vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Let's look at some numbers.  These are just example rates that I found online.  You can substitute your own quotes and compare yourself.  I'm not going to name the company, but these advertised rates are all from one nationally-known company for a 25-year old female. If you went with the whole life option, you would be paying $937.56 per year.  The policy builds a cash value; the amount this grows can vary greatly, and you'll need to look at the fine print to see how it will grow, but let's pretend that after 30 years, the cash value of the policy is $50,000 (a reasonable guess, in my opinion).  Let's look at what this means: You can cash out your policy, but at that point, you'll stop paying payments, and your heirs won't get your $100,000 death benefit.  You can borrow against it, but you'll have to pay it back.  You could use it to pay your premium, in which case you'll stop paying payments.  However, keep in mind that if you do pass away, you lose the cash value you've built up; your beneficiaries only get the $100,000 death benefit. Now let's look at the term insurance option.  We'll go with the 30-year term.  It will only cost you $242.76 per year, and the death benefit is more than double the whole life coverage.  If you were to take the difference between the two premiums ($58 per month) and invest it in a mutual fund growing at 8% per year, you would have $86,441 in your account after 30 years.  This money is yours (or your heirs), whether or not you pass away before your term is up.  After the 30 years is up, your insurance is over, but you are now almost all the way up to the death benefit of the whole life policy anyway. In my opinion, term life insurance is better than whole life for just about everybody. I don't want to be morbid here, but the earlier someone dies, the more benefit they get with term insurance vs whole life.  If someone does have reason to believe that his life expectancy is shorter than average, term insurance makes even more sense, as he is more likely to get the death benefit for much less money in premiums than he would in whole life.
"Actuaries make serious bank. If you're good at math and statistics then that is the path my young padawan. I feel you, got my BS in Econ before getting MBA and CFA because the degree is ""worthless"" from a job perspective. Invaluable from a life perspective though. Still my favorite subject, I miss econ but no way I wanted to get the PhD necessary to do anything with it.   Sorry for the digression. CFA L3 (even L2) ≥ MFin and a lot cheaper/faster if you are smart and can handle studying on your own.  edit: I have friends in corp finance, they are miserable. If you feel under appreciated now then you probably will in that field as well. Lots of long hours of modelling and template whoring. Upside is that it is better security than most financial positions."
For a while I tried shopping multiple grocery stores, checking fliers each week from three different stores and then making the trip to all three stores to save ten cents on each item. After a couple months, I decided it just wasn't worth it.  So, I picked my favorite store.  I shop once a week, after reviewing the flier and making a list.  I clip coupons and try to only buy what's on my list.  (I confess that coupons sometimes get me to buy a brand or item I wouldn't have otherwise... it's my weakness!) The biggest place that we save money though, is by paying attention to meat prices.  I know that chicken and pork go on sale for $1.99/lb every 4 to 6 weeks at my grocery store.  When it does, I buy a enough to last until the next sale, and freeze it in single-meal portions.  Steak and fish are special treats, but on the rare occasion that they're less than $4/lb, I'll buy those.  We also try to limit our meat consumption to every-other-day. It's not worth it for me to obsess over the price of ketchup that I buy twice a year, but on expensive items like meat, and items we use daily, I become familiar with their regular prices and sale prices, and buy extra when it's on sale.  If, like me, you don't have room in your brain to keep track of the prices of everything, stick with the things you spend the most on, either because they're expensive, or you buy a lot.
Have to say, every once in awhile when I'm going to Google maps and I'm in a conversation about it, I say I'm going to mapquest it. They aren't necessarily synonymous with that, but it'd sort of ingrained in me after being born in the 80s and then growing up with that as being my main option in my teens.
YES I have been there as a kid on field trips. I still have nostalgia just thinking of all the good times I had back in the 90s at Sea World. Shamu was my favorite animal, me and my mom got wet from the show and its one of the best memories I have as a kid. I still have the souvenirs somewhere in my garage.
Yep. My dad lost his (really high paying) job in 2009 and it took him 9 months to find it. They had to sell off a lot of stock to get through it, at a time when the stocks were half of what they were a year earlier. Now he's 64 and not even considering retiring before 70 or death, whichever comes first.   I definitely believe that the death of the pension is going to be the worst thing for boomers. My generation never grew up with them - for us they're like a fairy tale. But many boomers grew up where nobody ever saved for retirement and always kicked the can down the road. SS is really only enough to keep seniors from starving to death, and not much more.
