vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Vehicles (plural, because I'd be filling multiple roles, and also because I'd really prefer to have spare parts). Self-sufficient farm with machine shop, heavy-duty fabric production/sewing capacity. Hunting/camping gear. That kind of thing.  I have about $600 in student loan debt remaining, which should be gone in the next year. No car loan (own my truck outright), don't own a house, carry 0 balance on my credit card. I suspect I'm a bit older than you (28) and I'm finding increasingly that I'm feeling financially strained by both current needs and projected needs. Moreso future than current, as a matter of fact, though I am unemployed right now. No matter how I look at it, barring some exceptional luck, there's no good way to obtain what I feel is needed to ensure that I can retire in safety. The current system basically forces you to take on nigh-crippling debt and hope like hell you can remain employed almost constantly through the most productive years of your life so that you may retire with some degree of security.  75K would make me feel a lot closer, but it only really deals with the immediate concerns and gives me room to hope to rectify the future ones in the next decade. If it were a completely foolproof 75K with no chance of vanishing, it'd go a lot further -- but still wouldn't alleviate my worries entirely.
How to file a claim with us. You've been involved in an auto accident, or your home's roof was damaged by heavy winds, or one of your employees was injured ...Claims Pages print and online directories are the largest circulated reference sources for insurance claims adjusters.
Is this really an issue? There are already 3rd party places that will fix iPhones and such. It will void a warranty of course, but if it's under warranty, you'd want to likely go to the Apple stores anyway, no? And for other items, it is just not feasible to repair anyway.
"Pick up that straw. Your Apple/Amazon examples have nothing in common with the subject at hand.  If you can't tell the difference between ""licensed, underutilized professional equipment/drivers"" and bending/breaking:     1. Labor laws     2. Vehicle registration categories     3. Driver licensing rules     ...and engaging in auto insurance fraud, I've got nothing else to say."
If you don't know how to fix your own car or have time to take car parts off of a car at a junk yard, the average amount of money per month you spend on repairing an old car will be greater than the amount of money you spend per month on a new car payment. This is because car repair shops are charging $85 per hour for labor for car repairs. Many parts that wear out on a car are difficult to replace because of their location on the engine. The classic example is piston rings.
Not to pick your words apart, but I'm used to the word laddering as used with CDs or bonds, where one buys a new say, 7 year duration each year with old money coming due and, in effect, is always earning the longer term rate, while still having new funds available each year.  So. The article you link suggests that there's money to be saved by not taking a long term policy on all the insurance you buy. They split $250K 30 year / $1M 20 year. The money saved by going short on the bigger policy is (they say) $11K.  It's an interesting idea. Will you use the $11K saved to buy a new $1M 10 year policy in 20 years, or will you not need the insurance? There are situations where insurance needs drop, e.g. 20 years into my marriage, college fully funded as are retirement accounts. I am semi-retired and if I passed, there's enough money. There are also situations where the need runs longer. The concept in the article works for the former type of circumstance.
&lt;notahipster&gt;  We don't have a tv but we watch shows on Netflix.   /notahipster  That said, I loved the VW commercials that came out about ten years ago.   I have  vw turbo now and I love it. Coincidence?  If commercials didn't need to relate to the lowest common denominator, a lot more of them might be interesting.
"The linked article is good at explaining the current situation.    What it is not good at is explaining the basics of the situation.  It's roughly 3 paragraphs before we even learn the first part (""original use of the name 'Windhaven'""), and 10 paragraphs until we learn that there exists a ""Windhaven Insurance"" and they're being dicks.  Maybe that's not TL for printed word, or someone interested in the topic.  But it _is_ too long for something serving as a primer."
Just normal electricity and heat in the winter, we'll GENEROUSLY make that a $50 a month bill to average out for the entire year. $30 left. In one full year, you've saved up $360! You're rich! No, wait...that kid you have probably needs school supplies. They're growing, too, so they probably need clothes. For that matter, you also need new clothes. Even used clothes from Goodwill can be costly over a year. I really hope your car doesn't break down because that can set you back at LEAST $200 most times. Also, better hope you don't get sick, because you don't have insurance and a doctors visit or emergency room visit could EASILY break that budget. No preventative care, either, so your risk of getting sick is substantially hire to begin with than the insured. I also have not included ANY luxury utility bills, let alone any kind of phone at all or especially internet. Also, all of this assumes that you work full time, which at WalMart most employees do NOT because Walmart wants to avoid being forced to give benefits to employees. Do you REALLY want to continue to sit on your high horse and tell me that people can make it raising a family on minimum wage?
