vania-janet/multiturn-rag-retrieval-data huggingface dataset:
These days there are a lot of solutions which allow you to hire a car on the Internet itself. One of the major benefits of booking on the internet rental-car solutions is that you will preserve a fortune and ensure that things are effectively structured, thus saving sufficient time as well. We provide the Car rental services at a cheap price in the whole world. The best way to reduce costs and plan for local transportation when you are on a vacation is to book your car.
"Oh please, don't be one of those hipsters pining for the good old days. Great games get released all the time, even in this ""modern era.""   It's just that at this point in the year there are no high-quality popular games being released, and we are also caught in a transition point between consoles. Developers are getting used to new game engines (or building their own) which takes time. The first year of a console's lifespan is usually just a few half-decent launch games and a bunch of ports from the previous gen; nothing that really takes advantage of the capabilities of more modern hardware.   And as mentioned below, this doesn't take into account digital distribution, which is becoming more popular every year."
The rev rec rule allows companies to fully restate transition years, but doesn't actually require it. It allows them to just do a one time adjustment to retained earning instead, which is what most companies are doing/will do.  Lots of huge companies have adopted earlier than they had to, so they clearly saw some benefit in doing so. I think some are absolutely considering the benefits of a superficial bump in the transition year.   Obviously not a huge shift in long term earnings though.
Along with the above reasons, the fact that DHA are under investigation by the Federal Police, should be a red flag to any potential investor. The Federal Police aren't called in over parking fines.  The rules that are in place for effective and appropriate management appear to have been compromised. I would like to see DHA's marketing people explain why the Department of Finance called in the Feds. To clarify further, with any investment, the potential investor must satisfy beyond any doubt whether there's a problem with an individual or with the way the organisation is managed as a whole. Look at the Big Four banks. To complete the research I suggest wait until DHA release an appropriate public statement (hopefully a sensible one that is honest- but don't hold your breath). I can see parallels with the recent scandal with HSU. When management is being led away in handcuffs it may be too late to change your mind.
To one extreme, there's term. Aside from the commission, the premium is buying insurance and that's it. But when the tax and math wiz guys started to get together, they were able to use insurance as a wrapper to create products that might have some tax benefits. Whole life created a product that had an investment component which was able to pay the ever increasing premium costs. To the other extreme, there are variable annuities with a fixed $20/mo mortality fee which on a large valued account can be a tiny fraction of a percent of the funds invested. In effect, it's not an insurance product, but an investment, one that wrapped in a very thin insurance veil to keep it away from certain security regulations. This is likely the product you are being offered, or some variation of it.
If it is a separate unit from the rest of the property,  you can use that portion as an investment property.  the part, or unit, you are living in is your primary residence. The remainder is your investment. You are eligible to not pay capital gains on the portion you live in After two years. As always consult a tax accountant For advice...  Also, if this is less then 4 unit, you may he able to finance the sale of the home with an FHA loan.
Of course, the situation for each student will vary widely so you'll have to dig deep on your own to know what is the best choice for your situation. Now that the disclaimer is out of the way, the best choice would be to use the Unsubsidized Stafford loan to finance graduate school if you need to resort to loans. The major benefits to the Unsubsidized Stafford are the following: You'll be forced to consider other loan types due to the Unsubsidized Stafford loan's established limits on how much you can borrow per year and in aggregate. The borrowing limits are also adjustable down by your institution. The PLUS loan is a fallback loan program designed to be your last resort. The program was created as a way for parents to borrow money for their college attending children when all other forms of financing have been exhausted. As a result you have the following major disadvantages to using the PLUS loan: You do have the bonus of being able to borrow up to 100% of your educational costs without any limits per year or in aggregate. The major benefit of keeping your loans in the Direct Loan program is predictability. Many private student loans are variable interest rate loans which can result in higher payments during the course of the loan. Private loans are also not eligible for government loan forgiveness programs, such as for working in a non-profit for 10 years.
"This is the best tl;dr I could make, [original](https://www.federalreserve.gov/econres/feds/files/2017086pap.pdf) reduced by 99%. (I'm a bot) ***** &gt; 15 5.2 Pass-Through of the MIP Reduction to Borrowers Was the MIP cut fully passed through to borrowers? Previous research has found that price reductions in the mortgage backed securities market are not fully passed through to consumer-facing interest rates, particularly in times of high mortgage borrowing volume. &gt; Second, the cost of borrowing jumps discontinuously at an 80% LTV ratio, as borrowers have to pay annual and upfront insurance premiums on the entire loan balance once they cross that threshold, in addition to interest and insurance on the additional amount borrowed. &gt; Taking FHA borrowers in 2015, we approximate their counterfactual DTI ratio as: = + 0.005 where DTIc is the counterfactual DTI ratio, DTIf is the ratio in the data, L is the loan amount at origination and Y is the borrower&amp;#039;s income as reported in HMDA. In the merged HMDA/Optimal Blue data, the average FHA borrower in 2015 would have a DTI 1.6 percentage points higher under the old premiums than under the reduced premiums. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6v3vm5/fed_the_effect_of_interest_rates_on_home_buying/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~195634 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."
