vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"Let me paint you a picture to show you why this does not make sense. It is never fair to ask a business to pay a ""living wage"". It is always fair to ask a worker to chose their jobs based on their needs. Here's why. I ran a business when I was a teenager, doing web development. I did not make very good money but it pushed me to learn and to teach myself to meet the needs of the few clients that I did manage to find. Over the course of the business the thought had crossed my mind to maybe get help from my peers, maybe talk to classmates and see if any of them might have wanted to go into business with me, help me drum up more work, or help me do design or development. As soon as the thought crossed my mind I realized right away that I would never be able to do it, because the regulation was just way too big for little old sole-proprietorship me to deal with. Not only was it confusing, but it was dangerous to me, if I did it wrong I knew I could be sued and lose more than my tiny little business made. On top of the regs involved, I personally was not making minimum wage! What I was making though, was experience. This was more valuable than all the money I made combined, because I worked this way by myself for three years, learning more about my craft all the while. I have parlayed that experience into a ten year long career that currently supports my family, working for someone else. Now imagine if I could pay anyone whatever we both agreed on. Imagine if I could talk to a classmate in highschool and say ""hey, im not making much, but I can pay you x to start with and I will certainly teach you what I know"". it always struck me as selfish, unearned moral superiority to sit here and mandate a minimum wage, you price teenagers and entry-level workers out of the market because people can't afford an army of $20 per hour workers. Its so ignorant of the narrow margins that these business have to face. It is also really short-sighted and money-obsessed to boil a job down to it's wages alone. Minimum wage destroys an ancient method of generating skilled workers: the apprentice system.
Actually funny enough I live in the wine region of CA and there is a whole business here of wine ""storage and shipping"" places. It's up to the states to decide how or if they allow alcohol to be shipped into their state from others, and a bunch of state have very complex rules or just don't allow it. So if you come out here for tourism, drink some wine at a winery, like it, and ask if you can have some shipped home, the answer is about 50/50 to be 'no'. And if you're a average income pleb, that's your answer. If you're some rich dude however, you can say ""ah gotcha, pesky laws... well here's the address of my storage and shipping place, send the 2 cases there then"", nobody bats an eye, and off the cases go. Guy goes home, calls up the shipping place, and says ""hey pull those cases, my personal property, and ship them to me"" and, somehow, magically, this is now legal. I have no idea who's taking on the liability here, if the shipping place has them sign off ""we will ship wherever you ask, it's not our job to verify the legality of your request"" then I guess it's on the consumer, but if you have an entire business built around circumventing state law it would seem to me that this should be a legal problem. But, wine is a high-end commodity, rich people make their own rules, and if CA turns a blind eye to this practice they get to collect the sales tax as it's sold in CA and shipped to a location in CA, whereas fighting it would hurt their tourism and also send the tax income to the states being shipped to. C.R.E.A.M. baby! Re-reading this now I'm not even sure if there IS a liability here. They bought the property in CA, paid tax in CA, and had it sent to a mailing address in CA. What they do after that with their personal property is not the states business, right? I'd imagine this would be drastically different if shipping for resale.
$34/month for doing 12 transactions or more.  If your time is worth less than about $2.50 per transaction, then it makes sense. I'd also check to see what happens if you miss and make only 11 transactions one month.  Do you lose a finger or something?  Or (less dramatically) do they take away your nice rate forever or slap you on the wrist financially? The fine print taketh away in these deals.  I'd be sure to see what it says.
thanks for the reply.  I just graduated and I'm having a lot of difficulty getting any solid job.  I guess I will pick firms in the area like MS, trowe, and see what would be best.  My contact who told me to do this said it's very important to be passionate about it though...perhaps even if I pick a more targeted stock it won't be too valuable given my inexperience?
I'm a seller of large items on Amazon. Had a customer buy and return the item because he ordered the wrong size shelf.  Shipped it back damaged, full refund for the buyer, amazon refused to even take my claim seriously. cost me hundreds, going to be closing my account if it happens again. Amazon is the worst seller marketplace out of all the ones I use.  I'm not going to held hostage to their BS!
I own a gold mine and my cost of producing an ounce of gold is $600. Less than that, I lose money, anything over is profit. Today, at $1500, I sell futures to match my production for the next 2 years. I'm happy to lock in the profit. If gold goes to $3000, well, too bad, but if it drops to $500, I can still sell it for the $1500 as I mine it. I suppose I could also close out the contracts at a profit and still shut the mines down, but the point is illustrated.
