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100 | "Only relevant to those with fantasy economy teams. Seriously, Rand's fictional works never translate well into reality because, no matter how hard people try, that ""fiction"" element just can't be ignored. Test it yourself: Strip John Galt and his followers of everything they have which was created by or within the ... | |
100009 | "You don't ""deduct"" transaction fees, but they are included in your cost basis and proceeds, which will affect the amount of gain/loss you report. So in your example, the cost basis for each of the two lots is $15 (10$ share price plus $5 broker fee). Your proceeds for each lot are $27.50 (($30*2 - $5 )/2). Your ga... | |
100010 | "This is the best tl;dr I could make, [original](http://www.aljazeera.com/news/2017/10/israel-engages-water-apartheid-171013110734930.html) reduced by 91%. (I'm a bot) ***** > "In reality, Israel doesn't want us to live here any more We just want the Israelis to let us extract our own water."" >... | |
100021 | "The difference between an American and European option is that the American option can be exercised at any time, whereas the European option can be liquidated only on the settlement date. The American option is ""continuous time"" instrument, while the European option is a ""point in time"" instrument. Black Scholes ... | |
100039 | I Usually would not say this but if you can just put down 20% I would do that and get a 15 year mortgage. The rates are so low on 15 year mortgage that you should be able to make more than the 3% in the market per year and make some money. I wouldn't be surprised if for 1/2 of the term of your loan you will be able t... | |
100040 | Department store cards will appear on your credit report and is often much easier to get approved for. All my friends that have applied for a Macy's card have always been approved. If you are new to the country, department store cards are a great way to build history. Target and Nordstroms are two other department stor... | |
100042 | Well yeah, that's why they put the disclaimer on the article, so people could know and judge accordingly. That's evidence of good journalism, not bad. That conflict also doesn't negate Wapo's good track record, and the fact that that track record is one of its best selling points. I don't think Amazon would sacrifice ... | |
100045 | There are PABs (Private Activity Bonds) for the smaller market issues, but you basically need a local government to act as the conduit issuer. There are a whole host of other requirements but it is a way to potentially get tax-exempt rates or get access to the taxables market. | |
100051 | Their aggressive takeover tactics? However, to be honest I don't know what the others are like. I'm fortunate enough to have drinking water from the tap. Which I bottle myself. I'll sell you a bottle 20% cheaper then nestle if you'd like | |
100057 | You can easily build a Google Sheet spreadsheet to track what you want as Sheet has a 'googlefinance()' function to look-up the same prices and data you can enter and track in a Google Finance portfolio, except you can use it in ways you want. For example, you can track your purchase price at a fixed exchange rate, tra... | |
10006 | Firstly, good on you for thinking about it before you commit to it. Next. Chelonian provides lots of detail. Read that answer. Consider the cost of going. Use your local community college. Use a state school. Get a job as an intern or another entry level position, with an employer that will reimburse you for educa... | |
100087 | CreditKarma review I don't personally use HelloWallet, but I have also heard very good things about it. Independence from financial products is a HUGE thing in the field because so many investment advisers place the firm before the customer (c.f. Too Big To Fail), so having an independent resource is a huge benefit. | |
100089 | I have been looking into CMEs trading tool. I might just play around with futures on it. You make a good point on that though. I am reading Hull's book on options, futures and derivatives, and so far so good. Only thing I would want to test is options on futures, which is missing :( . | |
100091 | "> Sessions has literally said, ""I thought those KKK guys were fine until I found out they smoked pot."" He may well be a racist, but it's hard to imagine taking that comment seriously. *Barry Kowalski and Albert Glenn, attorneys at the Justice Department, testified that they heard Sessions make the KKK comment b... | |
100099 | "Winnings are taxed in the year you receive payment. Period. Constructive requires an unqualified right to receive immediate payment. One qualification is that lottery tickets must be verified. Large winners usually have to wait a day or two, which voids the ""immediate payment"" clause. Here's an extreme example:... | |
1001 | "Not necessarily. The abbreviation ""ESOP"" is ambiguous. There are at least 8 variations I know of: You'll find references on Google to each of those, some more than others. For fun you can even substitute the word ""Executive"" for ""Employee"" and I'm sure you'll find more. Really. So you may be mistaken about t... | |
100103 | Firstly, going short on a stock and worrying if the price suddenly gaps up a lot due to good news is the same as being long on a stock and worrying that the price will suddenly collapse due to bad news. Secondly, an out of the money call option would be cheaper than an in the money call option, in fact the further out ... | |
