vania-janet/multiturn-rag-retrieval-data huggingface dataset:
I went through this too. There's a safe-harbor provision. If you prepay as estimated tax payments, 110% of your previous year's tax liability, there's no penalty for underpayment of the big liquidity-event tax liability.  https://www.irs.gov/publications/p17/ch04.html That's with the feds. Your state may have different rules. You would be very wise indeed to hire an accountant to prepare your return this year. If I were you I'd ask your company's CFO or finance chief to suggest somebody.   Congratulations, by the way.
Its really not that hard to get.  Takes a month or two to study to pass it.  Realize though that if you are going to get the series, you are pegging yourself as a sell side roll.  If you are attempting to go buy-side, then you may want to look at different certifications (being a CFA level 1 candidate).  If you have time to burn though, get it, its a good education and a good intro to the world of finance and its not that hard to get.  Hope this helps.  Edit: also realize that if you do get it, and a company sponsors you, if you leave the firm, you have 2 years before the series expires, which means you gotta use it, or lose it.  As I recall, I may be wrong...but I have heard you can 'park' your series at a firm which will pay the FINRA / SEC fees for you.  But I believe they outlawed this practice.
If you're good with numbers and understand basic principles of accounting, I suggest using GnuCash - free and open-source accounting software which will provide for all your needs and more. If you're not so comfortable with self-service, many tax preparers also provide bookkeeping services. It can cost somewhere from $50/hour, and you should shop around and also look for references. The bookkeeper doesn't have to be the one to do your taxes, but it will probably make it easier on you to have the same person do all of it.
"You should read ""Financial Analysis for Management"" (Robert Higgins). It is short and explains things very simply from a high level perspective. This is especially valuable when you are explaining things to non-finance people.   Also, an analyst will want to develop quick ways for making estimations. Don't get too caught up in the tiny details, although they are enticing for problem solvers (I've made some over-complicated models myself). In the process, know which direction your short cut is biased, check other people's short cuts, where's the bias? Understand it. Understand how it may affect the outcome. Is it material? This will develop your ability to understand models.  BUILD MODELS. Pick up a 10-K. Build a simple model. Connect an Income Statement, Balance Sheet and Cash Flows. Update it, break it, fix it. Rinse &amp; repeat."
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Also - Engineering Disciplines (and CS) in most schools require different (more intense) math than the business degrees. The math requirements at UIC for Finance are different than those for CS. He could be taking math classes that, literally, do not count towards a CS degree.   Source:   http://www.cs.uic.edu/~grad/CSCurr-0214.pdf   http://www.uic.edu/ucat/07%20BA%20109-124.pdf
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"It looks like the HST will be in effect in Ontario on July 1st, 2010. As to whether it will replace GST with HST for all services, it looks like some sectors may get special treatment: Ontario may exempt mutual funds from HST (National Post). But it doesn't look final yet. However, I would suggest that most service-based businesses in Ontario need to prepare to start charging 13% HST instead of 5% GST. It will be the law. On the ""goods"" side of the new harmonized tax, it looks like certain goods will still be exempt from the provincial portion. Here's a quote from the Ontario Budget 2009 News Release: ""Books, diapers, children's clothing and footwear, children's car seats and car booster seats, and feminine hygiene products would be exempt from the provincial portion of the single sales tax."" Here's some additional information on the introduction of the HST, from the province: General Transitional Rules for Ontario HST. And finally, another interesting article from the Ottawa Business Journal: Preparing For Ontario Sales Tax Harmonization – It's Not Too Early UPDATE: I just received an insert from Canada Revenue Agency included with my quarterly GST statement. Titled ""Harmonization of the Sales Tax in Ontario and British Columbia"", it contains a section titled ""What this means for you"" (as in, you the business owner). Here's an excerpt: [...] All Ontario and B.C. registrants would need to update their accounting and point-of-sale systems to accomodate the change in rate and new point-of-sale rebates for the implementation date of July 1, 2010. The harmonization of the sales tax in Ontario and B.C. may affect the filing requirements of registrants outside of these two provinces. Registrants will report their HST according to their current GST filing frequency. As a result of the harmonization, there will be changes to the rebates for housing and public service bodies. More information will be released as it becomes available.
