vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"For the Google impaired: McDonald's Corp. MCD +0.26% on Friday reported its worst monthly calendar-adjusted global same-store sales since early 2003 as it deals with a meat-supplier scandal in China and continued weakness in the U.S. Global sales fell 2.5% in July, far worse than expected. The steepest drop came in its Asia/Pacific, Middle East and Africa region, where sales at existing locations slumped 7.3% last month. Analysts expected a 0.5% drop in that region. The bigger problem for the company is continued weakness in the U.S., its largest market in terms of restaurants. For July, McDonald's reported the ninth consecutive month of negative or flat same-store sales growth in the U.S.—its longest stretch without growth in its core market since 2003. The world's biggest restaurant chain and its chief executive of the past two years, Don Thompson, are currently wrestling with significant challenges on multiple fronts. McDonald's has lost sales momentum over the past year in its home market as U.S. consumers defect to fast food rivals such as Burger King Worldwide Inc. BKW +0.15% or fast casual chains like Chipotle Mexican Grill Inc. CMG -0.32% Analysts are beginning to wonder how McDonald's will get the chain growing again. ""While we admire McDonald's global footprint, strong brand, and proven business model, without clear comp drivers to act as catalysts, we remain unconvinced of a substantial reacceleration in results,"" Bernstein analyst Sara Senatore said. In its core market, McDonald's is also contending with an intensifying campaign to improve wages and other conditions for fast-food workers. The National Labor Relations Board determined last month that McDonald's could be treated as a joint employer with its franchisees in labor complaints, which could make the company liable for the actions of its franchisees. The decision by the NLRB's general counsel came in response to complaints alleging that McDonald's and its franchisees violated the rights of employees involved in protests seeking higher wages and the right to organize. McDonald's vowed to fight the decision.
If you believe you can time the crash, then  We all know what comes after a crash… just as we know what comes after the doom, we just don’t know when….
Holy shit man, you must have some deep seated issues to get this bent out of shape about the way people choose to buy their mattress.  FYI: most of the major online mattress companies offer something like a 100 day no questions asked return policy, which is a hell of a lot longer than the minute or so people usually spend on the in-store models. Let me name you a few reasons why this “know-nothing millennial” purchases their mattress online:  * You don’t have to deal with annoying sales people * You can actually read the good and bad customer reviews about the product you are about to spend 1/3 if your life on * You don’t have to deal with annoying, uninformed, money-grabbing sales people * Consumer reports has a review for the exact model you intend to buy online versus whatever 12 in-store mattress are the flavor of the month  * You can get a VERY comfortable mattress for 2/3 or 1/2 the price of an in-store mattress * Did I mention that you don’t have to deal with cost-inflating-so-they-get-a-bigger-bonus sales people?
One way is to compare the implied volatility with the realised volatility over a period similar to the time left to expiry. However there are plenty of reasons why the implied may be higher than the historical, for example because the market volatility has increased overall or because the underlying company is going to report their results before the option expires.
&gt;I couldn’t know it then, but the outcome of that battle would influence the purchase decisions of many thousands, if not millions, of people seeking a good night’s sleep. It would also reveal just how thoroughly the internet and the businesses that thrived there had blurred the lines between product reviews and advertisements. All I’d wanted was a mattress, but what I got was a look at a little-known and hugely lucrative annex of e-commerce, one where the relationships can often get a little too comfy—until they’re not.
There are companies who sell data gleaned in aggregate from credit card providers to show how much of what category of product is sold online or offline, but that data is not cheap.  1010data is one such data aggregator we are talking to right now. Haven’t seen pricing yet but I expect 6 figures to access the data
&gt; Women have to be represented in the global economy or it'll cost the world a shit ton of $ later on.  Demonstrate how women are NOT represented in the global economy, and how this lack of representation will cost the world money later.  &gt; There's a bunch of underbanked women around the world due to laws and Everex allows them to get microloans and/or execute deals in a micro finance fashion.  Great for Everex, but I can't help but notice the practice is a bit discriminatory against men, is it not?
MS lacks the marketing balls to treat the ARM surface as a unique product and treat the intel surface as a win7 laptop with a touch screen. They see value in putting their eggs under the windows 8 umbrella and crosspromoting their virtues. I think that it's a mistake, but one that the media will fix for them.  I understand why they lack the balls. Apple had a 10% market share computer and were entering a new market so tying the Mac and iP_d marketing together wasn't valuable. MS has 90% market share with Windows so connecting everything with Windows is the safe bet. You just don't hit a lot of home runs by bunting.
Do you think we will go through a long period of closures due to Amazons growth and competition, followed by market demand for in store purchasing, and potentially dwindling Amazons success, causing struggle due to all of their invested overhead? This cycle would of course take years just as retail has been impacted.
