vania-janet/multiturn-rag-retrieval-data huggingface dataset:
In the US and in the developed world as a whole, the elderly population is growing, and since people consume more medicine as they grow older, this could lead to higher profits for companies involved in the production of pharmaceuticals (which includes biotech companies, of course) in the long run. In the US, the passage of the Patient Protection and Affordable Care Act expanded insurance coverage, which gives more people the means to afford pharmaceuticals. Also, in general, people consume more healthcare services when they have insurance (this is called moral hazard), so some analysts expect that the expansion of insurance coverage will only lead to more profits for the pharmaceutical industry and biotechnology firms in general. The global food crisis. As the climate changes, companies like Monsanto, which use various forms of genetic engineering to produce crop strains that can survive in increasingly hostile environments, look more and more appealing to places that need crops designed to grow in such environments. Any methods that could increase yields look increasingly popular, and biotechnology companies often market such methods. (As a side note, I know Monsanto is a contentious example, and there are a lot of misconceptions about ""genetically modified food"" and the genetic engineering methods they do, so I won't get into a debate about that). In general, technology is a popular subject right now. I've read analyst reports (from analysts that clearly don't follow the biotech sector) that base their forecasts for the biotech sector on the activities of companies like Dell, Zynga, HP, LinkedIn, Facebook, etc. Clearly, it's problematic when an analyst sees the word ""technology"" and automatically assumes that the biotech sector is responsive to the same factors as social media firms, hardware manufacturers, etc. This isn't to say that the biotech sector is completely isolated from this, but when I read a report that talks about Facebook's IPO being bad news for companies like Gilead Sciences without mentioning upcoming FDA decisions about Gilead's products or any biotech-specific factors, I'm not convinced the analyst has performed due diligence. I keep using the phrase ""some analysts"" because I want to stress that the opinions stated above aren't universal. Although they're popular, not everyone is so optimistic.
"Sure, but it doesn't revolve around facebook or reddit, it doesn't revolve around twitter or snapchat or instagram stories..... the truth is all of these ""techies"" generally don't actually know a thing themselves about coding or computers, they just know how to touch screens and get results from algorithms the rich created.   That skill of doing basically nothing replaced a ton of real human capital that got things done."
Why would you bet it’s Sun Capital Partners? OP said it’s a firm that specializes in buying software companies. Sun is a generalist investor. Tech-specific funds include, but are not limited to: Vista, Thoma Bravo, Insight Venture Partners, JMI Equity, etc.
"The dot.com companies were purveyors of the Internet, then a ""new"" technology around 2000. Everyone ""knows"" that such a new technology will change the economy and society. What people didn't know at the time was WHICH companies would be the leaders/beneficiaries of such change. So investors pushed up the stock prices of ALMOST ALL companies in the ""space."" Any ONE (or two or three) companies can benefit from such a new technology. But not ALL of them can: It's something called the ""fallacy of composition."" That is, there can be one or two Googles (or Microsoft of a previous era), but not 100 of them. Most of the other 98 will go bust. Those were victims of the bubble that affected all, including the successful ones. It's a bit like the California gold rush. Maybe one of 10 miners got ""rich"" (or at least moderately wealthy). The other 90% died heartbroken, trying."
"Fair question, I'm being a bit broad there, and innovation in many ways. I am not sure what the original context is here.  In my experience, when people say ""technology race"" they are typically referring to to the business context, i.e. computer manufacturers and their competing product portfolios, like Apple vs Samsung vs Google, or Uber vs Lyft. If it's a thing other than that, I've never heard of it"
You are correct. It's more of an Oligopoly. And as someone laid out above even that could be called into question. It's nothing like Microsoft of the nineties and we can be thankful for that. I still wouldn't trust that company to this day, even with new management.
There is a limit a company can live up to when it relies on innovation as a competitive advantage in tech and consumer electronics. Apple has reached that limit and it's looking desparate.   It's high time Apple diversified into different businesses while their brand is hot and positioned themselves appropriately. What more can you innovate on smartphone, tablet or laptop that your competitor cannot do?
