vania-janet/multiturn-rag-retrieval-data huggingface dataset:
You have four basic options.
They will credit your account and it will be applied to future purchases. If the credit card is not used for several months, they will send you a check or transfer it to your bank account. Some people on this site have actually considered sending money to the credit card company in advance, so that the amount that can be charged is temporarily inflated. Keep in mind they will eventually refund the money. Plus you will not earn interest on the refund.
Boss: We found you were taking orders without a credit card.  Me: The system won't allow you to save an order without a credit card. (it won't)  Boss: Well, we have you on tape taking orders without a credit card.  Me: That is literally impossible. Show me the orders and the call.  Boss: I don't have to do that.  (choice words by myself before I quit on the spot without letting him have any more words, it was my first temp job)  They wanted to lay people off without paying unemployment. I had three other offers waiting for me at the time. Double irony, when I went to pick up my last check, they begged me to stay (because I could take reservations faster than your mama) and said I would only be laid off for a week. This was the company Reserve America in the 90s.  *****  Boss: Well, you worked here for 2 years and you could become a manager.  Me: Thanks, but this is something I have to do.  Boss: Ok, good luck little man.  (left to join military)
Reports -> Income & Expense -> Cash Flow Options -> Set Start Date/End Date to match billing cycle -> Accounts -> Clear All -> Select Credit Card only -> Money Out To adjust Refund and Chargeback, you need to cancel out with Money In items except Bank.
It sounds like you want to lock-up your money in something relatively safe, and relatively hard to touch. You may want to consider a GIC (TD has one I found in a quick search) - from what I see it's the closest thing to a US CD. You won't get much back, but if you pick a 5-year term, you can't spend it* easily. Other options might be to buy an ETF, or get into REITs - but that will depend on your risk comfort. Also - to add from the comment Rick left - be sure to pay off any high-interest debts: especially if they're on a credit card, it will help you later on. * easily .. you can withdraw, but there're generally penalties
You might want to just keep it in cash. For one step further you could do an even split of USD, EUR and silver. USD hedges against loss of value in the euro, precious metal hedges against a global financial problem. Silver over gold because of high gold:silver ratio is high. You could lose money this way. There are some bad things that can happen that will make your portfolio fall, but there are also many bad things that can happen that would result in no change or gain. With careful trades in stocks and even more aggressive assets, you could conceivably see large returns. But since you're novice, you won't be able to make these trades, and you'll just lose your investment. Ordinarily, novices can buy an S&P ETF and enjoy decent return (7-8% annual on average) at reasonable risk, but that only works if you stay invested for many years. In the short term, S&P can crash pretty badly, and stay low for a year or more. If you can just wait it out, great (it has always recovered eventually), but if some emergency forces you to take the money out you'd have to do so at a big loss. Lately, the index has shown signs of being overvalued. If you buy it now, you could luck out and be 10-15% up in a year, but you could also end up 30% down - not a very favorable risk/reward rate. Which is why I would hold on to my cash until it does crash (or failing that, starts looking more robust again) and then think about investing.
It's not losing either of those. In both areas there is potential for damage arising from Brexit, but it remains to be seen how bad this will be. London will remain the largest financial centre in Europe for the next decade regardless of the outcome of the negotiations.  If the City gets a good deal, it will remain the financial capital of the world.
"Living in the Netherlands. Laws are being changed (""reforms"") that lead to the same problems facing the US. Labour markets becoming more and more flexible, following the Anglosaxon model. Wages aren't rising, because low wages are more competitive. Cheap labour from Eastern Europe lead to lower productivity gains (who needs a machine when there's cheap migrants who don't know their labour rights?) and lower wage competition.   The ""last man standing"", France, is now turning to economic liberalism too, thanks to Macron. They have to, otherwise they will become less competitive. They didn't have to if the rest had good labour standards/productivity/wages, too."
"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-eu-defence-juncker-idUSKBN1900UR) reduced by 81%. (I'm a bot) ***** &gt; Two days after unveiling a multi-billion euro plan to help fund European defense research, Commission President Jean-Claude Juncker said it was time to integrate militaries and defense industries, seizing on the strong backing from France&amp;#039;s new president and Britain&amp;#039;s decision to leave the bloc.  &gt; NATO broadly supports EU defense integration, as 22 EU states are members of the U.S.-led alliance.  &gt; EU leaders will discuss broad European defense plans, first put forward by France and Germany following Britain&amp;#039;s EU referendum a year ago, at a summit on June 22-23 in Brussels.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6g8mx4/warning_of_us_desertion_eu_chief_calls_for/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~140171 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*: **defense**^#1 **States**^#2 **Juncker**^#3 **European**^#4 **military**^#5"
"I think you missed the first two paragraphs of the article. It's raising the prices in some countries in Europe due to local tax increases, and in addition to that it's changing the currencies used in the countries you listed.  The only thing about the title that may be considered ""misleading"" is the use of ""across the word"" instead of ""across Europe""."
