Good afternoon /biz/
Instead of shilling for some shitty crypto today I would like to raise a question about Commercial Banking. I recently was hired as an intern at a bank, and will be working with the credit analysts. If all goes well, I may receive an offer for the same role.
My question is, what are some good books that touch on this subject? Either on credit analysis or the industry as a whole?
Any anons who work in commercial banking feel free to chime in with your experiences as well.
interest bump
>>1880469
Second bump of interest
There used to be a really basic bunch of PDF's with like 'careers in banking' 'careers in accounting' 'careers in wealth management' kind of stuff, I don't think I have them anymore, but they were very useful since they covered a lot of the major players, what kind of stuff you do, further research and so on. I'd maybe chase those up and then why not ask some people at your internship for some advice on how you can learn more about the banking industry.
>Money can't buy you happiness anon.
It can't. But moneylets will never understand this.
But it can buy cars and hookers and drugs. All of which make me happy.
>>1880402
for a very short period of time, until that is your new baseline, and you're back to your bottomless pit of depression
>Bitcoin fork around the corner. NNNOOOO
Couldn't have come at a worse time. I have some things I was planning on paying with the P&Ds I got off cryptocurrency. Everything is raising at the moment, it would be horrible for a fork to happen and stagnate everything.
>BTC fork
What's the timescale for this? When will it happen?
>>1880288
any time it can happen.
because there is no democratic governance in btc.
>>1880288
Nobody knows. It will happen unannounced.
where's it going /biz/?
>>1880106
just from glancing at the chart it looks very manipulated as of late at least
its basically at this point a stock for people who believe in a super computer they have yet to expose or let alone release any scientific info on, i will wait until i see what that fucking botnet can do.
Pic related: early investors in golem who think they will be able to play csgo @ 1million fps thanks to supa cumputa
>>1880106
Once brass golem gets released we will see 10x increase easily IF it works. Imagine all those blender users with high end GPUs get introduced to crypto that will also help them render much faster than before.
https://blog.golemproject.net/golem-and-the-road-to-brass-990c6d210c8d#.f2u4k3sd4
I just invested milocoin. I consider this rock bottom for me. I want to commit suicide just thinking about it.
>>1880009
Investing in MiloCoin is probably the best decision you've made in awhile.
>>1880009
When's it gonna be on polo?
>>1880126
never
Time for a new PIVX thread
Old thread: >>1874564
PIVX IS A SCAM.
>DEVELOPERS HIDING AND STACKING LARGE VALUE
"Quote from: s3v3nh4cks(MAIN DEVELOPER) on September 01, 2016, 09:16:50 PM
We just burned the 60k at block 279917.
If you look at the Total Coins in the previous block, you will see that this block is 60k less. The coins were sent as a network fee which are destroyed.
But why network fee was destroyed and not given to miner?
Yes, at the change to PoS, network fees are now destroyed. Though it is fractional, it does help overtime with inflation, and now we can remove coins from the total coin cap if needed... :) instead of having them just sit there at an address somewhere. Thats how burning coins should work.. :) "
>BURNING COINS = PRIVATE STACK FOR DEVS
DEVS ARE THE WHALE, I REPEAT, DEVS ARE THE WHALE PUSHING DOWN THIS SINKING SHIIP
>>1879832
Thanks for the info, I was going to invest in this, but now I know this serious flaw and dishonesty in PIVX I think I will put my money in an honest project like BitBay.
Looks ponzi as fuck
I'll wait until bigger exchanges pick it up and a worthwhile wallet
>TFW you realize that money is the most important thing
>>1879674
One of the most important, senpai. Top five
>>1879674
Money in relation to time!
Time is a bigger factor.
>>1879674
>tfw you realize that you can live as a king in a third world country
ING shares (AEX Amsterdam)
Bought at 14.35. It dropped to eventually 14.28
My predictions were that it would go up.
Lowest support line was just drawn in.
What else did i do wrong with the support and resistance lines?
>>1879499
>What did i do wrong?
You believed in TA.
Idiot.
>>1879505
ta?
>Invests in stock based on TA.
>Doesn't even know what TA is.
/biz/ ladies and gentlemen
so far I have:
>education
>work experience
>personal summary
>contact info
What else do you need to include? Is it ever okay to put your age/political beliefs/birthplace?
>>1879476
>Is it ever okay to put your age/political beliefs/birthplace?
No
I remember some filipina bitch put on her resume:
Race: Filipino
Religion: Catholic
you fucking idiot. fuck living in Cuckadia with all these god damn flips.
