> Login to Sallie Mae
> See my interest rate went up AGAIN
> Last week it was 8.75%
> 9.125% Interest Rate
When do I just kill myself?
What a nice example they give....
My rate has nothing but been higher every year.
>>1699292
Stop taking out loans when you have no clue how to leverage debt.
>>1699297
leveraging debt is easy. take out any loan at any annual interest rate up to 30%, and buy bitcoin.
Story time.
> Finished high-school at 18
> IT universities are shit in my country, teaching you old shit nobody uses on the job
> I go in a Cisco Academy for 5 months.
> TFW the course is slow as fuck and seems made for retards
> Finish studying everything in 1 month.
> Got certified.
> I like the field, so got my CCNP the next month.
> TFW I was more certified than our instructor and knew more shit.
> Finish course, get a job, work for 2.5 years.
> Move to Ireland, start to work for _top company_
> Make 85k a year
> 25 days of vacation
> Just made 23 y/o
When I was little I didn't have friends, or, at least, no "friends" that you could call at 3 AM because you are in the middle of nowhere with a dead hooker on the back of the car.
I had a girlfriend at 17, but she broke up 1 year later.
I decided to focus on my career as social shit will come after.
I am now living comfortably, working on interesting stuff, but am lonely as shit, depressed and with no motivation to keep improving.
Why doesn't money make me happy? If _now_ I am not happy, what makes you believe being a *lionair will make you happier?
Can somebody please give me a solution here.
>>1699206
>le lament of Alexander~
Kys you'reself.
>>1699220
>>1699206
My advice is to think about what your wildest fantasy/dream job is, and start learning or doing it as a hobby.
I always wanted to become a musician, so I just started pouring all my free time into studying music and pop culture.
The downside is that my grades started slipping, because at the same time I was working a part time job but had to do 40 hour weeks (restaurant so no benefits)
I started to realize how much of a meme college was. I dropped out and moved to another part of the country to focus on music more
I couch surfed with a friend for a year while trying to make music happen, but I realized I was years away from any kind of success (10,000 hour theory) so I started to have an identity crisis
I felt like I threw away life by dropping out, but the degree I was in was worthless anyways, and I was years away from being a decent musician
I start pouring out to my dad, and he suggest to me I join the military like he did at my age. My family history is primarily life long veterans on both sides, so the US military is kinda like a family business at this point.
No one in my family is financially free, my dad is the closest to that, but both sides of my senpai are from very very poor, rural parts of the US (northern California and Southern Louisiana)
That means not very many connections to wealthier families or wealthier, metropolitan areas.
Basically military is the way to go. I'm 21 now, and I will be able to catch up on my studies, while getting experience in a more relevant field. I should be able to get at least a bachelor's, if not a master's by the time I can decide to retire or stay in.
This means I could become a doctor in a relevant field by 30 y/o. A lot of people on this board bitch at military, calling them wage cucks or mindless soldiers, but the truth is, I would rather serve and risk dying for my country for a few years while upping my skills and knowledge.
To me the military is the logical way to FIRE
Hi /biz/,
I figured this is something you guys could answer better than /sci/, so here goes:
Are there any forms of trade increases that may lead to an eventual shrinkage of the economy? Isn't more trade always good?
A eventual shrinkage, yeah, I mean this includes basically any unsustainable trade practice. If OPEC nations were to, for example, dump all of their reserves on the market at low prices instead of controlling exports.
>>1699221
Why is that unsustainable, environmental issues aside?
>>1699258
Lack of stock oversupply
Who is on a bigger suicide watch, Ronda Rousey or nocoiners?
Overhype much? I hold some coins but this is just silly. It's a step in the right direction but it's not like MS are integrating it as a payment method into their store platform.
>>1699120
It's a bubble and you know it. Given the size of this one, I'd say it's going to last until summer, but then it's going back down to $600 and all those bagholders you're trying to stir up are going to get wrecked.
>>1699120
fuck to the yes, nocoiners literally commiting suicide and screaming "MUH CRASH"
OK, /biz/ - I'm a financial retard who decided to take the Jew approach to investing. 1/3 net worth into real estate, 1/3 net worth into the stock market, 1/3 net worth into precious metals. I have a few questions regarding this practice:
>Is REtipster a reliable real estate advice blog?
