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Archived threads in /biz/ - Business & Finance - 3. page
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Oh god boys. I have truly done it now.
I quit my job last month and have already blown through my savings. and I need money immediately. Is there anyway I can make alright money quickly ?

I am completely fucked.
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>>1664688
One word:

KNEE-PADS
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>>1664726
adding a hyphen doesn't turn it into one word
>>
Invest in knee pads breh, you think this is a meme but you gotta do what you gotta do

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So I'm moving out /biz/ and I have a lot of useless things on my bedroom, might even amount to around 40.000usd or more. I don't want to sell them one by one on the online market, but yards sales aren't really popular in my country.

I live in Chile and the equivalent of my country is www.mercadolibre.cl

If I sell all this things (I can even sell my bed, I already have another one) I would gain a lot of money, perphaps enough to start an industry.
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>>1664681
>40.000usd or more
No.
>>
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>40,000 usd
>Start an industry
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>>1664689
Like 4 computers from 2009-2012, three macbooks, 4 iPhones, 2 HD TVs, a PS3 with like 150 games, a PS4 with around 15 games and the rest are school things. I also have around 200 pairs of shoes and clothes.

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I live frugally and dont go out at all, don't buy clothes, don't even have friends to go out with. All I do is work then come home and shitpost on 4chan. I've managed to save quit a bit of money over the last 6 months (£2500) and I'm thinking of blowing it all.

Basically, I'm 23 and can't even drive, no license either, live in a rented flat and wear old wornout clothes when I'm not in my work suit.

I'm so behind all my peers who all have degrees, new cars (wtf how), dress well, go out often with friends and still travel...
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15 replies and 3 images submitted. Click here to view.
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>>1664653
>biz told me saving money is the way to get rich
ok, blowing that little bit of money isn't going to help you 'catch up.' Not even close.

most of your friends are living on credit. Also it doesn't matter how much you save if you don't earn anything. Work on getting a better job. Work on getting a second job. Work on getting some credit. Hold onto your little bit of britcash, you certainly worked for it.
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>>1664653
You will regret it immensely. You need to reach out to people and build relationships if you're so depressed about it, not throw around well-earned money impulsively.
Put it in an index fund or some shit.
>>
>>1664668
this, most people are poorfags just living off credit, myself included

i mean as long as you can sustain it youre "middle class" but reality is we are allporrfag

i failed at university, where should i put all my efforts in?

>inb4 invest in kneepads
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>>1664649
learn an actual skill
teach yourself something
go to community college
work on a management track at a service job

university isn't necessary.

for example, go be a suckup as mcdonalds, and then you can go to burger university and become a burger engineer

(management thing) http://corporate.mcdonalds.com/mcd/corporate_careers/training_and_development/hamburger_university.html

even if you end up flipping burgers you can turn it into something worthwhile. don't lose hope anon.
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>>1664661
>burger engineer

no, you need to learn a profession for that
>>
>>1664649
>i failed at university

dont worry is not that important. I have never use anything I learned there. you go to a job and they give you a fucking manual with everything. you are just a programmable monkey. try to change something and they will laugh at you.
get a job and start grinding your way up.

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Is there any real trader on this shit board?

Or are all faggots here just average losers?

Can any real trader here give us some answers?
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try r9k
>>
Nope.

Every few weeks someone here will post that they are making hundreds or thousands a week from day trading.

Then some one asks them to post a pic of a few days of trades and they disappear. Shocker.
>>
I short-term trade not day trade (weeks vs days) if that's any constellation.

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Richfags of /biz/, what do your assets look like?
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>>1664589
they mostly look like 6 hanging file folders full of paper. If you want to see them I can take a pic later, but I promise you it's not impressive to look at.

they also look like a 3000 sq ft house on 3 city lots. Also a car and a truck. None of which are very impressive looking either.
>>
I'll start, not really a richfag yet but when my uncle died 3 years ago he left me about 200k.