100104 | This seems like kind of an odd analysis. The exact same comment can be made every year at this time in regards to iPhones (people are waiting for the next version to come out). Yet every year Apple sells a ton of these things. Don't expect anything different this time around. As to Qualcomm (also cited in the article)... | |
10011 | "If you force people to pay into the system more, then you can spend more and still claim the deficit is decreasing. If you increase government spending without increasing government revenue, then the deficit increases. If you increase government spending while also increasing government revenue, then the deficit d... | |
100121 | I would like to add to the answer provided by Dheer. I think under some ULIPs you need not pay premium after 3 years and you can take the money back after 5 years (something like that, read your policy statement of course). Since the money is invested in Stock markets and since generally people say the longer money sta... | |
100124 | What does not seem reasonable about your plan is the payment and buyout. While $200/month payments are possible (but hard to find), buyouts are more typically in the five figure range. Given that your savings and desired payment for a car is low (the average car payment today is about 450/month), can you really afford... | |
100128 | Here's an excerpt from the Charles Schwab website which I think will help evaluate your position: The simple answer to your question is no, the value of a gift of stock for gift tax liability is NOT the donor's cost basis, but rather the fair market value of the stock at the time the gift is given. So let's say y... | |
100132 | They had the loans insured. The only way they could lose is if US gov't didn't bail out AIG. The customers may have a high risk of default, but there was little risk of the banks losing their money. Besides, like AnythingApplied says, those are the kinds of people they can charge all sorts of fees to, they're a fuck... | |
100136 | "From what I've read, paying down your mortgage -- above and beyond what you'd normally pay -- is indeed an investment but a very poor form of investment. In other words, you could take that extra money you'd apply towards your mortgage and put it in something that has a much higher rate of return than a house. As an e... | |
10017 | You should not look at volume in isolation but look at it together with other indicators and/or the release of news (good or bad). When there is lower than average volume this could be an indication that the stock is in a bit of a holding pattern, possibly waiting for some company or economic news to come out (especial... | |
100188 | They could have different quotes as there are more than a few pieces here. Are you talking a Real Time Level II quote or just a delayed quote? Delayed quotes could vary as different companies would be using different time points in their data. You aren't specifying exactly what kind of quote from which system are yo... | |
100199 | Working from home is a mixed blessing. It's nice to avoid the morning/afternoon rush hour. It can be nice and comfortable at home and you can work in the nude ... All that said though you need to make an effort to get out or you will go fucking crazy. You need to make more of an effort to maintain a normal routine as ... | |
100205 | The relevant Canada Revenue Agency web site is Tax payable on excess TFSA amount Withdrawing in the same year does not generate additional room. Details from CRA suggest it is best to avoid withdrawing if you expect you would replenish in the same year. Likewise, you can transfer among your various accounts without pe... | |
100233 | Even if it's not used for energy, coal is still essential for making plastics, drugs, air and water filters, soap, dyes, solvents, and carbon fiber. The coal industry will be around as long as we need aspirin or Boeing wants to build lighter passenger planes. | |
100234 | Glitter, Inc. is a fashion and lifestyle blog, one of the most widely read online resource on fashion, weddings, design, family, events, travel, DIY recipes, crafts and other interesting stuff. Stay informed on the latest trends and things that matter. | |
100241 | Simply, most of the above given 'answers' are mere 'justifications' for a practice that has become anachronistic. It did make sense once in the past, but not any more. Computers and networks can run non-stop 24/7; even though the same human beings cannot be expected to work 24/7, we have invented the beautiful concept ... | |
100250 | "These people used the money they received to invest in their business enterprises. As we all know, investments of the wealthy ""trickle down"" to the poor. If that money had actually gone to poor people they would have spent it on drink and gambling. These people should be commended, not punished." | |
100279 | "The original *""offer""* was as follows: the shark says he has invested in a company that *may* be interested in this entrepreneur's product, and ""contingent on *that* deal,"" he will buy the owner out for $150K plus a 4% royalty interest in perpetuity. This is technically not an offer, because the contingency was to... | |
