vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Ah ok. Sounds like you guys need to have a heart to heart. I'd consider setting up a contract with regards to execute a buy-out at a given date. It may require some compromise on both of your guys' side.  Good luck and Happy Cake day!
You now believe that your 10% is worth $105k. You put a flyer up around the neighborhood, saying you will sell your share for $105k. Because other flyers are going up to sell for about $103-$106k, it seems your valuation was mostly consistent with the market. Eventually someone driving by sees your flyer, and offers you $104k for your shares. You agree, because you want the cash now and don't want to wait for the treasure chest to be sold. Now, when the treasure chest gets sold to the goldsmith, assume it sells for $1,060,000 [turns out you underestimated the value of the company]. The person who bought your 10% share will get $106k [he gained $2k]. Your neighbor who found the chest got $900k [because he sold the shares earlier, when the value of the chest was less clear], and you got $104k, which for you was a gain of $14k above what you paid for it. This is basically what happens with shares. Buy owning a portion of the company, you have a right to get a dividend of future earnings. But, it could take a long time for you to get those earnings, and they might not be exactly what you expect. So some people do buy and sell shares to try and earn money, but the reason they are able to do that is because the shares are inherently worth something - they are worth a small % of the company and its earnings."
They didn't have enough money to cash everybody out. And at a $100B valuation, a lot of people wanted out. Note that they only earn a billion dollars (only 1% of the initial speculated valuation), and most of that needs to be reinvested into the company to keep it going. They need to spend money buying Instagram and other patents/startups, etc to ward of competitors.
This guy owns a hotel and timeshare company, it's not exactly a unique business.  There are probably a thousand other people who could take it over and keep it running no problem, or another hotel and/or timeshare company that could just incorporate it into its own business.  It's not at all comparable to something as unique as Steve Jobs and Apple.
I don't know a lot about this space but it seems like maybe Blue Apron should try to be acquired as well. Better now and keep the name and employees alive than later then all they'll be able to get is scraps.
"Let's not trade insults. I understand defined benefit plans better than you think. Of course offering a lump-sum payout NOW is better for the company. If you think of the lifetime value of the pension, then yeah, it's ""worse"" for the recipient... but exactly like lottery winners, this is just a question of my personal discount rate. Maybe I want/need that money now, and value it more now than I would in 10/20/30 years. So it's a question for each individual to decide."
That makes me happy, they really portrayed Ray as an asshole, but it took a lot of vision and hard work to build that kind of empire, and it clearly wouldn't have been the same if left to the brothers. I'm glad they were happy with their buyout. I'm not sure I would be after seeing what it would become.
&gt;the company said these guys didn't know about the breach  yeah... thats a little hard to believe but this is all in the name of plausible deniability so I cant blame them. I dont think a single person buys that these guys all just decided to sell stock at the same time right before a story hits that will tank the value of the company
Yes he did.  But what Cuban means is that your motivation has to be for the love of the work, not the exit.  If you constantly have one eye on the door, it's going to distract you from building something great.  When the time is right, an obvious exit will present itself.
Doesnt matter - their main asset is a database of US. To liquidate it, who do they sell it to? How many copies do they sell?  Where are the backups?  Them having it is bad enough, but them selling it off is worse.
Are there examples?  Seems region and state located stores are very much thriving with no plan of a buyout. They've been around for 30+ years.  I hope that quote is wrong because food companies who respond to millions of people requesting higher profits each quarter isn't good for the customer.
All hearsay and a bad memory, but if I remember correctly, when you dig deep the reason he raised salaries was to help fight some lawsuits against his ex wife and/or ex business partner. These raises effectively made the company make nothing while he was fighting lawsuits. Then it eventually turned into publicity and more clients for his payment processing company.
I suppose it could've happened the other way around- if the major media company was already interested in Broadcast Software, but BS (*nice*) had ignored Bob or treated him poorly he would've stood up- told a different story- and lost them this deal.    Though yeah, the title is poorly phrased(edit: thanks dgillz).