>family home 230k (60k left in the mortgage)
>condo I rent out (55k)
>bonds 40k
>stocks 25k
>"daytrade account" 15k
>savings ect. 20k

My mortgage rate is pretty low but the bonds and stocks haven't really paid off that much either, should I pay off the mortgage...
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>>1664606
Bonds are for paranoid people who literally kill themselves if their investment fluctuates 5% in a year. Convert that into index ETFs tracking the S&P 500 and forget about it for the next 10 years. Just don't panic if they go down.

If your mortgage rate is below 3% I would keep it and make minimum payments. Nothing wrong with that.

How is that Condo working out?

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>waaah what's the point of making money if I will be too old to enjoy it, we all gonna die anyway
Man, y'all poorfags gonna feel so stupid once rejuvenation therapies become available but you won't have any money to afford them. And the fact that you could have invested or create a businesses years ago will be the fact that will hurt you most.
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>oooh it'll be so hard for me as a 60 year old to push the pedal down on this luxury sports car!! I'll NEVER be able to enjoy it!
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>>1664592
We are talking about an orgy.
An orgy of fucking multiple women. Many women. Fucking them. Every single day till your balls are dried up.

That's the dream.
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>>1664715
>the dreams of the most niggerized culture on the planet

Thoughts? Do you use this to make money? What types of items have the best markups? Any tips from experienced resellers?
6 replies and 2 images submitted. Click here to view.
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>aliexpress
>not alibaba
you're already fucking it up m8
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>>1664801
why tho ?
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>>1665543
B2C vs B2B

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I'm using about 5% of my investing money for day trading. Should I grab RH gold? I keep getting fucked on penny stocks by having to wait until the market opens and it shooting up
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I'm thinking of doing a one month free trial just to grab 2500-4000 shares of ETRM at .07 a share before the market opens Monday
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>>1664519
Why do you believe ETRM will go up monday?
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>>1664534
I'm very new to investing so don't take my word for it. A bunch of executives at ETRM bought shares recently. It's volume I'm pretty sure is increasing and a lot of forums/stocktwit are bullish on it. If it won't jump Monday I think it will eventually. Hell some people project it to hit $1-2 a share

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Is there any way to make decent money off of any sort of cottage industry in The Current Year?

I can work with my hands, but lack the sort of tooling and hookups for materiel to make proper assembly line tier stuff. Is there a market for one-offs and other "custom" stuff that is actually literally unique in that there is only one of them because it was made by hand without molds or jigs?
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There is a market and it's supplied by machine shops and it's more or less saturated.

My only real idea would be to make high end furniture or items like lamp bases and wine racks and shit that rich white women will buy and sell them to merchants dealing in such things or on a web page/ ebay.

The market for furnishings never saturates because wealthy people need status symbols.
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>>1664555
>high end furniture or items like lamp bases and wine racks and shit that rich white women will buy
Sounds good to me. I can do items smaller than whole articles of furniture (I don't have that much or that good tooling)

But what kind of shit do people actually buy? I don't hang out at IKEA and decorate my house with random shit because POVERTY A E S T H E T I C instead so I'm out of the loop in what trendy people put on their coffee tables (if coffee tables are even still a thing)

Do those trendy hipster stores that are kinda like thrift shops except actually really expensive buy things from random people to resell?
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yooooo lmao

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Hey /biz/, my school entered in this Stock Market game where the winner gets some cash prize. Well I dumped as much of my money as the shitty interface would let me into NVIDIA and it turns out I'm close to winning.

Catch is, the competition is ending soon, and I need to get lucky fast if I want to leapfrog the guy in first place. I need a stock that will either go way up or way down, and fast. Has to be on the NYSE too.

Pic unrelated
7 replies and 1 images submitted. Click here to view.
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ETRM will shoot up . If you can buy after-hours do it. It'll probably shoot up to at least .08 as soon as the market opens Monday
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>>1664484
When I did this in high school, there system was really shitty. If there was a penny stock worth literally less than a penny, the system rounded down and basically let you buy it for free. Bought lots and lots of free stocks, and when just one increased in value by a penny, my overall value crushed everyone else.
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>>1664542
lmao

did they ban that tactic?