"Often ""resigned suddenly"" means a power struggle with the board in which a CEO was forced out.  &gt; In light of Pandit's resignation Chief Operating Officer John P. Havens also submitted his resignation  This to me is further evidence that he was actually forced out in a power struggle.  The COO had probably sided with Pandit and knew his days were numbered once Pandit was forced out.  Otherwise, if it was a happy, orderly transition, there is no reason to think why another important officer would suddenly leave as well.  Obviously this is pure speculation, but I would take ""resignation"" with a grain of salt."
Sounds to me like this restriction is limited to banks as issuers of convertible debt, which may affect their compliance with capital requirements, but is unlikely to affect the overall market for convertible debt.  Also the restriction is limited to retail investors, and I think most convertible debt offerings are not aimed at retail investors, so this restriction seems pretty limited to me.
I wonder if Home Depot price drops are just a product of capital outflows from retail ETFs, as investors leave the sector en masse. I think Home Depot is defensible against online intrusion, at least for now. If Home Depot is taking a price hit because investors are conflating it with other obvious retail losers (Barnes and Noble, Target, etc) this might actually be a good time to buy.
"&gt;he believes that Facebook’s IPO is a clear sign that capital markets are rigged against ordinary “mom and pop” retail investors.  Should mom and pop be investing in IPOs in the first place?  And if they are then shouldn't they be expected to read all the SEC filings just like any sophisticated market participant?  I think the FB IPO sucked really badly and damaged capital markets but NOT because ""mom and pop"" didn't read all the filings."
&gt;With so many establishments saying facebook was built on hype and was going to burn a lot of investors, I actually thought it might go up.  Why would you think that?  If you're new to investing, why would you bet against the people who make their entire livelihood analyzing the stock market?
If there's one activist you don't go to war with, it's Paul Singer. He mailed thousands of mini video players to retail investors of Arconic this spring to get them to swing the vote, putting in 4 new dissenting board members.
"While I'm sure there's some truth to the argument that unsophisticated retail investors index against the S&amp;P 500 thinking that they're tracking ""the market,"" I don't think it makes sense to steer the S&amp;P 500 in that direction to cater to that lowest common denominator. The *ad absurdum* conclusion of that course of action, of course, would be to abolish the S&amp;P 500 entirely and move those assets into the S&amp;P Total Market Index. But clearly there's value in having an index that tracks US large-caps with single share classes, just as there's value in having an index that tracks US large-caps in general.  As for whether it will be a loss for passive investors...it will be interesting to see how that pans out. Maybe good corporate governance and direct accountability by managers really do contribute positively to returns in the long run and investors will benefit from this change as a result. Or maybe this will result in companies with multiple share classes being undervalued and create an opportunity to earn outsized returns by investing in them, and indexes that omit those companies will underperform. Only time will tell."
Lowered bid ask spread. If you as a market market have to onto inventory (risk) for a long period then you have to charge your customers a commensurate premium. The groups who have lost because of HFT are big banks, any large investor who used to get preferential treatment from brokers, and floor traders. The groups who have won are retail investors and those investors who weren't large or connected enough to get preferential treatment from brokers (majority of investors).
Why does 3000 employees strike you as such a high number? In number of employees per user, they have a pretty similar ratio to Facebook: http://royal.pingdom.com/2013/02/26/pinterest-users-per-employee/  And I would argue that the lack of growth in their user base has more in influence on Twitter's struggle to profitability than anything else.
A lot of people use dividend stocks as a regular income, which is why dividend stocks are often associated with retirement. If your goal is growth and you're reinvesting capital gains and dividends then investing growth stocks or dividend stocks should have the same effect. The only difference would be if you are manually reinvesting dividends, which could incur extra trading fees.
I think you just hit the nail on the head as to why I enjoy it so much.   I find I have a much lower attention span to music played digitally, the fact I have the power to skip songs, queue other artists. Even though I tend to be pickier with my Vinyl purchases I still struggle to listen to the same albums through Spotify.
"not trying to be insulting, but i would contend your response should be the one dissected in econ 101.  why? because yours is the theory du jour among business interests and economic commentators in the media. the fact is that this brand of ""free market"" capitalism rests on a series of impractical assumptions.  first is that investors are perfectly rationale allocators of capital.  from this, that excess capital is invested - at all, let alone in a productive fashion.  next, that taxation (presumably what is considered ""high"") has caused unproductive investing practices, when in fact the inverse is true - decreases in effective income tax rates (personal and corporate) combined with the reduction of passive taxes (like the estate tax) have resulted in the incentive for investors to sit on their capital and do nothing to return it to the system.   finally, and perhaps most egregiously, that investing profits back into expansion and worker compensation is misallocation of resources. the entire article serves to demonstrate that this line of thinking is a self defeating concept. giving precedence to the relatively elite investor class ensures that capital is allocated according to their whims, and often times that simply means into their bank accounts. this starves the system.  so i don't expect to change your mind, but i would like others to know that what you are saying is widely debunked, chicago school nonsense that gets a lot of air time from self serving interests across popular media.  a few hours of unbiased research will make this evident. it is somewhat ironic that the theory has limited standing academically, as it works only in an academic/theoretical setting."