>>1879476
Sometimes I wonder how it's even worth typing that shit up, killing a tree, wasting ink, time and effort, and being counter productive to try and impress a fat middle aged women that hasn't seen a dick near her sandy vagina in at least a decade.
Explain this shit to me.
Is it normal to get extremely horny when you make a lot of money?
I just feel like i can go out and fuck any girl i want and make her my wife.
it's normal, cause all women are whores that can be bought for money
>>1879272
/thread
that was easy
yeah, that's normal. testosterone rush. its your body acknowledging your viability as a mate.
>work at shitty 8.75/hr job in Nevada
>have shitty managers and supervisors
>me and my coworkers constantly don't get our 10 minute breaks
>it's been so bad that on multiple occasions they've threatened that anyone who asks for breaks will be sent home and taken off the schedule for two weeks
>constantly work 8 hour shifts without my second break let alone first 10 minute break
why don't you call a lawyer instead of asking a Cambodian dart blowing board?
Going to add a bit for more info
>30 minute break periods are always provided
>their reason for struggling with all of this is "'coverage"" and the amount of people we're dealing with
>supervisors hold grudges against me for asking about my breaks that they forget to give me
>in the employee handbook they say we're supposed to receive two 10 minute breaks anytime we work more than six hours
>we have literally never got a second 10 minute break
>>1879270
I'm actually waiting on a call back from one now
Currently have $27k in debt on a card with a limit of $26k. The interest rates are killing me and I can't make any big payments on it right now. I get letters from debt settlement companies that say they can get it down to like $15k and I make payments to them. I am really considering doing it.
Does it fuck your credit score up doing this? I am at 595 right now, but it's mostly due to this credit card. I already own an house and a car so I am not too worried about being denied any major purchases, so if I take a hit right now I can live with it, but not if it's like going to hit me for -100 or some shit.
Are these companies legit, or is it a big scam? I need some RELIEF.
>>1879209
>Does it fuck your credit score up doing this?
Yes, though being out of debt is more important.
>Are these companies legit, or is it a big scam?
Well they don't work for free.
The better option is to deal directly with the credit card company. Talk to them about making an offer / setting up a payment plan that you can actually follow. That's all the debt settlement companies do anyway. I wouldn't bring up that you own a house and a car though; if you have substantial assets they might start seeing it as worthwhile to take you to court.
>>1879209
>have 27k in credit card debt
Pay it off using payday loans
>>1879209
I talked to my brother who did a debt consolidation a few years back, but it was only like $10k. He said his credit score shot up 100 points once he paid it all off, but it wasn't at a discounted price or anything, just all under one monthly payment he knocked out.
He said he couldn't use any credit cards while making payments, so if an emergency came up all he had was his checking account. With another kid on the way that kind of worries me. He said he didn't know about a single card payoff method.
Do I just call the credit card company and say "I want to close my account, can't pay whats on it, whats up?"
Is a STEM career the only career path where college becomes worth the cost or is STEM just a meme?
>>1878737
I don't know anon, you tell me. Which career looks more aligned with self driving cars, self service machines, and auto landing rockets?
STEM + Chad = God
STEM + autismo = gainfully employed
>>1878737
In thirld world (Africa, Cambodia...) or less developed countries (Mexico, Brazil, USA, China, Russia...) just go for STEM. If you're in Western or Northern Europe/Canada/Australia/Japan go for what you like.
What do you sell?
How much do you make?
How long you been running?
Also why aren't you using bigcartel? Don't know why people spend nearly a hundred a month when bigcartel is free
Really? No one?
Or has anyone even previously run one?
I'm not buying your bigcartel plugin bro
>>1880445
Lol wtf do you mean my plug in?
I'm just looking after the biz community and suggesting an easy to use platform that's also free. Save your money
Has anyone here ever tried their hand at collectibles? Illiquid garbage or underappreciated asset class?
>>1878548
Like what? Auction lots and shit like that?
If so, yes. I love goin to auctions and buying stuff to fix up and resell. My margins are great. But the downside is you lack consistency in your product and sometimes it's mind-numbingly slow to move product especially if it's higher ticket items like what I prefer selling. Hello thing but I think it's killing every small business man today is price of rent. Sometimes I feel like I'm in business just to pay rent to my landlord (and I don't pay a lot for rent.) But, conversely it has been something and I've been able to do on my own and I save in regard to not having to pay any employees.
Yea, I collect cryptocurrencies. Gonna send my kids to school on these. I've almost spent as much as I did on Beanie Babies.
>>1878580
I was talking more along the lines of purchasing artwork, vintage toys, memorabilia, etc. with the intention of simply holding them for a period of years. That said, I won't object if you want to talk more in detail about what you do.