vania-janet/multiturn-rag-retrieval-data huggingface dataset:
"This is the best tl;dr I could make, [original](http://www.nber.org/papers/w23371) reduced by 72%. (I'm a bot) ***** &gt; NBER Working Paper No. 23371Issued in April 2017NBER Program(s): AG DAE ED EFG HE LS PR. Using panel data on individual labor income histories from 1957 to 2013, we document two empirical facts about the distribution of lifetime income in the United States.  &gt; For women, median lifetime income increased by 22%-33% from the 1957 to the 1983 cohort, but these gains were relative to very low lifetime income for the earliest cohort.  &gt; Partial life-cycle profiles of income observed for cohorts that are currently in the labor market indicate that the stagnation of lifetime incomes is unlikely to reverse.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ltobr/lifetime_incomes_in_the_united_states_over_six/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~161478 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*: **income**^#1 **lifetime**^#2 **cohort**^#3 **inequality**^#4 **labor**^#5"
I love when my professors would shit on greedy bankers during the housing market crash. One time, I made analogy of greedy banks to greedy education and the next bubble to pop which will crash the economy will be because of education costs and my professor flipped out! He told me college was a great investment and when I told him people said the same about homes he threw me out of class...never did get a refund either!
"IMO: If you look long and hard enough at your data you're going to bump into these kinds of ""patterns"". There is no ""curse of 7"".  “Looking at the chart makes you want to hide under your desk when you see it, but remember this is only a sample size of 11, and the average performance is greatly skewed by big drops late in 1907, 1937, 1957, and 1987. Also, consider that 1907, 1937, and 1957 were all recessionary years, and equities had run up 40% for the year in August 1987, so a pullback was not surprising."" [Quote](https://lplresearch.com/2017/08/11/the-curse-of-years-ending-in-7/)"
"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-06-16/the-housing-recovery-is-leaving-out-most-of-america) reduced by 85%. (I'm a bot) ***** &gt; For further evidence of the uneven recovery among U.S. housing markets, how&amp;#039;s this: In the 10 most expensive U.S. metropolitan areas, median home values have increased by 63 percent since 2000, after adjusting for inflation.  &gt; Home prices in 3 out of 5 metropolitan areas remain below their pre-recession peak, and home prices in low-income neighborhoods are faring even worse.  &gt; Home prices increased in 97 out of the 100 largest metropolitan areas, according to the report.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6hpc6k/the_housing_recovery_is_leaving_out_most_of/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~146042 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*: **percent**^#1 **home**^#2 **price**^#3 **report**^#4 **housing**^#5"
First, the annual report is just that, a snapshot that shows value at the beginning and end of the period. Beginning = Aug 08 = $105B End =       Aug 09 =  $89B Newsletter date May 10 = $96B Odd they chose end of August as it's not even a calendar quarter end. The $16B was market loss during that period. Nearly half of that seemed to be recovered by the time this newsletter came out. The balance sheet also has to show deposits and payments made to existing retirees. I haven't looked at the S&P numbers for those dates, but my gut says this is right. The market tanked and the plan was down, but not too bad.  Protect? The PBGC guarantees pensions up to a certain limit. I believe that in general, teachers are below the limit and are not at risk of a reduced benefit. You do need to check that your plan is covered. If not, I believe the state would take over directly. I hope this helps.
I think, based on their publicly available records, that they believe their own rather substantial increases in wealth since being elected are repeated amongst the general public.  Since they only circulate amongst the elite that pay for their elections, they probably are unaware that the average American has see their income decrease since the 1980's, while they and their friends incomes have increased an average of 10% per year since the 1980's.  So, for them, at least, their strategy is working.  But I still can't see why people vote for them.
Pricing of most books used for university courses looks like this (as many lecturers simply ask for the current edition, even if there were no significant discoveries in the field of study). I do not have the specifics for Hull, but compare both table of contents, and if close enough, save yourself Rs. 6400
&gt; If your studies are, say, 150K  Why?  You could spend that much but you could spend a lot less. [Room and board plus tuition and fees averages 21.5K / year at a state university](http://youngadults.about.com/od/finances/qt/publicschcosts.htm)  So 90K would be a much better estimate.   &gt; and you forego another 60K/y during 4 years of university,  Why that number?  [Median annual earnings for someone with a high school diploma was 25K.](http://money.cnn.com/2011/10/26/pf/college/college_tuition_cost/index.htm)  Your estimate is almost 2 1/2 times the median.  Also, many college students work while going to college, reducing that differential further.  But even if we take your numbers, they add up to a differential of 390K  (150 + 4 * 60), although 185 (85 + 4 * 25) would be closer to the median.  &gt; you will need to make roughly 39K more per year until you retire than you otherwise would have,   39K * 40+ years is roughly 390K?  I don't know where the 39K per year comes from.