There is some truth to this. But the reverse could be seen as Apple. Where they did this, and it blew up until they gave it back to Jobs.  Similarly, Bezos seems to be doing a good job as CEO. Gates and Ellison also were pretty successful!  I agree though that when companies start to get major investors/go public, there should be some planning/thought to see if the Founder/CEO is actually a CEO type
"The key term you're looking for is ""purchasing power parity"", which considers the local prices of goods and services when making comparisons between countries. For example, you can look up the GDP by PPP per capita to get a sense of much people on average incomes can buy in each country. Of course, average incomes may not be too relevant to your own specific circumstances, but nonetheless you can look at the PPP data itself to figure out how to translate specific numbers between two currencies. However, note that the ""basket"" of goods used to calculate this measure itself has a significant impact on the results. Comparing prices of food and electronic equipment respectively will often give very different answers."
There is no doubt that a good, quality early education is one of the base for becoming successful person in future. And Jumbobookmarks.net will provide all the articles related to education and college. If you are a writer then you can bookmark your latest findings for free and use it later.
I think a lot of people in this thread seem to be conflating worker/workplace rights with union membership. If your employers are chaining the fire exits shut they'd arrested. While once it was requisite to have a union to protect against employers violating basic worker safety requirements I think that is no longer the purpose of unionizing.   I think my primary counterargument is why should a union be a requirement of a living wage and healthcare? If I work for a small business where unionizing would be MUCH more difficult should I not also have those things?  Most of the worker protections people are discussing either have been, or should be, codified into law NOT provided by unions.
These executives are usually well aware because they've seen the surveys and other data. They say this bullshit to calm the herd internally until an actual plan is put in place.    It's more for the employees than the consumers. A mass exodus of staff would cripple them before than they can adapt.
Employee badges are designed to track your location. If you don't want your activities within a company to be tracked, you wouldn't be able to work for many companies. I don't understand why you think you deserve the same privacy at work that you get at home.  My transit card has a microchip. Do you seriously think it does anything other than perform transit transactions?
Waiters are only 1 type of employee in a restaurant. If you work full time ANYWHERE doing ANYTHING you should afford rent and bills with a tiny bit left over. If not, you are by definition a slave. When all of your labor is spent on your mere existence, that is slavery.
Who do you think invented minimum wage? Unions did. Regulated working hours? A bunch of other things you take for granted? Minimum wage workers have to put up with a lot of bad things, including people looking down on them because they make little money(but not because they are poor, that would be classist and politically incorrect), mostly from people they work for including customers.
The point of short-selling as a separate instrument is that you can you do it when you can't sell the underlying asset... usually because you don't actually own any of it and in fact believe that it will go down. Shorting allows you to profit from a falling price. Another (non-speculative) possibility is that you don't have the underlying asset right now (and thus can't sell it) but will get it at a certain point in the future, e.g. because it's bonds that you've used to guarantee a loan... or grain that's still growing on your fields.
There is already a surplus.  That's why those surpluses can be sold.  That said, farmers will only allow prices to get so low before they stop production on the one crop they can get paid to not grow and live off of their subsidies.
Citizens Advice can tell you whether it would be possible / worth taking it to Small Claims Court or not, and how to phrase your claim if so.  If you do go to Small Claims Court, you don't need legal representation. I would think of Citizens Advice as a kind of triage as to whether you need to seek legal advice or not.
The best advice I can give to anyone who doesn't know a subject is to just start reading. At first you won't understand fuckall, but after a few months things will start to snap together in your head. I know it's hard considering most of us have this idea that to learn a subject we need to start at some sort of beginning but in reality there's no beginning or end of any subject. So just dive in and keep reading until it makes sense.
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There are few things going on here: My advice would be: with 75k income and a regular pay check there isn't a whole let you can do to adjust your tax burden. It's unlikely that any adviser will save enough money to warrant professional advice and the associated cost. Use off the shelf software for tax return and tax planning.
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"Read ""How to win friends and influence people"" by Dale Carnegie. Don't be fooled by the overly self-helpie title. It's a great book.   Then consider reading ""The speed of trust"" by Steven M R Covey.   I'm sure you'll settle in just fine. Good luck!"
The informational goal about the ratings is an objective opinion about the companies ability to repay the money owed.  Debt rating agencies even provide tables where grades correspond to a range of default probabilities.  The argument I am making is they do not go about their business of giving accurate probabilities of default.
Fun Fact: Illinois is poised to have their credit rating downgraded to junk status. If they fall and NJ continues to decline we could see 5 states with this credit rating withing 5 years. (NJ and CONN are close) with several others slipping as well.
