vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Just for anyone who doesn’t read the link a few posts above, when OP says some people will do this and still be in poverty, he means 2% of people. 98% of people who do this get out of poverty, and 75% get into the middle class.
&gt; and you can't buy anything with them  not true at all.  gold converts to ANY/EVERY currency in the world  look, I don't care what you do.  your question was how to make $500 into more.  my answer is one answer.  but I encourage you to [follow the price of gold and silver](http://www.infomine.com/investment/metal-prices/gold/) from time to time (weekly?) to see the path I predicted  here are two videos to help you learn  https://www.youtube.com/watch?v=MvBCDS-y8vc  https://www.youtube.com/watch?v=XRphHg87uSc
&gt;Be accountant.    &gt;Travel to Switzerland.    &gt;Bribe bank managers to tell you which companies have large accounts there.    &gt;Get hired at one of those companies.    &gt;Collect documentation.    &gt;Turn in to IRS   &gt;Become hundred millionaire.    It's a bit unconventional, but I dig it.
Switch to a different product. For $500, you'd be surprised what you could buy wholesale.   Potential options:  -Find something appropriate to wholesale to your peers on Alibaba  -Start a T-shirt company with graphics relevant to your school, area, or pop-culture microcosm. Edgy inside references with clean graphics being ideal. Shopify is $25 a month + Print on demand t-shirt company (about $7 profit per shirt) + Fiverr for inexpensive graphics --&gt; you could launch a local T-shirt brand for less than $100.
2,000 hours or 2,500 hours at time-and-a-half  Yikes!  OK, so let's say you work a full 40 hours a week, 50 weeks a year (2 weeks vacation.) That's 2000 hours right there.   If you're pulling in 2000 hours of OT that means you're working 80 hours a week, 16 hour days.  I make $27.88/hour on my current gig, OT would be 41.82 * 2000 hours would be $83,653 on top of the $58K I already make. $141K per year. In order to hit $221,000 their wage must be $43.51/hour with an annual income of 90,500.8 for 40 hours a week and then $130,530 for working the additional 40 hours a week.
Pete, 25 years of inflation looks like 100% to me with back of napkin math. $220K will feel like $110K. In today's dollars, can you live on $110K?  (Plus whatever Social Security you'll get)? My concern from what you wrote, if I'm reading it correctly, is that you have this great income, but relatively low savings until now.  From the recent question Building financial independence I offered a guide to savings as it compares to income.  Even shifted 5 years for a later start, and scaled for a 70-75% replacement ratio, you should be at 2X (or $440K) by now. That's not a criticism, but an observation that you've been spending at a nice clip so far. The result is less saving, of course, but also a need for a higher replacement ratio.  Last, a 10% return for the next 25 years may be optimistic. I'm not forecasting doom or gloom, just a more reasonable rate of return, and wouldn't plan to see higher than 7-8% for purposes of planning. If I am wrong, (and if so, we can both laugh all the way to the bank) you can always scale back savings in 10-15 years. Or retire earlier.  Note: Pete's question asks about a 40 year old working till 65, but the comment below has him 48 and planning to work until 62. 14 years of $45K deposits total less than $700K. Even at 10%, it wouldn't grow to much more than $2M, let alone $5M.
/r/savedyouaclick   1. Focus on earning  2. Develop multiple streams of income   3. Save to invest, don't save to save   4. Be decisive   5. Don't show off — show up    6. Change your mindset about money    7. Invest in yourself    8. Ditch the steady paycheck    9. Set goals and visualize achieving them    10. Start hanging out with people you admire   11. Shoot for $10 million, not $1 million
"I'm in a similar boat. I've come to a simple conclusion. There are three choices:  * Get something liquid that paces inflation. Stocks or bonds or something. Your 500USD 2014 dollars will still be worth about 500USD 2014 dollars in the future. If you need the change, you pull it and spend it.  * Upfront capital for something entrepreneurial. I don't know what to do, you don't either. Whatever it is it's probably a fuckton of work. I've heard stories about guys busting ass for a lawnmowing business and employing their peers for pennies on the dollar. 8 bucks is in the range of minimum wage. Charge 15 bucks an hour for your service and you've just become the recipient of 7 ""free"" dollars an hour for somebody else's labor. Congrats, you've got the first taste of capitalism.  * Buy a motorcycle. Fun. Cheap. Sexy. Fun. Economical. Fun. Pushes all the right buttons for those in our position: you get economical transportation, it's fun as hell, and bitches love it. Wear leathers.  I think I'd choose the motorcycle. Youth is fleeting, money is infinite. Don't be the average first-time Harley purchaser: 50 years old and way too old to enjoy it."
