vania-janet/multiturn-rag-retrieval-data huggingface dataset:
That was my thought.  Looking at it, I'm thinking he's really got two big expenses that he's seeking the money for: New equipment/space to expand production capability with, and advertising funds to get his name out there.  He walked in and owned the room. He put his product in front of people, displayed to the sharks that customization was the name of the game, and was all over exactly that core idea with examples right out of the gate. Yeah, he was doing a pretty good job reaching his immediate investor audience, but let's be perfectly frank here: He turned the first few minutes of the show into a commercial for his product that he's not paying for, and it was a goddamned good commercial. Then he turned around and sold himself as part of that business to anyone who was watching.  If he'd been turned down across the board after that demo and then his dogged determination to keep himself at the helm while displaying that it really was best, and they'd aired that episode...he'd have had his investors. I don't question that a bit. He wasn't selling his idea to sharks, he was running a goddamned infomercial with them as his props.  Even if nobody bought in, he'd given himself a huge advertising boost, allowing him to sink more into production. He was a winner walking out of this no matter what.  EDIT: The royalties also made since from H's perspective. If I'd been in his shoes and had seen this guy in action, I'd have been willing to make that offer just to keep him in my pocket. This dude's already proven he has the personal resources to get a venture started at the basic level, and he's on the ball and a sharp salesman. Even if this hadn't panned out, I'd lay good money that that guy was going to go places, and I'd want a piece of the action when he finally had his break.
What happens if your future spouse had the same idea of buying a house early while rates were low? The cost of buying a house may be as little as 3.5% down and a few hundred more in advance escrow and a couple other fees the seller can't pay for you. The cost of selling the same house is likely to include all the costs you made the seller pay when you bought it, because you'll be selling to someone in the same position you're in now. I didn't know it at the time I bought my house, but I paid about $5,000 to get into it (3.5% down and 6 months' escrow up front), while the sellers paid over $10,000 to get out (the owner got married to another homeowner, and they ended up selling both houses to move out of town; I don't even know what kind of bath they took on the house we weren't involved with). I graduated in 2005. I didn't buy my first house until I was married and pretty much well-settled, in 2011 (and yes, we were looking because mortgage rates were at rock bottom). We really lucked out in terms of a home that, if we want to or have to, we can live in for the rest of our lives (only 1700sqft, but it's officially a 4/2 with a spare room, and a downstairs master suite and nursery/office, so when we're old and decrepit we can pretty much live downstairs). I would seriously recommend that you do the same, even if by doing so you miss out on the absolute best interest rates. Last example: let's say, hypothetically, that you bite at current interest rates, and lock in a rate just above prime at 4%, 3.5% down, seller pays closing, but then in two years you get married, change jobs and have to move. Let's further suppose an alternate reality in which, after two years of living in an apartment, all the same life changes happen and you are now shopping for your first house having been pre-approved at 5%.
Ownership has everything to do with it. If I created a block-wide lawn mowing service and forced you to pay for it but I mowed your lawn, your objection to buying my service wouldn't make you the bad guy. You'd say that you don't want my lawn mowing service, and even if you did enjoy the lawn after I took your money and mowed it, you could still object to it and want a different method of taking care of your lawn. The same could be said for any other good/service out there.
Since you ask.... How do I do it? My frugality doesn't come from budgeting or even half so much from keeping money away from myself (though mostly-one-way retirement accounts help). It's a matter of world-view. Spending and shopping for things you don't need is a vice. Limit your indulgence in it. I've also made wasteful purchases in my life. When I find myself considering buying something that I don't really need, I ask myself whether it will end up like... like the stupid eyeglass cleaner gadget from the Sharper Image that I used twice. Or the Bluetooth earpiece that spent 98% of its time lost and .02% of its time in my ear. Or the little Sony VAIO laptop which was great on the train, but probably cost 8 times as much as an EeePC and didn't do way too much more. (In my defense on that one, it was just before netbooks were really taking off... but I still felt bad about it the next year). I've also got two savings goals. The first is responsible and very big (financial stability: a year's expenses plus money for a down payment on a house. a California house. in a good neighborhood.) The second is personal and just medium-big (a large musical instrument). I've decided not to spend money on the second until I'm financially stable and I have enough money to take care of the first... so that makes me more willing to scrimp and save to pursue the first than I would be otherwise. Advice for others? Ask yourself: Why are you buying that thing? You can survive without it, can't you? You didn't need it a week ago, did you? Does the old one have holes in it or something? Or will you at least use it regularly, for years? Why aren't you buying the cheaper kind? Or buying it used?
This is what I ended up doing, listing UCLA at the top, then I listed my CC with my GPA and relevant courses.   Also, as far as work experience, because I haven't worked or interned at big name places, will I be okay? I have references for everything, I just want to make sure I should put it all down.
