vania-janet/multiturn-rag-retrieval-data huggingface dataset:
I don't believe this.  Really, if you have the drive and motivation in this country, you really can do anything you want.  Sure, the mold says that you need a 4.0 gpa from Harvard and an MBA from Wharton... but that doesn't mean that its for everyone.  Employers value determination more than anything, so if you really want a job, you *will* find a way to get it; most of the time, the only thing holding us back is ourselves.  Sounds corny as shit i know, but its true.   If you bang on every door, network with every hiring manager, you will get a job.  and if for some reason they turn you down, you can still start your own business.  **tl;dr  no.**
Desire to work.? Yep everyone has a desire to earn more money, too many will not even try to. Just a great way to strip away human dignity. You citizens, you mean nothing to the world now shut up &amp; listen to us rich government bureaucrats. You owe us.
&gt;Well with that logic most older folks wouldn't need healthcare since they're only a decade away from deaths door.   Given how much money is spent on old people near death just to keep them lingering on, I tend to agree with you.
You could slip and fall in the shower tonight.  Or you might never need it. Insurance is a hedge against risk.  If the event has already occurred, you're uninsurable. If you and others would suffer if you have a bad accident and can't work, get it now.
The two of you inherited the house. unless the will specified otherwise, it's half each.
Thought experiment. If in 20/40/60 years time machines (owned by companies) can generate nearly everything we need to feed, shelter &amp; transport us what should people do?  Is that the beginning of nirvana for humans (where time is spent on doing things that have meaning for you) or a nightmare in which the value of the minority of people’s lives is super low given that they aren’t needed by company’s business cases?  How should our tax system &amp; social security system then work?
Yes, it does. Housing will not satisfy the overburdening population in years to come. Housing, jobs, cost of living, and rising populations have been problematic for generations.  You could just blame your parents for having you.   Perhaps you are in denial. You certainly choose to spend more time feuding and arguing on reddit than any other attempt to contribute anything to society that benefits more than just yourselves.
Extended illness/disability that prevents you from being able to work. Edit: Leigh Riffel: So, why should this be expected, and how should it be planned for? Some of us may be fortunate enough that this never happens, but I've known enough unlucky people to have seen that it can and does happen. Prepare for it with:
"But what's the point of even saying that? You could get killed in a car accident tomorrow.   Should I just follow you around and post that any time you have some victory or good news? ""Yeah, you got a promotion, but you could get killed in a car accident tomorrow."" ""Hey, glad she accepted your proposal; but you could get killed in a car accident tomorrow.""  I could mix it up - ""You could have a *c. dificile* infection festering in your intestine right now - your days are numbered."" ""Heading to your kid's graduation? Plane could fall out of the sky on the way.""  I started all this by saying that the OP was a complete waste of time. It gives no advice, passes on no wisdom. There's nothing about it that anyone could act on to change their life. It offers zero value. Hell - the time I spent reading it (and arguing about it) I could've spent masturbating and been better off.   In closing - your success is *affected* by random chance. Also, the sky is often blue and more often than not water is wet at room temperature. Have a nice day."
Maybe he can see the now, and knows if something doesn't change then he's going to have to.  I mean, I can safely say that if it doesn't get warm out then I'm going to have to put on a coat, because I'm cold now.
In the context of this article, it's millions of dollars.   But you're right, all life insurance is a scam, even if it's not always millions of dollars.  My wife will not suffer financially if I die. She's a strong independent woman. She has a good career.
I'll be blunt.
Someone will always be able to find weapons and followers. That's halfway to a government. History has shown, over and over again, that human nature abhors a vacuum of society and authority. (If the implication of your post was not to advocate some sort of anarcho-capitalist fantasy, I apologize.)
Life insurance is not an investment -- by definition, since the companies need to take a profit out of it, the average amount paid in exceeds the amount paid out, yielding a negative rate of return. Get life insurance if your death would cause severe financial hardship for someone. If you have sufficient savings that your wife could recover and move on with her life without hardship, and your kids are grown, you probably DO NOT need life insurance.
And a blessing to the families. They know that there loved one is being given pain medication and a certain amount of dignity as they die. Are the Health Care people making money? Yes but so does my car mechanic when I ask him to fix my car.
Show me a real case where as soon as the hive is destroyed and the bee dies immediately, or drop this silly example.  &gt; Your 95 year old mother will not survive for long regardless. And it is highly doubtful that she really contributes much of anything to society anymore.  We all die eventually and your comments about the elderly are alarming.   &gt; Oh, they probably could.  Yeah, it's common to see a two year old in the wilderness, living off the land.
