Can someone tell me if they believe we are on the verge of another housing bubble pop? Prices seem super exaggerated right now.
>>1453236
Auto lending bubble
>sub-prime loans
City bubbles yes
National bubbles no
Some countries like Canada, China, and Australia are, others like the U.S.are not. (In my opinion at least)
What will happen when the education bubble bursts?
Increasing tuition and the diminishing value of a degree will only lead to student loan defaults
>>1453209
Valid question ngl
May lead to a market crash if enough people default
However lots of people who drop out/don't use their degree find other/often better ways of making money so i think tuition fees will slowly come down via socialist government regulations before a crash would happen
Good question, I wonder the same thing. Im glad I finished college when I did.
>>1453209
considering the government is expanding its loan programs and more people entering college then before i dont see the bubble bursting. and if too many people fail to pay back loans then they will just print a shit load of more money. there is no solution, once people realized how bad its gotten they refused to change
Is money, good looks and financial success the key to attract/hook up with beautiful (hot) women if you're not handsome ?
Secondly, we all know that women don't go for broke nor ugly guys.
Lastly, I will take your advice seriously.
>>1453194
I don't know.
My wife went to an Ivy League school, and I met her when I was working as a construction laborer.
The only way to legit biologically attract girls is by being good looking.
That girl would get wet for male models working mcdonalds, but a billionaire invisible guy looks wise would be nothing but a cuck that buys her shit.
That's life, the most important asset cannot be bought: genetics. This is why studying/working/making money is a cope.
>>1453238
Well, what if im good looking and smart?
I received several $3,000 online transfers from a business partner who I worked on some gambling stuff with. Not exactly legit, but certainly not money laundering or fraud or funding terrorism or anything like that. Sent to my Canadian credit union who are all about "community." The total was around $70,000 CAD in a span of about 2 months. Prior to that I never held a balance over about $10,000 with this bank, and there had been very little activity for about three years before receiving all these transfers.
About a month ago they block my online access. I had to talk to branch manager on the phone. He was a real pain in the ass and asked 50 questions about my business and I just lied and told him it was something related to internet businesses, and was pretty specific and seemed believable. He was hassling me about changing my address and other various bullshit things which I didn't want to deal with and finally I lost my patience and told him to fuck off and relax, and he did.
We left it at I wouldn't receive any more transfers and he'd stop asking questions and re-open my account.
I haven't received any transfers since then. Now I see my access is blocked again. I guess I'm going to have to call this cocksucker again. What should I tell him? I don't want to lose the account, I don't want to have to update my address, and I sure as shit don't want the funds to get seized or anything.
>>1453083
tell him you are going to go find a better bank
>>1453083
why the fuck wouldn't you immediately transfer banks after the first time?
Yeah, dunno about you senpai, but the second the bank starts shit with me about my money is when I close the account.
Niggers, fucking buy AMD pronto. Look at its performance in recent days, months, and the last year. This shit is on a steady climb that is only going to get better and better until the holiday season. Buy AMD, and screencap this post. It's moon time baby.
This advice is like saying. Hire all niggers and fire all of your white employees.
You aint going to the moon, youre going to Detroit.
>>1452972
except it's not at all like that. Good try though.
>>1452959
But it is at it's 5 year high now? I got in at 3.04$ and I'm thinking of selling today.
so after lithium (with GXY), cobalt (with cnj), semigold and cobalt with BAR.. what about FGR First Graphite Limited's graphen to complete my portfolio? That seems to be a great bet, the potential technologies are insane
or any other graphite/graphen ASX companies?
>also holding XPE (IoT technology, look it up)
also CZfag reporting in
considerable also SYR and MNS
Youll be dead long before graphene is ever used on a large scale.
Hey /biz/,
Can anybody recommend me any excel spreadsheets or any other software to keep track of my business incomes and expenses? We work on a per-project basis, not necessarily a monthly one, but we do have expenses not related to these projects here and there. I was wondering if anybody knows a comfy way of recording all of this in the same place? Pretty new to this, and although it does not look particularly difficult, it is my first time doing keeping track of the books so I'd rather start off as organized as possible.
