vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Have you considered a service that allows you to generate credit card numbers on the fly? DoNotTrackMe allows you to generate a CC number on the fly, for a specific amount.  If the vendor tries to charge more, it will fail.  If it gets stolen, it's useless. I don't know the specific fees off hand, but they have an annual fee for the feature.  Still, for the protection, doesn't seem like a bad way to go. Note: I have no affiliation with DNTM, I'm just a very happy user of their email protection products.  The Masked Cards faq is here.
"PayPal offers a service called ""PayPal Business Payments"". Instead of charging a percentage, they charge a flat fee. For US-to-US payments, the fee is fifty cents per transaction. For Canada-to-Canada payments, the fee is five dollars per transaction. You need to use a third-party invoicing service and choose the ""PayPal Business Payments"" option. FreshBooks or Zoho Invoice might work."
Merchants that accept American Express should have decided that the extra costs are worth the increased business (many business travelers only have an Amex Corporate Card).  To complain about people actually using it after they've explicitly decided to accept it is a sign that they made the wrong decision, or that they are very short-sighted.  No one is forcing them to take a particular card.
Personal needs? No bank is going to give you that kind of cash without a real reason, usually with some equity backing it. From your post you say you are a student, so I doubt you even have the income to pay it back.  If banks just gave out cash like that people would disappear with it all the time.
Your basic assumption is incorrect. You don't normally go to a bank to borrow money to invest, but brokerages do it all the time. It is called trading on margin.
Best advice is to ask your lender.  That being said, if you are changing jobs, but keeping the same type of job you are usually ok and if the loan was approved before, it would still be approved. If you switch from W-2 to 1099 or vice-versa, permanent to contract, switch industries (software dev to accountant), or make less money there is a strong risk of the loan being declined.
Interest payments You can make loans to people and collect interest.
You mean auto dealer bailouts? Has happened multiple times already.  Also dealerships have been doing this type of lending with banks for years.. which is why direct sales is likely a mu have better model than dealership model...but hey I didn't invent this.
Considering that we are in a low-interest rate period (the lowest in history), it's smart to loan money from the bank to reinvest in property or other investments as far as you get a better yield (ROI) than the interest.
You need to know that the loan will cost you additional money every month. You need to know how you are going to pay that overhead in addition to what you're already paying. The best answer is to reduce your spending to build up a reserve you feel comfortable with, and then NOT spend that reserve except in emergencies. If you need a short-term answer, I'd suggest borrowing from relatives. Failing that, I'd suggest talking to a bank about establishing a line of credit but NOT drawing upon it until and unless you have Absolutely No Other Choice. That gives you a preapproved option when you need it at (usually) a much, much better rate than credit cards... without costing you anything until and unless you actually do need the money, and (if you don't have it set up to kick in automatically on overdrafts) without making it so easy to get to that you're tempted to use it before you must.
Sounds like what you really need is a budget instead of a loan. I like following the four budgeting rules recommended by the team at YNAB. They even have software that helps you through the method even though you can use the method by itself without needing to buy the software. I'm not affiliated with them...just a happy customer! Following these simple rules has allowed me to stop living pay-check to pay-check.
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If your intentions are honorable and you intend to pay it back in full and with interest, doesn't matter where you borrow the money from. But as a rule,  family/friends and money don't mix.
As a personal advice, its best avoided to take a loan for a vacation. Having said that it would also depend on the amount of loan that one is planning to take and the duration for repaying the loan and the rate of interest.   One has to also consider if you borrow; when you are paying the loan back, is that money comming out of something else that was budgeted. Say paying this loan means that you can't save enough for the downpayment for your house you plan to buy next year or will mean less contributions to retirement savings. If so then its definately advisable to forego the vacation travel. You can still take the holiday and enjoy at home doing something else that of meaning.
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Some other unsecured loans that are common:
The problem with that is that banks create the money they lend, thus they are able to lend far more.  Individuals can only lend money that has already been created, and are at a big disadvantage.  If it weren't for the federal reserve money printing machine, it would be a viable lending scheme.
If your parents can spare it, take the money from your parents and return it to them with interest. It is always better to pay interest to family than to a bank.
The most obvious one these days is unexpected and extended unemployment. If you are living paycheck to paycheck, you are asking for trouble in this economy.
