data/training_data_20251102_215614.json

[
  {
    "instruction": "Describe the process of extracting data from a database.",
    "input": "",
    "output": "The process of extracting data from a database begins by establishing a connection to the database. Once the connection is established, the data can be queried by writing an appropriate query. The results of the query are then retrieved from the database and stored in some local or remote data storage. This process can be automated, where the query is run periodically, or manually done by end user. Depending on the complexity of the query and the database, the process of extracting data from a database can vary."
  },
  {
    "instruction": "Make a list of questions that should be asked during a job interview.",
    "input": "",
    "output": "1. What made you decide to apply for this job?\n2. What do you know about our organization?\n3. What are your career goals?\n4. What have you achieved in the past that make you the right candidate for us?\n5. What do you feel would be your major contributions to our team?\n6. What challenges have you faced in your previous roles and how did you address them?\n7. How would you describe your management style?\n8. What do you consider to be your strongest skills?\n9. How do you handle high-stress situations or tight deadlines?\n10. Do you have any questions for us?"
  },
  {
    "instruction": "Create a song lyric that conveys a sense of nostalgia.",
    "input": "",
    "output": "\"Remember when we would laugh, so care-free? Life was so much simpler then, it seemed. Times have changed, yet happy memories remain. We can look back and smile, when nostalgia takes hold.\""
  },
  {
    "instruction": "Generate a metaphor for how society views success.",
    "input": "",
    "output": "Success is like climbing a mountain; it requires dedication and effort, and once you reach the top you have a beautiful view of the possibilities ahead."
  },
  {
    "instruction": "Come up with a new product to solve the given need.",
    "input": "A device to alert drivers of nearby gas stations when their vehicles are low on fuel.",
    "output": "An automated fuel monitor device that fits inside vehicles and detects when the vehicle is running low on fuel. The device would then alert the driver to the closest gas station with directions and fuel prices."
  },
  {
    "instruction": "Why buy insurance?",
    "input": "",
    "output": "This is just an addition to base64's answer.  In order to maximize your overall wealth (and wellbeing) in a long run, it is not enough to look only at the expected value (EV). In his example of always keeping $9850 or having $10000 99% of the time, EV in the second case is greater ($9900 > $9850) and if you are Bill Gates than you should not take an insurance in this case. But if your wealth is a lot less than that you should take an insurance. Take a look at Kelly criterion and utility functions. If I offer you to take 100 million dollars (no strings attached) or to take a risk to get 200 million dollars 60% of the time (and $0 40% of the time), would you take that risk? You shouldn't but Bill Gates should take that risk because that would be a very good investment for him. Utility functions can help you choose if you want an insurance or not. Maybe you want to insure your house because the value of the house is a large percentage of your wealth but on the other hand you don't need to insure your car if it is very easy for you to afford another one (but not easy to afford another house). Lets calculate what your wealth should be in order not to take this $150 insurance on a $10000 item. If you pay $150 for an insurance you have guaranteed $9850. But choosing not to take an insurance is the same as betting $9850 in order to gain $150 99% of the time. By using Kelly criterion formula fraction of the wealth needed to make this bet is: [p*(b+1)-1]/b = [0.99*(150/9850+1) -1]/ (150/9850) = 1/3.  That means that if your wealth greater than $29950 you don't need an insurance. But if you want to be sure it is advised to use fractional Kelly betting (for example you could multiply fraction by 1/2) and in that case if your wealth is more than $59900 you don't need an insurance for this item."
  },
  {
    "instruction": "Was this a good deal on a mortgage?",
    "input": "",
    "output": "Some part of the payment is probably also going for tax escrow, insurance payments, probably PMI if you aren't  putting at least 20% down. Get a complete breakdown of the costs. Remember to budget for upkeep. And please see past discussion of why buying a home at this point in your career/life may be very, very premature."
  },
  {
    "instruction": "Create a marketing campaign slogan for a pet grooming business.",
    "input": "",
    "output": "\"Treat your pet to the best - let us groom the rest!\""
  },
  {
    "instruction": "Construct an argument to defend the following statement",
    "input": "Alternative energy sources are critical to solving the climate crisis",
    "output": "Alternative energy sources are absolutely vital in order to mitigate the most detrimental impacts of climate change. As the world transitions away from fossil fuels and towards more sustainable sources of energy, such as wind, solar, and hydropower, we can reduce the number of greenhouse gases in the atmosphere and prevent further warming of our planet. Additionally, using renewable and alternative energies sources will create thousands of jobs and can help to create a healthy, stable economy. Investing in alternative energy sources is a sound decision and a necessary step if we want to effectively address the climate crisis."
  },
  {
    "instruction": "Categorize the following words into two teams.",
    "input": "turtle, hedgehog, goat, fox",
    "output": "Team 1: Turtle, Hedgehog\nTeam 2: Goat, Fox"
  },
  {
    "instruction": "Explain to me how a computer virus can be contracted.",
    "input": "",
    "output": "Computer viruses can be contracted in various ways. Common methods include downloading files from untrustworthy websites, opening email attachments from unknown sources, and visiting websites that contain malicious code. Additionally, sharing unsecured computer systems with others can allow for the virus to spread from one system to another."
  },
  {
    "instruction": "Taking partial capital loss purely for tax purposes",
    "input": "",
    "output": "Note that the rules around wash sales vary depending on where you live. For the U.S., the wash sale rules say that you cannot buy a substantially identical stock or security within 30 days (before or after) your sale. So, you could sell your stock today to lock in the capital losses. However, you would then have to wait at least 30 days before purchasing it back. If you bought it back within 30 days, you would disqualify the capital loss event. The risk, of course, is that the stock's price goes up substantially while you are waiting for the wash sale period. It's up to you to determine if the risk outweighs the benefit of locking in your capital losses. Note that this applies regardless of whether you sell SOME or ALL of the stock. Or indeed, if we are talking about securities other than stocks."
