vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"I cannot definitively say this is illegal, but we'll apply some cold hard logic to it: If this were as easy as it sounds, why aren't they using their own account/card instead of yours? Ask them this question directly.  They will probably say something along the lines of ""I don't have a card"" or try to guilt you into doing it. You should do two things:  Tell them no. Report them to the police/the bank/etc. In all likelihood, they will end up doing something illegal or they are laundering money.  When push comes to shove, you will be the one the police come after asking questions.  They have complete deniability as it is your card.  This is no different than the ""Cash this big check and send me half of it"" scams that are common."
You can try to hassle them via any customer service contact methods they provide (email, phone) and pressure them to give you your money back.  Good luck with that.  Or you can try reporting them to authorities and/or bringing legal action against them in the country where they are based, which is apparently Malta.  Good luck with that too. As you say in your question, some internet searches reveal that other people have had similar problems with Entropay and were unable to resolve them.  Unfortunately, there is a good chance you are screwed.  In such a case, the best thing you can do is to post your experience on scam forums and trust websites like trustpilot.com and webutation.info so that others won't face the same fate in the future.
Inflation is being hidden in false government figures. They report inflation as 2% to 3%, but when look at my records for the last 5 years I see most of the things I am paying for are around 23% higher. It may even be higher as some things are hard to figure in. For example, many food items are being sold in smaller quantities for the same prices they sold for in larger packages. When was the last time you saw a 3 pound can of coffee in your local market, or a half gallon of ice cream?  Things like cable have gone up 50%. All my insurance policies are about 50% higher too. Meanwhile people's wages have gone up the 3% the government insists matching inflation.
"I have to disagree with Scott's point about bank's ability to reimburse you for money withdrawn by people who stole your debit-card - that is only limited to transactions taken place after you reported the lost of the card (http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre04.shtm).  In the event that someone got into your banking account and conduct transactions without your knowledge, you are pretty screwed unless you can prove it wasn't you who did the transaction.  The same goes for people whose debit card was ""copied"" (e.g. by swiping through those hacked ATM) - the bank's insurance policy doesn't kick in until you report loss. Mint.com is very nice website and too bad it doesn't work for Canadians.  I instead opt'd for Yodlee (moneycenter.yodlee.com) which is the engine behind Mint but works for Canadians (but without all the social network aspects/features).  These sites are good for aggregating your various personal financial info online, but none of them are good enough (yet) for me to ditch my Microsoft Money - oh wait, MS has decided to discontinue the product and I need to look another one... Chris"
If there are idiots saying nasty things, they will say nasty things about your competitors as well. There will ALWAYS be unhappy people. However, if there are significantly more unhappy people for you than there are for a competitor, then they're not dumb - you are doing something wrong.  And you are right - you will sometimes disagree with the aggregate regarding relevant factors in judging a business. That happens, and there is currently nothing you can do about it. It does not diminish the value of the aggregate's opinion, though, for the vast majority of businesses.
This is the sword of Damocles that's hanging over Twitter.  The Russia investigation has revealed/confirmed what Twitter's senior management has remained willfully ignorant of: that their traffic numbers are grossly inflated by bots.  I see a bunch of civil fraud litigation not too far down the line.
I've been looking through annual reports of some Canadian insurance companies. Having serious trouble with their reporting; it varies widely. I've been trying to create a historic look at the combined ratios, and have been comparing income statements. Maybe that's the wrong place to look.
Ok, I'll play ball. Where do you see the wrong doing?  Being in a room with a Russian for 20 minutes is not a crime, nor can it in anyway be concieved of as wrong doing.  Edit: of its own accord, of course.
Dispute the charge. Receiving the wrong product is grounds for dispute.
"Personally, I would just dispute this one with your CC.  I had a situation where a subscription I had cancelled the prior year was billed to me.  I called up to have a refund issued, they couldn't find me in their system under three phone numbers and two addresses.  The solution they proposed was ""send us your credit card statement with the charge circled,"" to which I responded ""there's no way in hell I'm sending you my CC statement.""  Then I disputed the charge with the CC bank and it was gone about two days later.  I partially expect to have the same charge appear next year when they try to renew my non-existent subscription again. Now, whether or not this is a normal practice for the company, or just a call center person making a good-faith but insecure attempt to solve your problem is irrelevant.  Fact of the matter is, you tried to resolve this with the merchant and the merchant asked for something that's likely outside the bounds of your CC Terms and Conditions; sending your entire number via email.   Dispute it and move on.  The dispute process exists for a reason."
You should start a dispute with the credit card company, and they might be able to recover some/all of the money. Usually, if you act fast enough, credit companies (on the merchant's side) have enough of the deposits not yet disbursed to the merchant, and they'll just reverse the charge. The earlier you start the process - the more chances you have. Otherwise you'll have to sue, I'm not familiar with the Canadian legal system.
