vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Bingo. Measuring income is an ignorant approach. Buying power is the only thing that is important.   If the $14/hr minimum wage nonsense ever actually happened, all the reports would be on how awesome it is that some small percentage of people are making more money. What won't be reported right away is how all people (include those minimum wage workers) have significantly less buying power thanks to the significant inflation created by $14 minimum wage.
What do you think Proposition 13 was in California?  It was a protest against property taxes that where paying for the California State education system, at the the time, one of best in the world, providing State funded education from kindergarten to University.
I've grown up and lived in California almost my whole life. I pay taxes.   Our system is horribly corrupt and built to empower big property owners. Young couples tend to pay many times higher taxes than older people who are living in comparable homes. Proposition 13 was pushed through by landlord associations. If we did away with it an replace it with a fair and equitable system we could solve many of our funding problems.
There is still public education in California, even if it is declining.   Single payer healthcare can also run into the same issue or declining funding.       Prop 13 in California is a disaster, enriching the elderly at the expense of the young.   Millennials copped it twice, with lower quality education through schooling AND now no affordable housing for their families, due to boomers not moving out of enormous housing due to taxes.
This is well-written and important. I worked at a newspaper (and helped launch a TV station) 1997-99 when the web was really taking off, and have watched the resultant waves of RIFs that even now continue to overtake my friends and teammates.  Music, movies, books, media...it's all up for grabs.
The average home in San Francisco is about $1.3 million.  So yes, millionaires.      Prop 13 is generationally discriminatory.  It is terrible tax policy.        If you want to lower property taxes, then make that case.   Making taxes cheaper for older residents than younger irrespective of their socioeconomic situation is just dumb tax policy.  It benefits the rich, to the detriment of the poor and middle class.
"&gt; I'm not aware of anyone making a screening tool that can integrate all of these things simultaneously. What is the best environment to create a tool like this?  Everyone has one but they're all proprietary. Most common new stuff I've seen in the HF space are C# or Python. R is growing significantly in the space, but it lends itself to one-off data analysis better than writing large applications that have to do a lot of other ""stuff"", where Python's module universe is more exhaustive.  Everyone is going to recommend whatever languages *they* are comfortable with, but the correct answer is probably whatever *you* are most comfortable with."
"Yeah, but they like it like that.  If you really want to see how badly we have been lied to watch:  13th.  The title of Ava DuVernay's extraordinary and galvanizing documentary refers to the 13th Amendment to the Constitution, which reads ""Neither slavery nor involuntary servitude, except as a punishment for crime whereof the party shall have been duly convicted, shall exist within the United States."" The progression from that second qualifying clause to the horrors of mass criminalization and the sprawling American prison industry is laid out by DuVernay with bracing lucidity. With a potent mixture of archival footage and testimony from a dazzling array of activists, politicians, historians, and formerly incarcerated women and men, DuVernay creates a work of grand historical synthesis.  Watch [13th](https://www.netflix.com/watch/80091741?trackId=13752289&amp;tctx=0%2C0%2C1870540d3b211ad4e4609c81764d151ef14a23f0%3A0904e12b52de6ca627db4df50a14ce04ce2d354c) on Netflix to see where this all has led."
I believe that kind of micro-tuning for every participant would make the operating costs of the fund intolerable. A better approach, if this is important to you, would be to find a fund or funds designed for people who share your criteria. If the goals and criteria aren't mutual, a mutual fund -- traditional or ETF -- is probably not the right tool.
I feel sort of conflicted here... literally every pair of shoes I own is a size 13, and they all fit perfectly.  Every pair of shoes I've owned for the past 15 years has been a size 13... I've seen nothing but consistency in this.  Is there a difference perhaps in womens sizing, or what gives?  My own life experiences just dont match what you're saying at all :/  At least as far as length goes... maybe everyones just varying levels of fat and its a width issue for them ¯\\\_(ツ)_/¯
Income tax write off idea would be difficult in California with prop 13 in place. Also, the current legislature would find some way of jumping on its coat tails to impose even more taxes and fees. And current homeowners would oppose it seeing as property values would drop.  Still though, getting the foreign money out of the market would give people a fighting chance at homeownership in the areas they want to buy in.
"And Trump is getting ready to waste more.  And the War On Drugs ain't helping a bit either.  Please watch this and share this with everyone you know.  It is on Netflix and it is [13th.](https://www.netflix.com/watch/80091741?trackId=13752289&amp;tctx=0%2C4%2C8b34579d87db4a3f03db3becf7005998b237deea%3Af794d9d3c059e15c3795028bef1ec83fee8b3bec)  It explains everything you need to know about the US ""Justice"" System."