  },
  {
    "instruction": "What is the best resource for determining a specific age-based asset allocation?",
    "input": "",
    "output": "Look into the asset allocations of lifecycle funds offered by a company like Vanguard. This page allows you to select your current age and find a fund based on that. You could pick a fund, like the Target Retirement 2055 Fund (ages 21-25), and examine its allocation in the Portfolio & Management tab. For this fund, the breakdown is: Then, look at the allocation of the underlying funds that comprise the lifecycle fund, in the same tab.  Look at each of those funds and see what asset allocation they use, and that should give you a rough idea for an age-based allocation. For example, the Total Stock Market Index Fund page has a sector breakdown, so if you wanted to get very fine-grained with your allocation, you could. (You're probably much better off investing in the index fund, low-cost ETFs, or the lifecycle fund itself, however; it'll be much cheaper).  Doing this for several lifecycle funds should be a good start. Keep in mind, however, that these funds are rebalanced as the target date approaches, so if you're following the allocation of some particular funds, you'll have to rebalance as well. If you really want an age-based allocation that you don't have to think about, invest in a lifecycle fund directly. You'll probably pay a lower expense ratio than if you invested in a whole slew of funds directory, and it's less work for someone who isn't comfortable managing their portfolio themselves. Furthermore, with Vanguard, the expense ratios are already fairly low.  This is only one example of an allocation, however; your tolerance of risk, age, etc. may affect what allocation you're willing to accept.  Full disclosure: Part of my Roth IRA is invested in the Target 2055 fund I used as an example above, and another part uses a similar rebalancing strategy to the one I used above, but with Admiral Share funds, which have higher minimum investments but lower expense ratios."
  },
  {
    "instruction": "How secure is my 403(b)? Can its assets be \u201craided\u201d?",
    "input": "",
    "output": "I assume you get your information from somewhere where they don't report the truth. I'm sorry if mentioning Fox News offended you, it was not my intention. But the way the question is phrased suggests that you know nothing about what \"pension\" means. So let me explain. 403(b) is not a pension account. Pension account is generally a \"defined benefit\" account, whereas 403(b)/401(k) and similar - are \"defined contribution\" accounts. The difference is significant: for pensions, the employer committed on certain amount to be paid out at retirement (the defined benefit) regardless of how much the employee/employer contributed or how well the account performed. This makes such an arrangement a liability. An obligation to pay. In other words - debt. Defined contribution on the other hand doesn't create such a liability, since the employer is only committed for the match, which is paid currently. What happens to your account after the employer deposited the defined contribution (the match) - is your problem. You manage it to the best of your abilities and whatever you have there when you retire - is yours, the employer doesn't owe you anything. Here's the problem with pensions: many employers promised the defined benefit, but didn't do anything about actually having money to pay. As mentioned, such a pension is essentially a debt, and the retiree is a debt holder. What happens when employer cannot pay its debts? Employer goes bankrupt. And when bankrupt - debtors are paid only part of what they were owed, and that includes the retirees. There's no-one raiding pensions. No-one goes to the bank with a gun and demands \"give me the pension money\". What happened was that the employers just didn't fund the pensions. They promised to pay - but didn't set aside any money, or set aside not enough. Instead, they spent it on something else, and when the time came that the retirees wanted their money - they didn't have any. That's what happened in Detroit, and in many other places. 403(b) is in fact the solution to this problem. Instead of defined benefit - the employers commit on defined contribution, and after that - it's your problem, not theirs, to have enough when you're retired."
  },
  {
    "instruction": "Why don't banks allow more control over credit/debit card charges?",
    "input": "",
    "output": "Credit cards and debit cards make up the bulk of the transactions in the US.  Visa and Mastercard take a percentage of each credit card transaction.  For the most part, this fee it built into the price of what you buy.  That is, you don't generally pay extra at the grocery store if you use a credit card (gasoline purchases are a notable exception here.) If you were getting something like 2% of a third of all the retail transactions in the US, you'd probably not want to rock the boat too much either.  Since there is little fraud relative to the amount of money they are taking in, and it can often be detected using statistical analysis, they don't really stand to gain that much by reducing it through these methods.  Sure they can reduce the losses on the insurance they provide to the credit card consumer but they risk slowing down the money machine.  These companies want avoid doing something like reducing fraud by 0.5% revenues but causing purchases with the cards drop by 1%.  More security will be implemented as we can see with the (slow) introduction of chip cards in the US but only at a pace that will prevent disruption of the money machine.  EMV will likely cause a large drop in CC fraud at brick-and-mortar stores but won't stop it online.  You will likely see some sort of system like you describe rolled out for that eventually."
  },
  {
    "instruction": "Given a financial statement, predict what the stock market's reaction will be.",
    "input": "The company reported a 25% growth in profits year-over-year.",
    "output": "The stock market would likely react positively to the company's financial statement, resulting in a rise in stock prices."
  },
  {
    "instruction": "Write a poem about joy.",
    "input": "",
    "output": "Joy is in the smallest things\nThe sight of a sunset\u2019s wings\nThe song of a bird on a breeze\nThe laughter of children at ease\n\nJoy hides in the budding blooms\nLike secrets revealed in their tombs\nThe silence of a peaceful night\nThat looms beneath the stars so bright\n\nJoy is found in the dawn of day\nWhen the sun comes out to play\nIn the sparkle of the summer rain\nThat washes away every pain\n\nThis is joy, meant to be embraced\nFor it can fill any empty space\nLet it fill you up inside\nAnd cast away your tear-soaked pride."
  },
  {
    "instruction": "Create a list of five problems associated with air pollution.",
    "input": "",
    "output": "1. Harmful effects on human health\n2. Impacts on natural ecosystems\n3. Costly damages to infrastructure\n4. Contribution to global warming and climate change\n5. Deterioration of air quality leading to breathing difficulties for many."
  },
  {
    "instruction": "Given a word, construct its antonyms.",
    "input": "Light",
    "output": "Dark, heavy, dense"
  },
  {
    "instruction": "If NYSE has market makers, what is the role of NYSE ARCA which is an ECN",
    "input": "",
    "output": "I would say it's a bit more complicated than that. Do you understand what a market maker does?  An ECN (electronic communication network) is a virtual exchange that works with market makers. Using a rebate structure that works by paying for orders adding liquidity and charges a fee for removing liquidity. So liquidity is created by encouraging what are essentially limit orders, orders that are outside of the current market price and therefore not immediately executable. These orders stay in the book and are filled when the price of the security moves and triggers them.  So direct answer is NYSE ARCA is where market makers do their jobs. These market makers can be floor traders or algorithmic. When you send an order through your brokerage, your broker has a number of options. Your order can be sent directly to an ECN/exchange like NYSE ARCA, sent to a market making firm like KCG Americas (formerly Knight Capital), or internalized. Internalization is when the broker uses an in house service to execute your trade. Brokerages must disclose what they do with orders. For example etrade's. https://content.etrade.com/etrade/powerpage/pdf/OrderRouting11AC6.pdf This is a good graphic showing what happens in general along with the names of some common liquidity providers. http://www.businessweek.com/articles/2012-12-20/how-your-buy-order-gets-filled"
  },
  {
    "instruction": "Compare and contrast zero knowledge proofs with digital signatures",
    "input": "",
    "output": "Zero knowledge proofs are a cryptographic technique that allow one party to prove to another that they know a specific piece of information without revealing the actual information. This process typically involves a prover and a verifier. The prover proves the validity of an assertion such as a password or digital signature without revealing the information, while the verifier verifies the prover\u2019s assertion. Digital signatures, on the other hand, are essentially messages, certificates, or documents that are signed with an encrypted algorithm that can be used to verify the authenticity of the sender. Digital signatures are used to ensure data security and integrity, while zero knowledge proofs help to ensure privacy."