##National Housing Act of 1934 The National Housing Act of 1934, Pub.L. 84–345, 48 Stat. 847, enacted June 28, 1934, also called the Capehart Act, was part of the New Deal passed during the Great Depression in order to make housing and home mortgages more affordable. It created the Federal Housing Administration (FHA) and the Federal Savings and Loan Insurance Corporation (FSLIC).  The Act was designed to stop the tide of bank foreclosures on family homes during the Great Depression. Both the FHA and the FSLIC worked to create the backbone of the mortgage and home building industries, until the 1980s.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&amp;message=Excludeme&amp;subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index)   ^] ^Downvote ^to ^remove ^| ^v0.2
As others have said, it depends entirely on what benefits are provided, and how much of the cost of those benefits is paid by the employer and how much is paid by the employee, and compare that to what it would cost to obtain the necessary/equivalent coverage without employer assistance. In my case, my employer pays more than $10,000 per year toward the cost of medical, dental, vision, disability, and life insurance for myself and my family. That's almost 20% of the average total household income in my state, so it is not an insignificant amount at all.
If you are considering the addition of Farm Fencing, you should weigh your options carefully. Contact your homeowner's insurance carrier before you finalize your decision. Find out what height of security fence will reduce your premium the most. This will ensure that you reap all of the benefits from the expense of adding an aluminum security fence to your property.
Free business listings in India are currently one of the biggest platforms for promoting your business. This is where you can list your products for free and attain new heights if success with the amount of attention you garner. There are a lot of benefits of registering your business with an online directory.  http://www.businessinfolink.com/
"The extent that you would have problems would depend on if the annuity is considered Qualified or Non-Qualified. If the annuity is qualified that means that the money that was put into it has never been taxed and a rollover to an IRA is simple.  The possible issues here are tax issues and a CPA is likely the best person to answer this question.  Two other things to consider in such an event is the loss of any 'living benefit' or 'death benefit'. Variable annuities have been through quite the evolution in the last 15 years. Death benefits have been around longer than living benefits but both are usually based on some derrivitive of a 'high water' mark of the variable sub accounts. You might want to ask Hartford the question ""...how will my living or death benefits be affected if I roll this over""."
"The ""Actual Applied Rate"" of 7.5% is the total amount of interest charged over the life of the loan, $2,204.82, divided by the loan amount divided by three years. This amount is lower than the actual interest rate of 13.69% because interest charges are based on loan principle which reduces over the life of the loan."
&gt;And this is bad why? What is the total funding? What is the total return? Do you have the necessary facts to evaluate this?  Yes, I have. The public picks up generally, about 75% of the total cost of a major sports complex and in the past 20 years, U.S. cities have spent upwards of $20bn on major venues alone. Not included are the hundreds of smaller venues such as arenas and ice hockey facilities that almost never produce the sorts of economic benefits promised. Some, such as the Meadowlands in New Jersey aren't even paid off before the next one is being built. And that's not including sizeable and ongoing tax breaks. Sports teams are pretty profitable organizations - why does the public have to foot the bill?
So, ‘period’ what is that? It used to be the problem of the past. Though all those virtuous reasons are valid and all those stereotype benefits are never wrong but this is the time to explore some more virtues in your regular menstrual cups. These cups are comfortable, convenient and ideal for the scatterbrained and lazy ladies. They are truly the ultimate in slacker period products.
Unsecured loans are loans that have not been “secured” with any kind of collateral. For example, the bank does not have the ability to take your property or automobile if you stop making payments on an unsecured loan. These loans are sometimes referred “signature loans” due to the face your signature on the loan agreement is all that you deliver to the table. Unsecured loans are available in a variety of flavors.
&gt;Stock down more than a percent  What an absolutely nonsensical sentence.  Typical daily swings up and down are well within that range.  To attribute a 1.2% (at the time of my comment) decline to a crappy NYT article is completely baseless correlation.  Also, Starbucks is regularly rated one of the best companies to work for at that income bracket.  Part-timers get reimbursements towards education, health benefits and retirement contributions - benefits that many companies don't even provide to their full-time staff.  What an absolutely bs submission.
