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i have $5000 and $4000 tuition debt. if i pay it off, i'll have 1000 bucks to mess with. there's no interest accumulating on the debt.
should i pay it off and reapply for january, or put the money in some index fund and double my earning and then go back to uni with more cash in april? what would the finance savvy gent do? inb4 not go to uni.
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Why the fuck would you pay off interest free school debt off?
Index funds are for long term investments
Just hold on to your cash and save it, dont do anthing stupid
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>>1019375
not even high yield dividend stocks? i want to make money alongside my salary so i can start a business making microelectronics.
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>>1019379
Unless you're investing 6 figures, investing isn't worth the trouble for secondary income. Your only real hope there is a second job.
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How much money do you faggots even have? Bunch of pseudo-investors on this board with MBAs from the university of American Samoa. I'm a sound engineer and I bet no one on this board has more money than me.
>early 20s
>not being worth at least $100k USD
pic related faggots
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>>1019263
Didn't you steal this from that thread on /b/ about an hour ago?
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>sound engineer
lel. Its like the fucker cooking at mcdonalds calling himself a burger engineer. Or the guy who fixes refrigerators calling himself a fridge doctor.
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>>1019290
>almost 2016
>being this salty that you dont have this much
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What's the best way to go about buying youtube views?
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>>1019068
By buying quality equipment and programs that helps make your content worth viewing.
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>>1019071
i'm looking for something like youtube ads to help boost my views
no point in making great content if nobody's going to see it
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>>1019268
You obviously don't know how youtube works, and shouldn't be a part of it.
so why haven't you became a copywriter yet?
>start a gig on fiverr for $5
>get good reviews
>after a while only the headline for $5 and bill more for the actual copy
>you will have a decent portfolio and can expand yourself to local businesses/outside of fiverr
>get on clickbank
>find a product with weak copy
>offer them to rewrite it
>now you have a portfolio, and can expand to local businesses/outside of clickbank
>start writing copy for already successful products on clickbank(you can reverse engineer the copy they are already using)
>start driving traffic to your copy
>optimize until it makes profit
>do this for multiple products
>get money while building your portfolio
>now you can expand your freelance copywriting business
>look for local businesses with shit/nonexistant copy, which you can improve(look for businesses which already pay for marketing, as it will be easier to convince them)
>offer to do it for free
>ask for royalties only
>now you have positive testimonials and a portfolio
>expand your freelance copywriting business
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I don't know how to start.
Beginning must be a pain in the ass with constantly getting underpaid and having to give "samples" and all that jizz.
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I was gonna attempt copywriting since I can write 150 wpm consistently with no grammatical or spelling mistakes but I'm too lazy to get started so I dropped it.
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>>1018485
i listed 3 ways to get started in OP
also, there are some copywriters who never gave out any samples, but you have to have the confidence to pull it off
Also there are some copywriters who charge decent price even for beginning copy, however it is usually advised to charge as much as your copy is worth(result-wise)
Anonymous
Surely this isn't catching on 2015-12-30 16:43:40 Post No.1018414
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Surely this isn't catching on 2015-12-30 16:43:40 Post No.1018414
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Surely this isn't catching on
Anonymous
2015-12-30 16:43:40
Post No. 1018414
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This is the second business I've seen advertise that they accept bitcoin as payment, this week. Will this ever be mainstream and if so what impact will a truly international currency have on us?
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>>1018414
>Will this ever be mainstream
Nope
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>>1019792
>>1019832
lmao gtfo of here you worthless altcoin shill.
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>>1019886
Bitcoin is dying
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Hey /biz/, I'm currently designing my own logo.
This is my first attempt.
How do you feel about pic related?
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>>1018238
scheisse brudi
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>>1018238
Unsalvageably awful. Google 'logo design rules' and read every result on the first page until you understand why.
