Archived threads in /biz/ - Business & Finance - 895. page
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Can we discuss starting to get donations from stupid retards like the Missouri University meme thing and Paris and such?
Something like:
>Not all Muslims are terrorists! Please donate money in support of the rampant Islamaphobia that Muslims experience because of a select few, we are donating this money to a refugee charity
Can't you just make a "charity for refugee children" but then just pocket all the money in theory?
smdfh
>>962526
Illegal pretty much everywhere.
It's okay, OP. I considered giving you money but made a donation to the Human Fund in your name instead. God bless.
Are manufactured homes good to live in? I know they are depreciating assets, but are they cheap on utilities, easy to maintain, etc.?
I'm about to turn 22 and have $50K saved up and it's time to move out of my parents house (they want me to move out by this time next year). I want to buy a trailer in cash so I don't have to worry about monthly rent or mortgage (also because I'm self employed and have an irregular income).
I don't think I can afford a brand new one, but maybe I can buy a <5 year old one for $20-30K. Where should I begin...
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http://www.amazon.com/Car-Living-Your-Way-Practical/dp/0964957337
>>962495
>greatest country in the world
>>962506
http://www.amazon.com/Oppressed-Butt-Inclusive-Holiday-Coffee-ebook/dp/B017UW5POQ/ref=asap_bc?ie=UTF8
Must read.
>be pretty good at writing
>have ideas for niche-based books(mostly fiction)
>write and publish one every few months and spread it around
>invest some in marketing
>live in cheap asian country from the passive bux
Rate my plan?
>>962440
how do you get a visa to live and work in cheap asian countries doing this shit?
last I checked you need to fit their needs and have qualifications to move there
>>962444
I was thinking just travel around and alternate between countries(Thailand, Vietnam etc) with temporary visas. May sound like a bum to /biz/ but it's honestly my ideal lifestyle, just be semi-comfortable and explore on passive income.
>>962445
>Thailand, Vietnam
Lazy degenerate thinks marketing is as easy as "spend money, receive sales."
How do you pay off a credit card?
>just my first one ever (back in September)
>it's an Amazon Rewards Visa
>have accrued a $1000 balance
I can afford to pay it in full whenever, but I've heard you should make monthly payments for 6 months, then pay it in full. Can anyone shed light on this?
>>962406
I thought you are supposed to pay it off in full within the payment time. Credit cards have a monthly loan interest of like 30%
What's your monthly income? Debt/Income ratio can be quite telling. I would recommend paying it off at a rate higher than the minimum, but don't just kill your savings in one go. Double minimum tends to work pretty well; just pay 2x the minimum payment. For you, this will probably be 75/month. Considering you will probably only be paying 25 dollars or so max in interest per month, this will be good progress.
Op, just keep doing what you're doing. Don't worry. You're exactly the kind of consumer America needs. Make minimum payments, for the rest of your life, on that debt that's growing at around 30% each month. Just don't default.
Hey /biz/
I've been lurking here for a while, and I've always been wondering why bubbles occur in economics. Could any one tell me in a simple way?
Thanks in advance
>price (of whatever) goes up
>people see price goes up so they buy it
>because of this price goes up even more
>repeat for a while
and then usually after a while someone will realize the price doesn't even remotely reflect the true value of whatever, and start to sell, and then everyone sells and the bubbul is poppd
>>962351
Because there must always be a Lich King.
>>962351
In part, greed. The economy wants to continually improve. Companies want to continually improve. Individuals want the same. On an upward trend of profits, when an economy, a firm or an individual starts feeling friction, what do they do? They try to defy gravity, the opposing market forces. This might lead to increasingly unethical and more risky behavior.
>2008
>banks: Well guys, looks like we've lent to all the credible people already... should we...
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What are the most /biz/ haircuts? What do you usually ask for when you go to get your hair cut f.am?
Should I get it cut like the madmememan? Do I just ask for the cukkold cut or what do I say?
I usually just cut my hair on my own either buzzcut or high and tight.