"To be fair, I don't necessarily think that our guy was actively *trying* to screw us over. In retrospect I've known a few people like him; people with major control issues who get extremely anxious and morose when something isn't in their hands, and who kind of develop this authoritarian mindset because they don't trust the group as a whole. That leads to a lot of paranoia and projection. I think he kind of developed a sort of ""Oh no... I think he's gonna kill me. Well, I'll *kill him first*!"" mentality and that affected his thinking. Every complaint he brought up privately with our president was something he was actually the one bringing to the table: ""They think I'm power hungry!"" (Actually, we didn't, but thank God we found out that he actually was before it was too late.) ""They don't trust me as the executive to make the decisions!"" (He seemed to be the strongest moderating and guiding voice in the meetings but apparently wasn't actually voicing or expressing any of his actual plans because he didn't trust us to know them.) ""They're gonna cut and run and we'll be left to keep things together!"" (He set of a chain of events which led to us having to scramble to get everything out of his name in order to keep our original timetable.) After this all went down it came to light how absurdly neurotic and specific his fears were, down to badmouthing my wife for being controlling or something because I wanted to discuss my portion of the buy-in with her before I paid it, when he'd never even met her. Anyway, I've had actual adult bosses like this and they invariably find ways of bringing people down over little personal disagreements regardless of how well they're performing. The paranoia and ego driving things for that personality type can be hard to see at first because they're invariably charismatic and on-message and capable of really looking like they're taking the whole of the picture into account before making reasoned suggestions, and you need somebody with these skills for top leadership positions.
" (He wants to get it a couple of bucks cheaper than his $15 fair valuation.) Kid thinks: hmmm ... that would be a $10 net profit for me on that Put Option, but I wouldn't be able to sell the game for $40 next month, I'd likely only get something like $25 for it. So I would kind-of be getting $10 now rather than potentially getting $12 in a month. Note: The $12 is because there could be $15 from exercising the put option (selling for $40 a game worth only $25 in the second-hand market) minus the original cost of $3 for the Put option. Kid likes the idea and replies: ""Done!"". Next day kid sends the Put option contract to Mr Options Trader and receives $13 in return. Our kid bought the Put option and later sold it for a profit, and all of this happened before the option reached its expiry date."
I don't think there's a conclusive answer to your question, but I have a real world example for you.   I was in a similar situation for almost 6 years (I was the friend, but also the one with the highest pay). I rented a house, my name on everything. I made a separate contract with both my friend and his GF and they both rented a room from me. I looked up the total m2 of the house and divided the rent by that number. Multiplied by room sizes I knew what everyone had to pay for their personal space, I simply divided the rest by 3 to find the remainder of everyone's rent.   I don't know the numbers anymore, but here's an example: house = 150 m2 room 1 = 10 m2 room 2 = 15 m2 room 3 = 25 m2 shared space = 100 m2 rent = 800,-   This gives 5.33 per m2 The shared space is worth 533.33 Divided by 3 is 177.77, So the total rent for each room is: room 1 = 10*5.33 + 177.77 ≈ 231 room 2 = 15*5.33 + 177.77 ≈ 258 room 3 = 25*5.33 + 177.77 ≈ 311   We divided the rest of the costs (gas, power, water, etc...) evenly. This was fair in our case, because the rent was directly tied to the size of the rooms. The only thing we had left to do was give the poorest person the smallest room.
I have to agree with Krazy, its not the same thing.  The mouse was not raised for food, he was just walking by.  I live in a very rural area.  I have all sorts of animals through my yard.  From deer to yes, wild turkeys.  I leave them alone.  They are not bothering me.  However, a turkey in a slaughter house is a different story.  More to the point, if I thought I could, the big ass turkey walking through my yard, would be on my dinner table and I wouldnt care if I had to beat it with a stick to kill it.  Its food.
If one wants to have a bound on the loss percentages that are acceptable, this is would be a way to enforce that. For example, suppose someone wants to have a 5% stop-loss but doesn't want this to be worse than 10% as if the stock goes down more than 10% then the sell shouldn't happen. Thus, if the stock opened in a gap down 15% one day, this triggers the stop-loss and would exit at too low of a price as the gap was quite high as I wonder how familiar are you with how much a stock's price could change that makes the prices not be as continuous as one would think. At least this would be my thinking on a volatile stock where one may want to try to limit losses if the stock does fall within a specific range.
