vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"If you are wanting to teach your kids basic accounting principles there is some good stuff on Khan Academy. However most of the stuff takes practice to really make it hit home and its kinda boring (Especially to kids who may or may not care about it). Maybe if you help them set up an account on Mint so that they are at least aware of their finances. Think it also has a heap of videos you can watch that teaches basic personal finance. If you actually want them to understand the techniques and methods behind creating & maintaining a personal ledger/journal and reconciling it against a bank account you are getting into what undergraduates study and there are plenty of first year textbooks around. Look around for a second hand one that is a few revisions old and they are usually dirt cheap (I scored one for only a dollar not that long ago). I feel like the mindset is what matters most. Journals and all that jazz are easy if you have the right mindset. That is something that you really have to demonstrate to your children rather than teach. Meaning you yourself keeping your finances in order and showing them how you organise and file your bills/ credit cards etc. (So they learn the importance of keeping financial records; meaning in the future when its talked about it doesn't fall on deaf ears) Emphasize the whole ""living within your means"" because even if they don't understand bookkeeping or learn anything else at least their finances won't turn out too bad."
Lightning rod has been protecting places for 100 of years. This is a tried and tested methods that has been used by most of the worlds tall buildings. Only the technology on which it is built has advanced as per the modern requirements. A lightning rod is erected on the roof of a building and it is connected to a conducting channel to take the huge discharge of electricity into the ground. Visit us online here: https://www.slideshare.net/HanrryAlexander/lightning-damage-77871643 all-you-need-to-know-about-lightning-and-lightning-rod/
When brought for your every day habitual, vitamin C offers quite a number blessings, from nighttime out your skin tone, shielding skin from the visible influences of pollutants, substantially improving hydration, and keeping your pores and skin looking younger, longer. Regurlarly use of vitamin c serum for skin enhance  immune device and providing you with a brighten ahealthy pores and skin. Vitamin c serum for pores and skin is touted as an anti-getting older and anti-wrinkle cream. Many of those merchandise also fee an arm and a leg.  As we know that Vitamin c offers human frame an impotant role in keeping wholesome skins.
I think that journalism is going to have to shift to a more scientific based reporting standard to regain credibility. Data driven reporting, with explained methodology for collection and vetting the data; adversarial review of methods and conclusions; greater emphasis on accuracy rather than speed of delivery. I would happily pay for that service. I think the days of good faith trust in journalism as an institution and best practices are gone.
And honestly, if they don't understand email, it's probably better that they stay the hell away from it for national security purposes.   I don't have a problem whatsoever with them not knowing how to use email. That is not a skill that is really critical for what they do, and if it is detrimental to their overall productivity, they probably make up for it in their depth of knowledge and skill in the incredibly niche area of naval combat strategy.
From the Massachusetts Department of Revenue: 1st - Massachusetts Source Income That is Excluded Massachusetts gross income excludes certain items of income derived from sources within Massachusetts: non-business related interest, dividends and gains from the sale or exchange of intangibles, and qualified pension income. 2nd - Massachusetts Source Income That is Included: Massachusetts gross income includes items of income derived from sources within Massachusetts. This includes income: 3rd - Trade or business, Including Employment Carried on in Massachusetts: A nonresident has a trade or business, including any employment carried on in Massachusetts if: A nonresident generally is not engaged in a trade or business, including any employment carried on in Massachusetts if the nonresident's presence for business in Massachusetts is casual, isolated and inconsequential. A nonresident's presence for business in Massachusetts will ordinarily be considered casual, isolated and inconsequential if it meets the requirements of the Ancillary Activity Test (AAT) and Examples. When nonresidents earn or derive income from sources both within Massachusetts and elsewhere, and no exact determination can be made of the amount of Massachusetts source income, an apportionment of income must be made to determine that amount considered Massachusetts gross income. 4th - Apportionment of Income: Apportionment Methods: The three most common apportionment methods used to determine Massachusetts source income are as follows: Gross income is multiplied by a: So if you go to Massachusetts to work, you have to pay the tax. If you collect a share of the profit or revenue from Massachusetts, you have to pay tax on that. If you work from Oregon and are paid for that work, then you don't pay Massachusetts tax on that. If anything, your company might have to pay Oregon taxes on revenue you generate (you are their agent or employee in Oregon). Does the answer change depending on whether the income is reported at 1099 or W-2? This shouldn't matter legally. It's possible that it would be easier to see that the work was done in Oregon in one or the other. I.e. it doesn't make any legal difference but may make a practical difference. All this assumes that you are purely an employee or contractor and not an owner.