What other ways would you suggest? Plus, if I truly believe that the product I'm selling is going to improve your life, it would be incredibly fucking rude not to give you the opportunity to obtain it. And that is how I feel. I'm not wasting people's time, I am honestly trying to better their lives with my product. I don't really understand how that makes me an intrusive asshole. Honestly, its people like you who are the assholes. I'm making cold calls because that's my job. I believe in my product and believe my potential customers will find it desirable too. When people like you assume we are just intrusive assholes trying to rip people off, it makes my job harder, less efficient, and no where near as fulfilling. I would suggest you take a look at yourself and change your attitude towards people who approach you with their products instead of assuming everyone who attempts to sell you something is just a rude, intrusive waste of time.
I have lived in communal houses. Most people don't want roommates. Especially if that means having several kids.  I feel like your arguments are practical, I suppose, but not realistic. If I had 3 kids right now, if anything I would probably be earning less money because my flexibility would be much less. I couldn't pursue an education to earn more money because I would still have bills to pay for my kids. My parents are poor, and they live in an area that my job options would be about 3, and none would pay much more than minimum wage. I am 26, but I have known plenty of 19 year old single moms who just aren't able to get a job that pays well enough to support them, and again, they have few options to develop new skills. I guess you can say it is their fault, but we can hardly say that subway shouldn't have to pay them overtime or what is really less than a living wage. Economists and reality have shown us time and time again that more wages overall means a healthier economy. Every state that has raised wages in the past few years is better off because of it. Every state that has done so has seen their economy grow, and joblessness go down.
My wife and I have done a good job teaching our daughter, now 15, that one does the right thing, simply because it's the right thing to do. This may not work for every child, but it did for us. Her motivation was never punishment, we explained that if she did the wrong thing, it's awful to have to live with that.  On one hand, THEAO's answer is correct, the stick the IRS wields is the audit and fines. I suppose from a legal standpoint, we comply with laws to avoid punishment. I find this to be unfortunate. To get back on topic - I started with an answer more appropriate to Parenting because I have a very precocious child for whom I addressed this question a decade ago. The latter portion of my response helps to give tangible benefits which have value even if less than the tax you might be paying.
"If you were the friend of my daughter or some other ""trusted"" relationship, I would tell you to head on over to Bogleheads.org, follow their advice and do research there.  I would advise you to aim for about a 60/40 allocation.  They would advise you to make a very simple, do it yourself portfolio that could last a lifetime.  No need for financial planners or other vultures.    The other side of this curtailing your spending.  Although the amount seems like a bunch, you probably need to keep your spending under 41K per year out of this money.  If you have additional income such as from a job or social security payments then that could be on top of the 41k and never forget taxes.  To help manage that, you may want to consult a CPA, but only for tax advice, not investment advice.   Certainly you should make the credit card debt disappear.  You may want to reevaluate your current location if the costs are too high compared to your income. Good luck to you and sorry about the wreck."
"I would undoubtedly sell the investments if they are positive, maybe even a little negative.  That's what non-retirement investments are for, building wealth to spend, give, etc. Flipping things may put it in perspective.  Would you borrow money or liquidate your emergency fund in order to invest in mutual funds? If you can completely ignore risk then this MAY make sense. Let's say if you could borrow money at 3.75% and had a ""guaranteed"" investment return of 7.5% and a ""guaranteed"" source of income (job). But mutual funds (stocks, bonds) aren't even guaranteed to make money and they most definitely can lose and lose big. Also, I hope your job isn't in any way tied to the oil industry. On the other hand, if you take a loan and fall on hard times you can liquidate your mutual funds to get out of the bind, but you are at the mercy of the market and the worth of your investments at that point.  So it may come down to whether you want to choose when to spend your investments, when they are up or at some future date when they may be worth much less (or much more)."
"Well, I am an atheist and this was my first job interview after getting back to the states, so I was at a loss for words. I simply said, ""Ummm....I don't know.""  Needless to say I didn't get the job. But I don't think that job would have worked for me anyway if Jesus is an interview question."
My graduate stipend was wage income so I could make Roth IRA contributions.   Don't lose the year; you can withdraw nominal contributions if needed.  What you choose is less important than making the contribution.
In some states, it is your responsibility to pay the sales tax on a transaction, even if the party your purchase from doesn't collect it. This is common with online purchases across state lines; for example, here in Massachusetts, if I buy something from New Hampshire (where there is no sales tax), I am required to pay MA sales tax on the purchase when I file my income taxes. Buying a service that did not include taxes just shifts the burden of paperwork from the other party to me. Even if you would end up saving money by paying in cash, as other here have pointed out, you are sacrificing a degree of protection if something goes wrong with the transaction. He could take your money and walk away without doing the work, or do a sloppy job, or even damage your vehicle. Without a receipt, it is your word against his that the transaction ever even took place. Should you be worried that he is offering a discount for an under the table transaction? Probably not, as long as you don't take him up on it.