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>>1018238
What the fuck where you thinking in putting thoes ghetto style letters? Honestly just go ask a freelancer to make you one. You get at least a nice logo for less than 5 bucks
Anonymous
Getting started with Bitcoin 2015-12-30 10:30:27 Post No.1018127
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Getting started with Bitcoin 2015-12-30 10:30:27 Post No.1018127
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Getting started with Bitcoin
Anonymous
2015-12-30 10:30:27
Post No. 1018127
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I need some help brothers.
A family friend got hit by some ransomware and now needs to pay in BC to get their stuff released.
As the resident "IT guy" it falls to me to get it sorted, but I know next to nothing about bitcoin, TOR etc.
Where do i start? How do i proceed? Help me out, please.
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anything important that's not backed up?
how'd you get it?
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you'll lose both your money and your files if you pay
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>>1018134
this
DO **NOT** FUCKING PAY IT WILL NOT REMOVE IT
This forum will not help you remove it, Google search the virus and see if you can find some solutions
Anonymous
[Robinhood General Thread] -- /rgt/ 2015-12-30 06:50:34 Post No.1017966
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[Robinhood General Thread] -- /rgt/ 2015-12-30 06:50:34 Post No.1017966
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[Robinhood General Thread] -- /rgt/
Anonymous
2015-12-30 06:50:34
Post No. 1017966
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[Robinhood General Thread] -- /rgt/
We affluenza now edition
>Stock Questions & Answers
>Stock Predictions & Forecasts
>Stock Graphs & Charts
>Stock Successes & Failures
>Stock Highlights & News
Visit the website first - www.robinhood.com
*Only works for US citizens right now (Australians can get on a wait list for the Australian beta)
Candlestick App - thinkorswim
Available on iOS, Android, and Windows
Candlestick charting guideline:
http://stockcharts.com/school/doku.php?id=chart_school:chart_analysis:introduction_to_candlesticks
Twitter like chat about different symbols:
http://stocktwits.com/
Previous Thread: >>1014513
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Thanks for adding candlestick chart guide. Doing God's work.
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I was thinking of pulling out of SYN and taking that loss and putting it into SNTA. Where's that guy that was talking about it last thread?
Anonymous
how retarded is /biz/? 2015-12-30 01:37:59 Post No.1017596
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how retarded is /biz/? 2015-12-30 01:37:59 Post No.1017596
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Itt: take the quiz, post results
http://www.usfinancialcapability.org/quiz.php
Bonus points: post background info
>20 years old
>neet
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5/5
>22
>self-employed
The bond question was the only decent question for a public quiz, made me run through what would happen. I think the other question people got wrong was the mortgage question which is worrying, plebs really shouldn't make their own financial decisions, they need someone else to do it for them like how pimps handle the money.
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5/5
20
haven't passed 11th grade
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I'm confused
doesn't an increased interest rate on a bond make it a premium bond which is sold for
Anonymous
Broker recommendations 2015-12-29 21:27:27 Post No.1017269
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Broker recommendations 2015-12-29 21:27:27 Post No.1017269
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Looking for a reputable, cheap broker with a low minimum deposit, may sound impossible but I'm sure if there is one out there /biz/ knows. EU here.
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pic related is great but their initial deposit is too high
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just buy Goldman Sachs' second market IPO stock dum.. I mean valued shares offered at the initial IPO
u can tell the company is doing well because the net share price is 400,000x the net assets of the company! ;^)
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>>1017274
what? also, where can I get in on IPOs, looking for something like Seedrs
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basic income thread? basic income thread.
http://www.theguardian.com/world/2015/dec/26/dutch-city-utrecht-basic-income-uk-greens?CMP=fb_gu
Cliffs of above article:
HOW IT WORKS
- A “basic income”, first proposed by Thomas Paine is an income unconditionally granted to all on an individual basis, without any means test or requirement to work.
- It is paid irrespective of any income from other sources.
- It is paid without requiring the performance of any work or the willingness to accept a job.