Its only a matter of time before Governments worldwide crack down on Bitcoin. Apart from using it for illicit purchases, money laundering or speculation based on its hard limited supply, what use does it have?   The transaction fees are much greater than other methods for small transactions, and its store of wealth is questionable given the vulnerability to hacking and volatility.
The President of the Biggest Economy in the world, who is making a new Tax plan, replacing the Head of the Fed and over seeing a loosening of financial regulation, is in all intents and purposes a Fucking Moron, how do you think this relates to the economy?
The claim was debunked within days of the original report - the NYTimes even retracted the original claim.  http://www.washingtonpost.com/business/the-truth-about-ges-tax-bill/2011/04/05/AFZm0L9C_story.html  At the time the NY Times made the claim, GE hadn't even filed its tax return for 2010 yet.  Finally, Here's ProPublica's analysis: http://www.propublica.org/article/5-ways-ge-plays-the-tax-game  The upshot is that, yes, GE does file an insanely complicated tax return and it does do everything it can to lower its taxes - but it is entirely false that it filed for a 3 billion dollar tax refund in 2010.
Incidentally, if you buy the shares directly, you wouldn't charge yourself fees, but you would have to pay commissions on each stock and it would destroy you - another benefit of the ETFs. Moreover, these ETFs claim they track the index, but of course there is no real way to peg an asset to another. So they ensure tracking by keeping a carefully curated portfolio. Of course nobody is perfect, and there's tracking error. You can in theory compare the ETFs in this respect and buy the one with the least tracking error. However they all basically track very closely, again the error is fractions of the percent, if it is a legitimate concern in your books then you're not doing index investing right. The actual prices of each fund may vary, but the price hardly matters - the key metric is does it go up 20% when the index goes up 20%? And they all do. So what do you compare them on? Well, typically companies offer people perks to attract them to their own product. If you are a Fidelity customer, and you buy IVV, they will waive your commission if you hold it for a month. I believe Vanguard will also sell VOO for free. But for instance Fidelity will take commission from VOO trades and vice versa. So, this would be your main factor. Though, then again, you can just make an account on Robinhood and they're all commission free. A second factor is reliability of the operator. Frankly, I doubt any of these operators are at all untrustworthy, and you'd be buying your own broker's ETF anyway, and presumably you already went with the most trustworthy broker. Besides that, like I said, there's trivial matters like fees and tracking error, but you might as well just flip a coin. It doesn't really matter."
Also, as an aside, lettering your truck (putting a decal on the side or anything more than your plumbing license number) is typically union-only. This act typically differentiates unionized companies from non-union companies. Next, he must decide what area of plumbing he wants to specialize in. There is process plumbing, fire sprinkler, medical gas piping, et cetera that he can choose to do that can focus his company into more of a niche market, granting him more work and higher prices for his work. This is your cash cow. Milk that bitch for all its worth. As far as getting leads for work, you're going to want to sign up for Blue Book for construction leads. This may seem like a lot of money (a few hundred a month or so) but the leads it provides you with in terms of bidding for work is invaluable. If you want, you can set up a website, but honestly, I would say that it isn't worth your time in this field. We've had a website for a few years and get &lt;100 hits/month on it even with Google Adwords just because this is not the type of industry where people (at least commercial and industrial owners) go to in order to find their subcontractors. Also, sign up with the Subcontractor's Association in your area. They provide you with leads and refer you out to other members and can provide you with new business on a regular basis. You're going to want to keep track of EVERYTHING. Larger jobs are best kept in 4-6"" binders where they are sectioned off via tabs for quick reference. This will assist in keeping the jobs straight, keeping plans together, correspondence, quotes, materials, hours and everything else. It's taken us years to figure out a good method, and this has been the best one we've come up with to this point. Typically if a job is &lt;$30,000 then it gets its own binder, otherwise it just gets a typical manilla file folder. One thing to also keep in mind as you grow is to keep your shop as locked up as humanly possible.
