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Archived threads in /biz/ - Business & Finance - 265. page
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yo niggas whaddup
Been reading some self-enhancement books and I would like to know, what's your daily routine, /biz/?
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>>
>Wake up
>Drive to OP's mom's house
>Fuck her
>Call my friends and let them know it's their turn
>Carry on with my day
>>
>wake up
>buy ethereum
>repeat
>>
Mine is:
-Calisthenics
-Shadow box
-Shower
-Learning python this summer(currently repairing my 2003 computer)
-Lunch at 15:00
-Read a book of self improvement
-watch some motivational videos of seduction
-Go out to learn to not piss on my pants while talking to women for 3 hours with some friends
-go home and have lunch
-sleep at 00:00-01:00
-Repeat L-S

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i have had two falling outs with business partners in the last two months. both women. the first one wanted to sell out in the dumbest way and had no logic to back it up. the second one wanted me to sign an awful 50/50 contract that owned half of my company. both times I was polite and said no and both times they crushed everything I held dear in nasty messages and wrote a ton of passive agressive shit about me publicly. (you know the whole ' why wont people just do what I say' getting five hundred likes bullshit). my question then is this par for the course how things...
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>>1422691
You picked women, so yes you picked retards.
>>
>>1422691
Sue them for slander/libel
>>
Go and find a mirror, look into it and say, "If its going to be it's up to me". Repeat until you understand what you are being told.

Don't rely on flapper.

Is not camwhoring on chaturbate essentially a waste of money for anyone who would be fairly successful?

I'm a decent looking tranny. Whatever you think about that there's big money in tranny porn and i can do it from the connivance of my own home. Even though my financial situation is fine (thanks momma and papa) isn't it kind of a waste if i don't take advantage of this opportunity?

Basically i guess i'm asking is the money from camming worth the porn of you being out there? Or am i practically throwing money into a fire every time i...
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Post ur body and ill tell you if you're cut out for it
>>
>>1422653
First this is a blue board.
Second it's not pertinent. Even the ugliest of CDs and trannies can make some money camming. Hell arguably even men are wasting their time not camming.
>>
>>1422655
Post it without sexual organs

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Hey /biz/ seeking some financial advice.

I'm currently trying to get out of debt and was hoping you would share some tricks of the trade or common sense with me.
Here's my financial breakdown:

16 000$ car payment - 143$ taken out bi-monthly. 5.9% with 4 years left
5900$ on my line of credit at 10.9%
I make 2900$ a month, with roughly half going to living expenses.

Thinking about consolidating the loans, going to talk to my bank to see if they can give me a reduced interest rate. I also have RRSPs through work where they are matching...
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>>1422627
>I make $2900 a month, and have about $1450 left over.
>How do I get out of debt, /biz/?

Jesus fucking christ, Anon.
>>
I'm in a very similar situation op. I have a 11k car loan (started at 16) and a credit line of 5k. I legally make around 2k a month, and anywhere between 500 - 1500 a month illegally.

I've recently paid off my 2k credit card and I've dumped a bunch of money on my credit line. All you've gotta do is cut your costs. Only spend what you NEED to spend. Don't eat out, cancel your phone plan, etc.

I figure that I can be debt free in 12 - 18 months if I keep doing what I'm doing.
>>
>>1423432
Drugs?

Is there any point in using a bank to trade stocks, rather than a broker?
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>>1422548
dunno about your bank, but I can shove money into a managed stocks, bonds, or precious metals account and the bank just does all that shit for me. it doesn't make as much money as micromanaging my investments would, but I've got other shit to do and I frankly find investment data boring to read. they can take their 20% scalping rate, it's still less than BTC taker fees and much less of a headache than spreadsheets of some business' dull quarterly statements that are full of lies anyways.
>>
>>1422575
In this situation, you could use index funds or ETFs though.

No homework to do, lesser fees, probably superior returns.
>>
>>1422548
That guy was beaten to death.