The compound annual growth rate of the S&P 500 over the last 20 years is in excess of 7% annually. http://www.moneychimp.com/features/market_cagr.htm Several index funds mirror the S&P 500 such as, but not limited to SPDR S&P 500 ETF Trust. An annual growth rate of 7% on a $5,000,000 portfolio implies gains of $350,000 per year, every year investing passively. Most of us can live reasonably well on $350,000 per year! I will argue that the chances of all 500 companies in the S&P 500 going bankrupt or nearly so at once is slight and less likely than the same for Google.
Assuming you can get keep getting credit cards like this forever, you open yourself up to risk in short term losses. Stock/bond prices fluctuate. If you need to pay the money back for some reason (at the end of the 15 months) your investment may be less than the 5,000 you started with.
I just checked TCF's rates, and they only pay a miserly rate of 0.25%. Banks like Capital One or Sallie Mae pay about 1.15%, which is more than 4x, though still nothing great. Do you expect to use these funds in 5 years (e.g. for down payment on a house), or could you contribute them to an IRA?
You need money, right? Every body want to make money easily.There are many earning way on online.I will mention here Top 100 ways to earn money online. If you have a computer with internet connection you will do it from any where of the world. pls visit- http://howtomake-moneyonline.com/top-100-easy-ways-to-earn-money-online/
Math time.  24 means 2 years out of college, or 6 years out of highschool, the latter being much more plausible given the poster's content quality.  $100k / 6 = $16.7k/year  16.7k / 52 weeks = $321/week  $321 / (11/hr * (1 - 15% taxes)) = 34 hours per week.  So he worked 34 hours per week, without fail, for 6 years, with NO expenses of any kind whatsoever.   OR, much more likely, he managed to save only $10k, not $100k in 6 years.
This seems much more reasonable :) Just thought I might be catching someone talking without knowing. A lot of people like to brag about their  unverifiable success on here so I'm always on the lookout for any obvious bullshit in their claims.
I would be realistic and recognize that however you invest this money, it is unlikely to be a life-changing sum. It is not going to provide an income which significantly affects your monthly budget, nor is it going to grow to some large amount which will allow you to live rent-free or similar. Therefore my advice is quite different to every other answer so far. If I was you, I would: I reckon this might get you through half the money. Take the other $25,000 and go travelling. Plan a trip to Europe, South America, Asia or Australia. Ask your job for 3 or 6 months off, and quit it they won't give it you. Find a few places which you would really like to visit, and schedule around them a lot of time to go where you want. Book your flights in advance, or book one way, and put aside enough money for the return when you know where you'll be coming back from. Stay in hostels, a tent or cheap AirBnB. Make sure you have a chance to meet other people, especially other people who are travelling around. Figure out in advance how much it will cost you a day to live basically, and budget for a few beers/restaurants/cinema/concert tickets/drugs/whatever you do to have fun.  It's really easy nowadays to go all sorts of places, and be very spontaneous about what you want to do next. You will find that everywhere in the world is different, all people have something unusual about them, and everywhere is interesting. You will meet some great people and probably become both more independent and better at making friends with strangers. Your friends in other countries could stay friends for life. The first time you see Rome, the Great Barrier Reef, the Panama canal or the Tokyo fish market will be with you forever. You have plenty of years to fill up your 401K. You won't have the energy, fearlessness and openmindedness of a 23 year old forever. Go for it.
What do you offer?  PM me your resume.   Edit: Don't care about $500, I know places hiring in Minneapolis so happy to pass along info if you meet any qualifications for open roles. Need more info to go off though.
Keep the balance between 70/30 and 75/25. You can move half the excess beyond inflation to your bank accounts. That's the money you have to spend each year. Don't withdraw money if you aren't keeping up with inflation. Don't try to time the market. Much better informed people with better resources will be trying to do that and failing. Play the odds instead. Keep to a consistent strategy and let the market come back to you. If you chase it, you are likely to lose money. If you don't spend money this year, you can save it for next year. Anything beyond $200,000 in the bank accounts is available for spending. In an emergency you may have to draw down the $200,000. Be careful. It's not as big a cushion as it seems, because you don't have an external income to replace it. I live in southern California but would like to move overseas after establishing stable investments. I am not the type of person that would invest in McDonald's, but would consider other less evil franchises (maybe?). These are contradictory goals, as stated. A franchise (meaning a local business of a national brand) is not a ""stable investment"". A franchise is something that you actively manage. At minimum, you have to hire someone to run the franchise. And as a general rule, they aren't as turnkey as they promise. How do you pick a good manager? How will you tell if they know how the business works? Particularly if you don't know. How will you tell that they are honest and won't just embezzle your money? Or more honestly, give you too much of the business revenues such that the business is not sustainable? Or spend so much on the business that you can't recover it as revenue? Some have suggested that you meant brand or stock rather than franchise. If so, you can ignore the last few paragraphs. I would be careful about making moral judgments about companies. McDonald's pays its workers too little. Google invades privacy. Exxon is bad for the environment.