I will definitely recommend the following books The above books will open lot of eyes to exactly know what you are doing with your personal finances in a day to day basis.These books will surely be in the top of my list which I will be giving away to my kins in my later stage. The concepts are universally the same, feel free to skip the chapters which were US based. I live in UK and I read most of the above books in late twenties, it surely made lot of changes and also drastically improved my personal finance acumen. I wish I have read these books in my early twenties.
Sears had some pretty cool stuff back in the 1970s.  I always looked forward to trips there.  Radio Shack was awesome, too.  Kinda sad that there are almost no physical stores I look forward to visiting these days.  My favorite places are thrift stores, junkyards and the scrap metal yards.  That's the only time I get excited seeing stuff.  Well, that and Petsmart.  I like seeing the cats, dogs and birds.
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Same for me! Chatting with friends after school and then sneaking to stay on for longer after my mom went to bed. This was hard to do because the family computer was in my mom's bedroom! So, I would carefully position a blanket over the monitor and then drape that down my back to cover up the light emanating from it. I still don't know if she knew I did that.... I thought I was so clever but she probably knew. :)
I'm currently working as an expat, and my grandparents used to work overseas but retired to Canada so you could say my family has done things completely the opposite of what you suggest. However there are a number of very good reasons that my grandparents have done things the way we have, and I think it's worth sharing the rationale there. Low-cost moving to high-cost is a no-brainer: it's not easy to do, but many people are trying nonetheless. However, even they will be likely to stay in the high-cost countries, mostly because of health care, also safety is a factor, but social factors also matter. Firstly, I think two key factors that have been overlooked are language and health care-- most low-cost countries speak different languages than high-cost countries. This isn't a problem if you're young, but it becomes prohibitive if you are older. Even if you can manage, it's inconvenient in most countries. You can't just walk down the street and do whatever you like. You either have to keep a translator handy, or restrict your activities to places where you can communicate in your native language. Your favorite sports channels (rugby, american football etc.) might not be available, because nobody there cares. Your favorite news channel, or food (even in grocery stores) might not be so readily available. All these reasons made living abroad undesirable for my grandparents, but the big deal for them was healthcare. Outside of the US, every single developed economy has socialized healthcare to a large extent. When you're young it doesn't really matter, but when you are older, it's a constant concern! There are two aspects to healthcare-- firstly, if you are a citizen in a developed country there are significant financial benefits (In the US there is also medicare/medicaid but I don't know how those work so I'm not going to talk about that) to staying in-country when you retire, even if the health care would be more expensive- it's the government that's paying! Secondly, health care in low-cost countries tends to either be cheap and poor quality (and by poor quality I mean really, really scary!) or expensive and almost as good as a developed country.
"Siem Reap is easily one of my favorite cities. Most people visiting are coming from either Thailand or Vietnam, where they need to be skeptical of which Tuk Tuk they take. Nobody wants to stop at jewelry shops or a tailor, and many try avoid Tuk Tuks completely if given the option. My advice is to advertise ""no stops"" and start conversation other than saying ""tuk tuk where you go?"". While I didn't see too much of this in Cambodia, you should keep in mind the perception people have of Tuk Tuks coming into Cambodia. People will appreciate the honesty. Good luck!"
My favorite part about using a local credit union is, if I have an account issue, I can just call up and talk to someone who works five minutes from my house without *ever* punching numbers into an automated answering system. Good luck doing that with Bank of America.
My mortgage is deducted from my checking every month so I post that to my checking a month in advance. I pay a lot of things with automatic charges to a credit card these days, so my credit card bills are large and can't be ignored. So subtract my credit card balances. Subtract my reserve amount. What's left is how much I can afford to spend. So for example: Say I look at the balance in my checkbook today and it's, say, $3000. That's the balance after any checks and other transactions have cleared, and after subtracting my next mortgage payment. Then I subtract what I owe on credit cards. Let's say that was $1,200. So that leaves $1,800. I try to keep a reserve of $1,500. That's plenty to pay my routine monthly bills and leave a healthy reserve. So subtract another $1,500 leaves $300. That's how much I can spend. I could keep track of this with a spreadsheet or a database but what would that gain? The amount in my checking account is actual money. Any spreadsheet could accumulate errors and get farther and farther from accurate values. I use a spreadsheet to figure out how much spending money I should have each month, but that's just to use as a guideline. If it came to, say, $100, I wouldn't make grandiose plans about buying a new Mercedes. If it came to $5,000 a month than buying a fancy new car might be realistic. It also tells me how much I can spend without having to carefully check balances and add it up. These days I have a fair amount of spending money so when, for example, I recently decided I wanted to buy some software that cost $100 I just bought it with barely a second thought. When my spending money was more like $100 a month, lunch at a fast food place was a big event that I planned weeks in advance. (Obviously, I hope, don't get stupid about ""small amounts"".