  },
  {
    "instruction": "List 5 ways a machine learning model can be used to make decisions.",
    "input": "",
    "output": "1. Classifying data into predetermined categories.\n2. Forecasting the outcome of a given scenario.\n3. Anomaly detection in the data.\n4. Automating tedious decision-making processes.\n5. Recommending the best options to a user."
  },
  {
    "instruction": "Suggest 3 variations of a given recipe.",
    "input": "Apple Pie",
    "output": "Three variations of a traditional apple pie recipe are:\n- Apple Crumble Pie - layer sliced apples and cinnamon sugar in a baking dish and top with a crumble topping of flour, butter and sugar. \n- Apple Streusel Pie - layer sliced apples with cinnamon sugar, then top with a streusel topping of butter, flour, cinnamon and sugar. \n- Apple Caramel Pie \u2013 layer sliced apples with caramel sauce and sprinkle with crumble topping."
  },
  {
    "instruction": "Rewrite the following statement in the imperative form. \u201cPlease submit your review.\u201d",
    "input": "",
    "output": "Submit your review."
  },
  {
    "instruction": "Alternatives to Intuit's PayTrust service for online bill viewing and bill payment?",
    "input": "",
    "output": "(Six years later...) I've used CheckFree for over 20 years, and my uncle started using it back in the early 1980s through a 300 baud modem.  It has e-bills, EDI bills that you schedule yourself, and will also mail checks to people and small businesses. You can make your payments from an unlimited number of banks, can schedule multiple recurring payments for the same bill (I find that useful for when buying large/expensive items by CC: I create a different payment schedule for each), plus ad hoc payments."
  },
  {
    "instruction": "Need to change cash to cashier's check without bank account (Just arrived to the US)",
    "input": "",
    "output": "A cashier's check costs money to get and is not connected to an account.  You have cash.  You should be able to get a bank to sell you one, even without an account.  Find a bank where you would like to open an account and explain the situation.  I can't guarantee that that will work, but I would expect it to do so.  If not, the bank can probably suggest an alternative.   You might also ask the landlord if you can do it with postal money orders.  I am positive that you can buy those with cash.  You might have to buy a bunch to reach your desired amount.  Or perhaps a Western Union money order might be better.   You also might be able to open an account with your passport and Social Security Number (SSN)."
  },
  {
    "instruction": "Name one possible consequence of this issue.",
    "input": "Issue: The widening use of smartphone technology has led to an increase in cyberbullying.",
    "output": "One possible consequence of this issue is that victims of cyberbullying can become emotionally distressed and experience decreased self-esteem and more severe mental health issues."
  },
  {
    "instruction": "Identify the most important cause of air pollution in the cities.",
    "input": "",
    "output": "The most important cause of air pollution in cities is emissions from vehicles, such as cars and buses."
  },
  {
    "instruction": "Using multiple bank accounts",
    "input": "",
    "output": "I live near historic Concord, Massachusetts, and frequently drive past Walden Pond. I'm reminded of Henry David Thoreau's words,  \"Simplify, simplify, simplify.\" In my opinion, fewer is better. 2 checkbooks? I don't see how that makes budgeting any easier. The normal set of expenses are easily kept as one bucket, one account.  The savings 2&3 accounts can also be combined and tracked if you really want to think of them as separate accounts.  Now, when you talk about 'Retirement' that can be in tax-wise retirement accounts, e.g. 401(k), IRA, etc. or post tax regular brokerage accounts. In our situation, the Schwab non-retirement account was able to handle emergency (as money market funds) along with vacation/rainy day, etc, in CDs of different maturities. As an old person, I remember CDs at 10% or higher, so leaving money in lower interest accounts wasn't good. Cash would go to CDs at 1-5 year maturities to maximize interest, but keep money maturing every 6-9 months.  Even with the goal of simplifying, my wife and I each have a 401(k), an IRA, and a Roth IRA, I also have an inherited Roth, and I manage my teen's Roth and brokerage accounts. That's 9 accounts right there. No way to reduce it.  To wrap it up, I'd go back to the first 4 you listed, and use the #4 checking attached to the broker account to be the emergency fund. Now you're at 3. Any higher granularity can be done with a spreadsheet.  Think of it this way - the day you see the house you love, will you not be so willing to give up that year's vacation?"
  },
  {
    "instruction": "Take 2 minutes for a mindfulness practice",
    "input": "",
    "output": "Begin by sitting comfortably and paying attention to your breath. Focus on the sensation of the air entering your nostrils and leaving your mouth. Count your inhalationbreaths from one to eight, then repeat. Do this entire process again, then focus on your entire body and release any tension that you may have. Finally, let your mind be still and peaceful, and when you're ready you may open your eyes."
  },
  {
    "instruction": "Describe a psychological condition called \"depersonalization disorder\".",
    "input": "",
    "output": "Depersonalization disorder is a form of dissociative disorder in which an individual experiences a feeling of being detached from reality or themselves. People with depersonalization disorder may feel as though their thoughts and emotions are not their own, and they may have difficulty recognizing faces and voices. They may also experience distortion in the perception of time and space. Symptoms can be intermittent or continuous, and the disorder is often associated with depression, anxiety, and post-traumatic stress disorder."
