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The ask financebrah anything edition

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Thread replies: 306
Thread images: 31

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How have you improved yourself this week/month/year? Lifting isn't life, a well-balanced human being is productive, has hobbies, pushes him/herself to succeed, is charismatic, and strives to live the best life they can. Share your successes, failures, methods, and everything in between.

The sticky is divided like so:
>Recommended Readings.
>Some tips to get your life back on track.
>Study and Career.
>To-do list habit.rpg (If you’re TOTALLY Lost. Start with this one)
>Focus and meditation

Basic Recommendations:
>Have a productivity Framework that is flexible. A mindset that gets you going.
>Use a calendar, like google calendar. Hours and shit for things YOU WILL DO.
>Learn to focus.
>Do routines for things you should do periodically/daily, this should cover daily things or weekly chores such as laundry, cleaning, shopping.
>Identify and Eliminate conflicts within yourself.
>Focus on identifying the time wasters in your life and eliminate them.
>Focus on the essentials. If you try to do everything at once you’ll burnout. Little by little.

>This is a good ‘sticky’ for self-development
>This one is a good blog for resources of this kind. I’ve seen annons give good feedback.

http://youtu.be/b-a1jXgAsQI [Embed]
http://youtu.be/3Ao7rZ8-HWo [Embed]
http://youtu.be/iG9CE55wbtY [Embed]
http://youtu.be/ZtMm0swu5i8 [Embed]
http://youtu.be/vH0nP4NzS9M [Embed]
http://youtu.be/WxOFvpplvAM [Embed]
http://youtu.be/ix4xSzkqwhk [Embed]

>If you think there is material that should be added (Or taken off). Please say so.
>There is no central authority for the /SIG/, everyone could copy, modify and upload the info here in a latter post.
>To future curators of the /SIG/. Stray away from PUA, and avoid Fedora stuff please.
>If you try monetizing with this, I’ll cut you.
>I’m looking to expand the ‘how to focus’ Area. Please share.
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Material reading can be tricky. There will be trash here and there as we're not /lit/.

But we have to trust others.
Image related has a detailed list that an Annon provided on a thread a while back. If you got time to kill, click on the image, and read the descriptions

As time goes, the /SIG/ has had a couple of books recommended. I’ve done my best to try to get talks of the authors of such books so you can get a ‘piece’ before you commit.

Google a bit about the book, if you think you can get something out of it, watch the talk.
In my opinion, try getting the books “for free”.
If you read it and get something out of it, consider paying for the book.

>Michael Mauboussin, "The Success Equation”
https://www.youtube.com/watch?v=1JLfqBsX5Lc [Embed]
>Susan Cain, Quiet: The power of Introverts
https://www.youtube.com/watch?v=c0KYU2j0TM4 [Embed]
https://www.youtube.com/watch?v=85s9wJlzkrk [Embed]
>The Brain That Changes Itself, Norman Doidge
>Antifragile, Nassim Taleb
https://www.youtube.com/watch?v=k4MhC5tcEv0 [Embed]
>One Small Step Can Change Your Life: The Kaizen Way, Robert Maurer
https://www.youtube.com/watch?v=wWUDV6xJRPc [Embed]
https://www.youtube.com/watch?v=CMQb5FJrop8 [Embed]
>Mentally Tough, James E. Loehr & Peter J. McLaughlin
>Practicing the Power of Now, Eckhart Tolle

> http://pastebin.com/x7BbYimv
Reading material needs to be added/edited

Some free books for you to grab

The Way of The Seal
The Code of the Warrior - Rick Fields
The Story of Civilization - Will Durant
The Story of Philosophy - WIll Durant
Starship Troopers - Robert Heinlein 1959 (actually has a lot of really powerful character building stuff in there)
Bravo Two Zero - Andy McNab
Immediate Action - ^
Seven Troop - ^

Also, Project Gutenberg has Thousands of free books.
You could do lot worse than browsing their top 100
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>Freedom is having control of your life

You should at least have 3 hobbies/activities.
-One that will pay the bills, gets food on your table
-One that will keep you in shape. (lower you faggot)
-One that you're passionate about and might be able to develop into a career.

If you're into lifting, taking the tips to better yourself should be simple; as you already have built some self-discipline.

Make peace with yourself and the way things are right now.
Stop thinking the world owes you, how destiny ‘fucked you over’, how those guys have it easier.
Accept things as they are, realize that life is cruel and your circumstances are the ones you were given. You can’t do shit about the starting point, but you can move forward.

Don’t focus in what was given to you, focus in what you’ll achieve.

Eliminate the things you dislike about yourself, about your life. Is as simple as, do you enjoy your job? No? Take steps to change the feeling.
How are you gonna make that? You either make your job more enjoyable, or you change jobs. Simple.
You want a girl? how do you plan to achieve that? Are you too socially inept? Work on that.
Are you piss poor and can’t afford a decent living? Work on that too.

No matter who you are, where you are in your life, or how fucked up you think you are.
You can improve your life. Take control. Move forward.
Dreams keeps us alive, fighting for them makes us feel alive.
About 5-7 years ago, I was a fucking train-wreck.
Right now, I'm doing fairly well.

Get some discipline, set some goals and a way to achieve them.
Cultivate yourself, learn stuff, get your shit together.

And realize, understand. None is coming to save you.
You got to make your way through.
You NEED to take CONTROL.
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If you're still in School. For fuck sake pay attention.

MORE than half of actually doing good in school is attending, the other half is paying attention in class. So then do it.
Or stop it altogether.
If you’re in college and you’re not feeling it, take a semester to think things through.
If you’re in high school, don’t think YOU NEED to enter college to be successful. There are other ways…
Google just started hiring people who never went to college.
WATCH this talk:
http://youtu.be/iG9CE55wbtY [Embed]

Some learning resources, focusing in code since I’m an ‘IT’ guy:
First and foremost. Free language learning tool with a really robust app. THIS IS A MUST. Learning a new language will help you out no matter who you are.
Teaches you the basics, from the ground up.
Similar to codeacademy.
Personal favorite. This guy step by step, learns a shit-ton of programing languages. Give this a check and start watching something you’re interested in.
This one I really like, once you get your shit going, it puts you ‘objectives’ to solve through code, last batch are really complex.
It’s a really nice online-course platform. There are really good things here as well.
>openprocessing.org / processing.org / codepen.io
These sites display some really cool stuff, where you can also check the source code and modify it to see what happens.

As for career options.
Choose anything you want, If you want to go into Philosophy or Social studies, That's fucking great. As long as you’re passionate about it, you’ll find a way.
You can always become a teacher or a writer.

BUT BE FUCKING AWARE THAT YOU WILL HAVE A HARD TIME MAKING MONEY. Don't get a loan to study shit that will be expensive to repay.

Other than that, don't enter into something soulless just because 'I'll get money'.
You only got one fucking life, don’t waste it doing something you hate.
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You must have a to-do list, it's pretty essential.
As for which, there are several options
Google Keep, Evernote or whatever suits you.

But currently I suggest you use:
There’s even a /fit/ guild created to keep us in check.

It’s certainly geeky as fuck. But Gamification has been proven to work when applied to certain aspects of human psyche. Helps you stay in check and keeping your eyes on the trophy.

Stupid trivial things I used to do, I stopped once I placed them as ‘Bad habits’.
It also has a mobile app, while it’s a bit limited and on construction, it is free.

There are three main categories.
>Habits. These are things you do by impulse, not under a schedule. Can be good or bad.

+Go for a jog
+Sleep early/on time Sun-Thu
+Walk the dog
+Go for a ride
+Cook something new
+Go out and socialize
+Spend time at the shelter

-Drink soda
-Drink beers
-Eat Junk/Dirty bulk
-Stay up late Sun-Thu
-Fap [?]
-Play 1.5+ Hours vidya a day

>Dailies are things you ALWAYS do. Every day or certain days of the week. Planned, they are only good.

+Lift (m - w - f)
+Eat your macros(daily)
+Buy Groceries (Sa)
+Read 30 min (daily)
+Practice the Guitar 30 Min(daily)
+Study Video Editing 40 Min (daily)
+Cook (We, Sa)
+Do your daily points in duolingo

>To-Do are, well, things you must do. You can have a checklist within one To-Do.

()Fix the shelf
()Go to the post office and send the package
()Buy the ticket to the concert
()Pay the landlord
()Organize my trip to the moon
—()Get the rocket tickets
—()Get the reservation for the moon Hostel
—()Buy some moonars to have some local money
—()Buy a map of moon city

Seeing the numbers go up (or health go down) is a weird sort of motivation. I can vouch for it. Give it a try, if you have no idea where to start, This is a good one.

