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Archived threads in /biz/ - Business & Finance - 112. page
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>Marijuana stocks going to be in freefall again tomorrow

Well... it was a nice weekend I guess...
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>>1570670
Iktfb

Can't believe I got trolled into buying this horseshit...
>>
>>1570670

APH bounced nicely on Friday, the pullback may be reaching an end.

If not just buy the dip, don't be a pussy
>>
>>1570694
I bought APH at 3.95 and AGS at .33

It's over for me. Maybe ill break even in November... at best

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is going to College in Germany a good idea
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>>1570658
Berlin is now in range of short-range Russian nukes that won't be affected by NATO's missile defenses. It's also infested with Muslim rapists who will assault strangers for eating pork.
So no.
>>
>>1570658

Actual German here. You will have to be more specific for proper replies.

https://www.daad.de/en/

Is a reliable source of information on studying in Germany.

General rules: Studying in Est-German cities with 500k+ inhabitants implies good prospects for side jobs, internships, post-graduation employment etc. But rent is generally higher, so finding affordable housing may be an issue.

Studying in smaller cities or in Eatern Germany is the reverse. Cheap rents, no jerbs.
>>
>>1570791

Sorry for poor spelling. "Est-German" = West-German; "Eatern" = Eastern, obviously.

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New employer asked for a current pay stub after I acceptedoffer, during background check, to verify employment. I doctored my real stub and changed the numbers to make my salary higher. What do you think are the chances I will get caught and how would they catch me?

Anyone here ever committed this lie and NOT get caught? Would like true stories.
7 replies and 1 images submitted. Click here to view.
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Forgot to say, I and inflated my salary when applying so had to shop the stub to match
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>>1570628
The recruiter is probably not going to ring up your past employer asking how much you were paid. If they did that why would they bother asking you.
>>
>>1570637
Unless of course it was a test to see if you were honest.

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What do you guys know about small-scale viral marketing?

I'm starting an online store selling iron-on patches I design
I only need to sell a little under 50 of them to cover the production costs, but what can I do to get the products out there and hopefully start making a consistent profit?

Any and all ideas, links, or info is welcome
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What are iron-on patches anon?
>>
>>1570613
Decorative patches you can iron or sew onto your clothes or bags
>>
>>1570609
Affiliate marketing is the best form of advertisement. Find someone with a relatively small social media following (depending on your budget) and pay them to promote it. Works a charm.

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What do you guys know about services which you can use as fake work references?

I fucked my life up pretty badly in my early 20s. I had a shitty degree and couldn't get a job so I tried going back to school for a different degree but dropped out and just started playing poker. When the poker sites got shut down I started selling drugs for a year or so before transitioning into doing freelance webdev (basically competing with pajeets making wordpress and drupal themes).

I've been doing this for a few years and need a real job but my resume is a joke....
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>>1570528
make your own website (can make a coorporate website under an hour). get your own phoneline for fake company. add a fake address on google maps/yelp. get your bro/friend in on this.
>>
>>1570528
not sure saw kek

so i came to praise him for DGB

PRAISE KEK
>>
>>1570533
>get your bro/friend in on this.

I'm basically a shut in at this point, although I'm not an r9k virgin. I literally have no one I would trust with this.

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Why can't I just put a million dollar life insurance on a heroine junky
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Because they won't let you because they will lose their money before making anything from what you paid in.
>>
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>>1570524
I think someone did this with alcoholics and ended up in prison.
>>
>>1570524
For the same reason you can't buy fire insurance on someone else's house.
>sorry to hear your house burned down

Is there anything morally wrong with stealing from major companies?
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It is illegal.
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>>1570520
Lots of things are illegal these days
>>
Is there anything morally wrong with stealing from you?

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Why the fuck is this allowed?
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Its the safest investment vehicle there is.
>>
>>1570431
>Why the fuck is this allowed?
What's your point? You can't be trusted to exercise your free will to decide whether you voluntarily open a savings account with a certain bank, so they better outlaw it?

You must be 18 to post on 4chan...
>>
>>1570431
Momentum savings account is probably the best savings scotiabank has right now.

1.5% on balances over 5,000 - catch is if you take money out before the 90 day momentum, you only get .75% and the momentum savings period starts again.

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Looking for any richfags or people who really learned something helpful on /biz/?

tell us about yourself

>mfw no reply
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not a richfag, but I get my meme coin pump info on /biz/..

ETC, XMR, PotCoin.. its not like they werent shilled before they boomed
>>
>>1570427
Put they shill a bunch of stuff that doesn't boom too. How can you tell the difference? I need a good answer of I'll finally decide this board is useless.
>>
Richfag here, 95% of advice is total bullshit but I have gotten some pretty good recruiting tips.