In an interview for an internship, how to justify leaving a previous internship after just 6 months? I learned a lot there, but I didn't performed very well and was laid off. I'm quite shy and, even though my relationship with my previous boss was good, he though that it was making me underperform. I'm trying to improve a lot my social skills and my resume is good, so much so that I got an interview in a better place. But I just don't know how to properly answer that question without making me look like a sociophobic.
I'm sorry, I didn't realize you served. Congrats on getting your government to help you out with your degree. As for me, I've deleted my comment and am answering with a throwaway because I don't want this to be tied to my persona in any way because of the following. Much like I didn't know shit about you, you don't know shit about me. I was born in a shithole country you've never heard of. My grandparents were collective farmers with barely a primary school education and my parents grew up on those farms and didn't go to college. My father was persecuted by the government and thrown in jail when I was four and stayed there until I was 10 – thankfully my mom and I managed to move to a Western country, where we lived on government subsistence and with no family within 3000km, because they're all (still) living in such shithole countries. We came into money once he got released and I reached high school age and hence the what you qualify as lavish, jealousy-inducing lifestyle, but even then despite the expensive private school (which sends one kid to an ivy every two years), plushy vacations and nice clothes I had to hustle entirely by myself to get into good schools in the US. Nobody in my entire extended family had ever gone on to tertiary education in any country, let alone the most competitive one in the world. Despite ready access, I took on no standardized prep tutors (got a 35 – fuck the people saying high score = expensive tutors), no after school help, no expensive college app packaging. I didn't even use my story as a college essay (in fact, nobody knows, not even my closest friends [they just think I'm some rich kid, much like you]) because I don't think the circumstances I was born with (and, alternatively, was blessed with afterwards) allow me special privileges or empathy in any way. The amount of effort I can put into my life solely depends on me, not my environment. And now that I'm here it could all come crashing down any second because my shithole country could decide to take it all away again.
It would also attract tons of costumers who aren't necessarily vegan, but are interested in trying vegan food.  I see many more people trying vegan food as a healthy choice, rather than a moral choice.  I think (hope) the 1st world will soon wake up to the devastating effects our food system is having on personal health.  With how many adults are overweight and obese, I think it sounds like a fantastic idea to try and make healthy foods more accessible.  All the better if they can make those healthy foods taste like my favorite animal proteins.    I'd be very interested in trying it, especially if it's fast food.  When I go out to a restaurant I want to get something I know I'll enjoy.  If I'm just going through a drive through I'd be more likely to just give vegan food a quick try.
Thanks for responding. Ive been weighing my options and i still have quite a ways to go before im MIG/TIG/stick certified. But i am actually leaning more towards focusing on welding first and foremost because its faster money. If i get on my cousins crew i could potentially make close to 50-60k my first year (and thats just as a welders helper, not an actual welder) therefore, theres potential to advance to an actual welding job where i could make 100k+ (hopefully i have some luck and get that opportunity early in my career).  That will give me time to pay off my student loans, all the money my family has helped me with, buy a house which will eventually become another income, and even save A LOT after thats all paid off! I think thats the safer option for me starting off and then ill have more money to invest in local buisnesses such as the pizza joint and most likely open a welding shop a little later. I just need to bust ass and make as much money as possible for the next 4 or 5 years so i can settle down and not travel for work as much.   Nothing is set in stone yet and obviously im weighing all options but i wanted to get opinions on the subject. Especially because the pizza joint expanding idea was just presented to me the other day.
I'm pretty sure that banking has provided a safety net for criminal (predator) types. To take risks and do business in a way that would not be possible otherwise. Now we have grossly innefficient business, in the SOLE interest of predators (claiming to be providers). My carrot may travel 1500 miles (or more) to get to me, when carrots are grown within a mile of me. It's commercial communism. FORCING products and servives on us involuntarily. WASTING resources in the interests of the few. DEATH to these miscreants is my opinion. If it were up to me, there would be no global anything.
I think he means theme parks in general.  There used to be a competitor in Palos Verdes: [Marineland](https://en.wikipedia.org/wiki/Marineland_of_the_Pacific), which closed in 1987, when I was 15.  We went there all the time.  Beautiful location and a lot of fun.  My favorite part was a swim-through aquarium.  Loads of fish and even some non-aggressive sharks were in there.  You'd get a mask and a snorkel and could swim through.  Wonderful experience and a shame it's gone.
