vania-janet/multiturn-rag-retrieval-data huggingface dataset:
If you know that the unemployment was the main driver behind today’s poor market then you will be good for the day, because that will suffice for any call in that relates to “why is the market down?” One of my favorite quotes about the current economy is as follows: “Anyone around here, who isn't confused about what’s going on, doesn't understand."" As scary as it is, that is the honest truth. Nobody knows what is about to happen and if anyone tells you they do, they are lying and you need to run away, quickly. I am assuming you know how to calculate profit and loss – I don’t really know of a *special* way to twist the numbers around. &gt;Major Duties = Managing the daily P&amp;L process for one or more client trading desks o Daily review of Quality Control checks o Working with trading desk(s) on P&amp;L differences/inquiries o Working with offshore Product Control Team (India) on QC process o Delivering a final daily (and month-end) P&amp;L statement to the client • Understanding and explaining the key drivers behind the P&amp;L movements • Preparing/Managing monthly (or more frequently as required) price verification process and associated reporting • Updating and maintaining pricing policy for each financial type that is included in the consultant’s P&amp;L reporting • Ad/hoc projects to meet and enhance client deliverables All this means is that you will be sending out the due diligence to the client and you will ensure you are using the proper closing price and include any deposits/withdrawals during the month into your calculation. The main point is knowing the reasons the price moved throughout the day/month. KEEP UP on current events and make sure that you understand a vast knowledge of economic data. For what your day-to-day activity may be, I can walk you through it. Let’s say you get in at 8am. You will get in at 8, read economic data/recent news articles until about 10; from there you will update client A-F P/L worksheet until about noon. You will eat a quick lunch until about 1230 and continue on the grind of E-M until about 4.
If You use the car regulary, I don't think that driving on the bald tires for 3 years is a reasonable option. Have You considered buying used tires? Those will be cheaper and will last till You get to replace the car.
You fully support the free market.   Good for you. I support the worker over the corporation. What the fuck is the point of having a job(s!) which don't support you? You can go on and on about market equilibrium or whatever. Flat out I support raising the minimum wage. I support ending corporate welfare. I think this country has the means to support anyone willing to work as hard as her to make sure she and her kids have the very basics.   Define value for me.... Not everyone worships money or the 'free' market. I get what sub were on. Maybe you're a super practical person. But try and imagine you have her life. No life is not fair, slavery wasn't fair but humans tried to put an end to that. If you think it's ok for this to be how it is, we have nothing to speak further about.   And to your hypothetical- no I cannot come up with a number, congratulations. Bet if you went over to personal finance, gave them a location for this hypothetical, they would come up with a smaller range of numbers than you think. Also the argument that a teenager doesn't need to be paid a living wage is ridiculous. It's the exact argument that's been used to under pay women.   Maybe empathizing on this scenario is beyond you.
Buy term and invest the rest is in fact the easiest plan.  Just buy the term insurance based on your current and expected needs. Review those needs every few years, or after a life event (marriage, divorce, kids, buying a house...) For the invest the rest part: invest in your 401K, IRA or the equivalent. There are index funds, or age based funds that can help the inexperienced. Those index funds have low costs; the age based funds change as you get older.  The biggest issue with the whole life type products is that what your care about for the term insurance doesn't mean that the company  has a good investment program. You also want to have the ability to decide to change insurance companies or investment companies without impacting the other.
"My car, that you've probably never even heard of, can recognize street lines, pedestrians, other cars, rain, whether I'm paying attention and road conditions. It can apply the gas, the brakes, and steer. It can drive itself and park itself.  Having said all that it's, at times, profoundly stupid. 60% of the time it can drive itself perfectly competently; 20% of the time it struggles and 20% of the time it would happily smash into a ditch. Not great but this is on a car that isn't even advertised as having any level of autonomy.  So, my thinking on it has evolved. I do think we're a long way away from a car you can truly trust to drive you. However I think we're probably only about 2 to 3 model years away from a reasonably priced production car that can do MOST of the driving, safely, with you there just to make sure it doesn't screw up.  In fact, the autonomous features on my car are gimped on purpose. The car CAN fully steer itself in reasonably well painted lines but Ford engineers have the system turn itself off if you aren't actively ""helping"" it. if they threw caution to the wind my current car with current tech could drive without me touching anything for probably about 60% of my ride to and from work.  Further, the system itself is surprisingly sophisticated in some ways. Lane marker recognition is very good. The control that the system exhibits during assisted parking is...it's hard to even explain unless you experience it. Suffice to say that the mechanical and sensor tech is already here.  I still think we're a very long way away from getting into your back seat and telling the car to take you somewhere so if you define self-driving that way then yes, it's a long distance away. But if you define self-driving as needing to be there but not needing to do much, I think that's very close."
