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What does /biz/ think of the Acorns app/concept?
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>>1645463
dogshit
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When you’re dealing with just a few dollars every month, the $1 fee starts to make less sense.
If you have 50 transactions every month with an average of $.25 rounded-up per transaction, you’re only investing $12.50 every month. Acorns’ monthly fee is taking away 8% of your monthly contributions to your investment portfolio.
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1% gains a month on $50 is pretty shit
>>1645470
isnt it free for students and people under 21?
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What does /biz/ think of a bachelors in HVACR Engineering Technology and Energy Management
is this a meme degree?
http://catalog.ferris.edu/program/462
>Graduate placement rate has been near 100% since the program was founded in 1984, with starting salaries currently averaging $53,000 per year.
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>>1645459
bamp
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>>1645459
>you have to complete a two-year degree to enroll in this two-year program
In that time, you could earn a real engineering degree
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>>1645534
2+2=4
bachelors=4 years
What exactly did you expect?
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I have a basement full of stuff I need to sell. Most of it is computer parts from the past 10 years or old toys from when I was a kid.
What's the best way to sell online? I've looked into it and it seems like every service has serious flaws. Ebay has ~20% fees and apparently very poor seller protection. Craigslist can get you robbed or raped. Mercari was apparently always shady and now has fees too.
So what is the best way to sell this stuff?
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>>1645439
flea market
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>>1645439
Gumtree
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People here might not agree with me but... Amazon FBA. Just ship all that shit together in a box to an amazon warehouse, price it competitively. You wont make as much money but you wont have to deal with shipping shit out. You can even sell it on eBay too and have Amazon ship it to your customers.
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You know what's cheap and important? Crude oil, uranium, corn, wheat. Stuff people wage wars of aggression and riots over is way undervalued.
Shit will never be cheaper. Prices are forced down by the glut of oil and natural gas which will not last long.
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>>1645427
>not buying crude oil futures and holding to exercise and delivery
Good point op
Btw does anyone know how to refine crude to gasoline?
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>>1645436
Im talking about etf futures but Id totally fill a dozen outdoor swimming pools with light sweet crude because it's never going to be cheap and demand will never drop below a certain level.
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>>1645427
What about LAND nigga
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can we talk about this chart for a sec tho
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look at the volume
so a very small volume increase at 2:30 managed this gigantic price jump
suddenly everyone comes out and is trading at this new price level?
how does this happen?? why didnt it just slam back down to where it was at when the volume picked up?
who the fuck buys here? who puts their faith in a move like that?
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cant even see the chart
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>>1645378
fuck im sorry here ill zoom in on the area im interested in
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What's the best website builder that lets you use your own domain name for FREE?
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Is there any?
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Anyone?
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>>1645360
google.com
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>the company's normal interview process involves 5 interviews for each candidate
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THANKS OBAMA
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>>1645355
Now that's fucked.
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>>1645355
Thats crazy. I do 2x45min interviews over the phone.
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Can you get sued or otherwise pressured into changing your assumed business name if it's ''phonetically'' similar to an existing one?
i.e. Could Penis, inc. pressure Benis, inc. into changing their name on pain of litigation? Are there any precedents of this happening as an example?
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>>1645334
Yes. Esso became Exxon.
But that's because all the other split-offs of Standard Oil sued them because they were all in the oil business. (I learned that on this board, believe it or not)
If you're Benis Inc. and you manufacture sell direct to public clay mallard figurines, and Penis inc. manufacture for retailers and offices customized Pens with Inscriptions. Penis inc. will have no case.
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>>1645354
Okay so it's mostly about if you have a similar sounding name AND perform the same service? Or is there a few more caveats? Thanks!
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What's this waifu slut from?
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Who else is on the rocket to the moon? Back to .462
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Is it a cryptocurrency?
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No, it's an Aus lithium miner (ASX:GXY). Ramping up production and about to start shipping.
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>>1645333
gxy.ax
OP made 25% and will hold on too long and loose his gains
Anonymous
Briefing a Creative® Contractor 2016-12-01 01:30:28 Post No.1645281
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Briefing a Creative® Contractor 2016-12-01 01:30:28 Post No.1645281
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Briefing a Creative® Contractor
Anonymous
2016-12-01 01:30:28
Post No. 1645281
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>hire artist for long term project
>they seem interested and ask for a "creative brief"
>me face
I've read about them a bit throughout the day, and have seen a few example templates and the like, but for whatever reason I still feel pretty unprepared to sit down and do it regardless.
Is it really so important that I come up with some mantra about "my company" (i.e. me when I decided I wanted to make a game a week ago) and how it (me) is "different" from the competition etc.?
I understand talking about the target demographic for the project, its tone and other topical considerations to the work being done itself, but is it really the artist's concern for example who I am, whether the project will succeed or fail though? Why do I have to kid them with things like an insight into my "competitors" or the "strengths" of the project, the "risks" etc.?
