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>be, 18
>drop out of EU professional school
>I'm screwed "wat do now"
>0 in bankroll at 18
>Listening to audiobooks while eating
everyday
>"Wealth is Mind" videos, push my mind to torture
>Now rich at 19
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>>963322
>rich
20 bucks?
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>>963331
Is that you trying to be funny or talking shit on random thread with your small mind? Lets suppose that was not a joke:
No, not 20 bucks, a lot and a lot more than that :)
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>>963337
How did you get rich? What did you do in the 1 year after listening to the books anon?
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Is there a difference between being rich and being upper class?
And what sort of income are we talking about, here?
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Okay so I'm going to give the Canadian side of things, since the US is so damn confusing for me to explain.
In Canada, we have a progressive tax system, this means everyone is taxed differently, and the higher your gross income, the higher your gross taxes.
Anyone earning over $222k is paying 50% of taxes to the government. Anyone earning over $222k is considered to be "rich" by the Government of Canada. They are in the highest tax bracket.
Anyone earning $111k - $221.9k can be considered upper middle class. Anyone earning $55.5k - $110.9k can be considered middle class. Anyone earning $27.75k to $55.4k is considered low class. Anyone earning less is considered in poverty, or classless.
Now then, these are all BEFORE tax numbers, so people earning $111k - $221.9k will pay around 40% into taxes, this means they're basically still getting taxed a fuckload. If you're earning $55.5k to $110.9k you're gonna be paying around 35% in taxes. If you're earning $27.75k to $55.4k you'll be paying around 25% into taxes. Anything less and you'll be paying a very small amount, around 15% or so.
This means, even if you earn a gross salary of $222k, your lifestyle is only $111k. If you earn $111k - $221.9k your lifestyle is still only around $111k if you earn somewhere in the median.
So in Canada you're not really rich compared to others, everyone in the Middle class to Upper Middle class is similar, and people from the Upper Middle Class and the "Rich" class are also similar.
There are outliers though, like those who earn $400k or $500k, they'll still pay 50% tax, but they'll be the ones living the good life in Canada, without a care for the price tags of things.
It's similar to the US, except in the US the differences in Income is visibly portrayed, however in Canada its very hard to see how much a person is actually earning.
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>>963281
>Okay so I'm going to give the Canadian side of things
Thanks, that was a real time saver
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>>963281
>50% of taxes to the government
How does Canada still have any citizens that just aren't too poor to move away?
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Is silver a good thing to buy right now?
Looking to invest some of my /biz/ profits. If I bought pic related, I'd be into these silver coins $18.31 each
Looking to buy mainly for if something bad happens to our economy, I want actual money not paper for trading, etc.
I also wouldnt mind waiting 6-18 months if you guys think prices will drop. How to predict this? Wat do?
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>>963094
its going to go up around 30$ - 50$ before the end of the year along with bitcoin.
How volatile bitcoin and gold and silver are going to be i'm not even sure why people do stocks at this day and age.
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>>963094
why do you people buy minted commodities? the apocalypse isn't gonna happen. ever.
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I just heard a story. Dude bought 60k in silver when it was $3 Used the bars as doorstops b/c green + 500lbs or something like that and a few coins.
2 decades later. Honey where's our silver.
what silver?
The giant green doorstops
I threw those out 3 years ago.
cant find the coins either?
nope.
Also ridiculous transfer costs.
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so /biz/,
I'm pretty much at rock bottom and have decided to join the military. I'm leaving for basic military training in 5 months. I'm going to be dead before then though.
>be me
>no skills/degree
>can't find a job about $8/hr
>be in college for 2 years studying aerospace engineering
>get sued by niggers who supposedly tripped on my sidewalk
>lose all my savings, car, and paid internship (no car lel)
>currently overstaying my welcome at a 'friends' house
> working at a mcjob making 7.25/hr
>half goes towards friend and the rest goes towards tuition/phone bill/credit card
>savings dwindling
>all the bars, grocery stores, and hipster stores in philadelphia won't hire without experience
>experience
>been showing up to interviews in suit and tie with a resume on special paper
>for a dishwashing position at 9/hr
>guy with experience gets chosen over me
>says I'm too qualified
>k
>hospital/city/prison or anything that doesn't require training is taken by niggers
>only shitty scams or uber jobs available
What the fuck do I do? I don't have any skills to whore myself out on Fiverr and mTurk doesn't net much. I'm on my own here, no family, no friends, no assets. I'm not a woman or immigrant so the nanny state will just spit on me. I'm so fucking broke that I'm eating the bare minimum calories just to survive, most of which I get from work or buying in bulk.
I need some clever shit like starting my own company and pretending to know what I'm doing when I'm actually just hiring indians.
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>>963031
>get sued by niggers who supposedly tripped on my sidewalk
>lose all my savings, car, and paid internship (no car lel)
???
why no family/friends?
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>>963031
You can't get a dishwashing position?
Literally just show up in jeans and a neat t-shirt. They hire ANYONE
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To what extent can IQ act as an upper limit to earnings potential?
I'm about ~115, is that good enough to be STEM mustardrace?
74 Posts / 10 Images
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> Thinking an IQ score is gonna have a big impact on how much money you make
Back to /b/
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>>963028
IQ means close to nothing.
IQ tests are significantly flawed as they currently are and being smart doesn't necessarily give you good skills to make money.
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>>963029
but IQ correlates with income.
Anonymous
Condominiums - Good investment, or garbage? 2015-11-17 02:42:06 Post No.962974
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Condominiums - Good investment, or garbage? 2015-11-17 02:42:06 Post No.962974
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Condominiums - Good investment, or garbage?
