vania-janet/multiturn-rag-retrieval-data huggingface dataset:
While statistics do not necessarily apply to one individual's particular situation, you may want to google MIT's Wayward Sons report. Among many things, they do an analysis of ROI on college education. It is the highest it has been in history.
To quote their disclaimer: Data is provided by financial exchanges and may be delayed as specified by financial exchanges or our data providers. Google does not verify any data and disclaims any obligation to do so. That means that they buy it from a reseller such as IDC. It probably differs in source between the different exchanges depending on price and availability factors. They do specify in some cases which reseller they use and one of those happens to be Interactive Data (IDC) who are also the data provider used in my day job!
"**[Toronto, 1 August 2014](http://www.rbc.com/newsroom/news/2014/20140801-pmi.html)** - kanadiske produsenter erfarne en ytterligere bedring i hele virksomhetsforhold i juli, ifølge den **[RBC Canadian Manufacturing Purchasing Managers Index (RBC PMI)](https://www.rbcwmfa.com/thewoogroup/)**, drevet av raskere stiger, nye ordrer og sysselsetting i begynnelsen av tredje kvartal. I mellomtiden input kostnadsinflasjon fortsatte til moderat, som i sin tur bidro til laveste veksten i produsentenes produksjon kostnader så langt i år. En månedlig undersøkelse, i samarbeid med Markit og tjenester ledende global finansiell informasjon i Supply Chain Management Association (SCMA), RBCPMI tilbyr en omfattende og tidlig indikator på trender i kanadiske industrien. På 54.3 i juli handelspartnere opp fra 53.5 i juni, overskriften RBC kanadiske Manufacturing PMI postet over nøytral 50.0 verdien for sekstende påfølgende måned. Siste lesing var høyest siden November 2013 og signaliserte en robust generell forbedring i produksjon sektor forretningsforhold. ""Canadas produsenter sparket av andre halvdel av 2014 sterkere fotfeste, tydelig fordel fra bedre global økonomisk aktivitet-det er oppmuntrende å se momentum,"" sa Paul Ferley, assisterende sjef økonom, RBC. ""Med den amerikanske økonomien dytter videre, vi forventer denne trenden vil fortsette."
Just wanted to chime in and reinforce everything that's already been said.   Practice exams are the best way to prepare, I did Kaplan myself. They are harder than the test itself, passed with a 92 when I never broke 80 on a practice exam. Good luck!
"This is the best tl;dr I could make, [original](https://www.imf.org/external/pubs/ft/wp/2015/wp15174.pdf) reduced by 97%. (I'm a bot) ***** &gt; I choose to exogenize GDP per capita, by imposing that institutional quality has no contemporaneous effect on the former while GDP per capita is allowed to contemporaneously impact institutional quality.  &gt; Interestingly, after shocks both on GDP per capita and on institutional quality, institutional quality quickly returns back to its trend.  &gt; 12 3 Peak response of GDP per capita to a 1% shock in institutional quality Peak response of institutional quality to a 1% shock in GDP per capita 0.6 2.5 2 0.7 90% confidence interval 0.5 0.4 1.5 0.3 1 0.2 0.5 0.1 0 0 Corruption Perception Economic Freedom of the Index World Index Corruption Perception Economic Freedom of the Index World Index Figure 7.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6iqntt/institutions_and_growth_a_gmmiv_panel_var_approach/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~149851 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*: **institutional**^#1 **quality**^#2 **per**^#3 **capita**^#4 **Index**^#5"
" **The correct calculation is:** - what is the data - how can that data be combined with data about me from *everywhere* else: social networks, public records, credit card transactions, location data, etc - who could potentially get their hands on it (generally the company's tech/marketing partners and vendors + data brokers -- assume everyone) - what's the worst possible way that I imagine this could be used (e.g., to show me ads for italian restaurants, to show me higher prices because it looks like I'm a big spender, to prove that I'm cheating on my wife, etc) Then if you're still cool with giving them the data, awesome! Just remember that we have crappy memories, but computers don't. You might not recall that night in a hotel a few years ago, but computers do. You may not pick up on the subtle long term patterns in your own behavior (like the fact that your ""totally random cravings"" for a Big Mac occur predictably every 12-14 months), but computers will."