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>TFW found a youtube channels in my city of literal communists who have dozens of videos talking about how evil capitalism is
>They are saying that the middle class is living paycheck to paycheck and cashing their paychecks at those check-cashing places
>They are saying we as people are "entitled"(whatever the fuck that means) to healthcare and education

What the actual fuck, they have like 10,000 subscribers. Do people really think like this? I never knew it would...
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>>1422526
>2016
>being surprised by retards

they're everywhere breh, even in high level positions of authority.

9/10
>>
>>1422529
Can we even win the battle?

I feel like trying to argue against a mob of retards is just suicide and a waste of time, but given how dumb and lazy people are they obviously vastly outnumber non-retards.

What can we do? Should we blend in? A couple times I went off in public when someone mentioned capitalism is wrong or something, they just looked at me as if I yelled "nigger" at the top of my lungs
>>
Kill me, Pete

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I just got hired on at a large tech company. I have the option to set aside part of my pay for stock up to x amount, so say I put aside $1k a month, every 6 months I will get $6k in stock, priced at the lowest point in that 6 month period and discounted a further 15%. It goes directly into a trading account and I can cash it out that day. Is there any reason I shouldn't put aside a big chunk of my check to do this?
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>>1422499
Reasons you shouldn't do it:
1) you have debt you should pay down
2) you need to establish/contribute to an emergency fund
3) you are not confident in the company's stock price going forward, but if you're gonna sell as soon as you get it no big deal.

other than that sure go for it. unless there's some tax differences I'm not aware of, I'm assuming it'll be normal income taxed.
>>
I do it for my company's stock and my regret is not buying moar especially if it pays dividends like mine does. Only reason is I think that they tax it like crazy if you don't hold it for two years.
>>
>>1422499
You'll get taxed at capital gains tax-rate instead of regular income tax-rate.

>Protip: CGT is higher than income tax in all Western countries

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I popped into the Eth reddit and it's seriously creepy. It reads like fanatical cultists chanting

Read in a monotone droning:

"I 100% Support ETH"
"I 100% Support ETH"
"I 100% Support ETH"
"I 100% Support ETH"
"I 100% Support ETH"

There are people here who willingly handed their money to this group of mentally ill fanatics.
God damn.
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>>1422446
dude ethereum was always a troll by a skinny autist suffering from acquired immunodeficiency disorder

why are u surprised lmfao
>>
>>1422446
it's so the ETC people will stop saying "ETH DEVS ARE DEFECTING. I SHIT IN MY HANDS AND RUB IT ON MYSELF. AHHHHH"
>>
>>1422458

Reeks of insecurity and desperation. If Eth is the main chain then actually develop something that isn't a complete clusterfuck and prove it's worth. People can easily cut through this sort of noise and empty rhetoric.
Same goes for ETC

But this, this is just sad.

Does anyone regret doing business in school? Or even as work/career?
I did a Business admin. with a minor in Econ and a concentration in Finance. I work in sales now. I fucking hate it. All my life I became great at the arts. Music, film, drawing, building, cooking, etc. I'm a hands on man and creative as fuck. I've been asked if I plan on producing or writing anything I talk about, and people are impressed when I do something "artistic". But I chose business because I was a poor kid who wanted to be rich like all the rest. It's not too late I suppose,...
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>>1422442
I am in the same boat as you. I pretended to like sales and marketing, but as soon as I got in the industry I started hating my life. On the other hand, though, I would have been a starving artist. I only got a business degree to satisfy my parents.
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>>1422505
What's worse is I'm not even that bad at sales. I killed it at the last company I worked for. But I dreaded being there everyday. This one is even worse, with slightly better pay. I'm 24 now. I hear from older folks how my life has just begun and all that jazz. But God damn this shit sucks. I have nightmares about getting comfortable making just under 6 figures and every now and then 6 figures, marrying some former whore bitch in my office etc. I've lived too much of an interesting life to become this shit.
>>
I did business admin and graduated with a 4.0 but my retarded younger self didn't do any networking or internships because I fell for the "good grades will get you a job" meme. I don't really regret the business degree and but I would definitely have worked harder getting some experience and making connections in college knowing what I know now. I've got a career plan now but I could have started 2-3 years earlier.

