vania-janet/multiturn-rag-retrieval-data huggingface dataset:
It takes about 4-5 workdays, maybe it depends on the day also when you start the transfer. I transferred an amount last Wednesday, and the same amount on Thursday too. Both transactions hit the destination account on the next Tuesday, with a difference of 2 minutes.
Great effort on the question. All I can advise is: If paypal does not provide the mapping table (Type, Status, Credit/Debit) you will have to build it up yourself as you go along. I would tackle it this way: Your SQL mapping table has Credit/Debit entries for all knows combinations and the Credit/Debit entry would be -1 for all. Then, as you get a list of transactions you will have to display all possible results to the user who will then tick the correct one (comparing it to the balance). You would store the Credit/Debit entry if it is unique. This way you will learn what the possible combinations are over time. Its a to the nth problem, so maybe start with a small number of transactions first. I expect you can build up pretty quickly. It will be an interesting experiment...
This is a wonderful comprehensive answer as it relates to transferring goods, and evaluating profitability. I would like to add to your post and comment about a few other costs that are transferred. First though, I disagree with your comment about transfer pricing being about opportunity cost. I think transfer pricing is first and primarily about the matching principal. Properly matching expenses incurred to the revenues generated from those expenditures, or in the case of period expenses, to those entities that received a benefit in the proper period. I don't work in tax, so I'm by no means an expert in this subject, but I am a CPA and I feel I have a solid understanding of the subject. Some additional items going through TP might be: interest, shared corporate services, the amortization of intellectual property, technology fees, and depreciation charges. This is not a comprehensive list, and please don't take it as such. None of these need apply to every company, and certain industries and even individual companies will have exceptions. For example, for various reasons, a multi-national conglomerate may choose to maintain separate treasury functions for it's vastly different businesses, so you may not see much interest TP. Interest is pretty straight forward, and is the interest a company is paying on a debt. Not all interest is transferable, but a classic example might be borrowed funds used for an acquisition. The interest cost associated with that should be transferred in part back to the original entity. Short term borrowing costs used for operating capital is another classic example. Shared corporate services are centralized functions like a legal department, accounting department, executive offices, and the like. This can also be an IT department or in the instance of an international website (maybe google), an operations team monitoring the server loads and up-times. IP could just be patents that have definite lives that a number of businesses are benefiting from. IP is a bit of a mess to get into for various reasons and I'm trying to stay focused in this post. Some reasons for complexity include: the valuation, life of the asset, benefit of use, is the entity even really using it?, etc. I would imagine this is where companies get away with A LOT. Technology fees can be software licenses (Windows ain't free).
Why ACH transfers are free and wires are subject to fees? Because ACH transfers can be done in batch, and are much easier and cheaper for the banks than wire transfers which must be reviewed individually, are somewhat safer (partly because of this review) and faster, but are more expensive for the banks to process.
In the UK at least, we have Credit Unions. Credit Unions are not-for-profit organisations that don't pay interest on your balance, but instead give you a share of their profits at the end of the year (or at least my local branch do). This normally equates to around 1% of my balance.
Just one more thing to consider: a friend of mine had some student loan debt left over from graduate school. Years later, through his employer, he was able to apply for and receive a grant that paid off the remainder of his student loan. It was literally free money, and a significant amount, too. The windfall was a little bittersweet for him because he had been making extra payments over the years. The cap on the grant was something like $50k and he wasn't able to use all of it because he had been aggressive in paying it down. (Still, free money is free money.) Sure, this is a unique situation, but grants happen.
I elected to use an income-based repayment plan, which reduced most payments to $0 so I can focus on them one at a time.
From medicaid.gov: Although pharmacy coverage is an optional benefit under federal Medicaid law, all States currently provide coverage for outpatient prescription drugs to all categorically eligible individuals and most other enrollees within their Medicaid programs. This is related to the Medicaid Drug Rebate Program, which offsets the Federal and State costs of most outpatient prescription drugs dispensed to Medicaid patients. Approximately 600 drug manufacturers currently participate in this program. All fifty States and the District of Columbia cover prescription drugs under the Medicaid Drug Rebate Program I can't give you any specific details about patient assistance programs, but rxaccess.sd.gov links to information about various patient assistance programs and general information about Medicaid's and Medicare's prescription drug offerings. It's conceivable that you may be eligible for a patient assistance program but not Medicaid (for all I know, the reverse may be true) but it's difficult to tell without contacting the specific company. Some patient assistance programs only apply to generic versions of the drug, while some state Medicaid programs will pay for brand names. Obviously this varies from state to state.