Historical volatility of a stock is going to be based on past performance, basically its current trend.  That can be useful, but really is no indication of how it will perform in the future.  Especially with a big swing in the market. Now if you're talking about implied volatility (IV) of an options contract, that's a little different.  IV is derived from an option’s price and shows what the market “implies” about the stock’s volatility in the future. Thus it is based on the actions of active traders and market makers.  So, it gives you a bit more insight into what's going on, but at times has less to do with fundamentals. I guess a good way to think of IV based on options contracts is as an educated opinion, of the market as a whole, with regards to how much that stock could likely move over a period of time (options expiration). Also note that IV represents the potential for a stock to move, but it does not forecast direction. I don't know of any studies off the top of my head, but I'm sure there have been plenty.
"For whatever it's worth.  Judging from the comments in the other answers, I think everyone is addressing your question, ""How can you possibly lose money,""  there are a lot of ways to possibly lose money in the stock market.  Here are my thoughts.  This is a chart of the S&P 500 from about 1996 to about 2012.  At the top from the first arrow the entire S&P500 index fell about 45%.  From the top of the second arrow the entire S&P500 index fell about 52%.  It is really easy to look at our sustained bull market and feel invincible.  And while I'll concede that not every company in the index fell over these two periods, bear in mind that the S&P500 index is a collection of the 500 largest companies in the United States, and the entire index lost half it's value twice.  As the companies contained in the index shrink in value, they were replaced by companies that are the new biggest 500 in the country, then those fell too, and so on and so forth until the entire index lost half. Value is a funny thing because it isn't necessarily tied to the performance of the business (look at the current rosy valuations of all these non-earnings tech-companies).  It could be that a company is still performing very well but there are just no buyers for the stock.   So, how can you lose money in the stock market?  Very easily.  In A practical sense, it's when you need the money and can no longer weather the storm.  People who went out for retirement around 2000 couldn't sit around and wait until 2007 for their account values to be replenished.  This is why you roll off your stock exposure as you age.  As you get older you don't have time and if you stop having income you can find yourself selling your assets at the least opportune time."
Thanks for the details. I didn't know that Sony had relaxed their warranties with their current generations of consoles.  Cartridges weren't SSDs like we know today. They used ROMs for storage and battery backed SRAM for saves. There was most likely also no controller in the cartridge itself, but the host CPU accessed the ROM directly.  A lot of storage is called SSDs today when this term is actually only used for SSDs you can buy for PCs and which interface through SATA or PCIe. The storage in most mobile phones and tablets are called SSD for marketing impact, but they are inferior.
If you want to save the money and buy the used car in good condition then you have reached the right place, because it is one of the most and trustable used car dealers in  Johor Bahru. Here, you and get the wide range of every car that certify by our excellent expert team.  Basically, you should find the most and nearest authorized car dealer in your city. We are certified in this work to sale the second hand car now we have 14 car company and ready for sale car more than 1000. You can also select the most and your favorite car.
"You're supposed to be filling form 433-A. Vehicles are on line 18. You will fill there the current fair value of the car and the current balance on the loans. The last column is ""equity"", which in your case will indeed be a negative number. The ""value"" is what the car is worth. The ""equity"" is what the car is worth to you. IRS uses the ""equity"" value to calculate your solvency. Any time you fill a form to the IRS - read the instructions carefully, for each line and line. If in doubt - talk to a professional licensed in your state. I'm not a professional, and this is not a tax advice."
"Option pricing models used by exchanges to calculate settlement prices (premiums) use a volatility measure usually describes as the current actual volatility.  This is a historic volatility measure based on standard deviation across a given time period - usually 30 to 90 days.   During a trading session, an investor can use the readily available information for a given option to infer the ""implied volatility"".  Presumably you know the option pricing model (Black-Scholes).  It is easy to calculate the other variables used in the pricing model - the time value, the strike price, the spot price, the ""risk free"" interest rate, and anything else I may have forgotten right now.  Plug all of these into the model and solve for volatility.  This give the ""implied volatility"", so named because it has been inferred from the current price (bid or offer). Of course, there is no guarantee that the calculated (implied) volatility will match the volatility used by the exchange in their calculation of fair price at settlement on the day (or on the previous day's settlement).  Comparing the implied volatility from the previous day's settlement price to the implied volatility of the current price (bid or offer) may give you some measure of the fairness of the quoted price (if there is no perceived change in future volatility).  What such a comparison will do is to give you a measure of the degree to which the current market's perception of future volatility has changed over the course of the trading day.   So, specific to your question, you do not want to use an annualised measure.  The best you can do is compare the implied volatility in the current price to the implied volatility of the previous day's settlement price while at the same time making a subjective judgement about how you see volatility changing in the future and how this has been reflected in the current price."