>>962349
Christian Bale
>>962355
I don't have wavy hair because I'm not a faggot though.
Come on guys, anyone?
Hey /biz/ I from the eastern European balkan states. And i have kept reading about debt, credit scores and what not.
> What is this credit score?
> Why americans(it seems) always use credit cards? And multiple.
> How do you pay your stuff if you have to always use credit to buy stuff. I mean you don't own the money and your income is not large enough to support your life. Why do banks keep giving you credit when they know you can't pay up?
>...
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>>962336
The difference?
For smart people - at the end of the year, the CC company will give you cash back on money spent. E.g. 1% - 3% on good ones. You spend $1000, you get $30 back. So it makes sense to use CC for purchases.
For dumber people - a way for instant gratification.
By the way, kosovo is serbia, right?
>>962336
It's just a meme that gives you some rewards for how much you spend if you pay it off on time.
Credit score is for determining how reliable you are on paying back money after borrowing it.
Also why are Estonia girls so qt? How much money do I need to be able to kidnap myself a gf from there?
>>962338
>You spend $1000, you get $30 back. So it makes sense to use CC for purchases.
>Playing chicken with a 20%/y debt for a measly $10-30
Some stupid shit right there.
Is this one of the smartest business decisions of the year?
>original release date of XCOM 2 around the date of Fallout 4 (which is now battling Dota 2 for most played game on steam)
>decide to release it 3 months after when virtually no games are releasing to PC and the hype for Fallout 4 finally dissipates
>decide to suspend most news about XCOM 2 only releasing a few bits and pieces to keep the hardcore fans following
>in addition gives them time to...
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So you're saying waiting to polish can make a product release better in the face of hyped competition? Now, where have I seen that before?
>>962281
Considering I didn't even know there was an XCOM 2 coming out, and that I am part of the demographic they'd like to target (early 20 year olds with lots of disposable income), no it was not a good idea
>turn based
as if any fallout fan would care about it.
>Buy and hold on index funds
>Responsible, safe investment option
I don't think so buddy. Index trackers are as fucked and volatile as the rest of the market.
>does not post total return index
>does not understand what long term buy and hold is.
>extrapolates and magically no new high is set in the future like it should based on the past data.
Pls stop trollan newfriend
>>962274
>does not post total return index
look at hypothetical growth of 10k and you'll see that because of the two crashes, unless you invested and withdrew during two small windows of opportunity, you will have lost money
>does not understand what long term buy and hold is.
the market is so volatile even if we're talking about 10+ year investments it's still not guaranteed returns
>extrapolates...
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>>962266
To make it really simple for you.
If you were oldfag and had a kid in 1995 and invested $ 10.000 dollars in the S&P500, that spoiled shitkid would be in university now with $65000.
Hurr durr muh inflation. Inflation adjusted that still turns it into $41250
Hey /biz/,
While dating, how do avoid financially retarded people like pic related? Basically, at which base can I ask her for a bank statement and credit report?
>>962165
It's easy to inject credit cards into a conversation. After you've been chatting a few hours try to get on that subject, then ask her whether she pays her credit cards off in full each month. If she doesn't just turn around and leave. Block her number and delete any details you might have on her so that you aren't tempted.
As an aside, avoid anyone who plays the lottery or does any other kind of gambling.
>>962165
The biggest red flag is if she always running out of money and having to eat nothing but ramen for several days before getting her next paycheck arrives, same thing if she can't afford to pay her phone/electricity/rent bills until they're overdue.
A slightly smaller red flag is if she frequently buys junk like new clothes and fancy electronics with her credit card, in my experience people who do that usually have at least twice as much debt as they think they do
>>962165
You should be able to tell right away if someone compulsively spends money, I mean all women compulsively spend but if she had a stable father there's no way this could happen. I mean how do you date someone for more than a week without realizing this
I sometimes feel myself becoming brand loyal. I hate this. How do I stop it?
