vania-janet/multiturn-rag-retrieval-data huggingface dataset:
If you're looking for some formula, I don't think one exists. People talk about this all the time and give conflicting advice. If there was a proven-accurate formula, they wouldn't be debating it. There are basically 3 reasons to do a home improvement project: (a) Correct a problem so that you prevent on-going damage to your home. For example, have a leaking roof patched or replaced, or exterminate termites. Such a job is worthwhile if the cost of fixing the problem is less than the cost of future damage. In the case of my termite and leaking roof examples, this is almost always worth doing. Lesser maintenance problems might be more debatable. Similarly, some improvements may reduce expenses. Like replacing an old furnace with a newer model may cut your heating bills. Here the question is: how long does it take to repay the investment, compared to other things you might invest your money in. Just to make up numbers: Suppose you find that a new furnace will save you $500 per year. If the new furnace costs $2000, then it will take 4 years to pay for itself. I'd consider that a good investment. If that same $2000 furnace will only cut your heating bills by $100 per year, then it will take 20 years to pay for itself. You'd probably be better off putting the $2000 into the stock market and using the gains to help pay your heating bill. (b) Increase the resale value of your home. If you are paying someone else to do the work, the harsh reality here is: Almost no job will increase the resale value by more than the cost of getting the job done. I've seen many articles over the years citing studies on this. I think most conclude that kitchen remodeling comes closet to paying for itself, and bathrooms come next. New windows are also up there. I don't have studies to prove this, but my guesses would be: Replacing something that is basically nice with a different style will rarely pay for itself. Like, replacing oak cabinets with cherry cabinets. Replacing something that is in terrible shape with something decent is more likely to pay back than replacing something decent with something beautiful.
If you are looking to buy earthmoving and construction equipment then you need to select the right manufacturer. Go for a company that puts emphasis on quality, has a range of products, holds experience, provides other related services and is reliable.
It's not personal, but simply a shift in the demographics that can be measured. Identifying those changes within the market, who is doing what and why, then reporting it to the board, is part of her job. Quality of food, dining experience, etc, etc are all things that should be reviewed on a regular basis. This is also more of an industry wide issue, as the changing tastes and expectations are finding more than just this one company struggling, as the CEO rightly points out.  The food has always been sub-par and vastly overpriced second tier fast food. The experience is usually as good as the food. This is the entire range of restaurants, TGI Fridays, Ruby Tuesday, Applebee's, etc, etc. They were popular and offered a reliable, if poor, meal wherever you went and quite popular. I've actively avoided them for years, unless in a position to refuse, or someone else was paying, which was usually both. But I was an outlier, and they understood there was little they could do to get me to come in. This is a demographic shift, not simply a blame game, and once identified, they then try to determine how to alter their model to match that shift.
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Whirlpool has absorbed a number of its erstwhile competitors over the years. Maytag, KitchenAid, Magic Chef, Jenn-Air, and Amana are all made by Whirlpool now. Frigidaire and GE are the two remaining major American makers of major household appliances (Hotpoint is GE) and Frigidaire is actually owned by Electrolux now.  It's my understanding that Sears has been switching over to LG for some of its Kenmore appliances. Their flagship front-load washers and dryers sport features nigh-identical to top-end LG models. This relationship, by the way, may be largely responsible for the increased availability of LG parts and service in the US recently (spotty availability of parts used to be a hazard of buying LG).  We had two service calls on our Whirlpool Cabrio top-load washer while it was still under warranty. The repair guy told us they are generally reliable in his experience, however, and that ours was something of an anomaly. After replacing the main motor and the controller board, we have what is basically a brand new appliance internally. It is still occasionally flaky (every few months it forgets how to spin the drum) but I figured out an easy workaround that has worked so far. My advice, though, is to definitely buy the extended warranty.
If I understand what you're asking, I think you're looking at the relationship wrong.  Yes, when one currency has a higher interest rate relative to another, it's value should, theoretically, appreciate.  For example, if the USD interest rate is 10% and the EUR is 5%, the USD should appreciate in value against the EUR.  However, the parity relationship tells you the price at which an investor would be indifferent to the difference in interest rates.  So using the formula for interest rate parity:  (1+r(USD))/(1+r(EUR)) = F/S   and plugging in the interest rates from above and a spot rate of $1.5/EUR:  (1.1)/(1.05) = F/(1.5)  The 1 year forward rate would have to be $1.5714/EUR in order for the investor to be INDIFFERENT between holding USD or EUR.  All this assuming interest rate parity holds.  I'm not big on Econ but this is how I understood it when studying for the CFA exam the past few months.  So please, someone correct me if I'm wrong.
