can also try credit unions.  DCU doesn't charge any fees for incoming wire.  Alliant Credit Union doesn't charge fees for incoming wires. USAA too doesn't charge a fee.
Actually they have marked up the regular price so they are only ""discounting"" to the fair price. You gotta see the scam, unsubscribe and/or tune out. They are preying on you. Get angry about that! Very good people to follow regularly are Suze Orman or Dave Ramsey, depending on your tastes. As for the ontological... freedom is a hard problem. Once food and shelter needs are met, then what? How does a free person deny his own freedom to structure his activities for a loftier goal? Sadly, most people pitching solutions are scammers - churches, gurus, etc. - after your money or your mind. So anyone who is making an effort to get seen by you and promise to help you is probably not a good guy. Though, Napoleon Hill managed to pry some remarkable knowledge from Andrew Carnegie in his book ""Think and Grow Rich"". Tony Robbins is brilliant, but he lets his staff sell expensive seminars and kit, which make him look like just another shyster. Don't buy that stuff, you don't need it and he doesn't need you to buy it."
You're welcome. Pm me if you have questions. Ideally you would get to a point where you are debt free save a mortgage if that's where you are heading. Your interest rates a low enough save the credit card debt that you may want to look into an investment portfolio. Especially if you have more than $3k in cash. You don't need to keep that much cash at your age. Most investments are liquid enough you could get it out in a couple of days in case of an emergency. Though you will want to think about how taxes and market timing could affect you.
If it's in your name and you don't live there, there's a number of issues. If you charge her rent, it needs to be at fair value to treat it as a rental property.  If she lives there for the next 20 years, it will (or we hope) gain value. If she passes while it's in her name you get to step up the basis, and avoid tax. If in your name , the gain would be taxable.
"Journal entry into Books of company: 100 dr. expense a/c 1 200 dr. expense a/c 2 300 dr. expanse a/c 3   //   cr. your name 600 Each expense actually could be a total if you don´t want to itemise, to save time if you totaled them on a paper.  The paper is essentually an invoice. And the recipts are the primary documents. Entry into Your journal: dr. Company name   // cr. cash or bank You want the company to settle at any time the balce is totaled for your name in the company books and the company name in your books.  They should be equal and the payment reverses it.  Or, just partially pay. Company journal: dr. your name  //  cr. cash or bank your journal: dr. cash or bank  // cr. company name Look up ""personal accounts"" for the reasoning. Here is some thing on personal accounts. https://books.google.com/books?id=LhPMCgAAQBAJ&pg=PT4&dq=%22personal+account%22+double+entry&hl=es-419&sa=X&redir_esc=y#v=onepage&q=%22personal%20account%22%20double%20entry&f=false"
"&gt; Maybe then he'll sell the name to somebody who wants to make something out of it.  That assumes that the name has any value left in it.  After the massive decline that Sears has gone through, would you want to call your new venture ""Sears"" and take on all of the baggage that comes with that name, or would you want to come up with a new name that hasn't been soiled by a predecessor company?"
There was an app that used to do this and it stopped for some reason. I loved it, if you are looking for something you could quickly text a few stores and see who gets back to you with what you need. Probably a gateway to ordering more delivery from storefrontS
"At least a snake oil seller would admit to being a snake oil salesman eventually.  You're right - they're everywhere.  These people (99% are women) are so earnest, totally humourless and indignant.  I'm disabled so they buzz around me like flies.    Collectively they are so annoying, so misguided but, unlike the snakeoil guys, these people believe it all.  ""Wellness"" gurus, I-can-cure-cancer-eating-salad f-wits and, my personal favourite, the people who blame me for getting (and keeping) my condition that started when I was 12.  It's all my fault.  Sanctimonious hippy arseholes - I know where they should shove their crystals."
When purchasing a condo in a university town, it is almost guaranteed that the prices will be inflated as a result.  This is because you are competing not only with single-home, primary residence homeowners, but also with a multitude of investment buyers and landlords who want to purchase a rental property.  Universities are popular rental markets due to their stability (there will always be students looking for a place to live), and as a result the areas attract investors more than other markets. This can work in your favor, however.  If you don't mind sharing your residence with other students, and you don't mind the part time work that being a landlord requires, you can live much cheaper and even make money over the next few years as your roommates pay your bills.  Owning a primary residence rental property also brings a lot of tax benefits because you can claim expenses and depreciation against your income.  This could benefit your father who could be a co-owner and would certainly benefit from the write-offs against his higher tax bracket. The real trick that makes or breaks the experience is finding mature, responsible roommates who will cause the minimum amount of headache.  If this part of the equation is missing, it can lead to distractions from school and even legal worries when you have to think about things like unpaid rent and/or evictions.
If you are sure you are right, you should sell stock short. Then, after the market drop occurs, close out your position and buy stock, selling it once the stock has risen to the level you expect. Be warned, though. Short selling has a lot of risk. If you are wrong, you could quite easily lose all $80,000 or even substantially more. Consider, for example, this story of a person who had $37,000 and ended up losing all of that and still owing over $100,000. If you mistime your investment, you could quite easily lose your entire investment and end up hundreds of thousands of dollars in debt.
You'll need to check PayPal's terms of service for that first question. I would imagine you could, as my wife and I both have personal PayPal accounts listed at the same address. When you receive money, the senders will only see the (full) name on your account, the amount, and the transaction ID. If you set up a business account, the name on your account will be replaced with the company name. Your mailing address will not be made visible. Yes, PayPal provides an export option of your transaction history. For reference: If your volume greater than $20,000 across 200 or more transactions, then they'll be issuing a 1099-K form, anyway. That depends on the payment method. Bank transfers are instant, where cards require a settlement delay. PayPal provides buyer protection, so I'd be very dutiful in logging all of your work done to provide proof of completion, in case someone disputes a payment. Disputes can take place up to 45 days from the date of the transaction. Chargebacks can take place 120 days or more after the transaction (depends on the card network).