Fill your bad habits, put the to-do’s and take it from there.
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Meditation and focus is taking a Long fucking while. While I do meditate, It's not my strongpoint, so It doesn't come as easy.
Boils down to, meditation is really advisable in today's world of instant gratification.
It's important to listen to your own voice from time to time.
Mediation will help you focus on the long run, as you gain control of yourself.

Some (non-curated)resources I've been mentioned on the way:


If you have any recommendation, idea or something along the lines, Please reply to this post. I'll check them out.

As for Finance. That's also under construction.
But managing your own money is fucking important.
I'm just scratching the surface on it. I advice you check this:
And read the following advice from finacebrah
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To get started, you obviously need to get an income sorted, now, there are 2 main ways to make money, work for somebody else, or earn money yourself.

Working for somebody else is self explanatory, you go out and get a job, busting your balls, normally for peanuts if you don't have a great career, and doing that day after day, year after year. Is this always a bad thing? No, most people start here in fact, it tends to be a good, at least consistent way to make money. People do it there whole lives, and that's up to them.


Earning money for yourself.

Again, there are two ways to do this. Firstly, is ACTIVELY earning it, creating a business, that you work at and it provides you with profit, and PASSIVELY earning it, meaning you put money you already have to work.

I can't possible cover off every single way to actively make money in 1 post, but if it interests you, look into it. You can start an online business while you already have a job, if you still want the security. You can start a side gig on the weekends, you can import and sell at markets or online.You can jack it all in, and start a physical business (please don't do that without serious thought) Actively earning money is one of the most rewarding things you can do, IMHO

>Earning online

>Low start up cost businesses/part time

There are hundreds of articles out there, have a look, see what you think, and do your research.

You save it, live within your means, don't go into high interest debt, keep expenses low, the more you save, the more you can put to work, and the more you can earn.

Passively earning money.

I like to call this putting your money to work for you, it's takes money you have saved, investing it, and getting a return on it.


Yes. This is how most people become wealthy, saving money, and getting a big return on it. How do you do that? Again, there are hundreds of ways. As a general rule, the higher the risk, the higher the reward. What you invest in depends on your investment strategy.


Read it and create one, it should tie in to your long term goals that you set and have written down.

Again, too many different kind of investments to cover in one post, here is a good overview of them.


This is the risk order:


I personally prefer Real estate, forex trading, and stocks. There is so much information out there, I can just encourage you to read and learn as much as possible. See what suits your life and where you live. And never stop learning.



and finally, the most important one.

I want to be top of my class. I want to be that guy who knows the answer to every question. The guy who is one step ahead of the lectures.

But I cannot get motivated to study.

Nothing is stopping me but my own lack of willpower.
Congrats on answering your own problem.

You've just gotta try a ton of different strategies to keep you motivated, and once you find one, stick with it,
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>finance advice on /fit/

Better than 90% of the shitposting that goes on here.
Hey, I'm the guy from yesterdays thread who was talking about moving to Hamilton and doing Kinesiology at Mcmaster.

To the guy who said he went there and would ask about my situation for me, just letting you know I'm here and monitoring the thread if you had a chance to ask anyone.
Don't know why financebrah took the effort to write it. A tl;dr is

>work for someone or start your own business
>save and invest money

If you don't want to read it that's fine. I made it to help some anons who are stuck, and it has helped a couple of them.
I can approve. you might have some haters, but at least this can help someone. All it takes is to plant the seed.

Thanks man, as long as it points some anon in the right direction, it was worth writing. I appreciate the support.

I do agree it's a Wall of text, but someone is gonna see a module and read it.
That's why It spawns a lot of topics, because they are topics for someone who has no fucking clue on how to give the first step.
Not for everyone, but it will reach someone, and that will be enough.

On that... FinanceBrah, I want to start saving moneyz.
I could put something close to 500-1500 Euros a month, consistently for the following years.
I plan to leave it untouched for at least some 10 years.

I'm currently in Ireland, however I do plan to move, so I would like to have it be international.

Wat to do?
I cant seem to bring myself to care about assignments to do them before the last minute
it's like I want to see if I'll let myself fail. I always rush it out at the last minute and get a meh mark. I could be doing better I know it, I don't know why I don't want it or do it.
I've got an essay due this thursday I just started on and another essay due next thursday i haven't.

I'd probably put it in a vanguard fund or something, get around a 12% return on it, and when you move, just withdraw it or transfer it into that currency. Where are you looking at moving too?
What books would you recommend to improve one's personality? I just realized yesterday that the people I'm around don't really like me and I have very few actual friends.
ignore haters, thanks for all info

Thanks man, I appreciate it.


Gonna go with the obvious and say how to win friends and influence people.
thanks brah

Let me know what you think, I'll see if i can think of any more in the meantime.
I just browsed through the contents and it looks good. I've gained a reputation as being a very negative and critical person, and at a first glance, this book looks like exactly what I need.

It is a great book, and without being conceited, I personally didn't get much out of it because for some reason I seemed to posses the traits it spoke about, but I've heard of people who have had great success with it, good luck.
Got my 2 hours of work in, hoping to pump out a few more after dinner.
Financebrah, how did you meet your girlfriend and how the fuck are you managing to do such a long distance relationship? I currently only see my GF twice a month and its fucking kill me.
The guy who wrote "Mob Rules: What the Mafia Can Teach the Legitimate Businessman" gave a really interesting interview on NPR the other day, have you read it? If so, would you recommend?

Why are you called financebrah? What finance stuff do you do?

Should I study forex or security trading for monies?
In trying to find a food that will help me become Super Skinny.

I'm like 5'11 140llbs @ 18

Looking into becoming a model. What can I eat that has low calories and sugar but won't kill me. I will also being taking vitamins.
140 at 5'11 is already Super Skinny, sis.
>lift like , a lot
>doing great in school
>recently lost 25% of bodyweight in fat
>tons of chicks im talking to
>hot qts flirt with u all the fucking time
>get stares in hallways from qts
>parents proud
>life couldnt be better
>still have bipolar disorder + clinical depression but about to go to a psych, bipolar disorder is now less frequent
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Gonna post a couple of TL;DRs of stiff I've posted on /fit/ before that has had a good response

>you should compare yourself to others, not to make yourself feel good but to see what you like about them and what you don't. Use what you learn and apply it to yourself
>following that, 'If you're the best person in the room, you're in the wrong room.'
>you probably have people in your life you don't want or need. Get rid of them, they're usually a drain on resources and emotions
>one thing at a time. Don't overload yourself with self improvement; like the gym, you'll burn out and demoralize yourself
>try, try, try again. Fuck up as much as you need, unless you're hitting the same point, then reevaluate your approach to whatever it is
>be selfish. Be the star of the movie that is your life. If it makes you feel good (short and long term), do it.
>you do you. If vidya is your thing, play fucking vidya. If you dont like fashion, dress basic. If you don't care, don't pretend to
>don't be a victim, ever. If you let out happen, change. If it was unavoidable, you learn from it, take steps to avoid it again, or accept the damage without blaming others
>how would you live if you had someone knock on your door every morning and tell you how many days you had left to live?

I'll lurk this thread for a while, if anyone wants me to elaborate on any of these, ask. I've realized half of these on my own (with heavy guidance from 4chan strangely enough), and half of them by watching people around me
What do you guys think of Danger and Play?
How do you guys deal with wanting to improve at too many things. I've got so much stuff I'm working on sometimes it feels like I don't make progress on anything. Also it makes me feel guilty anytime I'm not doing something productive to the point I don't want to sit down and watch a movie ever.

Right now I'm trying to do all of the following:

Crush work - So that's about 8-10 hours a day but has recently paid of with a promotion and hitting 6 figures
Improve programming and data science knowledge base - Career related but not within the normal 8-10 hours I spend doing actual work
Fitness - Strength and cardio of course
Learn piano - Need a minimum of 30 minutes a day I would say to see real progress
Learn Spanish - Same as piano takes consistent everyday work
Become more handy - Just bought a house so I'm reading and taking on projects
Laying ground work of a side business - Have a few ideas would really like to try and run with one but finding the time is hard

Then I've got some hobbies I'm trying to learn or get back into such as
Fly Fishing
Pleasure reading (classics mainly)

How do you fit it all in? Does it simply come down to prioritizing and dropping some of the things I'm working on? I'm very close to putting Spanish on hold.
i'd say focus on one major thing, with your minor things daily

1 major - focus on side business

minor things - gym/ spainish/ piano

let's say you have 4 hours free, i'd go to the gym for 1 and a half hours, piano and spanish for 30 minutes each and then read a book about businesses

don't try to devide your spare time to even less intervals and get frustrated you aren't learning anything because you haven't given it enough time

i'd say make sure your "major" focuses of each day are at least an hour and a half long, and if you have more time continue with them; don't try to start learning about programming or build a deck
>don't try to start learning about programming or build a deck

Thanks what you said makes good sense but this confused me.
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Cool thread
I would like to tell everyone to swallow the Red Pill. It would change your life in ways you can not imagine.
you were talking about trying to become handy around the house, i was just joking about spending one hour learning about business and the next trying to build a new patio
What is that?
Jet Fuel can't melt steel beams
I think we should just smoke weed and fuck bitchs

Met her when I was working in the states. Eh it's been so hard, normally I don't see her for 3 or 4 months at a time.
I don't think id be able to do it with most girls, but this one is special, and we are almost done so that helps a lot,
I don't know. Wherever I find a job and seems cool. Would move to Russia, South Korea, India, Tanzania.
You name it.