She wasn't wrong, she was a great CEO (I hope you were a long term investor), but the market had changed in the way she outlined. Marcato has mentioned increasing franchise to 90%, which is crazy. You lose your ability to manage your brand and don't get reliable information.   I think the drop in sports viewing was the killer. The rest has been a trend. Maybe eSports and better tech would work.
"Again, one of the most reliable news sources in the world:  https://mediabiasfactcheck.com/new-york-times/  ""Factual Reporting: HIGH""  If you listen to Trump or Breitbart, then you may not think so, but those are the moguls of fake news. Objective review shows that NYT is highly accurate.  And just so we're clear, Forbes, a conservative business magazine, calls the NYT the most accurate news source in the US: https://www.forbes.com/sites/berlinschoolofcreativeleadership/2017/02/01/10-journalism-brands-where-you-will-find-real-facts-rather-than-alternative-facts/#a8aaa70e9b5a"
The real estate industry today is highly exploitative, you're right, but there are currently nothing stopping rents from rising. The major controls in place are are primarily supply constraints, which would lower prices if removed by allowing small, entrepreneurial developers and builders to create new housing more easily. There's also nothing to stop institutional investors from buying up all the housing right now, but those investors are generally not looking for high growth, they're looking for stable returns. Apartment buildings are viewed as similar to blue chip stock portfolios in that regard. Low growth, but also low risk.  The reason capitalism wouldn't lead to monopoly is that it takes work both to gain resources, and to retain them, and the most reliable way to retain them is to reinvest them in the economy. Investment permits new businesses to grow, and new industries to form. It's precisely because the economy isn't limited to a fixed size that wealth of one group doesn't require to poverty of others. New value creation is the core of the theory, and nearly every living person has at least some capital (their body and mind) to begin employing toward value creation.  I recommend reading Henry Hazlitt's Economics in One Lesson if you'd like to understand the theory behind why and how free market capitalism is supposed to work.
"I think there-in lies the rub.  There is certainly a point at which job/income loss outweighs the disposable income gains of a wage increase.  That's what I'm suggesting is the only thing left to study.  Figure out that ratio, and you have a the secret to solving America's stagnating wage crisis.  As to the ""roundabout way of creating job growth"", I guess I just believe there's no other way...well, more specifically, increasing demand is the only reliable way to increase jobs.  If you have another way to increase demand (with government policy) I am open to hearing it.    Either way, we're having the right conversation - not getting trapped in the self serving lie of ""trickle down""."
"Don't put all your eggs in one basket and don't assume that you know more than the market does. The probability of gold prices rising again in the near future is already ""priced in"" as it were. Unless you are privy to some reliable information that no one else knows (given that you are asking here, I'm guessing not), stay away. Invest in a globally diversified low cost portfolio of primarily stocks and bonds and don't try to predict the future.  Also I would kill for a 4.5% interest rate on my savings. In the USA, 1% is on the high side of what you can get right now. What is inflation like over there?"
So the formula is: Cost to keep car = Depreciation + Fuel + Insurance + Maintenance + Repairs On the lease side consider taxes and fees, all lease payments, fuel, and maintenance. Assume repairs will be covered under warranty. Assume you will put down no money on the lease and you will finance fees, taxes, title, and license when calculating lease payments. You also need to consider the cost to pay off your current car's loan if applicable. Then you should subtract the gains you expect from investing for three years the proceeds from the sale of your car. Assume that repairs will be covered under warranty. The formula to lease looks like: Lease Cost = Fuel + Insurance + Maintenance + Lease payments - (gains from investing $10k) For option C, where you use the $10k from proceeds as down payment for new lease, it will be: Lease Cost = Fuel + Insurance + Maintenance + Lease payments + $10,000 A somewhat intangible factor to consider is that you'll have to pay for body damage to a leased car at the end of the lease, whereas you are obviously free to leave damage unrepaired on your own vehicle.