Generally S&P 500 will be used as the benchmark for US investors because it represents how's the US market performs as a whole. If you've outperformed the S&P 500 during the last couple years, great. However, at the end of day, you would want to look at the total growth percent that your portfolio has achieved, as compared with that of S&P 500.  Anyway, your portfolio might actually ride along with the bull market during the 2009-2010 period (more-so for the small caps).
Actually, I don't know if you remember, but the security pre 9/11 was pretty good. They had a vested interest in doing their jobs as they were hired by the airport and had deliverables that weren't nationalized from a monolithic organization that is guaranteed funds no matter what.  Having solid locking doors on the cockpit has now prevented future 9/11 attacks. Quite honestly, the odds of you being in a terrorist attack pre 9/11 were million s times less than getting into a car accident. So, no, I don't think 9/11 should be used opportunistically to drastically push an agenda via security theater that has no purpose other than to test the tolerance of the population for rights reduction.
Well looking backwards there was such a thing as low skilled labor family supporting jobs. Right now the low skill labor market is retail which doesn’t pay well. But anyway in the past we used to fill factories with low skilled labor and they used to make a solid living on that. Those jobs have been automated, outsourced, etc and that leaves people with very little options. This explains a lot of inner city poverty as well. Those neighborhoods used to have plenty of low skilled factory or manual labor jobs that would support people who wanted to work but didn’t have a lot of particular skills. Once those jobs disappeared what did that leave them with? 5 bucks an hour at McDonald’s? It’s all connected.   What should we do about that? Well I’m not sure. You can jump on the bandwagon that all of the jobs have been shipped away but that’s not necessarily true. It’s part of it but a lot of jobs simply don’t exist anymore. I saw a fantastic old video about a book binding factory that used to employ a ton of people. You’d have people for each job. Binding, glueing etc but now a machine pretty much does all of the work. What we could do is try to raise wages for the low skill market like retail to make them competitive but a lot of those companies are massive and they might be run out of business if they had to pay their employees more but at the same time, it’s necessary. That’s the theory anyway. Maybe more education for people in new industries. Despite what Donald Trump sells, it’s likely that coal jobs and factory jobs aren’t going to make a massive come back. That would certainly be nice but that’s not gonna happen. We need to put a lot of time and effort into training people for new industries while they’re young. That means training people in coding, computer software, robotics, renewable energy. Jobs of the future. I think right now we are still working on a shifting market. What we do with people beyond school at this point? I don’t know. Just thoughts.   Note low skilled doesn’t mean stupid or anything it just means you’re walking in not having done a particular job before or you’re just kind of the average Joe. That’s a lot of people.
If the buyside was showing demand, what's wrong with HFT for reacting with supply?  The example you gave is akin to me going from car dealership to car dealership yelling loudly about what car I want and the price I'd like it at - would you be upset if someone heard you and decided to sell their car to you later down the line? In this case, the buy side trader is being **stupid**. This is a major critique many people have with Brad K. Instead of serially going from exchange to exchange, he could have sent orders to all exchanges at the same time (parallel!) and likely received much better prices. In my opinion, the HFT player here is simply facilitating price discovery by reacting to demand - as a market maker that's his job.   [Here's a good article. Let me know what you think.](http://www.cnbc.com/id/101551570)
"Try it on a Kindle or eBook reader. I used to think this way about eBooks. Was too much of a purist. I'd had experience reading from iPads and computers. It's seriously a huge difference. The Kindle doesn't strain, it's light, can fit in (larger) pockets, and is incredibly handy. The battery life lets it stay on for days at a time as well. Battery isn't a huge issue unless you plan to be stranded on an island sometime soon.  The library thing I suppose is an aesthetic thing. You could always just look through your book list on a Kindle as well. That way you save some room in your house? But I suppose some people just ""want"" a library to have - I can empathize."
Earlier it was only rich and affluent that used to travel in cars. But with globalization, car prices have reduced so drastically that even common man is able to afford a car. However, it’s not the case all the times and sometimes; you may have a need to rent a car.
You should find the certified and good condition used car dealer in Johor. You can trust  with great deals. Buy the second hand cars at best prices. Masai Auto City is one of the  most place in Johor Bahru. We have several branches that provide used car and also known as johor used car. Here, you save the money and time. We offer you active car. You can get benifits here and also check out the cars before buying. Whatever you want cars, you can select  here such as Ford, Hyundai, Nissan, Toyoto.