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So heres the true story good read liitle long

http://www.rollingstone.com/politics/news/the-stoner-arms-dealers-20110316

Tldr
>two early 20 kids get into selling arms
>basically bush had a policy that adwarded certain percent of contracts to small biz
>these two kids get couple contracts
>than get one big contract by low balling all the big guys

My question is where did they get the money to buy the arms? One of the contracts...
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I read the book. You can find the contracts on FedBizOps. He got the money through an American financier and got the deals from the financier's arms dealer friend

This was the government using middle men to get quick guns from black market arms dealers

There's more than just weapons orders on FedBizOps
>How to get a loan
It's government ensured

The main guy started doing it when he was 18
>>
>>1422440
Did the Albanians not take a deposit? Some of the contracts were like $46 mil.

It just seems crazy risky to want to finance such a transaction never mind to two pot head kids

Was the book worth the read or does the article cover everything?
>>
>>1422455
It was mostly one of them, Efraim, and towards the end they hired a team.

In the beginning he scoured for financing just as much as he scoured FedBizOps. Remember, this money is essentially government insured

As for the arms dealer (where he landed the best deals) he was using Efraim just as much as Efraim was using him. He wanted an in on the US money.

Overall, this guy was big time. Besides the $300m Armenian deal, Efraim borough him nothing significant.

The guy used more people than...
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ITT: Stories involving people who expect something for nothing and/or attempt to take advantage of your skills?

> be me
> be 23
> know a dude from work
> explains to me about an amazing new idea
> says it's the new "Facebook"
> keeps shilling me this new idea. every. fucking. day
> says when he hits it big he'll take me along

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>>1422412

> arrange a job with him to get an admin panel done for 3.2k, give me 90 days
> kid says ight, I'll get you the money next week
> well it's now 2 weeks and I've only seen $100 with a snarky comment attached
> keeps going around in circles, giving excuses, blaming his "cfo"
> chocked this up to be bullshit a few weeks ago - before all this
> recently started launching my own product due to his inability to deliver
> selling a few products hur n' dur - telling him all of what's going on
> kid still on about his product, his dream, and "our future"

> he gets me a few clients tho
> gets me a real gem of a client
> client expects a whole website, back, front, left, right, and everything in-between
> client wants a panel for people to log into, including diff levels for these users, user management, recent sales, invoices - I mean everything - relatable to crm
> quote client 2.8k and give me a month or 2
> client declines and was expecting 1.2k...
> client got recent quotes from India for 2.4k - $400 you get English
> say gg and plan to use client's idea in the future
> cause' fuck your cheap ass - biz is biz

Welp that's the end of my spew really.

I've posted this as I'm frustrated with the fact this dude has been beating around the bush with nothing to show.

Moral of the story: Don't dick people around.

I want to hear your guy's stories and lessons.
>>
> I shrug it off as nothin', cause' it ain't nothin'.
>>
>>1422451

Oh you like dat bic boy?

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Hey biz,

I need a cheap laptop for office and looking at charts on Polo/Tradingview. Any ideas?
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>>1422396

I don't recommend amd and I'll shill Intel all day. I've had both and prefer Intel anyday, as I hate replacing hardware every 2 or so years.

With a laptop, don't go with i5. You either go with i3 or i7. An i3 will last you a good 4 or so years, while an i7 will last 6 or 7 years. You'll want 6 GB - 8 GB of memory with expansion of 16 GB or 4 GB and expansion to 8 GB - expect to expand in 1 year though. You can go with a dedicated GPU, as it takes a lot of relief off your CPU and...
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>>1422520

Oh and for brands:

HP = Dell - brand name, customer support, warranties, and build quality is meh - only get if you're a grandma that needs help opening ie really
Lenovo = quality build - ideal for biz
Acer = will get you by - great for budget - college status
Asus = God tier - you get what you pay for - quality - used mostly for gaming n' relatable shet
>>
>>1422520
>>1422525
Best buy employee spotted

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I'm going into my second year of college, and I'm absolutely broke and have no clue what I'll be doing for money. Since of my school schedule, a lot of places looking for people to hire won't bother getting in touch with me because I can only work 4 days out of the week.

I know how to program in HTML, I was a lifeguard for 2 years but quit in the long run because the pay wasn't able to keep up with my monthly bills.