"Yelp is a plague upon this earth, especially for small business owners.   I'd say it's symbolic of a flawed, cancerous line of reasoning that is somehow making its way even into the health care system as well as other sectors of business. That is: survey feedback.  Don't get me wrong; consumer/customer feedback is important. But, one has to take into account that usually only people with poor experiences tend to voice loudly, so results become skewed on the spectrums of consumers. Furthermore, many reviews are simply insane -- i.e. biased experiences due to a bad day, another customer, or something else entirely unrelated or unreasonable to their experience. Don't even get me started on peoples' bias towards Asian restaurants that aren't galvanized into PF Chang's style service.   Why the fuck do people go to MBA programs if they're going to put so much stock into such ""ratings"". It creates needless stress while providing a poor lens for understanding things. At best, it's a tool not a religion. At least, I presume people running the business end of hospitals are MBAs.  The customer is always right is only true insofar as how you treat them at the time of service. Secondly, reviewers aren't always right."
Here are the stats from a [non-Swedish source](https://en.wikipedia.org/wiki/Crime_in_Sweden): Crime is up a lot. Why? One quote: ""**In januray 2017, the the Löfven Cabinet denied the request from member parliament Staffan Danielsson to update the BRÅ statistics on crime with respect to national or immigration background of the perpetrator, as had previously been done in 1995, 2005 but the 2015 was overdue.**"" &gt; Your Right about the nazis though. Ignoring isn't helping. Sadly I have other fights to fight ... You have other more important fights? Like to fight ""haters"" of Muslims? Anyway, my question was: &gt; **As you know, Nazis hate Jews despite Jews being one of the best and most contributing groups in society throughout history. Would you defend Jews being criticized by Nazis? If you do, do you realize what you just did?**"
Canada used to lack an answer to Roth IRAs, but the introduction of TFSAs took care of that. Mortgage interest deduction: US wins here as mortgage interest is not deductible in Canada. Marriage penalty: US wins. Canadian tax returns are of single or married-filing-separately type. So if you have one working spouse in the family or a big disparity between spouses' incomes, you can save money by filing a joint return. But such option is not available in Canada (there are ways to transfer some income between spouses and fund spousal retirement accounts, but if the income disparity is big, that won't be enough). Higher education: cheaper in Canada. This is not a tax item, but it's a big expense for many families and something the government can do about with your tax dollars. To sum it up, you may face higher or lower or about the same taxes after moving from US to Canada, depending on your circumstances. Another message here is that the high-tax, socialist, investment-unfriendly Canada is mostly a convenient myth."
So is that a yes or 'yes', I'm confused by the quotes.   There are very real differences among races. Why are they important? Because one race has found themselves to develop third world impoverished nations while other races have thrived. I feel like that is well worth exploring both why and how.
"No man, I looked at this from an ""I myself was the victim of this supposed injustice"" perspective, and never did I feel entitled to more. We were fine with what we had but we wanted more and knew we would have to work very hard to get it. A favorite quote: If it is important to you, you find a way. If not, you find an excuse"
&gt;Oil is important because without it US can't go to war  That's may be a reason but its far from the main one. Without oil the whole economy shuts down instantly. People can't get to work or stores to buy stuff. We can't run diesel peaker plants for electricity demand as easily either (although that's changed some due to natural gas).  We use so much god damn oil that if supply is cut off for a day or two, everything stops. While grain is very important, that doesn't happen with food commodities. We actually grow so much extra food that we turn a lot into oil. If food was short, we'd stop doing that (I hope).  Lastly, we scrutinize it in the media because our main supply is external. A lot comes from Canada sure, but the middle east is a major component of our supply. If those lines are cut off, prices surge. That *used* to hurt us bad because wed have to buy from more expensive sources (offshore, south america, anywhere else really). Now, small bumps in price are helping the US economy because of shale gas production in PA and Ohio. So oil is a very political commodity on the global stage. Look at Venezuela right now with low oil prices cutting off demand for their more costly oil.   TLDR Oil is the feedstock for our economy and its a scarce resource.
"Because there is more to american made than where it's assembled.   An assembly line worker makes 20-30 an hour after the recession at a UAW plant. At a southern plant, 15-25.   A 65k a year job pays 9000 in single filed income taxes, less if they're married. Again, there is more than assembly with vehicles, just because it's the most car manufactured by the most Americans, doesn't mean it's the best car to support America. And people use the ""american made"" index to justify that they are actually better ""americans"" for buying a Camry vs a Malibu"
The notion of 'most common' is an interesting one. US citizens have gotten heavier and many have gotten taller. There is more of an emphasis on physical fitness in the military now than in previous generations. Needless to say, the addition of women to the force has been significant in this regard. All of which suggests that in addition to gruehunter's apt comment below, a regular updating of what 'most common' means may lead one to conclude that what used to fit that description no longer does.