  },
  {
    "instruction": "Analyze the argument that global warming is a hoax",
    "input": "",
    "output": "The argument that global warming is a hoax is largely unsupported. Recent scientific findings indicate that the Earth is indeed warming at an alarming rate, and human activities are the major cause of this warming. On top of this, the only evidence that skeptics have presented to suggest that global warming is a hoax is anecdotal, and has not been verified by any scientific methodologies. Overall, the argument that global warming is a hoax is not supported by any reliable evidence."
  },
  {
    "instruction": "Explain the term 'network latency' in one sentence.",
    "input": "",
    "output": "Network latency is the amount of time it takes for data to be transferred between two points on a network."
  },
  {
    "instruction": "Decompose the following polygon into smaller polygons.",
    "input": "A polygon with 5 sides",
    "output": "The polygon can be decomposed into two triangles and a square."
  },
  {
    "instruction": "Provide a general overview of the given topic.",
    "input": "Topic: The birth of e-commerce",
    "output": "The birth of e-commerce is an important milestone, as it introduced a new era of seamless shopping and convenience to consumers. The idea of buying items online without having to leave the comfort of home first became possible in the mid-to-late 1990s, fueled by the widespread availability of the internet. Since then, e-commerce has grown rapidly and continues to expand, with numerous advancements in technologies such as online payment processing, smartphones, and virtual/augmented reality. Nowadays, e-commerce has become an integral part of people's lives, with a variety of goods and services available through digital channels."
  },
  {
    "instruction": "Classify this sentence as positive, negative or neutral sentiment: \"I am so tired\".",
    "input": "",
    "output": "Negative sentiment."
  },
  {
    "instruction": "Classify the following sentence as verb, noun, adjective, etc.",
    "input": "Nature is beautiful.",
    "output": "Noun (Nature), Adjective (beautiful)."
  },
  {
    "instruction": "Create a cryptographic code using a substitution cipher.",
    "input": "",
    "output": "A substitution cipher is a cryptographic code which replaces each letter in the plaintext with another letter. For example, a substitution cipher might replace each letter with the letter three positions after it in the alphabet. So, the letter \"A\" would be replaced with the letter \"D\", the letter \"B\" would be replaced with the letter \"E\", and so on."
  },
  {
    "instruction": "Describe the symptoms of a cold",
    "input": "",
    "output": "The symptoms of a cold include a sore throat, a headache, a runny nose, sneezing, congestion, a cough, body aches, fatigue, and fever. Other symptoms can include chills, loss of appetite, digestive issues, and a loss of smell and taste."
  },
  {
    "instruction": "Describe the flow of oxygen in the human body.",
    "input": "",
    "output": "The flow of oxygen in the human body begins with breathing. Oxygen is taken in through the lungs and enters the bloodstream. From the bloodstream, oxygen is transported to the cells throughout the body. \n\nOnce inside the cells, the oxygen combines with other molecules to create adenosine triphosphate (ATP), the energy source for all cell activity. The ATP is then used to power metabolic and physiological processes in the body. The oxygen that was used to make ATP is then released back into the bloodstream, and is eventually exhaled back out of the lungs."
  },
  {
    "instruction": "Where can I open a Bank Account in Canadian dollars in the US?",
    "input": "",
    "output": "Give Harris Bank a call; they might be able to help you As of August 21, 2015, Harris bank does NOT offer Canadian dollar accounts in the U.S."
  },
  {
    "instruction": "Are bonds really a recession proof investment?",
    "input": "",
    "output": "No, they are not recession proof.   Assume several companies, that issued bonds in the fund, go bankrupt.  Those bonds could be worthless, they could miss principle payments, or they could be restructured.  All would mean a decline in value. When the economy shrinks (which is what a recession is) how does the Fed respond?  By lowering interest rates.  This makes current bonds more valuable as presumably they were issued at a higher rate, thus the recession proof prejudice.  However, there is nothing to stop a company (in good financial shape) from issuing more bonds to pay the par value on high-interest bonds, thus refinancing their debt.  Sort of like how the bank feels when one refinances the mortgage for a lower rate.   The thing that troubles me the most is that rates have been low for a long time.  What happens if we have a recession now?  How does the Fed fix it?  I am not sure exactly what the fallout would be, but it could be significant. If you are troubled, you should look for sectors that would be hurt and helped by a Trump-induced recession.  Move money away from those that will be hurt.  Typically aggressive growth companies are hurt (during recessions), so you may want to move money away from them.  Typically established blue chip companies fare okay in a recession so you may want to move money toward them.  Move some money to cash, and perhaps some towards bonds.   All that being said, I'd keep some money in things like aggressive growth in case you are wrong."
  },
  {
    "instruction": "U.S. stock sales- tax on sale for NR Canadian",
    "input": "",
    "output": "If you're a non resident then you owe no capital gains tax to Canada. Most banks won't let you make trades if you're a non-resident.  They may not have your correct address on file so they don't realize this.  This is not tax law but just OSC (or equivalent) regulations. You do have to fill out paperwork for withholding tax on OAS/CPP payments.  This is something you probably already do but here's a link .  It's complicated and depends on the country you live in. Of course you may owe tax in Thailand, I don't know their laws."
  },
  {
    "instruction": "Name three things associated with the topic.",
    "input": "Hiking",
    "output": "Hiking is associated with walking, enjoying nature, and exploring trails."
  },
  {
    "instruction": "Provide three example usages of the word 'adorn'.",
    "input": "",
    "output": "1. The bride adorned herself with the finest jewels. \n2. The house was adorned with holiday decorations. \n3. She adorned her wedding dress with a beautiful sash."
  },
  {
    "instruction": "What is the difference between \u201cgood debt\u201d vs. \u201cbad debt\u201d?",
    "input": "",
    "output": "First of all debt is a technology that allows borrower to bring forward their spending; it's a financial time machine. From borrowers point of view debt is good when it increases overall economic utility.  A young person wants to bring up a family but cannot afford the house. Had they waited for 30 years they would have reached the level of income and savings to buy the house for cash. By the time it might be too late to raise a family, sure they'd enjoy the house for the last 20 years of their life. But they would loose 30 years of utility - they could have enjoyed the house for 50 years! So, for a reasonable fee, they can bring the spending forward.  Another young person might want to enjoy a life of luxury, using the magical debt time machine and bringing forward their future earnings. They might spend 10 years worth of future earnings on entertainment within a year and have a blast. Due to the law of diminishing marginal utility - all that utility is pretty much wasted, but they'll still will need to make sacrifices in the future. The trick is to roughly match the period of debt repayment to the economic life of the purchase. Buying a house means paying over 30 years for an asset that has an economic life of 80 years+, given that the interest fee is reasonable and the house won't loose it's value overnight that's a good debt. Buying a used car with a remaining life of 5 years and financing its with a seven years loan - is not a good idea. Buying a luxurious holiday that lasts a fortnight with 2 years of repayments, i.e. financing non-essential short term need with medium term debt is insane. The other question is could the required utility be achieved through a substitute at a lower cost without having to bring the spending forward or paying the associated fee."