(he has many books, DVD's educational material, seminars...etc) Rich Dad is also very diversified and has [other business interest such as mining companies, oil and gas, solar, venture capital...etc](http://en.wikipedia.org/wiki/Robert_Kiyosaki#Business_ventures_and_investments) The above referenced Forbes article goes on to say: ""Rich Dad Co. CEO, has informed them that Kiyosaki would not be putting any of his personal fortune toward the settlement. As for Rich Global, Sullivan claimed it only had a few million in its coffers."" So here is a case of a legitimate lawsuit, it was heard in court and Rich Dad was ordered to pay $24 Million to his former partner(s). He claims he can't pay it and files for Corp BK... Yet his personal net worth is over 3x that amount (not to mention the net worth of his new company) - not to mention future sales. Thanks to some financial and legal gymnastics his partners get screwed out of their share of earnings. I fail to see how this isn't an example of abusing the system. Rich dad isn't even offering to pay out on future sales or even trying to negotiate a lower settlement. He just pulled out the BK card and FU - his debtors will get pennies on the dollar. It seems that our ""perspectives"" on ethical business practices are at opposite ends of the spectrum. In my opinion, utilization of the BK laws in this manner which effectively makes one completely exempt from liability or financial responsibility is exactly what is wrong with the Unites States (at least one reason). If you can't (or refuse) to see this or you truly think ""this is just good business"" then..I don't know what else to say other than you are part of the problem. ******************** Oh and I never addressed your other point... &gt;first you would be breaking the law for driving without insurance. No problem. I'd pay the +/-$500 ticket and keep moving - while you drink your meals through a straw."
Sorry to hear about this happening to you. You should file a lawsuit in small claims court and get a judgement. Unfortunately, you are probably one of many creditors, and are unlikely to get much, if any, money back.
I really can't continue this conversation. I have provided plenty of information, supporting links and examples. It is clear that you are unwilling or just unable to concede (at ANY LEVEL) that it is even possible that someone would/could manipulate BK laws to avoid liability. This discussion is turning into the equivalent of someone trying to describe the color red to a blind person. No matter what I present to you - you just can't see red. You are obviously entitled to your opinion and just for the record I have not downvoted a single one of your posts - however, due to your instance and firmly held belief that this type of business practice is ""smart business"" I restate that (in my opinion) you are part of the problem. *edit: Yet more fat fingered spelling mistakes... my typing skills need improvement"
Now you can't give them away. That value is gone, it's just vanished. The money that bought the pants was real, the pants are real, but they are no longer worth anything. The person holding that warehouse full of pants now has to *pay* to either store of dispose of them. They might start bouncing checks and breaking promises. There was no fraud, but there also might not be any way to recover the money owed. $10mm worth of parachute pants is now negative $1mm worth of trash that has to be disposed of and mortgage obligations on the warehouse. I hope some of that makes sense. It is really hard to explain this stuff via analogy and hypothetical and the kinds of terms that lawyers think in, if you will forgive me for saying so."
This article leaves quite a bit of information out, I gather. Poorly written. How many corporations is he getting paid from? What were the terms of the agreement? It sounds like Kiyosaki himself isn't going bankrupt, it sounds like some small, off-shoot is taking the brunt of the damages so the rest of his assets can move on. This guy knows how to protect himself and his companies. This could be nothing more than a parking ticket for him, and this news website decided to sensationalize it. What a surprise.
That's because a libertarian is trying to run the company using libertarian principles and it turns out that it is a terrible *terrible* way to run a business.         EDIT:     You can downvote reality, but that dosen't change it.      http://www.pbs.org/newshour/making-sense/column-this-is-what-happens-when-you-take-ayn-rand-seriously/       http://www.salon.com/2013/12/10/ayn_rand_loving_ceo_destroys_his_empire_partner/       &gt;[As Mina Kimes explained in a fascinating profile in Bloomberg Businessweek](https://www.bloomberg.com/news/articles/2013-07-11/at-sears-eddie-lamperts-warring-divisions-model-adds-to-the-troubles), Lampert took the myth that humans perform best when acting selfishly as gospel, pitting Sears company managers against each other in a kind of Lord of the Flies death match. This, he believed, would cause them to act rationally and boost performance.  &gt;If you think that sounds batshit crazy, congratulations. You understand more than most of America’s business school graduates.  &gt;Instead of enhancing Sears’ bottom line, the heads of various divisions began to undermine each other and fight tooth and claw for the profits of their individual fiefdoms at the expense of the overall brand. By this time Crazy Eddie was completely in thrall to his own bloated ego, and fancied he could bend underlings to his will by putting them through humiliating rituals, like annual conference calls in which unit managers were forced to bow and scrape for money and resources. But the chaos only grew.      https://www.bloomberg.com/news/articles/2013-07-11/at-sears-eddie-lamperts-warring-divisions-model-adds-to-the-troubles     Deal. With. It.
My uncle seen the writing on the wall a year or two ago. He retired early and got his pension out of the company. Apparently the pensions are invested back into the company so they don't only loose their job when the company fails.