If you qualify, it caps student loan monthly payments at 15% of your discretionary income (discretionary is your income minus whatever the poverty threshold income amount is). And if that 15% doesn't even cover the interest on the loans, the govt picks up the tab for the difference (for up to 3 years). You have to re-qualify every year by sending in all sorts of documentation, but if you somehow stay on IBR for 25 years, your loans are then forgiven. Obviously the downside here is that you are probably paying little to no principal, but if you do the math and determine that your IBR payment would be next to nothing, and your current situation is barely paying interest-only... well, maybe IBR isn't a bad thing for a couple of years (or 25 if you think you will never have a larger income). Personally, I went through all these options as well and decided that my best option was to just earn more money... a 2nd job or side project here and there helps me pay down the debt faster, and with less risk, than moving to private variable rate loans.
Man... I feel like this is a messed up world where your comment is downvoted and the guy who added the 100k in loans is upvoted. I didn't get into the engineering program at the school I wanted to go to so I went to community college for a year got good grades and transferred into the college I wanted to get my degree from. Spent 3 years working part time while getting my degree and graduated with 16k in loans and a job waiting for me. I don't know why this can't be normal. I'm obviously not some genius, I couldn't even get into the school originally... I just worked a little harder than I was working before because that's what it took.
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I'd be down with alleviating student loan debt, but only after massive reform to who can take out student loans. The fact that we have students studying fields with limited possibility of ever finding work, and borrowing $150k to do so, is patently ridiculous. If you want to study anthropology, no you can't borrow 6 figures. It's a super cool subject. I'd love to study it. But fuck no, I'm not going to borrow money to do that any more than I'd borrow 6 figures to travel around Europe for 4 years. Social sciences are generally a big part of the problem right now, and students are frankly being misled by schools who misrepresent the career potential of many fields.  Sociology, women's studies, anthropology, comparative religion, interdisciplinary studies, afro-american studies, psychology, etc. All excellent and worthy subjects if you can afford them. But students shouldn't dig a hole for themselves to study them and then complain later when they can't find work.
I used to do bankruptcy work as a debtor's attorney and the number of clients with $40-50k+ in student loans working for barely above minimum wage was staggering. The majority of them were from for profit schools like the ones that advertise during daytime TV.
True, not everyone becomes a debt-slave, especially if you choose your major wisely. I like it when people like you tell those debt-slave holders to put it in their pipe and smoke it!  Actually, they probably would, with a brandy.
Stay away from college debt. You can't default on it. Your wages will be garnished if you're unable to pay it back. Even when your and old man, they will garnish your social security money. In effect college debt makes you an indentured servant. Maybe even worse than the 7 years of servitude people served in early America. Lots of grads are working in restaurants and retail stores.... even some computer science grads. There is great risk in the college investment compared to 40 years ago when it was a sure thing. Do not take debt for college. If that means you can't go to college then so be it.  You're future self will than you.
Take them to small claims court or just forget about it.
Never speak to a debt collector. Ask them to stop calling you and STOP talking to them. Communicate only via postal mail. Do not react in an emotional way, do not use foul language, etc. If they call you and attempt to harass or intimidate you, note the date/time, name of the caller and nature of the call. Ask them to cease communications via phone and hang up. You're missing alot of detail here. You need to understand: The key to these things is to fully understand the situation you are in and find out what your legal obligations are.
Okay fine, great. I think you fail to see my point.  Experiencing someone dying on the table does not alter the reality of what is behind America's relatively high health care costs, and its not an experience that will give one a special insight into the causes of high prices.  Going back to your first point, economists have looked into the exact same cause you proposed. They have weighted its impact on healthcare and its not the largest driving force in way American healthcare costs so much.
I had a similar situation, except the debtor had no connection to us whatsoever, other than holding our phone number previously. We tried going through channels to deal with it, and had no success. At the end of the day, I was very abusive to the people calling, and forwarded the number to a very irritating destination.
I'd want a lot more details of exactly why he needs money from you. Refer your friend to this Federal Trade Commission site and make sure he takes the steps listed, and especially pays attention to the parts about keeping notes of every single person he talks with, including name, date, time, and pertinent details of the conversation. If he has some idea HOW this happened (as in a robbery) then report it to the proper authorities, and insist on getting a case number. talking with bill collectors is the worst, just trying to get ahold of them when they send you letters (and talk to a person, not a recorded number with instructions on how to pay them) is sometimes nearly impossible (google was my friend) and a lot of times they didn't want to back off till I gave them the case number with the police, that somehow magically made it 'real' to them and not just my telling them a story.