- Advocates say it will allow people to genuinely choose what sort of employment they take, and to retrain when they wish.
- Its proponents also claim that a basic income scheme is one of the most simple benefits models, and will reduce all the bureaucracy surrounding the welfare state, making it less complex and much cheaper to administer.
DICUSS:
as a business owner, or somebody very interested in starting a business, what unique opportunities arise from having a population that receives basic income? how will society shift, how will the economy develop?
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>>1014466
I think it will eventually happen just from job loss from automation.
Products from jobs that can't be automated will most likely go through some huge inflation as the low skill labor force would rather stay at home and smoke pot all day ... just living off of the basic income. Forcing owners to raise wages or just go out of business?
You'd still have poorfags blowing it on casinos, hookers, and meth. It won't solve proverty.
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>>1014473
*poverty
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HOL UP SO WHAT U BE SAYIN IS.... I GET FREE SHEEEEEIT?
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do you guys know any good resources to learn to effectively manage large sums of money and pay taxes? Good books, journals etc appreciated.
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>>1020109
>manage large sums of money
in a personal or business context?
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>>1020116
personal. I just came into some money and I want to make sure i'm not getting the short end of the stick when it comes time to hire an advisor.
Anonymous
Ding Ding Ding That's the end of the Year boys 2015-12-31 21:00:59 Post No.1020035
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Ding Ding Ding That's the end of the Year boys 2015-12-31 21:00:59 Post No.1020035
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Ding Ding Ding That's the end of the Year boys
Anonymous
2015-12-31 21:00:59
Post No. 1020035
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S&P500 unchanged for the year
Post strategy and results
Buy and Holds eating those inflation dicks
Bears made some money this year on Aug 24th
Volatility folks coming out on top I'd bet.
Post Returns
Winning/Losing Strategies
Biggest winners/losers
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Op Here
-40% Net Liquidation on the year.
Covered Call losers, FCX, X, SDRL
Covered Call winners CHK, NVDA, ATVI,
Bad Directional Bets
Long DIS, Long CMG, Short Tesla,
Good Directional Bets
Long AMZN, Short APPL, VIX
Earnings Trades Slight losses
about 55/45 loss
APPL +5k aug 24th
AMZN +2k July Earnings
DIS -700 earnings and StarWars Hype
IYR Earnings Condor -500
FCX -500 Covered calls, and covered Strangles.
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-8% :(
Don't care though it's just an index retirement fund
Anonymous
Large inheritance $550k+ 2015-12-31 20:17:12 Post No.1019980
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Large inheritance $550k+ 2015-12-31 20:17:12 Post No.1019980
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What do I do with an inheritance I'm going to get of around $550k?
My plan so far is:
First thing I need is a house. I don't mind renters so I'll probably get a bigger one than I need (not huge) then rent out some rooms to people and also do the Airbnb thing. Hopefully I can find a place which needs work which I can do myself.
How much should I realistically spend on this house? Seems strange to buy a house with cash then have nothing left over. Should I talk to a professional financial planner?
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>>1019980
I would not buy the house in cash. Get a mortgage for some part of it. I can't tell you exactly how much but I would consider doing a 15 year loan on half of it, and put the rest of your cash in another , much more liquid, investment.
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>>1020011
What would be the purpose of putting some in a more liquid investment? I don't really need the money atm and I can't see the returns beating a real estate investment.
Another thing is I don't have anyway of paying off a mortgage. I'm an unemployed student atm. I suppose I could just cash in my liquid investments and pay for the house later if I need to if the investment beats the interest rate on the mortgage.
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>>1020017
You can start by doing some actual research into the price of homes in your area. Houses cost upkeep and maintainence and other bullshit. What skills do you have that make you think you can do any of the repairs yourself?
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Is there anything I can do with this as a European? Would now be a good time to exchange it into Euros if there isn't?
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Just do it. You're not going to "time the market". Just sell it for the best price you can find and make use of it.