100280 | The answer is simple. You can generally claim a deduction for an expense if that expense was used to derive an income. Most business expenses are used to derive profits and income, most individual expenses are not. Of course social policy sometimes gets in the way and allows for deductions where they usually wouldn't b... | |
100283 | "I hate to point this out, but have you heard of this guy Trump, or Warren Buffet (although his son seems to be very competent and grounded, to some degree). The US is also plagued with this problem where family companies remain so through leadership, they also tend to fail at greater rates than our publicly ran comp... | |
100284 | Trust me, the plane ticket is the least of the expenses flying my co-worker out they will face. His room, his meals outside of what they will serve him, etc. he will steal every red cent he can from them because he is a filthy thief. | |
100286 | The answer to your question: I don't think it's being irresponsible at all. You are at least saving for your retirement, some people aren't even doing that. My advice? Replace the car with a cheaper car that you absolutely adore. $1000/month is a lot to pay for a car that's just a car. Sell yours, take the resulta... | |
100288 | Well, this is their last attempt to fix it anyway, so it better be good. Because you better believe Democrats will pass universal healthcare without so much as a look across the isle for input and there's no taking back that from people. Isn't it curious that Obamacare started sucking right around the time when GOP s... | |
100292 | That will just change the number of people who are employed. Those who remain employed will require less government help, and those who lose their jobs will require more. Tinkering with the minimum wage will not add wealth or prosperity to the nation, it will only redistribute it. | |
100301 | >First, federal labor law bars even non-union employers like Google from punishing an employee for communicating with fellow employees about improving working conditions. The purpose of the memo was to persuade Google to abandon certain diversity-related practices the engineer found objectionable and to convince co-... | |
100306 | "Short answer: don't do it. Unless you know something that the bank doesn't, it's safe to assume that banks are a lot better at assessing risk than you are. If they think he can't afford it, odds are he can't afford it regardless of what he might say to the contrary. In this case, the best answer may be ""sorry for you... | |
100307 | Agreed They are really good at producing a uniform, consistent product from variable ingredients That's why Stone brewing hired one of their brewers to teach them how to scale up No, I don't drink Bud, but I respect their industrial process control | |
100324 | According to the US Mint, the Government does still have a gold reserve stored mostly in Fort Knox in Kentucky, but there is some in New York and Colorado too. Some facts from their site: That last point is an interesting one. They are basically saying, yes we have it, and no you can't see it. Some conspiracy buffs ... | |
100340 | "This is the best tl;dr I could make, [original](https://www.cato.org/publications/research-briefs-economic-policy/do-corporate-taxes-hinder-innovation) reduced by 87%. (I'm a bot) ***** > Are these two objectives at loggerheads? Does changing corporate tax policy also affect future firm innovation? Such debates hav... | |
100341 | According to my research one only needs £5000 to invest in this fund. However, it also has a sales charge of 4% with an annual charge of 1.75%. If this is short term money, you would have to have a fairly high return to break even. | |
100343 | "This is the best tl;dr I could make, [original](https://www.brookings.edu/opinions/republicans-are-victims-of-a-discredited-economic-ideology/) reduced by 81%. (I'm a bot) ***** > Republicans have become trapped in their own rhetoric, crafted during years of being in opposition. > Republican leaders have failed... | |
100387 | IRS Publication 502: Medical expenses are the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and the costs for treatments affecting any part or function of the body. Loan interest and fees do not meet this definition. Your loan interest and fees are a cost of the payment method you chose ... | |
100403 | If you get your income in the currency you have the new loan in, there is no exchange risk for the future. Assuming that you are able to get and serve that loan, it reduces your cost, so go for it. Yes, if the currency exchange rate changes the right way over the next years, you could have made a better deal - but cons... | |
100420 | "Profitable by design on slide 7, haha. Yeah, no. That's because you're purposely leaving out the maintenance and upkeep for the vehicles in the ""not yours fleet"", don't have ""drivers"" but instead contractors, and you thought you wouldn't have to pay taxes or fees in local cities for your ""not taxis""." | |
100438 | Seems like a stupid move to me. I assume people who don't want to buy a swatch owned brand now won't do so simply because competition is culled. Movement watches simply aren't necessities but a fashion item much of the time. It's like a prominent dress manufacturer called, say, Moochi, that owns the supply of thre... | |
