Anonymous
Student debt forgiveness 2017-02-02 01:34:06 Post No.1770140
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Student debt forgiveness 2017-02-02 01:34:06 Post No.1770140
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I have about $59k in student debt to Navient. Paying it off monthly is draining me dry, I try to pay over the monthly amount but food/rent/utilities all need their piece of the pie as well.
How do I get rid of this awful mistake, my degree (advertising) did shit for me to get a job now I'm working as a telemarketer and I can feel my soul dying.
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Start a gofund me, get a picture of a sad child infront of a empty refridgerator
"This is what student loans is doing to my child"
Watch as money comes flowing in
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>>1770140
I'm sorry, but if I told you my technique for minimizing them, then it would spread and my exploit would be ruined.
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1. Build up your credit
2. Apply for credit cards
3. Try to get your total debt amount as a credit line; make sure you get as lengthy of an introductory 0% APR rate as you can
4. Start shoving your living expenses onto it and using the actual money you save to pay down your loans
5. Once you've either paid it off or have hit a trap with the credit card interest, declare bankruptcy
6. Credit card debt will be discharged, student loan debt will be much lower, if not gone entirely
DISCLAIMER: This is technically illegal fraud, but the chances of getting caught are minimal
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>buy stocks
>no profit
>buy gold
>no profit
>buy cryptocurrency
>massive profit
explain to me how bitcoin is a meme again?
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>>1770040
People are under the impression that since it's tied to anything physically, that it's not going to be worth anything.
They had a point back in the day when you really couldn't do anything with it other than buy and sell bitcoin.
So long as people are using it as a form of payment, it has the same inherent value as that piece of paper in your wallet.
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>>1770043
>So long as people are using it as a form of payment, it has the same inherent value as that piece of paper in your wallet.
plus it's deflationary , so a better store of value... and there are people constantly working on improving it.
I sort of regret diversifying to things other than btc
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>>1770043
Nothing has value though, this is merely just a 10x better fake unit of fake value exchange bc it is deflationary, can't be manipulated.
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Redpill me on owning rental properties.
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Read the residential tenancies regulations in your area, if they heavily favor the tenant you shouldn't get involved.
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>>1770036
african americans
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Only good if you're already a richfag.
Living in a mortgaged home, and taking out another mortage for another home purely to rent out and rely on the house price increasing, is usually only feasible in a bubble/australian tax conditions. Even then, in a bubble the only real winners are people that get in early (boomers), and the banks.
It's also a house that people will live in, and not a straight out currency investment like a stock. You have to invest your attention into it's maintenance or pay property management fees.
To reiterate, it's feasible if you're already a richfag, and the environmental conditions are in your favor. Otherwise it's far easier to invest in business and stock.
Anonymous
Value of stocks without dividends 2017-02-01 11:15:51 Post No.1769953
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Value of stocks without dividends 2017-02-01 11:15:51 Post No.1769953
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Value of stocks without dividends
Anonymous
2017-02-01 11:15:51
Post No. 1769953
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It seems to me that the real "value" of stocks is quite weak. You "own" part of a company, but what advantage does that actually give you?
* Voting rights [irrelevant unless you're a huge player]
* A pay out if the company is sold [irrelevant unless the company is sold]
* A share in the company's success (dividends) [most stocks do not provide this]
This leads me to think that dividends are the main thing that really gives value to stock and ties stock prices to the health and wealth of a company - a more successful company can pay higher dividends.
Now, the interesting thing is that most companies don't pay dividends. Why do people still own these stocks? Well, for capital appreciation... that is the fancy term for "other people will pay you more for the stocks in the future because they hope someone else will pay them yet more, and so on". I guess the ultimate rationale fueling this is (or ought to be) that there will be huge dividend payouts eventually - when the company is finished growing - that make the long wait worthwhile.
But something about that makes me uncomfortable... isn't it awfully reliant on investory psychology (ie. speculative)? Aren't many of these companies going to squander all their success or take it for themselves, leaving little behind for the patient shareholders? Won't the ones who are holding the ball at the end eventually be the losers - from them come the gains of those before them, not from the company itself.
One has to wonder at the stock of a company like Google becomes worthless. A ton of money is invested in them but does not pay dividends. What if everyone found out that they would never pay a dividend? Then its value would have little grounding in reality... it would be entirely speculative.
TL;DR: Are stocks wrongly valued because of investor psychology?
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The value of the stock isn't speculative when it represents a real share in the enterprise. If the company never paid a dividend and hoarded the cash forever then the price of shares of the company would increase to account for this each year, in theory.
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>>1769953
I was thinking of this the other day. My conclusion is that the shares are basically useless to a retail investor, but to a huge institutional investor, they can get a seat on the board of directors and direct the company to pay dividends or anything else.
So the big buyers will buy your shares like anyone else. You basically just hold an asset that is useless to you, but has value to buyers who can use it.
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>>1769953
All stocks are speculative paper with very little to do with profits or fundamentals. So you are correct at some degree, and yes, most people have been lied about markets in general for a long time. It's rather funny everybody got it wrong, even majority of so called professionals.
Even if the paper pays you dividend the paper devalues the amount of dividends. The purpose of dividends is to offer a steady cash flow, which funds, for example pension funds require.
If you are a small company you would not like to pay dividends instead keep the money or buy back, small investors therefore dodge paying dividend tax
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I have a Facebook account with 459 people mostly black and full of shit with black wisdom crap , was a troll account but want to sell it, how much is this crap woryh
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>>1769923
>459
Worthless
If you don't have a following of 50K+, you're wasting your time.