* Trump International Hotel &amp; Tower Las Vegas – Through the end of February 2010, the 1,282-unit condominium hotel had only closed on 302 units. That equates to a 23.6% vacancy rate. It was forced into renting out the building as apartments. * Trump International Hotel &amp; Tower in Dubai – This 62-story mixed-used building on the Palm Jumeirah’s Golden Mile was first announced in 2005. Construction was never started and the $2.9 billion project had been canceled and replaced with a shopping mall. So, back to your distinction - has he filed for personal BK? No. Has he filed for personal BK protection while he reorganized debt - YES. Does he manipulate the Corporate BK laws by playing a Corp shell game and filing for BK protection - Yes. Is it smart business? Or a scam? TL:DR - Magnets Bitch! *Edit for formatting"
1. Baby boomers homes ending up in the hands of the bank.   2. Millennials can't afford houses bc of school debt/cost of living increases  3. Slow move away from major cities to cheaper areas  4. Real estate boom from foreign investors developing all these luxury homes/condos  Add them all up prices crash again
"&gt;If you're argument held true in court, no one could sue anyone successfully.. That is my point. Admittedly, my above example is very simplistic - but it was designed to simply illustrate my point. And no, buying a shares of Google or Exxon or whatever other equity would not make you lawsuit proof....otherwise all you would need to do is open a brokerage account. I won't go into this on post but I would be happy to type out a few real examples - they involved Trusts, Holding LLC's and even suing yourself... This whole conversation started by the article about Robert Kiyosaki getting sued by his partners, getting a judgement against him and instead of paying his former partner - he BK's one of his companies to get out of debt. Rich Dad's estimated personal net worth? [$80 Million](http://www.forbes.com/sites/helaineolen/2012/10/10/rich-dad-poor-dad-bankrupt-dad/) How many books has he sold? JUST the Rich Dad Poor Dad book has sold over [26 MILLION copies](http://en.wikipedia.org/wiki/Rich_Dad_Poor_Dad#Publishing_success)...and obviously that doesn't count future sales. (he has many books, DVD's educational material, seminars...etc) Rich Dad is also very diversified and has [other business interest such as mining companies, oil and gas, solar, venture capital...etc](http://en.wikipedia.org/wiki/Robert_Kiyosaki#Business_ventures_and_investments) The above referenced Forbes article goes on to say: ""Rich Dad Co. CEO, has informed them that Kiyosaki would not be putting any of his personal fortune toward the settlement. As for Rich Global, Sullivan claimed it only had a few million in its coffers."" So here is a case of a legitimate lawsuit, it was heard in court and Rich Dad was ordered to pay $24 Million to his former partner(s). He claims he can't pay it and files for Corp BK...
This hasn't spread as far because Fry's isn't very well known on the Internet in comparison since they only operate in a few states - but they're dying far, far faster than Best Buy. Just last week, their Sacramento location had not one single hard drive in the whole building. Why? Well, it turns out, they're months behind on paying their vendors.  http://frysforum.com/discussion/2930/confirmed-frys-electronics-in-financial-trouble/ There's a few source links in there, and it jives with what my old coworkers who haven't escaped yet tell me.
Well basically a lot of dot-com companies that had no real plans for having actual profit's, self-destructed. I had worked for a company called VarsityOnline.com which was depending on endless money from investor's, and had never really made any kind of profit, for which it had ample opportunity. People lost sight of reality, that just because it wasn't a real brick and mortar store, that common sense, good service and good products didn't matter. We were so clueless back then.
Its original owners envisioned it as a luxury resort that just happened to have a casino, and eschewed many staples of casino culture, including a buffet and bus trips for day-trippers. But that strategy - as well as the only overall smoking ban in Atlantic City - turned off customers, and Revel filed for bankruptcy in 2013, a little over a year after opening.  Yup - stupid plan in the beginning killed it.
He also was paying himself 3-4x more than the average CEO for his company and when his business partner (brother) found out he sued. This guy then up'd the salary and cut his to 0 in an attempt to win favor.   Pretty scummy thing to do if you're hiding that from your brother and business partner
allegedly.   Also, that's a pretty loose definition - there's a business in everything.   |/r/business is not the place for stories about the government's economic policies or corporate corruption.  I'm more concerned with the quality of the article, almost zero actual citation and tons of embellished speculation. This is at best, /r/corruption, /r/politics, /r/sensationalism, but in truth, is a low quality piece of propaganda that you continue to spam reddit with. Then again, judging by your post count, I'm pissing in the wind here.