Are there really any absolutely concrete rules to this or am I overthinking it? I don't care too much for this kind of formality, but I don't want to come across as too unprofessional either (even if it's the sad truth of the matter). I'm willing to do what has to be done in either case.
tl;dr - I don't have any experience dealing with Creative employees-or employing anyone in general, long term or otherwise. Do YOU have any experience in this regard? Help a brother out by sharing stories and examples (especially if they're funny)
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Have a bump, good sir. I too am interested in the subject matter of this thread lol
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>>1645281
Wow this is pathetic.
Just call them up and say
"Hey, I remember you asked for a creative brief.
Specifically, what do you need from me to get the ball rolling?"
...
Ok great. Let's meet at XXX time to discuss."
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>>1645499
/thread
Anonymous
I'm a 20 year old student, and I just got awarded 35k from a settlement. Any advice? 2016-12-01 01:30:20 Post No.1645280
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I'm a 20 year old student, and I just got awarded 35k from a settlement. Any advice? 2016-12-01 01:30:20 Post No.1645280
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I'm a 20 year old student, and I just got awarded 35k from a settlement. Any advice?
Anonymous
2016-12-01 01:30:20
Post No. 1645280
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I have about 11k worth of debt.
8k in student loans so far, and 3k for a car loan.
I plan to pay that off, then that leaves me with about 23-25k.
Thats about two years and some change completely free school.
Think I should save it for that?
I've never had this much money in my life, and I don't know what to do with it.
I already have a car, I live under my parents currently and my food and everything is paid for. All I do is go to school, study, go to the gym, work one day a week to pay for gas and have some extra change, and just lay around being a potato.
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Pay off your debt and sink the rest into finishing school. That's what you get for going to college.
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>>1645280
Definitely spend it on school. Graduate debt free and set up for a good career. You'll be in a better position than 99% of Americans.
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I like the advice about keeping yourself debt free by the other anons.
The only advice I can offer is being smart about the money you have and not spending all of it. If I come into money, I do my best to invest it and then pretend I don't have it. Repeating this every so often is a great way to build a sizable security blanket over time.
I won't preach investing advice to you. Just keep in mind that any investment can have a negative outcome, even just a savings account, which results in a lost in potential from inflation.
I have been reading many different ideas from all kinds of perspectives, and I have finally come to a point where I've decided upon my own views and how I will act upon them
We are all, for the most part, working class. I do not care if someone is a white-collar professional such as a lawyer or MD, at some point if they do not continue to work the realities of life and bills will catch up to them. I do not wish to be part of the proletariat, stuck in the perpetual cycle of wage-slavery.
As for the here and now, what I have done to start myself towards this goal is I've embraced the lifestyle of minimalism. I already am selling & donating most of my material things.
Now, what do I have to do to generate passive income?
My plan
>over the course of 7 years or more, generate over 100k in savings
>find a way to generate passive income
>eventually buy two plots of land at different points in the country, within a couple hours driving distance of major hubs for the sake of eased international travel
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Living in minimalism means you won't have any assets or estate. You'll depend completely on your one and only income.
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So, passive income is a bit of a meme.
Generally, you should pursue capital appreciation first, then once you're ready to turn on the income tap, you switch your assets over to income producing and go with that.
But, you can do both at once through investments like dividend stocks or real estate, where your capital can grow while you get a bit of cashflow.
I'll be online for a little while, you can ask me questions if you'd like.
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Everyone works for their money, even the billion dollar CEOs who everyone thinks just sits back in their office chairs doing nothing have to make calls, attend meetings, make decisions.
This whole proletariet/bourgeoise meme is outdated.
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>vector shill claims he makes $100 an hour as a college student
There is no way this can be true. Vector is a scam, no?
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>>1645241
Yes it's a fucking scam. Your job is selling shit for more than you buy them yourself. Nobody wants the shit unless you're a Steve jobs sort of marketer and then you're stuck having bought some random garbage.
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>>1645241
>vector
No shit they're STILL operating?! They've been a pyramid scheme since I was in college like 5 years ago. What in the fuck people actually fall for this shit?
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>>1645246
Supposedly you no longer need to buy the knives
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> Too outdoorsy to be office cuck
> Too smart for blue collar nig work
Any fellow /biz/raelies with this problem?
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Go into Forestry or any number of careers in science that are mostly field work
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>>1645229
G E O L O G Y
E
O
L
O
G
Y
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>>1645229
Rare Pepe hunter.
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So this pawn shop down the street has good deals all the time on all kinds of stuff (I mostly know electronics so let's stick to that) for example, I could've bought these speakers for $120 that retail at about $300. Now say I sell them, realistically for $225 on ebay. That's an easy $100 profit. So my question is, should I maybe speak to a manager there and let them know what I intend to do (and that I hope to get their best deals in exchange for my consistent patronage) and form something of a partnership with them? Would they even take that seriously?
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>>1645210
>partnering up with shady pawn dealer...
What's going to stop him from cutting you out?
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>>1645222
>going
KEY WORD
take note youngin
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