Companies used to be bought up for creation capability or acquiring talent. Nowadays, they are being bought just for their patents. A lot of software companies are hoarding patents in case of a patent war.   We need something like the DVD or Blu-ray patent group for smartphones.
You should constantly look at your investment portfolio and sell based on future outlook. Don't get emotional. Selling a portfolio of stocks at once without a real reason is foolish.  If you have a stock that's up, and circumstances make you think it's going to go up further, hold it. If prospects are not so good, sell it. Also, you don't have to buy or sell everything at once. If you've made money on a stock and want to realize those gains, sell blocks as it goes up. Stay diversified, monitor your portfolio every week and keep a reserve of cash to use when opportunity strikes. If you have more stocks or funds than you can keep current on every week, you should consolidate your positions over time.
I believe firmly that a bird in the hand is worth two in the bush.    Cash your gains out and be happy with your profit.
Selling options is a great idea, but tweak it a bit and sell credit spreads on both sides of the market, i.e. sell OTM bear call spreads and OTM bull put spreads. This is also known as an iron condor, and limits risk, and allows for much more flexibility.
Get your jewelery appraised.  (Don't let whoever does the appraisal be the same person whom you would sell it to.) Logically jewelery must be worthy more than the raw gold that makes it up because somebody took the time to design patterns and do specialty craft to the metal.
"You should establish a strategy -- eg a specific mix of investments/funds which has the long-term tradeofv of risk, returns, and diversification you want -- and stick to that strategy, rebalancing periodically to maintain your strategic ratios betwedn those investments.  Yes, that means you will somettimes sell things that have been doing well and buy others that have been doing less well -- but that's to be expected; it's exactly what happens when you ""buy low, sell high""."
Split the difference. Max it out, sell half immediately and wait a year or more for the rest. Or keep a third... whatever works for your risk tolerance. A perfectly diversified portfolio with $0 in it is still worth $0.
You can sell as many shares as you want. The only issue will be the fees attached to low dollar trades. I would recommend a site with no fee for the first 20 trades. If you plan to be a frequent trader I would recommend getting a stable rate ($10 for every transaction). If your plan is to trade in low quantities then maybe a variable rate (1% of all fades) might be better suited.
Agree. The key word is 'standards'. Every seller is going to encounter a crazy buyer once in a while and should be prepared for a ridiculous return now and then. On the whole, people buy things because they wanted to buy the thing, they aren't going to return it just because.  If the sellers want to cut down on returns, make sure there are good photos, accurate descriptions and quality control. If a buyer has been unreasonable, blacklist that person. I did that to a client 40 years ago. took forever to talk my boss into letting me do it, but it saved us thousands of dollars of year.
Depends entirely on the stock and your perception of it. Would you buy it at the current price? If so, keep it. Would you buy something else? If so, sell it and buy that.
Idk man ties with no sport coat/blazer scream salesman to me. Just get a good fit going and you'll be fine.  Unless you're planning to wear a sports coat as well, which in that case go nuts lol
No, the vast majority of jobs do not require a business degree. You got a b.s. and seem to have a decent gpa. Now go sell it. Break out of the academic, well organized milieu you probably come from. Did you get an internship? I hope so.
Can he legally break your lease if he sells the place?  If not I would just keep renting. It doesn't sound like you love the house and you plan on moving or would prefer a different type of place long term. Unless you yourself plan on getting involved in being a renting it out to others in the future - just rent and move on at some point. If he can break your lease upon sale of the property then I'd be casually keeping an eye out for another place to rent if that happens.