I like being on the run.
However, I'm beggining to see that maybe I need to worry a bit about when I'm in my 50s or 60s.
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I take a year off 4chan and get my life together, and the first time I get back you guys are doing this shit? You guys are doing gods work.

Resources that I found to be the most valuable:

Personal Finance.
No need to learn daytrading or how to analyze companies stock valuations yet. And for the love of god don't buy individual stocks based on your "intuition" or perceived "knowledge". Buy Vanguard or your countries equivalent Index Fund. IN THE BEGINNING YOUR SAVINGS RATE WILL BE THE MOST IMPORTANT PART ANYWAY. Anyone can become Financially Independent, even while working at McDolans. The first goal at the very least should beto work towards having Fuck You Money, it will feel a 1000 times better, and you'll be able to be more selective with job offers and career choices. 3-5 years of living expenses is a good first goal.

All around awesome blog on saving more than you spend and how. tl:dr save more than you spend each month. It is actually doable.

Became FI mostly while being a student. Definitely more advanced, and his writings are for the more autistic types.

Tracks your spending. You have to be confronted with what you spend your money on (are those things really more important than Financial Security or even Independence?). If not Ameribrger (mint not available), I know in Scandinavia most of our banks have apps where you can see in detail all your spending with graphs and categories. This is more effective than any budget will ever be!

If you don't have much savings and can't seem to stick with lovering your spending: this is a necessity for you.


Will help with anxiety as much as many anxiolytics. Don't start with forcing yourself to try 30 minutes a day, you'll be overwhelmed and feel like a failure if you ever miss a day and then quit. Start with as little as possible, but be consistent. Sites in recommended order for a beginner:

Guided meditations from 2 to 20 minutes. Start with 2 min every day.
After the first free 10 days, you can find a torrent with with the rest, posted by the guy himself.
>Waking Up by Sam Harris
More in depth book, + for not being hippy eastern bs mumbo jumbo. Guy is actual neuroscientist.
Setting small but manageable goals and practicing consistency. One goal at a time (each week f.ex.). ALWAYS TRACK YOUR PROGRESS to hold yourself accountable and to get that sweet sweet sense of accomplishment. I look forward to checking out habit.rpg. So far I've used:

Every day to do a habit your chain grows longer, if you skip it the chains brakes and you start over again. (I prefer this over lyft.com).

To-do list program.

Or any other browser extension that tracks time spent and has a blocking feature. You should 100% make it lock with a password that only someone else has (I have it active 6 days a week). Tell this other person to charge you money if you ever ask for it. Otherwise you will get around it on your own.

>Friend and family
Give embarrassing pictures of yourself to friend and tell him to post them online if you fail your goal.
Betting money is another option.
Setting up a social system for accountability, I set up daily skypes with a family member to check up on learning coding from him and for me to keep myself accountable to someone.


For general life satisfaction, strength and sense of purpose. For me delving into Stoicism was key. Recommended places to start reading (2 fiction and the last one non-fiction):

>Zorba the Greek
Cultivating the good kind of IDGAF mindset about externalities through inner security. We should all be a little more like Zorba in spirit.
If you can stand SF, this will motivate you more than any Arnold or Rocky speech ever. A journey to become a man and the inner changes you'll go through on the way there.
>Letter of a Stoic by Seneca
Read one letter every now and then, made me rethink my whole life. These 3 books are the ones I reread the most.
If you're generally gloomy or angry about life, this journal is worth it: fiveminutejournal.com/
"The opposite of anger is gratefulness"

Jim Rohn's lecture from the 80's:
"If you don't like how things are, change it! You're not a tree."
"You can have more than you've got, because you can become more than you are"

im working on a degree but im not doing well, so even if i do get my degree (business administration) my job prospects are gonna be shit. im also broke as fuck. i feel like the only option i have to ever become successful is to start my own business but the idea scares me, because then theres too much on the line. i currently have an offer for a student job, which could be a great way to get some paid work experience, but from what i know about the job i dont feel like i am qualified to do it. no idea where to go from here.
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>Descend from fiery throne to the top of the space needle
>Engage in mortal combat with Jeffry "Muh CookieCock" Seids
>Emerge victorious as the aryan alpha god of Seattle proper
>Bath America in a cleansing fire on the day of the rope

10/10 plan
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See pic related.

I find forex the most fun because of the leveraging. Depends on your goals though.


Posted from phone and didn't turn trip on.
>The sticky is divided like so:
The sticky should be divided like so
>be tall
>have model aesthetics
>kill yourself otherwise

You've never seen a rich guy with a girl way out of his league?
I have seen plenty of cucks. To deny that women who aren't mentally disturbed don't look for the best possible genetics is delusion.

I mean that is true, but I have seen some dudes pulling out of their league. Or not everyone needs a chick to be happy
Hello, /r9k/

Just found this, for all you fuckers who were thinking about slacking off today

Nice one Financebrah.

>Having a motivation thread without including basedgod supermag.

It's like the guy wasn't even trying.
Whoever is running the sticky pastebin, could you include this? It's very nice, thanks to the poster!

Also, @
>Give embarrassing pictures of yourself to friend and tell him to post them online if you fail your goal.
I find that if you tell your friends that you are going to do something in general is good for doing it, since then you are not only doing it for your own improvement, but also for keeping/making a reputation of someone wh ogoes through with his plans.
I've always wanted to just put $1-200 dollars a week into a share account. How would I go about this? I'm an Australian teen.. my parents have played the stock market before and have been pretty iffy. I think they made 250-500k and bought investment properties and then lost 2-300k but had enough from the properties to cover it. They don't support me in giving me free cash and I hate asking for it when I want it, so I'm keen on getting started myself and investing in something worthwhile.

Any ideas on some reading ? Specifically Australian companies? I wonder what the monthly return would be like. If I could put 2-3 grand into shares and get payed out a little to keep re-investing I'd be over the moon.

Thanks for any help if possible.


Read those for investment strategies.

Second would be save up like 2k, and open a securities account with an investment bank, or your bank might do one. You don't want to buy new shares every week, because the brokerage fees will eat that shit up. Alternatively, if you want a good return on it, put it in a good aggressive mutual fund, and contribute to that every month.

Monthly returns/losses can be anywhere to +/-20%
Yeah I'm with the Commonwealth Bank of Australia so they do one under CommSec.

I'll have a look into it and pour some money into it, see how it goes. 20% of 2k is like 400 ish that's pretty fucking good monthly.

Honestly, if you only pick a couple of stocks, and don't have much idea what you're doing, its like 50/50 that you'll lose money too, you'll be very lucky if you beat the market yearly. If you want to do it for fun, thats fine. If you wanna do it for return, stick it in a managed fund, and watch what they do for a while.
Yeah I don't mind losing a couple hundred to learn a few things. I'm big on 'experiences' and learning new shit, even if it costs me. Nothing is more valuable than knowledge so I really don't give a fuck. If it turns out good and I can charm it I'll be happy.
How I can deal with the feel of be delayed among my peers in a lot of things (like social and romantic life ,studies ,works and experiences)? In some things I am late 5 years and in anothers 10 years.

I guess the best (and only) thing i can do its try to do my best and deal with it?
>The ask financebrah anything
We have /biz/. But go on, I'd like to hear your financial advice. Summarise your beliefs.

Find somewhere you can open a pratice account for free and start reviewing financials now, you'll soon see what makes a company undervalued, holding cash makes them grow, ect.


How old are you? Other than that, just don't compare yourself to people, just do your best. pic related.


Yepp, but a lot of /fit/izens only come to /fit/, and it's probably closest to a self improvement board.

24 yo

Eh you've still got heaps of time, but what can you be 10 years behind in, most14 year olds haven't done anything in life.

That's an easy fix, nothing to stress about.
So tell me your financial advice? You describe yourself as financebrah so I'm keen to learn.