Yes it is!  You don't need the candidate waving a university diploma to find out in 5 minutes if they can read, write or understand.  As someone who work with many interns, some of them from ivy league universities, I can confirm that many of them, 30%, have terrible attitudes, immaturity, spoiled, disorganized, and it all goes together with being not so smart, despite the degree.  In the past, to be a teller in a bank, you did not have to finish high school. Just needed to be good with basic math.
Are you still here? Fuck off. What you just said is more of your stupid bullshit. Go away.  FYI: Not having a religion, is a religion. You can still be (and are) an intolerant, ignorant moron who is incapable of rational thought. Everything you said yesterday was wrong, and everything you say today will be wrong as well. Bring your trash somewhere else, you dumb, ignorant fuck.
Not really.  Human nature involves killing each other for profit.  Sure, their minds sanitize the act with beliefs that rationalize their behavior but the reality is that if a person can convince themselves that the other person deserved to die so they could benefit, they'll do it.
See, this is the hard part. Getting people to believe that Insurance companies especially, but most industries have a saturated market, and your being dead means jack to them.   Your life is at best meaningless to industry. To insurance companies, tobacco companies, arms manufacturers and many others, your death is a net positive. I have my own opinions on what big gov't feels. But let's say Washington is too busy giving weapons systems mfrs. money to friends to care about *you*.
"There is no reason to believe that we won't reach a point where machines can do literally every task currently performed by humans.  What then? Will the machines fulfill our every whim and pamper us throughout or lives?  Or will they say ""the hell with this"" and throw us off the planet?"
I think you're nuts. Nothing so dramatic. Jobs will just gradually disappear unless you have a PhD or are very very very good at doing something machines cannot do, which will be fewer and fewer things.   The country will fall apart.
Maybe the society will evolved into Wall-E's society where robots take care of everything and human just sit and get fat or more time to spend on creative tasks like creating a Mega-Gozilla!  Why do people always assumed the worst when the trend of automation/technology advance is inevitable.
"If I remember the information in ""The Wealthy Barber"" correctly, he said: And as someone once said to me, ""make sure you're worth more alive than dead!""  :-)"
Yup. I use my truck at least once a week for my job. It's also very useful hauling stuff back and forth from where I live now and my hometown 75 miles away. Not having a truck is more expensive than having one for me when I factor in the costs and time of working around not having one.
...  My judgement, based on the direction the research is going and the rest of my knowledge of human biology, is that it's likely. We do know enough to say that; in the future, with further research, we'll have a more precise idea of just how likely. Happy now?
Nobody is envisioning a society that has fundamental changes built into it to accomodate people who have smartphones built into their brains and robot arms. It will just happen as needed and desired, at which point you and all the other worrywarts can fuckin' deal with it.
I'd like to provide ideas other than gold, stocks, property, bonds on how to prepare for a severe crisis. My suggestions below may even make your life more happy now.
Yes of course. I'll come to your house tomorrow with 8 armed friends and then we'll decide wether or not we will redistribute your wealth among us. Don't worry, you will get a vote as well so it will be democratically justified. Sounds good?  The social contract you're referring to only applies for services that protect you from violent interference by other individuals (e.g. Police, courts, military) and only as long as everyone contributes an equal share and gets an equal withdrawal. Redistribution of wealth IS violent interference by other individuals. The state is made a tool of the violent mob. If you're going to use the social contract in order to justify redistribution of wealth, make sure you attach a generator to Jean-Jaques Rousseau's corpse first. I'm certain he will spin in his grave.
No, but I will check it out. It's always wise to pay attention to what others think. But to me there are just too many issues, any one of which could cause major problems.   I left off a big one. We are statistically overdue for a recession. That alone can cause one.
I will respectfully disagree with you on the need for a social safety net and will cite the obvious example in Iceland.  Of course, self-interest (political, monetary) will not allow it to happen. The entire thing is beyond ridiculous at this stage. Then again, I am but a simple trader and have no desire to be an analyst, so what do I know. I just take the trades.
Yes! Look at any graph or chart covering the last 100 years.  The graph goes up. It will continue to grow unless there is an extinction event and the population gets reduced.  Corporations will continue to grow to meet the needs of the ever expanding population.
Yes, it should be. As, where one has insurance, its an expense one would expect one to continue to incur in a normal budgetary emergency, even drop in the extreme.
I guess 15 years of practicing law, successfully I might add, in the realm of torts (including dozens upon dozens of negligence actions a year, just about all of which were covered by insurance) has been a mirage.  Thank you dtank88 for setting me straight.  Goodbye.
You assume a high IQ will be a requisite of having a value-add position in the future economy when there is absolutely nothing to show that will be the case.  You understand that Amazon employs PLENTY of people in positions requiring little to no specialized skills, correct?  Along with a myriad of other companies which are coming into the economic sphere.  Police will still be a thing, firefighters will still be a thing, plumbers will still be a thing, electricians will still be a thing, carpenters will still be a thing, construction workers will still be a thing.  Everything you're saying now was espoused during the industrial revolution, and little of it ever came to fruition.