Lol, thanks for that.  All you are saying is that electric motors struggle at an arbitrary high speed.  All motors struggle at high speeds.  Just stating that electric motors aren't suited for speeds &gt; 100 MPH  isn't convincing.  I think it's more of a trade-off between transmission design and top speed / acceleration.  You can get an electric car with top speed of 125 mph and world-class acceleration.  This car would blow a Camaro away.
"Which, if someone has been out of work for a while, may well be the unemployed one. After all rescuing someone from despair is a step towards nurturing loyalty.  For those who struggle with answering questions about why you have been unemployed for 2 years, people do like underdogs they can believe in. Nothing wrong with saying this is my dream job and you should pick me over others because I need it more and will fight harder to meet my goals for an employer that ""took a chance"" on me."
Mervis Diamond is voted as Best place to buy a Diamond.  They offers a 100% lifetime trade up policy on all loose diamonds. Because Mervis is true diamond importer they feature a massive selection of diamonds often at prices far below retail. As a third generation family business Mervis Diamond Importers conducts business the old fashioned way with honesty and integrity.
Properties do in fact devaluate every year for several reasons. One of the reasons is that an old property is not the state of the art and cannot therefore compete with the newest properties, e.g. energy efficiency may be outdated. Second reason is that the property becomes older and thus it is more likely that it requires expensive repairs. I have read somewhere that the real value depreciation of properties if left practically unmaintained (i.e. only the repairs that have to absolutely be performed are made) is about 2% per year, but do not remember the source right now. However, Properties (or more accurately, the tenants) do pay you rent, and it is possible in some cases that rent more than pays for the possible depreciation in value. For example, you could ask whether car leasing is a poor business because cars depreciate in value. Obviously it is not, as the leasing payments more than make for the value depreciation. However, I would not recommend properties as an investment if you have only small sums of money. The reasons are manyfold: So, as a summary: for large investors property investments may be a good idea because large investors have the ability to diversify. However, large investors often use debt leverage so it is a very good question why they don't simply invest in stocks with no debt leverage. For small investors, property investments do not often make sense. If you nevertheless do property investments, remember the diversification, also in time. So, purchase different kinds of properties and purchase them in different times. Putting a million USD to properties at one point of time is very risky, because property prices can rise or fall as time goes on.
"Pay to play? You mean they pay for beefier data feeds that other firms don't need, sure they do. But everyone can trade on the US exchanges now (NYSE, NASDAQ, BATS, etc) which was not true 20 years ago when NYSE had the specialist monopoly, so yes the markets are more democratic than they've ever been.  Side note, the exchanges do directly profit from increased trading volume because they take a small % of every trade, so I'm not sure what you mean they don't directly profit from it.  Also I get the feeling you don't understand the scope of HFT activity, HFT peak profits were on the order of 7 billion during the highest volume time of the last decade (2005-2010). They are now around 1B. Compared to the trillions of dollars that change hands in the exchange per year, this is chump change, hardly a ""free money faucet"".  Also Katsayuma opened yet another dark pool that caters to high volume clients (your goldmans and merrils). The only difference in IEX is it got a free marketing campaign to entice clients. Seriously, IEX is nothing more than the existing fixed cross dark pools, which btw screws over retail investors more than the lit exchanges like NASDAQ.   Katsayuma got steamrolled in his executions because he couldn't keep up with the time and then hit the lottery jackpot by getting Michael Lewis to paint him as a ""hero"", honestly I'm confounded at how lucky that dude got.  BTW broker dealers get preferential treatment in IEX, meaning they get to cut in front of the line in front of retail investors. Why are you so opinionated about this, did you make a few bad trades on eTrade and need a scapegoat?"
Sharpe ratio can work but is often too complex for retail traders.  Consider using R-Multiples, where R is the amount risked on the trade. If you're risking 100 and you make 200, that's a 2R trade.  There's no right R multiple and it's dependent on your trading style.  Van Tharp's books help describe it better.