There's 2 post of my financial advice. If you want something else, you'll have to be a little more specific.
Maybe for some people.
Besides that the kissless problem its the minor problem I have.
What's your investment advice?

What others do you have anon?


Well that would depend on your investment goals and knowledge.
currently finishing off 3 of 4 years of uni
no debt, paying my own way for everything thanks to working and saving up.
I'll have about 2k-5k in funds for next year that's mine since I'll have payed off my last tution fee
What should I do with it?
>Well that would depend on your investment goals and knowledge.
lel you literally dodge every question

just give me your core beliefs
What sort of education do you have?

Currently an accounting major, and my girlfriend is considering doing finance. Thoughts on the finance major?
>>Well that would depend on your investment goals and knowledge.
>lel you literally dodge every question

Holy shit, I'm not going to give the same advice to a 23 year old with no job and huge student loans, as to a 30 year old married guy with a family who wants to save for retirement. I'm not writing a book on investing for everyone, just helping people who want it. Also, I directed you to 2 posts of my beliefs.
-24 yo and only be in the 2nd year of university
-no job (ever) and no money
-kissless virgin
-lack of good memories

Besides that i have a lot of little ones that i cant solve without money

I went to school for 3 years and flicked between 3 different degrees and 3 majors in a business degree. Accounting is solid, lots of learning rules and stuff, gets pretty boring i found though, is good for the right person. Finance I found to be more fun, lots of advances math, things like the time value of money ect.

Depends what you want to do as a career.


If you want a safe return, stick it in a mutual fund, Have a look for one that historically beats the market. would be the simplest advice.

I've always wanted to learn another language so I checked out duolingo

I wanted to learn either japanese or korean but it wasn't on the choices, so I went with french


What degree, and is it a 4 year degree?

Get a shit job, or volunteer if you need experience.

Just get out there and socialize with people, you're at college, that's what people do. Eventually the girls will come when you have confidence.

Get a job, and you'll have money to solve the others.

Everything is solvable, we are all gonna make it anon.

I fucking love duolingo, I try spend an hour a day on it. Bit of advice, it doesn't explain grammar very well, so i'd advice getting a book on French grammar, makes it a lot easier.
noted. are classes advised for learning a language or is self learning sufficient?
> historically beats the market

This shows me you know jack shit about finance
engineering and its a 5 years degree.

Get a shit job its harder to get that a good one because every loser want one.I have seen 30+ yo guys working in mcdonald or moving boxes.

The guys/girls ratio in my university its 50/2 and dont think a ugly akward guy like me can compete with 49 chads.

I hope (if not i will buy a helium tank)
Then volunteer so you have something most people looking for shit jobs don't have, experience

And don't say you can't find a place to volunteer. Because that's a lie

Self learning is fine as long as you supplement it, if you watch tv shows or listen to radio of the language as you become more fluent, it really helps.


Don't an hero anon, we are all gonna make it eventually.
I really like the idea behind 3D printing and i want to invest something in it, but i don't know where to start...

Do you guys have any idea regarding this?
Papering over cracks general
i mean all you write there seems nicely structured and all but i cant imagine living my life like that (following all this) would be pleasurable at all.. actually i think it would be pretty sad

>Lifting always at the same days
well fck that.. what do you do when a friend wants to do somethign with you? you say no? i hope not

what if i feel like reading more? you just stop? lel

what if i have something else planned for sat? you dont buy groceries? have fun with your macros then

how is fapping negative?
whats the Problem with playing games?
why wouldnt i eat junkfood and grab a beer every now and then?

flame = true

It's only one tool in a toolbox to get people doing at least something productive.

Thanks man. Will probably write something on language learning resources (my main hobby, and part of what I work with) and sleep/nootropics later.
I'm gonna suck your dick once you do that, all three are areas I need/want to look into badly.
i see that yes and also agree with sone of it for sone sitzations. im not hating. i just had some questions about it and would appreciate answers. they were not just rethorical
Everyone doesn't have the same goals as you m90. Most of that shit has helped me.
You should actually just swap emails next time, hoping that you're both lurking is a bad idea.
Cultivate some discipline and start on them as soon as they're assigned. The material is fresher and if you force yourself to get started often the work ends up being way easier than you were dreading. Learn to command yourself and obey yourself. If you can take orders from yourself, then you can avoid the last-minute scramble.
Post it, fgt. If you want us to talk about it, give it to us.
Post body pics. Based on your stats, you are already close to underweight, you should be fine to model with your height.

How does your face look?
Any tips on becoming a PT? I find myself loving customer service but absolutely hating coworkers, since most are lazy and complain a lotm I work much better by myself.
Working towards selling sports nutrition products through ebay although I'd really, really prefer to do so through a local valet (eBay valet will not sell edible products) however i haven't had much luck in finding one. One of the local independently owned valets advertises themselves as selling items via eBay and Craigslist but when I got into contact with the business owner she said she only did so occasionally and was completely unfamiliar with the products I was trying to sell.

I'm also beginning to grow tomatoes to sell at my local farmer's market.
Self learning is not usable at all. It gives you knowledge of vocabulary and maybe a bit of sentence structure, but talking to people in the language, even in text form, is priceless. Consider going to french chatrooms to learn more.

What language are you learning?

Fapping and video games, while not inheritly negative, can be negative when done too much. I used to masturbate when procrastinating, and being on no-fap-ish thing helps with getting things done. The "time you enjoy wasting isn't wasted" thing is only true in small doses.

For the rest of it - you can make things flexible, the only aim is to get in a routine so you get things done, still a lot of time for friends.
How do I build confidence? I've been in my hoyse where my dad was a whimp and my mom was abused by my brother (both mentally and physically). I don't really know anyone who has real confidence so I can't ideal anybody because people like Arnold. Please help.
You can't ideal[sic] anybody because people like Arnold.... What are you trying to say?

Look confidence is built. Everytime you overcome nerves, confidence is built. A castle is build stone by stone, nail by nail.

It starts small. Real small. When you go buy milk as the cashier how their day is, mention the weather, real superficial.
Then move up, maybe you're sitting next to someone on the train or bus that you like the look of, say hi, you'll never see them again so what's there to lose?
Start something new, a hobby, somewhere unfamiliar and immerse yourself. Going to a new gym, or gymming on my own is still a bit difficult for me. Talk to a couple PTs at the gym etc stuff like that
Do you lift? Having a body you are fine with helps a lot. This wont be an instant process, so reading books like the ever-relevant Friends Influence People Whatever is good.
I would add the enchiridion by Epictetus and The Meditations by Marcus Aurelius
I lift and like my body. I just can't stand up for myself when bullied. It brings back terrible memories.
Start a martial art, then. Muay Thai is a functional one, but for more educated response, consider going to /asp/ and carefully looking for a thread.
I have terrible social anxiety and prefer talking to strangers online than in person. However I tend to get clingy and needy to people online. It got so bad one person doesn't even want to talk to me anymore (despite me wanting to talk to him). I not sure what to do.

Will you hire me financebrah?
Strange how it works out. I'm just as avoidant on the net as IRL. Social anxiety, sure, but no real social "awkwardness"; more a fear of building relations with people. End result is the same, I guess, except I have an easier time talking with people in general

I can agree with this, I think. Violence should ofc be avoided (and it's dubious how much it actually would help, at least with some of the more esoteric MA:s), but just having some kind of familiarity with fighting back or throwing a punch in the back of your head probably helps a fair bit
>Violence should ofc be avoided
Oh, I meant it as a purely mental pursuit. I added the functionality part mainly because if you are feeling down or angry, the feeling that you could use it and punch someone can put you on the path that leads to peace. The most spiritual person I know has been doing karate since he was about 6, which means that he could take pretty much anyone I know, but I am never afraid of it, since he is one of those "wouldn't hurt a fly unless life is in danger" guys.
That's not me btw. Any books you recommend?

Really though, beyond the things already mentioned before, I don't have much experience. I know quite a bit about some things that I have not actually read, but that's mostly superficial and for conversations that aren't this purpose-driven.

I can suggest you a movie though - watch American Beauty. Just because.
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any tips for wageslaving in a factory? I won't be able to listen to music or talk to my coworkers much (they will all be slavs)

I want to escape NEETlyf but last time I worked in a factory it was absolutely soul crushing, which given my depression isn't exactly ideal
Read some of 59 seconds: Think a little, change a lot.

