QTDDTOT - post em here
If a loan has a 5% annual interest rate, does that accrue daily or monthly or what? Is it based on the outstanding principle each day? Like 5% of principle / 365?
>>1069990
You would have to check the terms of the loan to know.
>>1069993
I mean, just a standard loan, I don't know by going to the lenders site how to tell what kind of loan it is. One of them is a federal student loan
What kind of terms am I looking for?
>>1069990
My fed student loan accrued interest daily. That way if you pay it off a day before the 'interest application' date you wouldn't skip the year or the month you almost went through. Most loans work like this.
How many of you have made money with fantasy sports?
Any active players?
What is a good way to get started and make it profitable?
Where do you get your information?
Spread Sheets? Regression Analysis?
Total waste.
I'm really looking forward to the house of cards coming crashing down.
I'm surprised the word hasn't gotten out yet.
Almost nobody is winning money. Basically the top 1% is the only group to see any REAL money. And the top 10% earns a little bit of money, nothing to brag about.
Nearly everyone that plays is losing money every single week. I really don't fucking now how DFS is making so much money.
>>1076505
This is a sucker's game and not a form of investing, thanks for being the type of idiot who subsidizes all the nice things in my life though.
>>1076707
Nice things?
Guys serious queston. A few months ago I bought around 10k of BOIL a 3x levered natural gas ETF. I held it for a month where it went up by 1.4%. however I lost 1,000 dollars due to fees associated with holding the stock that I don't fully understand. Fastforward, I buy 13k worth of SH that i want to hold for a year. I read the paper on it and it said the only cost of holding it is 1% a year which is an acceptable amount. My fear is that somehow I am in the red on SH even though the market has gone down. Are there hidden fees associated with 1x inverse SH that i am not aware of?
>>1073954
TL;DR
Is SH a stock that you are only supposed to hold for a very short period of time or can i hold this for a year without getting murdered in leveraged fees? i thought SH wasn't heavily leveraged
>>1073954
Did you read the prospectus? In either case?
>is there a cliffs notes pdf
no
>>1073971
I am not very intelligent so it is hard to read the prospectus because they use advanced language.
I have read this-->
http://www.proshares.com/funds/sh.html
Ticker SH
Intraday Ticker SH.IV
CUSIP 74347R503
Inception Date 6/19/06
Expense Ratio * 0.90%
NAV Calculation Time 4:00 p.m. ET
Distributions Quarterly
I understand the expensive ration to be a .009 a year so at 13,000 USD i would be paying around 130 a year in fees?
When will these housing prices start dropping /biz/?
I am tired of hearing my parents speculating the price of their crack shack home, and how they plan to sell it for over 2 million dollars. I keep telling them no one will take the house at such a high price but they keep having delusions of grandeaur and dream of buying a luxury house and a new car.
How can people be so stupid?
>>1074088
Not anytime soon, prices will continue to rise until the Chinese government steps in.
This Friday will be a trigger. Guaranteed the bubble pops this year - not a good news for the economy though. If your parents were any smart, they would have sold their houses already.
Source: I'm in Toronto
>>1074088
I know where you are coming from my man. Fucking boomers.
Stupid fucking idiots think they know shit cause they are old.
Alright /biz/, if you had to pick between ONE share of alphabet(google) and ONE share of amazon for the long term, which would you pick?
I'd buy ten shares of netflix or apple.
>>1077025
really? Netflix seems to have a really high P/E ratio. And Apple doesnt really have the sort of diversification that Alphabet does.
>>1077027
P/E means nothing.
Really. What is your plan Anon? And how you wan"t make it real?
>be me 18 years ago.
>no 4chan, shitty Internet.
>start business
>18 years later
>millions
Anon, try harder.
>>1076760
Moot, other idea.
I am slowly following my plan, 33 years old, got a trade in the highest paid industry at the time when i was younger. I have nearly paid off my house, I earn $135,000 per year for working 7 days on 7 days off, so I am studying business and once i own the house i will direct all of my excess money into investment, either own a business or stock portfolio, hopefully retire early.
Look /biz/. I don't have the same cliched aspirations as normies do in the event they come across a large sum of money
>hurr durr spend it all on fast cars, women and mansions!
>hurr hurr durr i wanna fund my startup business!
>>hurr donate ma money to charity!
No.
JUST NO.
I just want to make EXACTLY $3,000,000 (to the cent) fast enough so that I become a financially independent NEET and live in isolation for the next 50 years until I finally die due to natural causes painlessly in my sleep, in a fetal position, holding my dakimakura sex-robot.