100443 | If you are the main account holder I would try contacting your bank directly, some of them have very accommodating services for this kind of thing. You might even consider going in person if you have a local branch, this might just make communicating easier. They will probably go over your recent transactions with you ... | |
100452 | A 1040X is the form and instructions you need. Don't worry you can rescind the $3 presidential campaign contribution for both you and a spouse. | |
100474 | You're speaking as a private individual. If you owe money to a friend or family member, IOW if it's a *personal* loan from someone you *personally* know, then yes, there is an absolute moral obligation to pay it back if at all possible. But the big banks are not 'people you know'. They treat you like a set of numbers- ... | |
100483 | I'd stick with 20% down. Truth is - we don't know enough about you. Are you single and staying that way? How is your retirement savings doing? As others asked, any other debt? You can put 20% down, take a breath and see how it's going. I did just that, the 20%. We then had a baby, and 5 nanny-years to pay for. When she... | |
100485 | On Monday, the 27th of June 2011, the XIV ETF underwent a 10:1 share split. The Yahoo Finance data correctly shows the historic price data adjusted for this split. The Google Finance data does not make the adjustment to the historical data, so it looks like the prices on Google Finance prior to 27 June 2011 are being ... | |
100497 | "נסחפת My own choice. And the eclipse is quite minimal in NJ. And if I wanted to step out for 2 minutes, or 1 hour, of take the day off, I don't even need to to notify my ""bosses"". I am a boss myself. So far none of the people who report to me asked to take time off." | |
100498 | Banks need to provide a free mechanism to deposit and withdrawal money. Banks are free to charge fees as long as it is well published. If you are not happy with services you can complain to Banking ombudsman. | |
100506 | "Of course I do. The surveys are from graduates of the last year (or two or three depending on which one you look at). Nobody is implying that all the people have successful established careers because inherently that's not what the surveys are about. The surveys are about you finding a job when you graduate, the caree... | |
100517 | "It's a spin on the phrase ""making your money work for you"". before sending your money off to do the heavy lifting, you'll want to have an emergency savings account of about six months of living expenses stored in cash. Basically, he is saying before you start to invest make sure you have sufficient emergency sav... | |
100533 | It is one of the most and largest fresh flower online store such as Wedding Flowers, Event Flowers, Funeral Flowers. There are so many our customers very happy after getting the flowers. Here, you can buy online fresh flower and in new latest style of every flower bouquets. Buy flowers online from largest stores that’s... | |
100546 | "A company doesn't offer up 100% of its shares to the market. There's a float amount of varying significance, maybe 30% of the shares are put up for public offer. Generally some amount of current shareholders will pledge some or all of their shares for offer to the public. This may be how the venture capital, privat... | |
100566 | Is she correct in that you generally can't even apply until the cash transaction is complete? Probably. How can you commit to mortgage something you do not own? Makes sense for them to wait not even until the transaction is complete - but until the transaction is recorded. Is 45 days reasonable to complete the financ... | |
100579 | Potpourri is natural item having mainly mixture of oils, leaves, flowers, and some other products derived from plants so that you get fragrance of blossom in it. It is also available for online sale with best quality including health treatment power. @ http://articles.pubarticles.com/how-to-herbal-potpourri-and-its-adv... | |
100590 | "You are interpreting things wrong. Indian Infotech and Software Ltd (BOM:509051) clearly has volume and trades. The MoneyControl site says Your words like ""Nobody is selling the stock"" and ""no trade going on"" are completely unfounded." | |
100593 | "If it makes you feel any better, I now bank with a credit union. These WF assholes called me one day to tell me that someone had tried to withdraw $500 from my account and that I needed to sign up for a more secure account, of course with a $16 monthly charge. So I did what anybody would do... went to the bank and ask... | |
100599 | Apex repairing centre is authorised IFB customer care and service centre. We provides all types of solutions for IFB products in Mumbai. IFB is well known brand in India, so you can relax related to any query or problems you are facing related to the IFB products. Our repairing engineers are highly qualified who deliv... | |
10060 | Really? You think this is all on the developers having their head in their ass? Do just a little bit of research and you will see why developers are building expensive homes. Since I know you won't research a damn thing, I'll share it with you- Permits, licenses, taxes, fees are absurd. Many of these are assigned and v... | |
100620 | Now, you can get the fabulous dinner service at the West Palm Beach Escape Rooms in your budget. You can come here with your family, because, it is a full secure place for family. We have interesting activity for the clients enjoyment inside escape rooms, it is an amazing place in Florida, USA. It is a romantic date pl... | |
