vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Big solar fan here. I like your argument for nuclear. With the way that electricity power generation works, we need ideally 3 sources of power. Nuclear is one of them. Base load, if you will.  Solar and nat gas can sort of fluctuate against each other as the sunlight changes. And once battery tech updates we can do away with nat gas.   I don't know enough about price/economics on nuclear and if you have a few concise things to share I'd appreciate it. Not asking for you to type a tome. I can always research later but appreciate your input!
"Let me make sure I understand the point of what Adam Smith is going on about. In discussion of relative poverty, he relates the idea that an individual can be considered in poverty if they do not meet the customary amount of goods considered by their society to be the minimum to be polite in public. You have thus transferred his meaning of what poor means to be what is considered  ""basic living"". You have then taken this concept and tied the cost of ""basic living"", which you still haven't actually narrowed down, towards the tax rate on income for a citizen of a community. This is all in the context that you're concerned with the community level of price for ""basic living"" and whether its too high. However, you also haven't said what too high is nor why you're concerned with the literal price which is why I've said you can only control the price of a good through central authority.  I never made the assertion you wanted to invoke a centrally planned economy, I simply stated that the only way to control prices across a community is through central authority. You've stated that we collect taxes on local, state, and federal levels. This is true, however it does not mean that they control the price. They simply modify the price set by the market, and only serve to increase the price from the base set by market participants.   When I want to buy beer, I don't just pay for the cost of the beer. I pay the cost of the beer + the city tax + county tax + state tax + state sales tax on the beer, which raises the price. Also, these taxes are not income taxes which is what was being discussed.   I still don't know what your point is because you cannot seem to define phrases you've used that I have stated I do not know. If you cannot define what you're talking about, how it relates to the actual discussion, and why its relevant then please stop as its simply a derailment."
BBA major with concentration in accounting, after landing an internship at a well known community bank as a credit analyst summer intern I'm considering shifting my focus to a career in finance/banking.  Throwaway account:   I like the work I'm  doing now, and know it can be very rewarding and competitive, so I'm considering doing this or something similar as a career, if it's feasible.  Work consists of Small business loans mostly, companies with mid seven figure revenue on the high end. I mostly do spreads and underwriting.  This is all new to me. I'm very familiar with recruiting in accounting and the opportunities available to me there, but finance is new to me as a focus. Any advice on where to start? What jobs would my internship look good applying to, and how could I make the leap to an investment banking/ M&amp;A role in the future?  Ancillary info:  4.0, non-focus school, decent personal skills and a heavy focus on volunteering. I've started networking but I'm in my senior year and most of it has been focused on accounting. Looking to focus more on networking over the remainder of the internship.  I would appreciate any insight or resource you could point me to, thanks.
I knew that $1000 more in income could cause $850 of the benefit to be taxed as well, but with a number of factors to consider, I wanted to create a chart to show the tax at each incremental $1000 of income added. Using the software, I simply added $1000, noted the tax due, and repeated. Doing this by hand would have taken a day, not 30 minutes. For you, the anecdote may have no value, Social Security is too far off. For others, who in March are doing their return, the process may hold value. Many people are deciding whether to make their IRA deposit be pre-tax or the Post tax Roth IRA. The software can help them quickly see the effect of +/- $1000 in income and choose the mix that's ideal for them.
I'd be interested to hear your justification for this belief rather than dumb image macros...  The only way I've ever been able to accrue wealth is by participating in an economy with rules enforced by the government. I can go to work because of roads, I can get hired at a job because of my education, and the money I earn doesn't get taken from me by thieves and crooks due to law enforcement.  With taxes, I'm well off. Without taxes, I have nothing. Seems like the opposite of theft to me.
As a customer I have proof of this happening. I'm an IT manager and have major fluctuations in invoices (of over 60% price changes) that I've had to battle CenturyLink to correct the price. Is there somewhere I can share this with to help the case? Caused about 4 months worth of headaches due to CenturyLink and this would remedy that.
I use to play marbles at school. Marbles were like gold the more you had the richer you were. They were a scarce commodity only a few in circulation. Once I secured a wealth of marbles I realized they were of little real value. They were only of illusory value. As long as we all were deceived into believe they had value they I was rich. Sure marble could be used to make marble floors ;) they were lovely to look at, and every one wanted them. Then one day, I discovered the emperor had no clothes. Wow, the day that everyone sees the true value of gold, what a stock market crash that will be. I tried to avoid gold as much as possible, but this is hard to do in todays stock market. My solace is that we will all be in the same golden (Titanic) boat, only I hope to limit my exposure as much as possible. Anyone want a gold watch for a slice of bread?