There are things that we can do to make business even better. We could throw out the EPA, we could dissolve OSHA, we can shut down the FTC. Hell, let's get rid of taxes. Let's sell off all federal land, no more low income housing. Why should the government zone land, let's get rid of that. Let's let fracking occur anywhere and any form of power plant built wherever businesses want. No more minimum wage, no more unions, no more child labor laws, no more ACA or medicare or social security.  Business is better right? Is any one going to ask at what cost?
don't get stalled in the notion that in ONE call, some MAGIC will happen, if you DO IT RIGHT  reality is a cold call is only the first call.  sales usually requires a sequence ...relationship/confidence building route (multiple calls)
Watch pawn stars. Whatever someone offers offer 1/3 or less then go up from there. At least that's how to get the number. The rest is having the tact to make someone believe what you are offering is a good deal as that gentlemen clearly demonstrated.
Yup, 7 figure seller myself. That's why everything possible goes fba anyway. Ain't nobody got time to deal with customers anyway, who can compete on that, especially with Amazon. It's not that the customer is always right, it's just easier most of the time to treat them like they are and move on. If customer issues are a significant part of your business, or can cause that much damage, you shouldn't be in this business.
You should be able to sell it to a collection agency. I just googled and this is the first results: CollectYourBills.com
There are some great tips and advice in here.   Here's something you may not have considered. The capacity for income is limited by your time and the tuk-tuk rates.  For example, if you become the best and most well-known tuk-tuk driver in Siam Reap and all the tourist want to use your service, the most business you can do is 1 customer per day.   However, if you were to make Trusty Tuk Tuks a booking service you could make a margin from multiple drivers.  Heres how it works:  You find 10 drivers who all agree to do the same features - Cold drinks and snacks, curtains, help tourists with tickets, trusty tuk-tuk business cards. Paint or decorate the tuk-tuks so they all look the same. All drivers agree that for every booking you bring them, they will offer the same service and pay you 10%.   Set up a stand at the market with someone that speaks English and take bookings. Tell your potential customers about the price, the tuk tuks, the cold drinks, the ticketing help, and what temples they can visit.  Soon Trusty Tuk Tuks becomes a brand. This way you are not limited to 1 tuk tuk and 1 customer a day.  The key here is that all drivers must agree to the same price and the same service. Its the consistency that makes a brand.
"Also make sure you're listed on TripAdvisor, include good photos, and get your customers to leave positive reviews.  If you have more business than you can handle yourself, start hiring other drivers under the ""TrustyTukTuk"" brand.   As an aside, I've been to Siem Reap and seen Angkor Wat- highly recommended!"
The rates seem a little higher that those available at my credit union, but you seem to be able to borrow larger sums of money than many banks/credit unions will allow. Overall, it's a viable way to go.
Yes. The more money you put down = less money the bank needs to loan = greater chances of approval.
Generally a credit union will tend to have lower rates, since they are owned by the members, and not having to make a profit for some rich bankers or a bunch of shareholders.  OTOH their funds are often more limited than a bank, and they may be pickier about who they loan to. still that's just 'generally', it always pays to shop around
"Read the prospectus carefully. In the case of Prosper, you're really making a loan to Prosper, which is in turn linked to the borrower's payments. Also, the rates are really high. If I was looking for money, I'm not sure why someone with ""AA"" credit would ever go with a Prosper loan."
I'm suspect of the claim too, but my university let me take 25-30 hours+ after I threw a stink. Since I didn't take summer classes and the engineering workload was immense, I have no interest in doing a 5-year degree.   It was/is a credible university.   That being said, some people are more unlucky than others, but many don't take advantage of their luck. There's a reason foreigners often compromise a lion's share of the new millionaires in this country and dominant in education despite the fact they often have depressed economic situations. Yes, yes, model minority blah blah blah.  THAT being said, everybody gets help from somebody at some point in their life, even if it's parents or a friend. Very, very few people get *no help ever*.
If you end up keeping the student loan, it will be a tax deduction.  Probably not much but at least it's something.
