vania-janet/multiturn-rag-retrieval-data huggingface dataset:
I didn't realize that! Thanks for the correction. A bit of google-fu provided this:  &gt;[Stolen funds may be covered by what's called a banker's blanket bond, which is a multi-purpose insurance policy a bank purchases to protect itself from fire, flood, earthquake, robbery, defalcation, embezzlement and other causes of disappearing funds. In any event, an occurrence such as a fire or bank robbery may result in a loss to the bank but should not result in a loss to the bank's customers.](http://www.fdic.gov/consumers/consumer/information/fdiciorn.html)
I think an IOPT is a Dutch warrant.  Someone else might understand what this is.
blockchain technology does not seem to be the focal point in their startup, which usually should be when there is an ICO. A lot of the things that they say blockchain could enable them to do, could be done with a centralised database. They have a pretty experienced team in real estate though , it looks like they are using the ICO simply as an easy method of raising capital than having an innovative use of the blockchain token
"Fannie Mae and Freddie Mac uniform loans do not have prepayment penalties, so most plain-vanilla loans from national banks and brokers shouldn't have the penalty.  (Fannie Mae rules are categorical; Freddie Mac will buy loans with prepayment if the loan originator documents that a loan without prepayment was offered and the borrower made the choice for other considerations; the uniform instrument they share conforms to the more restrictive rules) ""Mortgage loans subject to prepayment penalties will be ineligible for sale to Fannie Mae"" Fascinating historical discussion of how the two GSEs negotiated the compromise uniform form back in 1975 Exotic terms, subprime, jumbo loans, ARMs, construction loans, secondary loans or really local banks where they'll hold the loan are cases where there might be a prepayment penalty."
You are correct, I didn't understand that at all. Apparently us consumers don't need to know when our financial information is susceptible to being compromised.   One question: Is your username based on the Redwall book series? I loved all those books.
That sucks.  If BofA is taking responsibility for the insurance payment, then they should..., well, take responsibilty - full responsibility.  I hope these people get reimbursed fairly.  Didn't their insurance company contact them about the policy?  If not, I'd certainly be shopping for a new insurance company, and possibly I'd include them in a lawsuit.  The insurance company should be contacting the bank **and** their customer.  Mine sent me a couple of letters, saying a copy was sent to the bank (although I think they still had the original bank, not BofA).  But BofA had recently paid the premium, so they ignored it - basically dropped the ball.  When I got the 2nd letter from the insurance company, I called again, and the guy at BofA got right on the ball, checked it out, and fixed it very quickly, then helped me cancel my escrow so I could handle it directly in the future.  Perhaps I was lucky to get someone who cared about their job enough to follow through.  But I also jumped in to make sure it got taken care of, so if he hadn't, I would have been bothering them until they did.
this post offers great steps you can take to responsibly and effectively manage your existing line of credit. we believe that by carefully observing these guidelines, you will not only succeed in building and maintaining an excellent credit history but you will also avoid incurring pesky fees and charges usually imposed on delinquent unsecured credit cardholders. and do help us promote it by telling your friends to read and share it with their friends too!
Don't know why you're getting downvoted, wouldn't be worried about a credit crisis until we get bad jobs numbers, so far they've been pretty fucking good. On top of it interest rates are at historic lows. Maybe in the future but not now
&gt; Some 13.2% of debt in the fourth quarter of 2016 was held by those with scores below 620, compared with 19% in 2008 and 16.6% in 2003.  Don't worry, we still have 5.8% buffer before it reaches 2008 level
"Understand that buying a Starbucks gift card at the grocery store to receive 6% back on your coffee rather than 6% back on your groceries is an exploit of a flaw in the benefits program, not a feature.  It's definitely not a blanket yes or no answer, the only way to find out is to try. Separately, I don't know why you would find this ""concerning.""  This will vary greatly between merchants and cards.  There will always be new points churning exploits, they don't last forever and you can't expect every customer service rep to be well versed in methods employed to juice cardmember programs. Hell, a number of years ago one person figured out that he could buy rolls of $1 coins from the US treasury with free shipping and no additional fees.  This guy was literally buying thousands of dollars of cash each month to deposit and pay his credit card bill; completely against the terms of the treasury program for distributing the $1 coins.  A number of people had their cards and points/cash back revoked for that one."