"This BBC article says that nuclear power notes came about when the French energy company EDF purchased British Energy in 2008: The note changes in value with wholesale energy prices and power output levels from British Energy's existing nuclear stations. EDF Energy's website describes these notes under the section titled ""Nuclear Power Notes"": When EDF acquired British Energy in January 2009, Nuclear Power Notes were issued to British Energy shareholders who chose to take them in lieu of 74 pence of cash per British Energy share held. The Nuclear Power Notes are ten year financial instruments (2009 – 2019) which give ex British Energy shareholders a continuing interest in the “EDF Energy Nuclear Generation Fleet”. They are traded on the ICAP Securities & Derivatives Exchange (formerly known as the PLUS Quoted exchange). Each year a pre-defined calculation is performed to determine whether any cash will be paid to Nuclear Power Note holders. The calculation is dependent on the nuclear output of the EDF Energy Nuclear Generation Fleet (“Eligible Nuclear Output”) and market power prices (“Power Prices”). This calculation may or may not result in a cash payment each year to Nuclear Power Note holders. The MWh/TWh are figures you see are measures of watt-hours, i.e. energy output. The value of nuclear power notes is tied to this output. Looking at the most recent statement (June 2013), you can see a line that looks like this: Month Ahead Price in respect of July 2013: 47.46 GBP/MWh which is an energy spot price for the output of the nuclear plants. I'm not entirely sure of the relationship between this and the payment to shareholders, but if you look at the 2012 Yearly Payment Calculation Notice on the same page, you'll see this in the first section: (a) the Yearly Payment for the period 1 January 2012 to 31 December 2012, (the Relevant Year ) payable in respect of each CVR on 31 January 2013 shall be zero; The payments were also zero for 2010 and 2011.
I'm not convinced that cost of living is related to ensuring greater appreciation of assets over time, especially over a 30 year window. The importance of regional differences in cost of living to anyone's decision-making should be weighted by the percentage of their income spent on indexed items.  That is, for people who spend 35%, or even 50% of their salary on indexed items, regional variances in cost of living are far more important than for people who spend 10% of their salaries on these items.  Essentially, as income goes up, the significance of cost of living goes down. See http://macromon.wordpress.com/2011/02/02/how-u-s-income-groups-get-squeezed-by-food-prices/ for a pretty picture of the relevance of cost of living across income groups (for food & gas, which are often not included in indexes due to volatility).  So, if you are wondering whether cost of living is overstated, perhaps it's because you are in an income group that doesn't need to worry about it as much.  Whether it's overstated or not will depend on how much one makes and spends.
for news, I go to [this news aggregater](http://drudgereport.com/), which is number one with a **billion** page views a month  notice below the links (3 columns) there are names of prominent people who write important articles.  clicking any of those takes you to their most recent works (many are daily)
Ah I see. I assumed you were asserting this was anything other than a company poorly arguing they should not be held liable for their negligence.  Yes it is important. Because we are letting companies get away with a lot with what is effectively a slight of hand. What is stupid is that companies like Uber are full of shit.
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"Yeah, until people decide that drinkable water is important and ban fracking. It doesn't take a genius to realize that water &gt; natural gas. I guess so long as it's ""someone else's water"" and that someone else is poor it'll continue..."
"It's important to be frugal, save, and balance our budget. My beef is that there are so many people who say, ""CUT EVERYTHING!"" which is ridiculous.  Also, research and past experience indicates that government spending can be very successful in helping to mitigate and exit a recession / depression. It's just that we didn't save enough during the good times to prepare for the bad times."
On a personal note if this was a piece of technological achievement I do not think it should forever hold a patent. I do believe mankind is more important than one man. However this is a fictional character and anyone can make one any time. You do not have to steal the name so you can ride the star powered train to riches based on somebody else's property.
0.13% is a pretty low fee.  PTTRX expenses are 0.45%, VINIX expenses are 0.04%. So based on your allocation, you end up with at least 0.08%. While lower than 0.13%, don't know if it is worth the trouble (and potentially fees) of monthly re-balancing.