Any advice on what I can do would be much appreciated.
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Maybe this isn't the right thread to be asking this question.. Just started viewing this site sometime about yesterday.
>>
Invest in kneepads

Goodluck
>>
>>142230
Thanks for the chuckle.

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/TrumpCoin Hold-Over Thread/

Waiting for the update from signal, bump limit reached.
Waiting to make /TCG/

>nocoiners btfo
Only future Chads allowed.
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>>1422122
>virus total coming back hot

The first link is the uploaded build result from Travis CI, and anyone can check the hashes between the first and the second to verify the MEGA one's authenticity.

There's a greater chance of the Windows TrumpCoin wallet in the OP turning out to be a virus than mine. Anyways, I encourage the actually security minded to compile TrumpCoin from source and avoid mobile wallets.

You can run AppImages in firejail...
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>>1422136
WE WILL RISE UP AGAINST THE RIGGED SYSTEM OF BITCOIN
>>
NEW TRUMPCOIN VID HYPE AS FUUUUCK

https://www.youtube.com/watch?v=WvBDCBOjDwk

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Does someone has a Morningstar subscription (or similar paying services) here?

What's your opinion about it?
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>>1422119
It's free at the library
They have Wall Street Journals too
Are you allowed to go the library?
Tell them you're playing Pokemon Go
>>
>>1422146
But what's your opinion on it? Do you find it useful?
>>
>>1422150
I do, especially the analyst's take on particular companies. When available, they have bear vs bull reasons to buy a particular company's stock which you can use for further research before deciding.

I second what the anon above me said: get the premium version for free somehow (like your local library)

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How the fuck do I pay for an mba from a top 20 school?


at each place it's like minimum 50k per year tuition alone

inb4 get employer to pay for it
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>>1422118
>inb4 get employer to pay for it

This is what you do.

Almost no one pays for an MBA out of pocket, it makes no sense. Especially given you need a few years of experience
>>
what about for someone coming from the military....
>>
>>1422130
> GI Bill
> Hazelwood Act (if Texas resident)
> Get high paying job without MBA and have employer pay for it

Choose one.

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https://youtu.be/tGk5ioEXlIM

This is all shitposting, right? Post-2008 hysteria?
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No, money is pretty crazy. That cartoon is a bit juvenile about the overall point, but it is correct. As a thought experiment, ask yourself why every country has/wants to have its own currency, rather than countries making trade easier by using the same currency?
>>
>>1422326
Oh, have you not heared about that new euro thing?
>>
>>1422333
Yep, quite an interesting experiment for the past 15 years. Its basically allowed Germany to control more of Europe than Hitler could have dreamed. Everyone else effectively gave up sovereignty.

How can I make $20,000 by the time I graduate college?

I'm 19, have $3,000, and I have 3 semesters of college left. So I'm on track to graduate winter of 2017. 20k is just my personal goal. I started trading in the stock market a couple months ago and have made about 120% so far. I also have a CS job at my uni that I will be interviewing for when I go back to school.
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>>1422098

>How can I make $20,000 by the time I graduate college?
>I also have a CS job at my uni that I will be interviewing for when I go back to school.

How much per hour is it? The first CS job I had while in school was just basic web dev stuff for $15 an hour. Followed by around $20/hr after about a year of experience.

I mean 20k in 1.5 years with a stable part-time job isn't all that hard, just work 15-20 hours a week.
>>
>>1422124
Yeah last semester I worked a web dev job at my uni for $10 an hour, 20 hours a week. I had to quit because my boss left. The job I'm hoping to get next semester is $12 an hour, 15 to 20 hours a week. But I'm not even factoring that into my 20k goal. All that money from working can just go to living expenses. I think I can get to 20k strictly through the stock market. I doubled my money in 3 months. Let's say I got lucky and it will actually take me 6 months from now on to double my money in the stock...
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>>1422131
Making money from the stock market that fast means high risk transactions. Whether it's realistic depends on your skill. A bad call and you can halve your investment rather double it

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What's better to rent apartment or house or condo? 22 so buying is out of the question
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>>1422024
live with parents.
save cash for a farm .
>>
Rent apartment in most cases

>>1422232
Why would you want a farm? They're not very profitable and you need a lot of labor to make use of it
>>
Condos are shit tier investments in the majority of cases. Most condos don't appreciate very much and have stupid annual increasing fees on top of the property taxes and mortgage

In the most vague and general example, renting an apartment is way better than buying a condo.