Oh please. Now the political effluvium of the PRC is news.   The CPC  is using an outdated measure of rural daily earnings to define poverty which is ridiculous in modern Chinese cities which are comparatively expensive. All you need to know is that inequality is soaring in Chinese cities. And the ability of the urban poor to afford basic necessities - despite having incomes that exceed the poverty minimum - has collapsed.   You can't simultaneously have inflation and an inflexible poverty line and achieve a meaningful measure of poverty.
http://finance.yahoo.com/q/hp?s=EDV+Historical+Prices shows this which matches Vanguard: Mar 24, 2014  0.769 Dividend Your download link doesn't specify dates which makes me wonder if it is a cumulative distribution or something else as one can wonder how did you ensure that the URL is specifying to list only the most recent distribution and not something else. For example, try this URL which specifies date information in the a,b,c,d,e,f parameters: http://real-chart.finance.yahoo.com/table.csv?s=EDV&a=00&b=29&c=2014&d=05&e=16&f=2014&g=v&ignore=.csv
I believe you are missing knowledge of how to conduct a ratio analysis. Understanding liquidity ratios, specifically the quick or acid-test ratio will be of interest and help your understanding. http://www.investopedia.com/terms/a/acidtest.asp Help with conducting a ratio analysis. http://www.demonstratingvalue.org/resources/financial-ratio-analysis Finally, after working through the definitions, this website will be of use. https://www.stock-analysis-on.net/NYSE/Company/Exxon-Mobil-Corp/Ratios/Liquidity
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"Usually you gotta build those tools for yourself :P, you can usually build em in excel  as its fairly easy and sort to see what is the most profitable, you can code most of the heavy lifting in excel, monte carlo/""complex"" methods you probably won't even need...   I'm a strong proponent of R however what you're doing is not that complex....  edit: I accidently a word."
I'm a programmer, and worked for a company doing natural language analysis and parsing.  Yes, it is possible to figure out what reviews are more valuable than others by passsing it through an algorithm.  How the heck do you think spam filters work?
You can give YQL a try. I'm not sure it can do the query you want, but for example you can do: (try it here) And this best thing about it - it's free.
The company gives the best automotive dealership valuation services. Basically, our company aims the better services our client in the world  Please locate the automotive expert witness you are searching for by clicking on our company website link. The dealership valuation firm found on this page may consult on issues regarding automotive engineering, automotive technology, commercial vehicles, manufacturer warranties, and automotive dealer. The company consultants may provide reports concerning auto defects, automotive recalls, auto engines, automotive fires, automotive suspension, automotive electrical system.
I would say binomial tree, except your last sentence,  &gt; The probabilities of the various outcomes are unknown.  causes issues with that.   You could do a scenario analysis in which you compare values using different %chances of up vs. down.
I don't know much about finance, but maybe you should research some stocks, find one that outperformed the market during a recession or downturn and analyze it.  My first guess would be to go onto finance.google click some stocks and look at the graph during a time period when there was a downturn, click the button that compares it against the s&amp;P or DOW and if the stock is higher then, yippee-ki-yay,  you found something to analyze.
such analysis helps you keep track of the percentage of income that you invest You could apply 1:1:1 ratio. i.e spend 1/3, save 1/3 and invest 1/3. Hope that helps
I see three options, none of them ideal:
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"I am assuming I had to describe it in 2004 when facebook was founded. Describing one company in terms of another makes descriptions much more concise albeit at the expense of sounding derivative. ""A social network for college students"" would be fine as well."
Under what conditions did you move? My favourite method of judging prices objectively comes from concepts written in Your Money or Your Life by Joe Dominguez. Essentially it normalizes money spent by making you figure out how much an item costs with respect to the number of hours you needed to work to afford it. I prefer that method versus comparing with others since it is objective for yourself and looks beyond just the bare prices.
As far as broad principles, I think that you are on track. The only suggestion I would have is to look into HSAs. They are another great tax-advantaged account, accessible to those with high incomes.
This would be better posted in /r/personalfinance. But since I'm here, you need to seriously consider selling anything you can possibly part with and pick up a second and/or third job. I hope you didn't charge that whiteboard purchase.
This is just my experience but I think I have to put in the account holder's name or last name to check that I'm sending it to who I think I'm sending to.
Figure you need as much cash in the bank to pay all of your bills for the amount of time it would take you to find a new job if yours went away.   Also .. congratulations on your situation .. good work.
