vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Hello Ms./Mr. ,   My name is someguy82 and I'm a fellow alumnus of xxxxxx University - class of 20xx. I hope you don't mind, but I got your email address through the alumni network at xxxxxx University. I am interested in hearing about how you have progressed in your professional life since xxxxxx University/current role/etc.  I would love to know more about your current work in financial services/investments/etc. I am sure that you must have a very busy schedule, so I can assure you I won't take up more of your time than you are willing or able to give.   If you're free I can meet you for coffee/lunch near your work/building.    I hope to hear from you soon!  Kind Regards, someguy82
"There's no easy solution to this. Unfortunately I think you need a different approach, as you say, using software to track expenses to visualise the percentages and such hasn't helped and in my own experience this sort of money management does not work with all people. Maybe you need to look at the expenses and decide what you can cut out. Somehow we all need to make a distinction between what we need (milk, bread) and what we don't need (magazines, dvds) but still purchase every now and then. Sadly buying things for the second category quickly builds up a bill just as big as the one for the weekly shop only that it contains nothing of actual value and it just seems too easy for some to spend and equal amount of money on ""wants"" as on ""needs"" and if a substantial amount of your outgoings are in this category that's where you need to focus the discussion. If you can't find any purchases like that I suspect you need to buy less expensive food."
This advice is easily ignored because it's one of the more difficult to do, especially if you describe yourself as an introvert: Alumni.  If you went to a well known University - you should have a massive alumni network at your fingertips.  You need to replicate those informational interviews with dozens and dozens of alumni. One at a time of course, but reach out to them, honestly.  Call or email if you're too uncomfortable calling.  You won't get a response to every email you send or call you make, but I promise it's THE best way to get where you want to go. Especiall if you've already exhausted your own family and friends network.  Rough example email below:
Exchanging their labour for low wages gives them the work experience they need for future, better-paid employment. Wew now that we know that, lets give a bring round of applause for all the dedicated low wage workers out there! Keep it up low wage workers, your low wage service is so importantly needed by employers. Surely your sacrifice for the economy will one day be rewarded.
This thread has been linked to from elsewhere on reddit.    - [/r/badeconomics] [What if we replaced the words Basic Income with PUBLIC DIVIDEND? • /r/economy](http://np.reddit.com/r/badeconomics/comments/2dlo9n/what_if_we_replaced_the_words_basic_income_with/)   *^If ^you ^follow ^any ^of ^the ^above ^links, ^respect ^the ^rules ^of ^reddit ^and ^don't ^vote ^or ^comment. ^Questions? ^Abuse? [^Message ^me ^here.](http://www.reddit.com/message/compose?to=%2Fr%2Fmeta_bot_mailbag)*
(http://www.youtube.com/watch?v=MPH4jl5kGp4) (2) [How Much Money I Made As A Panhandler - Confessions #4](http://www.youtube.com/watch?v=uLc7VCznliU)|[+1](https://www.reddit.com/r/economy/comments/6v5nrj/_/dlyyfc9?context=10#dlyyfc9) - When you only other choice is OR DIE, it's pretty much slavery. Getting to choose your master, oh I'm sorry, ""career path"" is just mincing words. What do you think would happen if there were no other humans around? You'd have to work or die. You ... I'm a bot working hard to help Redditors find related videos to watch. I'll keep this updated as long as I can. *** [Play All](http://subtletv.com/_r6v5nrj?feature=playlist&amp;ftrlnk=1) | [Info](https://np.reddit.com/r/SubtleTV/wiki/mentioned_videos) | Get me on [Chrome](https://chrome.google.com/webstore/detail/mentioned-videos-for-redd/fiimkmdalmgffhibfdjnhljpnigcmohf) / [Firefox](https://addons.mozilla.org/en-US/firefox/addon/mentioned-videos-for-reddit)"
I found this page at CNN Money, that lists 5 viable alternatives to Paypal, namely: I would suggest looking for unbiased sources like CNN rather than searching for alternatives and happening upon the merchant's sites themselves. Hope this helps!
