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Hey /biz/, first time ever posting here but I need some help from some somewhat financially capable people.
I need to create a monthly budget for someone who will be living in Vancouver for a year. I will be living as a college student with atleast 3 other people, but all food and shit will be separate. Don't mind pinching and starving a bit if need be. Even if you guys can just throw me some numbers for food a month or whatever would be helpful. Hope someone here can help, need this done ASAP. Thanks guys, sorry if this is something you guys frown upon on this board, but I am desperate.
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>>1823747
Google "Monthly budget spreadsheet" and download it then adjust it for your needs and plug the numbers.
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>>1823759
Thanks my friend
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>>1823747
First off, if you're not already accepted and paid up, see if you can get in someplace else. Literally anywhere except Toronto will be cheaper. Vancouver is like $900/mo for just renting a bedroom in someone's house. If you MUST do Vancouver, go to the suburb-towns like Surrey (which is a ghetto but that's why it's affordable) or Burnaby (less ghetto, more pricey, decent amount of pt jobs to go around).
As for how to actually budget:
>food
>rent
>utilities
>transportation to and from work
>phone without data. JUST the actual phone part.
Everything else is a luxury. Pick one or two luxuries at 10-20% of what's left and put anything left over towards first paying off debt, or if all debt is paid, into a TFSA.
Without debt, invest the first 10k you make. Vanguard is a decent choice for this.
Anonymous
What sets you apart from other applicants, /biz/? 2017-02-28 03:36:55 Post No.1823651
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What sets you apart from other applicants, /biz/? 2017-02-28 03:36:55 Post No.1823651
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What sets you apart from other applicants, /biz/?
Anonymous
2017-02-28 03:36:55
Post No. 1823651
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>>1823651
that i go to r9k when i have to, you should too.
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Disabled vet. I don't make much of a deal about it in interviews but I always check those boxes.
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>>1823651
I've got a job which makes twice as much as you can afford to pay me. WTF am I even doing here?
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Nocoiners hate him.
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>>1823633
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>>1823633
>not buying the dip
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Does anybody else have nothing new to bring to the table in the corporate world, with the sole ambition of working a dead end office job with a steady salary that lets you wear a dress suit and feel like you're better than a person who actually works for a living? For me, this is the case. I have no real ambition anymore and I know that I'm too stupid, lazy, and apathetic to do anything beyond what my current work entails. Working in an office is the pinnacle of my life's achievement. My only goal is to save up enough money to go on a road trip someday and then kill myself.
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>>1823557
try r9k or trv
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>>1823557
Cool story, bother!
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Damn what a story
Waste time while you're at the office sometime by watching this Suburban Kung Fu
https://www.youtube.com/watch?v=avmqVAjEP_o&
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Who here Ethereum Classic?
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lol. You already have your answer, son. Keep moving.
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People who hate money and don't pay attention to anything.
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*autistic screeching*
Anonymous
US is the most reliable place to invest 2017-02-28 01:34:40 Post No.1823445
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US is the most reliable place to invest 2017-02-28 01:34:40 Post No.1823445
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US is the most reliable place to invest
Anonymous
2017-02-28 01:34:40
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You can invest in 3rd world countries and make a buck, but you never know if a new dictator will come and crash the economy. Very high risk is invovled in investing in shitholes. Realistically, if you want a solid long term investment, you want something that is stable, and will give you money. The US market sounds like it.
>omg anon, you can't bet only on the US market, you have to diversify and invest in international stocks too!!! Member 2008??
Fuck you.
In may 2008, months before the recession, VTI was valued at 70.11, while in march 2009 (lowest point of the recession), it got to 34.11. wow, so much for the american economy amirite lads? Surely eurofags and chinks are better than this. Let's see the same values for VEA (euro+asia). In may 2008 it was at 46.56, and in march 2009 it go to 19.97. Wow, it's the same fucking thing, hell, it's even worse.
>Well anon, you don't know what the future holds, it's better to be diversified even though you just showed me it does not change a damn thing if a recession hits
Wrong again kiddo, the US is simply way more profitable than everyone else.