"Here is where I am confused. On the income statement I am looking at it has a line item in cogs that is ""change in jobs in progress"".   Change in JIP =  (Starting raw materials, wip, and finished goods) - (Ending raw materials, wip, and finished goods) for the accounting period.  From what I researched cost of goods manufactured is added to cogs:  ""The formula for the cost of goods manufactured is the costs of: direct materials used + direct labor used + manufacturing overhead assigned = the manufacturing costs incurred in the current accounting period + beginning work-in-process inventory - ending work-in-process inventory.  A manufacturer's cost of goods sold is computed by adding the finished goods inventory at the beginning of the period to the cost of goods manufactured and then subtracting the finished goods inventory at the end of the period.""  So it isnt wip that is in the income statement it is change in inventory. Why do they include the ""change of inventory"" in cogs? Wont this just be material and labor that should be in for the next accounting period cog calculation?"
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"In the US there are a few different schemes, namely Regulated and Unregulated. In Regulated states (e.g. Colorado) everything except for some of the generators are owned by one company (called a Vertically Integrated Utility) and that company is allowed a specific return on its investment rates being set by a formula that includes the utility's fixed costs, the variable &amp; fuel costs, and this return. In Unregulated markets (like Texas) the generators, transmission system, load serving entities (aka distributors), and retailers are all separate (although sometimes the same company owns parts at various levels). The transmission and load serving entities function like the traditional utilities I described above but ratepayers can choose their own retailer and the retailers then buy energy from the generators.   Here is a good video about how the US energy market works: https://www.youtube.com/watch?v=rJAPHFGAgRw  To answer the ""robustness"" question; I think the answer is actually that, in most cases, the ""wires"" costs for US customers is lower due to the higher density and compactness of the various power systems in the US. In the NEM (the primary energy market in Australia) there are SIGNIFICANT distances between loads and the larger generators and there are overall fewer customers per mile of line. Other than that the system (both electrically and from a market design standpoint) is generally based on the US system (PJM specifically).  The other big difference is that Australia does not have a single grid like the US does (US has 3 interconnects but is one big grid)."
"The ""ideal world"" index fund of any asset class is a perfect percentage holding of all underlying assets with immediate rebalancing that aligns to every change in the index weighting while trading in a fully liquid market with zero transaction costs. One finance text book that describes this is Introduction to Finance: Markets, Investments, and Financial Management, see chapter 11.  Practically, the transaction costs and liquidity make this unworkable. There are several deviations between what the ""ideal world algorithm"" (""the algorithm"") says you should do and what is actually done. Each of these items addresses a real-world solution to various costs of managing a passive index fund. (And they are good solutions.) However, any deviation from the ideal index fund will have a risk. An investor evaluating their choices is left to pick the lowest fees with the least deviation from the ideal index fund. (It is customary to ignore whether the results are in excess or deficit to the ideal). So your formula is: This is also described in the above book."
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"There is no good proxy for VIX, because it is a completely made-up value. Most listed options trade on an underlying security.  I can therefore choose to buy either the stock, or a future or option on that stock.  In this way, the future and option are derivatives in that they derive their value (in part) based on something else, in this case the stock price as of now. VIX is a different entity altogether.  It is based on the volatility of the market, using ""market expectation of near term volatility conveyed by stock index option prices"".  But the FAQ goes on to state that they are adding factors into the formula. So right away there is no one equity/stock that you can hold that will necessarily match the VIX in any significant way, because it is not directly based on stocks, but indirectly through other options and computations. In effect, therefore, the VIX in indeed only available through its options, and is not observable (tradable) in and of itself."
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Let's assume you have total year income I. The inflation rate is R and the growth rate is E every year. The contributed rate deducting 1.8% will be C = 0.982. So, for your account you'll have every year Let's assume you have annual income in 1000, then for years So, you'll deposit 40 000 and got at the end 129 023.60. But be careful, economic calculation for so long period could be very incaccurate because of the variation of the inflation rate, growth rate and various risks. The spreadsheet could be very useful. More accurate formula which assume that annual deposit grows only the half of the year. Thus, the result for 40 years will be 124 576.91.