I can probably rent the house out for about $1,600. If sell now I can get 180k at the most. My mortgage will be $1,800 with tax and insurance. If I use the 180k to pay off the house, I can refinance the loan for a lower interest rate too. I think I know what I want to do but just need a second opinion. Thanks btw
"If the job looks good, I wouldn't let having to relocate stop you. Some companies will help you with relocation expenses, like paying travel expenses, the movers, the security deposit on an apartment, etc. It doesn't hurt to ask if they ""help with moving expenses"". If they say no, fine. I wouldn't expect a company to decide not to hire you  for asking such a question. I would certainly not buy immediately upon moving. Buying a house is a serious long-term commitment. What if after a few months you discover that this job is not what you thought it was? What if you discover that you hate the area for whatever reason? Etc. Or even if you are absolutely sure that won't happen, it's very hard to buy a house long distance. How many trips can you make to look at different houses, learn about neighborhoods, get a feel for market prices, etc? A few years ago I moved just a couple of hundred miles to a neighboring state, and I rented an apartment for about 2 years before buying a house, for all these reasons. Assuming the company won't help with moving expenses, do you have the cash to make the move? If you're tight, it doesn't have to be all that expensive. If you're six months out of college you probably don't have a lot of stuff. (When I got my first job out of college, I fit everything I owned in the back seat of my Pinto, and tied my one piece of furniture to the roof. :-) If you can't fit all your stuff in your car, rent a truck and a tow bar to pull your car behind. Get a cheap apartment. You'll probably have to pay the first month's rent plus a security deposit. You can usually furnish your first apartment from garage sales and the like very cheaply. If you don't have the cash, do you have credit cards, or can your parents loan you some money? (They might be willing to loan you money to get you out of their house!)"
Perhaps think condo instead. Try to keep at least $15,000 to $27,000 as emergency savings. If you lose your job or get stuck with a required expense (e.g. a major house repair), you'll need that money. You don't have enough income to support a car unless it saves you money somewhere. $500 a year is probably not going to cover insurance, parking, gas, and maintenance. It's possible that you could tighten up your expenses, but in my experience, people are more likely to underestimate their expenses than overestimate. That's why I'm saying $2500 (a little above the high end) rather than $2000 (your low end estimate). If things are stable, wait a year and evaluate. Track your actual spending. Ask yourself if you made any large purchases. Your budget should include an appliance (TV, refrigerator, washer/dryer, etc.) a year. If you're not paying for that now (included in rent?), then you need to allow for it in your ownership budget. I do not consider an ESPP to be a reliable investment vehicle. Consider the Enron possibility. You wake up one day and find out that there is no actual money. Your stock is now worthless. A diversified portfolio can survive this. If you lose your job and your investment, you'll be stuck with just your savings. Hopefully you didn't just tie them up in a house that you might have to sell to take your next job in a different location. An ESPP might work as savings for the house. If something goes wrong, don't buy the house. But it's not retirement or emergency savings. I would say that you are OK but could be better. Get your retirement savings started. That does two things. One, it gives you money for retirement. Two, it keeps you from having extra money now when it is easy to develop expensive habits. An abrupt drop from $4500 in spending to $1200 will hurt. A smooth transition from $2500 to $2500 is what you would like to see.
Eh idk, I was basically un-hirable until I took a job that paid like shit but provided me with experience so when I left I was way more valuable than if I hadn't worked. I was basically compensated in experience and left to get a job that doubled my salary.
long deep ITM calls is equivalent to owning the equity.  You're going to pay alot and hence will start off in a hole already, and you aren't getting too much leverage there at all depending how deep ITM you go.  Covariance scales, but assuming B-S in order to get nice scaling and ignoring the risks you are actually taking with options (unlimited down-size ie you can lose your entire investment in the option, people forget this) will screw you unless you really know what you are dong.  Leverage means increasing your risk.  long dep ITM is not obtaining much leverage and therefore not risking too much.  but you aren't going ot get 3-4x leverage this way.  you get leverage by saying: oh, i have 100, i could invest in 1 share of stock OR I could buy 100 worth of some option.  If I pick a deep ITM (think strike = 0) it's identical to owing the stock.  If i pick ATM, i have a ~50/50 chance of wining, so i should be able to double my upside.  If I go OTM, i can increase my exposure to the upside while increasing hte chance that my options expire worthless.  So really, i have no idea why deep ITM do what you are trying to do.  and If you don't either, you probably shouldn't do it.