While I see the argument for this, I'm not sure I agree with it.    I expect a member of the board to act in the best interest of the company while acting as a member of the board.  However, I don't think you're obligated to have every action outside of that to be completely inline with the company.  You are entitled to your own opinions.  Furthermore, I don't think that Hastings gave him the low rating because he thought it reflected poorly on facebook, but because he disagreed with Tiel's political choices.    The email quote in question:  &gt; I’m so mystified by your endorsement of Trump for our President, that for me it moves from ‘different judgment’ to ‘bad judgment.’ Some diversity in views is healthy, but catastrophically bad judgment (in my view) is not what anyone wants in a fellow board member.  While I agree with Hastings in that Tiel's support for Trump was a bad choice, it's clear that he gave the rating to Tiel _solely_ because he differed in political views than him, and not even from the perspective of being bad for facebook, and _that_ is what's uncalled for.
I was too. My fiance is an international student and for a while we were really concerned about the implications of a Trump presidency on her getting a visa. I aired my grievances on T_D and was banned.  What I've come to understand is that citizenship is a privilege, not a right. As part of the research I took part in while getting my Economics degree, we established mass immigration as a large, significant causal factor in the immergence of the income stagnation and the resulting rise of consumer debt levels and financial innovation that lead the the '09 crisis.  The issue with T_D is the massive brigading and threats users and mods get. T_D would be a non-stop dumping ground of concern trolling and leftist hatred if the policies they have in place now were not in effect. That being said, I myself am proof that the policies and the mods that enforce them are much more forgiving than most subs on on this site.  Try /r/askthe_donald
"I am very late to this forum and post - but will just respond that I am a sole proprietor, who was just audited by the IRS for 2009, and this is one of the items that they disallowed.  My husband lost his job in 2008, I was unable to get health insurance on my own due to pre-existing ( not) conditions and so we had to stay on the Cobra system.  None of the cost was funded by the employer and so I took it as a SE HI deduction on Line 29.  It was disallowed and unfortunately, due to AGI limits, I get nothing by taking it on Sch. A.  The auditor made it very clear that if the plan was not in my name, or the company's name, I could not take the deduction above the line.  In his words, ""it's not fair, but it is the law!"""
Of course, I doubt this content would ever make it into the more premium Vice communication channels, specifically I doubt this content would be covered in any capacity on HBO. That's why I said, at some point, that the quality of its reporting is inconsistent and sometimes quite dubious. &gt;Why you think Vice does quality work is beyond me. The only possible reason is you are their main demographic. It's not because it appeals to me. As someone well-versed in media politics, I ensure that my media diet is diverse and broadly sourced. The reason that I think some of their work is good is because I actually read it and think some of it is actually credible and worthy of my time. It's very clear that you do not find Vice news credible, so you want to act like your perceptions are equal in value and accuracy with my perceptions of it. The problem with your logic is that I actually am exposed to its content while you self-select not to expose yourself to it. I like some of it, because I find that some of it has a reasonable basis underlying the claim and I can't get the news anywhere else. So, you think our perceptions are equally accurate although mutually exclusive (i.e. we disagree with each other) or you think your perceptions are more accurate than mine (most likely due to a confirmation bias), but the reality is that my perceptions are broadly based considerations based on a much larger sampling of their content while your perceptions amount to an opinion derived from a first impression glance.
Yep, IMO level 1 is vastly underrated.  At 8 amps, I can charge at about 3mph.  At 12 amps it's about 4.5mph.  If I can plug my car at work into a plain old 15 amp outlet for 8 hours, I'll add between 24 and 36 miles of range to my battery.  For most people, that's more than their one way drive into work.  So if I leave my house with a full charge, I'll leave work with a full charge too.  The primary advantage is that it doesn't cost much to install a couple dozen electrical outlets in a parking lot.  BYO charge cable.  I travel frequently, and I would love to see more outlets in hotel parking lots and parking garages.
I find this state hard to believe. We have been adding about 200k jobs a month for a while now.  in the last 12 months that means about 2.4 million new jobs.  Amazon has 113,500 of those that means there was 2.3 million other jobs. for them to have outdone 46 states that means 2.2 M of those would have to be in 4 states alone.