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"Here's a blog by a guy who is trying to do this: Personal Loan Portfolio And here's another one: bobharris.com Do a quick search for ""prosper loan"" or ""kiva"" on blog search."
I have two different thoughts on this subject.
"American Express is great for this use case -- they have two user roles ""Account Agent"" and ""Account Manager"" which allow you to designate logins to review your account details or act on your behalf to pay bills or request service. This scheme is designed for exactly what you are doing and offers you more security and less hassle. More details here."
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"My own personal point of view. I earn about twice what my wife to be earns. We are planning on getting married next year.  I ultimately do all the finances (basically because she hates that kind of thing) not because I'm in charge or whatever. To work out how we do this I wrote a spreadsheet:  At the top it has my monthly pay in one column and her's in another. I add all our bills (against me initally). At the bottom I have a total of both of our ""spending money"". Spending money is wage - bills - savings I then move money out of my column into her column. My goal is that we pay all the bills and save a decent amount and have roughly the same amount to spend each month. So each persons spending money should be roughly equal. I then fine tune this as things change (if we get a pay rise we alter it, if a bill goes up or down we alter it) To manage this we have 4 accounts, a joint account to pay bills (both give a set amount to each mont), a savings acount (both give a set amount to each month) and our own accounts (where we get paid and where our spending money lives). Like everyone else says, this seems fair to me. I don't earn more, we both earn ""an amount"" and this should be split equally."
This really depends on your own experience. I just graduated this year with my bachelors in Finance. I’ve read some books that are extremely  below me and also extremely above me. Therefore I recommend reading the amazon samples if they’re available or renting the books.
I'm pretty sure this isn't a /r/personalfinance question. Sounds like you have that on lock. You are asking some existential questions. Maybe find a way to travel or vacation for a month. Don't sacrifice what you have worked for in a temporary feeling of doing the wrong thing.
I see two ways to look at it:
I think there is a rather unclear line, but it is being crossed. I don't want to say NO career advice, because there has been some really helpful questions asked that, while they want to know for a job search, are helpful. There's also the posts like WHAT DOES AN INVESTY BANKER ACTUALLY DO? That don't belong here. Tricky to differentiate what's okay from what isn't, but at the moment I'd rather downvote the incorrectly posted to keep the useful posts
Be aware that it's not exactly a good situation to be in, to be suing your landlord; second only to suing your employer, in my opinion, in terms of bad things to do while hoping to continue the relationship. Find an alternative as soon as you can if you go this route. In the future, pay a lot of attention to detail when making application fees. Often the application fee is needed before you get into too much detail - but pick a location that has reasonable application fees, and no extras. For example, in my area, it's typical to pay a $25 application fee, nonrefundable, to do the credit check and background check, and a refundable $100-$200 deposit to hold the unit while doing that; a place that asks for a non-refundable deposit is somewhere I'd simply not apply at all."
Try reading about budgeting.  Make a list of all income coming in and all expenses going out. Eliminate any unnecessary expenses and try to increase income, which could include a part-time second job.  Try to always put a portion of the income away as savings - try 10%, but if this is too hard to start with try saving at least 5% of the income.
I suggest you to test AlauxSoft Accounts and Budget. This software is a money-like. There is a freeware and a shareware (24 EUR). You will find its at http://www.alauxsoft.com Best regards, Michel ALAUX.
Can you offer an alternative solution?   Sounds like you are not well versed in the reasoning for fiat money. Before trying to pass opinions that you have not formed on your own I would do some research.   So go ahead, I challenge you. What is a better way?
Gosh, I don't know, maybe emergencies or unforeseen expenses like a car repair or maybe even just discretionary $ where you can buy new eyeglasses/frames or, get the fuck outta here, this is going to blow your mind, be impulsive and get on a plane and book a hotel for  3 or 4 days?  Let me guess, your answer to all that is charge it! And since you don't keep $1k in savings pay the minimum balance.  Also:  * https://meetbeam.com/ * https://www.ally.com/bank/savings-account-rates/ * https://www.synchronybank.com/banking/high-yield-savings/
Over time, fees are a killer. The $65k is a lot of money, of course, but I'd like to know the fees involved. Are you doubling from 1 to 2%? if so, I'd rethink this. Diversification adds value, I agree, but 2%/yr?  A very low cost S&P fund will be about .10%, others may go a bit higher. There's little magic in creating the target allocation, no two companies are going to be exactly the same, just in the general ballpark. I'd encourage you to get an idea of what makes sense, and go DIY. I agree 2% slices of some sectors don't add much, don't get carried away with this.