100628 | While a margin account is not required to trade options, a margin account is necessary to take delivery of an exercised put. The puts can be bought in a cash account so long as the cash necessary to fund the trade is available. If you do choose to exercise which almost never has a positive expected value relative to se... | |
100640 | that's not a huge surprise- it boils down to an increased demand for people who can be flexible in their thinking. Business is becoming much more dynamic, procedures change, technology changes, everything changes from week to week if not day to day. If you can't roll with the punches then you're going to have a har... | |
100655 | "If your meaning of ""asset protection"" is buying gold and canned food in the name of a Nevada LLC because some radio guy said so, bad idea. For a person, if you have assets, buy appropriate liability limits with your homeowner/renter insurance policy or purchase an ""umbrella"" liability policy. This type of insuranc... | |
100668 | There is no simple way to calculate how much house any given person can afford. In the answer keshlam gave, several handy rules of thumb are mentioned that are used as common screening devices to reject loans, but in every case further review is required to approve any loan. The 28% rule is the gold standard for estim... | |
100683 | "For the vast majority, ""buying"" a house via a mortgage is not an investment. I use quotes around buying because from a technical perspective you don't own anything until you've paid it off; this is often an important point that people forget. It's highly unlikely you'll make more on it than the amount you put into ... | |
100694 | A Ponzi scheme takes investor money and lies about where it is invested. New investor money is then used to pay dividends to current investors to attract more investors. However there is a fundamental lie as to where the investment is and how much money is under control. The Fed satisfies none of these requirements. Y... | |
100721 | a) Nothing would support this company going back to $.50 per share b) Fundamentally the market for this sectors has been obliterated and the fundamentals don't look like they will improve. Similar companies experience what this one is and will be going through, they borrow the hilt and hope they can pump enough oil and... | |
100728 | If you use a credit union, I look for the co-op network credit union ATMs. Wide network of fee-free ATMs: http://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 You'll have to check with your bank or credit union to see what networks they belong to and if it isn't satisfactory to you, find a new bank or credit u... | |
100743 | There's a serious mistake in your analysis: granted, in the traditional IRA, you avoid paying taxes on the $5000 now, but you're now stuck paying taxes on $2.2 million dollars when you withdraw it later. Obviously, you'll end up paying massively more than $1250 in taxes on this in the end. As other people have pointed ... | |
100762 | Also from Chipotle's website: > It means that whenever possible we use meat from animals raised without the use of antibiotics or added hormones. Again, they aren't claiming to be organic just stating that they don't want to have pigs that are raised with antibiotics. You're putting the organic standard on them t... | |
100764 | "You don't specify which country you are in, so my answers are more from a best practice view than a legal view.. I don't intend on using it for personal use, but I mean it's just as possible. This is a dangerous proposition.. You shouldn't co-mingle business expenses with personal expenses. If there is a chance this ... | |
100792 | Not a day goes by that someone isn't forecasting a collapse or meteoric rise. Have you read Ravi Batra's The Great Depression of 1990? The '90s went on to return an amazing 18.3%/yr compound growth rate for the decade. (The book sells for just over $3 with free Amazon shipping.) In 1987, Elaine Garzarelli predicted the... | |
100801 | I recently sold some property in which I structured the agreement with my realtor such that I would pay the normal 6% commission, 3% to each agent if the buyer came from another agent. If my selling agent found his own buyer, he would get 4.5% commission. As a seller it's possible to negotiate such deals before the hou... | |
10082 | AUD is not a great choice as it has nowhere to go against USD but down. Take a look at the 5 year graph http://au.finance.yahoo.com/q/bc?s=AUDUSD=X&t=5y&l=on&z=l&q=l&c= Most in Australia predict that it will eventually hover around 0.8, at which point you would have lost almost 20% of your savings.... | |
100847 | The main reason for an UBI is to provide atleast some sort of income since a lot of people are projected to be out of a job due to automation. Hence that source of income, for the large part, will go to the basic needs first, like housing, power, food. Atleast, that's what I suspect. So if a landlord knows people can... | |
100849 | Good points. I'm sure twitter has data on the value of Trumps account, but IMO the data for how much value Trump keeps away from Twitter is much less readily available. Anecdotally, I know many people that have either not gotten a twitter account or quit using the service altogether because of him. And I live in a red ... | |