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Source:- Registering for VAT You must register for VAT with HM Revenue and Customs (HMRC) if your business’ VAT taxable turnover is more than £82,000. You can register voluntarily if it’s below this, unless everything you sell is exempt.
Irrespective of the number of years the company has been in existence or the quality of services provided by them, it is important that, the home cleaning service provider should hold a valid license, for undertaking the jobs. Ensure that, the registration papers of the company are in place.
If you do so, then you simply register from the start, and then you don't need to worry about it. You do need to remit those taxes collected, though. If you don't remit, you won't be able to collect tax rebates for your input HST/GST. You decide to become a GST/HST registrant when you start your business. You expect to exceed the $30,000 threshold at some time in the near future. You also want to receive any GST/HST paid back from the government on all expenditures especially those high startup costs. And, as Grant Thornton recommends: In most cases, it’s generally a good idea to register for GST/HST as soon as your business is established. Provided that your business makes (or will make) taxable or zero-rated supplies, early registration ensures that GST/HST paid on costs incurred is recoverable since tax paid prior to registration is generally not recoverable except on the purchase of inventory, capital property and prepaid services still on hand at the time of registration. Be sure to register early because, in many situations, registering late can result in the loss of recoverable GST paid before registration.
Here's my take on it (and quite a few people might disagree) - student loans aren't bankruptable, so they'll stay with you forever. So if you want to reduce your risk over time and have a funded emergency fund and some cash put aside for, say, a car or another major expense, then I'd try to throw money at the student loan to get rid of it quickly.
&gt; Advertising on the internet is dead, that means social media as a for-profit industry is dead.  This is the single most clueless statement I've read this week. Good job!  You are aware that online advertising spending recently overtook tv, right? It had a lot of people in the ad world screaming that tv advertising is dead and online is the only possible future.
Dear God I hope you are a troll. A family friend's nephew was killed in that incident. If you want to be taken seriously please don't joke about it/change your perspective. Drive over to newtown and ask some people around there if you're still on the fence.
"As somebody who just went through making these arrangements, I got the title right away.   I understand is a business, but when you got fees for ""bringing flowers to the grave"" then you know you're in for a scam. Best part is when you tell them, ""well, look, I want the most economical cremation box.""   Yes, we have one that's only 100 dollars, but you're not able to put any engraving on it.   And how much is the one where you can put an engraving on...  oh, those start at 200 dollars, but on those, we can just put the name; people love to put a dedication, and those urns start at 250, and they go up depending on the dedication...blah blah blah....  I mean, wtf; i think we paid 50 bucks to have  a tropy engraved, and you're going to tell me an urn is minimum 200 dollars, and price increases the more text you engrave?   Anyway...yea, is really a fucking pain in the ass to go to these places. Is like buying a car, but man, fucking worse cause you're all stressed out dealing with death and all the family drama. I just wanted to go in, go out. Nope, spent at least 1 an hour trying to get upsells.  And then these assholes tell you, we are very understanding and compassionate, we will help you in makign the right decision. More like, we will try to steer you to make the most expensive arrangement. Bunch of fucking assholes."
"And at this point the term becomes relative, rather than absolute.  You are only able to ""claim"" territory you are able to defend, for there is no large, objective body that guarantees your ownership of this territory.  If you are unable to defend your territory, you lose it. You will either be killed or driven out, and now YOU are the ""trespasser"" should you return.  You envision a dystopia. Good luck."
"&gt; meant for adults with families  &gt;meant  It's a job. It doesn't have some greater purpose in life.   It is ""meant"" for anyone who can perform the task.  If the economy is such that a person with children occupies that position, then we should not simply say ""well tough luck buddy, go starve and fuck yourself.""   We should say ""Positions should be able to pay people enough such that law abiding citizens can afford to live on them. All positions""   We should strive to make people happier."
You're creating more liabilities for yourself in the future, although yes this could definitely be a profitable move for you. However, some small mistakes you made, from what I can see using the tools at Hargreaves Lansdown. The first, is that the government relief would only be 20%, not 60%. The second is that the tax relief goes directly into the SIPP, it's not something you get given back to you in cash. In order for this to be worthwhile, you need to be sure that you can make a post-tax gain of more than 3.4% on this money per year - which should be very feasible. It sounds like you have enough security that you could afford to take this risk.
Yes.  It is.  It, like all business, takes a bit of luck, but honesty can be an asset.  I knew a used car salesman who was absolutely honest and had a great eye for product.  He bought cars at auctions out of state, and many of them were sold or reserved before they even arrived  at his lot.