Every single expensive book you buy - make sure you relist on eBay, Half.com, local craigslist, university boards, whatever ... the second after your final exam for that class. I figured that out when I went back to grad school, and the impact to my wallet was substantially less than undergrad (scaled for the number of classes). I ended up only being unable to sell maybe 2 or 3 books out of a dozen or so. And out of like $1000 on books, recovered probably $800.
Yea, I answer this question phrased differently like 2-5 times per week on here or in financial careers. I don't mind it and none of the people asking know any better, but it might be easier to have some generic answer for the internship advice.
Back in college I would go home every two weeks or so and meet up with my high school buddies for 30¢ wing night. Sure they weren't making a lot of the wings (if anything) but each of us would always drop at least $20-25 a person even if we only ate ~10 wings on average. Haven't been back since they switched to the variable wing pricing.
"This is the best tl;dr I could make, [original](https://hbr.org/2017/10/the-great-recession-drastically-changed-the-skills-employers-want) reduced by 91%. (I'm a bot) ***** &gt; In recent research we investigate how the demand for skills changed over the Great Recession.  &gt; In summary, we find that businesses more severely affected by the Great Recession were more likely to invest in new technology, and while this technology may have helped replace some forms of routine jobs, it apparently increased the demand for greater worker skills for other routine jobs.  &gt; Public policy has yet to figure out how to reallocate workers on a large scale following a recession, or provide for training in the new skills demanded by employers, but the need to do so is likely only to grow.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/77hsq1/the_great_recession_drastically_changed_the/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~231561 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*: **skill**^#1 **job**^#2 **Recession**^#3 **technology**^#4 **change**^#5"
You would know that if you actually read what I wrote. I say ""basically"" here, because: 1\. You confused ""inversely proportional"" with negatively correlated ... or proportional with a negative proportionality constant. Certainly you're aware that ""inversely proportional"" actually means a relation like y = C 1/x + k. 2\. ""won on income"" is just poor phraseology. Polls suggest that Trump had a slightly higher edge (2% vs. Hilary) for those whose income was in the higher tiers (most tiers above $50K/yr income). Polls suggest that he was strongly disfavored for lower incomes. Of course ... it's best seen in the poll I linked into my first post on this page. &gt; Jeez who would have thunk it, lifers post docs are bought it on their liberal academic surroundings. As if that was indicative of intelligence. Most of your sentences above had poor grammar and, at first, I suspected some advanced Russian bot. But this is atrocious. Try to express yourself in complete thoughts. Read what you wrote ... it's complete garbage. I almost didn't respond at all since it doesn't deserve a response."
" ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ew5ew/superrich_evade_on_average_nearly_third_of_their/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~135016 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **wealth**^#1 **tax**^#2 **very**^#3 **researchers**^#4 **found**^#5"
&gt;Mr. Bishop says he puts out an average of 35 posts a week, and estimates that he would need to spend a minimum of $9,100 a year if he opted to pay fees to promote each one of them to his more than 1,500 followers.  Who the hell wants to hear about a company 35 times a week?
"&gt;10,000 dollars more, on average, across 12 million employees, bro. That adds up.  That's about 5 dollars an hour more.  Not much. But the upward mobility in government jobs is severely lacking, so I'm not sure if that $5.00 an hour makes up for their inability to get raises.  I do hope you have proof for that number, however.  I call monopolized (or psuedo-monopolized) corporations, and high end CEOs rent seekers, because they seek to make FAR more than they need to even thrive.  The government doesn't make far more than it needs to thrive.  It does, however, mishandle funds and delivers them to . . . CORPORATIONS that lobby them!  Corporations are beholden to only their shareholders.  If I were to let corporations run the roads, you can be sure that only the most profitable areas would have roads, and most roads would have tolls.  Those without the means or without big corporations nearby would have to do with trails.  The gateway to success that Big Government is supposedly closing down with subsidies would ACTUALLY be closed down because private industry would control your methods of transportation, communication, education, and survival itself.  To reduce competition, they would keep you low, and suck off your funds.  They would call it fair because you CHOSE to live where you do, and not work hard enough, neglecting their own part in establishing the high wall that you cannot get over.  What do YOU think would happen if Big Government was sent away and our basic necessities were privatized?    Do you have illusions of ""free market"" dancing in your dreams?  Where companies compete rather than collude?    Do you imagine roads to the far reaches of the nation being kept up, or just the roads important for goods and people with money?  I want to know what you imagine the endgame will look like."
Lol was scrolling through and reread it and decided to address the other part of your comment :) he knows a friend working at his dads company making that much a year and they are in dire need of more welders lol so its like nearly guaranteed since he is a close friend and the dudes dad pays them all the same and doesnt give his son xtra lol so solid 80k.