In some cases, especially but not only for subprime loans, they are actually testing whether you will lie to them. (Discovered this when working on a loan origination applicatíon for car dealers -- they explicitly did not want us to autocomplete some values because that might remind applicants that answers would be checked.)
Consider getting yourself a gas card. Use it for a year. Make your payments on time. Then reapply for a credit card.
When borrowing a small sum from a bank, there's usually no collateral. i.e. no property to put a lien on, no gems put in a vault. It's a personal loan. A loan for a plane ticket for you or for them wont make a difference. If they have the borrowing ability, it's their loan.  That said, if your family finances are so tight, no one can buy a full round trip ticket, you should not be taking this trip. If your (whole family) savings is not above 3-6 months living expenses, you still shouldn't take this trip.
"Sovereign immunity is the state's ultimate ""get out of bankruptcy free"" card.  After all, the state has a hand in defining what bankruptcy even is in their state.  Federal law is a framework, states customize it from there.   The state's simplest tactic is to simply not pay you.  And leave you scrambling to the courthouse for redress. Is that an automatic win?  Not really, the State can plead sovereign immunity, e.g. Hans v. Louisiana, Alden v. Maine.     You could try to pierce that sovereign immunity, essentially you'd be in Federal court trying to force the state into bankruptcy.  This would pit State authority against Federal authority.  The Feds are just as likely to come in on the state's side, and you lose.  Best scenario, it's a knock-down drag-out all the way to the Supreme Court.  You would have to be one heck of a creditor for the legal fees to be worth your trouble.  States don't make a habit of this because if they did, no one would lend money to them, and this would be rather bad for the economy all around.  So business and government work really hard to avert it.  But it always stands as their ""nuclear option"".  And you gotta know that when loaning money to States."
Trying to forcefully reclaim the money will ruin the relationship.  In general it's bad practice to loan money to family.
I have recently been the lender to a couple people. It was substantially less money (~$3k), but I was trusting their good faith to pay me back. As a lender, I will never do it again. Reasons, Overall, not worth it.
"First of all, the only thing they can do to force you to pay is sue you. If they don't sue you, then they can't force you to do anything. All they have right now is just a written agreement you signed promising to pay. That by itself doesn't have legal power to take money from you. The worst they can do without suing you is put negative information on your credit report (which has probably already happened anyway). If they sue you within the ""statute of limitations"", they will almost certainly win and get a judgment against you, because you did agree to pay. With that judgment, the court can force you to reveal your income and asset information, and they can take the judgment to do things like seize money from your bank accounts and/or garnish your wages. And the judgment does not go away. However, if you have no money in the bank and/or income, they can't take any money from you, because you have none. They can't take more from you than you have. In other words, if you have no money or income, and won't have money or income soon, the judgment they can get by suing you and winning isn't worth the paper it's on. Since serving you and suing you takes money and effort, they will make a calculation on whether it is worth suing you based on the amount of debt and what amount of money they think they can get from you based on what they know about you. This is the reason why you may not be sued at all (if they calculate that it is not worth it), and also why they may offer you a settlement for a lesser amount (because is saves the cost of suing and the risk that they won't be able to get you to pay). The amount you mentioned (several thousand dollars) may be small enough for it to be not worth it. Another thing is the statute of limitations I mentioned earlier, which varies by state and is several years long. If they sue you after the statute of limitations passes, then you can raise the statute of limitations and get the lawsuit dismissed. So basically, after this amount of time passes, you are pretty much free from this debt.
I don't have numbers on that, but I imagine the average student loan is much higher.  Stilll, student loans, due to their default-less nature, are a bit of a different beast IMO. I think student loans will put a prolonged drag on the economy, but I really don't see where the catalyst for a crisis would be.
Who cares? If your card gets stolen, most cards provide you with 100% liability protection. Just sign the thing!
"That's $60k/yr in loan payments NOT counting interest.  Well over half of your take home income even at that salary level.  You'd end up with like a $50k or less net despite making $175k.  Is it possible?  Sure.  Is it *expected*?  No.  And are you the judge of what's ""Responsible""?  Fuck no."
