vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"This is the best tl;dr I could make, [original](https://priceonomics.com/which-companies-have-the-highest-revenue-per/) reduced by 90%. (I'm a bot) ***** &gt; Technology companies performed at the lower end of the range on Revenue per Employee; part of the reason for this however, is other companies in spaces like Energy and Healthcare have large non-employee costs that Technology companies do not have.  &gt; Average revenue per employee in the Energy sector is double that of Healthcare companies and almost four times as high as that of Information Technology companies.  &gt; Apple has the highest revenue per employee in this selection of technology companies.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ejb01/it_companies_like_accenture_have_among_the_lowest/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~133501 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **company**^#1 **revenue**^#2 **per**^#3 **employee**^#4 **Healthcare**^#5"
"This depends entirely on the kind of ""IT"" you're doing. A couple of examples to illuminate how wide the term is: To answer your core question: look beyond the title (""IT""), to the function you're providing to the bank, and ask if / how that function can generate money for the bank for better income possibilities; if the answer is ""none"", figure out which levers are closer to making money, and position yourself as such."
This industry is either you are in or you forever won't, and it started since highschool the time you picking your collage and major.... So for average Joe like me, I should be picking  a career in computer science instead... Now I am stuck as a supporting analyst with career ending nowhere...
I've only got the equivalent of an associates (I think). It's a three year program at the Technologist level. It was not an easy program. We lost 1/3 of the remaining class each year it seemed. I think the money is due to the multidisciplinary nature of the work. Chemistry, electronics, mechanics, physics, programming, networking, all at a reasonable level on a daily basis. Plus there is an insane amount of responsibility right out of the gate and some people don't handle that well.
I work at a leasing (financial) company and I completely agree. The only Apple products you will use are the iPhone-if it is bring your own device- or the iPad, if adoption of the Microsoft tablets does not take place. Excel is your best friend in finance and that is why I recommend a PC. No one at our company uses a Mac.
It's all really personal preference and dependent on how your lifestyle/hobbies are. I have a friend who majored in Marketing and is now making 80k/yr out of college as he is also into web design.  However, in my opinion, Finance would be the most exhilarating and Accounting would be the most stable.
"Most of the work done as an analyst or associate depends on whether or not you are assigned to a deal at the time.  If not, you're probably going to be working on pitch books, which is basically putting together a firm template-style powerpoint file ""pitching"" a company to a potential client.  The pace is slower, but the work is boring.  If you're on a deal, then the stress level is raised as you have to respond to client demands and timing immediately.  You are typically doing some basic forms of analysis/modeling and then importing that into a powerpoint report.  You are working on these reports endlessly, turning review comments from associates, VP's, and MD's.  As you get higher up the chain you do more of the dealrunning (communicating to all the various parties to the deal, third party diligence, buy-side, etc.) and client-facing activities.  You can find a lot of good info on the finance industry on wallstreetoasis.com.  I'm personally in transaction services doing diligence work at a Big4, and I've always found WSO to be a good resource for at least basic info.  You obviously need to weed out the people who are dumbasses/don't know anything (current students), but plenty of guys actually in the industry post regularly."
Why not combine CS and finance? It's a deadly combination! A few schools out there are offering degrees in Quantitative Finance. Check out Stevens Institute of Technology, they have a great program in the field (I'm currently an undergrad there and I love it).
only job a friend found loosely in the field, with a degree in Economics was hustling investments to friends. He had supportive parents who let him move home, took an accelerated MBA program, graduated and now has an actual job in finance in the gov't.
I swear on my grave that this is exactly why I got into automation and the technology behind it. It's booming, and there are a stupid amount of jobs at all levels.   &gt;First year out of college 70, then 100 the next. I was offered another job via networking last winter so this year I made 80 but I work at a much better pace and have much more control over what I do, and I don't have to travel. I used to like all the travel though. I'm just following through on another offer this week which is another raise with more perks.   I graduated in 2008 during the deepest part of the recession.   It's not bragging because none of you know who I am. Frankly I'm not sure what to think.