It's a book that's presented in a very logical way, which is something that everyone here should like, full with citations. I think that it is a good read if your current goal is to get out of the emotional hole that you are in. In the worst case, you will waste a couple of minutes, in the best case, it will change your world view, so it's worth checking out. Nothing I've read so far can have negative consequences, and it helps you get to the things talked about.
Except I don't want to be like that, I want to be able to talk to people irl. And maybe get the friend lost back but whatever.
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How do I learn to accept compliments? I get more hung on the negatives than the positives and it depresses me a lot.
I can't really "give it" to you but http://www.amazon.com/Mob-Rules-Mafia-Legitimate-Businessman-ebook/dp/B004IYISX0
Change your focus. When you get compliments, believe the person saying them if you know them, and repeat them to yourself several times afterwards. Remember they're also referring to what you have done, not you as a person. It is external so keep it that way. Ultimately it is your estimation that matters, compliments and insults shouldn't really affect you either way.
But yeah, can't recommend much more than focussing your attention on the positives repeating them to yourself writing them down saying it out loud that kind of thing. Don't ruminate, it's a painful waste of your life which you'll only regret later, massively.
How do I stop comparing myself to others?

Honestly, just save as much as you can and get the fuck out of there.
first link on general
Stopped reading there
>first link
It's the second link. Looking at your reading comprehension, it seems like you stopped reading sometime in second grade.
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>Tfw USD just fell 2 cents
>Tfw now $6000 better off

It's been a good day anons.
tfw canadian and our dollar keeps dropping

The USD will correct quickly and keep rising, don't follow the canadian too closely atm.
I would like to remind you people a lesson I seem to have to re-learn a bit too often for my taste.

Tell your friends you appreciate them. In my experience, hearing someone say that they have not felt appreciated enough a single time is much worse than hearing "Oh, you don't have to tell me that" a thousand times. Think of all the times a single nice comment has made your day and made you feel better about a person. Think about how you've felt down because nobody said anything to you, and while you knew that they liked you, someone saying would have been helpful.

Just go and say something nice to a friend, even if it's the one that often annoys you or whatever.

I wish someone had told me that while i was at highschool
I've found from experience I'm much more motivated to pay attention and do work if I'm doing well in the class. Sure it sucks doing the work at that time but understanding and succeeding at the material makes class so much more bearable which makes the work that comes with it also much more bearable. Get ahead, stay ahead, and it all gets easier.
tfw swede and out krona keeps dropping because our politicians are fucking stupid
but I have failed to find another job for over a year now, I don't want to get stuck if it's going to be that unbearable

Do you have any training or education?
no I dropped out of school after underperforming because I'm a fucking idiot and I'm trying to get my life back on track

Eh you don't always need school to be successful. What do you want to do in life?
probably an entrepreneur or something that involves travelling or fighting I think, might go millfag but I need to get my medical records checked out to make sure I can join

Military is always a good choice if you're in it for the right reasons.
retarded neckbeard shit
Noone is in it for the right reasons.

I don't believe that at all. I've met a lot of people in the military who want to make a difference.
By shooting people for economic and corporate elites that only exacerbate foreign tensions and make the world a darker place? I'm certain there are many well adjusted and intentioned people that deserve respect in the army, but you can't deny that they're nothing more than puppets for the ruling class.
I wouldn't touch those boards with my smeggy dick but thanks.
>I've met a lot of people in the military who want to make a difference.
Those people are idiots then.
This isn't a thread for arguing about opinions on military
>blaming the genetics
not gonna make it
Hello Financebrah, and anyone else who wants to opinate, I need some help.
First of all, I'm currently a petroleum engineering undergraduate, which means that if I manage to land a job I'll be making some solid money, even out of college.
Recently I've started receiving a scholarship and after paying for necessities, I'm left with 66US$ in local money. I was planning on investing half of it, mostly to get some experience before I do it with real money, and spending the rest freely.

What I'm in doubt about is, should I do that, or just use the whole amount in myself? By that I don't mean drinking/going out, but stuff like whey and fish oil(I'm almost at the end of a cut from obese levels, so I want to start using those when I bulk), vitamin C for my acne scars, or clothes(for the same reason as the first items, fit is starting to become an issue)

That got a little long, so summarizing: when you have little money, is it better to get investing experience for when you start doing more of it, or to invest in yourself and raise the chances of getting a good job?

With $66, go out and have the time of your life making new friends and networking and getting them social gains.
oh boy the edgy anti military brigade is here
That's a good idea, I've been neglecting that side because I've been pretty sucessful with it inside college. I guess it's time to go out and expand my social circle now.
I was invited to hang out tomorrow and had postponed the reply, time to say yes.
Holy fucking shit bro, you've got a chance to be rich out of your mind. M8 if can't get paid work experience, do some unpaid volunteer work. Even if you have to do it for a whole year, do it. I'm a civil engineering student myself.
Also you can't invest in anything with $66. But then again I'm a recovering fatarse and neet. From my "common sense" (mind you I do some really stupid shit very often) you'd need to have a few thousands to do some relevant investing. But it seems like you'll most likely make it. Just don't fuck it up bro.

Shit this ended up longer than I thought.
>got straight Bs in school
>can now never become a doctor, an engineer or a physicist

is there anyway around this? I was predicted for straight As and didn't study enough because I was lacking in discipline.

That's good enough to become an engineer. Physicist too maybe.
no it's not? Show me a school where I can study a bachelor's in either of those subjects with straight Bs.
Everyone can be rich if they don't spend money like jaykwon when the welfare check arrives.

Oh, you're still in highschool? What the fuck does it matter then? Just go to your state college and major in what ever you want? What's your problem exactly?
I left school, you need straight A's to study for a decent bachelor's though.
Not this anon, but I have a habit with being clingy with people in real life. Likely because I have very few real friends I tend to latch on to certain people. This is the third time in my life I've gotten very attached to someone and I don't want to make them sick of me, but I find that I want to be around them almost constantly. Im not sure how I can give them space but also feel alright with my not being around them as often. Im guessing the obvious answer would be to make more friends, but I have trouble forming relationships with people I am not accustomed enough to, as in I tend to very guarded with people I haven't had at least a few months of frequent contact with. Despite having two (maybe 3) friends I'm bizarrely strict about who I want as a friend.
>http://youtu.be/b-a1jXgAsQI [Embed]
well that was pathetic
Yo I have a really dope girlfriend but I get insecure about my masculinity and shit sometimes. I know it's natural but I want to know how to get better with it. I'm only 18 so I assume it'll get better with age but any tips? Thanks bruh
Yeah, that's one of the shittiest videos I've wasted my time on.

>Horrible public speaker
>Entire talk is about rationalizing that if you're getting blown out by an alpha male all you need to do is ask stupid questions and this somehow makes you more manly
And you learned how to reform a house by magic?
And the investor gave 300k to a kid without education because you are cool and have a nice suit?
Hey does anyone know if as a foreign national I need any special requirements to open an LLC in the USA?

Put most of it (50K) into index funds. In 10 years you'll have made 50 K in passive income. Put the rest to traveling. For highest return on money, go to a good language school for at least a month in the foreign country, the better the school the more likely that the networking talent is better.
Also: http://www.mrmoneymustache.com/2011/05/18/how-to-make-money-in-the-stock-market/
tl:dr are you Warren Buffet or Gordon Gecko? If no, buy low cost index funds.


In general, I avoid actively managed mutual funds and go with Index Funds instead.


The Bet: Warren Buffet & the S&P 500 vs 5 mutual funds chosen by Protégé Partners


“Taken to its logical extreme, it means that a blindfolded monkey throwing darts at a newspaper’s financial pages could select a portfolio that would do just as well as one carefully selected by the experts,” - A Random Walk Down Wall Street


'...what you never have, he said, is any indication that past performance predicts future returns. “It’s possible that any one of these funds will beat the market over the long term,” he said. “Some of them will do that. But the problem is that we don’t know which of them will do that in advance.”'


So if mutual funds generally don't beat the market, but take more in fees, how much does fees actually matter?:

Jason: $100,000 growing at 7% (minus 3% in annual fees) = $324,340
Matthew: $100,000 growing at 7% (minus 2% in annual fees) = $432,194
Taylor: $100,000 growing at 7% (minus 1% in annual fees) = $574,349

Three people with the same time horizon, similar growth, but onle a couple of percentages difference in fees.

My dad and grandfather taught me how to do DIY stuff as I grew up. It isn't hard, and I studied it for a while.
He didn't give it me, had lent it me, I showed him my plan and he secured the loan against the house.

Ha. Yes. I'm doing it right now. Easy to set up and own, very hard to live and work for it in the USA.


Yep pretty much this. Index fund tend to be the best kind of mutual fund, unless you're feeling adventurous. You can hold them for a long time, but with an actively managed one, you tend to hold for less time, just while they are doing well for whatever reason.
I don't feel attentive enough in lectures, hell in all walks of life.