I've had a BofA ATM screw up a deposit too. They will get it right. Call BofA or go to the same branch in the morning, explain the problem and submit a dispute. In my case, they credited my account immediately for the disputed amount.  They'll get the cash from the ATM and reconcile the amounts in the machine with your claim. It'll take a few days to sort out. It all worked out fine for me, try not to stress. They'll make it right and you should be able to get the immediate credit.
I think you have to dispute with the Credit Union provider that the funds have not reached the account. Ask them for the details, even if electronic, they will have reference numbers. Also provide the Credit union your copy of the current loan account ... it would not reflect the credit. Keep following up
Every 90 days add an Initial Fraud Alert to each of the 3 major credit bureaus.
As it is international debits, this will take a while. BofA is right, You have to dispute this with Card Issuer, i.e. HDFC. The worst case for me was around 1 month. Keep chasing and sending out reminders every 3-4 days.
Although this scheme is likely to get shut down rather quickly by either your broker or credit card company some points you seem to have missed out on. Properly timed you should be able to get ~55 days of grace period (30 day billing cycle + 25 day grace period) assuming you pay everything off every month and charge immediately following the statement date.  You will need to avoid certain card issuers that code all transactions with financial institutions as cash advances (Citibank in paticular). If it is possible it would be in your best interest to lower cash advance limits to 0 to avoid any chance of cash advance fees. If your credit card attempts to process it as a cash advance the transaction will just be declined and you won't be out anything. Otherwise one cash advance fee will eat several months worth of profits. As far as investments with guaranteed principal goes the only thing you can realistically do is money market accounts and maybe treasury notes. Anything else and the short term price fluctuation may leave you high and dry. If this scheme were to work you would be much better off attempting to get rewards for the purchases than anything you could invest in. If you used a 2% card and churned it every month you would be looking at a 24% return on credit card rewards. Even 1% rewards gives you a 12% annual return which is going to beat anything you could invest the money in.
When I put it on the credit card, I haven't paid for the product or service yet.  If there is a dispute, then I have the upper hand because the cash is still in my pocket.
California is a non-recourse state, so they won't be coming after you for the balance.  If the terms of you divorce were written out that your wife got the house, perhaps a lawyer can get your credit cleared, but that is a long shot.   Your chances depend very much on how long your wife made payments, if there is a provable history and the length of that history might help you out. http://wiki.answers.com/Q/Which_states_are_non-recourse_states_for_mortgage_debt
&gt; I'd be interested in seeing a little more on the regulatory aspects of derivative contracts.  The most relevant regulatory push is with Dodd Frank in how it regulates swaps.  There are a myriad of rules around swaps of all kinds due to DF, whether they be interest rate swaps, fx swaps, commodity swaps, etc.  In a nutshell, DF requires certain reporting and transparency requirements for swaps (not to be confused with futures contracts, which are heavily regulated as well).  At some point most swaps that can be done on a cleared basis will have to be done on a cleared basis (versus bilateral swaps, which is simply one counterparty entering into a swap agreement with another counterparty, meaning each c/p is exposed to the other's credit worthiness).   DF is a long, boring read, but that is what is most relevant if you want to understand how swaps are being regulated and will be regulated going forward.
Open a dispute for the preauth. It is effectively a double charge, since you have already paid for the item. You can provide evidence of the other transaction. This forces them to go through some hassle and waste some time on the issue.
I'd imagine you want to keep the utility bills around to dispute any historical billing errors or anomalies for perhaps 6 months to a year. Beyond that, you always have the financial records of making the payments -- namely, your bank statements. So what benefit is there in keeping the paper receipts for utility payments around for longer than that? I say shred them, with extreme prejudice -- while wearing black Chuck Norris style.
What the other's said is right. You build credit by paying over time. Keeping your balance under the halfway mark of your limit and paying it down over the course of a fair amount of periods yields the best results. So if you have a limit of $1500 then charge a $600 credit and pay $100+ interest over 6 months. Best yet are loans with fix installments. This behavior tells the credit agencies you are responsible and you pay your debts. In their eyes you are a low risk high ROI, statistically speaking.
"Banks have to disclose up front the Annual Percentage Rate or interest rate that will be charged if you have an outstanding balance on a credit card. However, the APR of 19.9% is not charged all at once. For example if you had a $100 dollar balance on your credit card you would not be charged 19.9% interest or 19.90 making your new balance 119.90. Instead you would be charged the periodic rate which is one month's interest. You can easily calculate the period rate by dividing the APR by 12. So, 19.9% equals 1.65833% per month. This means if you had a $100 balance you would be charged 1.65833% interest or 1.66 making your new balance 101.66. Ask the bank or look on the website for a document called ""Cardholders Agreement"". If you can't find a link ask them for a copy so you can read all the fine print ahead of time."