It would depend on the market you are in, state/city. 15k isn't a lot to get started on anything really serious. As for kicking the guy out? Wouldn't that take money away from your father from rent? If you know anything about PC repair, you can go get your A+ cert and setup shop in your home, and leave the money coming in for rent. Build up a client base and when you start growing, rent your own space or then kick the guy out. Crawl, before you walk. It seems you want to start out running.   Overall, I would just say look at your local market, and figure out what they are in need of, then go from there. That is the safest way you could possibly use the money.   If you know anything about cars, you can go to auctions, and ads in the paper, buy cars, fix them or put them up for sale. Ideally you could buy about 3 or 4 cars with that money, then make about 1k on each by reselling. Depending on your area after 3 cars in x amount of time, you may have to get a dealers license.
Wow man! Godspeed. As long as you have a plan to ultimately go grand and strictly stick to your planned timelines, I'm happy for you in all cases...however, while you are at it, do not forget to start your family and settling down as well. Keep a balance in life and don't let the life Pass by on a single track.. Best wishes and regards...
Thanks I make 6 figs doing exactly as I said, and can pull it up at my leisure by crapping out the occasional menu for a restaurant at my leisure.   9 to 5 wankers lmfao I kick it from a beach in Vietnam and code maybe 4 hours a day. Sometimes I fly back to work when it hits the fan and pull an overnighter or two, and then life is back to being good.   Yall have made this world for yourselves and rather than take a step back and realize that you are shoveling deeper into a pit of shit, you try to become gods of your shit pit, convincing yourselves and your underlings that the deeper you dig the bigger a man you are. You're still just digging a shit pit.
In addition to the other excellent answers here, check out Mr. Money Mustache's site, it's based in the US but the basics still hold here in the UK. Another great site is the Monevator which is UK based and gives some great information on passive investing. Well done on getting to this point at your age - you've got plenty of time for the miracle of compound interest to work for you. EDIT: Once you have any existing debts paid off, take a look at passive/index investing. This could be a good way to make your £150 work for you by capturing the gains of the stock market. Invest it long-term (buy and hold) to make the most of the compound interested effect and over time that money will become something substantial - especially if you can increase payments over time as your income increases. You could also look at reducing your outgoings as recommended on the Mustache site linked above so you can increase your monthly investment amount.
Just like sports players... he may make that now, but where's he going to be in five years. Plus he has alimony, kids, rent, car payment, some going to an agent/publicist and investing in future ventures. This man is successful, but far from rich/greedy.
&gt;[**Кингсмен. Профит 15% за сутки! Хочешь заработать, заходи сейчас!!! Как быстро заработать в интернете [4:48]**](http://youtu.be/acmak48WgjQ)  &gt;&gt;Друзья, сегодня на обзоре, новый проект кингсмэн  &gt; [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^&amp; ^Blogs  &gt;*^2 ^views ^since ^Oct ^2017*  [^bot ^info](/r/youtubefactsbot/wiki/index)
Buying options on a highly volatile underlying like AMD or JNUG. You may make piles of cash or go to zero, but it will be fast at least.  Also working 6-12 and not just 9-5.  Also you want /r/personalfinance
Если вы знаете сумму месячного розничного торгового оборота своей страны и готовы иметь маленький процент от огромного количества транзакций ежедневно совершаемых каждым человеком на этом рынке. Если вас интересуют, а главное если вы готовы к серьезным доходам. Если вы ищете перспективный и трендовый бизнес с минимальными вложениями, работающий в реальном секторе экономики. Который может обеспечить вас пассивным доходом на всю жизнь. Вы в нужном месте и в нужное время Посмотрите рекламный ролик, самой инновационной компании.
Convert the money into United States Dollars,  put it in an NRE account in India and get 5% per annum for the USD.
"Thousands of others making &gt;100k with no need to have buckets of student debt to learn the trade.   Pop open linkedin, search in the bay area for ""front end."" Filter by ""posted last 24 hours."" Should see about a thousand jobs. Do this daily, the number doesn't drop, and linkedin doesn't let companies spam post, so that's nearly 1000 unique jobs, daily."
Can you provide me some evidence of all these $100k+/yr financial blogging jobs?  Because you in no way over simplified what it takes to get to that level of blogging...  If I'm wrong please show me how I can do that.  I'm sure a lot of people here would be interested in knowing as well.
2 very viable options.  Real Estate is cheap now and if you hold a few properties for the long term the price should rise.  You can use them as rental properties to supplement your income.  In addition agriculture is also very viable.  How else you gunna feed 7 billion?  Might as well cash in on that.
"The supposed the-sky-is-falling ""$5000"" figure would require *five hundred* transactions. If anybody actually did that across the 8 days the promotion was active that would require *62.5 transactions per day*.  I think it's more likely that someone was making shit up on the internet."