We talked babies and birth plans for a while (never pick a pretext you can't speak about at length.) Mary took down the name of the ""designer"" who was coming by the next day and we said our goodbyes. Mary could have saved her company a lot of heartache by simply verifying that I was who I claimed to be. (Just to be clear here, I would never give out Mary's real identity. I'm not totally heartless. This could have happened to anyone. She has not been fired.) I showed up the next day as ""Claire"" with a fictional architecture firm that I had made business cards and a website for. My alter-ego Barb had done most of the leg work for me. When I arrived, Mary and her boss were waiting for me with smiles. I shook hands all around and handed them the business card I printed out the night before. I was given a visitor badge and the red carpet was rolled out. I gained rapport with the staff there by asking them to tell me what they wanted in an office space. They were so excited. I might have claimed to be on the team that put together the Google offices…(Yes, I am HORRIBLE. This is my inner demon child.) ""You want a standing desk? New chairs over here?! Ergonomic keyboards for everyone! Let's look at swatches!"" We became best buds. I was given complete and unaccompanied access to the facility where I stayed for several hours. I gained network access and stole several thousands of dollars in physical primitives by picking my way through cheap locks (credit to Deviant Ollam for the rad lockpicking animations.) 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.
Definitely see your point. One of my customers started as an owner/operator of a frozen yogurt shop that became popular, and now he has three. He says he works less hours now but his stress level is *higher* because he employs young people. (He actually has a low turnover because he pays well). Still, some people graduate high school not knowing you have to wash your hands after handling money, and chocolate toppings on the floor need to be cleaned up before bugs are attracted. He said he spends a ton of time explaining things that 18-22 year olds should already know. He told me if he had it to do over he would have just kept the one store and ran it himself. The point im making is that some people would prefer to keep it simple.  The only reason im expanding is I think there is room to bring in my good friend as a partner.  Ill end up making less money for a while and maybe equalizing in the long run but the business will be able to stay open five days a week even if one of us is gone. Ill be trading income for time without disrupting my customers.
For Ikea when you have to purchase pieces to a set, we get a separate receipts for each. So the brackets and shelving for the bedroom will be on one receipt and the brackets and shelving for the other room will be on another receipt. Even at the store I cant figure out what all the little pieces are! But really, if you are making a decent enough salary, then you are probably spending too much on wants and are calling the items needs. So really your problem is correctly identifying needs from wants. Define a NEED. YOU. Make up your own definition of need Dwell on it. Let it become meaningful for you. Oranges are a need. Chocolate is not (no, really it's not! Lol!). So when you are putting the stuff in the basket, you dont even have to think about whether it's a need or not after a while. Wants go in the child seat if at all possible (to keep the number of items smaller). When you are ready to check out, add up the items roughly in the want pile. Ask yourself if you really want all that stuff. Then put some stuff back! At this point ask yourself is the 8 hours I will have to work to pay for this worth it? Am I really going to use it? Will using the item make me happy? Or is it the actual buying of the item that makes me feel powerful? Where will I put it? How much time will I need to maintain it? Then put some stuff back! Get some good goals, a kayaking trip or whatever. Ask yourself if the item is worth delaying the trip. How will I feel later? Will I have buyers remorse? If so, put it back! These are controls you can put into place that don't take a lot of discipline. Writing the items down on the receipt is a more advanced step you can take later. If you are with friends, go first so that you can write down the items while they are checking out. If you are private and don't want to share your method with your friends, go to the bathroom and in the stall write it down while they wait.
You still haven't explained it.  I'm actually a theoretical physicist and many things (in fact, many more than in the financial world) can be done with pen and paper.  Also, I have a friend who works in risks management for a bank and the things he describes can't be done with pencil and paper. Everyone in his department uses either matlab or C. Not a single person uses spreadsheets. So unless you can give me a specific example of anything meaningful that in this day and age can be done with spreadsheets, you haven't contributed anything to a conversation that had nothing to do with you.
I think he is saying that the vote was not the reform needed. Some of you will be too young to understand but my only class action that I was in was Blockbuster. I ended up with like $1.45. If I had to guess I would spend about 20-50 bucks a month in late fees. Sometimes it was my fault because if I missed the weird time to return them I felt I might as well keep them for the fees and would be late again. I did not agree to sue them. I just did not opt out. Blockbuster made tons off of me and people like me. The lawyers who really just put people together as a class made millions. The customer is a pawn. That is what I think he means. You would need meaningful reform in the class action space for this to really matter. This is one of our boys are going to be sued and we should help them. Congress has basically protected Equifax downside risk. Yetto address the reality of the fact that the hack impacts the people congress supposedly works for and was caused by gross negligence. Maybe they should be building an RFP to replace them, not protect them.
Yes, of course.  My point is there are lots of different ways this could be funded.  For instance, one of the doctors complained that insurance only paid him $100 for a one-hour exam, but it costs him $300/hour to operate his office - so he quit taking insurance.  He said single payer is the way to go.  But what if single payer also only pays him $100 for the exam?  Then it's probably not so great.   If single payer pays him $300, but it requires a 20% payroll tax to fund the system, would that be great?    (I am not questioning a single payer system.  I am only questioning the lack of information in endorsing a single payer sysetm.)