**Social Security number**  In the United States, a Social Security number (SSN) is a nine-digit number issued to U.S. citizens, permanent residents, and temporary (working) residents under section 205(c)(2) of the Social Security Act, codified as 42 U.S.C. § 405(c)(2). The number is issued to an individual by the Social Security Administration, an independent agency of the United States government. Although its primary purpose is to track individuals for Social Security purposes, the Social Security number has become a de facto national identification number for taxation and other purposes.  A Social Security number may be obtained by applying on Form SS-5, Application for A Social Security Number Card.  ***  ^[ [^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/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.27
The market is efficient, but it is not perfectly efficient. There are entities out there that consistently, legitimately, and significantly outperform the market because of asymmetric information (not necessarily insider trading) and their competitive advantage (access to data and proprietary, highly sophisticated models)*. I say this despite most hedge funds performing worse than their respective benchmarks. For most people (even very smart people) it makes a lot of sense to invest in index funds with a reasonable asset allocation (based on desired volatility, tax situation, rebalancing methods etc.).   * The usual example that is cited is RT's  Medallion Fund because it has enjoyed quite dramatic returns. Other groups that have been successful include Citadel and Soros Fund Management.
Thanks for the response.   Basically, the rub is that things are complicated and intertwined.  These kinds of heart-string tugging articles seem to want to shame Western culture as the bad guys but the truth is that our influence is both good and bad (and as you said, somewhat negligible) at the same time.
It's not mentioned in the article, but the state will invariably pay for infrastructure upgrades and maintenance around a project like this. The only way this pays off is if the tax revenue generated is enough to pay for any additional expenditure by the state. And the fact that Foxconn has a track record of not living up to its promises is what prevents this from being a no-brainer. We'll need to revisit the topic in 15 years when this deal has reached its conclusion to know if the gamble was worth it. The thing that is working to Foxconn's advantage here is that there were several states competing for this.
Don't hide anything from that list, no matter how small. Work out which of the things you need (paying off debt is one), which you can get rid of, which you need to reduce - and by how much. Be brutal with reducing or eliminating the non-essentials no matter how much you would prefer otherwise. Keep going until you have a budget in which your expenses are less than your income. Then stick to it - there is no other answer. Revisit your budget regularly, so you can handle things you haven't previously planned for (say, rent increase, increase fees for something you need, etc). If your income increases (or you have a windfall), don't simply drop the budget - the best way to get in trouble is to neglect the budget, and get into a pattern of spending more than you have. Instead, incorporate the changes into your budget - and plan how you will use the extra income. There is nothing wrong with increasing your spend on non-essentials, but the purpose of the budget is to keep control of how you do that, by keeping track of what you can afford.
The problem there is that there's a tax due on that dividend. So, if you wish, you can buy the ETF and specify to reinvest dividends, but you'll have to pay a bit of tax on them, and keep track of your basis, if the account isn't a retirement account.
"In short you have to wait till the hold expires. If its one week, its great. Few years back it was one Month. It is advisable you use a Credit Card for these type of transactions. With Credit Cards you are not out of funds like in Debit Cards. Plus the reversals are as much as I know automatic. In case of Debit Cards, the Holds are not automatically released on cancelled transactions but released only after expiry. Where as in Credit Cards, the holds are released immediately on cancelled transactions. ""Does the hold reserve it for them or for the original transaction?"" Yes hold is for that specific transaction from that specific merchant. i.e. if you try and book the same item from the same merchant, you will not be able to as you have money blocked. Although the merchant sends an unblock message when cancelling, on Debit cards these messages are not supported in India"
If you've got the money to pay off your credit cards, do it. Today, if possible. There is no need to pay another penny of interest to them.  They may or may not cancel your cards. That is up to them. We can't know what will trigger an individual bank to cancel your card. The answers you got on your other question offer some speculation on why some banks might cancel, but this is not something banks reveal. Anything you do on your own to try to keep the cards open is just a guess, and may or may not succeed.  But ask yourself: why do you want to keep these cards?  Is it for the convenience of the card? I agree that credit cards (paid in full monthly) are convenient, but when they start costing you money, they aren't worth it anymore, in my opinion. Debit cards have most of the same conveniences of credit cards, and are free.  If it is for emergencies, I recommend instead building up an emergency cash fund. That way, if an emergency arises, you won't be forced to borrow money at high credit card interest rates.  If the reason you want to hang on to the credit card is so you can spend more than you have, then you will find yourself in the same situation again. If I were you, I would pay off the cards ASAP. If the banks cancel your cards, just switch to a debit card and be thankful that you are no longer continuously leaking money to the banks.
