I wanted to start investing. Whether it be bonds, stocks, or any of that shape or form. I currently work at a somewhat decent paying job, but I don't want to rely just on that in saving up money for the future.
Where can I start when it comes to investing/stock market/government bonds, etc. I'm not in a rush to get rich quick, just alternatives to increase my sources of income.
I currently have about 6k in my savings
>I was an idiot and didn't save money early in life
But I know not to use it all when it comes to this.
>>1817581
Here are some recommended books about the stock market and about investing:
"The Only Investment Guide You'll Ever Need" by Andrew Tobias
"The Money Game" by Adam Smith
"One Up on Wall Street" and "Beating the Street" by Peter Lynch
"Stocks for the Long Run" Jeremy Siegel
"Irrational Exuberance" Robert Shiller
"Common Sense on Mutual Funds" John Bogle
"Common Stocks and Uncommon Profits" by Philip Fisher
"The Essays of Warren Buffett"
"The Black Swan" Nassim Taleb
"The Intelligent Investor" by Benjamin Graham is a great book but possibly a little intimidating for your first read.
>>1817753
How about when it comes down to actually buying the stocks and doing investments? I'll make sure to inform myself first before actually putting any money in
>>1817824
What about it?
Check to see if you're eligible to open an IRA (you probably are). If so open an IRA with your money. If not, open a plain old investment account with someone like TDAmeritrade (or Fidelity or Schwab or ...)
If you're a beginner, don't pick individual stocks, pick a general stock mutual fund. Hell, pick a low-cost S&P 500 fund. Put yer money in.
Check whether your company has a 401k (or 403b, etc.) If so, continue to invest via that. If not, max out your IRA. When maxed out for the year, use the regular old investement account.
I need to access market data for online retailers (like second 500) but I cant find anywhere that isn't trying to get 200 bucks from me. I just want to look at the statstics for online retail. Does anyone know where to find good information without paying? Even a book or something would be fine. Thanks.
>>1817564
Is that picture how you feel, Op?
Do the "dumb people" disrespect you?
Do women even see how thoughtful and what a kind old soul you are?
>>1817569
>2017
>defending normie shits
>on 4chan of all places
Does this make you feel accepted? Shitting on your fellow autists?
So if you live in a large city that is trying to sell itself as a "creative start-up entrepreneurial hub" or some other Silicon Valley wannabe shit, you've probably seen these shared offices/co-working spaces popping up all over the place.
I've rented one before I had a permanent place just so that I could at least open a business bank account and get things rolling because most of the bureaucracy involved requires you to have an actual business address instead of your personal home address.
The thing is from my experience, none of the people renting an office in these spaces is actually involved with anything tech-related. I met people from a community newspaper, bloggers, untalented interior designers and "marketing" professionals. None of them seemed to be turning a profit. And the spaces are quite expensive too for how little they offer. Their main selling point is how you get to network with fellow creative minds, but when it comes to amenities they're mediocre at best, except for tacky decoration that makes the whole place look like a university student bedroom.
My question is there is someone pouring an obscene amount of money into this fake rubbish. These offices are always in prime locations and rarely cheaper than renting your own self contained space just a little off the central area of the city. Am I missing something? It's like there's an entire zombie economy of startups where people just commute to these fancy offices and write on their laptops for a couple hours then go home with a smug on their faces as if they have just come up with the new facebook. Am I underestimating the profitability of these start-ups? If not, how the fuck do they get the money to place themselves in areas where usually only large banks and insurance companies can afford?
bump for interest.
as i was reading this i thought you were going to say that they were at least really cheap.
also ive never had a problem opening a business bank account with my home address?
There are multiple reasons to go to a coworking space. You're self employed and only want to pay for a desk rather than a whole office. You don't want to sign a 10 year lease on office space. It is cheaper than a normal office.
Most of the employees in the company I work for work out of a dedicated area in a coworking space. Walled office with a few people per office. I'm fully remote.
Some remote workers have kids so they rent a cheap space to get away. Or they aren't productive at home for lack of will power or something. Either way, coworking spaces are huge bsns right now. Google wework, they're killing it.
While a good idea in theory in practice these places are inhabited mostly byt the same people who go to a cereal bar and pay $5 for a bowl of Cornflakes
Don't have much cash but want to do something for my boredom. Any cryptocurrencies that are super low right now and haven't hit a peak yet? Many of these start small, hit a quick peak, then drop and plateau out back where they started.
I'm wanting to grab a couple dozen coins and hope one or two of them peak out to make some gains on.
>>1817385
Golem GNT is currently at the same price as ICO and they are shortly releasing their first iteration called Brass (i'm guessing it will be brass, bronze, silver, gold) its a distributed computing token designed to do things like graphics rendering.
>>1817402
>Golem GNT
That looks pretty good, thanks.
I'm interested in relaunch coins myself. If devs stay on it they usually get a big jump within a year's time or so and they are usually at the lowest entry price possible. I'm currently looking at xmine.
So I've been working my ass off for past four years while at uni, managed to aggregate couple grand (~7k) on my account to help finance my masters... And got a fully funded offer. What would /biz/ recommend? Funding the yehudim with setting up a savings account like a cuck? Stocks? Something better?
Picture related
tl;dr: got 8 grand how to maximise returns at reasonable risk
>>1817355
Is that all of the savings you have? If so, keep at least half of that in a savings account as an emergency fund.