I'm not sure there will ever be some moment in my life where a person walks up and asks me to install a cybernetic arm and I have to debate the merits. They will develop alongside the culture like most innovations.   Knowing how to use a PC is often a requirement in the First World, when I have to deal with people who dislike the internet or upgrading to new tech it's a huge pain in the ass. If you invented an enhancement that became that essential to productivity or life, like someone said above with coffee or medication, I imagine it would be a similar situation.  The point being, this is already how it works.
I appreciate the effort you put into this but the post is mostly nonsense and covers a very thin argument. I suggest you beef up your info bank first so you can come up with a more decent entry next time. ciao
"Sigh.  A-duh.  Anything to do with media distribution is dead. Anything to do with transportation (driving) is dead. Anything to do with manufacturing is dead. Construction will be dead not long after.  Computer programmers and robotic engineers are in high demand though. How come politicians are never asked ""What will people do with so many industries going under?"""
"No, because:  (a) People shift industries as wages adjust  (b) people increase their standard of living  Let's take (a).  As stockbreaker points out, most people in the United States were involved with agriculture at, say, 1800 (I dunno about 1900, but that's possible).  Yes, as we mechanized agriculture, we eliminated need for farm workers.  Simultaneously, as a factory worker could produce more *stuff*, the wage ratio became more-and-more favorable to move into factories.  As a result, we saw massive urbanization; instead of people living in the country, they moved to the city and worked in other types of jobs.  In 1700, in, say, England, less than half of the *men* were even literate.  Today, we spend over a decade simply educating people.  Then let's look at (b).  Let's say that you have some company with a couple of software engineers and a couple of business guys that makes huge amounts of money.  Google or something.  What are they going to *do* with that money?  Okay, maybe they don't pull a Bill Gates and just give it away, but seriously, what do they do?  Well, one thing they could do is to just live the life they would have anyway and refuse to spend any more money.  That's possible, but unlikely; people usually want to work for the things that money can buy, not just money.  So they go out and get a Rolex watch (which sends wealth to watch manufacture and marketing people) or a yacht (which sends wealth to boat builders).  Both are very pricey items relative to the benefit someone gets, but there's a degree of diminishing returns.  The money flows on back.  People have been concerned that we'd ""run out of work"" for a long time, as technology improves productivity.  They've proposed that we'd have to have an eight hour work week because there simply wouldn't be demand for the extra labor.  And if we maintained the kind of standard-of-living that people had a few centuries back, then maybe we would have that eight hour work week.  But historically, we've always simply found new things that cost more that soak up more money."
Old uninteresting point that expects humans to behave the same atomistic ways in all situations as if they don't drive on innovation and creativity. Point: There'll be plenty for those with ingenuity drive and creativity to do. Just because we can't glimpse past the fog of absolute uncertainty doesn't mean we're doomed by more automation.
Note: While I think the above is a reasonable interpretation, I'm not about to take legal responsibility for it since I'm not a lawyer, if you need serious advice get a professional opinion through appropriate channels.
Yeah.  Screw that old lady.  She should have known all the ins and outs of legal process.  It's totally her fault that one of the US's ten million douche bag lawyers fucked her in the ass with a rusty metal bat.
Have a look at my answer to a similar question (asked by a 22 yo) ... Basically
Yes basic food stuffs needed for healthy living should be provided to everybody. Thats not suggesting farmers work for free, thats just saying that the government and not a private entity should be responsible for making sure everyone in their country has easy access to food.
I would even say 1% is not even reasonable in this age.  The short answer is there probably isn't much you can do directly.  However, there are a few things to consider:
I think it is yes. Although the fed will try and control it. Inflation will be good for the economy as long as it doesnt happen too fast.  Basically they need to balance keeping peoples assets from plummeting in value and having peoples wages stay at pace with growth and rising costs
Meh, people will end up trading 1 TB drives full of crap with each other. Well by that time it'll be 5TB drives and by that time cameras will be super HD for super cheap and people will do their own movies and tv shows. They'll be better than anything you've ever seen before, true reality tv.
A few points to consider - Welcome to Money.SE. This is not a discussion board, but rather, a site to ask and answer personal finance questions that are factual in nature. Your question is great, in my opinion, but it's a question that has no answer, it's opinion-based. So I'm slipping this in to help you, and suggest you visit the site to see the great Q&A we've accumulated over the years.
What happened - affluence.    No mortgage - one grandfather built his own house the other lived in a sod hut.    No running water, no electricity, no natural gas/coal/oil heating.    No car, no insurance, no gasoline    They grew much of their own food.   If you want it - it's all yours. Go for it.