>What are some good resources for reviewing earnings reports?
>Is TD Ameritrade a lucrative investment vessel?
Thank you in advance for serious answers and bumps.
Personally, I'd go 50% into RE and 50% into an index fund. I never did understand precious metal investing, I always think of goldbugs as irrational tinfoil hat "Smeegles" with "my preccciioouusss" gold in some safe deposit box or under the floorboards in case of an invasion from North korea or some other bullshit.
Never heard of REtipster before, but you may want to check out biggerpockets.com.
I can say from experience that TD Ameritrade is pretty okay. They keep their bullshit to a minimum from what I've seen thus far. They have good programs and apps for desktop and phone trading and have pretty top notch research available to you as far as brokers go.
Get some money in cryptos, bitcoin, ether, monero, zcash.
The returns are too good to ignore
T. Half jew
Lets say you have $500 and up to 2 hours a day on weekdays and all day most weekends to start a business. What are some legit no meme bullshit business ideas worth pursuing that don't require a specific skillset/expertise or one that can be learned through building the business?
I hesitate to suggest it, but you can start wholesaling. It's a tough gig, though, depending on what your local RE market is like.
Around my area, there are a lot of people doing it.
You can't run a business part time.
Can't run a business part time m8. But if you want to do something from home, dog sitting. People pay a lot of money for that shit.
Scenario: you worked until your 50's/60's and invested wisely like a good boy. You just retired formally and you are never looking back. At a quick check-up before you and your significant other take a trip to Bora Bora you go to a doctor and find out you have an extremely aggressive form of cancer/dementia that will leave you bedridden in 1.5 years and likely a vegetable in 2.
You have all this money saved up for retirement but your time to spend it is drastically reduced. What do you do the last 2 years of your life with millions of dollars at your disposal? Remember, you're in your 50's/60's.
Also, please no 'OH YEAH WELL I'M GONNA RETIRE AT 35 SO FUCK YOU' or 'OH YEAH WELL NOBODY IN MY FAMILY HAS EVER HAD CANCER SO I GUESS THE QUESTION DOESN'T APPLY TO ME' shitposts.
This is exactly what happened to my dad. He retired at 66, 1 year later he was diagnosed with brain cancer. Slowly became a vegetable then died
Cry like a bitch for a month then go on a bender that hopefully kills me before the disease.
This is one of those "life sucks; then you die" scenarios. The best you can really do is to distribute your wealth in a way that brings you the most happiness. At least to hopefully feel that all your hard work wasn't in vain.
>>1699037
I would buy the most luxury RV I could find, travel around the USA to the best resorts. Leave great tips, the best cocaine, beautiful escorts. Then leave my house and fucking pimped out RV to Paul who used to come visit his dad once a month, not like Kara who went to live in Germany with her nigger husband who I told her not to marry. They won't see a dime of what I got.
Then at the end of it all, go sky diving without a parachute because that would be an awesome way to go out.
I have been looking for a sure fire way to start making bank off women's sexuality and gain a big female following because of this.
>Porn
Please dont offer or mention this. I want this to be a serious discussion
thats every ad campaign ever
>>1699025
>Make money off of sexuality
>Sex is completely off the table
Unless you're in a place where prostitution and pimping is legal, or you're a big copyright firm, you're useless.
>>1699025
romance novels 2bh
willing to bet that romance visual novel games will slowly rise in popularity too
Quick question about taxes.
I just read in my accounting textbook that here in Germany, we don't have to pay value-added tax on apartments, houses or other rented real estate.
Does it work like that in America too, and does it apply to hotel rooms too? Because when i went to America once, i had to pay 10% taxes on the price of the hotel room. Did i get scammed?
>>1699017
We don't have VAT.
We have sales tax, which is a tax on products, but not services. In some places, groceries are tax free.
Hotels are often subject to special taxes. You didn't get scammed.
>>1699024
>In some places, groceries are tax free.
Holy shit, people have to pay taxes on groceries? Where? That's some grade-A bullshit. I've lived in Arizona my whole life and have never had to pay tax on food. What the fuck.