>>1817358
Nah; that's on top of my savings, what was meant to go for tuition fees
It seems like all the people using this method start off with only a $50-100 dollar investment.
What variables would change if the person had capital of 5-10k and wanted to start? Would you still start with $20-$10 investments on Facebook ads? Should you use it to buy stock of a product to send yourself, rather than the customers waiting weeks for it to come from China?
pls
i have lots of capital and was just thinking of buying something already made off flippa.com
dont do flippa, try to actually build something yourself first. You'll learn a fuck ton even if you fail. most flippa shit is scams anyway. Don't cheat yourself out of knowledge gains just because you have money to burn, trust the process
fgt
How do I build credit score with a credit card? Currently my score is around 600. I was told that if I opened a credit card from wells fargo, they would report it every month as positive even if I didnt spend anything. I also bank with Navy Federal. Should I get a credit card through them?
How do I go about building credit and what should I use?
Thank you, I know you guys must get this question a lot.
>>1817301
Credit unions tend to be a little more liberal giving members lines of credit, etc. Wells Fargo has a track record of maliciousness by opening accounts for you without your permission. Get a card, charge a few items to it, and then pay it off at the end of every month. Do this for a year and then apply for another card or another line of credit i.e. car loan, personal loan, etc.
Not OP but if I've got a credit card I've had for like 7 years and use all the time, and another card I've had for about 5 years but never ever used or even activated the PIN (just signed up because my bank kept shilling it every time I talked to them).
If I cancel the second card that I never use, would it negatively affect my credit rating? I assume the card hasn't positively impacted my rating since I've never used it. I want to sign up for a different type of card with better benefits and I want more of my max credit potential to be available for that card, which I why I want to cancel it.
>My house is my retirement savings
My grandparents invested in real estate instead of the stock market or anything else. They will be liquidating everything this Summer when my Grandma retires. Total market value of their properties is about $2.2M. Total they put into the 5 homes? $190K. Gotta love baby boomer privilege. Basically everything has been easy for them. Could get about any job with on the job training. Now you need a college degree to be a supervisor at McDonald's. Could buy a house at 19 years old with hardly any job history or debt to income ratio bullshit. They were getting brand new Mustangs at 16 while we get 20 year old Civics and Corollas. I bought a house for $140K 7 years ago and it's still only worth $155K.
>>1817127
> $140k house
You have flyover state privilege
So, whenever I see a thread about some anon developing an app, he usually talks about needing funding or investors. Why the fuck is that? Isn't making an app just programing?
Sometimes you need $5/month for a VPS.
>>1816993
that's 60 a year
They want to be paid to work full-time on it, ditching a job, for this to become their income, finishing it faster than doing it in their free time otherwise.
cloudflare leaked again
have to change passwords on trading sites that use it (coinbase, poloniex)
>>1816862
Seriously
>>1816862
Are cex.io c-cex yobit or tuxexchange affected?
Muh buttcoins are totally secure and can't be stolen !!!!!!!!
>>1816611
Yup.
Wife bitches all the time. Makes $9 ina office.
"Bu-but you get man-pay."
You would too if you got off your ass and swung a hammer... the fuck.
Women are whats wrong with the western world. Pretty much any problem you see can usually be traced back to women.
Immigration, feminism, unemployment etc etc.
>>1816611
What enrages me the most is that if you carefully examine the workforce, pay, risk, spending, etc
You find that women not only earn more than men but reap a majority of the spending.
The 73 cents thing is beyond retarded.
not quite yet, tonight/tomorrow it will tho
>>1816591
Please do explain how you fucktards make sense of comparing the value of an abstract unit of currency to the value by weight of a physical commodity.
Fucking retards. Just dump your coins you don't deserve them.
How many troy ounces is one bitcoin?
Hey /biz/, how do I earn a large sum of money in a short space of time? Ethics/legality irrelevant (to a point). I'm starting with virtually nothing. Current best plan is counterfeit goods.
>>1816583
If you live by an unoccupied forest weed wouldn't be so bad if you know the right people.
7.5 billion people on earth. Every idea i have is already taken.
Well, you faggots reckon there is any /biz in contracting coi. Designs to be minted and then selling the coins?
Apparently one of you faggots is already doing this...
>pic related
Capitalism is about selling a brand backed by famous people, not about quality products or innovation.
The only geniuses that actually innovate are like the 0.1% of population (John Carmack, Satoshi Nakamoto etc)
>>1816547
So if i get a deal with a company to make bullion coins, get a few local celebs and a few atheletes to back it, i could profit some?
Through random connections i know some fairly famous people. One does direct to sci-fi movies if that counts. One owns some major tv stations. 4 are professional athelets. Etc...
Friend of mine just got a marketing degree.
If i push it could i get a few bucks over spot price?
http://uk.businessinsider.com/economist-ann-pettifor-bitcoin-money-finite-asset-currency-2017-2
> Bitcoin was invented by some big bad guys on the dark web
Oh honey, Here is an old lady, leading economist telling you why your funny internet money is a ponzi scheme and you still continue to delude yourselves.
Grow up.
>>1816491
That makes a lot of sense to me. As far as I know, the only thing to know is when to get the fuck out and watch everyone else get fucked.
>>1816540
Good goy, keep rowing.
>>1816551
i'm not disputing we are in due for a new monetary system and new reserve currency.
but it's ridiculous to even entertain the notion bitcoin is a contender.