>>1452820
Just look for excel budget templates and you will have one, they are free and not complicated you can even download some on Google spreadseets
>>1452820
Here you go: https://templates.office.com/en-au/Budgets
>>1452820
are you hoping to have the projects monthly expenditures automatically factor into the company-wide sheets?
Greetings /biz/, /b/ scumbag here.
I've just downloaded Bitcoin-core and as I guessed, its really far behind in the blockchain, 7y 30w. My internet runs at 1mb/s but I can get 20mb/s internet at school. How long do you reckon its gonna take to catch up with either of these?
14
>>1452695
This is why wallets like electrum exist.
>>1452695
Lol
Could the currently inflated stock market have a value correction without hurting the economy? So could stock prices fall drastically while keeping unemployment low?
Goes like this
1.stock market crashes
2. Government getting much less $ from capital gains tax
3. Raises other taxes
4. Cannot afford said taxes, lay off workers
>>1452702
okay but could there be a scenario where the stock market corrects its value without a crash? Like a gradual dip down to its proper value?
Also doesn't it take years for tax rates and tax law to change?
>>1452734
It's called a bear market.
60% Large Cap, 25% Non-US Stocks, 10% Mid Cap, and 5% Bond fund.
>>1452536
I don't know.
Why no small caps?
What about value versus growth?
Also why not REIT to diverse into real estate?
>>1452541
because my employer's 401k program doesn't offer what you just mentioned :(
Funny enough I'm 10% cash 90% stocks and I'm 21. I'm up 60.4% this year, mainly because I bought gold stocks early this year. Just depends on how much you want to risk.
I have about $9000 worth of series EE 30 year treasury bonds that I was given during the mid 90's as baby. Currently I have $6500 worth of student loan debt that I have been steadily paying off to help my credit history. Because their interest rate fluctuates I can't figure out whether I would be better off holding the bonds until they mature or redeeming them now to pay off my student loan, the interest rate on my student loan is 3.4% and most of the bonds are just over their face value of $500. I think I'd be better off redeeming since interest rates are so low today, I would just like someone else's opinion on the matter. Thanks.
>>1452237
After working at Chase and seeing how pathetic the US Govt bonds really are, I'm sorry you came across them in the mid-90's and didn't just use $9,000 as toilet paper.
Just remember you gotta pay income tax on the bonds
Idk why you included the loans, sounds like you have it pretty much handled though
Just figure out what gives you the best return, definitely won't be bonds though
>>1452257
well they were given to me I can't complain, keep in mind that at the time they were purchased the economy seemed much better than today
>>1452260
Well the reason I put the loan was to ask what people would think is better, holding the bonds until maturity and paying the loan down monthly, or just redeeming the bonds and paying off the loan.
Does /biz/ use any budgeting apps/programs? Or do you guys use a big complicated Excel spreadsheet? I'm curious how you guys manage your personal finances.
Well mine is pretty simple I call it no money no worries.
I use Mint.com
>>1452258
/thread
Fuck It.
I have never seen a stock Memed so poorly...
>>1452255
So then why did you invest?
Hey guys,
I searched all over and I couldn't find a concrete answer - What is the annual limit, in dollars, that I can take out in federal (sub and unsubbed) loans? Assuming I'm an independent 24 y/o.
Anyone?
>>1452182
It's not based on a limit. It's based on what your school costs, and it is disbursed directly to the school. So whatever your get rich quick scheme is where you draw more school money then you need and play investor while you're in school is not plausible.
It's also based on your need, which is a figure created when they assess your family's possible contribution after looking over everybody's financial records. Do not try to defraud them, they will find you.
>>1452218
No, that isn't why I was asking. My school is going to be 22k/semester and I'm going to need a little more so that I could cover some living costs. (I'm in San Francisco) That is why I am asking. I just frequent this board which is why I'm asking here.
Aurinia Pharmaceuticals Inc. Can someone tell me why this stock is being Memed to shit all over /biz/?
because /biz/ is shit.
>>1452185
Should I still invest though?
>>1452198
sure.