"If the value of these hard assets is significant you probably have them insured, and for significant art work you should have had them appraised as part of getting them insured. Therefore the process of adding them into the net worth calculation would be trivial.  Your goals should be a mix of liquid assets, and assets that are harder to sell, such as real estate. It should also include those items you are more reluctant to sell. In some cases these ""investments"" do need to be included in official calculations, such as applying for a student loan or financial aid, required financial disclosure statements for some government jobs, or applications for government assistance."
Did a little bit of digging, and found this article, from Staples High School in Westport, Connecticut.  Hopefully this will be a growing trend.  They say: A personal financial management class will now be offered at the beginning of the upcoming school year (2011-2012). According to the course catalogue, the focus of this course will be using mathematics as a tool in developing financial literacy skills. Topics covered in the course will include: earnings, banking, credit cards, loans, taxes, insurance, investing, loans, budgeting, and buying personal property. “In a perfect world, everyone would be required to take a personal finance course,” Principal John Dodig said.
Finance and accounting go together like peanut butter and jelly. Having said that, you really should (read: need [to]) determine what part of finance you're interested in, because that's the only way to give you an informed answer as to whether you should pursue a CPA / CFA / MBA.  With all of that in mind, your post -- in my opinion -- really comes across as you sounding like you don't want to put in the work to pass the CPA. If that's the case, finance is *really* not the field you want to be in.  Lastly, experience is not a substitute for having your CPA license, but rather a compliment.
I was recently at the National Physical Laboratory in the UK and discussing exactly this.  By January 2018 financial institutes will be legally required to time stamp all transactions (including high frequency trades) with a UTC time code.  Today this is almost exclusively done using GPS satellite time and as the OP states - these can be spoofed but also are vulnerable to certain weather conditions.  One of the many innovations of NPL in their recent diversification includes sending ‘time’ into the city by  optical fibre which is ‘gold standard and cannot be tampered with’.  Very interesting topic ( I thought )!
You can get a degree in [Financial Engineering](http://www.ieor.columbia.edu/pages/graduate/ms_financial_eng/index.html)  Since you're interested in being a equity analyst and took the CFA, you appear to be on the path to be a Financial analyst which will help you in achieving what you want.  You should check out Think or Swim and their Prodigio add on. Allows you to create your own algorithm and run backtest with it.
In your situation I suggest: In terms of what to spend it on, one tax preparer I knew said he would ask his wealthy clients (ones with real net worth) what they spent their money on, and it was almost always travel.  We agree, memories from our trips are ones that last a lifetime.  I can't say much else you buy gives you the same long term payback in your personal life.
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It depends what area of finance, but an ivy league education is not *required*. A good school, probably, but the best thing you can do for yourself is go through the internship program at a bank or financial institution (usually after junior year, but you find the occasional sophomore). There are often many job offers to those that complete it well, and if not, you apply to other firms with your internship as your backing. It would help to know what Gyroisabot asked and know what area and what school you went to.
FTB consistently researches LLCs, S-Corporations and the like to determine whether they've been organized out-of-state but still principally operated in California, thus having a tax nexus with California and the subsequent requirement to be filed in California and taxed by California. No one likes paying taxes, and no one wants to get hit with franchise fees, especially when one is starting a new venture and that minimum $800 assessment seems excessive (in other words, you could have a company that earns nothing, zero, zip, nada, and still has to pay the $800 minimum fee), but the consequences of shirking tax laws and filing requirements will make the franchise fee seem trivial in comparison. If you're committed to living in California and desire to organize an LLC or S-Corp, you must file with the state of California, either as a domestic corporation/LLC or foreign corporation/LLC doing business in California. The only alternatives are being a sole proprietor (unincorporated), or leaving the state of California altogether. Not what you wanted to hear I'm sure, but that's the law.