"This is the best tl;dr I could make, [original](https://www.ecb.europa.eu/pub/pdf/scpwps/ecb.wp2073.en.pdf) reduced by 99%. (I'm a bot) ***** &gt; Inflation Housing Demand + 0 + + 0 0 Mon Pol  +  + 0 0 Loans Supply Lend Rates 0 +  0  + A. Supply A. Demand +  + + The first column lists the endogenous variables of the VAR, which react to the shocks reported in the first row: housing demand shocks, monetary policy innovations, shocks to the credit supply, aggregate supply and demand shocks.  &gt; The patterns used to distinguish aggregate demand and supply shocks are commonly used in the literature, we are able to discriminate house prices shocks from loans supply and lending rates shocks on the ground of economic theory.  &gt; In Spain, in the absence of other shocks, if the growth rates of real consumption had been driven exclusively by housing demand shocks, they would have been largest around 1995 and 2004, and lowest in 2012.18 The cumulative effect of housing demand shocks is rather muted in the remaining countries.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6gxbr4/ecb_house_prices_and_monetary_policy_in_the_euro/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~142717 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*: **shock**^#1 **price**^#2 **House**^#3 **housing**^#4 **policy**^#5"
Hyperinflation doesn't mean armaggedon. There have been hundreds of fiat currencies that have ended in hyperinflation i.e. wiemar republic (which the germans fully recovered from in less than 10 years before trying to take over europe).   Most all pawn shops buy gold/silver, especially during hyperinflation will people be buying gold/silver. You can't have hyperinflation without demand of commodities going through the roof, that is the driver of inflation. When this happens you can be gauranteed people will buy your gold/silver.  In the Wiemar republic, some people bought gold/silver for 1/10,000,000 what they sold it for. But they still lost 99% of their value because the mark still devalued another 1,000,000 times. Because of this, many people aren't even looking to sell it, until they absolutely need it's value. I.e. it's a piggy bank.   The best way to deal with a gold/silver stash is to hide it, you can't steal what you can't find. There's a reason pirates are famous for burying their stuff, when they don't have the law on their side.
"You do realize the financial state of most older airliners, or the top guys has dramatically decreased since 2001. In fact many are on the verge of collapsing all together, American took a 3-4% drop to their overall gains this last quarter. The security measures have in itself added another problem to the entire air industry and just created a larger stigma as to why flying in US airports is bollocks.    If you think the US state department asked the airlines anything, you must be a little off on your politics. Anything NSA has their hands on won't ever ask cooperating parties what they think. Which again has been a dramatic reason as to why so many ""security"" orientated implementations since 2001 have been nothing but an extreme drain on already wobbly financial situations.   This tax could be the straw that breaks the camels back and some airliners may fold under or just stop going to those locations and charge more for international flights."
All this speculation and no one really has the right idea what's going on. It has almost nothing to do with VAT and nothing to do compliance. [It has everything to do with a very a chronically weak Euro.](https://www.google.com/finance?client=safari&amp;rls=en&amp;q=eur&amp;oe=UTF-8&amp;um=1&amp;ie=UTF-8&amp;sa=N&amp;tab=we)  Apps in the App Store are tied to tiers. My app sells at tier 10. For USD, this means I sell my app for $10 and make $7 after their cut.  Tier 10 used to translate to 7,99€. Now it's 8,99€. This means before the hike I, as an American, would get 4,79€ or $6.19 after the exchange.   This wasn't a problem back when the app store opened. The economy was relatively strong and the Euro stood around 1.5 to one American dollar. This means in 2008 I'd get about the same $7 after the conversion. With the Euro crisis, the tiers remained the same which meant each European sale only netted around $5.75, a $1.25 discount for each European.  The Euro conversion was a long standing issue and the price hike restores the exchange back to the $7 dollars it used to be.