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I'm an illustrator. I was approached by a friend of a friend to draw storyboards for a cartoon series pitch which he's showing to a major network.
He said he would pay me for the work I do and if the show is green-lit, I can come on board as art director and get a percentage.

I'm just wondering how this works legally. I'd love to be art director for a cartoon show and get a percentage but I still want to be paid for the time I'm putting in drawing this whether it gets picked up or not.

What kind of contract should I set up to make...
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>>1422015
TL;DR, should getting paid for the work I do now and getting appointed art director be in one agreement or two separate contracts?
>>
>>1422015
Either get a lump sum agreement with your friend
Or
Get an hourly wage/per storyboard wage
make these paid on completion regardless if show is green-lit or not
>>
>>1422092
I plan to get paid for the storyboards whether it's greenlit or not.
My main question is, should I add a clause to this contract that says something along the lines that I will be assigned art director if show gets greenlit?
Or should that be a separate agreement altogether?

I'm looking for any more info than what I already have for relations to an oncoming Euro bank crash that is inevitable unless there's a billions bailout, maybe not even that will help sufficiently . Anyway, long story short:

Italy and has a bunch of loans (non performing loans) called 'Sofferenze' which are giving them a killing. These loans have been shared and sold to various banks , a lot of crap went to Deutsche Bank and connected affiliates and the loans are eating the banks into debt. This has been going on for so long now, maybe after 2008 /2009 , not sure, but the banks are in serious trouble and a bailout will be necessary at some point otherwise the debt's just going to keep being sold to other places and keep being stale.

Deutsche Bank price fell its all time low and keeps dropping , currently @ 11.33 .
All Italian Banks are down in the dumps reaching 2008 level pricing, Deutsche Bank passed their low of 18.01 , well over EUR 6.50 price difference. Take these what you will

I'm asking for any information from other people looking at this shit and speculations on how low this will drop before a bailout or bankruptcy in the near future.

I also recommended stocking up on Gold from now and shorting Barclays
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Me again,
Despite Europe's bank debt stacking up , DBK (Deutsche Bank) are being propped up by major derivative exposure amounting to 72 Trillion and keeps climbing . Although the majority is saved by their Net , this Net is at the expense of the various counter parties. If any fail to back up then the trigger is fired and things wont be pretty.

Moving on, another issue going on here are an increase in CDS's reaching nominal peaks in 2015/16, they're still not as high yet but they've been growing internally throughout the year.
The picture attached...
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>>1422820
Another CDS chart for DBK
>>
>>>1422820
Related Banks

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That feel when you have a brain that processes at near quantum speeds and can just autopilot rake in the dish
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who needs brain power when we can operate on FEELINGS alone
>>
>>1421982
OK Google
>>
Quantum is not a speed. But thanks for trying

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I told you motherfuckers to buy OGI, but you'll cowards didn't listen, shits up 14% again
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>>1421956
So, trading is halted pending that financing deal, thoughts on tomorrow?
>>
>>1422573
I sold at 14.7 percent yesterday and got out while I could. That sort of gain is unsustainable. The deal was for 17.5milliom Dillard's buying shares at $1.30 when I sold my shares at $1.61 yesterday. It will dip today, but not for long. Just like aphria did last week, but it is already past the point it was at before the dip.
>>
>>1422786
Just bought it back at $1.54

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I run a small consultancy business (I don't think I can name it here because of this board's rules on advertising and soliciting) which specialises in viral marketing and social media strategies. As such, our Twitter account is central to our business model. However, this account has been hacked, and is now posting spam links in tweets and direct messages, mostly advertising a "work from home, get rich quick" scam. I have been trying to delete the spam as soon as it appears, but it just keeps coming back. Also, I have changed the account's password twice,...
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>>1421851
Please help. This spam is ruining my business.
>>
You should ask in /technology/ board, not here
>>
>which specialises in viral marketing and social media strategies.