"We learned the hard way on this one.  First, our area was hit with what was called an ""inland hurricane"" where we forced to file a claim as our home received extensive damage.   Within the same year, we also incurred an electrical surge which took out our older big screen tv (one of those big monstrosities that sits on the floor).  We were granted full replacement with a more modern flat screen TV, TV stand, and DVD player.  It seemed like a no brainer. We quickly found it as our premium went up that it wasn't that sweet.  It wasn't a huge increase, but it definitely has us truly evaluate if it's really necessary filing a claim."
I'm expecting the opposite problem.  We're going on a long road trip around the west.  Reserved a Mitsubishi Mirage or similar.  I'm fully expecting them to come back with a Ford Explorer all thrilled to tell me they had to upgrade me because all their sub compacts are gone.  I do not want to take a truck on a 2000+ miles road trip.  The difference in MPG becomes very significant with those kinds of miles.  Counter point, we got married in a city with a very small airport.  Expected to get an upgrade because they never had the tiny low-end cars... except for that weekend.  Drove around a Kia Rio all wedding weekend.
I agree.  Those people should have saved up money before they bought that car to get to work, before they went to school to learn how to do that job.  And they definitely shouldn't have gotten hurt and went to the hospital.  These people living [beyond there means] are clearly spending money on things they shouldn't thought to buy.  /s
You need to see that prospectus.  I just met with some potential new clients today that wanted me to take a look at their investments.  Turns out they had two separate annuities.  One was a variable annuity with Allianz.  The other was with some company named Midland Insurance (can't remember the whole name). Turns out the Allianz VA has a 10 year surrender contract and the Midland has a 14 year contract.   14 years!!!   They are currently in year 7 and if they need any money (I'm hoping they at least have a 10% free withdrawal) they will pay 6% surrender on the Allianz and a 15% surrender on the other. Ironically enough, they guy who sold this to them is now in jail.   No joke.
Well damn.. my ass is getting roasted. What I meant was when I'm dropping money to get a fast sports car, I want a stick shift with a loud engine. I don't want a sports car with paddle shifters and an engine that sounds like my aunts electric car.
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Sure, just saying. It does exist.   Also I don't understand why people need to return stuff so much. Only thing I can see it being needed so much is people buying something solely to use it for a one time use then getting their money back. Or simply over shopping and not controlling their budget and need their money back after they realize they spent too much on shit they don't need.  I mean, if I need to buy something, I do some research, find the best product for the price and get the best offer the first time. Unless it's broken or defective I've never had to return anything. Then again I'm also not a compulsive shopper that blows my budget on shit I don't need.  I don't know. Doesn't seem like a make or break feature for me and won't sway which service I use either way.
"The thing is, there are people who may say they want the ""right"" to be free from having to pay for health care, but I guarantee you that if they, or say their kid, gets horribly injured and needs an ambulance or emergency room care, they'll expect to get those things whether or not they have enough money to pay for it."
What is happening is that young people looking for solid career paths see that the pay is continually falling.](https://www.reddit.com/r/lostgeneration/comments/78e2jl/outsourcing_airplane_repair_jobs_imperils/) on /r/lostgeneration with 1 karma (created at 2017-10-24 14:54:17 by /u/RedditGreenit) ---- ^^I ^^am ^^a ^^bot ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts) ^^Now ^^you ^^can ^^remove ^^the ^^comment ^^by ^^replying ^^delete!
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Today notebook is on more demand as compare to laptops and computers because of its lightweight and high battery backups. If your notebook battery is not working properly and planning to purchase a new one, you can opt from manufacturing company who provides the high quality battery both original and OEM at affordable rates.
&gt;Not bad. Do you do similar bullets for the future of the world economy?  Not nearly knowledgeable enough for this. : (  I'm pretty dense about the college-bubble too. My hope is to encourage discussion so that I can learn from someone who wants to back up/debunk the items mentioned.
Agreed across the board. We'll start seeing a rash of patents and patent enforcement cases on various spare parts that have been high-margin cash cows for various companies. We'll also see trademark infringement cases for things like replacing the hood ornament on your Jaguar or the logo emblem on the back of your car.   And I also agree that just like VCRs, digital downloads, etc - it won't work.