Since I got downvoted for poking fun at   &gt; I've come to realize I don't really enjoy the engineering aspects of my job nor the industry, but I enjoy corporate culture.  Here's some info for those actually interested:   https://www.wallstreetoasis.com/forums/corporate-strategy-vs-corporate-development https://www.mergersandinquisitions.com/corporate-finance-jobs/ https://www.mergersandinquisitions.com/day-in-life-corporate-finance-analyst/ https://www.quora.com/Strategic-Management-What-is-the-typical-day-in-the-life-of-a-corporate-strategy-consultant https://www.mergersandinquisitions.com/corporate-development-on-the-job/      Corporate finance (Controllers, FP&amp;A, Treasury) is a catch-all for jobs that quantify and manage a company's money. This includes figuring out how much money the business is making, budgeting, and gaining access to money for future plans. They spend most of their day on excel, browsing reddit, and complaining that other departments don't take them seriously. There is work-life balance, unless your company is at risk of bankruptcy, but pay will likely be the least of this group.   Corporate strategy/development is about finding ways to achieve the vision/goals of the C-suite. Corporate development usually are ex-IB people and focused on finding companies to acquire, integrate, and achieve the goals of the acquisition (synergies, returns on investment, technology/product acquisition). Corporate strategy is usually broader and could be focused on improving the brand, figuring out new uses for a product, finding new partners, or generally looking for good ideas to improve the company.  Business development usually is about growing the company through finding new customers, markets, or partnerships. Instead of selling specific products or services, you're selling your company's abilities and brand.   I'd say, with your engineering background, if you can swing a corporate strategy gig, you'd have the greatest opps for any VP you decide. I'd say if you want to sell or are good at selling, then business development may be compelling. If I were you, corporate finance would be the least appealing unless you are truly interested in finance.
&gt; I work in strategic finance for a major tech company in Silicon Valley.  That would explain why you're such a self-absorbed douche.  LOL.  I can't take you seriously anymore.  You probably take it up the ass too and wear pink sunglasses.  Fucking reject.  Stay out there in CA.  You're a giant joke.  I'm blocking you so I don't have to see your responses.  You're a pathetic child and you know it.
Niether do I.  But that's the plan. The loan pales in comparison to the average salary in financial engineering. You don't specifically need an MFE to get in either. You could do a masters in physics, statistics, operations research, mathematics, or computer science for instance. Check the program and make sure it's highly quantitative or heavy on the computer science aspect. You'd be able to get your foot in the door.
Previously a commercial credit analyst for a mid level financial institution. Now financial analyst in automotive Just master Excel!!! This will be the most valuable skill for the rest of your career in finance. Focus on excel, learn to program, and learn how to kill interviews. You will learn the rest along the way.
"Typically in on campus recruiting, at, as you said, a limited number of schools. It seemed safe to assume this wasn't OP's situation. ""Breaking in to banking"" is effectively impossible for a random profile post-graduation from a non-target.   As it turns out, the job OP is talking about isn't in this area so it's irrelevant."
Well slightly not /r/Finance, but the scientific community is hurting for money. It's very hard to secure a career in academia or even scientific research, and from the current U.S. Government's administration, funding will likely get scarcer. Most Ph.D quants *were* actually with NASA or in a lab, and they left to finance.
Just sat the Level 3 exam here.  I know a few folks who have passed their exams coming in from an Mech Eng background.  You're certainly at a disadvantage not knowing some finance, but don't let it discourage you.  Passing is more about working hard and self-discipline than prior finance knowledge.
It's not just salary. I went through university during the dot com bubble and graduated in 2002 into a brutal job market. Programmers took it in the chin during the recession, especially in the areas that now have high demand again, and then suffered through a decade of outsourcing fads where programming and IT were the number one targets. CS enrolment at almost every university plummeted, often by 50% or more. It's only been in the last few years that the job market for programmers has recovered, and only then in very specific regions.  Is it any wonder that people are still gun-shy about going into CS? The current demand for programmers is largely driven by bubble investment in social media startups, which is itself driven by huge amounts of capital looking for high returns in a post-2008 environment of low interest rates. It's not hard to imagine another collapse and a return to the mass firings and outsourcing of the early 2000s. Not to mention that the average career in programming is something like fifteen years...  The athletic analogy isn't a bad one. It's a good paying job right now, but there's an insane amount of risk and stress involved in being a programmer at one of these high-paying companies.
Jeff Bezos; just like Jobs, Ellison, Zuckerberg, will never understand the plight of their employees.  Their main goal is how much wealth and power they can consolidate for themselves.    The Tech industry in general is a pretty horrible industry; huge profits very little return to the economy.  Unless we vote in better politicians, we will always have to remind tech CEOs that charity begins at home.
wow thanks for the info. So if i wanted a masters in finance, should i take  math electives to get them out of the way earlier? I'm a senior in high school and I'm very interested in finance, but I'll admit not the best at math..
I'm a Senior Engineer at the top tech company in the world... I've been here since I graduated in 2010.  I still cannot afford to buy a decent house in any neighborhood within 20 miles of my workplace.  It's kind of disheartening imagining the kind of situation people who aren't as lucky as me job wise must be in.