A childhood friend just had his sentencing hearing the other day after pleading to robbing 2 banks 5 times over the span of 11 months.  He only cleared $34k and now he's going away for 7.5 years, best case scenario.
I'm reminded of Say's Law (developed by Jean-Baptiste Say) which can best be reduced to: The market clears (i.e. there is always some price at which an item will sell in a market).  Full employment can always be obtained in any free market economy.  People may not be pleased, however, with their wage rate. There are, however, many deterrents to employment (at least in the US): These are just some I can think of off the top of my head.  I'm sure there are many others.
$220M which clears all your tax liability, nets you a couple hundred mil, and all just for punching a mouthy white guy in the face in front of the whole world? And you're pretty much guaranteed to win?   SIGN ME UP, FAM!
This guy is literally proposing a bucket shop. Trades against customers and copy their trades. No centralized clearing (it's not executing trades at all). And he thinks these are good things that customers should get him for.  Scam. And a very old one at that.
She should call 211. This is exactly how they help. The 2-1-1 service is run by the United Way, a nonprofit organization. The 2-1-1 service strives to be a clearinghouse for services within a local area.
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"It frustrates me that basically all ""media"" shops could be that way.  Want a CD or DVD?  Here's a kiosk; select what you want, insert a $10 note, and it burns while you wait.  Need your textbooks?  Pick 'em off a touch screen, come back in 20 minutes and collect them at a counter.  It's all technically doable, but the legal machinations to do it on a useful scale are a nightmare.  If only we could have some single rights clearinghouse that you could say ""I want to license *everything* for reproduction"" to."
COBRA is with regards to any termination, not only if you're laid off. If you leave your job voluntarily you're still eligible for COBRA, at least from my experience in California. Once you start working at the new job that provides health benefits - you're expected to roll-off of COBRA. No. Once you run out of the COBRA period - you're on your own.
"This is a ""stress"" period, much like the 1930s and 1970s. At a time like this, it is smart to be debt free, and to have money saved for the likely emergencies. There are growth periods like those of the 1980s and 1990s, probably returning in the 2020s and 2030s. At such times, it makes sense to play it a little ""looser"" and borrow money for investments. But the first order of business in answering this question is to look around you and figure out what is going on in the world (stress or growth)."
"One of the best answers to this question that I've ever read is in a paper published by Robert Lucas in the Journal of Economic Perspectives. That journal is meant to a be a place for experts to write about their area of expertise (in economics) for a general but still technically-minded audience. They recently opened up the journal as free to the public, which is a fantastic resource -- you no longer need a subscription to JSTOR (or whatever) to read it. You can read the abstract to the paper, and find a link to it, here. One of the things that I like a lot about this paper is that it strips out absolutely everything even slightly unnecessary to thinking about a macroeconomy, and just discusses what one can arrive at with a very very simple model. Of course, with great simplicity come sacrifice about details. However, it does a great job of answering your question, ""why do people care about growth?"" A quick note: the key to understanding the answer to your question is to think about things in terms of ""the long term"" -- not even looking forward to the future, because we'll be dead by then, but looking back to the past. The key to the importance of growth is that, for the last ~200 years, the US has, on average, had maybe 2-3% ""real growth"" per year (I'm pulling these numbers out of my head; I think much better numbers are in that paper somewhere). On average, over that period of time, this growth has meant that the quality of life that one has, if one lives in a country experiencing this growth, is enormous compared to countries that do not experience this average growth over that period. Statistically speaking, growth is also somewhat auto-correlated. Roughly speaking, if it was low the last few periods, you can expect it to be low the next period. Same thing if it's high. Then, the reason we care about growth right now: if you have too many periods of low growth, pretty soon the average ""over the long term"" growth will be pulled down -- and then quality of life can't be higher in the future (which quickly becomes someone's ""present""). The paper above makes this point with a very simple model.
"The new mission referred to, FTA: ""enabling people and businesses throughout the world to realize their full potential ... putting you in control of your world, and letting you do things you weren't able to do before""  Well that clears it up."
"@Alex B's answer hits most of it, but leaves out one thing: most companies control who can own their non-public shares, and prohibit transfers, sales, or in some cases, even ongoing ownership by ex-employees. So it's not that hard to ensure you stay under 500 investors.   Remember that Sharespost isn't an exchange or clearinghouse; it's basically a bulletin board with some light contract services and third-party escrow services.   I'd guess that many of the companies on their ""hot"" list explicitly prohibit the sale of their non-public shares."