  },
  {
    "instruction": "How can you possibly lose on investments in stocks?",
    "input": "",
    "output": "If you're talking about a single stock, you greatly underestimate the chances of it dropping, even long-term. Check out the 12 companies that made up the first Dow Jones Industrial Average in 1896. There is probably only one you've heard of: GE. Many of the others are long gone or have since been bought up by larger companies. And remember these were 12 companies that were deemed to be the most representative of the stock market around the turn of the 20th century. Now, if you're talking about funds that hold many stocks (up to thousands), then your question is a little different. Over the long-term (25+ years), we have never experienced a period where the overall market lost value. Of course, as you recognize, the psychology of investors is a very important factor. If the stock market loses half of its value in a year (as it has done a few times), people will be inundated with bad news and proclamations of \"this time it's different!\" and explanations of why the stock market will never recover. Perhaps this may be true some day, but it never has been thus far. So based on all the evidence we have, if you hold a well-diversified fund, the chances of it going down long-term (again, meaning 25+ years) are basically zero."
  },
  {
    "instruction": "Name the top 5 TV shows that have the highest IMDB rating?",
    "input": "",
    "output": "The top 5 TV shows according to IMDb rating are \"The Wire\" (9.3), \"Breaking Bad\" (9.5), \"Game of Thrones\" (9.4), \"The Sopranos\" (9.2), and \"Band of Brothers\" (9.4)."
  },
  {
    "instruction": "Using the provided condition, construct a query in SQL.",
    "input": "SELECT column FROM table WHERE condition = true",
    "output": "SELECT column FROM table WHERE condition = true AND gender = 'male'"
  },
  {
    "instruction": "Identify what type of relationship exists between two items.",
    "input": "X-ray and Scan",
    "output": "X-ray and Scan are both medical imaging procedures used to create a visual representation of the body. The difference between them is that an X-ray uses radiation to create the image, while a Scan uses sound waves."
  },
  {
    "instruction": "Generate a list of 10 strategies for dealing with stress.",
    "input": "",
    "output": "- Identify the sources of stress in your life.\n- Develop healthy coping strategies.\n- Exercise regularly.\n- Get enough sleep.\n- Eat a healthy diet.\n- Practice deep breathing exercises.\n- Spend time with friends and family.\n- Learn to say \u201cno\u201d.\n- Take a break from the situation that\u2019s causing you stress.\n- Find ways to reduce unnecessary commitments."
  },
  {
    "instruction": "Write a new sentence that has a simile in it.",
    "input": "",
    "output": "Her laughter was like a light rain shower on a hot summer day."
  },
  {
    "instruction": "Given a news article, explain the key points and implications.",
    "input": "News Article: Google is launching a new cloud-computing service.",
    "output": "Google has announced the launch of a new cloud-computing service, which will offer users a wide range of data storage and computing capabilities. This new service could provide businesses with a more cost-effective way of storing and accessing large amounts of data. It could also lead to the development of new applications and services that are accessed through the cloud."
  },
  {
    "instruction": "Come up with a riddle based on the given semantic keywords related to money.",
    "input": "Hoarding, Spend, Bill",
    "output": "What is always hoarded, but must be spent on bills? \nAnswer: Money."
  },
  {
    "instruction": "Identify the main theme of the following poem:\n\n\"I'd climb a hill so high,\nThat I could touch the stars in the sky,\nAnd I'd watch the birds fly by\"",
    "input": "",
    "output": "The main theme of the poem is ambition and determination. The speaker is expressing a desire to reach for their dreams."
  },
  {
    "instruction": "Generate a creative title that summarises the following article.",
    "input": "A new report suggests that an increase in carbon dioxide levels has led to higher temperatures, more extreme weather events and a rapid decline in biodiversity.",
    "output": "The Perils of Increased Carbon: A Rapid Climatic and Biodiversity Crisis."
  },
  {
    "instruction": "Write an algorithm for solving an anagram.",
    "input": "",
    "output": "1. Get the anagram as input.\n2. Split the anagram into individual characters.\n3. Sort the characters in alphabetical order.\n4. Compare the sorted characters with words in a dictionary to form matches.\n5. Return the matches."
  },
  {
    "instruction": "Develop a plan for the use of a new software.",
    "input": "Software: Customer Service Ticket System",
    "output": "A plan for the use of a customer service ticket system should include: creating user accounts and assigning access levels, training staff on the system, mapping out customer service workflows, creating customer profiles, assigning a unique ticket number for each inquiry, tracking corresponding conversations and activities, and setting up automated customer service reports."
  },
  {
    "instruction": "Generate a list of activities for a birthday party for a 9-year-old.",
    "input": "",
    "output": "Here is a list of activities for a 9-year-old's birthday party:\n- Have a treasure hunt: Hide small items around the house or outside and have the children search for them. \n- Have a potato-sack race: Divide the children into two teams and let them race each other while carrying a sack of potatoes. \n- Balloon relay: Divide the group into two teams and have them compete in a balloon popping race. \n- Build castles out of blocks: Provide a variety of blocks to the children and let them build creative structures. \n- Have karaoke: Set up a karaoke machine and sing along to the children's favorite songs. \n- Scavenger hunt: Hide items around the house and have the kids find them. \n- Have a themed party: Take the birthday boy or girl's favorite character and make it the theme of the entire house by decorating with the character's items. \n- Paint a mural: Give the children paint and brushes and let them create a mural together. \n- Have a scavenger hunt in the park: Hide items in the park and have the children hunt them down. \n- Play hide and seek: Let the children play hide and seek in the house or in the park. \n- Make a fashion show: Provide clothing items such as hats and jewelry and let the children play dress up and model their outfits. \n- Make a pinata: Provide a pinata filled with candy and let the children take turns in hitting it to break it open."
  },
  {
    "instruction": "Find the minimum value of the function",
    "input": "f(x, y) = 2x^2 + y^3",
    "output": "The minimum value of the function f(x, y) = 2x^2 + y^3 is 0, when x = 0 and y = 0."