Given your timeframe, risk tolerance, and the fact that you don't need this money, I would suggest a balanced approach. Something like: If you want to have fun investing, you could look into things like lendingclub, or bonds, or stocks, etc. But an allocation like I've outlined above is a pretty good balance of risk and reward over that timeframe.
Your calc is spot on, the output is small because it's just 5 days worth of interest, and at today's low rates that's practically 0. Also the rate you would want to use is money market rates as that's typically where companies will park cash to earn interest since its a highly liquid market.
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I would say it's all relative. Take the following two scenarios: If you were facing these options, would you chose #2 just because you pay a lower tax rate, even though you make less money? These numbers are of course fictional, but the point I'm trying to make is that everyone will seek the method that allows them to make the most money. If they have to pay a higher tax rate, so be it. One other thought: daytraders will have higher expenses, which are deductible.
If you are interested in short term trading and live in the UK you can do some Spread Betting. If you know what you are doing you can make money no matter which way the market is moving. Note that most people don't know what they are doing and lose their money pretty quickly.
"It's talked about quite often among more experienced investors. They were/ are used extensively by hedge funds.  Keep in mind that if your option expires when not ""in the money"" you lose the premium you paid for the purchase of the option. That's where the risk comes in.  I've grown really interested in options over the last couple months. Check out McMillan's Guide to Options. It's generally thought of as the quintessential beginners guide to understanding options.  Good luck!"
I'm currently using ecns to trade odd lot taxables. However, this is a market that some days produces big returns and some days the faucet is barely dripping. The constant uncertainly and having to go to work everyday to hunt is awesome but at the same time rather questionable in the long run. Any suggestions? I'm also looking to raise my current take home.
It seems at most a cosmetic difference - nothing keeps you from adding the 9$ cash to the fund the same day the fees are deducted from the shares.
it is pretty much the same as a normal margin loan but cheaper because you don't own the underlying share.the if the margin is $1000 at 5% you could borrow $20000 in total so the actual amount would be $19000 in total that you would have to pay interest on so at the moment it is 5.1% which is $19000x5.1% /365 days =$2.66 a day and if the share price rises you don't pay extra in interest costs unless you have borrowed more.it still stays at 2.66 a day until you have sold the shares
Bạn có sử dụng chiến lược Vàng hàng ngày theo Spot Gold Price không?  Nội dung hợp đồng cung cấp chiến lược Vàng hàng ngày theo Spot Gold Price.  Sự khác biệt giữa Nhận định và Chiến lược của chúng tôi là điểm ra – vào thị trường.  Một dòng tiền thông minh sẽ có sự lựa chọn thông minh khi tham khảo Nhận định của chúng tôi !
Here is a deliberately simple example of Dollar Cost averaging: Day 1: Buy 100 shares at $10. Total value = $1,000. Average cost per share = $10.00/share (easy). Day 2: Buy 100 more shares at $9. Total value = $1,900. Average cost per share = $9.50/share (1,900/200). Notice how your average cost per share went from $10.00 to $9.50. Now instead of hoping the stock rises above $10.00 a share to make a profit, you only need it to go to $9.50 a share (assuming no commissions or transaction fees). It's easy to see how this could work to your advantage. The only catch is that you need buy more of a stock that is dropping (people might think you're crazy). This could easily backfire if the stock continues to drop.
I'm not too sure tbh, i'm just getting my series 7 first before anything. But thank you for such a well thought out response.  I'd probably trade something that has a bit more volatility like BAC or something though.
Yeah, now I feel bad for my snarky response. I could have been more constructive and helpful. It's tough trying to figure all this out, especially if its all new. I appreciate your willingness to edit your post and your attitude. I'd say if you're looking for more personal and detailed responses, there are great Day-in-the-Life articles and interviews/forums that will be more helpful than this Finance reddit. Keep up the good work and good luck.
ISOs (incentive stock options) can be closed out in a cashless transaction. Say the first round vests, 25,000 shares. The stock is worth $7 but your option is to buy at $5 as you say. The broker executes and sells, you get $50,000, with no up front money.  Edit based on comment below - you know they vest over 4 years, but how long before they expire? It stands to reason the longer you are able to hold them, the better a chance the company succeeds, and the price rises.  The article Understanding employer-granted stock options (PDF) offers a nice discussion of different scenarios supporting my answer.
If you're willing to shell out some cash, vendors will be quite happy to sell you everything you need. Picking one out of thin air, and no idea if this is a good price or not, the CBOE will sell you EOD data for every option for $40 for one day, and at a discount for multiple days.  Beyond the high/low/close for each contract, you get the volume. Or a month of TAQ data will run your $1550, for what that's worth, which probably isn't a lot for a retail strategy.