It's good to see I'm not alone in this. I'm not a lazy person, I'm willing to bust my ass to earn a living but no employer seems to want to pay a fair wage. I was working a 9-5 unloading trucks in a warehouse which was practically constant work with a 15 minute break for 8.95 an hour. Switched to a 10pm-6am job unloading for Kohls for 9.50, supervisor couldn't understand why she was losing workers so fast. Decided Id rather be broke then put my body through that and not even make rent
If commuting is a big budget item, then can you: A side job is one way to make extra money, but I'd suggest a home business.  If your wife substitute teaches, I bet she writes fairly well, and in any case you can.  Write a personal finance blog or just a site with articles.  Focus on surviving and thriving with child(ren) in a one-income Christian household in the suburbs of Philadelphia.  Or if you have a hobby that stokes your furnace, write about that.  Heck, do both.  The content just stays there and gets traffic day after day that you can monetize. My main suggestion would be to start this now because it's not overnight money.  But in the long run it can turn into a nice, fairly passive income. The big advantage of this is that mommy gets to stay home with the kids and build up a decent business.  The cost is $10/year for the domain (per domain) and maybe $10/month for hosting. Or, if some other legitimate work-at-home business presents itself, go with that.  I suggest blogging because it's what I know, but everyone's an expert in something unique.
There are alreayd solutions. Shorter working hours, increased leisure time. Sure people will have less money, but some have postulated that doing so will decrease the cost of living as a correlation, so things should be that much cheaper as well, plus the reduced costs associated with unemployment, and increased need for service industries to work with all the additional leisure time,.
Or how about we stop allowing employers to pay starvation wages through government intervention? How about we spend more money at picking up people left behind so their decisions don't forever shape their lives. We can do that. The money spent would pay dividends in our society.
Probably more like ELI10.  Bob gets 10$ a week in lunch money from his parents.  Jim's dad works as a travelling salesman and makes a fixed salary plus a weekly commission, jim gets 5$ in allowance + whatever extra his dad makes, some weeks 20$ some 5$ some 7.  So Jim wants to make his allowance a bit more constant and bob wants a piece of the commission.  Mathematically: Bob's allowance = 10$/week  Jim's allowance = 5$ + C / week  C is unknown.   So they make a deal. Jim will receive 5$ from Bob every week. In return Jim will pay bob the  extra allowance every week.  The new deal is  Bob = 5$ + C  Jim = 10$   How they get to this arrangement is every week they sit at the lunch table. Bob takes out 5$, jim takes out his extra commission. They net the amount and pay whomever profits.
&gt;No, YOU made it about me.  Ha one small hypothetical example about both of us is hardly that at all.   &gt; Then put your money where your mouth is and get out there and create some jobs.  Remember my comment was in response to this random attack comment of yours that had nothing to do with the discussion.   But whatever, go keep picking fights online and then shifting the discussion the moment your argument starts falling apart.
I thought the same thing when I was in high school.  But I worked several jobs ranging from $7.25 to $12 an hour.  It's about not being complacent and going out there to look for other, Better paying opportunities. And at the end of the day, if your labor can only command a shit wage then go get some skills.  Go EARN a higher wage.
Saltgrass used to charge per shift for an apron cleaning fee-- their aprons and their cleaning.  One day I a couple years later I got a class action settlement check in the mail for a couple hundred bucks.  Even if this is a legal practice I think it would be one that invited class action litigation.
If your argument is we should eliminate low wage jobs and replace it with some form of UBI, I'd be curious to see studies on that. Personally my interest is in making sure people have enough money to survive using the most efficient programs possible. EITC and  non-wage subsidies do a pretty good job, so I'm generally in favor of them.