  },
  {
    "instruction": "How do I know when I am financially stable/ready to move out on my own?",
    "input": "",
    "output": "It all depends on what your financial goals are when you are ready.  You sound like you could be ready today if you wanted to be.  The steps that I would take are. Create a monthly draft budget.  This doesn't have to be something hard and fast, just a gague of what your living expenses would be compared to your after-tax salary.  Make sure there  would be room for \"fun\" money. a. Consider adding a new car fund line item to this budget, and deducting that amount from your paycheck starting now so that you can save for the car. Based on the most realistic estimate that you can make, you'll get a good idea if you want to spend the money it takes to move out alone now or later.  You'll also see the price for various levels of rentals in your area (renting a single family home, townhouse, condo, apartment, living in a rented room or basement, sharing a place with friends, etc) and know some of the costs of setting up for yourself.  Since you're looking at the real estate market, you may want to do a cost comparison of renting versus buying.  I've found the New York Times interactive graphic on this is excellent.  If you are looking to buy, make sure to research the hidden costs of buying thoroughly before taking this step. To answer your last question, if you have the cash you should consider upping your 401K investment (or using Roth or regular IRA).  Make sure you are investing enough to get your full employer match, if your employer offers one, and then get as close as you can to government maximum contribution limits.  Compound interest is a big deal when you are 23."
  },
  {
    "instruction": "classify the given phrases as either a fact or opinion.",
    "input": "The United States is the world's largest economy.\nBananas are the best fruit.",
    "output": "The United States is the world's largest economy: Fact\nBananas are the best fruit: Opinion"
  },
  {
    "instruction": "Identify the country in which the World Trade Center is located.",
    "input": "",
    "output": "The World Trade Center is located in New York City, United States."
  },
  {
    "instruction": "How do you translate a per year salary into a part-time per hour job?",
    "input": "",
    "output": "If you're really a part-time worker, then there are some simple considerations.... The remote working environment, choice of own hours, and non-guarantee of work availability point to your \"part-time\" situation being more like a consultancy, and that would normally double or triple the gross hourly rate. But if they're already offering or paying you a low hourly figure, they are unlikely to give you consultant rates."
  },
  {
    "instruction": "Write an essay about the societal implications of artificial intelligence",
    "input": "",
    "output": "The increasing prevalence of artificial intelligence (AI) has caused a wave of discussions about its implications for our society. AI systems are becoming capable of carrying out tasks both quickly and accurately, and they have the potential to revolutionize the way humans interact with machines. However, while AI has the potential to provide immense benefits, the rise of AI is not without its risks. AI decision-making can often be biased and opaque, while more sophisticated AI models can lead to complex societal and ethical issues. In our increasingly digital world, it is important to be aware of the implications that AI and machine learning can have on our individual lives, as well as on society as a whole."
  },
  {
    "instruction": "Generate a summation of the following numbers",
    "input": "1,2,3,4,5",
    "output": "Summation of the numbers is 15"
  },
  {
    "instruction": "Describe the recipe for the following dish.",
    "input": "Tom Yum Soup",
    "output": "Tom Yum Soup is an aromatic and flavorful Thai soup made with lemongrass, kaffir lime leaves, galangal, mushrooms, and a spicy chili paste. The broth is seasoned with fish sauce, tamarind paste, and lime juice to create an uplifting and spicy appetizer."
  },
  {
    "instruction": "Name three political leaders from Russia.",
    "input": "",
    "output": "Three political leaders from Russia are Vladimir Putin, Dmitry Medvedev and Sergey Shoygu."
  },
  {
    "instruction": "Rewrite the following phrase in its interrogative form",
    "input": "Life is beautiful",
    "output": "Is life beautiful?"
  },
  {
    "instruction": "Given a type of food, create a recipe for it.",
    "input": "apple crumble",
    "output": "Apple Crumble Recipe\nIngredients: \n- 4 large apples, peeled, cored and cubed \n- 2 tablespoons of butter \n- \u00bd cup of packed brown sugar \n- 2 tablespoons of all-purpose flour \n- \u00bd teaspoon of ground cinnamon \n- \u00bc teaspoon of ground nutmeg \n- 1 cup of rolled oats \n\nInstructions:\n1. Preheat oven to 350 degrees F (175 degrees C). Grease an 8-inch square baking dish.\n2. Spread the cubed apples in the greased baking dish. \n3. In a medium bowl, mix together the butter, brown sugar, flour, cinnamon, nutmeg and oats until well combined. \n4. Sprinkle the oat crumble mixture over the apples and spread evenly.\n5. Bake in preheated oven for about 30 minutes, or until the top is golden brown. Serve warm."
  },
  {
    "instruction": "Explain the principle of least action.",
    "input": "",
    "output": "The principle of least action states that the path taken between two points by a physical system is the one that requires the least amount of action. In other words, the path taken results in a net zero action between two points. This means that the action or energy is conserved over the duration of the path taken by the physical system. This principle has been used to explain the behavior of both light and sound waves in the natural world."
  },
  {
    "instruction": "Are Target Funds Unsafe - Post Q.E.?",
    "input": "",
    "output": "It's a what-if? sort of question. What if rates stay down or trend only slightly higher, despite no QE? look at other countries response to tepid economies. My experience as professional advisor (25 yrs) tells me the future is unknowable and diversity is good. Make alternative choices- they all won't work wonderfully, but some will."
  },
  {
    "instruction": "Name three strengths you have and explain how they will benefit the company if you were to be hired.",
    "input": "",
    "output": "I possess three strengths which I believe will be of great benefit to the company if I were to be hired. \n\nFirst, I have outstanding communication skills. I have an ability to communicate complex ideas and concepts in a simple and clear manner. I am also an active listener, which allows me to understand the needs and opinions of both my superiors and colleagues.\n\nSecond, I have great problem-solving skills which enable me to quickly identify the root cause of an issue and come up with creative solutions. I am also a creative thinker, who can think outside of the box and come up with innovative ideas.\n\nFinally, I have strong organizational and managerial skills. I am able to prioritize tasks, delegate responsibilities, and manage my time in order to hit deadlines. I also have experience leading and motivating teams and individual contributors to ensure that the tasks are completed on time and with the highest quality.\n\nI believe that these strengths will be of great value and benefit to the company if I were to be hired. I am confident that I can utilize them to help the company achieve its goals."