Its not H1-B visa, its the L1 Visa. L1 Visa have no minimum wage and people working on L1 can get Green Card faster. Some guys I know make around 40k/year in Silicon Valley @ Apple.   H1-B scare is little bit overhyped in comparison to L1 visa. Anyway, people dont do their research and believe only these news channel say. H1-B is really helping US, atleast 60-65% are useful. Even if you a person is hired by H1-B, company has to invest more in HR and lawyer fees as a company by itself would not be able to apply. L1 Visa on other hand has no limit on salary so you can keep a worker at a drastically low rate which would for sure increase your profits. There are no year limit on L1. While H1-B have a max limit of 6 years. (Source: my collegues and USCIS website). Let me know if anything is wrong here .. still researching on this..
Also, from personal experience, most banks' internal IT systems are bare minimum to keep working. Outside of trading systems the back office are often on Lotus Notes 99 or similar just because back office is seen as a cost and it's easy to justify not upgrading IT systems.  For sure, if the ROI is right it might get approved but it's hard to overstate how much time of your average back office employee is already spent fighting shitty systems that could be improved with today's tech.
I was a math undergrad and transitioned into a career in finance that isn't quant. I also just sat for CFA Level I and you're right - it's basically what you would learn as a finance/Econ undergrad. I found my math degree to be a really good differentiating factor when applying for jobs amongst a sea of business majors.
Pay it off. If you do so, you have the liberty to drop or reduce a portion of your collision auto insurance coverage (keeping uninsured motorist). This could potentially save you a lot more than 20 bucks over the next six months.
I ended up writing a simulation in R. Here is my code: It produces a plot like this:  This code assumes you have a lump sum and either wish to pay down a loan or invest it all immediately. Feedback welcome.
I suggest you buy a more reasonably priced car and keep saving to have the full amount for the car you really want in the future. If you can avoid getting loans it helps a lot in you financial situation.
This post has a great discussion on the topic. Basically, there is no single interest rate above which you should pay off and below which you should keep. You have to keep in mind factors such as
the math makes sense to invest instead of paying down, but... how much would you borrow at 3.5%, to invest the money into the stock market? It's the same question, just turned around.
"I think the risk involved with the ""fund gaining a larger rate of return"" is probably priced in. Why would the bank take the risk on you with a car loan when it could put it in the same fund you're talking about and make more money?"
Thanks. I'm going to have them take 40% on Monday when I go to the lottery office.  I have a car payment that's been killing me, so that's the first move.  Student loans have a fairly low APR, Sotho king about keeping those to build credit.
Many factors really. No loans but my HOA is $240 per month. Car is $292. I keep having my bikes stolen (mine twice and girlfriend's once within the past 4 months). I hit a pothole and tore a hole in my oil pan last week, AC broke a few months ago in my condo. I just can't get ahead but I'm hopeful.
to know the reasons, please click the link above and read this post. for sure you will learn a lot from this piece most especially on how you can always pay your financial obligations, like your credit card bills and monthly loan payments, on-time and in-full, each month.
Interesting: reddit, according to [privacyscore.com](http://www.privacyscore.com/), has a score of 50 out of 100 whereas target.com has 49 (up one point from the article).  &gt; ... privacyscore.com and it will rate it from zero to 100 based on the number of trackers on every page.
"This is the best tl;dr I could make, [original](https://www.linkedin.com/pulse/ten-years-after-subprime-mortgage-crisis-us-credit-card-walden-siew) reduced by 84%. (I'm a bot) ***** &gt; Things have come a really long way since the dark days of the credit crisis, and it&amp;#039;s really flipped completely the other way where now it doesn&amp;#039;t really take great credit to get a credit card.  &gt; MS: This is definitely a case of history repeating itself, but the thing is we don&amp;#039;t know what the tip of the mountain is when it comes to credit card debt, because when credit card debt started to fall in 2008 in the credit crisis, credit card debt wasn&amp;#039;t the central problem that sent us over the edge.  &gt; MS: We really have seen all levels, from folks with less than perfect credit to folks with 800 credit scores spending more, and that has been part of what&amp;#039;s driven up America&amp;#039;s credit card balances to these record levels.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6txd7q/ten_years_after_the_subprime_mortgage_crisis_a_us/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~191596 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*: **credit**^#1 **card**^#2 **debt**^#3 **really**^#4 **crisis**^#5"
They will include the rental income into the calculation. They don't give you a 100% credit for the income because they have to factor that you might have a gap between tenants.  Years ago they only credited me with 66% of the expected monthly income.  Example: This expense was then supposed to come from the 10% of my income that was allocated for monthly non-principal mortgage loans, e.g student loan, auto loan, credit card debt...