Buffett is a value investor. His goal is to buy good companies when the market is overly worried and prices them below intrinsic value. When the market is highly priced it is much more difficult for him to find things that he thinks are at an attractive price. When people are very worried and the market has crashed, stocks are then priced below their intrinsic value and he can use the cash he keeps in the company to make attractive purchases. Remember that Buffett is not concerned with the ups and downs of the price of Berkshire Hathaway stock, he is concerned with the economic value of the assets that the company owns. So if all stock prices crash and he can buy things that are at bargain prices, he is happy no matter what Berkshire stock price does in the short run. One consequence of value investing is that because you are buying assets at bargain prices, the total value of your assets drops less in a bear market than the highly priced stuff that drives the major indexes.
&gt;If AUD loses half it's value, forget your 3.75% you've just lost half your savings.  Aaaah see now it's making sense. Basically I'm uncovered on any changes in the FX rate and if i hedged that with a currency swap I'd lose any gains from my interest rate due to the arbitrage that would be captured by larger FX firms (who would be the writer of my currency swap?) ?  I'll refresh my irparity knowledge later.
"&gt;  I went into my store, repeatedly during this 6 week boycott and the shelves were always stocked and being stocked.  I guess the daily pictures in the news of empty shelves must have been fabricated then.    You are completely delusional if you think 2M people said to themselves ""I'm boycotting Market Basket due to this ridiculous internal power struggle that's going on.""  The reality of the matter is that news outlets were running stories daily about bare shelves and all the nonsense going on outside the stores.  As a result, customers went to one of the many other options in their area to buy their groceries.    Most customers don't give a damn about some random CEO, whose name they had no clue of before this ridiculous incident, being fired."
You take that risk. There  are a ton of restaurants that pose a higher health risk. Use your own judgement. You can usually tell how cleanly someone is by the tiny things. One of my things is if they have a cat that jumps on the counters I’m not eating your food. If it smells like a cat lives there I’m not eating your food. If your finger nails are dirty I’m not eating your food. There are a lot more of these rules I have but those are just examples.
You should start by calling the clinic and asking them to tell you how the visit was coded. Some clinics have different billing codes based on the complexity of the visit. If you have one thing you are seeing the doctor about, that could be coded differently than if you have 4 things you are seeing the doctor about. In fact, even if you are there just for one ailment, but while you are there you happen to ask a few quick questions about other possible ailments, the doctor could decide to use the billing code for the higher complexity. If when speaking to the billing department it is determined that the visit is using a higher complexity billing code (and a higher charge as a result), you could then request that it be re-coded with the lower complexity visit. Realize if you request that they will probably have to first get approval from the doctor that saw you. Note: I am basing this answer on first hand experience about 6 months ago in Illinois, where the situation I described happened to me because I asked some unrelated questions about other possible ailments at the end of a visit to an after hours clinic. The billing department explained that my visit was coded for 4 issues. (3 of them were quick questions I asked about at the end of the visit, one of which she referred me to another doctor. My additional questions probably extended the visit by 3-4 minutes.) In my case I never got the bill reduced, mainly due to my own laziness and my knowing that I would hit my deductible anyway this year. Of course I can't say for sure if this is what happened in your case, or even if this practice is widespread. This was the first and only time in my life that I encountered it. As a side note, your primary doctor would likely rarely ever bill you for a more complex visit, as it likely wouldn't lead to much repeat business. As for your last question regarding your credit: if the provider decides to lower the price, and you pay the lower price, this in no way can affect your credit. Surprising Update: When I called the billing office months ago, I had asked if they could confirm the code with the doctor, and I was told they would look into it. I never heard back, never followed up, and assumed that was the end of it.
"Investopedia explains how a stock split impacts the stock's options: Each option contract is typically in control of 100 shares of an underlying security at a predetermined strike price. To find the new coverage of the option, take the split ratio and multiply by the old coverage (normally 100 shares). To find the new strike price, take the old strike price and divide by the split ratio. Say, for example, you own a call for 100 shares of XYZ with a strike price of $75. Now, if XYZ had a stock split of 2 for 1, then the option would now be for 200 shares with a strike price of $37.50. If, on the other hand, the stock split was 3 for 2, then the option would be for 150 shares with a strike price of $50. So, yes, a 2 for 1 stock split would halve the option strike prices. Also, in case the Investopedia article isn't clear, after a split the options still control 100 shares per contract. Regarding how a dividend affects option prices, I found an article with a good explanation: As mentioned above, dividends payment could reduce the price of a stock due to reduction of the company's assets. It becomes intuitive to know that if a stock is expected to go down, its call options will drop in extrinsic value while its put options will gain in extrinsic value before it happens. Indeed, dividends deflate the extrinsic value of call options and inflate the extrinsic value of put options weeks or even months before an expected dividend payment. Extrinsic value of Call Options are deflated due to dividends not only because of an expected reduction in the price of the stock but also due to the fact that call options buyers do not get paid the dividends that the stock buyers do. This makes call options of dividend paying stocks less attractive to own than the stocks itself, thereby depressing its extrinsic value. How much the value of call options drop due to dividends is really a function of its moneyness. In the money call options with high delta would be expected to drop the most on ex-date while out of the money call options with lower delta would be least affected.