"This is a speculative question and there's no ""correct"" answer, but there are definitely some highly likely outcomes. Let's assume that the United States defaults on it's debt. It can be guaranteed that it will lose its AAA rating. Although we don't know what it will drop to, we know it WILL be AA or lower.  A triple-A rating implies that the issuer will never default, so it can offer lower rates since there is a guarantee of safety there.People will demand a higher yield for the lower perceived security, so treasury yield will go up.  The US dollar, or at least forex rates, will almost certainly fall. Since US treasuries will no longer be a safe haven, the dollar will no longer be the safe currency it once was, and so the dollar will fall. The US stock market (and international markets) will also have a strong fall because so many institutions, financial or otherwise, invest in treasuries so when treasuries tumble and the US loses triple-A, investments will be hurt and the tendency is for investors to overreact so it is almost guaranteed that the market will drop sharply. Financial stocks and companies that invest in treasuries will be hurt the most. A notable exception is nations themselves. For example, China holds over $1 trillion in treasuries and a US default will hurt their value, but the Yuan will also appreciate with respect to the dollar. Thus, other nations will benefit and be hurt from a US default. Now many people expect a double-dip recession - worse than the 08/09 crisis - if the US defaults. I count myself a member of this crowd. Nonetheless, we cannot say with certainty whether or not there will be another recession or even a depression - we can only say that a recession is a strong possibility. So basically, let's pray that Washington gets its act together and raises the ceiling, or else we're in for bad times. And lastly, a funny quote :) I could end the deficit in 5 minutes.   You just pass a law that says that   anytime there is a deficit of more   than 3% of GDP all sitting members of   congress are ineligible for   reelection.   - Warren Buffett"
Might be able to replace, but at what price? There was a reason why people bought products from EU/US - it had the correct quality/price ratio. Now with the new imports you will either (1) lose on quality or (2) face an increase in pricing. Either way regular Russians are going to bear the brunt of it, not the oligarchs running the show. Say high to increased inflation, reduced GDP expectations and damaged international relations.
Talk to me all you like about Europe's destroyed industry from WW2 but the simple fact is that the maxim of 'save during booms' and 'spend during busts' created more jobs and helped more economies that you can name. Thanks to political expediency, however, and apparently Reagan, the US at large seems to believe that anything even approaching left-wing politics (and for the purposes of this argument that includes healthcare and, y'know, not caring what or who a woman puts up their vagina) is anathema. It simply isn't accepted, and decried as 'socialism' by any opponents. These arguments and these debates literally don't make any fucking sense to the rest of us. Not even a little bit. Abortion, gay marriage, legalizing marijuana, *NOT* invading other countries. These issues are settled for the vast, vast majority of us. It's fucking insane to us that they aren't for you. In fairness it is, however, because of your politics that you can't do any of these things. You are a nation of three hundred and fifteen million. It can't be expected of you that you have a consensus on these issues. But what gets us is that you never fucking try. We have the European Parliament, imperfect though it may be. It still gives us a voice in issues as basic as gay marriage or abortion. We aren't in permanent deadlock over things as unimportant as this. I don't mean to paint Europe or anywhere else as some kind of paradise. Just that companies in Europe seem to just not care; companies in the US seem to be out to try and actively fuck you. Quick edit: holy shit that was a long reply, don't bother reading it. TL;DR: Companies don't give a shit if they fuck you or not unless market conditions
"Great writing, Ellen Brown. I wish the Argentinians all the best in stinging the vulture funds and doing a successful end run on the IMF. Clearly, Argentina is not the bad guy in all this, despite some people trying to make them appear as such, by regurgitating the convenient Financialese spin.   On a different note, there is an interesting history lesson concerning the Baring Bank Economic Crisis of 1890 related to or rather caused by poor Baring Bank investments in Argentina, which were so massive that the debts had to be bank rolled by the British Government since, as is has become usual ever since, it threatened to bring down the hole (British) financial system which was then the world's debtor of last resort. ""Plus ça change, plus c’est la même chose"", etc."
"No. Rural Scotland has exactly the same monetary system, and not the same bubble. Monaco (the other example given) doesn't even have its own monetary system but uses the Euro. Look instead to the common factor: a lot of demand for limited real estate. Turning towards the personal finance part of it, we know from experience that housing bubbles may ""burst"" and housing prices may drop suddenly by ~30%, sometimes more. This is a financial risk if you must sell. Yet on the other hand, the fundamental force that keeps prices in London higher than average isn't going away. The long-term risk often is manageable. A 30% drop isn't so bad if you own a house for 30 years."
The middle class in Europe is much poorer than statistics would reveal. Why? Because despite higher marginal income tax rates, taxation in Western Europe is highly regressive. Low and middle class Europeans have to pay a lot more for energy &amp; consumer goods than Americans. Quite frankly, that's what matters to most people in life. Stuff. Big cars, big houses, a closet overflowing with clothes, the latest gadgets, etc. Even poor Americans have all that. Most Europeans don't.
If you plan to stay in Europe for some time, then you should match your income currency with your liability currency, and so should use the Euro loan to pay off the INR loan, thereby eliminating the currency risk that you currently bear every time you convert Euro into INR to pay down the loan.  Plus, you have a much lower interest rate.  So, do it !