&gt; cough cough blockbuster  Blockbuster was ten thousand little independent franchise companies that rented videos to individuals at the strip mall.  The franchises paid dues to Blockbuster Corporate for advertising and marketing.  Essentially, Corporate was the franchise Union.  If your Union/Corporate was going to cut all the employees/franchises out of all the revenue and business (streaming like Netflix) then there would be problems.  The only choice was for Blockbuster to go out business, otherwise, they would have had to buy back all the franchises at full retail value and pay future profits.  It was cheaper to close them down, have the execs take their bonuses and wave at Netflix.
Another case of a company retaining control of the pension fund and suddenly not being able to pay out. When will people learn? Pension shouldalways be paid out to a third party account that the employer can't touch once it has been deposited. That way you dont risk the company taking your pemsion with it when it goes under.
The collapse is truly stunning, and was completely avoidable. The executives drove that company into the ground, completely ignoring the iPhone when it came out. They were full of hubris. They were the kings of Wall Street, they could do no wrong and wasted cash like you wouldn't believe. Meanwhile, inside the company, there was no communication, no vision and no execution. Sad, really.
Possibly living beyond her means but I assume that was the business gross and 300K in Utah is not that great. I have no idea what the margin is in the plant nursery business or how many employee's she had but I bet her personal income was closer to 100K. Once people stopped buying plants to fix up their homes to flip it was all over for her I'm sure.   The bigger problem is that this is playing out for millions of other people that relied on housing for an income from real estate sales people, loan brokers, builders, construction workers simply everything downstream of housing has been hit hard and many many people are in this same boat or soon will be.   The really bad thing is there is no quick fix for all these people as housing is not coming back for years if not decades. So basically we have a whole segment of the economy that has been decimated and these people have no where to turn. It's not going to be pretty any way you look at it.
Law and business go hand-in-hand. Thank your luck that you are not personally experiencing this sort of misuse of our legal system. It can financially ruin people and not everyone is prepared to be sued or even knows what to do if they are.
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"We blindly sped ahead, and our cash demand ballooned, he said. ""We got over-extended in our global strategy. At the same time, our capital and resources were in fact limited.""  Translation: We tried to do shit in hindsight we totally should have known we couldn't afford."
Your thinking is a little extreme!  V could go under... but chances are very remote.  Similarly I can't answer if someone asks if the Feds can go under. Looking at our awesome debt levels and no way to dig out of it, that is definitely a possibility. But will it happen?  Probably no.
De vanligste virksomhet risikokategoriene er som følger: **Kommersielle:** inkluderer risikoen forbundet med Markedsplassering, vekst,diversifisering og kommersiell suksess. Dette gjelder den kommersielle levedyktighetenav et produkt eller tjeneste, og strekker seg gjennom for oppbevaring og deretter vekstav en kundebase. **Samsvar / juridiske:** inkluderer juridiske krav som lover, forskrifter, standarder,forskrifter og kontraktskravene. Denne kategorien strekker seg også til samsvar medflere ""regler"" som retningslinjer, prosedyrer eller forventninger som kan angis avkontrakter, kunder eller det sosiale miljøet. **Økonomisk:** inkluderer kontantstrøm, budsjettmessige krav, skatteforpliktelser, kreditorog debitor, godtgjørelse og andre generelle ledelse bekymringer. **Helse &amp; sikkerhet:** omfatter sikkerhet for alle knyttet til virksomheten. Dette utvider frapersonlige sikkerhet, arbeidsplass sikkerhet, offentlig sikkerhet og sikkerhet oghensiktsmessigheten av produkter eller tjenester levert av virksomheten. **Driftsmiljø:** inkluderer tap eller skade på ulykker eller naturkatastrofer som brann, flom,hagl eller stormer. Kan utvide til eiendommen skader forårsaket av burst vannrør ellerstrømbrudd.
I can see three possibilities:  * The money was illegally transferred and used for operating costs when they started having trouble.  * The company was playing Enron-like accounting games, and were reporting imaginary profits and gains.  In that case, the money never really existed.  * The money was outright stolen, and is in somebody's offshore bank accounts.  Or some combination of these.
There are a couple of reasons, including:
I agree but...  ( i didn't read the article in its entirety!)  but if her business was grossing $300k per year...  and for her to fall so hard in such a short time, tells me that even with such a large income, she was still living beyond her means.
Mitt Romney got his money out in time.  They just closed our local Staples store. I don't know why there was one in our town of 15k people anyway, there is another store 5 miles away in the next town. It seems that Staples may have been focused on growth of stores rather than smart growth in areas with demand requiring supply.
It sucks for them, but it sounds like they brought it on themselves. They didn't hire an attorney to correct their entirely misguided non-response to the problem, then proceeded to make every mistake in the noob book.  I 'kinda' feel sorry for them, even though they seemed to run their business in a completely unprofessional manner. If there's any truth in that rambling story, it sounds like they've managed to work themselves into an 'impossible to win' position.