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2017's our year guys.
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Triple dubs confirms.
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>>1664477
I believe. Thanks desu senpai
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>>1664478
Kek wills it

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>I am marrying a arab girl and importing her to my homeland.
>She has a university degree and is a language teacher.
>She will get work as a translator or english teacher easily because of refugee crisis.
>I will give her my bank account so her salary goes to my account
>She is very low maintenance. Doesnt drink, party etc. and doesnt have any hobbies.
>I get over 2000 euros per month of...
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>>1664459
OP, i have a feeling this won't work as you plan.
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>>1664459
>having to convert to islam and have your dick mutilated to marry an arab girl

no thanks Ahmed
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>>1664459
you are a disgrace to every single generation prior

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Hey /biz/, anyone want to start a business or some hustle together?

I'm a programmer and am familiar with some digital marketing.
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>>1664430
I used to have a guy on /biz/ help me edit my videos, but that partnership ended. Now I'm looking for expert shills to help with my YouTube channel. I want to fill the gap in the vlog market left by the death of casey neistat's channel.

Let's brainstorm clever marketing tactics.

https://www.youtube.com/watch?v=cWDUMZINI40
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>>1664437
that is one of the most autistic things ive ever seen
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>>1664437

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What are /biz/'s opinion on sales jobs?

I work full-time in an collections callcenter and it's not too bad, I've learned to be a lot more comfortable talking to people but I kind of want to get a job in sales to learn people skills better and have the opportunity to make a lot more money.

What are biz's thoughts?
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As a student I've done door-to-door sales and selling magazine subscriptions to students on campus (standing outside of a lecture hall and just talking to people as they leave/come in.)

For the last job sometimes I give a little 2 minute pitch about what we offer students in a hall with 200 people. So this job grows my social skills, sales skills, and public speaking skills. Beats working at McDonalds. I also make 10 dollar per hour plus 10 dollar commission on every subscription sold.

It would be cool to keep climbing up the sales ladder and selling higher...
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>call center

How do you do it anon?
>>
Depends on your personality and the company you are selling for.

You need to enjoy the company of people and have fun talking to them. As for the company, it needs to be a good product and they need to care about you and your success.

If all the above fit, yeah sales can be fun.

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You constantly hear the advice to sell digital products because of their low overhead, but has anyone actually had any success doing so?

I see a lot of people in my space selling e-books and digital courses (Internet marketing and content writing) and I'm interested in getting in on the game as well. That being said, the field seems incredibly crowded and there's so much good information out there for free. Are these people actually making money or justifying charging $10 for an e-book or $50-200 for a web course?

My idea was to write a couple of mini...
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7 replies and 1 images submitted. Click here to view.
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You're selling a dream not actual advice
There's still unexplored niches out there
I would say getting into the freelance writing ebook/lesson is a bit saturated but if you really think you can do better then give it a practice run

I've seen people make money off of a fucking the zen of gaming for fucks sake, people will buy just about anything in the right context
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>>1664719

"people will buy just about anything in the right context"

This x 10000.

In that sense, there are no saturated markets, only saturated contexts.
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>>1664719
I do have actual advice, though.

So many newbie freelance writers have no idea what they're doing, but they're more than willing to throw money at a solution. I've seen this firsthand through Twitter and various private Facebook groups for content marketing and copywriting. They tell their story and then ask for books or courses.

I wouldn't be selling a dream, but a sort of no-bullshit approach (drop the six figures in a year dream, here's what you actually do, here's some...
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What i need to do for you to give me 500$?
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>>1664358
give me your kidney
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>>1664358
Offer me a product or service that I perceive as being worth $500
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>>1664358
You could suck my dick.
And then give me your kidney.