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Why are Banks so evil?
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>>1570420
Because Bernie and Chief Warren say so!
>>
>>1570428
What? They regularly commit fucked up shit.

The latest being the Wells Fargo scandal where a federal investigation alledges approximately 2 million accounts opened falsely.

And the CEO selling over $60million in stock options just before the fraud was reported on...

Oh and all the bank bailouts which mean they're not really operating in the free market as any other business would. How can you possibly defend that?
>>
>>1570437
>bailout

"No Questions Asked LOAN"

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Does anyone actually manage to turn a profit with this piece of shit?

I imagine you could probably figure out a way with the virtually infinite faucet rewards. does anyone want to share any success stories?
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>>1570397
the house ALWAYS wins.
>>
>>1570410
not if you find a bug.
>>
>>1570410
Why do retards and losers think that parroting this statement is going to shut down discussion?

Even if that's true, people have still managed to turn a profit from gambling, so clearly it's possible.

You obviously have nothing to contribute to the thread, so don't bother replying. You'll reply anyway because of your wounded ego, but still.

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Hey /biz/, I work for a major auto financing company and I'm starting to notice some things that have made me question the stability of the entire business. Without going into too much detail, I've noticed that incidences of fraud are occurring at a higher rate, and this is just the fraud that we are able to catch. Most of this fraud is dealer's cutting corners so to speak, but the result is people getting loans that probably shouldn't get them.

Our delinquencies(mainly in subprime), as well as industry wide delinquencies are growing. Due to pressure...
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>>1570384
You can't get a subprime loan on a new car can you? and who gives a shit if it gets repo'd these people want to sell it 10 times over, from leasing to purchasing
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>>1571048
You're focusing too much on the collateral. Subprime loans do occur on new vehicles it's just not as common. Repossession is still a problem. Unless the unit is repossessed late in the loan, we normally suffer a deficiency even after selling at auction. If there is a deficiency after selling at auction you can forget about ever seeing that money since most of the time people don't pay after losing her collateral.
>>
>>1571062
I work on the manufacturing side, I don't see a problem. I am not worried about a bunch of used cars getting repo'd. I'm more concerned about uber and electric vehicles and that sort of shit. This is my opinion though, I don't know much about the financing side.

As long as we're still making new vehicles I don't care.

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Hey /biz? I'm stuck on this question for my econ class and need some help.
The CIA admitted to spending $60,000 to topple the government of Iran in 1953. In current dollars, this was worth about $531,517. Can this real figure be used to address questions as to how weak or strong the Mossedegh government was, and/or whether it was right or wrong to topple a foreign government?
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>>1570362
How is this a hard question? It says not shit, the only interesting thing about that figure is how small it is. So either the gov't didn't care a whole lot or the Iranian gov't was weak as fuck. Right/wrong not applicable to numbers.
>>
That's a subjective question. Weak or strong in what sense? Toppling a foreign and possibly hostile democratically elected government, and installing a friendly dictator because it was at the time in our economic interests was (in my opinion) wrong and extremely short sighted. In return for 15 years of the pro-west shah we created a monster. That's merely from an economic perspective, from a moral perspective it was even worse. When a nation like Iran has an election and says we want to pursue a new course that brings us closer to the USSR instead of America we as...
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>>1570362
What kind of fucking Econ class is this? My undergrad is in Econ and never in any of my classes did I ever get a foreign policy question like this.

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Alright you fuckers I got a risky one for you.

Strike force technologies $SFOR.

This could be a good one for they sued Microsoft and won, with 3 more lawsuits on the way.

This stock has gone up 16000% since march of this year, and has recently spiked. 40%

They have actual product that can be purchased in stores like target.

Yet it's only a penny.

But then again it's OTC so do you want to take the chance?
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>>1570360
Shut the fuck up rank15
>>
>>1570372
You have the wrong man
>>
here have some basic information

$SFOR If Missed, MSFT AZURE is confirmed using SFOR technology, for their cloud security- From George Waller Presentation on 10/11/16, Slide # 4

https://azure.microsoft.com/en-us/services/multi-factor-authentication/
http://www.nbbihome.com/pahcom/20161011.pdf (Slide # 4)
https://www.youtube.com/watch?v=3CaUrUSmtO8&feature=youtu.be
http://www.strikeforcecpg.com/about/

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Wanna help a dumb 21yr old out /biz/?

I've had a bit of a bumpy start to life, but my parents have decided to help me out by helping me build credit. I've been given the options of either paying off car payments ($370 a month, no interest or other extra baggage aside from general taxes,) or paying off a credit card every month.