Oh, geez, well-regarded arguments against investing, hmm? Well, I have a couple. They're not against investing per se. They're asking about your priorities and whether you might have something better to do than inevesting: And he spake a parable unto them, saying, The ground of a certain rich man brought forth plentifully: and he thought within himself, saying, What shall I do, because I have no room where to bestow my fruits? And he said, This will I do: I will pull down my barns, and build greater; and there will I bestow all my fruits and my goods. And I will say to my soul, Soul, thou hast much goods laid up for many years; take thine ease, eat, drink, and be merry. But God said unto him, Thou fool, this night thy soul shall be required of thee: then whose shall those things be, which thou hast provided? So is he that layeth up treasure for himself, and is not rich toward God. -- Luke 12:16-21 Christian or otherwise, there may be better things for you to do with your excess cash - indeed, with your life - than simply invest it to bring yourself more money. Many people find charitable contributions more important than spending a little more money on themselves (immediately or in the future). Of course, you will need to decide what these things are that matter to you. Perhaps you would like to contribute to traditional charities. Perhaps you would like to fund education, or a religious organization, or the Democratic Party, or the Republican Party, or the Libertarian Party, or the Green Party, or the Tea Party, or Occupy Wall Street. Perhaps you'd like to fund research into something. Perhaps you simply have friends and family that you want to make happy. Perhaps a small vacation to spend time with family is worth more to you now than the investment returns will be worth later. Moreover, note that economic decisions like this are made on the margin - it's not so much a question of whether you invest at all, but whether you should invest more or less, and spend/donate more or less.
"Hey just letting you know that I've sort of felt the same as you before. I'm not 29 yet, only a few years younger, and I too am in Alberta. Knowing that many trades can be quite lucrative here I too dipped my hand in them, namely the HVAC and Plumbing trades, and after a bit I felt that they weren't for me. And this was after using a year looking for any ins during the recession since nobody was hiring helpers/first years. During that whole year in the times I wasn't looking for a job I was researching and looking up videos of the trades and was thinking how INow after some career counseling, soul searching, all that jazz, I'm about to head back to school next week. If things go well by the time I graduate I will almost be 30 with my first (and probably only) degree.    I wouldn't consider the years from the time I graduated high school to today, where I think I've figured out what I want to do, a waste, but instead I look at them as years where I grew as an adult and gaining real world experience in a few areas I've dabbled in. A future employer may look at them as wasted years, but it is up to me to spin them in a positive way as my ""story"". Just know that you aren't alone in this situation, and I'm sure there's plenty of people worldwide in their 20's and 30's who are still trying to figure out what they want to do. Keep your head up and good luck."
Hang on, hang on... I am willing to bet there are a lot of farmers that do it for the money, and a lot that do it because they want to provide a better product (e.g. free range pigs) along with the money.  My point was they're not mutually exclusive. Same goes for pharma. And frankly I've contracted in the industry. I've seen heads of R&amp;D get tipsy and come to tears thinking of the kids they've seen with fibrosis in poor countries. I never said they're a charity - they're not - however, I've seen them do amazingly charitable things when instead they could've just given back to shareholders.
"Kiva.org is a nonprofit organization and does not pay you (the lender) any interest. From their website: Kiva does not guarantee repayment nor do we offer a financial return on your loan. Therefore Kiva will not improve your yield, as there is no money to make. It is intended you people who want to make ""charitable"" loans. That said, I think Kiva is an awesome organization."
This client had been pretty confident that I wouldn't get into either facility, much less be able to hit both in a short time span. So the timeline was left to my discretion, but it was assumed that I would need to fly to the area twice. I didn't see the need in burdening them with two round-trip expenses. I went back to Mary's office and said, ""Well I think I have what I need from here. How do I get to the office center?"" She looked at her watch and said, ""It's almost lunch time. I'll take you there!"" A whole group of us piled into the parking lot, and they took me to a nearby taco shop. That's right. My Marks took me to get tacos… I love my job. After lunch they drove me to the offices and a few of them came in with me to show me around. I took FOREVER looking around this office space, and eventually they said their goodbyes because they had to go back to work. They had a strict policy of escorting visitors. But I had been seen walking around with trusted insiders so no one questioned me. I was free to take my time. I made myself at home. My main objective at this site was to weasel my way into private corner offices. When I accomplished my goals, I tracked down my point of contact's office. This is the man who hired me in the first place. This is the best part of every job. Steve was there, hard at work when I disturbed his groove by knocking on the door. He glanced up, ""Hi there, can I help you?"" I smiled. ""Hi Steve! I'm Sophie from Sincerely Security. It's nice to meet you in-person!"" I will never forget the look on his face… Pure gold. ""Who?.... Wait, what? How? How did you get in here?!"" We stayed in his office and talked for a long time. I went over exactly the steps that could have prevented my success.