"Useless statistic.  From the article:  ""The four-week moving average of claims, a less-volatile measure, climbed to 377,750, the highest in a month, from 376,000. The number of people continuing to collect jobless benefits increased 34,000 in the week ended May 26 to 3.29 million. The continuing claims figure does not include the number of workers receiving extended benefits under federal programs.  Those who’ve used up their traditional benefits and are now collecting emergency and extended payments slumped by almost 105,000 in the week ended May 19 to 2.83 million."""
Seriuosly? I had to stop at slide 20 because it was just the typical crap from the crapiest of the economical web pages, bussiness insider.  He says that regulations are not the problem and then goes to say that corporate profits are very high. How is not that the fault of regulations? Regulations produce benefits for the big companies and stop competition, therefore is normal that because of regulations the richer are getting richer and the poor poorer.
"&gt; why would it be so hard to say ""Monsanto #204054 Strain Corn"" instead of ""Yellow Corn""?  Because it's incredibly hard to track individual strains like that.   &gt;The whole ""let's engineer herbicide-resistant crops"" model gives a license for carpet-bombing with herbicides, instead of judicious use.  Do you know the application rate for glyphosate? Or the relative toxicity and persistence of the older herbicides?  &gt; It would not surprise me if such crops end up reaching the market with higher average levels of herbicide residue.  You could look into it. Instead of making assumptions.   &gt; If the benefits weren't obvious for the consumer, it became easy for the conspiracy-theorists to take hold of the story.  The benefits aren't to the consumers. At least not directly. More efficient yields and transitioning to less toxic herbicides while reducing insecticide usage are benefits for farmers."
"tl;dr: I agree with Pete B.'s assertion that you should continue shopping. That's not the whole story though; there are other factors that can raise your rate, and affect your closing costs. The published rate is typically the best rate you can get. Here are some other factors that can raise your rate: You should have received a loan estimate which will itemize the fees you will pay. On that document you will see if you are paying a price to ""buy down"" the rate, and all the other fees. How are you calculating the 2.5%? Note that some fees are fixed. An appraisal on a $40K home may cost the same as an appraisal for a $400K home. If you add up the total closing costs and view it as a percentage of the loan, the smaller loan may have a higher percentage than the larger loan, even though the total cost of the smaller loan is less."
Wood, stainless steel, aluminium, concrete, and stone are some of the materials used to build balustrades. However, in this age of environment consciousness, modern construction technologies are turning to eco-friendly materials for the development of properties. As a result, glass balustrades are the most popular option that builders prefer to use, due to their many benefits.
Looks like over 50% of the population owns stock that isn't uber rich. Having some money doesn't make you a bad guy or less deserving of earning money on stock. What exactly is the problem? It benefits the stock holders who are normal people  Broke people don't own stock.
Student loan is a class of unsecured loan.  The characteristics that define a student loan are, primarily, that it is a loan that is intended to be used by someone who is currently a student.  Beyond that, though, there are many variations. The different kinds of requirements usually have to do with who is eligible for the loan, and with what the loan is allowed to be used to pay.  Some loans have other limitations, such as only being allowed to be directly paid to the institution. Some student loans are federally guaranteed (meaning the Federal Government will repay the bank if you default).  Those have a lower interest rate, typically, and often have more stringent requirements, such as only full-time students being eligible, being need-based, and limitations on what the loan's funds can be used for.  See studentaid.ed.gov for more information. Many private student loans have quite lax limitations. Some for example have nearly no limitation as to what they can fund; many are allowed to be taken out by part-time students and even non-degree-seeking students in some cases.  Private loans usually have somewhat higher rates (as they're entirely unsecured) to go along with the lower restrictions and higher borrowing limits.  You'd have to see the specific details of any particular loan to know what it's allowed to pay for, so if you choose this route, know what you plan to use it to pay for before you go looking.