Seriously? This is what my taxes go to? Telling private companies how loud their commercials should be. If their commercials are too loud do I also pay of a dude to call them up and fine them? If they don't pay do I also pay of an attorney to represent them? And if they lose in court do I pay of a jail to house them?   Why not just be a big boy and turn the volume down when it's too loud.   What's next, I buy a CD and it has to be a constant level? If one track is louder and it upsets me I can ask the government to regulate how loud CD's are!!   **FUCKING REGULATE IT YOURSELF, WITH YOUR GOD DAMN REMOTE CONTROL!!**  How fucked up is America? We are talking about something so pointless here.
This is why I'll never be a CEO of anything. If I got all that money, and then didn't have a job, I'd for sure not be trying to get another one of those jobs. My ass would be gone. I don't care enough to try hard enough to ever get to that position. I have zero drive for that sort of thing. It doesn't even seem like a job I can understand someone wanting.
Ehh, everyone can forecast, even idiots and most people have conceptualized the consequences that could happen from that behavior and have decided to do it anyways. It makes sense if the job pays like shit and sucks to do. Hell, I'd do it if I had to go back to fast food and I'm great at thinking ahead (in my not so humble opinion)
Look at how fast you are backpedaling. My statement was that you can get a union job at Boeing with nothing more than a high school degree and a passing drug test. Both my observations and Boeings own job posting lend certainty to the fact that that statement was accurate.  You don't seem to have the courage to just outright admit you're wrong, so that will have to do.  &gt;You're not proving anything by showing me the job specs.  You claimed that it required more than a high school diploma to get a job at Boeing. I proved you to be incorrect.  &gt;What you don't understand since live in a world where your resume gets you in the door is that the difficulty of a job  I don't think there's anything involving this conversation that you understand but I don't. I understand how difficult getting a job at Boeing is. I understood the requirements while you falsely claimed that they were something other than what I said. And I have fought far harder to get where I am than you have for anything in your career, so I am aware of the difficulty of getting jobs in general.   By the way, if you're relying on your resume to get your foot in the door you have already failed.  &gt;And just for the record, Boeing's thousands of union professional and technical aeronautical engineers would like to have a word with you about lack of credentials required to get a union job at Boeing, if we're going to split hairs.  So your argument is now that SOME of the union jobs require greater credentials? Really? Nice try but your bullshit argument reframing isn't going to fly.
"So, I am one of these ""job creators"" right now.  I am doing software development and have hired 1 person from the U.S. and a team from Germany. So I will leave it to someone else to determine how changing my tax structure impacts job creation."
To fairly compare a comp-only job to a job that offers insurance, get a quote for health insurance. Call your local insurance broker and find out what it would cost. Because if you aren't getting insurance from your employer, you'll have to get it elsewhere. If you get a quote on an HSA, don't forget to add in the annual deductible as part of the cost. On the ESPP, I'd count it as zero. The rationale being that so much of your financial status is tied to your employer that you don't really want to tie up too much more in company stock. (I.e. Company hits hard times, stock tanks, and then they lay you off. Double whammy -- both your assets and income.) But given that I've only been employed by companies that no longer exist in their original form, my perspective may be warped.
My mortgage started out with an escrow, but it seemed like they were mismanaging it. They often over-collected it and locked up my money unnecessarily or under-collected and had to catch up later to pay the tax bill. Despite what Vitalik said, I told them I would pay my own taxes and insurance and to stop the escrow and they did without argument. Keep in mind, you should only do this if you are good about saving money. The banks know that many people aren't and will have trouble at the end of the year when a multi-thousand dollar tax or insurance bill comes due, hence the reason they try to get you to do the escrow.  In my case, I just had the estimated tax/escrow amount automatically deposited from my paycheck into a special interest bearing savings account that I manage.
Yes but I get a TV delivered to my door. I have to lug it in to my car and take it to my house and have someone help me if I buy it from a store.  I just bought a TV from Amazon and it came with white glove delivery service where they even unpack it for you. There were no TVs at retail stores that were remotely competitive with the prices on Amazon for the price range I was looking for as sales tax would have added like 80 bucks to my TV.
"Sadly, even if I'm a voracious reader and smarter than the smartest person ever, if I spend all my time reading and learning in the public library, the dude with ""Bachelor of Arts"" next to his name is going to get the job over me."
If an offered price is below what people are willing to sell for, it is simply ignored. (What happens if I offer to buy lots of cars as long as I only have to pay $2 each? Same thing.)
"I said ""at least,"" meaning that I narrowed my odds to ""at least"" even odds from the national average of 1/4 college graduates finding a job after school. I wanted to make damn sure I was that one in four. I never had any doubts myself, and I had a backup plan for moving forward if a job didn't materialize."