FX is often purchased with leverage by both retail and wholesale speculators on the assumption daily movements are typically more restrained than a number of other asset classes. When volatility picks up unexpectedly these leveraged accounts can absolutely be wiped out. While these events are relatively rare, one happened as recently as 2016 when the Swiss National Bank unleashed the Swiss Franc from its Euro mooring. You can read about it here: http://www.reuters.com/article/us-swiss-snb-brokers-idUSKBN0KP1EH20150116
&gt; Amazon won't be able to compete with China's Alibaba and Alibaba Express.  Doubtful -- Alibaba specializes in wholesale. Aliexpress is more of an Amazon competitor, being online retail, but there's a reason we use Amazon and not Aliexpress -- Aliexpress's niche is cheap, low quality, made-in-china shit, often with [hilarious results](https://imgur.com/a/gEVgW) or [even dangerous](https://www.youtube.com/watch?v=Auo5knqHMH8).
To play devil’s advocate to much of what has been written before, it's also worth noting that this is quite an important quote for a sort of reverse reason to what has been discussed before us, that of that fact that virtually every economic situation is different. As it's such a reflexive problem, each and every set of exact circumstances is always different from before. Technology radically changes, monetary policy and economic thinking shift, social needs and market expectations change and thus change the very fabric of markets as they do. It's only in its most basic miss projections of growth that economics repeats, and much like warfare, has constant shifts that radically change the core assumptions about it and do create completely new circumstances that we have to struggle to deal with predicting. People betting on the endless large scale mechanised warfare between western powers continuing post nuclear weapons would have been very, very wrong for example. That time it actually was different, and this actually happens with surprisingly often in finance in ways people quickly bury in the memories and adopt to the new norm. Remember when public ownership of stock wasn't a thing? When bonds didn't exist? No mortgages? Pre insurance? These are all inventions and changes that did change the world forever and were genuinely different and have been ever since, creating huge structural changes in economies, growth rates and societies interactions.  As the endless aim of the game is predicting growth well, we often see people/groups over extend on one new thing, and/or under extend on another as they struggle to model these shifts and step changes.  Talking as if the fact that people do this consistently as if it is some kind of obvious thing we can easily learn from (or easily take advantage of) in the context of such a vague and complex problem could be argued to be highly naïve and largely useless. This time it is different. Last time it was too.
That's a really optimistic view of algorithmic trading and ML . ML is good at pattern recognition and finding new patterns (finding alpha), not at evaluating sources.    The algorithms are programmed to only try to improve returns within a given risk tolerance; it does not care whether the information is fake or not. If anything, it behooves the people (quants) who design these algorithms to utilize fake data and enjoy a free lunch at the expense of dumb retail investors.
Why do people buy them when they would be cheap to make for themselves? Convenience. While you could easily find some pictures and lay them out with a sentiment, buy some card stock, print in colour, trim it, and perhaps glue on some glitter or whatnot, and then find an envelope that fits it, it's likely to take you an hour or more to do so. And you'll invest far more than $6 on your printer and various inventories. I made cards for my kids- we had construction paper, glitter, coloured markers etc and there was no need for an envelope. But most people will find it quicker and simpler to buy one fully assembled. The cost of the online ones is weird I agree. Perhaps people are also not confident they can compose a good greeting? Why do stores stock $6 cards that they buy for $3 (retail markup is 50-100% and I'm sure it's closer to 100% for cards) when a different supplier might provide them for $2? Well, even if such a supplier existed, I'm sure the store would be happy to sell for $6 still (see: people buy them) so there would be no consumer impact. A store that sells cards for $5 isn't going to siphon customers from elsewhere because most of us just don't buy cards often enough for it to matter.  Why does nobody become that supplier who will sell them cheaper? Selling stuff is more expensive than making stuff, and getting your product into retail stores is hard. Hard means time and time means money and all of that contributes more to the card price than the ink and paper do. That said, dollar stores sell cards, for a dollar typically, and people do buy them. I find they have less colours and the artwork is cruder. Perhaps you even get what you pay for when it comes to design, layout, printing etc.
I think the debacle they are referring to for Facebook's IPO is the Nasdaq debacle.   Nevertheless, Wall St ripped off retail investors pretty good with Facebook's IPO.   * Step One: Hype up major online company * Step Two: Overvalue IPO * Step Three: Sit back and watch the money roll in * Step Four: Watch all those suckers take losses and maybe even short the stock to make more money.  * Step Five: Repeat with next IPO.   Just business as usual with Wall St, when will America ever learn?
That's good to hear. I got burned pretty hard, and would struggle to give them any more money. Plus I find GM seats and me don't get along.   But I'm glad that they are building something that seems quality again.
That's not how pension funds work. Individuals don't have their own account. They have a promise for a guaranteed amount of income. The money gets managed all together in one giant pool by professional investors. And these are the investors that the article is talking about.  They're not a bunch of billionaires refusing to invest idle cash. They're often bureaucrats in charge of sovereign wealth funds that are desperately trying to earn enough interest to meet their obligations. Taxing them more isn't going to help anything.
I don't think democracy leads to the things you describe. Most of those things you mention are rights and civil liberties that have been won over time through civil struggle. They didn't just come automatically because they were written in a bill of right.