>>1699024
Thanks. Wouldn't have surprised me if they tried to scam me, though. After I left the hotel, they "forgot" to pay me back my deposit, and they ignored my emails. I had to have a friend who lives in America go in and complain in person lol
It is upon us.
Hedge your prophets accordingly.
i hope youre short op, money to be made, unless you have no capital to short with
>>1698990
You are making the assumption that I even Bitcoin.
>>1698995
youre just throwing away potential profits then
Those of you who invested in AMD, did you actually read the last earnings report?
I'll link it for you:
http://phx.corporate-ir.net/External.File?t=1&item=VHlwZT0yfFBhcmVudElEPTUyMzkyNTl8Q2hpbGRJRD02NDg3NTQ=
It reports losses across the board. So why did you invest into a company which is losing money, AMD-tards? Was it simply to stick it to NVDA for being so successful?
>>1698977
NVDA has insane revenues but they're down 5% today...
>>1698977
i dumped a few thousand into AMD when the news was that they were going to power both the PS4 and the XB1, shares slowly moved from $2 to $4 and I cashed out after a couple years of no additional growth. Now they're at $12 a share.
>earnings are the only thing that matter
I see it's babbies first day trading
Can nocoiners make it alive before 2017?
>>1698965
they cannot
>>1698965
Coiners holding on to that little last bit of pump.
Looks like you'll have to steal a little more from your altcoin kids to get moar pump.
If all you smart investors can't see that BTC survives by fondling it's offspring (altcoins) you are blind.
BTC UP - ALTS DOWN
BTC DOWN - ALTS UP
Incestuous pump and dump with itself.
I'm tempted to take up programming as a side hobby for the fun of it, but have a career in a finance based field (bach/masters in finance/economics)
I'm curious if there's any way that this can translate into side income. Would that just be a meme "develop apps lmao" or do people actually earn money by coding in their spare time?
Always been fascinated by coding, learned a great deal of C++ and Java through highschool/childhood, but never went down that road for my career.
Thoughts? Experiences as someone who codes while working in a completely different field?
code an app that helps you automate your job.
code an app that you can sell to your employers for reoccurring dividends.
code an app that helps you code an app that lets you code an app
etc.
>Upload videos to youtube
>win the meme lottery
>>1698966
Not looking into that, question was pretty clearly about coding
I got really drunk and came up with an idea for an application that I want to make to get that sweet sweet tech dollar
How do I develop it? Is there a program I can torrent?
Or where do I pay someone to develop it so I don't get zuckerjewed like the Winklevoss twins?
>inb4 what is the idea
what's the idea
>>1698906
Idea or gtfo
>>1698927
>>1698929
Nice try suckerberg
Hi /biz, I am posting here on this day drunk, because I don't know what to do with my life and I am in need for some advice
>be me 28, live in poor part of EU
>father died when I was 6, mother remarried and doesn't give a shit about me
>atm without the job
>have almost useless bachelor STEM degree (maritime logistics), but all my job experience is in either in sales or marketing because I am good at those, and there is no jobs in my field
>last job I had (2 months ago) was a temporary position as an account manager in really big corporation, and I was quite happy there with almost 2000 eurobucks per month which is almost double as average here
>wanting to continue working there but there is no open permanent positions atm and there won't be until at least 1.march 2017. and that is not certain date
>there are opened positions in the same corporation for some customer service positions which I could probably get but they are either in London, Amsterdam or Berlin
>That wouldn't be a problem if I didn't have a serious girlfriend of 7 years, with really successful career, and obviously she doesn't want to move to any other country
>as a consequence of all this, I feel like worthless NEET
>In the meantime I inherited 45 000 € from my grandfather
>thinking about doing master degree in finance or marketing, but I am not sure is it too late or would I benefit anything with it
My question is: how would you invest inheritance money, so I don't become a homeless person in couple of years ?
Or which path would you choose ?
P.s.: Sorry for bad green text
r9k would know
>>1698905
hahah there is a reason why I posted here
come on, I can't be the only one on this board to ever be in this situation, and how that turned out for you