If you and your wife are owners, your tickets might be a business expense against the rental income. 'Might' as in the IRS will be happy to audit you, seeing the kids went as well and prorating the expense as say 25% was really business, the rest, family vacation.  If this $4000 write off is the make or break for this deal, don't do it.
That's true, I concede that point.  It wasn't the case in my case study, and I don't think it's the case with these gift cards, but I could be wrong, since I'm not an accountant, and I don't even have my Masters in Finance yet.
You've got two options.  Deduct the business portion of the depreciation and actual expenses for operating the car.  Use the IRS standard mileage rate of $.575/mile in 2015. Multiply your business miles by the rate to calculate your deduction.  Assuming you're a sole proprietor you'll include a Schedule C to your return and claim the deduction on that form.
These two categories ensure you will carry the card in your wallet (since they only work for physical locations), but don't tend to have excessive spending (most people maxing out at $200 or so per month, so $2 for the bonus).  You then use the same card for other purchases, because you have it on you, where you only get the 1%. It worked for me, I started carrying the Amazon card when I found out it had a higher percentage for gas purchases.  I only use it for gas though.
Some years ago a call center operator told me a bit more than they probably should have.  They like to see a lot of money go through the card, but very little staying on the card. Yes, they make money on the interest but one card defaulting blows away the profit on a lot of other cards. The 3% take from the merchants is both reliable and up-front, not 6 months down the line when (and if) you pay the interest. So if you want to make your credit card company happy, pay your bills in full every month. I have credit far beyond my actual means because I run work expenses on my personal card, I was told they didn't care (and had already guessed) that it wasn't my money. The point was I was handling things in a way they liked. Not quite at Palladium status, but cards with $200 annual fees are mine for the asking, and I haven't paid interest since the early 1990's.
I think you're not considering the opportunity cost of giving up your money early.  I'm not sure what the total money you have to spend, but spending extra on things you're going to buy later might not be the best choice.   Consider you could just get a credit card that does 3% (6% with fee) on groceries, 3% on gas, etc.  So you can make some money there without spending it all up front. Also, you could be turning that money into more money by investing it.  Assuming you're not going to just carry a balance and pay interest on the card, you have this cash on hand to invest. One more thing, I'm not sure of your financial situation but I don't think something like spending an extra 5k is a pittance to you (since you wanted $500 so badly).  Having the cash at hand has its own advantages even if you're just sitting on it. In short, consider if you want to follow through with this plan.  You can still keep the card.
It looks like RK is encouraging tax fraud. Suggesting that one have their business cover personal expenses sounds like the advice that got Leona Helmsley in hot water.
The reason is in your own question. The answer is simple. They use that code to tax the product otherwise it would just be out of pocket expenses.
I actually just did that with my Chase Freedom card. They rotate categories every 3 months, and from April-June it was 5% back at grocery stores.  So I bought a ton of gas cards and got my 5% back.  Next I figured out I would be clever and buy a ton of store gift cards (grocery gift cards) right at the end of the quarter, then use those in the future to purchase gas cards.  Well, I just tried that a couple days ago and discovered the store refuses to sell a gift card if you're paying with a gift card!  So now I'm stuck with $1,000 in grocery cards until I use them in actual grocery purchases haha One of the things about this grocery store is they partner with a gas station on their rewards program.  They offer 10 cents off a gallon with every $100 spent in store, and they double it to 20 cents off a gallon if you buy $100 in gift cards.  Then on the back of the receipt is a coupon for 10 cents off per gallon -- which they double on Tuesdays.  Unfortunately I think I'm one of the only people that takes this much advantage of the program  :-/ Side note: I actually just changed the billing cycle of my Chase Freedom card to end on the 24th of the month.  That way I can charge a bunch of rewards in the final 6-7 days of the quarter.  And if I have a $0 balance on the 24th, my bill isn't due for 7 weeks -- interest free!  And Chase Freedom has never cared if you purchase gift cards with their quarterly rewards program.  I also gave them a courtesy email giving the specific store and $$$ amount that was going to be charged, and of course they still called me with a 'fraud alert'...