"I think they're going beyond using religion to sell light bulbs. I think they are trying to use light bulbs to sell religion. That's what's crazy about it.  ""Great light bulbs, don't you think? We have a savior too if you want that. Quality is comparable, comes with a lifetime warranty."""
At the current share price we (i.e. U.S. taxpayers)[ have lost $16 billion in the bailout.](http://www.detroitnews.com/article/20120605/POLITICS01/206050364/Romney-vows-quick-U-S-exit-from-GM?odyssey=tab%7Ctopnews%7Ctext%7CFRONTPAGE) I wonder how long the government plans to be in the auto business - and how we plan to eventually unload the shares without affecting the share price too much.    And yes, I realize I linked to an article about Romney, but there's some solid information a few paragraphs down.
"Right, but if you lived in the area, you have already made the decision that they are your ""go-to"" retailer or not.  The majority of people in their competitive market have decided Market Basket is not their preferred choice, but will this story make them reconsider?"
I haven't read the paper, but have read similar papers before, will likely read this paper here in a while. I can see the use for patents to a degree. Not the way they are now, but in some form or another I think they should still exist. I am not under the delusion of they help innovate. I see them more or less as bringing stability to the marketplace/business. The changes I would like to see made, is on certain patents, or probably all patents, that they expire at a certain time. Or if the patent is not put to use in a given time frame that it falls back into the public domain. Expired patents being fully searchable online, for free. I would also disallow any patenting of genes, or anything that nature has produced and or made. If some one makes a new element, or makes an absolutely new gene that has been seen, or found any where else, then sure patent it. But something that already exists? No. I agree that patents do stifle creativity, and ultimately do harm us as a developing nation. Especially in it's current iteration. The solution I briefly went over would give a happy medium. It would do much less harm than now, and offer better innovation down the road. The stability question with relation to business/marketplace is how certain products are made and produced. Some people put a lot of time and effort into developing something and they need a little protection in doing it. 7 years or so should be enough to recoup that back and then some. After that time they can still produce said product, but would have to compete against everyone else who uses a similar design. All in all I think every one can agree that the patent/copyright system needs serious overhaul, and not because it is too weak, but it is because it was designed, and implemented in a 20th century mindset, not a 21st. It worked somewhat well in the early 1900's but since then it has not. Things move at a faster rate now than they did then. As such in this day in age it is a lot stronger than it needs to be, and needs to be dialed back in a lot of areas.
***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6freqm/spectacular_drop_in_renewable_energy_costs_leads/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~138341 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*: **Renewable**^#1 **energy**^#2 **new**^#3 **capacity**^#4 **global**^#5"
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Here is a list of threads in other subreddits about the same content:   * [Why Dockless Bikes May Spell the End of Public Bike-Share](https://www.reddit.com/r/Economics/comments/789r5u/why_dockless_bikes_may_spell_the_end_of_public/) on /r/Economics with 7 karma (created at 2017-10-24 02:28:09 by /u/rwescott)  * [Why Dockless Bikes May Spell the End of the Old Bike-Share Model](https://www.reddit.com/r/EcoInternet/comments/779kkg/why_dockless_bikes_may_spell_the_end_of_the_old/) on /r/EcoInternet with 1 karma (created at 2017-10-19 04:51:07 by /u/EcoInternetNewsfeed)  ----   ^^I ^^am ^^a ^^bot  ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts)  ^^Now ^^you ^^can ^^remove ^^the ^^comment ^^by ^^replying ^^delete!
I am very interested to see what Market Basket's sales look like in another two months. Consumers tend to do their grocery shopping out of habit, and all a competitor (manufacturer or retailer)needs is one chance to show them a better option.  Market Basket has lost many customers for good, but will this story lead to even more new customers?
Yes, I'd rather spend a little more money to sustain something that doesn't work while we figure out how to replace it than cut the cord and literally put the lives at millions at risk? Do you not value human life?
"This is the sentiment of the industry.  The frequency of massive losses has been higher than indicated by the two most used models.  I don't know the exact stats cause I work in a different LOB in the reinsurance world but I believe we've had a few ""1 in 200 year"" losses in the past decade. And there are concerns about climate change, etc."
Do you think those people at Sears made a decent wage within the last few decades? I certainly don't.  If you want to talk about the changing envionment let's talk about Social security.  The system used to be 30 workers to 1 retiree now its under 3:1 and soon to be under 2:1.    There simply isnt enough production to keep up with growth, profit is shrinking in all but the most alchemical sectors.    Clinging to dead or dying systems is one of the biggest obstacles to our future success and re-emergence as a healthy society.    You say you are older, you have experience and wisdom.  So what is the solution?