Gold's valuation is so stratospheric right now that I wonder if negative numbers (as in, you should short it) are acceptable in the short run.  In the long run I'd say the answer is zero.  The problem with gold is that its only major fundamental value is for making jewelry and the vast majority is just being hoarded in ways that can only be justified by the Greater Fool Theory.  In the long run gold shouldn't return more than inflation because a pile of gold creates no new wealth like the capital that stocks are a claim on and doesn't allow others to create new wealth like money lent via bonds.  It's also not an important and increasingly scarce resource for wealth creation in the global economy like oil and other more useful commodities are. I've halfway-thought about taking a short position in gold, though I haven't taken any position, short or long, in gold for the following reasons: Straight up short-selling of a gold ETF is too risky for me, given its potential for unlimited losses. Some other short strategy like an inverse ETF or put options is also risky, though less so, and ties up a lot of capital.  While I strongly believe such an investment would be profitable, I think the things that will likely rise when the flight-to-safety is over and gold comes back to Earth (mainly stocks, especially in the more beaten-down sectors of the economy) will be equally profitable with less risk than taking one of these positions in gold.
It's very, very unlikely that you received a phone call at work with an incorrect birth date from an actual lending company that thinks it loaned you any money.  It's much more likely that you received a phone call at work from a collections agency that would have bought some loan from the aforementioned agency for pennies on the dollar.  They would have been hunting around trying to find someone with your name who was born thirteen years earlier.  It's even more likely that this is some sort of phishing scam.  If you're worried, you can check your credit rating, but it is likely that you can safely ignore the situation.  If they call back, ask for thorough details about the credit card.  If they're a real collections agency and for some reason they won't leave you alone, IIRC the most surefire course of action is to hire a lawyer to send them a cease-and-desist letter.
&gt; This is all mundane chit that barely affects you in real life. If you think this is important, look in the mirror and seriously re-evaluate your life.  I don't think it's important. I was just letting you know that calling out your accuser is great motivation for some people to go dig up stuff. There are plenty of people in this world that get satisfaction from that.  Beyond that, I'm one of the few people so far that has given you genuine feedback to your original post. So to add to that feedback, I hope that your comments in this thread don't reflect your conversational skills. They are overwhelmingly negative and judgmental, and I hope nobody would pay money to be subjected to that.
"This is completely disgusting, utterly unethical, deeply objectionable, and yes, it is almost certainly illegal. The Federal Trade Commission has indeed filed suit, halted ads, etc in a number of cases - but these likely only represent a tiny percentage of all cases. This doesn't make what the car dealer's do ok, but don't expect the SWAT team to bust some heads any time soon - which is kind of sad, but let's deal with the details. Let's see what the Federal Trade Commission has to say in their article, Are Car Ads Taking You for a Ride? Deceptive Car Ads Here are some claims that may be deceptive — and why: Vehicles are available at a specific low price or for a specific discount What may be missing: The low price is after a downpayment, often thousands of dollars, plus other fees, like taxes, licensing and document fees, on approved credit. Other pitches: The discount is only for a pricey, fully-loaded model; or the reduced price or discount offered might depend on qualifications like the buyer being a recent college graduate or having an account at a particular bank. “Only $99/Month” What may be missing: The advertised payments are temporary “teaser” payments. Payments for the rest of the loan term are much higher. A variation on this pitch: You will owe a balloon payment — usually thousands of dollars — at the end of the term. So both of these are what the FTC explicitly says are deceptive practices. Has the FTC taken action in cases similar to this? Yes, they have: “If auto dealers make advertising claims in headlines, they can’t take them away in fine print,” said Jessica Rich, Director of the FTC’s Bureau of Consumer Protection. “These actions show there is a financial cost for violating FTC orders.” In the case referenced above, the owners of a 20+ dealership chain was hit with about $250,000 in fines. If you think that's a tiny portion of the unethical gains they made from those ads in the time they were running, I'd say you were absolutely correct and that's little more than a ""cost of doing business"" for unscrupulous companies.
"Since you mention bounced checks in the beginning of your piece, it's worth mentioning that bounced checks can land you in prison, depending on various circumstances.   In this case, it's because you're committing a fraud, namely offering someone a piece of paper and claiming it's worth $500 or whatever when it's really worthless (because you don't have the funds).  Simply owing a debt is not considered criminal, but proffering payment that is not actually valid is considered defrauding the person you are trying to pay. This check fraud information site discusses the different penalties in each state (as this is primarily covered by laws at the state level).  It is never ""until you have repaid the check,"" of course; it is in most states a misdemeanor (<= 1 year in jail), though some states do make it a felony for larger amounts or repeat violations.  These penalties are also typically at the judge's discretion, and in many cases you are only fined. Some states have a minimum dollar amount for it to be a criminal offense; most seem to be around $500 or so, though there is quite a lot of variability. Some real world examples of this include former NBA player Antoine Walker and former NFL player Joey Porter."
Oh my god. It's a result of regulation and they do target homeowners. Home owners are fined constantly for violating STR regulations. Yet again you're proven wrong and move the goal posts. Just stop. It's embarrassing at this point.