"http://www.nytimes.com/2010/09/12/jobs/12search.html  ""Where you live and the cost of living there has only a small influence on that number, he added. (That may be a revelation to some Manhattanites.)""  I can't find the source I was talking about, but that's close. There's also what kewidogg said, people gravitate to places that make them happy."
Is the pay cycle every 2 weeks? So 30% each two week period is 1.3^26 = 917.33 or an APR of 91633%.  Loansharks charge less, I believe standard vig was 2%/week for good customers. Only 180% per year.
You really need to back that up. If you are talking about graduate degrees it is a way different ballgame as math and science researchers generally pay similar tuition's after GA and TA stipends are given out.  This takes cost out of the equation and higher prestige generally means accepting better students.  Thus their success become difficult to separate between their ability and the education they got.  As for undergrad degrees, the prestige doesn't matter.  You'll actually find a lot of public universities on those lists right up next to their expensive cousins.  Then there's this http://online.wsj.com/article/SB10001424052748703597204575483730506372718.html.
"What exactly do you need explained?  Short term returns show ""fat tails"" in their distribution.  Long term returns converge towards a gaussian distribution.  The authors think there's a connection between this and the ""long memory"" of volatility (i.e. that the autocorrelation of absolute volatilities also has a fat tail)."
big U econ grad here.  my knowledge of money and banking, the general economy's workings etc are well above the average person, but no other direct benefit...and nothing any employers I have worked for cared about
"This is the best tl;dr I could make, [original](https://hbr.org/2017/10/why-wages-arent-growing-in-america) reduced by 89%. (I'm a bot) ***** &gt; Since the early 1970s, the hourly inflation-adjusted wages received by the typical worker have barely risen, growing only 0.2% per year.  &gt; We also know that educated workers have fared better; the wages received by those who finished their education with a four-year college degree grew from 134% of high school graduates&amp;#039; wages to 168%. While increasing educational attainment has helped to raise wages for many workers, it remains the case that the majority of Americans have not completed a four-year degree.  &gt; The deteriorating value of the inflation-adjusted minimum wage, along with declining union membership, have lowered wages for many in the bottom and middle of the wage distribution.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/78ow1c/why_wages_arent_growing_in_america/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~234980 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*: **wage**^#1 **worker**^#2 **growth**^#3 **policy**^#4 **share**^#5"
"I completely agree. And I can also tell you that out of the 89 ""cliches"" that this article mentioned, I've probably only heard 20 of them, and less than 10 on a regular basis (cuz let's face it, ROI actually does mean something)"
I agree. There are numerous sources for homework help on the rest of the interwebs. BUT I do enjoy when people post their homework problems. They are fun to solve.  Keeps me on my toes. Albeit, this sub shouldn't be relied upon in this manner.   Perhaps we could get some sort of Financial Problem subreddit or something along those lines?
Here is a list to Yahoo! Finance API.  Not sure how much longer this will be support though: https://code.google.com/p/yahoo-finance-managed/wiki/YahooFinanceAPIs
That depends on the sort of trouble you are facing with regard to the model. If it is a vanilla problem around model flows or treatment of certain everyday line items, I find that [ASimpleModel](https://www.asimplemodel.com) helps quite well.  If it is vertical specific (tech in this case), I recommend that you post your question on the appropriate forum on WSO and a tech banker/investor might provide some insight.
"Get him the book ""Total Money Makeover"" (http://www.amazon.com/Total-Money-Makeover-Classic-Financial/dp/1595555277/ref=sr_1_1?ie=UTF8&qid=1448904191&sr=8-1&keywords=total+money+makeover) and tell him to follow the baby steps. If he comes to you again or doesn't follow your advice, remind him to follow the baby steps. Repeat as needed."
&gt;[**Новый инвест проект Cpamaxpro ! Деп 25 $ ! Инвестиции в хайп проектах? Заработок с вложениями [6:17]**](http://youtu.be/wrJvG68lpjo)  &gt;&gt;¦ Ссылка на регистрацию в проекте:  &gt; [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^&amp; ^Blogs  &gt;*^1 ^views ^since ^Sep ^2017*  [^bot ^info](/r/youtubefactsbot/wiki/index)
neobudget.com is a website that does exactly what you are describing. It is set up for electronically using the envelope system of budgeting.   Disclosure: neobudget was founded by a former coworker of mine.
"It's true. This statement on my about page is toooootally ambiguous:   ""Freckle Time Tracking, subscription web-based time tracker for freelancers &amp; small teams""  What is it? TRAINING MATERIALS? Whom for!? ZOMG NO INFORMATION DOES NOT COMPUTE ERROR ERROR *sizzle*."