"This is an interesting argument that I haven't quite seen yet. I'm still unsure as to where I stand on ""livable"" minimum wages, but you do have a point with the government maybe taking too much authority in some aspects."
"This is the best tl;dr I could make, [original](http://wvtf.org/post/first-time-history-solar-jobs-outnumber-coal-jobs-virginia#stream/0) reduced by 69%. (I'm a bot) ***** &gt; Virginia now has more jobs in the solar industry than the coal industry.  &gt; &amp;quot;Coal will produce more jobs I think in the long term. But we&amp;#039;ve had to cut back because everyone feels like it&amp;#039;s not worth it to use coal anymore. And I feel that there will be a time when we will have to turn back to coal to meet the demand.""  &gt; Alexander Winn at the Solar Foundation says he&amp;#039;s hopeful some of those jobs might move from coal to solar.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6hsj3r/for_first_time_in_history_solar_jobs_outnumber/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~146519 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*: **coal**^#1 **solar**^#2 **industry**^#3 **Virginia**^#4 **Energy**^#5"
That line of thinking worked so well for the tobacco industry. And for the plastics industry. And for the GM food industry. And for the climate change deniers.   Since you obviously didn't really read all the embedded links there is no point to continue. I really don't care. We can talk in a few more years.
"The mix how how you present this feels contradictory. You would pull a 'major' portion from the emergency fund (EF), but at the same time, you'll replace it in a month.  The first bit scares me, this is not the purpose of that fund, and the issue is the aspect of money that's psychological. Money is a habit, if you justify this use of the EF now, it gets progressively easier for this purchase or that, and the fund loses its intended purpose. If the second half is accurate, that your income would replace that money in a month, i'd say the fund wasn't fully funded to its proper level, 6-9 months of all expenses to get you though issues as bad as a job loss.  The great thing I see in your question is what's missing. You're not looking to buy a car with a loan. That puts you in a good situation, and should push those answering to cut you some slack on the one month ""bridge loan"" from your own savings.  Edit - OP add 2 key points, His EF is 3 years expenses (wow, kudos to him!), but he's living like a student (i.e. with parents, which keeps his costs low). If this latter observation seems judgmental, I'll re-edit. The finances of everyone would be far better off if we adopted multigenerational living. The young could save as Fahad is doing, and when parents retire, they can know they are cared for. In the US, I'd say ""when you move out, your expenses will go up drastically,"" but in this case, that may not happen, or not soon. This is my observation the world is a big place and our answers need to fit the OP's situation, not assume our own standards apply to all.  Buy the better car. You saved. You earned it."
I'm not incredibly savvy on the Indian market but I'm not sure if their electric grid is up to that from what I do know. Where as Diesel is insanely easy to transport...   Not sure if this is news or Politics speaking out of turn. Someone local would have to weigh in on that.
I have no problem with what ford is doing. I have a problem with the attitude in the comment  &gt; Those companies that are locked into doing so by huge numbers of _legacy employees_ and retirees to whom they still have legal obligations (the automakers, some airlines, etc.) need to figure out how to dump these liabilities ASAP. Chinese, Brazilian, European and other global competitors...  It seems to forget that skilled workers are what generate the profits. The company is not its own entity. The company doesn't use workers like disposable fuel where any warm body will do.
"Ever seen a very low price on near-rotten apples or tomatoes?   Think the world hates tomatoes or apples ""from Solar energy""?     Durrp!  If you can figure out *which* industry hates electricity ... I'd like to short their stock.   It would seem electricity is *not* tainted by its source.   Just stupid politicians.  The *only* cost that generates negative prices is the cost to the distribution system (the grid) that needs to drain its extra capacity.  There's no cost from the marketplace for electricity.  That's just stupid."
What were her/his career aspirations when he was your age? Who were his/her mentors/sponsors and how did they impact his success?  What industry changes does he/she anticipate in the next five years?  In what ways will technology alter the industry?
I agree of course that we SHOULD just test a product to see if it’s good or not. But as the article states, a lot of consumers discard it based off date alone. So if a company can make X amount of dollars more by saying their eggs expire a few days earlier, that can be abused, right? All I’m saying is there’s so much ambiguity on the dates on packaging, some more regulation would be helpful (like regulations on ingredients)