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My sister just had a baby and I wanted to start some kind of college savings for the little guy as a gift. What's a good plan for college fund investing with 18 years and around 50-100$ a month to pump into it?
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>>1113684
Smart 529 or Vanguard. Just buy ETFS like VOO and a few other market sectors, don't touch.
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Buy ETH.
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>>1113684
>Create a trust
>Throw $20,000 in it
>Buy oil companies, dripping dividends
>Have enough for any college by 18
Anonymous
Banks that refund atm fees 2016-02-27 04:31:55 Post No.1113153
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Banks that refund atm fees 2016-02-27 04:31:55 Post No.1113153
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Banks that refund atm fees
Anonymous
2016-02-27 04:31:55
Post No. 1113153
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In the U.S. I know of one Gate City. They are kinda limited to middle of nowhere Midwest but they refund any atm fee that you use anywhere in the state. Any of you guys know any other banks that do that? Credit unions that let you use a network of atms don't count. Only banks or credit unions that let you use ANY atm for free.
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Op here meant to say in the states
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Usaa
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>>1113153
Schwab
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I need money to meet the demand of my business and I'm thinking about opening a line of credit. The problem is I have no credit history. Will any credit card companies accept seeing as that I have no history?
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If you have ongoing business with revenues earned you can show, just start with a small loan from a bank. Once that goes well you'll have a relationship with them you can leverage for the line of credit.
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>>1112477
You don't have anyone or anything to get a credit recommendation from? Do you pay a mortgage or rent? Do you pay monthly for a car lease or insurance?
I just can't imagine someone about to make a decision to own a business has no paper trail for being able to make some kind of payment.
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Anonymous
Annotated Berkshire shareholder letter 2016-02-28 04:12:49 Post No.1114668
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Annotated Berkshire shareholder letter 2016-02-28 04:12:49 Post No.1114668
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Annotated Berkshire shareholder letter
Anonymous
2016-02-28 04:12:49
Post No. 1114668
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>http://www.bloomberg.com/news/features/2016-02-27/warren-buffett-s-2015-shareholder-letter-annotated
haha holy fuck you gotta love Buffetts business bantz
these things are genuine delight to read
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Warren Buffet is stingy a fag.
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>>1114684
what?
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>>1114668
Kek'd 2bh
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>>1114373
Are you an Australian?
what uni (I understand if u dont answer this one) and what course?
I'm starting tomorrow as well
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>>1114373
so basically a useless maggot
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>>1114373
Too small? My manlette cousin has worked in the oil fields since he was 17. You're just useless like the other anon said.
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NZ here, 2nd year uni tomorrow
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Okay /biz/, you got a heart attack and died today.
You are born again into a new York family in Manhattan. Your dad is a hugely successful banker and your mother is a socialite. You are wealthy and connected.
You, for some unknown reason, know that you are going to have an iq of 155, be 6'2, be 9/10 in attractiveness and be incredibly charismatic and socially competent. Alpha as fuck.
However whatever work ethic you have now is the work ethic you have in your new life.
What career would you go into and what would you do differently?
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Become Hitler 2K16
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>fly under the radar and follow rules
>do well in college, dont get political
>work from 20s into your early 30s
>go into politics
>do Oswald Mosely's life just in the US and learn from his mistakes
>solve the problems we all face
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>>1114343
What he said
Anonymous
Diversification thread. 2016-02-27 08:17:28 Post No.1113382
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Diversification thread. 2016-02-27 08:17:28 Post No.1113382
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Hey /biz/.
Post some ideas on what to do with your money when you are already invested in ETF, gold, bonds etc.
Is it a good time to buy both bitcoin and ETH now for long term ?
Any other crypto or csgo skins to buy ?
Diversification thread.
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Cash is an investment
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>>1113428
>Cash is an investment
Ok hold some cash in a non taxable account.
What else?
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>>1113382
Yes. Now is a good time to buy ETH and hold long term.
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Investopedia says, "A short position is the sale of a borrowed security, commodity or currency with the expectation that the asset will fall in value."
How do you profit from this? Are there other key concepts that I need to know before I understand this definition? I get, "buy low, sell high", that's an obvious strategy, but how do you "buy a bet that it will go low"? What are you actually purchasing? How is it profitable?