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>>1769923
You could maybe get a dollar if you can find a dumbass.
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>>1769941
Sounds like he might be able to make $459 then.
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>Another day wasted on 4chan when I could have been doing something productive or making money
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what ideas do you have to make money, maybe I can help pep you up
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>>1769644
running a criminal botnet where I steal normies' financial institution information to make fraudulent transfers
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>>1769651
If I you were even close to being capable of doing that you'd already have a decent job.
Apply yourself or kys.
Your typical 21 year old son to a single mom anon here.
Finnished my a-levels about a year ago, applied to a random university for a random bachelor's degree and quit after 2 weeks.
I've grown content with living a rather minimalist life, dumping my precious time into shitposting, lurking and VIDEOGAMES.
Is there any hope left if I am just trying to live a semi-NEET / shut-in life?
I started sending out applications for an apprenticeship in a trade, but I worry about not having the work ethics to work a 40-hour week. Might just bite the bullet and do my 3 years of apprenticeship anyway so that I can atleast work part-time, doing stupid IT shit like managing networks, perhaps even move to the US.
Life hasn't been too kind to me thus far, and it's only going to get worse(presumably), so I'd appreciate a little bit of indulgence.
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Get some initiative and stop thinking oppurtunities will fall to you.
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Final bump, please share some advice with a desperate anon.
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>>1769587
Pathetic. Working 8 hours a day is hard? Grow up.
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who /pursuinganMBA/ here?
I'm studying for the GMAT right now and planning to apply during round 1 in September
pic related is the dream for me, but a little worried about my age (28 now, would be 29 and then turning 30 in october IF i get in and matriculate)
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28-30 is average, which means that you'll have people up to 70 years old in your class. Honestly, masters in areas that require soft skills (e.g. business) are far better when there's a breadth of ages and experiences in the class.
It's not like bodybuilding or something, where being older is unavoidably bad.
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yeah i thought about it
some of my retarded friends are at uChicago and Georgetown etc
but since i did it for undergrad it'd just be an expensive cirlcejerk
considered taking the GMAT and seeing if i scored near perfect but seems like a waste of time
shit seems overrated for today's economy. just get a fucking job
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>>1769547
Do you have lots of job experience? If not you have 0 chance.
>mfw ICN is turning to be the best project/ICO since ETH
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>>1769536
When did you buy? it has been stagnatin in the 420 satoshi range for a while. I still didn't but I might, even tho I can't trust some random eastern europeans managing some unregulated trust fund.
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>>1769536
Btw, Byteball is mooning and ICN token is still the fucking same even tho ICN apparently bought a big chunk of GBYTEs... whats the point of holding ICN then? might as well buy the altcoins yourself and profit from the sharp rises. ICN is doing shit nothing-
https://coinmarketcap.com/currencies/byteball/
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What are the ads that you guys run for your dropshipping store? Yall just make one in photoshop and put a catchy phrase over one of your products right? What are some strategies? How do you get your ad on certain websites? How much does it cost to run your ads how do you figure out if its paying for itself?
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bumping for interest and epic justice lol
I started using Kit and ive had like 2 visitors who looked at 3 items so far
what do?
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>>1769523
Will gimp work as a good alternative to Photoshop for making ads?
Also, what's the best way to get your first shop going?
I'm new to this too, OP.
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>you fell for the physical gold meme
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>>1769229
try r9k
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>>1769229
How much do you have? I have a 1 oz Krugerrand, so I'm not that mad about it. Feels kinda neat to be able to hold actual gold.
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>>1769229
What meme? Gold is doing fine right now. What kind of expectations did you have? Gold is the same as it has been for the last decade.
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Which programming language is better to master for the finance and the corporate world: Java or Python?
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>>1769141
its not about programming language if you cant program
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Vba in excel.
Don't get ahead of yourself, finance monkeys still use excel and knowing Vba is like inventing fire.
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>>1769141
Rust is picking up
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If I have like 50 million why should i invest it and risk losing it all very scary bros mo money indeed mo problems
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You risk losing it all anyway. You might as well try to get some gains.
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>>1769093
You'll lose it anyway. It's called inflation. Also banks and governments can fail too.
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>>1769217
Lmao nice meme
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>since I started browsing /biz/
seriously, fuck you all.
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>since you started compulsively betting
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>trading stocks
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>>1769016
This is only partially true
A game creator
Hacer un videojuego 2017-02-01 07:40:29 Post No.1768487
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Hacer un videojuego 2017-02-01 07:40:29 Post No.1768487
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Hola , seme ha ocurrido hace poco hacer un videojuego con el motor grafico de unity 3d , Como yo no se casi nada de esto mas que poner algunas cosas , estaba buscando unos cuantos expertos en sus respectivos Teemas , 1 , diseñador grafico, necesitare 2 o 3 diseñadores graficos , para crear el personaje del videojuego , los ecenarios de juego, y Otro para los extras , como armas , vehiculos y demas. 2 Progamadores expertos , mas que nada en java script, Para crear los patrones de movimiento , aLas acciones del personaje , movimiento etc.... y por ultimo, 3, animadores , devido a que los programadores haran los Scripts para el movimiento , el animador hara los movimientos , las Ecenas , los movimientos de boca y demas , espero su ayuda para este proyecto , Atentamente ,Un usuario de 4chan :D
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>>1768487
TE JODE
Enviado desde mi Nintendo Switch a través de cuck-a-talk
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Estas baiteando verdad?
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>>1768487
I'll make the logo