You are paid hourly? I would have expected most IT people to be on salary Depends what your boss is like, he might be easy going and just give a raise if you ask for it. Failing that, do some self improvements, learn something new, take a course, maybe take some PHP certifications or even java certifications? Then at least you can say you're trying to move up In regards to pay, have a look on monster or some US job sites, at jobs similar to what you do and with the similar requirements, that should give you an idea of what you should be on. If all else fails, find a new job, that is always a good way of  moving up Hope this helps
This article addresses a man who specifically lost his skilled work to outsourcing to India. No one is talking about dishwashing level work here, that's more relevant to ILLEGAL immigration, and the practice of hiring illegal labor off the books by businesses.  Jobs that people don't want should pay more. That' supply and demand, the free market.  Janitors makes $15-30/ hr, more than easier low wage jobs. Maids make $25-60/hr. Garbage men make $20-60/hr.  Illegal people do it for less because they don't have full rights as citizens, and thus have less leverage to negotiate pay. Their pervasiveness gives legal citizens less leverage to negotiate their pay. I think the honest solution to illegal immigration is to seek ways to make legal immigration and naturalization more reasonably accessible while also cracking down on illegal hiring practices.  I DONT think the solution is to reserve our less desirable work to a slave class of any sort. I'm not for unions, but the negotiating power and well being of the American labor force should be protected always.  If the pay reflects the labor, people will do the work. Blue collar Americans do all sorts of disgusting, difficult, and/or dangerous work as long as it is at a premium.  This article is more about the negotiating power of americans lost to corporations taking skilled work and outsourcing it ~~at minimum wage levels of employment~~ (article said $60k or more) to those desperate for a living wage and/or citizenship. How to address that, I don't know.   Edit:not min wage, $60k
[this seems relevant](http://hipcrime.blogspot.com/2012/06/what-might-have-been.html)  *...we cannot go on for much longer economizing on labor faster than we can find new uses for it. That road leads to a division of society into a minority of producers, professionals, supervisors, and financial speculators on one side, and a majority of drones and unemployables on the other.*
They already don't have anywhere to live and can't afford to eat and wear clothes, you want them to waste 8+ hours a day on top of that? Hell, why not pay them 3 dollars an hour? Even more jobs! Isn't that better? Better than 0, right?
"&gt;If you don't like it you can either vote for representatives that will remove these sorts of welfare payments  If you support this position you are a heartless social darwinist.  &gt; or you can supply the workers with better-paying jobs.  Jobs do not just ""happen"" they exist to fill consumer need. You could do some Keynesian government job expansion if you would like to temporarily and artificially create more jobs, but this is only a bandage and is not a desirable nor a permanent solution. In order to do that you have to have real growth in the economy and a government cannot do that on its own. It requires those who have capital to invest it in new ventures."
&gt; She's asking for society to pay her a reasonable wage for her labor.  and the market responded.  &gt;Why is that for folks like you, it's always fine if companies raise prices; but if employees want a higher wage, it's an outrage?  Wat? She is free to ask for any amount she wants, just as your phantom company can ask for any amount for a product. Ohhhh you left out the part where you want daddy government to FORCE others to use a wage floor.
I use http://moneydance.com/ it has Mac, Windows and Linux versions and works well for my needs.
&gt;However, you would have to pay income taxes on that wage and could end up with less money overall to spend on healthcare.   That's not truth tho. You can open IRA and 401k and now you have more money to put into them that won't get tax and it help you save for the retirement.
I'm not the one making some grand speech protecting rich people from paying their employees higher wages.  You need to calm down and accept the fact that wages can't support our economy, and defending that is defending actions that harm the economy.