You can open an HSA account with any financial institution that you like, and roll over the money from your current account into the new one.  Since you are no longer in a High Deductible Health Plan, you can't contribute any new money into an HSA, but you can still spend the money in your HSA on eligible medical expenses, until it is gone.  There are lots of things that you can spend HSA money on, so there is no need to cash out and take on taxes and penalties. Yes, there are HSA accounts that don't charge ongoing maintenance fees.  Check with a local credit union; they usually have no-fee HSA accounts.
"How? This is a legit question. Equipment is expensive, how can someone get financing to do research if their past experience is ""intern""? The other way in would be to look for an already open position, but that's not always easy to come by."
"My suggestion would be""inclusive/ including 2% service charge"" or ""2% deductible towards service charge would apply"""
SELECT a2.account_type , a4.name, a3.name, a2.name, SUM(ROUND(IF(a2.account_type='EXPENSE',- s2.value_num,ABS(s2.value_num))/s2.value_denom,2)) AS amt FROM ( SELECT s1.tx_guid FROM gnucash.accounts AS a1 INNER JOIN gnucash.splits AS s1 ON s1.account_guid = a1.guid WHERE a1.name='Property A' ) AS X INNER JOIN gnucash.splits s2 ON x.tx_guid = s2.tx_guid INNER JOIN gnucash.accounts a2 ON a2.guid=s2.account_guid INNER JOIN gnucash.transactions t ON t.guid=s2.tx_guid LEFT JOIN gnucash.accounts a3 ON a3.guid = a2.parent_guid LEFT JOIN gnucash.accounts a4 ON a4.guid = a3.parent_guid WHERE a2.name <> 'Property A' # get all the accounts associated with tx in Property A account (but not the actual Property A Bank duplicate entries. AND t.post_date BETWEEN CAST('2016-01-01' AS DATE) AND CAST('2016-12-31' AS DATE) GROUP BY a2.account_type ,a4.name, a3.name, a2.name WITH ROLLUP ; And here's the output. Hopefully someone has a better suggested approach!"
Plaid is exactly what you are looking for! It's docs are easy to understand, and you can sign up to their API and use their free tier to get started. An example request to connect a user to Plaid and retrieve their transactions data (in JSON):
I generally concur with your sentiments. mint.com has 'hack me' written all over it.  I know of two major open source tools for accounting: GNUCash and LedgerSMB. I use GNUCash, which comes close to meeting your needs: The 2.4 series introduced SQL DB support; mysql, postgres and sqlite are all supported. I migrated to sqlite to see how the schema looked and ran, the conclusion was that it runs fine but writing direct sql queries is probably beyond me. I may move it to postgres in the future, just so I can write some decent reports. Note that while it uses HTML for reporting, there is no no web frontend. It still requires a client, and is not multi-user safe. But it's probably about the closest to what you what that still falls under the heading of 'personal finance'. A fork of SQL Ledger, this is postgreSQL only but does have a web frontend. All the open source finance webapps I've found are designed for small to medium busineses. I believe it should meet your needs, though I've never used it. It might be overkill and difficult to use for your limited purposes though. I know one or two people in the regional LUG use LedgerSMB, but I really don't need invoicing and paystubs.
Gnucash uses aqbanking, so I'd suggest looking at aqbanking to see if it will do what you want. It seems to be actively developed (as of 26.2.2011), but the main page is in German and my German is a bit rusty... You might also try asking on the gnucash-users list.
I would go to the bank and ask for another card and U will sleep like a baby :)
As much as I know StarMoney has also a web service for banking.
"What about getting the saving account - ""Bausparen"" (~100EUR/month) which you can later use for credit to get better mortgage deal and to buy a flat for renting to others (Anlegerwohnung)?"
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Answering my own question, I figured it out: yes, there is a way, with a tool called gnucash2ledger.py. Versions used: GnuCash 2.6.1, Ledger 2.6.2, hledger 0.22
Show your Bank passbook, preferably signed one, to relevant money sender.
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