"It is exactly as described in the quote. Pick any three ""bills"" not owed to family members."
You mean at what point would my mom and I agree to stop paying before I made myself and my own family destitute?  Not to mention, you're completely ignoring the selfishness of my desire to keep my mom through the suffering her disease inflicts on her.
Why is it the Ted Cruz young-republican creepers come in waving debt numbers like all of a sudden debt is not some kind of established financial instrument used by governments of all sizes?  I said QoL and GDP. Congrats on your red shithole for having smaller arbitrary numbers on your Excel sheet. It won't matter much when most of your populace dies from being underinsured, undereducated, unhealthy obese smokers.   But hey at least they're not confused by the bathroom signs right? ;-)
Some forms of private debt (like child support) also fall under this umbrella where an arrest warrant will be issued for failure to pay for any reason, and this was determined to be a factor in the Walter Scott shooting - Walter Scott ran to avoid being put in jail over child support debt, and losing his job while in jail. The New York Times highlighted his case in an article titled: Skip Child Support. Go to Jail. Lose Job. Repeat. Rodney Scott said that he sometimes thought his brother did not do everything he could to catch up, but that Walter seemed to consider it a hopeless cause. He recalled seeing his brother plead to a judge that he just did not make enough money. “He asked the judge, ‘How am I supposed to live?’ ” Mr. Scott said. “And the judge said something like, ‘That’s your problem. You figure it out.’ ”
YMCbuzz: since your profile says you are in Canada, you are in luck. Canadian banks must turn over their unclaimed accounts to the bank of Canada. They have an Unclaimed Balances page that has a search feature to see if you have missing millions from long lost relatives.
"Google for ""unclaimed funds"" You might need to do it for each state separately."
Yes.  If you reply back, they'll confirm that Uncle Alex did indeed leave you $7 million, and you just need to send them a few thousand dollars for taxes and estate fees and then they'll wire you the money.  And then there'll be customs fees.  And then more taxes.  And of course, there will be separate import fees.  And so on until you run out of money.
Wow. She really is in a pickle. Even though I can intellectualize that she ought have paid more attention to her family's finances, and assuming she wasn't complicit in her husband's obvious tax evasion, I can sympathize to some extent.  This is a great demonstration of how dangerous it is to just let your spouse handle all the finances because they understand the money stuff. Even if they pay the bills you should have at least a fundamental understanding of the taxes being paid, estate and retirement plans. So here's some practical advice based on the hole she has dug for herself:
Exactly. I have seen this kind of claim before and it smacks of BS. People have equity in their homes, CDs, IRAs, 401Ks, pensions, precious metals. Just because you don't keep money in a savings account doesn't mean you don't have access to money. Shoot, I've got $20K available in credit cards.
"I'm not personally familiar with this, but I had a look at the Companies House guidance. Unfortunately, it seems you've done things in the wrong order. You should have first got the funds out, distributed them to yourself as a dividend or salary, and then closed the account, and then wound up the company. Legally speaking, the remaining funds now belong to the government (""bona vacantia""). It's possible you could apply to have the company restored, but I think that might be difficult; I don't think the administrative restoration procedure applies in your situation. Given the amount involved, I'd suggest just forgetting about it."
Ah you may be right. But I checked genealogy sites that appear to check out, I figured it was David A Knopf's son. But then that NYT link... um no. Not unless he was previously married.  Well now we better do something about the depressed guy who feels like a failure at 29.
If the insurance policy is a whole-life (or variable life) policy, it might have a surrender value that the owner of the policy might be able to get by surrendering the policy in whole; if it is a term life policy, it has no surrender value. In many cases, the owner of the policy is also the insured and so ask Uncle Joe whether he would be willing to surrender the life insurance policy and give you the proceeds now instead of making you wait till he passes away. If it is a term life policy, ask him to consider not renewing the policy and from now on, just give you the premium he would have been paying to the insurance company. Whether he will pay you increasing amounts in later years (as a renewable five-year level term policy might require) is a more delicate matter that you can negotiate with him. On the other hand, if the policy owner is Aunt Annie but the insured is Uncle Joe (and you are the beneficiary), talk to Aunt Annie instead; she is the one who can cancel the policy, not Uncle Joe. And for heaven's sake, don't grease the skids to facilitate Uncle Joe's first step onto the stairway to heaven; there are, depending on where you live, various laws prohibiting payments to beneficiaries who have had a hand in arranging for the happy event to occur.