  },
  {
    "instruction": "Will a credit card issuer cancel an account if it never incurs interest?",
    "input": "",
    "output": "Some years ago a call center operator told me a bit more than they probably should have.  They like to see a lot of money go through the card, but very little staying on the card. Yes, they make money on the interest but one card defaulting blows away the profit on a lot of other cards. The 3% take from the merchants is both reliable and up-front, not 6 months down the line when (and if) you pay the interest. So if you want to make your credit card company happy, pay your bills in full every month. I have credit far beyond my actual means because I run work expenses on my personal card, I was told they didn't care (and had already guessed) that it wasn't my money. The point was I was handling things in a way they liked. Not quite at Palladium status, but cards with $200 annual fees are mine for the asking, and I haven't paid interest since the early 1990's."
  },
  {
    "instruction": "Fix the following punctuation and spelling errors.",
    "input": "We went outside for recess saturday",
    "output": "We went outside for recess Saturday."
  },
  {
    "instruction": "Take the given sentences and make a new sentence with them using a colon for emphasis.",
    "input": "He was very excited. He was looking forward to the new adventure.",
    "output": "He was very excited: he was looking forward to the new adventure."
  },
  {
    "instruction": "What would I miss out on by self insuring my car?",
    "input": "",
    "output": "You're trading a fixed liability for an unknown liability. When I graduated from college, I bought a nice used car. Two days later, a deer came out of nowhere, and I hit it going 70 mph on a highway. The damage? $4,500. If I didn't have comprehensive insurance, that would have been a real hit to me financially. For me, I'd rather just pay the modest cost for the comprehensive."
  },
  {
    "instruction": "Determine the base and the height of a triangle given its area.",
    "input": "Area: 20 cm2",
    "output": "Base: 10 cm, Height: 8.94 cm."
  },
  {
    "instruction": "Assume you are a researcher. Explain the importance of conducting a survey.",
    "input": "",
    "output": "Surveys are an important tool for researchers as they help to collect large amounts of data in a short period of time. Surveys provide insight into the attitudes and behaviors of respondents, as well as the prevalence of certain attitudes and behaviors in specific groups. They can help to identify trends and attitudes that might otherwise be overlooked. Surveys can also be used to measure the effectiveness of interventions, compare outcomes across populations, and identify underlying causes of certain behaviors."
  },
  {
    "instruction": "Put on a put option",
    "input": "",
    "output": "If you look at it from the hedging perspective, if you're unsure you're going to need to hedge but want to lock in an option premium price if you do need to do so, I could see this making sense."
  },
  {
    "instruction": "Rewrite the following sentence to make it stronger:\n\nThe students are excited about their upcoming assignment.",
    "input": "",
    "output": "The students are thrilled with anticipation for their upcoming assignment."
  },
  {
    "instruction": "Find and provide two sources to support the following statement",
    "input": "The economic cost of climate change is estimated in trillions of dollars.",
    "output": "Sources: \n1. https://www.weforum.org/agenda/2017/05/climate-change-economic-costs-billion-dollars/\n2. https://www.iea.org/news/global-cost-of-climate-change-could-reach-2-trillion-by-2030-report-finds"
  },
  {
    "instruction": "What happens if I just don't pay my student loans?",
    "input": "",
    "output": "employed under the table and doesn't have a bank account If I could make that size 10,000,000 font I would.  Your friend likely also isn't paying taxes.  The student loan penalties will be nothing compared to what the IRS does to you.   Avoid taking financial advice from that person."
  },
  {
    "instruction": "Can used books bought off Amazon be claimed as a tax deduction in Australia?",
    "input": "",
    "output": "Yes, if they meet the ATO's criteria. Books, periodicals and digital information If the item cost less than $300 you can claim an immediate deduction where it satisfies all of the following requirements: http://www.ato.gov.au/Individuals/Income-and-deductions/Deductions-you-can-claim/Other-deductions/Books,-periodicals-and-digital-information/ Alternatively They may be a self-education expense http://www.ato.gov.au/Individuals/Income-and-deductions/Deductions-you-can-claim/Self-education-expenses/ A Further Alternative  They could fall into the tool, equipment or other asset category if they are for a professional library (this can include a home office). http://www.ato.gov.au/Individuals/Income-and-deductions/Deductions-you-can-claim/Tools,-equipment-and-other-assets/ I understand this is an old question although given the dead link in the above answer and the new resources this answer might prove helpful for others coming across this question."
  },
  {
    "instruction": "Classify the following color into warm and cool colors.",
    "input": "Red",
    "output": "Red is a warm color."
  },
  {
    "instruction": "Give a brief overview of Machine Learning.",
    "input": "",
    "output": "Machine Learning is the process of creating algorithms that can learn from data to make decisions and predictions. It is used in a wide range of applications such as image recognition, natural language processing, speech recognition, robotics, and medical diagnostics. Machine Learning algorithms are designed to improve themselves over time by identifying patterns in data and making decisions based on those patterns. Machine Learning has become increasingly popular in recent years as new algorithms and technologies have allowed for faster and more accurate predictions and decisions to be made."
  },
  {
    "instruction": "Match the given words to their respective descriptions?",
    "input": "Structured Query Language: Database Management System",
    "output": "Structured Query Language (SQL): Database Management System - SQL is a standard programming language that is used to interact with a relational database management system (RDBMS) to store, retrieve, and manipulate data. It is a declarative language that allows the user to specify what information they want from the database and allows the database to optimize the communication between the user and the database."
  },
  {
    "instruction": "Getting Cash from Credit Card without Fees",
    "input": "",
    "output": "You said: Use a credit card (to get my 3% Cash back) to withdraw cash ... Then you said: Is there any way to do this without paying a cash advance fee (or any fees in general)? Right there you have stated the inconsistency.  Withdrawing cash using a credit card is a cash advance.  You may or may not be charged a fee for doing the cash advance, but no credit card will offer you cash back on a cash advance, so you can't earn your 3% by using cash advances. As others have mentioned, you can sometimes get close by using the card to purchase things that are almost like cash, such as gift cards.  But you have to make a purchase."
  },
  {
    "instruction": "Compare and contrast the characteristics of the desert and the jungle.",
    "input": "",
    "output": "Deserts are usually dry and have sparse vegetation, while jungles are usually wet and have dense vegetation. Desert landscapes can vary from sand dunes to mountains, while jungles are typically covered in trees and other vegetation. The temperature and weather in the desert tends to be very hot and arid, while the jungle is typically warm and humid."