A lease payment is composed of an interest portion (borrowed money) and depreciation amount (purchase - residual). The Monthly payment is then Monthly Interest Cost + Monthly Depreciation Cost The Money Factor is used to estimate the amount of interest due in a single month of a lease so you can figure out the monthly payment. If you are borrowing $100,000 then over the entire loan of repayment from a balance of $100,000 to a balance of $0, the average amount you owed was $50,000 (1/2 of principal).   You are repaying this loan monthly (1/12 of a year) and percents are expressed as decimals (1/100). 6 * 1/2 (for principal) * 1/12 (for monthly) * 1/100 (to convert percentage from 6% to .06)  = 6 * 1/2400. 2400 is the product of 3 consecutive conversion (1/2 * 1/12 * 1/100) to convert from an interest rate to a money factor. 6/2400 = Money factor of 0.0025 which can be multiplied against the total amount being borrowed to know what the monthly interest would roughly equal. Some Money Factor info: https://www.alphaleasing.com/resources/articles/MoneyFactor.asp
The difference is, outside of a small period in the 70s, this is the first time that events are converging that will very likely make it true. Short of the emergence of an industry that can economically support us for the next 20-30 years (which is essentially one part of what saved us during the 70s, with the computer revolution), the options that exist for Social Security are:  1. Increase benefits age. 2. Decrease payouts (either by nominally decreasing them, or de facto decreasing them by not keeping pace with inflation). 3. Print the money to pay back the IOUs that are the foundation of Social Security today (resulting in massively inflated money supply and lower purchasing power of the payouts).  So while it might be true that this was discussed, because of the massive size of the system and the economic might of the United States, there was never really a threat of it actively impacting a generation until now.  That aside, the Social Security argument was only one arm of the discussion. The Gen X generation, if the economy doesn't recover, is going to be the first generation to have to figure out what retirement means when your entire generation is lacking resources to support itself (compared against the WWI generation (savings, not possible now with inflation), the Greatest Generation (pensions, which are gone), and the Baby Boomers (401k and remnants of Social Security system)).
"The comments are getting too much, but to verify that you are not insane, you are being bullied.  It sounds like this is a sub-prime loan, of which you are wisely trying to get out of.  It also sounds like they are doing everything in their power to prevent you from doing so.  For them you are a very profitable customer. This might take some legwork for you, but depending on how bad they are violating the law they might be willing to forgive the loan.  What I am trying to say, it might be very worth your while! Your first step will be looking for any free resources at your disposal: Just be cautious as many ""credit representation"" type business are only offering loan consolidation.  That is not what you need. Fight those bastards!"
Copyrights and patents are inventions of the state meant to encourage producers to create works that benefit society *not* ensure the benefits of proceeding generations and their scions. You can't own an and occupy an idea like you can land or gold and to create a system that rewards the production of ideas takes resources to support and thus can such guarantees be sustained for a finite amount of time and not in perpetuity.
You're exactly right and I agree with you completely.  Just to add, another important fact is that autos simply don't represent as large or sticky of an asset on peoples' personal balance sheets. A house often represents a significant leverage on income, but cars are a fraction of the price, significantly more liquid, and purchased with the expectation of depreciation so there's much less incentive to over leverage (as opposed to buying a house and reselling when the market rises). All of these aspects naturally limit the amount of damage that a broad auto loan default could have and limits the autocorrelation of the default of one loan to another.  I think people just liked the movie too much and are searching for the next *big short*.
Call centres are also looking to the future for the return of economic prosperity. Discretionary spending on strategic goals designed to ensure that they will be poised to benefit from the upturn has increased. Most discretionary spending has been allotted for technology enhancements. By investing in technology, the centres are anticipating that the new technologies will deliver benefits in the form of lower operating costs and improved customer satisfaction.
&gt;  &gt; The state has never, over 30 years, followed standard practice and used an actuary to determine how much to put into the pension funds each year. The legislators just pulled numbers out of the air each year. As a result the pensions have never been properly funded. The benefits are rich but, according to the people on this panel the main issue is this under funding.  This is a half truth.  Mr. Ingram, CPS and others are just as at fault for letting politicians kick the can down the road.  In contract negotiations, they don't pressure the legislature to come up with the money and keeping those pension accounts funded.    The state passed a law in 1988 changing the length of time the state needed to cover its pension debt, expanding it to 40 years, and the Teachers Unions never cared as long as they got as large a promise as possible.  As long as the payment promises are large, they never cared about having the accounts funded.  &gt; 2/3 of the teacher's pension hole is for people already retired. Changing benefits for current teachers will not help enough.  A good chunk of these teachers are retiring with 6 figure salaries that grow at 3% per annum.  It's insane, whether they are already retired or not.  The math is insane.
Unsecured loan is any loan that you don't provide an asset as a collateral for. Auto loans are usually secured - by the auto. If you don't pay off the car, it will be repossessed. Credit cards are a good example, personal/business loans are also usually unsecured, and you've pretty much covered it. Majority of loans, especially for large amounts, are usually given for a specific purpose (usually purchase of a large asset) and are secured.
Shhh, all of these lists are stupid bullshit so that executives can pretend that the issues aren't related to wages, benefits, time off, unpaid overtime, but instead the issue is to look at your employees like a bunch of whiny teenagers that just need some direction and a slap on the back once in a while.