Does anyone have advice on changing this so I be more present?
lord have mercy
I woke up multiple times last night
2:30: 2:50 3:30 5:00
going to fucking end it if this keeps happening
happened two days ago and last month it went on for multiple weeks
Sorry if this has been answered but how do I deal with the niggling frustration of feeling like I'm too old for to be as close to the start line as I am?

Just a quick backstory suffered from depression, anxiety for a long ass time, my early 20's were a disaster I started to get my shit together around 24 now I'm 26 finishing up my first year of community college with all A's with hopes of become a psychiatrist. I'm gettin' fit, it feels great, been on my meds for about a year now and they're working fantastic I feel far more balanced then I've been in a long, long time.

Even though I've come so far and am proud of it every now and then the age thing comes up and just bothers the hell out of me. On my current path I've got another 11 years of school/med school/medical residency which isn't the issue, I want to do the work I'm motivated as hell to do it, that's not the issue just knowing I'll be a 30 year old sitting in a class full of kids in their early 20's, it bugs me.

Sorry for the long post but it's without a doubt my biggest hurdle atm.
University of Auckland will probably take you
Financebrah, I want to thank for your your commitment to these threads. I'm going to read all of the stickied content, eventually. I'm currently working a part time job (I essentially mow lawns and do soft landscaping). I've saved about 5k in the last few months and want to put this money to work. I'm 19yo from Aus and am interested in getting into the housing market similar to >>31446056

My plan is to invest in something low risk and keep working/saving until I can put up a deposit for a fixer-upper house. Here's to the future!
No one makes it through this alive. If you want to travel, travel! You can do it if you budget and plan well. Don't be one of those sadkunts that say they'll travel later in life. They have kids and then never do. I've read enough spiderman comics to know this.
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25 yrs old, & I've been stuck in the same minimum wage mcjob for nearly 4 years

they're making me a supervisor now but I'm freaking out a little, I don't know what to do.

I blew a bunch of money on camping supplies recently & I'm worried I won't even use them

fuck, real life is hard
how do i get a job as a SAP trainer or consultant?
What if I already took the blue pill?

Posted from phone, forgot trip.


Agree, they take anyone from what i saw haha.


Thanks man, i appreciate that. Honestly put that in a fund that will give you a good return until you have enough for a deposit on a house if you want to go the traditional way. Once you've started, its addicting. I'm already looking at houses to buy and do up where im moving too haha. Goodluck anon, let me know how you get on.


Rock the supervisor job for a while, it will look good on your CV if you decide to leave. Make sure you get out and use the supplies, I love camping, best way to relax and reset yourself, even if its just a weekend.
thanks, that's a very simple yet helpful response.
I bought around 1k of spearfishing gear and have used it twice. Sometimes you make impulse buys and romanticise how you will use it. Just gotta buckle down and learn to be frugal.
i'm goin end up liek this
For a person who is only "doing fairly well", what makes you think you are qualified to give advice to an audience of hundreds if not thousands on /fit/?

I didn't write it.

Fuckkkkk my phone. But yeah, I didn't write it, i do agree with the majority of it though, but everyone is different.
these threads sure are cancer
perhaps these are more to your liking

3 of those cancerous threads are at least fitness related. What's stopping you from recognizing this one as both cancer and unrelated?

You can always report it. It's it better to just have one thread where people can ask for self improvement advice than random thread popping up all over the board?
Oh I forgot that you are forced to read every thread on the /fit/ board. I can now understand your inconvenience. I bet you don't even lift.
there are boards that suit this shit and they're called
/adv/ /biz/ /r9k/
they all need high doses of chemo
I've started doing CS GO trading since a friend makes quite a bit of money on it.

I invested 50 dollars (keep in mind I knew basically nothing about the skins or the game for that matter) and right now I have ~90 dollars in inventory. 40 dollars in 3 days not bad.

I don't complain about everyone of them because they're not as malignant and persistent as this one.
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Nice trips. My thoughts on this are that it's a waste of time. Sure, you might gain an understanding of how to flip items and make some gaben coins off your hats. If you had instead done three days of work you would have earned much more than that. But keep at it if you think it's rewarding. No reason to stop if it isn't getting in the way of your goals and is done in your free time.

Severe autism detected
My friend makes ~2000 dollars per month. I'll get there eventually seeing as he's helping me.

Foreign Uni student, hard as fuck to get a job here
Wtf man. Do people really have money to spend on all this bullshit? Shits crazy.
My friend sold a knife for 650 keys.

If he were to sell those keys privately he'd get ~1200 dollars
Foler med deg, svenskjævel :(
Don't worry, we'll earn tons of money on immigration soon
He took control of the situation and fizzled the other guys ego in a way which made him seem dominant
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>Mitt ansikt når
Sentralbanken bestemmer seg for å beholde styringsrenta og krone sterker seg mot euroen fra 8,9 til 8,6 i.l.a. morgentimene idag.
Thank you.

I suppose I just need to man up now and get shit done so that it is easier in the future.
Not this anon but I also have problems with this as well. Like really badly, what should I do?
By the end of this year I will have an emergency fund with six months of living expenses, right now I have three months. Feels very, very good already at this stage.

I have also started investing monthly in index funds just to get used to it, this seems like the way forward for me.

Do read up on personal finance, being on top of your financial situation is a great feeling.
>Self-improvement for its own sake

A close call bump. How have you improved yourself today?
>cut through the huge stack of bills and mails I had just left to rot for like 2 months
>measured my dick properly with a piece of rope, turns its about +½ inch in both girth and width than I previously though
Basically that... One (half)inch at a time.

still waiting for this man to contribute.

Went for a swim and finished my book.
That's me. I've been swamped preparing for a work meeting tomorrow.

Free time has been spent making food with friends checking out habit.rpg. To quote anon from earlier this thread:

Maybe it's at least partly because I haven't touched any vidya in over a year (though I never played much anyway). I wonder what happens once you stop using it though. I remember from a study showing that giving highschoolers an external motivator to do better on tests (money reward) did have a positive effect up to a certain point, but once they stopped it their grades went down (became worse than before any reward system) since the external motivator had replaced their inner motivators. Though I doubt the rewards in habit.rpg are strong enough to have that effect.

What language(s) are you learning now, and what is your native language?

Meditated twice. Lift w/kettlebell. Had a great and productive time discussing a couple of new projects with a mentor from work. Also did all my arabic flashcards.
Did research for my master's thesis. Experimented with Ritalin, to discover that yes, it does improve my concentration and relieves my physical tics. Contributed to the discussion during my uni department's meeting.
how did you met the investor?
your daddy give you his phone number?

No. I met him though a group I'm involved with,

You can stop hating now and make your own /sig/ gains
How an investor with a lot of money give attention to a poor guy?
How do you frequent those places if you don't have money?
studied a bit, and i'll do it again before sleeping.
i'm a lazy faggot.
financebrah are you still online lad?
Best thread ever, making it.
Post the link to the new thread before this dies.
Yeah I completely agree I tried it with a couple of people I talk to but goddamn it sucked.
Just read this, turns out I might not be doing it right. How does one take/keep control of a conversation. Also does anyone have experience that goes something like this almost all the time; talk to a random dude but the next time you see him he just tries to ignore you ( I mean you can clearly see it in his eyes he noticed and remembered you but makes a poor attempt to ignore you, I mean if he wants I can teach him how to ignore people but why would he do it to me, come on get to my level if you want to do that), also other people you know from before just don't want to talk to you but you still go to talk to them to get rid of your social anxiety and to improve social skills but they literally became energy vampires and shit. If so how did you solve this and become a sociable person. Also people just ignore and stop trading to you mid conversation.
Sorry this turned out longer than expected.
Thoughts on investment in commodities? I'm a Mining Engineering student, and trends are showing huuuuuuge chance for serious money in investing in copper long-term

Also, investment directly in a commodity vs investment in a company that deals in that commodity?
I have no clue on investing but would oil and petroleum be better? People are going to need more petrol and since the prices are going up now they'll only go up more.

I'm back.
i like this thread financebrah.

youre a good anon, a decent anon.

i appreciate your wisdom, you have much to offer.
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None else has/had the same experience?
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>lifting going great
>doing really good in uni (biochem)
>got a good chance with this qt3.14 in class
>enough money to not work until I get my degree

>still lonely af
>only got lifting and studying
>nothing to do in the weekend and instead of wasting time I just study (reading other chapters from textbooks for fun...)
>besides classmates, no actual friends in this town
>was a loser in home town, so no friends there either

WHAT DO? advice please

I'm probably just going to say fuck it and focus on my career or whatever... thinking about asking my proffessor for a research position in the lab for during the summer break...
Or maybe I'll look for a new place to live, somewhere with housemates. So that I can maybe hang out with them.
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First thing is this... you won't remain alone.
Don't worry about that. If you are a man with a job, sooner or later a woman will want to breed with you. I'm in my 30s and witness this phenomena daily. Bitches' biological clock goes nuts and they grab a guy. There is no way a man working in a decent job in science will end up alone. So rest easy in that regard.