I like the aggregation a lot, but it seems like the site's purpose is designed for lead gen for those tools? Why are there not reviews or profiles of those tools on that site and instead just push their traffic to those platform's websites to download?
Well, I am open to suggestions. Don't have the grades or the money to get into grad school. Looking for something more rigorous than online classes, I've been doing the traditional information interviews and reading but nothing seems to be landing. . . Thank you for your comment.
They learn something that isn't as easily automated.  People used to make a living putting shoes on horses, and building pay phones, and so on. Things change. If you have no applicable skills, you have to go get some. It happens.
Technical expertise does not translate to domain expertise.. I'm definitely not going to employ someone with specific skills in Excel, R, whatever; if they have no idea about the underlying algorithms and how to implement them in other languages.  I'll employ the dude who understands the algorithms (and can correctly explain with pseudo code or verbally) over someone who is regurgitating a lecture and can only provide textbook answers.
"Sounds like he might be a good resource. Even if school doesn't start soon, start learning. It's a competitive field because the people in it are driven, so you should be too. There's a ton of books out there, and the more you know the easier it will be to figure out the path you want to go down; or if it's even something you want to pursue. A few books on kindle are a hell of a lot cheaper than college is, and in my opinion college is a lot easier when you have a set goal instead of a ""maybe this could be for me"" attitude."
For real! /u/aolsux00 doesn't know what a primary source or peer-reviewed study is, but he has the gall to call other people uneducated in his other comments.   But just for fun, I went through those articles and read the studies they indirectly cite. [Spoiler alert: none of them fully support his claims](https://www.reddit.com/r/business/comments/6pujj4/economy_needs_workers_but_drug_tests_take_a_toll/dkt5pn2/)
"SQL is for coders - you want an analysis job.  You're probably having trouble because you don't have a lot of experience and they're looking for a ""straight path"" to those narrow job descriptions.  I would cold call some of those organizations you want to work at and don't simply rely on submitting an application.  Not sure how you're pursuing your job search, but if you're just applying and crossing your fingers, you're doing it wrong.  Get a premium membership to LinkedIn to begin with, then call and talk to anyone who will listen - make sure you have a solid story to to tell them and a way to highlight your skills."
Not all education is considered equal.  Can you tell us just a little bit about what kind of degree you are going for and where?  The reason I ask is that there are many schools out there which are more interested in making a profit, and less interested in providing an education. -Ralph Winters
Go buy adsense. you don't understand what you are doing.   Where is the video where it is eating broomsticks and ipods? Where is the picture of you dangling a cute kitten over it?  or showing how you can use it to make cole slaw?   YOu need to *make content* to promote a product on a social network - linking to your sales page is like giving someone a box of nose hair  for a present. It will get downvoted into nothingness before anyone with a wallet in Australia will see it.    Again - this isn't a bulletin board at Starbucks. Go think harder.
Other than offering support for indexing minimum wage levels, the article didn't call for more regulation to fix the labor market.  The author claims that the experiences of the last recession have resulted in psychological barriers in the minds of both employers and workers.  It is an interesting claim, and so is the article.
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Honest question, I've been seeing a lot of trump-tillerson and trump-PR embarrassment posts here, especially in the last week.    Are these economics-focused posts? I enjoy trump debates as much as the next redditor but this seems out of place to me.
"First off you are either lying or are seriously disillusioned about the recruiting process because it is very common knowledge that trading puts significantly less emphasis on GPA that IBanking. .  Secondly, why are you making the assumption that there was nothing exemplary on their resume? Having a low GPA doesn't automatically imply that the person's resume is trash.   And again, if ""no one"" got past the initial round of interviews because of a 3.2 GPA I know quite a few firms who would be out some very good traders."
er en test,"" sa han. ""Du kommer ikke til å få god informasjon. Den som ringer er virkelig teste for å se om de kommer til å betale noen oppmerksomhet til dette. ... Det er ikke før i andre eller tredje anrop at du virkelig kommer til å få noe informasjon. "" Organisasjoner som har anti-svindel opplæringsprogrammer på plass generelt opplever lavere tap og mindre langvarige svindel, ifølge ACFE. Foreningen anbefaler at ansatte, ledelse og ledere både trenes til å gjenkjenne falske handlinger og utdannet på hvordan å rapportere tvilsom aktivitet. [The Koyal Group Private Training Services](http://koyaltraininggroup.org/) design sin online og opplæring på stedet til dine spesielle behov, gi informasjon kan du søke mens du er i trening for å styrke effektiviteten av denne informasjonen. Våre kurs kvalifiserer statlige standarder både for bedrageri og videreutdanning-utdanning oppgradering. Våre programmer er tilpasningsdyktig og kan presenteres i ulike formater for å møte industriens krav og standarder. Vennligst besøk og sjekk våre kurs oppføringer."