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I sell you 1 share of company A at the mkt price today of 10, but will deliver in 3 months. I never actually bought the share i just sold it to you at that price.
i wait 3 months and company A's stock price has dropped to 5, i buy the share i sold you and actually sell it to you at 10, doubling my money.
simple as fuck but you get the gist
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>>1112849
How can you sell something that you don't own? Why would the person buy it in 3 months for 10 if they can just buy it for 5?
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>>1112856
your broker borrows the shares (for you)
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Hello /biz/
I have an income of roughly 2200$ per month, it's not much, but it's a comfy job and my expenses every month are just 100$.
I have 16000$ CDN saved and I feel like investing it in dividend paying stocks as well as ETFs, and keep contributing every month with a % of each paycheck.
Would this be a good long term plan? Or am I better off saving the 16k and building it up further to invest in something else?
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>>1112575
Canadian Couch Potato, Vanguard, Questrade for free ETF trades.
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>>1112575
how the fuck are your monthly expenses $100
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>>1112575
Learn to do covered calls much higher ROC
http://ontt.tv/1NrsRXP
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Is scamming ethical?
/scam/ general
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>>1111111
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>>1112051
no its not
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No, but how else are you going to get a factory new statrak dragon lore bayonet?
What are the absolute worst degrees in terms of wage slavery?
My vote goes for engineering. You don't learn any skills that can be used in the real world outside of engineering, and you get the average wage slave life.
Is there anything worse? I know people might say accounting or something similar, but at least they learn skills that would be useful if they decided to start a business.
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You piss and shit after getting dressed?
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literally any degree, the only way to get out of wage slavery is to have your own business, which doesn't require a degree
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>>1107885
You know I'm only 20 and I don't feel I know enough to really answer this question, but if I had to vote I'd put my vote to Law enforcement (Yeah, like, going to college to be a cop).
Also, Bukowski literally changed my life so kudos
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>tfw you knew about bitcoin back in 2011 when it was like $0.80 but didn't look more into it
I would have had like $10,000,000 at 18 years old god fucking dammit. never have I think many of us gotten so close to making it so easily.
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>>1114469
You think thats bad, I had a friend that decided to buy some bitcoins and he used them to buy some drugs off the deepweb, he is currently doing a life sentence and they destroyed his Hard drive with his wallet in it worth about half a mil.
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>>1114469
>If only I invested in x at y I would be rich!
Is there a point to your inane bitching? Are you looking for sympathy? Attention?
Just shut the fuck up, nobody cares.
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>>1114469
Buy ETH now. Don't fuck up twice
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Hey Im a incredibly capable entrepreneur with numerous businesses of my own based in London UK
Im looking for someone here or international that would want to set something up with me.
My skills are:
-Marketing, Advertising and Sales
-Web Dev and Graphics,
-Manufacturing
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>>1112966
Lemme be straight with you anon. I am ALWAYS looking for business partners. With you as my client, I can turn your time into BIG $$$$$$$$$$$. I just need to know if you own a pair of kneepads?
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>>1112969
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>>1112966
Late as fuck to the thread but let me ask. What businesses?
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Wtf is wrong with people from 50-60+ ?
Always projecting their bullshit like "back in my day I did this and I was successful" like are they kidding or what?!!
Its 2016 how the fuck is our era the same as there is ?!!
Do they even understand how hard it is to be employed these days? or how much university costs? apparently back in their day uni was free, im in 20 grand debt already and Im second year Biz and Com degree. Anyone heard old people crap on like this ?!
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Compared to us the baby boomers are ridiculously uninformed in general
They don't know how to use the internet and generally get their information/opinions from literal newspapers (as in physically printed) and TV pundits
Trying to have a conversation with them about this stuff is fruitless, they have no mechanism by which to learn about the reality of youth today because nobody prints it out for them
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>>1112175
Pretty much this. I can't believe what it must have been like for them. I'd imagine it to be similar to being born blind and deaf.
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>>1112180
>I'd imagine it to be similar to being born blind and deaf.
So what you niggers are saying is that metaphorically blind and deaf people were able to become more successful because reasons?
I'm being facetious, but seriously, the disparity isn't that bad. There were more jobs and education went farther, but if you're observant and driven, it's still possible to make good money.
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Is investment banking a worthwhile career path? What is the best city (Asia including Japan preferred) to work in IB?
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>>1113372
If you like being a cuck it is. Become a broker.
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>>1113387
Good explanation, well said.
>Broker
Oh it was a troll post.
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>>65471581
IB is just a way to get into high finance. Most people do their shitty 2 years then gtfo to a better finance job.