If I get a degree in mathematics will statistical software and computers in general make me obsolete?
>>1015136
Sure
>>1015136
Fuggin hegel.
http://www.npr.org/sections/money/2015/05/21/408234543/will-your-job-be-done-by-a-machine
So /biz/ what is the outlook of silver bullion?
It is currently trading at a spot price of below $15 per ounce so has pretty much plummeted from its high in 2011 of $50.
With the slowdown in the Chinese economy, low price of oil etc commodities are getting hammered.
Too add to the trouble the Federal Reserve interest rate hike this month to 0.25% will most likely push it along with gold further down in 2016.
Will silver ever shine again?
>will silver ever shine again?
Of course it will. Eventually.
If we could get rid of welfare, unemployment and food stamps, universal income could probably come out to a similar cost. Also if someone makes more than let's say 12 000 dollars there would be a cutoff of the universal income, this could work? Also everyone could feel safe and free and do stuff they really want and not lose their potential to a brain dead job.
>>1015086
The whole "Basic Income" idea could work, under certain terms. I'm against it as a whole but it could word. Namely if there's no cutoff, there's no reduction or increase, and it goes to absolutely everyone.
The main appeal is younger kids (I'm 26), as we'd block them from accessing their payments until 18. Now they can pay for college on their own and graduate with no debt, so they can spend more in their early adult lives and get houses/better cars/any consumables sooner and more often. They can also choose to skip college entirely and use their 18 years worth of basic income to start a business, which is healthy as fuck for the economy. Either they succeed and become job creators or they fail and their money was redistributed to services that help people create jobs. On top of this, everyone else who has their shit together collects basic income as pure cash, while those who don't must use it for health insurance, rent assistance, child costs, etc.
Wealth redistribution is shit, but if done right (no loopholes, pure gains, same to everyone), it can have much better results than the current system of "free healthcare" and sponsoring hispanic/black brood mares that many countries currently implement.
so im wanting to patent a thing.
Can i take an android device load up some apps open source and add my own things and then refit it into a homemade case to fit a certain purpose and then patent it as a new thing?
The reason is that the patent with my name on it will be insurance in case my friend decides to try and fuck me over.
I already keep notes on how everything will work and can make up a good design for the prototype. I can draw it too.
>>1015031
You'll need 30k for the patent and you're a poorfag so stop right there. Edison was already rich, Tesla wasn't, so Edison got all the patents, wealth, and fame while Tesla was shit on until he died and then nobody cared for another century until reddit decided to exaggerate his ideas.
Inventions aren't for plebs.
Wouldn't that conflict with google cardboard and any other vr tech
>https://personal.vanguard.com/us/funds/snapshot?FundId=1758&FundIntExt=INT#tab=3
This fund has a purchase and redemption fee of .25%. Or I could just purchase an ETF of the same fund. Using Robinhood, I can do that for no cost.
The expense ratio of the ETF is identical to that if I purchase admiral shares in the index fund.
Why would anyone purchase the index fund, when you can just purchase the ETF instead, pay the same expense ratio, and avoid the load/redemption fee?
I wish I knew what the fuck you were saying.
How ETFs and mutual funds are different
ETFs
MUTUAL FUNDS
Buying & selling
ETFs
You can only buy and sell ETFs through a brokerage account.
Expand your portfolio with a Vanguard Brokerage Account
MUTUAL FUNDS
You can buy and sell mutual funds through your Vanguard mutual fund account.
Trading & pricing
ETFs
You can trade ETFs on the major stock exchanges anytime during the trading day. Their prices will fluctuate throughout the day just like stocks.
MUTUAL FUNDS
Mutual fund shares are priced once a day after the markets close.
Transaction costs
ETFs
You won't pay any commissions to trade Vanguard ETFs in a Vanguard Brokerage Account.*
There's an unavoidable cost when trading individual stocks, bonds, and ETFs known as the bid-ask spread.
MUTUAL FUNDS
In most circumstances, there are no transaction costs when you buy and sell your mutual fund shares at Vanguard.**
Automatic investing
ETFs
There's no automatic investment option for ETFs.
MUTUAL FUNDS
Invest your savings on a regular schedule by moving money directly from your bank account into your Vanguard accounts or set up automatic transfers from one Vanguard fund to another.
Put your savings on autopilot
Minimum investment
ETFs
You can buy an ETF for the cost of a single share, which can vary throughout the trading day.
See a complete list of Vanguard ETFs
MUTUAL FUNDS
You can invest in a Vanguard mutual fund with as little as $1,000.†
See a complete list of Vanguard mutual funds
Is it true that diabetes related stocks and investments are the boom of the future?
Right now. Baby boomers are the most unhealthy demographic currently existing. Mortuary-related commodities and health care are your bread and butter.
Coffins carry money.
it's too late to get invested in health care or insurance
although the industry is still growing
How do I make money while already having a minimum wage job. I am willing to work hard and long. Give suggestions please. No shortcuts, just real, legitimate, and legal ways.
Indie game development.
>>1014995
Pray to God on your knees every night
>>1015012
name?
Does the day-trading working can replace a regular job?