Anonymous
2015-11-17 02:42:06
Post No. 962974
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So /biz/ I am 29 and I still live with my mom. Mainly because I don't enjoy spending money and renting is godawful expensive. I am cheap and buy like $3000 cars and eat PB&J sandwiches and stuff like that, and just hoard money. I make about $62,000 a year and my expenses are about $300-$600 a month (helping mother out, groceries, etc). Any how, I can't live with my mom forever and I have been looking into buying a condo because I am lazy and I don't want to mow lawns, etc etc. I have spent the last 15 years of my life in duplexes so I understand the dangers of a shitty neighbor.
...but for being /biz/ related: is buying a Condo any better than renting? Is it better to buy an actual house? I see the condo as a happy medium - low upkeep plus the benefit of actually owning something instead of pissing away money on rent. I figure I could pay it off and then rent it out and move into an actual house or a bigger condo in like ten years.
People at work advise against it, citing starting a family, ect - but let's face the facts, I am 29 and I have never been on a date much less gotten laid, so I'm not really too concerned about that aspect.
I'm anxious to see what /biz/ thinks. I would look into buying/moving next spring or summer.
13 Posts / 1 Images
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>>962974
Condos are great
Honestly detached homes are ridiculously overprices
Go for it op
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>>962974
Problem with condos is they are a bitch to sell in some markets. So if you ever want to move, you may have to just consider it a sunk cost.
If you do the math and it's cheaper than renting over the term you plan on staying there, go for it. Nothing wrong with living modestly.
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depends - mainly on the market
Real estate in a growing market (DC area, SF, really most larger cities and some medium cities - on the coasts, not so much the midwest) is a decent long term investment.
But - with a condo, there are tons of expenses you don't necessarily control. If your neighbors decide they want to upgrade the HVAC, you have to pay also. Need a roof? you will get an assessment. Repave the parking lot - pay up bub.
A better option MAY be to buy a duplex and rent half out. The rent should cover about 75% of your PITI at a minimum and that means you will only be paying about 1/3 as much as if you were renting. Meanwhile you are also earning equity.
You will need to bank funds for repairs and also will need to make sure you have a reliable handyman. You can hire a lawn service for what you will save on rent, or you can ask the renter to do things like mow/etc for part of the rent.
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who do you work for and whats your economic forecast for the next 6 months to 1 year?
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>>962962
The Jews.
Pic related.
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Myself.
Cheap oil will persist and help consumers and companies using petroleum as feedstock
More domestic oil bankruptcies and loss of high paying jobs will eat into us growth
Oil exporting nations like Venezuela will go closer to the cliff and get pwned
Shale debt could become a problem but I see that more long term
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>>962962
marketing
modest growth
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ADVICE
>No job atm
>21
>Just got $600
>Got classes (Math Major "Not Teaching")
>Got a car
>Could buy server components for +$350 (learn a fuck ton)
>Could save to rent an apartment with nursing chick +20hp
>Could start +30min commutes
>[Confliction Intensifies]
One more year in Uni. after this winter. Planning for entrepreneur/sk8er lifestyle commits after college. Getting out of the U.S. ASAP.
Opinions Please.
16 Posts / 10 Images
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>>962782
Why don't you get a job?
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>>962786
Would but course chart says..I'm booked
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Can I be canned if I'm an at-will/seasonal employee if I get admitted to inpatient care for severe mental illness? Does that disability act protect me for this?
I can't fucking take it anymore but I don't want to lose my job. I just need a few days.
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No dude, go get help
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>>962735
What do I tell my employer?
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You got sick and went to the hospital
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Economics/Finance VS Computer Science?
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>>962716
Computer Science
Trust me.
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>>962716
What do you want to do with your career? Generally speaking.
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>>962716
go into trades, the most physically exhausting one you can do
Anonymous
Your worth as a human being 2015-11-16 23:04:40 Post No.962679
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Your worth as a human being 2015-11-16 23:04:40 Post No.962679
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Your worth as a human being
Anonymous
2015-11-16 23:04:40
Post No. 962679
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http://fusion.net/story/41833/wealth-gap-calculator-are-you-in-the-millennial-one-percent/
Post your percentile.
I am easily in the 1%.
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>>962679
>I am easily in the 1%.
No you're not
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>>962682
Yes, I am. Your percentile?
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>>962679
I used conservative numbers calculating it (no OT, didn't include my 401k employer match, lower end on my projected investment income) and I got 24%.
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What's the most immoral, yet legal, /biz/ related thing I could do?
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Shouting into cunts painted by bastards
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Suck dick for money
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>>962667
Prostitute out your mother the suck the creampie out of her swollen snatch
What were the best business moves in 2014 and so far in 2015?
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>>962621
she's cute as heck. Dam f am
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>>962621
>>962629
Without makeup
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>>962638
no... no...
What is an easy way to make $50 a week (or more, if possible) online? I suck big balls when it comes to business. Is it possible to buy/resell things online?
I'm a freshman in college and just want to make a little money. I also have a couple of games on the Android App Store that I programmed but I've only made $1.00 from the ads in the past 4 months because I don't know how to get the word out about them.
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Just sell your plasma like every other fuck
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>>962801
why are you even posting here if that's the best you've got. OP pimp your apps more maybe? just having an app puts you in a separate category from the average internet person.
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>>962593
Sign up at one of those leapforce type sites and work hourly when you're not in class/studying/partying.
http://needyneetguide.biz
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I've been planning on starting a company, but the first thing I want to do is move away from New York, since I've lived in this state my whole life and have come to hate it.
I was thinking of Washington, but have also considered British Columbia. (I've also thought of California, if only for the weather)
What would be the best place to move to and start a business that isn't too "southern"?
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>>962574
>uld be the best place to move to and start a business that isn't too "south
delaware
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>>962574
i hope you dont intend on manufacturing that vile substance skub.
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>>962586
Do't you be talking shit about skub.