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Hi /biz/ I'm new to this board. You probably have this kind of thread on a daily basis and I'll probably be answered to fuck off out of here, but I'll try.
I live in a shithole of country (Spain), you can't live properly here. I'm not talking about making six figures every month, you can't afford growing a family. the work you find won't give you enough even to live. that's why I was thinking about gettin into invesment, but I have a total lack of knowledge. things I know and might help.
I just want an income, not trying to became...
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22 replies and 4 images submitted. Click here to view.
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>>1664353
Do you have any business experience? Are you willing to do any job? I was looking to hire a Spaniard for sales but the fucker was so lazy and immature that i gave up. Might have a slot for you.
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>>1664359

Hey, man. I'm not a Spaniard, but I'd like to know more about that job opening. I do speak fluent Spanish. It's my first language.
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>>1664359
>Do you have any business experience?
No, sorry.
>Are you willing to do any job?
Yest, the idea is to get some income while I work/seek for job/find a better one etc. not living by the money I make on markets. that would be beyond my reach for sure, and it will take a workday of work, analisys and so.

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What's with rich people and Formula 1
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>>1664315
>What is it with rich people and [needlessly expensive hobby]
It keeps the poor people out of sight (home behind their TVs), and it shows off to other rich faggots that they have money.
>>
>>1664315
Just a theory.

I always thought it might have to do with the equestrian class. In other words, racing has always been a sort of affluent activity, and I don't mean stock cars.
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>>1664315
which do you mean? the corrupt pigs who run the show or the bored idiots who throw money into the pig trough?

What do you think, and why, is/are the best things to sell online?
15 replies and 2 images submitted. Click here to view.
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Things that don't have much competition.
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>>1664235
Like what... ?
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>>1664235
>>1664244
specific medicaments (drugs for clinics)

licences and certificates (de facto, once you can grant a certificate, all you have to do is receive bribes and not really do any due diligence)

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Hey guys, I remember you used to have a bunch of pastebin guides with links for NEETs to start making some bucks online. Could you please share them? I can't find them in the archives.
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interested
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>>1664222
That bish has a more manly shoulder-hip ratio than me
>>
i want this too, anyone please?

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I'm dual majoring in International Affairs and Computer Science. The first because I like it, the second because I want a job.

Are employers going to throw my resume straight in the trash?
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seems like an odd combo, I can't imagine how the 2 would complement each other in a career
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>>1664229
But is it a bad thing?
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>>1664335
it is, it looks idiotic to be honest from an employers point of view. Why waste time doing something useless? Uni is the same as any other professional school you go there for a REASON not because you like something.

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>only gave his children 90k

what is his problem?
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>>1664161
The social network they inherit is far more lucrative than any money he gives them.
>>
he spent the rest on coke & whores
>>
Why do you owe your children any further obligation when you're dead?

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Bros I need your help! I came up with an idea that I figured could be lucrative: Putting your store bought chips out of the bag and into an easy, portable device that would warm the chips for you to a Mexican restaurant style warmth.

Unfortunately I discovered that a device called an air fryer exist:

https://www.google.com/search?q=air+fryer&safe=off&client=ms-android-verizon&prmd=svin&source=lnms&tbm=shop&sa=X&ved=0ahUKEwiJmNXXu-zQAhVG6mMKHbG2AewQ_AUIBygB&biw=360&bih=559

Honestly Bros how could I make my idea a distinct from an air fryer?
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>>1664159
An air frier doesn't warm food, it cooks it by using minimum oil and blasting it with hot air. It's essentially a deep frier
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>>1664175
Well yeah, that's what my idea would do I guess. My idea is convection heating, a fan underneath the heated coil which will in turn blow that hot air onto my chips.
>>
>>1664159
Bump

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Can you guys give me a ranking of investment options from more risk more profitable to less risk but less profitable?
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Some ideas

low risk - savings account/CD/GIC
average risk - index funds
slightly higher - leveraged real estate
higher yet - starting a business
even higher - stock trading / forex
super-high - roulette on red/black, odd/even
insane risk - lottery
>>
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I would definitely throw out there that investing in a stable money market mutual fund is a lot better than having a savings account. There is a small degree of list in case of a stock market crash, but the return rate is way higher than most savings accounts.