They don't make any money off of you personally. They make money off of the merchants per transaction when you use the card.  You trigger this fee to the credit card issuer, but it doesn't come out of your pocket.  (Or it shouldn't; merchants aren't allowed to pass this fee on to you.) They keep you around because you may at some point become less responsible than you already are, and it would be quite costly to get you back (a couple hundred dollars is the cost of acquiring a new credit card customer). People who are less responsible than you subsidize your free float and your rewards (if any) but the new CARD act makes it more difficult for people to use their cards irresponsibly, so these perks that you enjoy will get less perky with time.
They didn't license it from themselves. They licensed it from another business entity. Cross-entity charges are common.  &gt; But as a citizen and a taxpayer, I don't want global corporates to get away with tax evasion.   Then you should be voting for Romney then, as a major part of his platform is to restructure the tax code to discourage this.
Spend them at the gas pump.  Just run the pump until it stops, then repeat with next card.  That's always worked for me
Probably not. I say probably because your credit card's terms of service may treat certain purchases (I'm thinking buying traveler's checks off-hand) as cash advances. See also this question.
Its a trick so that you don't feel like you're spending money when you bid since the bids are in credits, not dollar amounts.  This is especially true when there is not direct one to one match with a dollar and credit (1 credit might actually be 3 cents)
As long as you can get a cash advance on the credit card if you need it, then you're not putting the money beyond use if you use it to pay down card debt, you're just putting it where it gets the best rate of return.
"https://money.stackexchange.com/a/79252/41349 https://money.stackexchange.com/a/79261/41349  Adding to @Chris H answer about damage limitation Online purchases could include phone/tablet app purchases, which could be an issue if you have children or you are a victim of fraud. First link from googling ""Kid racks up almost $6,000 on Jurassic World in-app purchases"" Adding to @Michael C. Answer I think credit cards perhaps can make it more difficult to budget, if you are more lazy/have limited savings.  These might happen more long term if you don't keep track of your spending. I.e. If your credit limit matches your monthly income, and if you pay off your card each month, I think it is harder to overspend as you don't have more credit available than you can afford to spend. However this is countered by that, a slightly higher credit limit may help to avoid fees from exceeding your credit card limit. I think due to that some/not all purchases are instantly ""banked"", i.e. the shop might send all of its monies to its bank at the end of the day or something like this, so you can just keep spending not realising you have exceeding your credit limit and get hit by fees."
I would like to open an art studio. Not necessarily a gallery, but a place where I can do animation, digital art, branding/logos, and freelance stuff. Also, do some filming there. So an art-production studio.  It's what I enjoy but I live in an area that is too rural for that kijnd of thing. But idk, it might work.
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Dog walking business. Sounds stupid but it works around here. My gf currently walks a ton of dogs and we decided to just make it into a business and eventually hire people. Her schedule is full and she just can't walk every persons dog who contacts us, which is why we went this route.   Edit: Oh, and very very far. About 2,500 miles. I'm on the east coast.
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"&gt; That said, it really depends on where you are and how your business is incirporared  No it doesn't. Nepotism laws only apply to public sector jobs.   &gt;If you or she can't answer this or don't have access to someone who can, then I fear for the business.  Well, fortunately, you don't know what you're talking about, so they don't have to worry about your fear. You don't need a law degree to run a salon. Spouses run businesses all the time.   Hence the name ""mom and pop shop""."
&gt; That's not how business works.  businesses have to follow regulations and laws. that is actually *exactly* how it works.   &gt;  Economics doesn't work that way.  businesses have to follow regulations and laws. that is actually *exactly* how it works.   it seems you have no grasp of basic economics, this is no more intrusive than affirmative action. I can only assume you are trolling at this point. no one is this dumb.
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Hey all. Hoping for some help from the business community. I'm 20 responses short of having enough responses for my survey to be valid. I'd be very grateful if any of you could spare a few mins to complete my survey so I can finally stop shilling myself to everyone I know. Many thanks.