Let's compare the recent (last 5 years) performance of VTI (us stocks), VEA (europe and asia), and VXUS (literally everyone else BUT the united states)
5 years ago VXUS was at 46.02, today it is at 48.56. Wow, a 5% growth in 5 years??? Such a fucking solid investment. LOL how can the inflation rate even compete????
VEA five years ago was at 33.95, today it stands at 38.47. wow, 13% in 5 years. LMAO, US fags BTFO, how will they ever recover. EU > NA confirmed XdddDDD
k, let's see how the burgers performed
VTI 5 years ago was at 70.60. Today it is at 122.25. What??? only a 73.15% increase in 5 years??? LMAOOOO, burgers are so dumb LMAO
In all seriousness, this "diversification" meme has to stop. If you invest in a US ETF you're already as diversified as it gets. If the US economy crashes, the world crashes even harder. Don't waste your money in less performing economies.
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Who is this post directed towards?
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>he doesn't know about ICSID, chapter 11 of NAFTA, UNCITRAL, etc
As much as trumpets want them to disappear international regulations are growing and will keep growing for a long time..
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>>1823457
>international regulations
>"You better not allow more than 5 micrograms of carbon monoxide to be emitted from brothels or else we'll say that you're bad! That''ll teach you!"
Anonymous
Starting investing, which stocks? Penny? Leverage? 2017-02-28 12:15:31 Post No.1823317
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Starting investing, which stocks? Penny? Leverage? 2017-02-28 12:15:31 Post No.1823317
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Starting investing, which stocks? Penny? Leverage?
Anonymous
2017-02-28 12:15:31
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Alright, i'm a 21 y/o student who earns around €2000 a month. Since i live at home,i barely have any expenses, besides food and coffee. So lets say i have around €1500 a month to play with. I recently started reading investing for dummies.
Soon going to read the intelligent investor.
Lets say i want to play around with 3000. I dont mind if i screw up with the 3000 and loose it all. I really dont. I see it as learning money
By using one of the cheapest brokers here (€6 to buy and €6 to sell), it is very hard to try and make a profit. So i was thinking, how about leverage stocks (Sprinters, turbo's etc).
They seem to make it more likely to actually make a profit (or loss).
Anyone experience with this?
Also what should i start with? Regular stocks? OIL, Gold etc? Or pennystocks?
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Invest it all in Vanguard s&p index funds and spend your time learning something more useful
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>>1823317
Invest? why not trade? Ethereum to the moon bruh!
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>>1823331
this guy knows his stuff
Alternatively, do it yourself by buying sector ETFs. You'll unironically outperform most """""""""""""investors"""""""""""" by not even touching your account
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>Will be pic related in a couple of months (as the date states)
>Dont know what to do with my life until 2018 before grad school.
So basically, I need a lowkey job so I can grow my beard and hair and bang sluts all day just like in college.
What do? I might move to San Diego...
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>>1823293
Stay far far away from commiefornia, at the very least San Diego. Place is a shithole.
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>>1823293
You aren't in college anymore, old man.
Surrender all hope. Work hard, consume, provide for gold digging whores, retire, quickly die.
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>>1824700
Please go on. Thinking about moving there. California weather is paradise. You afraid of Mexicans or what?
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What are trades and how do you make money like that? hwat? Has it worked it for you?
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(you)
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>>1823183
lets imagine a broker is basically a bank for ease of learning.
So you transfer money from your normal bank to your broker account which is, basically a trading account where your money sits. It also keeps a record of your trades (buying and selling stock, funds or etf).
When your money is actually in your broker account, depending on the broker, there could be a list of stocks you can purchase on the exchange you are using. It will list the current or most recent price update for buying one share. Lets say for the sake of simplicty, you see a share of a company called "O" for 50 dollars. If you have 100 dollars in your broker account and select O and purchase a share, you now own one share of O at 50 dollars and have 50 dollars ready for further trading.