Putting your money in a savings account / checking account is usually pretty dumb because the interest rate is so low that the money either loses value from inflation / cost of living / taxes or remains the same at best.

Also, an IRA is a wonderful investment, but mots people don't want to do it because they don't have the discipline to save that long. The cool thing about most IRAs is that they are tax sheltered (which means you can do trading through them and not pay taxes) and you can use them as a down payment on a house without penalty.
>>
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>>1664131
This is my last time being your personal Google. Next time go ask AskReddit retarded questions you can Google.

>>1664145
>lottery tickets are investments now
>spending $1 a week on a lottery ticket
>insane risk

Just went full retard

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I am a very successful District Manager for a retail company. Two years ago I took over a failing market and within 90 days I had it making six figures in profit a month. For two years it has been consistently generating such income. I did so well that I won an award for being the top DM in my organization due to my efforts.

During that time I managed an employee who became fiercely loyal to me due to me vastly improving his life. His uncle owns a struggling franchise within my company and is looking to sell. His uncle won't sell to him though, due to some unique...
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An SBA loan would be perfect if you could raise $1M.

Maybe you can somehow take over management and get option to buy. Then worry about financing when it's running better.
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>>1664204
Also I am a veteran
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>>1664204
Any idea how to structure such an arrangement?

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Noob here, is accounting considered a hard degree because of the maths aspect? Also what is a better choice, Computer science or Accounting. UK btw
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CS graduate here working as web dev in London earning 47k at the age of 25. Not an impressive salary but I didn't put much effort. I am not sure that an accountant with the same experience would get the same money, plus work is actually fun.
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>>1664096
>accounting considered a hard degree because of the maths aspect
its basic algebra
what makes it hard is combing legal logic and algebra while remaining organized
>>
>>1664111
combining*

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is acorns actually a good way to save and invest money or should i just put my money in a mattress

how do i save money in a way that makes more money like rich white people can
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>let me allow a company to track my finances and charge a monthly fee to do so because I'm too lazy to keep receipts use a spreadsheet
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>>1664082
so what do you suggest i do with my money just sitting in my checking account
>>
>>1664082
If you have less than $5000 in your acorns account it's a dollar a month. If you have more than its a .25% annual fee.
If you go to college and have a .edu email address its free for up to 4 years.

I have acorns and I'm slowly saving on the side to open a legitimate investment account on a larger scale. I started acorns with $100 bucks with $20 a month deposited and whatever extra money I have to deposit. I've made about ~$20-$30 bucks in investments and dividends. It isn't horrible, good...
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Hello, /biz/

I have a lot of spare time atm. Could you offer me what should I learn to use my free time properly? Im into accounting, marketing and investing. Any books articles or other sources will be apreciated

Pic unrelated
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>>1664076
>Im into accounting
you must be a hit at parties
t. pussyslayer
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I'd say programming
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>>1664108
number crunching fetish

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How much stock do i need to own to influence / be on the board? I own only 10000 stock in gxy but was just wondering
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depends on how much they emitted and who else are the owners. if 100% is exchange traded and widespread then holding just a few % can give you controlling influence, since most tiny shareholders never even bother to show up for an annual general meeting. you definitely start to gain tracking above 5% (and beware, between 5 or 10% is usually when you have to publicly declare your ownership by law or by exchange rules).

that is to say, if there is a consortium owning 51% and they are opposed to your plans then even owning 20% can leave you standing in the rain.

also,...
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>>1664083
So how do you go to annual meetings and stuff like that?
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>>1664094
first make sure you even own shares with voting rights. it's somewhat frequent that companies have different classes of stock listed (like Google has A-shares with 1 vote per share, unlisted B-shares with 10 votes per share so the founders always keep control and C-shares with no voting right but slightly more profit).

then ask your broker. very often your shares are held collectively with all the other customers of your broker ("street name account") and they have to first separate yours out...
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