If I chose the car payment, I'd get a 2017 model, but no credit card. If I chose the credit card, I'd still get a car (paid off,) albeit older and not as safe. CreditKarma (please don't laugh at me,) left me at roughly...
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>>1570359
go for the credit card and get a job. creditors also look at your employment. better if you are on the books. at least you get a car
>>
Why can't you just take the offer of a 2017 model and get your own credit card?
>>
>>1570359
for car just get a fucking used civic or corolla, will last a long enough time, and will save you a lot of money. then just get ur own cc and dont live beyond ur means. easy

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Anyone here that owns actually useful stocks besides penny or weed shit?

Anyone that does some real analysis on stocks first?

Im really looking at BMW right now. (the car company).

They have a price/book value rate of 1.15 and an annual BV growth of ca. 10%.

P/E is ~7.6.

earnings and dividends are also growing in the double digits every year.

According to warren buffets intrinsic value calculator BMW stock has a value of ~180 euros while only costing around 76 right now.

Any other well analysed stocks you guys are looking at right now?
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>>1570289
>Free trade agreements with UK about to go away
>ECB printing money and negative rates
>Greeks still broke
>Portugal, Spain, and Italy still broke
Good idea OP, put money in Euro.
>>
>>1570289
Book value is nearly useless unless you think the particular company is going to go bankrupt or if you're in a position to buy out the entire company.

BMW has a forward P/E of 7.5 and a P/EG of 7 which is very high. Apparently it's not expected to grow much at all. You're also paying a lot for its cash flow.

Honestly, I would give it a pass. It doesn't have good economics working for it either.
>>
B

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>have a sibling who declared bankruptcy in the late 00s
>they've paid off all remaining collections; others have timed out (seven year limit)
>they're now at 550-560 on their credit score
>need to move out of their shithole apartment for some place less ghetto
>all the good apartments require a minimum 600 CR
>they're asking me to be a co-signer, but I don't want to risk...
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can you handle eating a few months of their rent if they become a piece of shit if not dont do it. otherwise do it. its famalam
>>
>>1570235

They're okay, and I'm seriously considering co-signing, but in that case, I want them to break 600 so I'm removed from their lease anyway, so I still have the same question...how quickly can I get them past 600?
>>
>>1570209
If you have a credit card that reports, put them on your credit line but don't give them a card.

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How do I partner with a beautiful woman to viral the fuck out of her on the internet and capitalize

>Find hottie
>30/70 partnership
>help her come up with brand
>make social media shit/branding

here is where it gets tricky,
do I aim for a Niche like "hottie who supports Trump" and viral the fuck out of her on places like /pol/, or do I go with an SJW type deal and then capitalize off harassment after I spam her shit?

Is...
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>>1570208
yes, but its easier with prostitutes. also getting shit to go viral isnt that easy nor inexpensive.
>>
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you have to be FUNNY and she has to be HOT
I saw Ann Coulter bomb bad on some roast and it was cringey as fuck. Coulter is too old and not hot and she is definitely not funny. If your shit is cringey you will fail and Trump supporters won't help you
>>
>>1570348
Don't expect to be super famous. Just want a partner willing to work with me on slowly and steadily building a following. Then she can shill products and shit or we can find other ways to capitalize.

>>1570366
I am not going to even be known. I intend on being the puppet master who guides the hottie into building a following.

Obviously 99% of people will say I'm bringing nothing to the table. I don't deny I need a hottie to accomplish this, hence offering her 70%

I do feel I bring things to the table though.

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i have 10000$, what can i buy to make profit of selling it on ebay?
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you dont, trade crypto currencies instead

you're welcome
>>
invest it in low cost broad-market ETFs
>>
9950$ on cocaine 50$ on flour

A rich old guy told me married people are better workers, because married people (especially blacks) are less likely to use drugs/alcohol instead of working if they have kids.

so should I use Russian Chinese, Colombian, or Filipina mail order brides?
46 replies and 5 images submitted. Click here to view.
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getting married is a meme, dont fall for it
>>
22 single with no kids here, can confirm degenerate alcoholic
>>
>>1570189

Married people are better workers because they look forward to coming to work to escape from home.

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Lets countdown to the moon of DGB

right now it looks like a bullish pennant and could break out later this after noon or early evening

Praise kek
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I don't know, that looks more rabbitish than coilish
>>
>>1570161
like a rabbit bouncing?

top kek
>>
soon we find out

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>be me
>live in canada, decent job, $40k/year
>job has awesome benefits, 4 weeks vacation etc. but I'm looking to make extra money
>girlfriend makes 60k/year at a really small tech company

Her business partner has suggested recently that I could make extra money working as a bookkeeper for some similar small company in my spare time. I'm great with numbers but I have no professional experience bookkeeping, my job is totally unrelated...
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Don't have any advice for you. But tell me how are you people finding jobs in Canada ? I'm struggling to land my first job in Canada with a bachelor's in finance and accounting.