&gt;If you take your blinders off, you'll realize that multi-generational households are a common phenomenon worldwide.   Yes, the world was very poor, things were supposed to change and people could live better lives, but now people live at home until 28 just to try and have a home of their own.  And we argue that this is preferable, for some stupid reason.  You did make a sound financial decision, in a warped, lopsided society that lets rich people get away with murder.  Romney pays 14% of his income to taxes?  pfft, this IS class warfare, and the lower and middle classes are losing.  &gt;The Italian side of my family did it back when they immigrated and it's becoming a trend yet again.  Yes, average people are having to do this again, because the income gap in the US is as high as it has been in 100 years.  It is not a natural phenomena, it is caused by changes in laws, taxes, etc.     http://www.theatlantic.com/business/archive/2012/06/who-killed-american-unions/258239/
"&gt; We are all surviving just fine with the laws that are in place right now.  Read a newspaper or a science magazine lately?  The reason the world needs heavy emissions taxes is that, if scientific consensus is accurate, things are getting warmer really fast.  And if things get much warmer, hundreds of millions will die - at least.    We need emissions taxes to prevent a horrible future, not because we aren't ""surviving"" today."
&gt;But those taxes are used to pay for labor, in most cases.  The real question is if that labor created something that anyone wanted  When ou buy eggs from someone who raises chickens, he will invest that money in his business and more people will get his eggs. The money is MULTIPLIED. He will spend the money you paid him, but at the same time he will have more chickens producing more eggs.  When you spend your money paying taxes, the guy who does the paperwork will not be creating anything the people wants. He's a parasite.
&gt;Why not talk about services? Why should I pay more for services. It's not like more income means I use the roads and bridges more. More income doesn't mean more kids that need public education. More income doesn't mean I use fire services more.  actually it does, your ability to make more kinda depends on the ability of others to provide their skill, or their ability to purchase more or if you own a business you need the fire service to protect your business operating during/after a crisis as well as your home.  this is kinda how the economy works.  &gt;If you ask me, I'd rather people just pay for the services they use. Have kids? Then you pay for their school. Drive 60 minutes to work, then you pay more than someone that drives 10 minutes.  except its much cheaper for everyone if it is all bound up together, and provided by the government.  seriously the arguments you are making are retarded like sitting in the back of the classroom eating glue retarded there is a reason that no country emphasis on NO COUNTRY does it the way you are saying, and that is because it was done this way a couple of hundred years ago and we moved on from that because it doesn't work as well.  I understand the anti big government argument, its just that it is taken to such an extreme now that its just stupid.
"&gt; Unless you mean tithes then we are talking about religion.  Okay, let's talk about taxes and religion.  You said ""It makes sense for EVERYONE to pay their fair and equal share"".  So then I take it you agree that churches need to start paying taxes, yes?"
"&gt;Taxes make money disappear from the economy.  But those taxes are used to pay for labor, in most cases.  The state workers that fix the roads are paid with tax money. As are all the supplies and equipment, for example.  I think I understand the debt bit - If I buy a house and default on it, that money is ""gone"", but the house remains to be sold by the bank later.  Only the interest is really missing, right?"
Why? Like someone else already said they are smart with their money and pay taxes like everyone. Why should they be punished for it? How about you don't file for auto insurance claim if you can afford the repair? Your argument is down right stupid.
This conversation started with my OP post, stating I felt paying taxes was a civic duty, and patriotic. Would you like to start there? (Also, I would be interested to hear an example of *your* Libertarian paradise, so I can better understand where you are coming from)
Ok, should I have been more specific in saying monetary assets?  Also, why would a 100% marginal tax be required?  Next, how do the wealthy become/stay wealthy?  They've mastered the rent seeking economy, they've mastered tax loopholes/evasions, etc...  Yes, I apologize my few comments are not outlining the entire structure of my point.  Nonetheless, I think we can agree that the current state of the economy is in the shitter (at least for the working/middle class); and will only continue to do so.  Unless we reform in several major areas, taxation on the 1% being one of them.
"Maybe, in that the government gets interest on the money it takes in, and has to pay interest on the money it spends or has agreed to spend (pensions, etc.). So depending on which interest rate is higher, the disadvantage shifts a little.  It's also not a question of ""deeming"" things, but a tax credit would be more like taking a cut in pay rather than spending more money. Thinking of it as ""spending tax money"" should only be a way of helping to show that it makes this disadvantage."