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"Obviously a stock that's hit a high is profit waiting to be taken, be safe, take the money, Sell Sell Sell!! Ah.. but wait, they say ""run your winners, cut your losers"", so here this stock is a winner... keep on to it, Hold Hold Hold!!!!! Of course, if you're holding, then you think it's going to return even higher.... Buy Buy Buy!!!! So,  hope that's clears things up for you - Sell, Hold, or maybe Buy :-) A more serious answer is not ever to worry about past performance, if its gone past a reasonable valuation then consider selling, but never care about selling out just because its reached some arbitrary share price. If you are worried about losses, you might like to set a trailing stop and sell if it drops, but if you're a LTBH type person, just keep it until you feel it is overvalued compared to its fundamentals."
"This is the best tl;dr I could make, [original](http://www.newstatesman.com/politics/economy/2017/08/were-racing-towards-another-private-debt-crisis-so-why-did-no-one-see-it) reduced by 84%. (I'm a bot) ***** &gt; As a result, NFU President Minette Batters is a supporter of the governments&amp;#039; present 25-year eradication strategy, which combines a mix of cattle testing, badger culling, and developing new diagnostic tests and vaccinations.  &gt; What if the government&amp;#039;s comprehensive approach is flawed and killing badgers is in fact needless? On a farm in Devon, the Save Me Trust has been supporting an experiment to prove that, with better testing, it&amp;#039;s possible to eliminate TB in a cattle herd without having to touch the surrounding wildlife.  &gt; Badgers around the farm have tested TB-positive, she says, yet since they have comprehensively cleared the disease from the cattle herd it has not returned.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6yauyl/new_statesman_were_racing_towards_another_private/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~204918 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*: **cattle**^#1 **test**^#2 **badger**^#3 **farm**^#4 **Brummer**^#5"
"Could have done a [put option](http://en.wikipedia.org/wiki/Put_option) if you wanted to bet against it in another way. It's not technically ""shorting"", but in a layman-shorthand it's the same thing - making money gambling on the ""pessimistic side"" of possibility. You don't actually need to borrow any shares to do that, just find someone who thinks the price at some later date will be higher than you think it will be."
Prime Day is a poorly executed concept. You cannot put up items of which 90% are worthless and expect people to get excited.   Black Friday is not about clearing your inventory of garbage. It's about kick-starting the shopping season.   It's an entirely pointless exercise if you offer discounts on things no one wants.
An expired option is a stand-alone event, sold at $X, with a bought at $0 on the expiration date.  The way you phrased the question is ambiguous, as 'decrease toward zero' is not quite the same as expiring worthless, you'd need to buy it at the near-zero price to then sell another covered call at a lower strike.  Edit - If you entered the covered call sale properly, you find that an in-the-money option results in a sale of the shares at expiration. When entered incorrectly, there are two possibilities, the broker buys the option back at the market close, or you wake up Sunday morning (the options 'paperwork' clears on Saturday after expiration) finding yourself owning a short position, right next to the long. A call, and perhaps a fee, are required to zero it out.  As you describe it, there are still two transactions to report, the option at $50 strike that you bought and sold, the other a stock transaction that has a sale price of the strike plus option premium collected.
"Listen asshole, you clearly have an opinion on the thing, but you're going around wielding it like it's a fucking club.  A pretty clear sign you should be sitting at the kid's table.  Furthermore, it's a goddamn opinion and yet you're sitting here - not helping OP in the slightest, mind you - attempting to verbally attack a stranger.  Does that make you feel like a big man Mr. anonymous internet guy that's clearly got an ego problem?  Maybe you're right, maybe you're wrong.  I happen to know that it would make him stand out more than NOT having one - something you can't prove wrong no matter how many job descriptions you look at.  It stands out - period - otherwise people wouldn't get them.  How is this not clear to you?  The whole problem is that you're acting like a child, an asshole, and proving that you don't understand the first thing about business - treat people fairly.  So if you think I'm inexperienced, I guess I'd have to consider the source.  My guess is that you don't stack up very well, or that you're a millennial that believes he's entitled to something he hasn't earned, like respect.  Why don't you grow up, and when you're ready to be an adult I'll talk to you again.  In the mean time, however, I'm just going to report you to the mods for being a dick so they can ban you.  There's no place for that here, especially for someone who ""supposedly"" has an MBA.  Figured you'd be able to handle yourself as an adult by now."
"It appears the interest is not compounded daily.  Each period of interest has the loan amount calculated on the ""capital"" remaining on the start of period, for each day in the period.  The Excel finance functions don't handle irregular periods that well, but I can reconstruct the interest calculations:"