I'll
>still consume and contribute to the global economy and GDP like a good citizen should
>pay indirect taxes to the government through consumption of "luxury" goods like alcohol, fine wine, swiss cheese and anime imports
Is that REALLY too much to ask?
dumn frog poster
Thats a more boring version of he neet daytrading mansion im starting
>>1076289
Literally me. All I need is a small box with a broadband internet connection and I'll be entertained forever. I just need enough money for food and water. I have no aspirations of women, children, or fast cars. Virtual reality is coming soon brother. We can plug ourselves into the Matrix.
sup /biz/fags, anyone got an million dollar app idea? every other person i see on a daily basis has their eyes glued to their phone, i think anything mobile app related is a cash cow. i wanna see how the anons of 4chan can bless me with their infinite knowledge
>>1076265
Yes, I have an idea for an app that will generate me one million dollars. Let me go ahead and give that idea to you.
>>1076265
Rpg makermv is can export games to iOS now :)
>>1076282
Oh my god, me too!
Let's all share our ideas with OP, guise.
I just received a call and I have a phone interview on friday (i am on the other side of the country for school). Its for an accounting internship, working with the controller.
I've already looked up the company on glassdoor, what other resources can I use to prepare?
Should I just write out my answers to their most asked questions? I'll be trying to form my answers with the STAR approach.
Ay nigga I gotchu. Here are some primo questions that you should ask when they ask "have any questions"
Can you tell me a typical day on the job?
What do you like most about the job?
Can you tell me about the projects I'll be working on?
How would you define success in the position.
And then make sure you thank them in a follow up email for the interview.
Also don't wash your asshole for good luck. Gives you that sweaty crack sense of confidence.
>>1076479
Another few good questions are
"What are the best and worst parts about working for this company?"
"If you could change a few things at this company, what would they be?"
"Do you enjoy your job/working for this company?"(any answer/hesitation other than an immediate "Yes" is a sign that it's not such a good place to work)
Maybe leave out the more pressuring questions like "What do you hate the most here?", seems a bit bad to be so negative and perhaps putting light on the company's bad sides before you even get hired.
>>1076485
luckily i've worked for the company before so I know the perks and stuff
>he fell for the stem meme
>current year
>the engineer is the only one without a girl
As expected
>>1076184
They all look like fucking twats.
>>1076184
The engineer clearly won.
Anyone here work in the HR field? I'm looking at switching careers and thought that might be the field for me. Do you enjoy it? How'd you get your first job in it?
Thanks in advance /biz/
This is relevant to my interests as well
I am not in HR currently, but worked in HR for a brief period in a major retailer. It was pretty easy, but the work was often tedious. You're basically worrying about all the shit no one wants to give the time of day to. I think just about all of us have ignored HR over the course of our careers (unless it's about compensation, lol).
The women I worked with were hot and cold. Usually cold. That's how I'd describe their attitude of interacting with prospects, employees, reps, etc. Like you were inconveniencing them by making them do their job. Sometimes it felt like a DMV experience, which I hated.
My advice would never lose your kindness, even if you're not a very social person. It's all about smoothness and pleasantry IMO. At least if you want to keep your sanity.
>>1076064
good advice for when I actually get a job, but I'm looking more for what the job itself is like, and how to appeal to employers in order to get one
how'd you end up working in HR for that brief period?
intel trading at 29.80
am i looking at this all wrong? why is it so low? is that even low? you would think the biggest CPU manufacturer with the most value would be worth a whole lot more then this
>>1075439
Are you retarded? Serious question.
>>1075447
idk, am i? thats why i've come here with questions.....i've been sitting on some WWE stock for awhile and am looking to switch it up
>>1075451
>WWE stock
Are you autistic too?
How much net worth would someone need to have for you to make the claim, "he/she is rich, in a material sense", if you'd ever make such a claim?
If you're not from america, think of the amount in local currency units, then go here and find your country on the list: http://data.worldbank.org/indicator/PA.NUS.PPP
Divide the amount in your head by the number you found for your country there, then post the results in dollars to give us the amount in purchasing power terms.
Pic, semi-related?
I'll start, I'd say $700,000
GDP per Capita 49,000
Rich 10,000,000 atleast
Paid benefits, house, cars, vacation time, can retire before the age of 60, estate is planned.
Would it be legal to take articles from one website, translate them roughly / rewrite them to another language, don't give any source (except for the photos) and then post them on a blog for ad revenue?
> Derivative works are infringing if they are not created with the permission of the copyright holder. Thus, a work of fiction or a best-selling biography cannot be translated into French and distributed without the original author or copyright holder's permission.
>>1076908
How would this work on an international level?
Couldn't you just get around it by posting in a nation that doesn't have these kinds of restrictions?
>>1076908
Yes of course, but what if I take a buzzfeed article and rewrite it into another language?
What if I took half of a buzzfeed article and half of anothers site's article and mix it together?
I mean buzzfeed usually sources reddit or twitter so I could source those links as well.
Nobody can prove I stole content?
how does an 18 year old with 10k in the bank and an average iq become wealthy without getting a university education
Go into trade, work all the overtime you can until you're 25, keep your expenditure down, invest smart. Someone else will have to help you with the last bit
>>1076804
You don't unless you're athletically or musically gifted or really really really good-looking.
>>1076809
fuck, so the tradie route is my only chance at becoming rich without a uni degree