Heh. Live by the spam, die by the spam eh? Good.

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Why isn't intellectual propriety a meme?

I should have the right to do my original spin/take on a character without having to license it.
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>>
>>1421821
>boo hoo why cant I rip off other peoples hard work
>>
>>1421821
>why can't I profit from the work of others without their permission that's not fair DDDDDDDDDDD:
>>
I patent all my memes.

When did you realize you were /biz/?
29 replies and 5 images submitted. Click here to view.
>>
When i got addicted to money and realized that its the only thing that makes me happy for now.
>>
>>1421783
When I took my first profits as a middleman.
I was probably 8 or 9 at the time.
>>
When I took my first job at Carl's Jr. and realized you can either be a passive employee, or earn money by your own volition.

It only amplified at my first internship at a mid-sized company, when I personally met a true Monopoly Man-esque capitalist. I learned that the commissions that he personally earned from his clients on a monthly basis was much higher than the yearly salaries of his management team. The purpose of that whole company, with all of these employees (including myself) putting in 40+ hours a week for their livelihoods, was to ensure the owner had...
Comment too long. Click here to view the full text.

File: damn.jpg (187 KB, 1440x1435) Image search: [iqdb] [SauceNao] [Google]
damn.jpg
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How do you move out of a house you've lived in your entire life? How do you know where to go?

I need to move out but I have no idea where to go
20 replies and 1 images submitted. Click here to view.
>>
>>1421777
You never said "Fuck this place, someday I'm going to go live in....."?
>>
You just leave, pack your things and leave after signing a lease to a new place
>>
Search CL for apartments and housing.

Once you have looked at a few, then pick one.

Is getting a part time job as a server at a restaurant, /biz/ approved?
13 replies and 1 images submitted. Click here to view.
>>
Is being a wagecuck scrambling for tips /biz/ approved?
What do you think anon?
>>
>>1421761
But most people here have a similar job or are neets...

What other job am I suppose to get while in college?
>>
>>1421761
What's wrong with earning some investment capital with the skills one has?

File: MLM-Companies.jpg (36 KB, 400x400) Image search: [iqdb] [SauceNao] [Google]
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This is frustrating
>GF wants to get into LuLaRoe
>GF makes $5,500 down payment
>GF swears its not a pyramid scheme because there's a product.
>Show GF that it can only be profitable if she sells every piece of clothing (305)
>She says she can sell 305 pieces in a month despite having no sales experience. "If other people can do it, so can I."
>Show GF that it only looks like she's making money.
>Despite $12,000 in revenue, GF only makes $1000 profit if she continues to buy shipments of clothes
>Tell her that she could make $6,500 if she sells first shipment and stops.
>GF says I don't know how to run a business. Says you need to buy and sell.
>Show her that she would need to sell 4 entire shipments (1,220 pieces of clothing) to have $6,500 profit again.
>Tell her that she lives in the backwoods and that simply is not possible.
>GF gets mad at me and says she is already committed.

Anyone else have MLM horror stories?
18 replies and 2 images submitted. Click here to view.
>>
>>1421753
I know some people who actually are making money doing one thats kinda like soylent. I forget what it's called.

I was very surprised when he's like yeah i quit my job to do this and it actually worked out for him.
>>
>>1421753

> selling something
> ever paying upfront for product

MLM's should be made illegal already.
>>
>>1421753
Anon if you're girlfriend is dumb enough to fall for an MLM scam and refuses to listen to her SO about how it's a scam, you may want to seriously consider breaking up with her because that's not the type of person you would want to marry someday

File: wut.png (21 KB, 560x356) Image search: [iqdb] [SauceNao] [Google]
wut.png
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who is still using paypal, other than cashing out VCC/CC?
21 replies and 2 images submitted. Click here to view.
>>
Redpill me on paypal. It's pretty handy if you sell a lot of shit online, or even using that card reader.
>>
I use it to buy the odd thing on eBay every now and then ,that's it and that's all I need it for.If I could pay in Bitcoin I'd close my account.
>>
What?


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