"Check whether you're being charged a ""Cash advance"" fee with your withdrawals, because it's being withdrawn from your credit card account. If that's happening to you, then having a positive balance on your credit card account will dramatically reduce the fees. Quoting from my answer to a similar question on Travel Stack Exchange: It turns out that even though ""Cash advance fee - ATM"" has ""ATM"" in   it, it doesn't mean that it's being charged by the ATM you're   withdrawing from. It's still being charged by the bank of your home   country. And depending on your bank, that fee can be minimized by having a   positive balance in your credit card account. This isn't just for   cards specially marketed at globehoppers and globeshoppers   (mentioned in an answer to a similar question), but even for   ordinary credit cards: Help minimise and avoid fees An administrative charge of 2% of the value of the transaction will     apply to each cash advance made on your card account, where your     account has a negative (debit) balance after the transaction has been     posted to it. A minimum charge of $2.50 and a maximum charge of $150     will apply in these circumstances. Where your account has a positive     (credit) balance after the transaction has been posted to it, a charge     of $2.50 will apply to the transaction. Any such charge will appear on     your credit card statement directly below the relevant cash advance. A $2.50 charge if your account is positive, versus $20 if the account   is negative? That's a bit of a difference!"
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"I know of one practical difference between business checks (8"" check) and personal checks (6"" check) dealing with the paper check conversion rule to electronic debit.   The National ACH Association, created a rule that allows receivers of checks without an ""Auxiliary On-Us"" field, to convert your check into an electronic debit via the ACH network.  By default, 6"" checks (personal checks) do NOT have the AUX ON-US field, and are eligible to be converted to ACH debit. If you do not want your paper checks converted to ACH debits, then start using business checks with the AUX ON-US field populated.  You can use business checks for business or personal checking accounts. More information can be found below: http://www.deluxe.com/miscfiles/pdf/AuxOnUsField.pdf http://www.achrulesonline.org/"
I have been following some of these threads. Some of them are really old. I have read used recording to equity accounts to resolve the imbalance USD issue. The thing I noticed is that all my imbalances occur when paying bills. I took all the bills and set them up as vendor accounts, entered the bills in the new bills, and used the process payment when paying bills. The imbalance issue stopped. It makes sense. The system is a double entry. That's it will credit and debit. Assets accounts are increased with a debit and decreased with a credit. Equity accounts are increased with a credit and decreased with a debit. ie; Say you have an monthly insurance bill for $100. You enter it into the new vendor bill. This credits Accounts Payable. When paying the bill it credits checking, debits account payable, credits vendor account, debits the expense insurance. In short for each credit there has to be a debit for the books to balance. When there is no account for it to record to it will record in Imbalance USD to balance the books.
Yea I think a lot of this article is poorly written stats mashed together to make a weak statement. 4% for a card present merchant is way expensive. For someone with an average ticket of above ~$25 I'd say 2-2.5% is more the norm.  But saying interchange fees are generating more revenue than overdraft could be attributed to so many things, like people just using credit cards instead of debit cards. Note there's no data here (that I saw at least) about the volume spent on cards overall either, for example was the volume just transferred from debit to credit or did the volume actually go up even?  Overall pretty garbage article imo that provides no real value to the reader.
Large and small universities have procedures in place regarding the use of the universities name, logo, facilities, and budget. They should have in place guidelines regarding the collection and use of funds from members, and participants. These guidelines are what allows you to have an account with the university. Generally these are not kept in  the credit union but are with the university treasurer.  I would approach this as if I knew nothing about how to get an officially recognized club or organization started. They should then provide you with all the rules and policies regarding money for student organizations. These policies may also discuss how to collect cash, checks, and credit cards. Some universities also allow the use of special card readers to process the special debit card attached to your university ID.  The 10% fee charged by the university is typical. They will need to account for your funds, while maintaining their tax exempt status. If you get fully inline with their policies that will allow you to avoid tax issues.