Next off, the fact that you say you've no hobby is precisely why lifitng is going well and your studies are good.

I have the opposite problem. I've too much to do, too many friends and too many interests. So, none really go too well. I've had to cut things out of my life.

So, lets look again at your state of play...
a) You're guaranteed to find a mate in the future, so rest easy.
b) you've got a simple life that you are in total control of

So, you're doing pretty well (that's without adding in the fact that you live away from home successfully (many people can't do this), you're lifting and studying well and you'll almost certainly have a good career).

So, you're pretty much set.

Now you want to ad friends. Good. You need to join a society in your Uni. That's very useful. Lifting, Chemistry, general bullshit, there's socs for all that shit and they are very open and friendly.

If you're bad a meeting people you can probably post on a societies facebook page / forum page and say you want to join but that you're shy and are worried about that. People will then make a conscious effort to be nice to you when you do arrive.

Think of these experiences as your education in socializing, just like you're getting an education in science.

Sign up for a charity challenge - a great way to do something meaningful, gives you a great short term goal, allows you to meet lots of people & usually gives you a t-shirt at the end to advertises you are a nice, caring person, who does interesting challenges. All of that will be true & you'll be able to meet friends / make friends based on those experiences.
Oh, and I should add, finding a new place to live with cool people is an excellent idea.
>you've got a simple life that you are in total control of

I've been thinking often about exactly this
this is the problem
life is way too fucking simple right now
I don't mean "easy"
I mean a simple life, just lifting and studying, not much else going on

also I'm not even bad at meeting new people, I just don't have that much opportunities to meet new people
the (small) town I live in is like 20 minutes outside of the town where my uni is
there is nothing to do here for students
and when I try to make plans with people from uni, they usually got other plans with their own friends

moving to my uni town and finding some housemates will probably give more social opportunities. so I'm probably going to do that soon

Haha, thanks though man, I appreciate it.
Any help plz.
When did you guys become entirely self-sufficient? I'm 21 and I would kill to be self-sufficient right now. I'm working on getting a job so I can save for university overseas when I finish my language exams so I don't think it'll happen before then
Depending on others gives you a large safety net, which should be used as much as possible (without becoming a leech) until you are safely able to be self-sufficient.

Depending on where you live, you might want to study in your home country, but if you are not from US, it is always a good place to study, given that you get in a good university. I would really suggest at least trying for some of the Ivy League places, since multiple of those have full need-blind admissions (check the Wikipedia article on that) which would make you nearly self-sufficient as you are studying, with the added benefit of having a great education.

Haha I stayed home as long as possible to save money.
>Freedom is having control of your life
>You should at least have 3 hobbies/activities.

This is the funniest shit I've ever read.
Your mom is the funniest shit I've ever read. uhh
Financebro, I truly appreciate all this, cheers mate. I honestly am pretty lost with life at the moment, will do some reading later after work.
Don't know if you're still here financebrah but I have a few questions. I was hoping you could advise me on what you would do in my situation.

1. I'm 23. I've been working a new job for 3 months now that I absolutely hate. It pays 41k which isn't bad for where I live (Rhode island ) , and it fits with my retarded major (political science). I had to bust my ass to get here, but the work is getting shittier by the day. To add to this, we are paid hourly, however it is expected that we stay, unpaid, at least an additional half hour late each day,plus an additional 1 to 2 hours when staff meetings are held. No work is left during these times, but the supervisor insists we must sit in the office regardless. I wouldn't normally care about this too much, but this additional time causes me to hit rush hour traffic due to where I work, adding at least 40 minutes to my commute compared to i I left when I stopped getting paid. Any attempts to compromise on this have been responded to by my supervisors saying I'm an "at will employee " and "we only expect the best here" implying I'd be fired if I make a big deal about it. This is for a high office in state government , so reporting it to a labor board really won't work when they also work for my boss.

All of this adds up to me spending about 11 to 12 hours a day prepping, commuting, and working. However, despite having an impressive resume, the job market is awful here, and government jobs are dominated by nepotism. I'm not confident that I could find employment if I left. This job would need at least 2 years before I could even begin to seek advancement. Is all this bullshit worth it?

2. On home buying. I've got 11k in a vanguard fund and 41k saved currently. I live at home but am being understandably pressured to move out asap. Starter homes range from 90 to 140k here for 2 bed 1 ba or more. Should I be considering purchasing a home in my situation? Especially considering the volatility of my job.
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I'm 22 years old and after spending 2 years in university studying history and 1 in 'high trade school' studying programming, I've realized that I just want a chill job and ain't nothing more chill than hairdressing, but people have always told me I'm smart and I had to study.

Is it a good idea to follow my heart and go for something 'lowly' like hairdressing? I feel like I'm wasting myself but I really can't be fucking bothered with anything else, I want something simple and manual, something you can just relax and not have to worry about when you get back home.

1. That all depends on what you want in life man, most jobs will start you off with a couple of years of bullshit, but if it pays well at the end of it, and you'll be happy after you've advanced, then it might well be worth it, I can't answer that one for you exactly.

2. You can put a solid 30-40% down on a house, if you deicde to stick it out with your job, then I'd say it was worth it if you have decent job security. The alternative, would be to buy a duplex and rent one part out, and that should cover all if not the majority of your mortgage, and give you a little more security.

I'd say yes, follow your heart, life is supposed to make you happy, but on the other hand, you're only 22. Might your outlook on life change when you're older? You don't want to do something now you later regret.


No problem, it's not all me though, but glad you're getting something out of it
Yo finance brah, assuming you had low risk investments, how long would you need to save to earn like 70k a year from your investments

Depends on the market conditions really. Safely, you can easily earn 5% a year, so you'd need 1.4m. With normally I use a 10% benchmark for average investment earnings from safe investments, so you'd need 700k. Really is dependent on a lot of other things though, that's just a guide.
Got it, I'm running a side hustle right now buying and selling phones. I guess I'll start saving before doing anything crazy, thanks man

As you save, keep putting it into an investment fund, it will add up quickly.
Financebrah, are you jewish?

Haha no, not at all. My ancestry is vikings way back down the line.

I do know lots of jews if that counts for anything.


>Bed is for sleeping, or fucking
And reading some fiction before falling asleep. Any other activity in bed will make bad associations and you’re more likely to stay awake. This includes no phones. If you use your phone as your alarm, leave it on the other side of the room and make the bed right after turning it off. This is one of the simplest habits to start off with which will have a significant effect on overall wellbeing. Make yourself accountable (f.ex habit.rpg, chains.cc /r/theXeffect/) so you stick to it.

>Read Fiction
Seriously. Probably had the biggest affect on me of all. Read on an e-ink kindle (my favourite) or a paper book, not the computer. Non-fiction doesn’t count, it just makes it worse. The goal is to help the brain shut off, not give it more to analyse. Since I started I never lie in bed thinking about random shit anymore. There are fiction recommendations in my earlier post and in the stickieposts.

Not just for going to sleep, but aim also for consistent meal times. Having a random meal schedule messes with your circadian rhythm. For me f.lux combined with an alarm telling me (in Samuel Jacksons words) “Go the fuck to sleep” helped the most with going to bed at consistent times.

Removes blue lights from monitor in accordance with the sun. Helps especially with delayed onset insomnia (difficulties falling asleep). If you live in a place with no sun during winter and 24 hour of it during summer it requires some cheating when inputting your geographical location.

Matters more than you think. Consider getting a sleep mask.

>No Water
later than 2 hours.

>Calories before bed
If you are groggy in the morning it could be from hunger during sleep. So if you don’t eat right before bed, an easy solution is to take a spoonful of peanut/almond butter or some nuts before going to bed.

Harmless and effective. I use it when travelling.



>No Water
later than 2 hours before sleep, so you don't wake up too early (or at night) to go take a piss. Also, no dilemmas with having to go after you're already comfortable in bed.

First of all, has your sleep schedule been consistently good for at least the past 10 days, do you even lift regularly, eat well and get your micro’s? If not, fix that shit before looking for quick fixes. Thinks of noots as supplements the same way as in lifting.

All around amazing resource and guide!

My experiences:
>Coffe + L-Theanine
I grind and Chemex in the morning and supplement 300 mg of L-theanine in pill form. Used to get anxious and jittery from coffee, after a 2 month break and now only drinking it with the L-theanine, that all disappeared.