So I am in this position with my grandmother and she is in her late 90s and wants to give us some of her things. There are some items I would want, but there are a lot of other things that I don't want. So when she wants to give me things now, I have to be delicate about it. I don't want to be inundated with everything and the things I would want now she is still using so I will happily wait.
In the US, an opposite-sex spouse who is a citizen as well, can receive an unlimited inheritance with no tax due from the estate. IRAs and retirement accounts which were pretax accounts, are inherited by a spouse who can then either treat the accounts as her own, i.e. even co-mingle with current IRAs, or treat as inherited IRA, and begin RMDs. In which case tax is due to the extent the money wasn't already taxed. I see the edits above. No tax should have been due. Mom can gift the kids up to $14,000 per year per kid with no paperwork at all. And another $14K to the kid's spouses or grandchildren. Above this number, a form 709 is used to tap into the lifetime exclusion.  As it stands now, it's unclear why any tax would have been due in the first place.
Aside from the immediate flavor, all other annuities are partial sold (there's a quote among finance folk - ""annuities are sold, not bought"") based on their tax deferral features. I don't suspect you are in a tax bracket where that feature has any value to you. At 48/54, with at least 10 years ahead of you, I'd research 'diversification' and 'asset allocation'. Even $60K is enough to proper invest these funds until you retire and then decide what's right for you. Beginners' Guide to Asset Allocation, Diversification, and Rebalancing is an interesting introduction, and it's written by the SEC, so your tax dollars paid for it. Some months ago, I wrote Diversifying to Reduce Risk, which falls short of a complete discussion of asset allocation, but it does illustrate the power of being in a stock/bond mix. The ups and downs were reduced significantly compared to the all stock portfolio. (for follow up or to help others reply to you, a bit more detail on the current investments, and how you are devastated, eg was there a huge loss from what you had a few years ago?) Edit - The original poster hasn't returned. Posted the question and left. It's unfortunate as this was someone who would benefit from the dialog, and the answers here can help others in a similar position, but I feel more discussion is in order for the OP. Last, I caught a downvote on my reply today. I take no offense, but curious which part of my answer the DVer disagreed with."
"Since this the business subreddit (or used to be), what about the effect that ""age-retardation"" would have on wealth distribution?  Imagine if Rockefeller or Edison was still alive to own, manage, and profit from their respective empires?"
"The answer was provided to me at the Gnucash chat by ""warlord"". The procedure is as follows: After doing this you will have:"
Exactly. And I'm diversified in other ways. I have a money collection that includes lots of silver and some gold, a rental property. In terms of actual cash accounts it's closer to 750K.   Protip: I always keep actual cash dollars in a safe in the house as well. I learned that trick from my neighbor who said she needed it twice in her life. Even a safe deposit box isn't good enough as the government can get in there, too. She and her husband owned a gas station and  unbeknownst to them the Sunoco gas trucks were leaking when filling their tanks so they had a big ecological problem. The government took every bit of liquid assets they had... that they could find. Then when he died a few years ago something similar thing happened and she needed to dip into it.
Like I said, there are no sources for this info, just speculation. I made a guess and I might be wrong, but I might still be right.  No one knows who this guy including you. So you are making claims out of your ass as well.
"Dear ""benevolent"" sister, The mortgage, utilities, and taxes for this home can no longer be paid and the bank will repossess it within the coming months. Thank you for your time"
I think the first step is to contact Carnival Investor Relations. They can give you information about what attempts they have made to pay dividends since the address has changed. There may be some hoops that you have to jump through to get the funds, but the simple answer is to call them and find out.
"This is the best tl;dr I could make, [original](http://www.baldingsworld.com/2017/10/23/everything-we-think-we-know-about-chinese-finances-is-wrong/) reduced by 96%. (I'm a bot) ***** &gt; We do not know what these assets hold other than three broad categories comprised of guarantee, commitment operations, and financial asset services which even then only comprise 79% of the total 253 trillion.  &gt; Chinese citizens and firms have a very real interest in switching into similar foreign assets while foreigners have very little interest in switching into Chinese assets.  &gt; I have long noted that there is fundamentally, absent controls, a much larger structural non-cyclical interest in purchasing foreign assets by Chinese than in purchasing Chinese assets by foreigners.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/78e60t/everything_we_think_we_know_about_chinese/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~233958 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*: **asset**^#1 **Bank**^#2 **financial**^#3 **China**^#4 **balance**^#5"