Day trading is what you do with the money you get from your job. It doesn't replace it.
I work for a FCM. Most profitable "day traders" are of retirement age and don't make quite enough gains to live off of. I assume they just trade for a hobby but don't quote me. The accounts that make >6 figures are literally 1 in 100,000, at least of the accounts for our brokerage.
10 to 1 OP is an Indian and posted in earnest
Does anybody else keep a spreadsheet of earnings to keep track?
I'm halfway through updating mine and it's great to have a clear path of where I'm going.
Once I add in bonuses I might even break 10k savings this year (yes I know I don't have a lot but I'm 21 so fuck it)
I track net worth rather than just savings. How are your expenses the exact same every month?
>>1015023
They're not really, but I always round up to rough averages so when it gets to the end I have more than I planned for and live a bit better within my means
How do you track networth?
>>1015120
It gets to a point where it's impossible to track. My net worth easily changes by £100s per day due to stock market movements. Not really a concern.
Average Lego set has increased in value 12 per cent each year since the turn of the Millennium, providing a better return than mainstream investments.
http://www.telegraph.co.uk/finance/personalfinance/investing/11817380/Lego-a-better-investment-than-shares-and-gold.html
This made my day
>>1014905
Lego had no IPO
Please state your oil price prediction and why.
I think next year it goes to $70 a barrel because of the lack of new investment and fracking wells don't last very long.
$20 a barrel due to oversupply
>>1014882
It'll stall at $30 per barrel for a year or three, drop to $25, and start pushing way the fuck up to $40 for a year and keep climbing until they hit $70 where it'll start a loop of raise/drop between $50 and $70 over the course of a few years. It'll stay in that range for decades, minus the inclusion of inflation adjustments.
>>1014882
it'll probably creep back to 50, maybe 60, people will start to think it's stabilizing or even heading back to 100, then the global market jitters start up again, plummets to 25, the donks on /biz/ will be running threads on how they're going to buy it for $5/bbl then it'll head back up towards 50-60ish and actually stabilize
my boss offered me to lend me any amount i need to inverst in anything i want
give me ideas
>>1014829
No, and no he didn't.
>>1014829
What could possibly go wrong
Invest it all in cheap memes and rare pepes
I just turned 23 and am looking to buy a house. I've rented for the last two years. I don't have a lot of money saved up and wont really be able to put a down payment until I get my taxes/work bonus in Feb. How do I start this process?
Here's one thing you need to know, put down 20%. I believe they changed the rules a few years back that if you don't put down 20% you have to carry private mortgage insurance the life of the loan. When I got my mortgage it was a minimum of 5 years and you could drop it when you reached 20% equity. Like I said though I think they make it mandatory for the life of the loan now. For a 200k mortgage it would add about 200 a month to your payment. Over 30 years that's an extra 72k you could have put in your pocket.
>>1014777
At least 20%.
Otherwise, best post and epic trips.
If this puts you in a position where the house you buy might be cheaper or smaller than you would like, just remember that it's better to be happier in a smaller house than a beggar in a large one.
>>1014777
It's not for the life of the loan just until you hold at least 20% equity in the home.
Hey /biz/, I'm looking for some perspective here. 23 male here, graduated from a decent uni in STEM, but the only solid career prospect I have is to be a science teacher for high school level or below at a decent school district. My problem is I (at the moment) don't really have the patience or the confidence to see myself standing in front of a classroom all day. I know for a fact that I could bear with it if I absolutely had no other option and really needed the money but at the moment that's not the case, hence why I'm still deciding.
So my question is: when deciding on a career/job, how do you stop yourself from thinking about picturing yourself in that job as you are right now (in my case introvert and insecure about a lot of things) but instead picturing a "better" or just different version of your current self at that job. Does anyone have any stories of how they were able to successfully change who they were in order to be good at a job you didn't think you could do? Is there any merit to "knowing yourself" and sticking to where you know you'll succeed or is it always better to expand yourself even if it would make you miserable for the sake of economic advantages?
How did you end up with only those career prospects after graduating from a decent uni with stem degree
>>1016023
I would suspect that like my mother, he went to a college in a more rural area and is unwilling or unable to relocate.
>>1014724
I am in a similar position. I would rather become a teacher though than be someone stuck in a cubicle all day
Sup /biz/
If I wanted to start selling clothes on bigcartel or etsy with pictures of cartoon characters on them, would I get into trouble for copyright infringement? The reason I ask is because I see a lot of people doing it with relatively small clothing lines (some of the people I know personally) and the only reason I've never done it myself is because of copyright infringement.
I'd hope to make this a side business run from home that brings me in some extra pocket money.
>>1014711
If said business is located in China, you're free to go.
>>1014711
It's considered unlicensed merchandise. Etsy will take it down if you get caught. I believe the odds of being caught are quite small, especially if it's small time stuff.
If you're selling shirts with actual artwork done by official artists, then yes. However, if you're making your own unique graphic designs and not featuring trademarks then you'll be fine. There are more than a few artists out their selling their own shit based on known characters. Just be aware that if a company owning the IP DOES have a problem with it they can ask you to stop at any time. Disney in particular has been known to be especially ruthless in this regard.