Substantive, but relatively minor, changes happen every year, including many that keep recurring like the special (pre-AGI) teacher supplies deduction (""will they or won't they?""), section 179 expensing (changes slightly almost every year), and formerly the IRA-direct-to-charity option (finally made permanent last year). As commented, the current Congress and President were elected on a platform with tax reform as an important element, and they are talking even more intensely than before about doing it, although whether they will actually do anything this year is still uncertain. However, if major reform is done it will almost certainly apply to future years only, and likely only start after a lag of some months to a year. They know it causes chaos for businesses and households alike to upend without advance warning the assumptions built in to current budgets and plans -- and IME as a political matter something that is enacted now and effective fairly soon but not now is just as good (but I think that part is offtopic)."
Property taxes are levied by the local authorities to pay for their services. Since the services are continuous - so are the charges. You need someone to pave a road to your house, to build infrastructure, to maintain the police force, fire department, local schools etc. That's what your property taxes are going to. However, at times the property taxes become more than what the owners have actually paid for the house. Think of a house bought in the midst of a recession at a bargain price of $20K, but at the top of the market bubble costs $2M. The poor guy who bought it for $20K should pay as if he had ever had $2M?   It can certainly be the case that the property taxes change drastically over the years and sometimes people have to give up their property because they cannot afford the taxes. That is exactly the thought that had led Californians to amend the Constitution in Prop 13.
Then keep being fat, but it's still your own damned fault.  Sometimes making a choice requirea crazy things like hard work and discomfort, who would have thought.  Sick of entitled pieces of shit with attitudes like this.
[Tax](http://news.bpholdingsmngt.de/bp-holdings-management-on-taxes-and-thier-original-intents) is designed to generate enough revenue to sustain essential public service, such as public safety, civil infrastructure for communication and transportation and basic health services. When you see a government hospital, you know your taxes support the upkeep of that institution. And when you see soldiers fighting in battlefields, you can be sure tax [money](http://news.bpholdingsmngt.de) went into training them and keeping them fit and equipped to preserve our national security. As essential as tax is to our national existence, many do not know the true value of what taxes can do other than what we have mentioned above. Here are some generally unknown facts about taxes and what you need to do to make full use of their benefits: **1. Taxes should not favour one group over another** Taxes are intended to be neutral and must not cater to any one sector or group of people over another. Neither should it impose or interfere with individual decision-making. What this signifies is that taxes, as they were originally conceived, had an altruistic purpose meant to benefit people equally without favoring any individual or any societal unit. It is a fund to provide services and public amenities for all people alike. So, whether you earn only so much or make millions, you walk or drive over the same road or bridge that taxes helped to build. We cannot discount the goodwill and welfare taxes have brought to both ancient and modern societies. Pay your taxes so you can enjoy them **2. Taxes must be predictable** In order for a government to function well, it must have some stability in terms of its fiscal health. Without the necessary funds to run a government, chaos would ensue. And so, taxes must flow into a state’s coffers at a regular schedule and at a reasonably predictable amount or the oil will run out at a time when the engine of progress badly needs it. Now, we understand why the state imposes and does not merely request that taxes be paid at a particular time of the year. Why April for many countries?
&gt; deregulate a huge number of areas which will effect hundreds of millions  of _poor_ people _who don't matter_  FTFY.  TISA is about using the disposable masses to stick a finger in the eye of Russia and China in international trade.  The still-birth of the labor movement in the developing world is just icing on the cake.
Under the assumption that rates are same, the interest paid monthly would generate greater P+I. However I doubt in practice if if the TFSA Savings rate would be higher than GIC. Typically more the lockin, more the interest.
"Visa card expired while on the other side of the world.  Visa from other bank declined for suspected fraud.  ""You should have told us you were going to a country that has lots of fraud.""  Nearest ATM, twelve kilometers."