should i file for bankruptcy #7 if i have around $3600 in unsecured debt at 20
pic related what i am probably gonna get as responses
>>1153245
No you dumb shit. $3,600 is not a lot. 7 years of shit credit & a permanent mark this young isn't worth it.
no that's working one day a week money.
call your creditors and set up a payment plan.
>>1153245
>Ruining your 20s over $3600
What 2 do if your parents are poorfags with poor financial decision-making?
>Keep telling me about the newest MLM and cryptocurrency and all this shit
>They keep telling me I should drop my Accounting major and just join Amway because they heard some people are making 6-figures doing it
>Keep nagging me about getting a job and moving out and doing chores which further lowers my testosterone via cortisone
>Are voting for Bernie because he'll give them free things
>Keep telling me liberal things they heard on bernie sanders discussion forums
>Keep telling me how capitalism is evil and horrible and that there's a conspiracy to make us poor
>Keep telling me how world war 3will start soon and so money will become useless anyway
>Can't get a job because of their shit since they keep making retarded rules
Fuck man I know I'm living under their roof but why do they have to be like this? I'm so jeally of financially literate parents.
What do I do? I'm considering just taking what money I have and moving by myself to le big city and starting a new life but I have no real job and no gf.
How do you guys deal with your poorfag family?
You posted the exact same thread maybe a week or two ago, word for word.
Tell them to stop being idiots.
>>1153222
I just want some good advice man
They're getting too unbearable to keep living with yet people on /biz/ keep saying you should live with your parents until 30 to maximize savings
>>1153225
People on biz are NEETs.
As long as you're working and have and income and as long as you're not frivolous and know how to budget you'll be more than fine.
if they're unbearable, call them out on their bullshit.
People have moved out at younger ages and became very successful, other at an older age and failed in life.
Any evidence to a specific age would be anecdotal and is worth shit.
Also if you move out at a later age, you'll be that one guy that lived with his parents till he's 30, socially awkward, and oblivious to how the world works.
Get your shit together with a job, start looking for a place, once you find one get it, then stsrt moving things in slowly and then get out of your parents' place.
Only thing you need to wait on is having the furniture to live with and a sustainable income.
Get out, learn, fail, or succeed. All are learning experiences.
Some "inventor" contacted me a few days ago, I'm a freelancing programmer (I'm a student so now time for actual job).
Up until now every job was really easy, a client asks me for some utility or maintenance work, we agree on a sum, I get paid half, deliver work, paid another half.
now this dude is offering me an unpaid job but wants me to sign on a contract that basically says that I will own 20% of the income generated by the product I write, those 20% are flexible, for example, if he's getting an investor and promises him 10%, 2% get cut out of my pay, and 8% out of the inventor's pay (so 18% - me, 72% - him, 10% - investor).
I'm also required to sign an NDA, so my question is that:
Is that a normal deal or am I being ripped off? I used to get about 1500$ for a week's worth of work projects, but this sounds like an easy investment for a continuous pay (even if we don't generate a lot of money, it's still passive income)
(cont)
I mean, 20% sounds like a small share, especially when he said that he plans to expand his firm, and if/when I continue working with him, I might recruit some people who'd be paid a regular salary and I only kinda supervise them, like lead programmer or whatever. Does that mean that he has to make me sign for each and every product? (because currently the contract I'm reading is only about 1 product)
So bottom line is:
is 20% shares a good deal for a programmer who singlehandly writes a product?
I can translate the contract if needed
no. 50% off product and 30% of whole company
>>1153167
this is the way to go, also make sure you have a copy of the contract and let him sign it as well as you
If i have 1,000 friends all over the world…, who each of them is willing to give me USD1000.00… i am going to use that money (USD 1mil) to build a bungalow here in Semporna, Sabah, Malaysia, buy a range rover sport and buy a diving boat, so that, when they come visiting me here for relaxation at lots of beautiful islands, scuba diving in sipadan, island hoping, climbing mount kinabalu,exploring maliau basin, visiting orang utan in sepilok, and many -many mores… they can always stay at the bungalow, drive the range rover, and use the diving boat at any time for rest of their life for free, as they co -own the house, the car and the boat!!!!…anyone interested???
how can i trust you after giving you 1000usd?
>>1153142
What's the voting structure like for change of ownership concerns?
i'll prepare legal documentation for you to sign before you giving me any money.. we need to group up and need to know each other at least online..., opening facebook page, building website etc... i am just trying to survey here if anyone are interested..,
Stefan Molyneux: Thoughts
>>1153122
potential cult leader
>>1153122
Black and White underperformed
Fable was just plain shit
>>1153137
Not an argument
Are you going to miss the next boat? Its leaving now.
It already left hours ago, unfortunately.
>>1153011
Sure it did
>>1152990
fucking /biz/ faggots wish you woulda told me sooner
you guys were right about the SYS pump but you were too late on the GRD pump
I have 950USD and Robinhood, what do I invest in? Im wanting to take a high risk but am willing to go for low risk.
Also, I'm in school so I don't have a lot of time to be spending checking on this shit
>>1152963
Cpxx is supposed to announce earnings on Tuesday. Check out their chart, news, and 1-yr target.