>>962138
Maybe you should try other brands
>>962139
/thread
Wow
So Russia is sending 150.000 troops to 'fight isis', a.k.a. claim a huge load of oil and gas.
What will this do to the price of oil?
Does this action leave any opportunities for investing?
>>962121
It will allow them to build more Russian suburbs like the one in your pic
I don't think it will do much. Most of the major oilfields in Iraq border Kuwait or are in Kurdish areas. Iraq only produces 3% of world crude anyways.
We have an over supply problem that is causing pressure on energy prices. Any action in the Middle East is likely to be seen as a potential to restrict supply. While we have OPEC not restricting supply further we will unlikely see any significant reduction in global stockpiles. Should supply be restricted we would no doubt see Shale Oil from the US be increased with the rise in prices restricting the upside value. All in All we need to either see a significant blow to oil producing countries that would limit supply, or a massive shift in demand that would cause demand side pressure....
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What is your goal? Why do you even care about your Finances? Why don't you just take on mountains of debt? You're going to die someday anyways, so why live within your means? Why buy a car when you can Finance it for 8 years and pay 2% interest? Why buy a house when it will take your entire life time to double or triple in value when you can buy a Bugatti that will double or triple in value within 1/3 of your life time? Why try to beat the system, why don't you just go with the flow and become what the system wants you to become? Why must you be so different?
A question similar to this came up in one of my lectures today /biz/, and it got me so riled up, I wanted to flip the desk and throw chairs at some of the answers some students were giving. These people actually agreed with this, and said people who are trying to get out of debt or be financially stable, are a burden on the system, they have too much money and they should be sharing the money with the 99%. Some of my classmates said that they believed that everyone should get a set amount of money per year and live only off that and that wages should be capped by the government. They went so far as to say everyone should live in group homes so there is a greater sense of community and that all luxury cars should be banned because they pollute the environment and are only attainable by the rich which is totally unfair to them.
I couldn't take it anymore so I said the Porsche 918, the McLaren P1, and the LaFerrari as well as the Koenigsegg Regera all pollute as much as a Prius, sometimes less. They have amazing performance, and cost more than a million dollars, some even more than 2 million. Some students got so angry they actually told the Prof I was being a bigot, and the Prof actually told me not to share my views if they were so detrimental to the discussion at hand. I told the Prof that I was done with this hatred I'm seeing here against the wealthy and intelligent individuals that make...
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I understand, it's humiliating to be booed out of class and have your professor say mean things. That's not right.
Just keep on going down your path. It's not candy land out there and people are going to hate on us. Are these people worth your time and possible resentment for bludgeoning them to see your side? These are your possible clients, employees, investors, lawmakers, bankers, anyone who could help you succeed. We all have our own opinions. Are you running for public office of the rich peoples party? You don't need to espouse anything to the...
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>>962055
>colleges full of communists with zero real world experience
More news at 11
Did y'all know that agriculture is one of the highest in-demand jobs right now and that there are on average 2 ag jobs per graduating student every year with a median starting salary just under $60k?
Are you surprised that nobody wants to move to bumfuck Iowa to take these jobs?
http://www.kunc.org/post/there-are-jobs-ag-there-s-just-not-enough-new-grads-fill-em
Agribusinesses are losing money because nobody wants to work in the middle of nowhere, even if they're offering some of the highest starting salaries relative to cost of living. Coupled...
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Pray to Jesus
Take it urban. feed 50 families off 1 acre https://www.youtube.com/watch?v=jSNc13cmknE
60k sounds like peanuts compared to what a big fram would be losing. Just make it 200k, people will come.
For something like this:
https://www.nzx.com/markets/NZSX/securities/FPH?icharts=true
At face value it seems like a lucrative industry. Upon checking the balance sheet, income and cashflow statements, everything seems to be fine and in order. Whats the catch though?
Every time I seem to find something good, I get suspicious
Tbh help senpai
>bare chest
>no nips
>>962158
pls anon stay on topic
bump of sadness