So my wife was at work today and got yelled at by both a cop and her managers for simply LOOKING at the card. I don't understand I also work in retail and of course I must see the card to ensure it is a real card, it is a very strict policy that we must have a valid physical card to run any credit/debit transactions. People put skimmers everywhere you use your card and can pick up the info off the strip and put it onto another card and use it without you noticing right away. With the right equipment they can put their name on it or the name on their fake I.d. so the only red flag would be them trying to use several different cards
"At that point I was between relationships, and not really looking for one, so there was no ""spot formerly known as 'wet'"" to sleep in. I don't know if she ate breakfast or not. She would still be asleep when I left for the rec center at 6AM, then off to breakfast and class.   My friend who lived down the hall ""Bret the Voice"" noticed and would sometimes come over to hang out for a bit when she came over. We'd kick him out when it was time to sleep though.  It was a Cali-king sized bed I made from lashing two long twins together. Flannel sheets during the winter and lounging pillows on the floor made my dormroom The Place to hangout for my friends. Everyone called it ""The Bed of Lounging"". Every once in a while we'd have 4-5 people sleeping in it after a raucous weekend night.  No snoring I recall. I would fall asleep first and was the big spoon. I've never been able to sleep face-to-face with anyone, including my wife of 16 years.   The arrangement came to a halt when Bret the Voice and I moved out of the grad dorm the next year for a apartment off campus. Pam came over a few times to sleep, but not often because she couldn't just walk across campus. She had to drive. And by that time I was starting to get serious with a young lady from my art classes who was the most beautiful girl I'd ever been out with.  That's when I got a waterbed. They wouldn't let me put one in the dorm, even though I was on the ground floor. I asked..."
&gt; My wife is trying to start a business. She has no experience at all. Don't put in too much money. Use this as a chance to learn because she's going to have a bad experience. &gt; She is working with the husband of a friend who is importing products from China. Red flag #1. &gt; He is in China and his wife is in the USA on a tourist visa (no work allowed but she works) Red flag #2. &gt; I have caught this guy lying or being way less than transparent many times. You're telling me that a guy using his wife to illegaly conduct business in the US isn't above board? I'm shocked. Shocked, I tell you. &gt; I think he thinks others are stupid and can not easily see his misdeeds. That could be a red flag, or he could be correctly reading the situation. You said your wife has no experience in this arena, so why would he listen to her? &gt; “You tried to screw with me and my wife too many times so F you” Red flag #3. Don't mix business with emotions. &gt; I am asking for a settlement or I will do everything in my power to totally screw up his life Red flag #4. &gt; It will never stop or improve if the second party has a less than acceptable level of honesty and transparency. This is why contracts and lawyers exist. In business, everyone thinks they're making out better than the person on the other end of the table. If they didn't, they would ask for more. There can be mutually beneficial situations, but showing all of your cards is a great way for them to be used against you during negotations. &gt; It is a startup not big money, but us being in the USA as lawful citizens (me USA born, my wife naturalized Chinese ), we hold the risk here. Yeah, don't knowingly break the law. The risk is too high for you. &gt; I lived in China for ten years.
it was when I had my nexus s and I was giving my htc dream to a friend that something clicked, I love the nexus s too maybe I like my phones to have curves like a bar of soap rather than flat and square'd off like a Graham cracker
"My feeling is that you're basically agreeing to throw away a bucket of money for a lesson that doesn't have to cost a penny. Like another commenter said, you're putting the cart before the horse.  I once asked a similar question to a seasoned investor, though I wasn't in the position to toss my hard-earned cash into the well yet. He told me that the difference between the winners and losers is that the winners don't need the money. I'm not trying to say that there's a ""rich keep getting richer ..."" component here, while schlubs like me get nada.  The real nugget of wisdom he offered was that if anyone wants to do well as investors, we must invest in a way that we're not dependent on the money we have in the market. Instead, manage risk carefully so that you don’t get swept up in the emotional highs and lows.  For you, what I applaud is that you're willing to do your research first. And part of that should be anticipating how you will handle the anxiety when you put your money in at the wrong time or get out a little later than you should.  What I understand now is that you don’t need to be wealthy to “not need the money.” You just need to invest smartly and leave your emotions out of it."
The dividend goes to he who owns the stock when it goes ex-div. A buyer (the call buyer who exercises) will not exercise unless the stock plus dividend are in the money. Otherwise they'd be buying the stock at a premium.  I like the scenario your friend doesn't. If I can find a high dividend stock and sell the call for a decent price, I may get a great return on a stock that's gone down 5% over a year's time. If it goes up and called away, that's fine too, it means a profit.