If you're willing to entertain the fact that a lack of any action by the fed would have killed market confidence and caused equities to tank, gold could have been a suitable asset in a flight to quality.  Of course as others have said the drop would just be the uncertainty about QE3 being removed from the price
In all honesty, the best solution I've come across is Microsoft's now defunct Money.
It is true that it may be somewhat of a loss. I would not lose any money with the other options as I have already made my money back but I would be at a loss as far as time investment goes. I agree number 1 is most logical but emotionally my heart is just not in it anymore that is why I put 2 and 3 in there too.
Yes, more leverage increases the variance of your individual portfolio (variance of your personal net worth). The simple way to think about it is that if you only own only 50% of your risky assets, then you can own twice as many risky assets. That means they will move around twice as much (in absolute terms). Expected returns and risk (if risk is variance) both go up. If you lend rather than borrow, then you might have only half your net worth in risky assets, and then your expected returns and variation in returns will go down. Note, the practice of using leverage differs from portfolio theory in a couple important ways.
"The truth is anyone can sue anyone for anything.  So yes you could be sued, but the more important part to measure is the probability of success.   While this is probably more of a legal stack exchange question, in order for a successful suit there has to be proven at least some negligence on your part in the situation you cite.  The very fact that the landlord is not willing to turn on the heat is probably enough to absolve you from any liability.  Once you go down to a local store and purchase a UL certified heater then a suit would have a very low probability of success.   Perhaps a case could be made if you made your own heater and it burned down the house.  But that would require finding a jury that is sympathetic to landlords that will not provide heat for their tenants (highly unlikely). Could the landlord sue the heater company?  Yes and would likely receive an out of court settlement.   Even in the case that liability can be proven on your part, it is very unlikely you would be targeted.  These type of suits target ""deep pockets"" or those with wealth.  Unless something is specifically known about you having a high level of net worth a civil suit will not be brought against a ""room renter"" because of the lack of funds.  People in your demographic tend not to have a lot of money.  (No offense intended, I was there myself once.)  In the case that you do have a high net worth, then get renters insurance and possibly an umbrella policy.  It is a small price to pay to protect a significant amount of assets.   If I was in your shoes here is what I would do:"
What do you think happens when cash gets paid out to investors?  People don't just collect the cash and stuff it in their mattress. They reinvest it, sometimes in other giant corporations, sometimes in start-ups, sometimes in government bonds. Some of it goes to fund R&amp;D elsewhere, some of it goes to fund building bridges and roads, some of it goes toward buying houses.   Ultimately, how much goes to each piece of the pie depends on the attractiveness of each opportunity. If there are a lot of good R&amp;D projects that would generate good returns, people will invest in them.
"Americans don't actually believe that there are no categories where other countries surpass them.  They believe that the unique mix of characteristics the country does have is the best mix available.  People who say ""The United States is the best country in the world"" aren't saying that every aspect of American life is better than every aspect of life in any other country in the world.  They're saying that they're willing to trade bad high schools for the best universities, that they would rather have a world-dominating GDP and a decent per capita than a world-dominating GDP per capita alone, that they would rather have New York City than Hong Kong.  They're pointing out that the infant mortality rate between first world countries is essentially equal, and that the rankings hide the fact that the differences are negligible.  They're not saying our health care system is better, that our public transportation is better, or even that our airlines are the most efficient.  They're saying that in the weighted matrix of categories, no country gets a better score *despite* getting high scores in many areas.  They're simply pointing out that their weight factors are different from yours.  The anti-Americanism that is most honest is that of people like the rulers of North Korea who say, honestly, they don't like America because it is so large and successful, and that they hate it when this success is used to further human rights.  But the more insipid and dishonest version doesn't recognize this, and attempts to hold up a straw man that Americans who say ""This is the greatest country on earth"" are stupid, toothless anti-intellectuals who honestly believe that there isn't a single statistic in which America doesn't top the world.  These Americans are imaginary.  They don't exist except in the imaginations of jealous masochists or as tiny fringe minorities in counties far removed from economic centers.  America is the great experiment of the Enlightenment.  It was the first country to be ruled by liberal democracy.  And it isn't threatened when others join in the wealth generation that the philosophy yields.  Indeed, they celebrate it.  They even go too far in trying to spread it."