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"This is the best tl;dr I could make, [original](http://thehill.com/policy/technology/344410-feds-eye-crackdown-on-digital-coin-investments) reduced by 89%. (I'm a bot) ***** &gt; At issue are initial coin offerings, where new companies or smaller projects seek to crowdfund - or raise investment funds from the public - through crypto online currencies.  &gt; In their report, the SEC warned investors to make sure a coin offering is registered properly if it is a securities exchange, and to learn about their rights and level of control, as well as to understand potential cybersecurity threats.  &gt; &amp;quot;They&amp;#039;re the right people to look at it this sort of thing, says Peter Van Valkenburgh director of research at Coin Center, a research and advocacy group focused on digital currencies.&amp;quot;Creating token and selling them is like selling portions of businesses.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6qotdi/feds_eye_crackdown_on_digital_coin_investments/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~179906 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **coin**^#1 **SEC**^#2 **currency**^#3 **offered**^#4 **security**^#5"
Until we get free returns from all online retailers, I am still shopping at malls and physical stores. Some stuff just doesn't fit you and retailers don't offer enough measurements to really do you justice. The most important thing in clothes is fit, and you have to try something on to validate that.
You're completely missing the most important thing you can do: minimize fees.
sure, and I'm happy they're getting paid more... this is important work. people shouldn't have to scrape by just because it's not the most desirable career.   but saying that increase in cost won't affect an increase in price and that average people will be better able to afford higher construction costs is misleading.   just because construction workers have more money in their pockets, doesn't mean the average person will have more as well.
When they interviewed the participants, they found that the one common thread was basic needs. As long as their basic needs were being met, the most important thing to them was that they were part of something bigger and were contributing to society. &gt; My high school spent tens of thousands of dollars on Macbook Pros and iPads the same year they started having these ""big"" paper shortages. I agree - straight dollars do not equate to good education. After all, we pay more per student that most countries, yet [lag many western nations](https://www.nsf.gov/nsb/sei/edTool/data/highschool-08.html). I want you to notice something - every one of those nations at the top of the list has a strong *nationalized* school system. Not one of them has a privatized school system as the basis of their education program. Matter of fact, if you look at many of today's most prominent inventions - they have their foundation in government led R&amp;D. Commercial does a great job expanding on government built foundations. Like Elon Musk has done with the space program. It is almost as if people want government, and want it to provide the foundation so that they feel safe building onto that foundation."
&gt; Securitize the mortgages and sell them off to hapless clients.  to expand on that, these loans were being packaged with 100s of others and sold to investors who could not possibly be bothered with examining each of the properties or borrowers.  They were sold for decent fees to the bank, and if the bank sold them all, had no risk, and pocketed fees from both ends.  The banks needed as many loans as possible because they thought they could sell them all.  The significance of this admission isn't so much that it was always ridiculous that the illiterate and unsophisticated were taking advantage of banks generosity, but that they can no longer say the ridiculous with a straight face.
The problem is that when the mortgages were securitized they did it in such a way as to make checking them impossible. The security wasn't based on one mortgage or even dozens of them, but hundreds of them. Good and bad, all mixed together.  Making matters worse, each security wasn't even dealing with whole mortgages, just fragments of them.  It was a true nightmare.
&gt; — December 2008: Citi agrees to repurchase $7 billion in auction-rate securities it sold with the SEC for telling investors they were safe when it knew they were deteriorating. The SEC makes **Citi promise not to break the law it made Citi promise not to break again back in 2001, 2005, and 2006**  *slaps citi*  that's a BAD CITI !  you promise not to do it again, m'kay ?  citi : evil grin ''yes master''
Well sure, but instead of credit card receivables, car loans, etc, the underlying assets are other ABS/MBS/CLOs...so it's an order of magnitude more securitization. And those aren't happening anymore. ABS is definitely active though, and it's a good thing too!
&gt; When the headline is all that someone sees before reading the story, it's important to state explicitly the affected parties. Consumers and businesses are not the only possible parties given a regulation concerning lawsuits.  That's what you wrote, and what my reply is based on.
So you have to be a science and math whiz to research the most important financial decisions of your life?  Business and Comp. Sci. Did finance. Left to go into education and entrepreneurship. 10+ years working with high risk youth in higher education.  Voted for Obama.  But go ahead and be intellectually lazy and put everyone in a nice box. Makes thinking easy for you I suppose.  Voted for Obama.