I dropped 8k into it when it was at $8 last week.
>>1152969
Thanks, I'll check into that
Hey /biz/. I got my first job interview at McDonald's. I know it's the bottom of the bucket and it will suck ass and add unnecessary stress to my life. Any tips on how I can get the job. Also the interview is probably going to be in french and my native language is English so fuck me.
>>1152813
>Any tips on how I can get the job
show up
fgt get on the grind
>>1152813
>Any tips on how I can get the job
Dont die during the interview
>want to go to live in China
>normal salaries there are shit
>have no idea how to go work there without getting paid a shit salary
I just want to get HSK 6 and eat xiaolongbao, /biz/ ;_;
Anyone else in this boat?
Have you looked into teaching English?
>>1152626
Yes
Considered it after college (I'd met a lot of Engrish teachers while there for a year during my undergrad), but decided against it - I'd be a year down the line with no real experience to show for it.
Looking back, it could have been a good option, may consider it for a career break or something.
For the moment, I'd prefer to go there as part of my normal career
>>1152632
well what's your major now? try to get into a company that has a presence in China and see what you have to do to be placed there. Knowing how to speak the language will be a necessity.
Do you guys think getting rich happens by luck?
All my normie friends seem to believe that rich people get rich by luck and not by working hard and starting a business or by making smart investments.
Pic related, a friend of mine made a couple thousand from investing 10 grand.
Fucking wagecucks I tell you.
In most cases it's hard work. In some cases it's just being at the right place at the right time.
>>1152204
Sometimes yes, sometimes know. There are surefire ways to become wealthy, like going to medical school and specializing in a high-paying field and then spending and saving prudently, but other less certain ways that involve a degree of luck, hard work, and charisma.
>>1152204
Yes, statisically so. Even more so as you raise the monetary value of your definition of rich.
Luck makes both the hard working and the lazy rich, but hard work doesn't make everyone rich.
Anyone here that has bought twitter followers from fiverr or a similar service before? I can see people selling 1000 followers for like 5 bucks, and I get that most of them might be fake, but is it worth it anyway?
My account is mostly to promote my art and I have some people who know me, so I don't want to do mass follows/unfollows because they'll suspect I'm bullshitting my way through it.
>>1152187
That's overpriced. 1000 goes for ~$1 on many other sites.
It's only worth it if you actually believe in the concept of social proof.
But then, you'd want to buy or build at least 10k follower accounts.
That's about the point where you generate a decent amount of natural traction.
You'd still want to do follow/unfollow churn anyway if you plan to keep growing an active following that actually engages with you.
Buying followers does not generate likes/retweets that are worth anything.
>>1152194
>on many other sites
Which one do you mean? Thanks in advance.
>Buying followers does not generate likes/retweets that are worth anything
I already have around 20-80 faves on average when I post my art since I have around 400 real followers that actually like my stuff and all, but I want to build up my numbers now in hopes of getting slightly more exposure.
Plus I think I already follow all the relevant people to the topic I post about.
What's your experience with bought followers in general?
>>1152207
>Which one do you mean?
There are literally hundreds of sites that sell followers. Just google it and research the prices.
>I think I already follow all the relevant people to the topic I post about.
>400 followers
Find another popular account related to your niche and follow their followers.
Or follow the people that retweet their content. Or both.
What's your experience with bought followers in general?
I've had a few accounts banned but in my experience it can help bolster an account if you've had an account in good standing for around six months (not flooded with spam/affiliate links) with a moderate following (around 6-10k done through follow churn).
Once I hit the 6-10k follower range (normally in this range after a few months) is when I'd buy 10k followers for the account.
It seems to avoid the bans this way
Where do you guys get your /biz/ news?
Especially interested in Chinese economy news if anybody has some good sites for that.
Bumparino
Bloomberg. Bloomberg terminal if u r rich.
>>1152327
isn't Bloomberg terminal more about financial real time data?
SHORT THE NASDAQ
SHORT THE NASDAQ
CRASH INCOMING
BEARS ARE WAKING UP
>>1152084
does this mean I should sell my SPY shares? new to trading.
>>1152112
yes absolutely
I'm two weeks into my first 'real' job and it's going good. I have no education so I'm not making a ton of money, which is why I came to this board to learn how to spend and save properly. I read the sticky, but there weren't any catch-all guides for that kind of thing. Any reading materials you can suggest?
my gross monthly income is about $2600
pic related I'm saving for a Pantera
>>1152078
My suggestion is don't come to /biz/ for legitimate financial advince, because you'll just be told to invest in ETH or whatever flavor-of-the-month crypto is on the table.
/biz/ is dead, lad
>>1152079
thanks for the honesty lol
>tfw I have a degree and my gross monthly income is about $2200
god damn
>can't function socially
>can't hold down a job blue collar or white collar without people thinking I'm a freak and getting me fired or just be quitting of my own volition
>will never operate a business because I can't form connections with people
>wasn't born in a well off family that would allow me to invest enough money to live off of hands-free
Is there any way at all for people like this to make it in the world
try /r9k/
>>1152004
Day trading