This is just pure capitalistic evil.  OK, I think I spoke too soon.  There are caps on how much you pay back (2-1/2 times principal), and the royalty isn't for your whole life, but a specific period.  Perhaps not evil, but I don't think it's a great investment.  Unless you plan on working for a non-profit.
I don't understand how that's relevant. If 10 people loan you money and I'm one of them, you shouldn't expect that I will agree for you to pay me less money just because the other 9 agreed to it.    I loaned you that money with the expectation that I would get 100% of it back.  Others may choose to adjust the terms of their loans, but it doesn't mean I have to.
"&gt;In both cases you make exactly the same pledges and have exactly the same obligations. Yes, I got that.  If I didn't pay you back your lunch money you're probably not going to report me to the major credit bureaus.  You may reserve the right to call me a deadbeat, however.    All joking aside, the bank is more likely to spell out the penalties for default than the individual lender because the individual is relying on moral/social obligation to ensure repayment (often unwisely so).  The business that lends to you harbors no such illusions, however.  Of course it trusts in the rule of law, insofar as any nonhuman entity can ""trust"" in anything, but it is much more interested in managing its risk.  &gt;Its insurance also expects that a certain percentage of banks will be robbed. Which in your universe makes bankrobbing kinda okay I guess.  Are you really equating people who default on their loans with people who rob banks?    &gt;The bank does trust in pacta sunt servanda and the rule of the law. Otherwise it would never do any business with anyone.  So there are no banks in Russia, or China, or anywhere else where the ""rule of law"" is subject to interpretation?"
Here's a good definition of a consumer loan: What is a Consumer Loan? As@Pete B. pointed out, there are some states (California loves to be the oddball, doesn't it?) that treat some loans in a more unconventional manner, but the gist of it is that a consumer loan is normally unsecured, meaning there's no collateral or lien associated with it.  A signature loan would be a good example of a consumer loan.  Many times, loans made by non-banks (finance companies that loan for consumer purchases, for instance) would be considered to be consumer loans. I hope this helps. Good luck!
Yes, you would.  You owe it to the person you borrowed the shares from. (source)
Leins basically work by having someone take you to court. If you show up and fight it, nothing happens. But if you never show up (which a lot of people don't due to thinking 'this is pointless'), then the other party wins by default.  I was just trying to point out that they have other options than just fighting it out with VISA and losing.
I was being sarcastic. Student loan crash is a major circle jerk in some Financial subs  If anything, it's more likely to manifest itself as OP described. Economic growth is going to be lower is a substantial portion of the populus is servicing debt than consuming goods.
&gt; Hey! Do you mind giving your credit card to the waiter...   I'm not especially fond of that, but it's easy to report fraud to the bank and most of the time the bank will reverse the charges.  The PIN situation is different because a mugging is life-threatening.  &gt; We already determined that nobody even care about signatures or check them.  You can't use a stolen card at an ATM with a signature.  It seems clear you haven't spent as much time thinking about this as I have. No offense intended, this is a waste of my time.
Merchants are only supposed to verify the presence of a signature, which signifies that the card owner has accepted the terms and conditions of the card / account. It was never really intended to be used to authenticate the card holder, nor is it used as such in practice.
yes he has no idea what he is talking about, despite having done exactly this several times  lets leave it to anonymous redditor who will never see, let alone have the ability to control, 1/10 of that
That should obscure your name and home address fairly well.
They told you what to do--the Department of Labor.  They have ways around this problem.  Also, that ex-CFO certainly should care if it's his name on the dotted line.
I'm fully aware of that fact, however enrollment via the club card is what gets your name and address on every freaking mailing list between SkyWays and Harriet Carter.  It's also one more damned thing I have to make sure I've got, or have to remember whatever bullshit phone number I made up when I enrolled.  Just no.