"That's just his base salary for last year.  Keep reading in the article: He also received $1.6 million worth of securit[ies]. Plus, he's probably earned plenty in salary, bonuses, and other compensation in previous years to more than keep up his lifestyle.  He can also sell (relatively) small amounts of the stock he already owns to get millions in cash without raising an eyebrow. how are people able to spend more than what they make, without going into debt? Well, people can't spend more than they have without going into debt. Certainly money can be saved, won, inherited, whatever without being ""earned"".  Other than that, debt is the only option. That said, MANY ""wealthy"" people will spend WAY more than they have by going into debt.  This can be done through huge mortgages, personal loans using stock, real estate, or other assets as collateral, etc.  I don't know about Bezos specifically, but it's not uncommon for ""wealthy"" people to live beyond their means - they just have more assets behind them to secure personal loans, or bankers are more willing to lend them unsecured money because of the large interest rates they can charge.  Their assumption is presumably that the interest they'll pay on these loans is less than the earnings they'll get from the asset (e.g. stock, real estate).  While it may be true in some cases, it can also go bad and cause you to lose everything."
Let me start out by saying I know your pain. One of the most important things to do is have the basics in stock in your larder. They are the sorts of things that keep well, and you can make great simple meals from them whenever, without having to worry about them going off in a matter of days.  A simple inventory like this - http://www.thesimpledollar.com/2006/12/06/the-well-stocked-kitchen-staple-foods-you-should-always-have-on-hand/ - can make a big difference. (This list is good, but check the comments for additional suggestions. There are a few extras that commenters reckon you should have and I think they are right - I certainly have more than just what's on that list.) And remember - frozen veg may or may not be as nutritious as fresh, but they are better than nothing.
The institutions suck up the money and leave bewildered poor people holding the bag, now even poorer with nothing to show for the debt they will literally be digging out of forever. The Obama administration FINALLY took some steps to control the predatory for-profit institutions and try to sort out who had been ripped off vs people who had genuinely received any useful education, but of course the new Sec of Education is doing her best to roll all that back. And most of the victims aren’t teens either. They are adults with kids who were trying to do something to better themselves and their lives and got screwed over. Some of these middle aged people will literally be having their Social Security garnished to pay for these loans. It’s disgusting, and even more so to say it’s all affirmative action.
You're comparing apples and oranges. This states that they export more GASOLINE than they import GASOLINE.  To answer your question, it's because of geography. New York might buy refined gas from Quebec (hypothetical) while Washington state exports to BC. North America is huge, so transport is an important factor.
John Marshall Roberts is a bestselling author, a social scientist, and the CEO of Worldview Learning. He has crafted his career around converting corporations and communicating with cynics. In his opinion, empathy is the single-most important skill in business today.  Through strategic communications and values-based messaging, Roberts has made it his mission to help leaders develop the empathy skills required to inspire common vision.  For the last several years, he has used his knowledge of systems theory and developmental psychology to enable socially conscious marketers, business leaders, and activists to win over objectors and inspire radical collaboration.  More and more, savvy business leaders are following his example...
"This is the best tl;dr I could make, [original](http://www.imf.org/en/Publications/WP/Issues/2017/09/29/Interconnectedness-of-Global-Systemically-Important-Banks-and-Insurers-45223) reduced by 58%. (I'm a bot) ***** &gt; Interconnectedness among global systemically important banks and global systemically important insurers has important financial stability implications.  &gt; This paper examines connectedness among United States, European and Asian GSIBs and GSIIs, using publicly-available daily equity returns and intra-day volatility data from October 2007 to August 2016.  &gt; Lastly, the paper demonstrates significant influence of economic policy uncertainty and U.S. long-term interest rates on total connectedness among systemically important institutions, and the important role of bank profitability and asset quality in driving bank-specific return connectedness.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/73blof/imfinterconnectedness_of_global/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~219245 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **connectedness**^#1 **important**^#2 **among**^#3 **paper**^#4 **GSIBs**^#5"
In 20 years who will give a shit, what seems important now is Morgan &amp; Stanley's repeated buy calls for an obliviously failing economy, that is plagued by deep defaults and half baked Central Bank decisions more targeted towards political win points than economic stability and growth.  It is obvious Morgan is getting a little shrill, whats the exposure and whens the Margin calls sweetums? cause nobody is buying  and you are stuck with it
Digital records are fine, but record-keeping practices are important. Be consistent.