"[What does the West hope to achieve in its showdown with Russia over Ukraine? An increasing number of articles have appeared recently arguing there is no long-term strategy and that the US and EU are being sucked into a destructive ""sanctions spiral"" that will only deepen the misery of Ukrainians, and is already beginning to hurt the wider economic recovery in Europe.](http://www.bne.eu/content/moscow-blog-west-has-no-end-game-plan-ukraine)  - Ben Aris in Moscow"
In the US ...  In Europe we act as if workers are people not a commodity to be prices as low as possible. We remember one of the reasons states exist is to promote the welfare of its citizens. Which implies good medical care, plentiful paid vacation, maternity leave, etc.  Humans are not there to serve Capitalism, but the other way around.  The US definitely forgot this.
As much as you would like to believe in American exceptionalism, I am afraid it is has come to an end. The Jews you love so much have taken over your government and sucked it dry, all you have is debt between your Treasury and your Jewish Fed. They will tax what little you have left. And then eventually history will replay its self in its inevitable cycle.  What does America export, beside financial goobly gook and weapons, little else that is not made cheaper and better every where else and thats why you have a trade deficit. You can't even build a decent fucking car anymore.  Your youth is no longer educated and your nation is now perpetually so stoned they don't have a fucking clue what is happening around them.  You are involved in wars you cannot win, paying with money you do not have, trying to destabilize the Middle east and Muslim countries because the very same Jews that have infested you Political and economic system  want to annex more land.  You have no moral , religious, social or ethical structure left, in fact you no longer know whether your children should grow up as men or women or neither or either.  Every world leader is laughing at you and openly making fun of you and now that you are exposed as supporters of ISIS and ISIL and whatever you want to call them, are leaving you and your alliances.  Your government is openly corrupt and takes bribes from lobbyists and in the end the Biggest fucking moron that your country could produce has been installed as your president, regardless of who you voted for or wanted.  Your President has only one fucking skill, declaring Bankruptcy and that is why he was chosen, to first insulate the Global economy from your Fed driven soon to be hyper inflated dollar and then bring the abomination straight down in another controlled demolition.  You think you are coming out of this  . . . .now that is wishful thinking
"This is the best tl;dr I could make, [original](https://thenextrecession.wordpress.com/2017/06/23/europes-crisis-the-cluj-debate-with-mark-blyth/) reduced by 97%. (I'm a bot) ***** &gt; If profits are the result of the exploitation of labour power and not merely the result of the distribution of production between wages and profits, then it is profits that matters for capital, not wages.  &gt; Rising profit margins show capital is making bigger profits; but that can still mean overall profitability is falling.  &gt; If the euro crisis and the Great Recession were the product of wage compression and too much credit, then the solution for the EU project may just be better taxation of profits, more wage increases and public spending.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6m5rme/europes_crisis_the_cluj_debate_with_mark_blyth/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~162726 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*: **profit**^#1 **wage**^#2 **capital**^#3 **profitability**^#4 **Euro**^#5"
*The Economist* is one of the most virulently Russophobic magazines in the world. Edward Lucas, who heads up their Eastern Europe dept, is pure flake.  Schulz spoke at a public conference in Europe. No doubt there is a transcript posted somewhere online. No doubt the Russians published this first because their interests are most directly affected. No doubt more will be written on it but I only saw once that the EU admitted they messed up on the Ukraine Association Agreement by not dealing with Russian business interests in the work. They have since set about remedying that fault with Russia and Ukraine.  It is no secret Europe is hurting from the Russia response to western sanctions and it is no secret that Russians are prepared to pay the price because they want it known that just like John J Mearsheimer writes, [**the Ukraine Crisis Is the West’s Fault.**](http://www.foreignaffairs.com/)
I agree with buying gold, as this is truly the worldwide currency and will only increase in value if the Euro fails. The only issue will be if your country confiscates all citizen's gold ( it has happened many times throughout history.  As for ETFs, be careful because unless you purchase these in terms of other currencies (I am assuming you aren't), than the ETF you own is still in terms of Euros, making the whole investment worthless if you are trying to avoid Euro currency risk.
"This is the best tl;dr I could make, [original](http://www.politico.eu/article/schulz-to-trump-dropping-paris-agreement-means-no-trade-talks/) reduced by 49%. (I'm a bot) ***** &gt; Germany&amp;#039;s challenger for the chancellorship, Martin Schulz, vowed Thursday to retaliate against U.S. President Donald Trump&amp;#039;s potential withdrawal from the Paris climate agreement by refusing to engage in transatlantic trade talks. &gt; Referring to trade negotiations with the U.S., which ran until the end of last year but are now on ice, Schulz said it would be impossible to grant better market access to the U.S. if it did not respect climate protection rules. &gt; &amp;quot;If the U.S. drops out of the climate agreement for European trade policy, this means that American production sites don&amp;#039;t need to abide by the climate goals,&amp;quot; said the Social Democratic candidate, who was speaking at the WDR Europa Forum in Berlin. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6evbt7/martin_schulz_to_trump_dropping_paris_agreement/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~134917 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."