Do you own your own home, or some land? Buy materials and/or completed outbuildings (sheds, etc) Do a small renovation on your house Do some landscaping, gardening, etc
I didn't even read the article. so lol you can fault me there.  I just based this on there being a platform like airbnb allowing businesses such as having residences or houses to put up. When you think about it though these aren't the only avenues or doors available when you consider everything that goes into something like this.
"Village? Are you in the states? I am not saying start a car dealership, I am saying look for cars that are sold below the value they usually go for. This takes a bit of time and effort of looking at each car and seeing what they generally sell for. Blue book is a decent indicator, but do not go solely on that alone. Go to a car auction, and write down each car you can, judge each car, the mileage, and condition, and see what it goes for at auction. Then go to other areas and find other similar cars and see what they are sold for there. Build up a database of sorts, and the cars with the best margins, and preferably higher turnover, and get those.   This is not a ""business"" per say, it is a way to make money and learn the market for a while. Once you get a good bit of general knowledge, and build up a lot more money, then you could likely start a car dealership. Depending on your area you will likely need a good 50k to get started, maybe more depending on insurance and lease agreements."
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You can claim VAT back if you are VAT registered. You MUST be VAT registered if your turnover is more than £82,000. You MAY register if your turnover is less.  However, you can only claim back as much VAT as you actually received, and you can only claim VAT back on purchases that were made for your business, not for private use.  And you need to remember that if you are VAT registered, you MUST charge VAT on every income. If you mostly trade with private customers, it means that your prices all just went up by 20%, so it's not a good idea.
Depends on the reason you were issued the credit -- rebates aren't income, remuneration for value you provide to them is. In other words, exactly the same as it they gave you money.
If an item costs £10 excluding VAT, and you buy it from a VAT registered company, you will have to pay £12. You sell it for any price you like, and you don't add VAT.  Let's say you set the price at £15 and sell 1000 items for £15. You take £15,000, you spent £12,000, you make £3,000 profit in your pocket and you'll pay taxes according to your profits (£3,000). It doesn't really matter that VAT was involved, it just affects the price that you pay.  If you mostly trade with private customers and not with companies, being not VAT registered is a good idea, since by not having to add VAT you can keep your prices lower. It's different if you trade mostly with VAT-registered companies. In that example, if private customers are willing to pay £15 but not more, if you were VAT registered, you couldn't just charge £15 + VAT = £18, because your customers would stop buying. So you'd have to charge £12.50 + VAT = £15 and make less money.  But if you sell to a company, it doesn't make a difference to them if they pay £15 without VAT or £15 + VAT = £18. You have to send the VAT to HMRC, but you can subtract the £2,000 that you paid yourself, so you make £2,000 more profit.
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Jesus this is a horribly written and unnecessarily long article. Could be summed up in 3 paragraphs, and honestly, credit card processing fees isn't some conspiracy. I'd guess that most people who use credit cards are aware this is how visa and MasterCard make money.   This article is written like it's for 14 year olds.
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"How does adding a revenue stream from the most profitable and widely penetrated products in existence read to you as ""shooting blind""?  Do you have any idea what interest rates on a card like this are?  If you've ever worked retail, you know that credit card sign ups are a key metric nearly every employee is judged by"
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Some businesses verify the shipping address with the credit card company, and refuse to ship to an alternate address without additional, offline verification.  Of course, this is only useful for physical goods.
What kind of card are you applying for?  My first card was a bank of america card.  I was a back of america customer. I tired getting nicer reward cards,  but I got rejected fit those.  Now they don't stop sending me junk mail.
Remember, the card company gets a percentage at the time of purchase, as well as any interest you let them collect from you. Yes, they're still making a profit on our accounts, and they can always hope that at some point we'll run up a high enough bill to be willing to pay some interest. They may kill completely inactive cards, since they need a bit of income to pay for processing the account. But if you're actively using it, they aren't very likely to tell you to go away (though they may change which plan(s) they offer you).
Have a great lawyer and a fuck ton of money   Not only are financial regulations on online payment processors quite complex, each state and the federal gov have required licenses which cost in total around $5 million upfront and $1-2 million annually.