It is for the pain of being poor and useless. ;)  But seriously, the United States is not going to have a plan for what to do when many jobs can be done by AI. I guess the only plan is to provide plenty of opiods so discarded people can bow out gracefully.
Yep, and for those needs, Whole Foods will still be there I'd imagine. I wouldn't sell them short on delivery of ready-made meals though, if they can build up a fast delivery service, then those ready-made options could be on the table (pun intended)
There are cases where whole life can make sense, but only after you've already maximized every other tax-deferred investment option you have. If you have access to a 401k plan and aren't maxing it out, there's no reason to look at whole life.
It won't be over this motion, and it probably won't happen today, or next week, or next month, or next year, but one day the dam will burst and blood will be shed.  With every passing day, the mass of people are being left with fewer and fewer options, and one day they will resort to the only option they have left.
No they don't, but they are sure as hell not going to make the sandwiches themselves. Try need employees and to abide by the laws on paying them.   If your business can not sustain itself paying employees legally, than you should not have that business.
You can. Almost anybody (barring medical issues) can, the drudgery will be intense and utterly soul sucking.   Sure fire formula: Spend very little, save everything and put down down payments on rental houses.  It will eventually get you millions even if everything goes very wrong after 30 years.  It should work out into the millions somewhere between 15-25 years.
"I believe the answer is ""no"", if I remember discussion at the time correctly. A reference librarian could show you how to research this. (Undervalued resource, and they love an excuse to show people how to get the most out of a library.)"
For many that is simply not true.  Too many Americans are born into the same poverty and lack of opportunities that they will die under...   In vast swaths of the US there is very little opporunity for many reasons, even where there is opportunity, usually only those who are already privileged have access to it.
I see people say this all the time but all it does is demonstrate a lack of critical thinking.  One single example: know how great american roads are?  They aren't.  You think our great government is gonna spend moneg to improve roads orrrr
A fourth of the population has an IQ below 90.  They have a tough time making informed decisions. There's also a lot of people with no money, or can't take care of themselves for god knows why.  They need basic healthcare. Not insurance, but clinics for the basic stuff. generic drugs only, no organ transplants, no kidney dialysis.  If you wanted, and had the money, you could buy iinsurance for better care.  This is, more or less, the system in France.
Don't borrow from your future to live in the present.
Better for you and for me, yes, but not for the disadvantaged without benefactors. That's the situation I was in.   I just wish social security wasn't spent on the elderly, when they have so little left to contribute to our society and economy, in terms of new business, growth, and constructing the future.
&gt; Funny you say that, I'm moving in!  We need more selfless people like you who are willing to carry the heavy burden. Last year Illinois lost more people than any other state, so I'm not sure if that will be enough.
Yes, you idiots, keep clicking on those ad-filled blogs that cater to the ridiculous fear in you. There are some that have no problem making money in the fear-mongering industry and would love to see it grow--without a care of what damage it could cause.
"Make sure you invest in a coffin and/or funeral related industry -- that way you can at least ""cash in"" on the Boomer generation as they ""cash out"".  ;-)  Also, in the coming decades there will soon be LOTS of jobs in nursing homes: dispensing pills, wheeling the residents to/from the TV room, giving sponge-baths, changing bedpans, etc."
I would say at about the same time as the US converts to having a public health system that covers everyone with very few people with private insurance.
If that were provably true, we'd be able to pack up sociology, anthropology, political science, and most of history and go home. Since we haven't done that yet, I suggest considering the possibility that the world is more complicated than you believe it to be. See ShakeyBobWillis' comment above.
Because once those enhancements take off, I think it will rather quickly (in historical time) reach a point where it's simply not worth it, for the same reason we no longer bother dominating horses except as a hobby.
The one thing that I know is that we'll no longer need to subsidize or coddle the lower classes anymore.  I'm tired of having to pay such high tax rates so that they can live off my hard work.  No more forced labor!
Your Money or Your Life is a great book on this topic.
You know what scares the shit out of giant militaries? A single person with some code or a goat herder with an improvised bomb. Do you know what keeps individuals safe? A well armed population that is capable and willing to defend themselves and their neighbours. Instead of a government that works hard to make it illegal to defend yourself.
Isn't that the very definition of civilization - banding together and making choices for the betterment of *society*, even while possibly *not* the betterment of *every* individual?   The truth is we all do this everyday. I guarantee that you inadvertently made a decision that pissed on some poor souls day yesterday, and you probably did it with the best intentions for you and yours...   And here is an example that I am sure you will be thrilled about:  eminent domain. It almost always sucks for the land owner, but if done right can benefit society at large greatly.