/biz/ - Business & Finance

>>>/b/

Fuck off, not /biz/

>>714213
>I dont buy rare pepes

>>714213
>Makes $2k a month
>Spends $1k on rent and $500 on a car payment

>>714226

have you heard of the new ultra rare fefes?

>buys a bigger house that they do not need
>runs a podcast
>has a wife/husband who doesn't work
>has a wife/husband
>buys frivolous things
>pays retail

>>714229
Is this bad.
I make about 2400 USD a month and pay 1200 for rent.

My GF works too, she usually helps me out with the food and other bills,

So in reality I would actually be paying like 900 rent and like 300 a month for food

>>714320
Ask yourself two questions: "Can I find a cheaper place to live in my area?" and "If not, can I get my same job somewhere with a lower cost of living?"

If you answered yes to either of those questions, you should move.

Is this the /biz/ version of "Food pics from japan"

>>714256
getting married can be great financially. You are able to pool your resources together. Also if you want children it is good to be married. The key thing is to choose the right spouse.

> not carring a leverage

>finishes a degree
>pays off debt
>is usually a wageslave

>>714635
In the US, where there's no-fault divorces even though it's a first fucking world nation, there is no right spouse. Move to a country where someone can't steal your money without a reason.

>>714742
Oh hey that's me.

>>714226
>>714248
http://www.ebay.ca/itm/271824849771?ssPageName=STRK:MESELX:IT&_trksid=p3984.m1555.l2648

http://www.ebay.ca/itm/271826163665?ssPageName=STRK:MESELX:IT&_trksid=p3984.m1555.l2648

>going to university just because their friends are going, all on the same terrible course and because they want the 'uni experience' they don't attend lectures and rack up even more debt through getting drunk every night

>doesnt own their own business
>believes investing is gambling
>has a networth under 100k

lel poorfags pls go

> I browse forums

>>714213
>I Post on cambodian noodle discussion boards

>>714213
>buys bitcoin, not Dogecoin
>doesn't buy the dip
>doesn't short PRAN
kek, poorfag subhumans pls go

>"there is more to life than money"
>"money cant buy happiness"

>I'm going to join the military because I have no ambition and/or can't be trusted to not be in charge of my own life
>Either that or I want to shoot Browns

>>715863
That's actually a pretty good idea. Better than minimum wage and helps give people time to decide what they want to do.

>>714229
>Spends $1k (50%) on rent

I like living in the city and not having to commute.

>>715872

lol dont you know that militarydogs get paid salary, and sometimes have you working 12+ hours? long run youre getting paid less than minimum wage

>>715893
And factor in the PTSD and the sheer amount of cleaning you have do.. Military is so not worth it unless you're shit poor or stupid.

>>715895
If you join the air force like a non retard you can get valuable trade certification and experience and not ever see combat. Only if you aren't a fucking meathead though

>>714213
>I blame the jews for my problems
>I agree with stormfront in nearly everything regarding social issues

>My BA demonstrates my ability to think critically

>believes social mobility is normal in one life.

>>714213
>my family is poor and cant pay for my uni degree

>>716220

>takes 250k in loans to major in African studies

>Gets latest Apple product
>Drinks at bars
>Pays for cable AND Netflix
>Wonders why there isn't enough money to get them to the end of the month

So, I am in a triad relationship with two women. We all work. However one can simply not pull much weight as she is all cosmetologist that is paying for her financially irresponsible mothers bills as well as her own and attempting to get through nursing school. The other is a bank teller. I am a LEO and military and student.

I will only throw out my pay and the tellers pay because the other cosmetologist basically barely shapes by. Together me and S (the teller) pull in about 2.7k bring home a month minimum. Usually it is over 3k with over time, drill checks and such. We live in a poverty strike area of the south so cost of living is quite low. Out bills are around 1.3 (includes car payment, car insurance, rent, Internet, utilities, gym memberships, phone bill and minor credit card and student loan payments). I did not account for food or gasoline. Are we in bad financial shape? I'm worried.

>>715895
Fuck off. Joining the military was one of the best things I ever did. I went in a far, lazy, NEET and came out a fit, motivated individual, minus one fat, leeching ex fiance. Since then, I have pursued education, become a professional, and had a damn good time. Met some brothers along the way that will always be there for me no matter what.

Yeah, the military sucks some times. Once I went 67 hours with no sleep, my back and knees are shot, my hearing is fading while I am still young and I saw a couple brothers die but I would do it all over again in a heartbeat.

>>716238

>I believe my experience is the same as everyone else so my opinion is 100% correct

>>716236

You're in decent shape, consider having an emergency fund, usually 6 months worth of expenses.

meanwhile if your job offers 401k, put in what they match, basically free money.

all in all if youre having money left over after you have an emergency fund and youre funding your 401k. consider budgeting for a vacation and opening an IRA or roth IRA

>>716236
>I am in a triad relationship with two women
Degeneracy.jpg

None of the "threesome" relationships I know survived more than few weeks.

>>716239
Not saying everyone has a great time. But saying that the military is completely worthless is just as false as saying everyone loves it. It is what you and circumstances make of it, as with any experience.

>>716244
Ours has survived 2 years. I know a triad that has been together for over 15 years and raised 3 children. They can work.

>>716224
nah africa studies are actually medium tier

>>716262

pls

>>715329
មិនបាន ពិភាក្សាគ្នាអំពី មី របស់ខ្ញុំ!

>>716246
my friend was in one that lasted years, and they had kids, but then one woman did leave because too many chores and kid raising responsibilities were thrust upon her.

as long as everyone pulls their weight, it can work.

if one person feels like they are doing everything around the house while you and the other woman are off fucking in the bedroom, it will breed resentment.