Now shares typically have a limited amount available so when there is interest in a company when it is doing good, the value rises, and when it is doing poorly the value drops because people get afraid of what may happen. If O suddenly had a bad quarter and forcasts bad results for a few quarters people will try to sell it to limit their losses. The value drops from 50 to 45 dollars a share.
On the other hand lets say O starts paying out a dividend and had a great quarter. Now everyone percieves O as a great investment that will pay much more in the future. Everyone wants it and the price goes to 60 dollars a share.
Assuming we bought one share at 50, you could now sell it at 60 and end up with +10 dollars.
Some people watch for these fluctuations on a micro level (day trader) and to vast amounts of these trades daily by theorizing and following patterns and watching reports.
It can work but it is a high risk process the quicker you buy and sell and more stable process the longer you wait. The returns are better for companies with good fundamentals and the market is full of them. There are just as many opportunities for losses however.
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Reddit is fucking retards so I am asking this here:
Hello guys I have a question regarding an IRA Education account. This was an account with First Union National Bank. This bank was bought out by Wachovia which was later bought out by Wells Fargo.
I believe there is a considerable amount of money in this account as it was opened 20 years ago with a 500 dollar contribution biyearly for at least some time. I am further lead to believe this because I recently was accepted for a mortgage and they asked to prove my 24k IRA account, which I had no idea I even had.
I have the statements from my grandmother who is now deceased as well as her social security number. The statement has account numbers, brokerage numbers, etc.
However when I called WellsFargo today I spoke to representatives from all their departments for over four hours, but they were unable to find the account.
What would you recommend as a course of action?
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>>1823161
Is there an administrator of your grandmother's estate (i.e. a lawyer)? If so, ask them.
And I believe it's now called a 'Coverdell Savings Account' instead of an 'IRA Education Account'
And to mention the obvious, was the account not already used for your education?
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>>1823369
Hello, the executor of her will was my aunt. She gave me all of the paperwork, but it is quite old from around 2005.
No, the money was not used for my education, and I only have one semester left.
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>>1823369
Thank you for the tip about the Coverdell Savings Account they did not have it either though.
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>live close to work
>rent is $1000 /month
>live far away from work to "save" money
>rent is $500 /month AND travel expenses is $500 /month
>still end up spending $1000 /month
why is this allowed?
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Sounds like you have to start house-hacking, meng.
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>>1822870
How far from work would you have to live to increase your travel expenses by $500 a month? Jeez
I don't think I've ever paid more than like $200 a month on travel expenses, excepting vacation flights. I used to drive an hour to work every morning.
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What are some books I can read so i can get started on learning Economics?
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bump for accurate word choice
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Ha-Joon Chang, Economics: The User's Guide
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>>1822868
basic economics by thomas sowell
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how likely is it for this company to let me move from the UK to the US while still working for them
like a transfer to the US
also, what is the american impression of this company on wall st? are they up there with JPM, GS etc
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Wells Fargo is based in the West Coast I believe, come live with me and my wife in San Francisco Ahmed :)
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>>1822511
H C please no
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why are you burgers valuing mature fabless tech companies such as nvidia at 40+ P/E ratios
look at fingerprint cards
>much lower valuation
>fast growth
>dominates smartphone fingerprint sensor market
>prime candidate for acquisition - the authorities are actively investigating alleged manipulation by hedge funds - stock is probably being manipulated to bring the price down before a bid
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get the stock at a discount before it moons
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lots of cool new stuff coming out of MWC 2017
Anonymous
Dynamics NAV, AX,CRM, GP 2017-02-27 06:28:40 Post No.1822487
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Dynamics NAV, AX,CRM, GP 2017-02-27 06:28:40 Post No.1822487
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I started working as a Recruiter for a IT staffing company, they told me the hard part was finding the Dynamics trained professionals , but im having a hard time finding companies that need them. Any tips or companies that are looking for them? Just trying not to starve.
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>>1822487
What's the 2 references con?
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Pic just for show
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What is the 2 references con?