"At one point in my life I sold cars and from what I saw, three things stick out. Unless the other dealership was in the same network, eg ABC Ford of City A, and ABC Ford of City B, they never had possession of that truck. So, no REAL application for a loan could be sent in to a bank, just a letter of intent, if one was sent at all. With a letter of intent, a soft pull is done, most likely by the dealership, where they then attached that score to the LOI that the bank has an automated program send back an automatic decline, an officer review reply, or a tentative approval (eg tier 0,1,2...8). The tentative approval is just that, Tentative. Sometime after a lender has a loan officer look at the full application, something prompts them to change their offer. They have internal guidelines, but lets say an app is right at the line for 2-3 of the things they look at, they chose to lower the credit tier or decline the app. The dealership then goes back and looks at what other offers they had. Let's say they had a Chase offer at 3.25% and a CapOne for 5.25% they would say you're approved at 3.5%, they make their money on the .25%. But after Chase looks into the app and sees that, let's say you have been on the job for actually 11 months and not 1 year, and you said you made $50,000, but your 1040 shows $48,200, and you have moved 6 times in the last 5 years. They comeback and say no he is not a tier 2 but a tier 3 @ 5.5%. They switch to CapOne and say your rate has in fact gone up to 5.5%. Ultimately you never had a loan to start with - only a letter of intent. The other thing could be that the dealership finance manager looked at your credit score and guessed they would offer 3.5%, when they sent in the LOI it came back higher than he thought. Or he was BSing you, so if you price shopped while they looked for a truck you wouldn't get far.
I froze my credit online yesterday.  Last page of process confirmed I had frozen credit and told me to print last page because it has information I will need to unfreeze it.  Page was blank. So I waited. Then I got timed out.  Then I got a page telling me I had not frozen my credit.  I had called a few times yesterday but always got a busy signal.  So, at 5:06 est I called them again. Before patching me through to a live person that asked if I'd be willing to take a short survey after speaking with rep, which I agreed to do.  When my call was transferred I got a message saying they worked nine to five and to call back later.  Then the survey started.  Needless to say, the scores were the lowest possible.  And apparently unfreezing my credit will be problematic.  Yippee!
I should add that it's a good defensive measure in case your information gets hacked, as mine likely has. You need to do it with all three agencies, and it costs five of ten dollars. Equifax has waived the Dee.
Hate to burst your bubble OP, but the average banker has ZERO control over corporate's relationship with equifax. It's silly to suggest that demanding those answers from your bottom-of-the-corporate-ladder teller or financial advisor is going to warrant you any real answers. Source: am banker.
"I think you already have a lot of good ideas here. I also don't agree with going with a company to ""repair"" your credit. They don't have any secret method on how to do so anyway, it takes time and hard work.  Cut out things that you are more luxury items. Cable for me is a must (Haha) but I can go without having HBO, showtime, etc. Make a list of the things you currently pay for and you will be able to see exactly what you can't ""live without"" and what you can live without.  The good thing nowadays there's so many side gig options available! Check out this article here: https://www.learnvest.com/2017/06/this-is-how-much-you-could-make-through-airbnb-uber-and-7-other-popular-side-gigs. This goes into detail on how much you can make on these sites on a monthly average. Since you're in IT, you can use fiverr! I've used fiverr a lot of projects, you create your own deadlines, work schedule, you accept the jobs you want, similar to your UBer and Lyft but Fiverr has a lot of contractors with a variety of skills specifically in IT, lots of demand for web developers not sure what IT field you're in.  Hope this helps! Good luck!"
Top 10 Reasons for getting rejected for Credit ~ with some recommendations to fix it. If you have questions about credit, loans or financial planning in general ~ I'm always available ~ If I don't know I will find out for you!
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**Absolutely do not ever use one of these loans**. These loans will lead you down a long road of huge interest and credit trouble. They are nothing more then legal loan sharks. But I'm sure I don't have to tell the people of /r/finance this. Do I?
Le stockage de la glace peut prendre beaucoup d'espace, donc vous devez vérifier en fonction de l'espace et du besoin. Il n'y a pas d'espace commercial qui fonctionne sur un budget illimité; Nous avons tous nos propres contraintes à surveiller. Vous devez vous concentrer sur une machine à glaçons qui convient parfaitement à tous vos besoins, sans brûler un trou dans votre poche.
A look at the utility bills should give you an idea of the actual number of tenants.  Some places- like I once read of Carmel, California- may require you prove you have enough water to support more rental cabins.  You may find the nearby community is anti-growth. If a profitable expansion were possible, I'm wondering why the current owner didn't do it.  Since a fire or flood could destroy all, you'll want to know what full replacement-value insurance and riders will cost.  Can emergency vehicles travel the current roads, or is the new owner going to be liable for any costs to widen, cut back brush, and otherwise bring up to code? We did this on the access to our property, then the County graded it.  If the location is so remote that a storm could cut you off, you'll want to mentally and physically prepare for this. I've lived in remote areas and it can be heavenly-until someone needs an emergency MediVac. Ensure you've got good antenna for CB or HAM-don't rely on cell alone.