"&gt; I think people should prevent themselves from being homeless by developing skills to work.  You are right, of course. Let me try to rephrase my question.  If someone's problem is that they don't have the skills to work and you put pressure on them, is it not more likely that they will try to resolve the pressure quickly with the skills they have rather than endure the pressure while learning a new skill?  For example, if someone is too unreliable to get a job and you tie his next meal to getting and keeping a job, isn't that person much more likely to start stealing food rather than learning to be reliable while being hungry?  &gt; Do you think it's moral to steal from someone who worked hard/smart and give it to someone who didn't and is now homeless?  I object to the word ""steal"". The bottom line is that some of the hard/smart worker's money is going to go handling the homeless person whether it be feeding him or hiring police to handle the crimes he commits."
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For example, milk is still $2, but as the value of bitcoin fluctuates, I may pay .001 BTC or .0005 BTC for that milk. It's important to remember we're dealing with a digital asset in an increasingly more digitized world, a point-of-sale device like we use for credit cards could certainly tackle that conversion in the future. &gt;Also, at the end of the day, fiat currencies are based on trust and accountability of the government. How does Bitcoin or any other online currency solve that problem? There's no accountability, and it effectively acts as as an anti-currency, fueled by mistrust in the establishment. This is the best part of bitcoin, understanding the incentives. If you follow that supply and demand logic, then it is in the best interest of *everyone who uses bitcoin* that the bitcoin software and the system itself be reliable and secure. The software is open source so anyone can see how it works and where its flaws and weaknesses are - and it is still standing strong after 8 years. The biggest weakness so far has been in software updates and changes to the core protocol. Without any central structure (i.e. accountability) it can be slow to reach a democratic consensus is such a way that doesn't split the blockchain or fracture the network. This has led to some of the recent extreme volatility. Bitcoin (and some other cryptocurrencies) have tremendous potential to disrupt existing financial institutions. The private blockchains peddled by banks are at this point [just databases](https://www.youtube.com/watch?v=SMEOKDVXlUo&amp;index=2&amp;list=LL7mI3EyFeE83Ac-VtxNUhxA). At some point, these institutions will realize that they can't create their own Facebook, they need to find ways to become part of the new Facebook market.
"Unfortunately too many companies view a Mail in rebate as an unwelcome cost instead of as a customer interaction issue, and it gives the company a bad reputation when someone gets stiffed on the mail in rebate, and it also has basically ruined the concept to a large degree. Many people will simply regard the rebate as worthless and evaluate the product based on the full price - killing what the company wanted to get out of it (Rich Seller hit the nail on the head), which is why you see ""instant rebates"" etc."
"Evaluate if the Rs 5 million term insurance is sufficient. Typically the term insurance provided by employer is in the range of 1 to 3 times the gross. Generally one should be covered in the range of 5 to 10 times the Gross. The sooner you start the lesser the premium and you can get insured for a large amount for a long duration at very nominal rate.  NOTE:  You can also buy a health insurance for your father, note these typically come at high cost, generally if over 70 years of age, 25% is the premium amount and 25% as co-pay. So if your dad doesn't fall ill once in 3 years, its a loss making proposition. Edit: Accident insurance best take is along with rider on term plan. Additional Health insurance is a good idea and helps if you are in between jobs. Plus the new company health insurance can reject a particular treatment as ""Pre-Existing"". i.e. certain illness [in certain plans] require one to have coverage for 3 years before the claim for it can be covered."
The key is measuring.  Like any project you need to evaluate a baseline, make a change, then re-evaluate.  Otherwise you are blindly spending money to save, or worse, being manipulated by advertising.   Like Chris W. Rea said before me, using a tool like a Kill-A-Watt to measure the effectiveness of what you are about to do is the most important step.  For example, if you have an incandescent light bulb in a back part of your basement that you never turn on, it doesn't make much sense to replace that bulb with a $9 LED to save money.  If you have an empty freezer in your basement, turn that thing off.  Measure your power usage, then you can know for sure what is the most effective action. If you have a family like mine, the best of intentions still leave lights on all day or tvs on a screensaver all night.  Invest in simple automation like motion sensing outlets or light switches to automatically turn off power.  (It is my full time job to go around a turn off lights, and I want to retire)  The biggest payback that I know of is insulation and caulking of your home to make the energy you do use more efficient.  If you don't have enough insulation, that is a great place to start.  Here is a calculator to estimate the payback of adding insulation. The US government has a cool website with a bunch of tips for saving energy.