I still think it will be rather difficult. Best bet is to call around to the five or so closest dealers and express you are considering the car contingent on price (NOT PAYMENT). Ask for them to send you their best out-the-door price on a base model. Then when you get quotes from each of them, shop the lowest price around. Usually dealers will budge a few hundred bucks to beat other dealers.   But a 2018 STI will be difficult, if not impossible, to negotiate a few grand under MSRP. Understand that the people that buy this car are not doing so because it is a great bargain. So dealers can usually push this car at or near MSRP.   Lastly, do not set foot in a dealership until you have a firm out-the-door price. They will play sales tricks until you give up on negotiation and will pay anything just to get out of there. The only time you should go to the location is to sign papers and drive away with the car. Do not worry about being nice and congenial with the salesperson.   This advice got me my current vehicle at about 15% below the lowest True Car estimate. I don't claim this is the best advice out there but it works.
A California Chevy Volt owner here... it costs me about $0.95 to charge the car over night (super off-peak rates between midnight and 6 AM are cheap) and I get about 35 - 47 miles per charge out of the battery before the gas engine kicks in.  The mileage changes depending on the weather... it's been over 100 Fahrenheit here recently which requires the A/C to be on to cool the battery in addition to the cabin resulting in the advertised 35 miles per charge.  Now that it's cooler, i'm getting 47 almost every day.
No, in fact you didn't really say anything, your initial comment just niggled on the fact he used the total bond market number instead of the muni bond market number from 2007-2008.  And were dead stilent on anything else about the article which would lead one to believe that that was all you saw fit to comment on.      Which is the equivalent to reading a story of a bank robbery and getting hung up on the article reporting the total dollar amount in the bank instead of the total dollar amount in the cash drawers that were robbed from and not talking about anything else.       Also your initial complaint about what numbers he uses for the bond market isn't a lie.  You personally feel that he should only mention the 2007-2008 bond market but if you actually read how he used it he wasn't saying anything other than that is the size of the bond market. IN the context it's used in the story there's nothing wrong with the number.  He didn't say they were scamming everything in the market it was a one off sentence about the size of the total bond market (that, in fact, is vulnerable to the exact same type of illegal activity he talked about).
Shorting is the term used when someone borrows a stock and sells it at the current price to then buy it back later at hopefully a lower price. There are rules about this as noted in the link that begins this answer as there are risks to selling a stock you don't own of course. If you look up various large companies you may find that there are millions of shares sold short throughout the market as someone does have the shares and they will need to be put back eventually.
Depends from your general overall situation, but for what we know i would say: Definetely get rid of the high interest loan (10%) since average stocks return is not as high. Not sell shares for the car loan, the market is not so high (the s&p500 is just above the 200dd moing average). But if you have extra savings you should emduce this debt, since average savings rate is lower than 4% Keep the student loan for the moment.
&gt; If the buyside was showing demand, what's wrong with HFT for reacting with supply?  In my example, HFT isn't actually adding supply/liquidity.  They're just grabbing it and flipping it.  &gt; The example you gave is akin to me going from car dealership to car dealership yelling loudly about what car I want and the price I'd like it at - would you be upset if someone heard you and decided to sell their car to you later down the line?   Not the same.  The equivalent would be me yelling about wanting to buy a Porsche 911, and you buying them all before I can finish my own purchase, then offering to resell them to me at a higher price.  &gt;In this case, the buy side trader is being stupid.   Maybe - certainly if all this could be eliminated by avoiding market orders.  This is a major critique many people have with Brad K. Instead of serially going from exchange to exchange, he could have sent orders to all exchanges at the same time (parallel!) and likely received much better prices.   He did do this at his time at RBC - sent orders to all exchanges at once.  The result would be apparently liquidity (asks at the market) disappearing and his orders getting filled at higher prices.  &gt;In my opinion, the HFT player here is simply facilitating price discovery by reacting to demand - as a market maker that's his job.  I think that's a misinterpretation of what these particular HFTs are doing.  &gt;Here's a good article. Let me know what you think.  Interesting.  It certainly goes against a lot of what Lewis wrote.  And I suppose that's the problem... very few of us are actually qualified to say what is actually true.  I know little about market structure and, as I said, have no involvement in high liquidity stocks.  The fund managers next door to me also trade pretty illiquid stuff that I strongly doubt any HFT ever touches, and they're value investors anyway, not arb HFs or something.
I would agree this is probably a battery factory.   Tesla gets much of its battery components from the Congo where women and children work in mines for pennies a day. They develop iron lung because there’s no ventilation.   Then the minerals are processed in China. By doing so, Tesla is abstracted from any of the unethical practices going on in the Congo and pretends they know nothing about the hellish conditions.  https://www.amnesty.org/en/latest/news/2016/01/Child-labour-behind-smart-phone-and-electric-car-batteries/