  },
  {
    "instruction": "Create a resume objective statement for a person seeking a position as a software engineer.",
    "input": "",
    "output": "A passionate software engineer seeking to leverage over 5 years of experience in designing and developing complex software applications in order to improve the performance and user experience of highly trafficked websites."
  },
  {
    "instruction": "What is a good way to handle a difficult problem?",
    "input": "",
    "output": "A good way to handle a difficult problem is to take a step back and identify the root cause. Once you have identified the underlying cause, you can consider different solutions, weigh them carefully, and determine the best course of action. Additionally, it is important to gather the necessary resources needed to address the problem and stay organized."
  },
  {
    "instruction": "Compose a blog article on the importance of exercise.",
    "input": "",
    "output": "Exercise is essential to living a healthy and active lifestyle. Regular exercise helps to improve physical strength and endurance, increase energy levels, improve cardiovascular health and lower risk of certain diseases. In addition, studies have also shown that exercise releases endorphins which can help to reduce stress and anxiety. Exercise can also help to build mental resilience, concentration, and focus.\n\nGetting started with an exercise routine does not have to be daunting. It can be as simple as a 10-minute walk or jog around the block and gradually increasing the intensity and duration as you get more comfortable with exercise. Regular physical activity can also be fun and your exercise routine can be tailored to your own personal interests. Whether it\u2019s going for a swim, running, biking, playing basketball or weight training, there is something for everyone.\n\nExercise is an important part of living a healthy and happy life, and it can have a great impact on both physical and mental wellbeing. So make sure to make time for regular physical activity to stay healthy and happy!"
  },
  {
    "instruction": "Recent college grad. Down payment on a house or car?",
    "input": "",
    "output": "When I was in that boat a few years ago, I went for the car first.  My thoughts: If I get the car first, I'm guaranteed to have a car that runs well.  That makes it more convenient to commute to any job, or for social functions.  I ended up dropping about $20k into a car (paid cash, I don't like being in debt).  I chose to buy a really nice car, knowing it will last for many years to come - I'm expecting to not replace it for about 10 years from the purchase.  I would urge you to consider paying in full for the car; dumping $20k+ is a lot, and there are plenty of nice cars out there in the $10-20k range that will work just fine for years to come.  One benefit of paying in full is that you don't have a portion of your income tied into the car loan. The main reason I chose not to go for the house first had more to do with the difference in commitment.  A home mortgage is a 30-year commitment on a large chunk of your income.  With the job market and housing markets both currently working against you, it's better to wait until you have a large safety net to fall into. For example, it's always recommended to have several months worth of living expenses in savings.  Compared to renting, having 6 or more months of mortgage payments + utilities + insurance + property taxes + other mandatory expenses (see: food, gas) comes out to a significant amount more that you should have saved (for me, I'm looking at a minimum of about $20k in savings just to feel comfortable; YMMV).  Also, owning a house always has more maintenance costs than you will predict.  Even if it's just replacing a few light bulbs at first, eventually you'll need something major: an appliance will die, your roof will spring a leak, anything (I had both of those happen in the first year, though it could be bad luck).  You should make sure that you can afford the increased monthly payments while still well under your income. Once you're locked in to the house, you can still set aside a smaller chunk of your income for a new car 5-10 years down the road.  But if you're current car is getting down to it's last legs, you should get that fixed up before you lock yourself in to an uncomfortable situation. Don't be in too much of a hurry to buy a house.  The housing market still has a ways to go before it recovers, and there's not a whole lot to help it along.  Interest rates may go up, but that will only hurt the housing market, so I don't expect it to change too much for the next several months.  With a little bit of sanity, we won't have another outrageous housing bubble for many years, so houses should remain somewhat affordable (interest rates may vary).  Also keep in mind that if you pay less that 20% down on the house, you may end up with some form of mortgage interest, which is just extra interest you'll owe each month."
  },
  {
    "instruction": "Edit the following sentence to ensure it is grammatically correct and properly punctuated.",
    "input": "The town was founded in the 1700s",
    "output": "The town was founded in the 1700's."
  },
  {
    "instruction": "income tax for purchased/sold short term & long term shares",
    "input": "",
    "output": "As mentioned by Dilip, you need to provide more details. In general for transacting on stocks; Long Term: If you hold the stock for more than one year then its long term and not taxable. There is a STT [Securities Transaction Tax] that is already deducted/paid during buying and selling of a stock. Short Term: If you hold the stock for less than one year, it's short term gain. This can be adjusted against the short term loss for the financial year. The tax rate is 10%. Day Trading: Is same as short term from tax point of view. Unless you are doing it as a full time business. If you have purchased multiple quantities of same stock in different quantities and time, then when you selling you have to arrive at profit or loss on FIFO basis, ie First in First Out"
  },
  {
    "instruction": "Generate a list of landscape gardening projects for a garden that is 30m by 20m.",
    "input": "Garden size: 30m by 20m",
    "output": "1. Install a pergola for shade and comfort.\n2. Set up garden lighting for nighttime blooms and show. \n3. Set up raised flower gardens with different varieties of plants.\n4. Install a water feature such as a fountain or pond.\n5. Plant trees to provide shade and natural beauty.\n6. Plant climbing vines on fences and walls.\n7. Set up a vegetable garden.\n8. Construct a path of stones and gravel.\n9. Add a seating area with outdoor furniture.\n10. Utilize vertical lattices or garden arches to create a layered look and texture."
  },
  {
    "instruction": "How does the value of an asset (valued in two different currencies) change when the exchange rate changes?",
    "input": "",
    "output": "Gold is traded on the London stock exchange (LSE) and the New York stock exchange (NYSE) under various separate asset tickers, mainly denominated in sterling and US dollars respectively.  These stocks will reflect FX changes very quickly.  If you sold LSE gold and foreign exchanged your sterling to dollars to buy NYSE gold you would almost certainly lose on the spreads upon selling, FX'ing and re-buying. In short, the same asset doesn't exist in multiple currencies.  It may have the same International Securities Identification Number (ISIN), but it can trade with different Stock Exchange Daily Official List (SEDOL) identifiers, reflecting different currencies and/or exchanges, each carrying a different price at any one time."
  }
]