>Bacopa Monnieri + Ashwangandha
Can’t really tell if the Bacopa has improved my memory, because I’ve been reading up on memory techniques so it’s more likely that the improvement’s I’ve seen have been from that. (Remember Remember by Ed Cooke is a fantastic place to start, and shows you fast what you are capable of). The same with the Ashwangandha، I’ve changed so many other variables (sleep, meditation, work habits, diet, cold showers, meditation) that I don’t know if it has had any effect. Though I will say that I am a 100 times less stressed now than I was half a year ago.

For setting the time to fall asleep. I wanted to readjust my sleep schedule so I used low doses (as discussed in link below) for a week. I wanted to aim for more than 1 day per hour I changed it to be safe. Now I only use it while traveling to get used to a new place to sleep and if I have jet lag. It’s cheap, it’s proven, and it has no side effects.

Things I have but still have limited experience with:


>Cold Showers
Shown to be an effective anti-depressant. I do it every day. I have stopped, and introduced it again multiple times, and I just feel better when I do it. Ice or ocean bathing + sauna is also amazing.

protip for everyone, start with the greeks
Your best bet is to get your footing in the practical field by taking advantage of your available job offers. Meet people who share your thoughts and make connections. That way, if you decide to start up your own business in the future you'll have people to back you up in your endeavors, which is very important
Thanks a bunch for this, I was going to post about half of these questions myself. As someone who has trouble with sleeping, how fast do you think I should adjust my sleeping schedule? I wake up at 6:30 on weekdays, and I go to bed around 11:30, though I am trying to push that back a bit, even with my somewhat major problems falling asleep.
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wow some prize, amirite?

I haven't found this to be the case. I'm fit, tall, and gainfully employed, and even older bitches won't give me the time of day.
When did you find the person you love, anons? Are you together with him or her?
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How do I deal with rejection? I wanted to make an aquantice a friend but I missed the signs he didn't want to be a friend. In the end I became super needy and self conscious. Not because he intentionally made me self conscious but only because I always compared myself to him and I came out on the bottom. He doesn't even want to talk to me anymore and a part of me still wants to be his friend. I don't know what to do?
>When did you find the person you love, anons? Are you together with him or her?

Thursday, 20th June, 2013, around 2pm.

You bet I am.
rejection is just saving time for both parties involved. Otherwise you'd have invested more time and emotional effort into becoming friends with someone who didn't want to be your friend in the first place.
What do you mean? I'm bummed out because it was all my fault and I was warned ahead of time about this.
He doesn't want to be your friend, that's just him being honest, and the earlier he told you that, the better for you.
Otherwise you'd just have become more invested into a relationship that never had a future because he didn't want it in the first place.

Rejection is a good thing, the alternative would've been him tolerating you, and you having false hopes for a friendship that is never going to happen anyways.

I think this anon is pretty spot on.


Thats me btw.
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I think I never fell in love with a woman seriously.
I usually find a woman, i like her, i like how she looks and her personality, and I wish she was my gf, but after a week I don't care anymore.
I see that now thanks for clearing it up. But how do I deal with the emotions involved? The sadness, anxiety, and regret? I feel terrible for being so needy and not sure how to let go.
it has happened already, don't let regret eat you up, there's nothing to gain for that.
Chances are, you will remember that situation in 5 years from now and still feel bad about it, but there's nothing you can change about that. Look forward.
How do you siggers feel about martial arts?

I feel like my confidence has improved hugely now that I know that most people in life who may threaten me / act aggressive to me aren't actually a threat to me.
Took me a sec to realize you were not calling us niggers in a slightly stylized manner. I agree with what you are saying, anyway.
yeah, combat sports are the best sports for developing confidence (and your personality in general)
One question: Why did you want him as your friend? For purely intellectual pursuit, to know someone in whatever position he is/might end up in, or because of romantic reasons?
how many years are left until you finish the uni?
you can be a hairdresser after that so you are in peace with your people, atleast you studied something "smart".
Anyways, you've never implied if you like History or not, if you don't hate that, you should keep studying.

1 week ago i had almost the same problem, but i'm too tired to write, and no one gives a fuck.

good luck anon

Did MMA and BJJ for a while and I loved it personally.
yes it's probably the cleverest portmanteau I've made in my entire life.

Actually, I should also add. Martials arts has been a huge deal for me socially too. I've made so many friends as a result.

I have to admit though, from my experience of ITF TKD, the fitness is very lacking generally - but that's why we lift I guess.
Sitting here and wondering, Nietzsche is spelled so weirdly in English, especially the 5 letters that make a single sound. Interestingly, there are languages in which it is spelled with four letters, for example Latvian, in which it's just "Nīče". I dunno, an interesting fact, barely related, but still.
I dropped university and am now currently with programming, I like history but studying it is an entirely different thing and I can't be arsed for it, same with programming.

Hairdressing on the other hand looks like the simple thing I'm looking for
Opposite experience for me. Confidence and fitness has improved a great amount, but I'm not making friends at my gym. Maybe it's because there's mostly turks and serbs there. I get along well with them, but that's in the gym.

I box btw.
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not really self improvment but I got a good job after being a neet most of my life

right now I'm thinking of getting fit because I'm a fat aging smoker manlet

first time on fit
also can you please tell us your story bro
Good luck, it will be tough. Really, really tough. Read the thread for minor details that are important, it's quite helpful.
Lol go back to sluthate faggot
noticed this too, really sums up my experience with /SIG/

everybody is talking about how they are so free/self made etc. but the only thing they're really doing is following a standard set of rules that /fit/ is telling them makes you a complete person.

I find myself giving more advice to people who want to make it but haven't yet, than people who come here to say they have made it.
I didn't ask for any of these feels

I've read them like 3 times in the last couple of days, its a decent collection.
Yeah it's very good. God damn that moon one is depressing though
fair enough. my point is "making it" is closing in on a clear definition on /SIG/.

sure there's some good tips and all, but alot of people should consider what actually makes them happy instead of chasing after an image painted by /fit/.

i'm definately not saying you shouldn't save some money, or working out is for losers, and hobbies besides shitposting on a somalian coconut trading board are lame. but i will say that the image /fit/ has of:
saving money
having a relationship
having a good job
having friends and 3 hobbies
etc. etc. will make everyone happy.

what is a goal worth if you don't know why you're chasing it. know what i'm saying?
Studying for being a hairdresser is not expensive.
If hairdressing seems something like you would really love, you should give it a try right now.
>but people have always told me I'm smart
I guess People = your family. Explain them your problems in the clearest way possible, tell them that how hairdressing would make you happy and how is that what really matters. I think they'll understand.
Also they can't tell you what to study. Hairdressing is better than nothing, threat them as a last option (?

I was/am studying something I don't like, decided to study that because I knew a bit about the topic.
lucky me, it was too early, I started this year, and I'm not even IN the uni yet, I have to take some exams so I can join.
I told my mother how miserable I was by going to the uni 5 days of the week to study something I hate.
They agreed about me studying gastronomy, and I already signed. It's expensive as fuck, atleast for my family.
I don't know if there will be something i hate about gastronomy, and I don't have much experience in the kitchen, but i love when I cook. I can see the results of the effort that takes cooking after a few minutes, and that makes me feel great.
My mother said that I should take the exams of the uni, idk.
The exams took place this week, today I saw the results and I failed in both exams. I can take another super-final exam to join the next month. But I don't wanna study anymore, but she keeps pushing me.

Explain the situation the most clear and detailed way you can to your family.
Talk with some non-anon friends about your problems, it may help.

Yeah I totally agree with you man. I think the point behind the thread is to give people who are lost ideas on where a good starting place might be, and to help them achieve whatever goals they might set.

On that note, time for a new thread, I'll go make one.
Hey man I'm studying electrical engineering at mcmaster I may not have specifics for your program but if you have any questions at all I'd be more than happy to answer.

I really love this thread. I don't come to fit as it's very hard to fit in working out with an engineering students workload but I try to do whatever I can.

Remember to always have a childlike sense of wonder. Be an open palm accepting of new ideas and world views that may contradict what you currently value and believe. The moment you become a closed first is the moment you begin to truly age.
He was everything I wanted to be: calm, cool (both as in "cool kids at school" and "cool under pressure), confident, relaxed, and collected. He was also more talented than me and more popular (though he admitted he wasn't popular still felt like he was). Everyone thought he was talented and wonderful. I figured "hey seems like a cool guy to hang around." I just wanted to be like him because he had everything together.

>look forward
This may sound stupid, but I worried I won't be able to. I sorta have a problem with letting go. I did learn from this if it makes any difference. And I think I won't make this mistake again. But who knows?

Did Taekwondo when I was younger, and some Muay Thai last year. Really enjoyed it, especially the Muay Thai.
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