100867 | "No. One of the key ideas behind a corporation is that an investor's liability is limited to the amount he invests, i.e. the amount of stock he buys. This is the primary reason why small businesses become corporations, even though one person owns 100% of the stock. Then if the business goes broke, he won't lose his hou... | |
100882 | I'm almost in the same situation as you. Here is what I'm doing. Buy ETFs each time you have above 3000€ saved up. I buy these: HSBC S+P 500 C.S.-MSCI PACIFIC UBS-ETF-MSCI EMERGING MARKETS ISH.STOX.EUROPE 600 They are taxable under Abgeltungssteuer, so no hassle with that, are cheap and cover almost the entire world e... | |
100884 | "Hey Maison, Thanks for the reply. At this point we're not receiving any statements...I've tried multiple times to ask for papers but it always gets pushed aside and eventually forgotten about (I have a full-time day job as well). Does it make sense that the manager is collecting his full salary + extras, but we as the... | |
10089 | Congratulations on deciding to save for retirement. Since you cite Dave Ramsey as the source of your 15% number, what does he have to say about where to invest the money? If you want to have instantaneous penalty-free access to your retirement money, all you need to do is set up one or more ordinary accounts that you ... | |
10090 | This is your best answer so far. A detail left out is that derivatives are mostly known for the amount of leverage allowed, which is typically about 20-1, or 5% down. This is legal because it's generally assumed that someone is not going to buy or sell the underlying asset, that they will offset their long or short pos... | |
100919 | Ok, I'll play ball. Where do you see the wrong doing? Being in a room with a Russian for 20 minutes is not a crime, nor can it in anyway be concieved of as wrong doing. Edit: of its own accord, of course. | |
100927 | Idk how to word this better but Is it possible to make 4000 in a month? I work full time for a school making 14.70 and my wife makes a little less full time at her job. Is there a way I can help myself maximize price to save based on what we have outgoing? Need a down payment for a home and really don't wanna use a gov... | |
10093 | With Travelguysonline, you have adaptability when you reserve your next vacation trip, which enables you to work with your own funds. If you go to the next trip with your family, You will need a transportation for your trip, then we provide Car rental services at the cheapest price. Prepay for your rental and get a por... | |
100936 | "Concealing parts of a document in order to obtain a signature is illegal. The company committed signature forgery because they effectively modified the document after you signed it (i.e. unfolded the parts that were previously folded). I suggest that you go to your local police department to file a report, citing ""si... | |
100940 | Me too it all started when I ordered a number five and they said medium or large. I asked which size was the price on the picture. Lady said Small... When I am buying things off the menu, price is one of the two factors of my decision. I complained, they could not see the problem... | |
10098 | To a certain extent, small cap companies will in general follow the same trends as large cap companies. The extent of this cointegration depends on numerous factors, but a prime reason is the presence of systemic risk, i.e. the risk to the entire market. In simple terms, sthis is the risk that your portfolio will appro... | |
101021 | > Start a funeral home or casket/urn selling company -- profit off of the death of the Boomers. The problem is that the Boomers will only start dying when GenX starts retiring. While your advice made me chuckle, it is better directed at Millenials. :) | |
101025 | If you are one of those who like travelling then you must plan Myanmar trip this time. This is a nice place to visit with family and friends. So, you can choose this place for vacation whether you are going with your friends or going with your family. | |
10103 | "I don't know what the OP means when he says I want to invest in health insurance from now on so that I can use the policy after I retire. Generally, a health insurance policy covers costs incurred during the current calendar year (or specific period such as July 1 of one year through June 30 of the next year) and does... | |
101046 | Investors are typically a part of the board of directors of the company. Because of their ownership in the company, they have a vested interest in its stock price. The same is true for management also in cases where they hold a certain percentage of equity in the company. Their incentives also get aligned to the stock ... | |
101083 | By the way Foxconn has announced they were opening factories in the US before and not followed through. I get he's desperate for any kind of PR win... but you would think he'd save his big ceremony for when the thing actually opens as opposed to when it's just proposed. |
FiQA2018 — BEIR, unified schema
A normalised copy of the dataset behind the mteb task FiQA2018, one of the tasks of the BEIR benchmark as mteb defines it. Same queries, documents
and relevance judgements as the benchmark evaluates — reshaped into one strict schema shared by every dataset
in this collection.