No, most check deposits are processed that way. Banks transmit the pictures of the checks between themselves, and allow business customers to deposit scans for quite some time now. I see no reason for you to be concerned of a check being in a dusty drawer, it's been deposited, cannot be deposited again. If you're concerned of forgery - well, nothing new there.
Why does it matter that 400 people were put out of work? Why does business have to be about giving people jobs? This frustrates me to no end.  Our quest to put people in jobs is not how we should see things. Trying to justify jobs is backwards thinking honestly. Look at government systems like NASA. The space shuttle turned out to be a disaster in terms of costs, and same thing seems to be happening with the new SLS program.  Why? Because congress was more concerned about keeping jobs than actually doing the job at hand. I really want to believe that the world of business is not going to devolve to that level.  I realize this is a rant, so feel free to report/downvote me.
I expect to be back here in July.    I did give my [first impressions](http://www.reddit.com/r/economy/comments/ufj37/payroll_additions_in_us_misses_expectation/c4uxylq) of this job report above.  I'm just raising the possibility (and hoping like hell) that we're just seeing  completely screwed up seasonal adjustment due to the freakish early spring in much of the country.
&gt; This is directly the result of about 50 years of carefully applying the value investing philosophy.  I'm on my cell on vacation so don't have time to provide a full response here, but I disagree. The BNSF purchase alone represents a giant speculative bet, partly on oil by rail. It wasn't a value play, it was a growth play. Lots of the rest of the BRK portfolio is the same.
If you think you can manage the risk and the spread is ultimately worth it to you, there's nothing stopping you. I know in the U.S., in CA specifically, you need to have $85,000 annual income or net worth over some threshold to be able to loan more than $2,500 via peer-to-peer loan investing. I've had an account at prosper since around 2010, it does pretty well. It's made my taxes a bit more complicated each year, but it's been profitable for me. I wouldn't lever up on it though. My Prosper Experience My experience with Prosper has generally been positive. My real motivation for starting the account was generating a dataset that I could analyze, here's some of that analysis. I started the account by trickling $100 /month in to buy four $25 loans. Any payments received from these loans were used to buy more $25 loans. I've kept my risk to an average of about A- (AA, A, B, C, D, E, HR are the grades); though the interest rates have reduced over time. At this point, I have a few hundred loans outstanding in various stages of completion. In calendar 2015 I had a monthly average of 0.75% of my loans charged-off and about 3% of loans at some stage of delinquency. I receive about 5.5% of my principle value in receipts on average each month, including loan pay-offs and charge-offs. Interest and other non-principle payments comprise just shy of 20% of my monthly receipts. Prosper's 1% maintenance fee translates to about 8% of my monthly non-principle receipts. It's all a pretty fine line, it wouldn't take many defaults to turn my annual return negative; though in 5 years it hasn't happened yet. Considering only monthly charge-offs against monthly non-principle receipts I had two net negative months in 2015. I made about a net 4.5% annual return on my average monthly outstanding principle for calendar 2015. When I log in to my Prosper account it claims my return is closer to 7.5% (I'm not sure how that number is calculated).
The only time I've bothered with stop orders is when I think the position is in a particularly volatile state and there is an earnings report pending.  In this situation it's an easily debatable thing to do.  If I'm so concerned that the earnings report will be enough to cause a wild downswing that I'd place a stop order, maybe I should just drop the position now.   I subscribe to the school of thought that you don't sell your MVPs.  I've bought a few things on a whim that really performed well over the few years to follow.  To me it doesn't make sense to pick a return at which I would turn off the spigot.  So generally it doesn't make sense to hold orders that would force a sale, either after some upside or downside occurs. Additionally, if I've chosen something as a long term hold.  I never spend all my cash opening up a position.  I've frequently opened positions that subsequently experienced a decline, when that happens I buy more. Meaningless side thought: With the election coming I've been seriously considering pulling some of my gains off the table.  My big apprehension with doing that is that I have no near-term alternative use for the money.  So what's the point of selling a position I'm otherwise comfortable with just to pay taxes on the gain then probably buy back in?