You should email me any positions available in your network or kik mocohocarolyn
>>
>>1570152
I wish I could help you. I spent a few years struggling to find work related to my education and now I drive a delivery truck. It sounds sad but I do really enjoy it...
>>
Not sure if I can do that. I guess I'll keep looking lol

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I had to reschedule a payment with a debt collector the other day due to pay roll fuckery.

At the end of the phone call the debt collector asks me if I have heard of Uber. Then she tells me if I sign up to be a driver they will give me a discount on my debt. Then she tried to offer me a high interest rate auto loan through Uber so I could become a driver.

Does that sound like predatory lending practices to anyone else?
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That's pretty shady
>>
>>1570135
>Then she tried to offer me a high interest rate auto loan through Uber so I could become a driver.
source on this?

how do we know this is true?
>>
uber is not really worth it at this point it will work out to minimum wage. they used to offer a higher percentage

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>be me
>be working for a plumbing company
>open minded about it
>4 months later
>hate it
>contemplating going to Uni and getting a CPA

What am i in for? Is it worth it? Are they even in demand?
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Wtf is this?
>>
>>1570126
What happens if you hate that too? What if you hate everything? What if potato chips started growing eyes?

You need to think these things through, anon.
>>
>>1570137
I bet he'd open minded about receiving the penis in the anal cavity too.

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>He has less then $500 in his bank account.
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You should have about $10,000 in your bank account at all times. $500? Get out of my face.
>>
>>1570065

Oh, i have 543,42€ i guess i am doing good?
>>
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Man, i am Brazilian, i don't have $500 in net worth.

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I'm completely renovating someone's backyard, I've done this before I've just never been paid for it...How do I give them the quote?

Do I just give them one lump sum?

or

Do I price out each individual material/part and show how it fits into the lump sum?
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>Do I price out each individual material/part and show how it fits into the lump sum?
Yes
>>
>>1569977
is it ok to include in the cost a charge for potential extra materials?

or should I just round every cost up to account for this

thanks
>>
>>1569977
This but inflate the cost of materials slightly so your cost of labor doesn't seem too high.

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Hey faggots I'm the guy who pumped POT
Next big pump is HUC - we did a test run earlier. Go look at the charts and market depth and the buy walls - and BUY THE DIP
enjoy
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>>1569966
How do you find out about these?
>>
>>1569966
naw man DGB is next

its going to hit 1000
>>
HUC is a very unique coin.. since it can be mined by playing a game.. nice concept. Good pump potential too, judging by the graphs.. Buy now or get poor

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So I was thinking /sci/ has a stupid questions general why shouldn't we have one? The first step to learning is admitting that you know nothing.
Finances can be confusing and complicated and some people might be ashamed to ask question because they fear to expose their ignorance, but no more! Ask any question no matter how stupid you think it is.

I'll start: What exactly is stopping me from holding a position just long enough until it turns into a profit. Sure there's the possibility it might never bounce back, but experience shows that values always...
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should I sell my twitter stocks now or hope for a little mini rally.
>>
also whats going on with VSTO? their the nations leader in ammunition so I was thinking about investing in them since elections always fuck up the firearms market. their stocks went down a lot over the last month, is now a good time to buy?
>>
>>1569945
sounds similar to the gamblers fallacy
basically the day you fuck up you get rekt and never recover

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Do you see all the money here? Why haven't you invested in rehabbing these houses?
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>>
you mean gentrification? because thats racist
>>
Takes much more than rehabbing homes in bad neighborhoods (the inner city) to make it a profitable flip. Whole neighborhoods usually needs to be rehabbed and the poor (often blacks) need to be kicked out in order to make the neighborhood safe. Also people want to live near stores they can walk to that they spend money at regularly. All these things need to be taken into account.

When I lived in Cincinnati I would often see flips like those homes on Realtor.com all the time, most of them take 6-12 months to sell if they ever do. The only ones that sell are near the University where lots of shops are and people can make profit renting the place out to college kids.
>>
>>1569983
>find nearby college
>buy entire block
>rehab
>refinance rehab loan
>rent to college kids
>profit

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>be milfag
>have supplemental income

Never been the type to save money outside of an emergency fund. I already invest, what else can I do to make my money work for me? Some outside of the box type shit. Have around $500 a month of unused cash.

I'm also in Japan if that means anything
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>>1569910
you want out of the box type shit?

>find two homeless bums
>pay them $100 each to fight, with the winner getting another $100
>use the remaining $200 for advertising
>sell tickets to watch a live bum fight, even better if they fight naked since the japanese love fucked up shit like this
>do this every month, and as the money starts to pile up, every week,...
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>>1569910
you should probably do you job instead of taking 15 minute smoke breaks after your 2 hour lunch, nothing worse than ITfag marines on iwakuni
>>
>>1569936
Not retarded enough to be a marine. Sorry


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