| Source | mteb/fiqa @ 27a168819829 (the revision pinned in mteb) |
| Domain · languages | finance · eng |
| Queries / documents / qrels (all splits) | 6,648 / 57,638 / 17,110 |
| Qrels per query | min 1 · mean 2.633 · max 15 |
| Score values | 1 ×1,706 |
| Layout | queries · corpus · qrels, split test; queries/qrels also carry train, dev — one shared corpus |
| Splits | qrels: train, dev, test · queries: train, dev, test |
| License | cc-by-sa-4.0 |
Schema
| config | columns | rules |
|---|---|---|
queries |
id: string, text: string |
ids unique and non-empty; every query has ≥ 1 qrel |
corpus |
id: string, title: string, text: string |
title is always present ("" when the source has none) |
qrels |
query-id: string, corpus-id: string, score: int32 |
referential integrity to both tables; no duplicate pairs; no floats |
Files are Parquet, sorted by id, zstd-compressed, sharded at 500 MB. Every rule above is enforced by a validator
before publishing; provenance.json records the source file hashes, what changed, and the output file hashes.
What changed from the source
- byte-preserved all text — no whitespace, newline, or control-character normalisation
dev: dropped 6,148 queries that have no qrels in this split (mteb does the same at load time)test: dropped 6,000 queries that have no qrels in this split (mteb does the same at load time)train: dropped 1,148 queries that have no qrels in this split (mteb does the same at load time)- cast
qrels.scoredouble -> int32 - kept 38 documents whose title and text are both empty — they are in the source and the benchmark's corpus
- kept 39 documents whose text is identical to another document's — a property of the source; note that models embed such documents identically and retrieval ties among them are broken by corpus order
- renamed
_id→id - renamed source splits (
queries←queries/queries,corpus←corpus/corpus) totest
Load it
from datasets import load_dataset
queries = load_dataset("Hyukkyu/beir-fiqa-2018", "queries", split="test")
corpus = load_dataset("Hyukkyu/beir-fiqa-2018", "corpus", split="test")
qrels = load_dataset("Hyukkyu/beir-fiqa-2018", "qrels", split="test")
Cross-check against the previous layout
This repo previously held the same dataset in BEIR's raw two-repo form (Hyukkyu/beir-fiqa-2018 + Hyukkyu/beir-fiqa-2018-qrels; that layout is kept under the git tag legacy-layout). Before replacing it, the build was compared against it: corpus id set identical (57,638 documents); qrels rows per split test 1,706 = 1,706, train 14,166 = 14,166, dev 1,238 = 1,238.
License and attribution
The data is redistributed under the source's terms — cc-by-sa-4.0. All credit belongs to the
original authors; see the source repository and the references in mteb's task metadata (https://sites.google.com/view/fiqa/).
This repository is an independent repackaging and is not affiliated with the RTEB or MTEB maintainers.
License discrepancy. The upstream dataset card declares
cc-by-sa-4.0whilemteb'sTaskMetadatadeclaresnot specified. This card carries the upstream value as the more conservative choice.
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