>>716473
On that chart it would be meh/good tier

>>716489
The truth. A triad takes a lot of balance and dedication. But the benefits, financial, emotional, and sexual, are amazing if you can pull it off.

>>716495

u trolling?

>>715878
>willing to give up 50% to rent simply because they "like it."
never going to make it.

>>716262

> not majoring in ebonics
> stay plebian

>with my political science degree ill be the next president!

>>714213
I have make about 27 thousand a year. Save up about 24 thousand a year. Have about 70 thousand in the bank at 22 and pay about 1000 dollars a year on bills.

How good am I doing?

>>717234
Maybe you should try moving out of your parents basement.

>>716238
>Joining the military was one of the best things

>>716238
>my back and knees are shot, my hearing is fading while I am still young and I saw a couple brothers die
Yeah, you're an idiot.

>There is nothing wrong with jewish people. They're human too
>I vote Democrat because it's 2015 and that's just what everyone should do
>If fluoride was bad the government wouldn't put it in our water supply
>Homosexuality and Transexuality are not mental illnesses

>>717249
>>717234
Second this.

>>717255
So, body has some issues. However, had I not joined, I probably would have ended up a neck bearded near virgin in my parents basement. Instead I'm saving, have a nice car, two wonderful, good looking, employed parteners, living on my own and achieving goals step by step. I'm much happier now. So fuck you. Glad I did it.

>>717295
Way to be a paranoid neo con. This is for what poor people say. There are plenty of wealthy that have liberal views.

>>717234
Seriously, get a life. You have money, but no life man... seriously. 1k a year in bills? That's what? A single phone bill so you can browse 4 chan all day? Go out, get a date. Have fun, get your own place. You could by a house and land, a big house and land with 70k here in Mississippi and 27k a year is a decent wage in this area.

>>717234

The fact that you have 70k in the bank that you barely use and don't even gear towards investment is disturbing.

>>717331

Plenty of vets who get out end up being neckbeards, hell I have a friend who got out of the Marines over a year ago and he moved in back with his mom. Spends most of his days sleeping, playing video games and drinking while slowly eating away at his savings.

>>717353
>TFW 70k isn't enough for the 20% down payment in your local housing market.

>>717375

Jesus where the fuck do you live, Hawaii or New York?

>>717375
Boston baby, median rent is $2,300.

Welcome to Diet London, get rich or get fucked

Shit, this >>717386 was meant for this >>717380

>I go to /pol/ or stormfront regularly
>I browse 4chan for at least 1 hour every day
>I play videogames
>I don't lift or play any sports
>I still live with my parents past 20
>I dislike jewish people because they are eviiiillllll
>I don't have any goals or real ambitions for the future
>I enjoy going to /biz/ for the intelligent discussion
>I believe in any cryptocurrency
>I spend any amount of time on /r9k/
>I save meme pictures
>I pretend to be rich on the internet
>I believe that socialism is actually feasible
>I strive to out-earn everyone in my apartment complex
>I don't spend at least 40 minutes in the fresh air everyday

>>717371
Sounds about right. Don't get me wrong, not all soldiers are the same. Saw a guy blow his entire pay froom basic on a fake ass gold necklace for his mother..... then wondered why he was broke and they took his car. Also, PTSD is hell. Everyone reacts differently. Some people may kind of go int [ hibernation like your friend. Others may stay busy to occupy the mind.

>>716751
African studies are pretty great

>>717327
>>717331
>>717351
>>717353
Keep it in one post, idiot. The military must have damaged your anus too because you are butthurt.

Your idea of being happy and achieving goals is to live a completely average, boring life that nobody would bat an eye at. Congratulations, you are an undeniable failure. Confirmed for being a poor liberal for the rest of your life.

>>717406
found the kike

>>717467
Lol if it isn't the trolling biggot. Nice.... your life must be so miserable that you want others to be the same way. I know plenty of folks like you irl. All sad creatures, mostly virgins. Nice....

>>714213
Everyone (friends, family, coworkers) told me to get a credit card so that I can obtain a credit score. Is this bad advice?

>>714213
>i will save up until i can pay a house in cash outright

>>717467
Btw, average life.... um... no. Look, the only reason I'm bother to answer you is because it's my night for desk duty and I'm bored out of my skull.

Average life... well, I grew up in an extreme right wing Christian cult (literal, by the book, cult), got laid at 19, was a felon but never got caught with a total possible sentence of over 200 years ( everything together), made and blew over 100 grand in 6 months, had lots of weird sex, did just about every drug you can think of, out ran cops twice, traveled all over the US and some of Europe, became a NEET, went to university throughout this time, had to quit and support my family when dad got cancer, lost a one night stand baby to her jealous ex bf (that was a close one)joined the military after, got my bad habits straightened out, eventually became a cop, met two great girls along the way, and I'm only 25. That's just a gloss over and what I can remember off my head.... no, your right, I am happy with my life now, even if most folks would not bat an eye at it on the surface. I like my job. I am good officer, I enjoy helping people, don't bust folks for stupid victimless crimes. I'm financially ok I think. Gonna be better.

What have you done with your life? Ever read that quote by Hunter S. Thompson? About how we are not meant to arrive at death well preserved and clean, but rather used up, bruised, having lived a full life? He has a point you know...

In all seriousness, I want to know what your life has been like. I like meeting new folks.

>>717495
Btw, there's lots more I'm gonna do as well, why should it so there. Why should anyone's life? So.... question: I'm here cause I'm setting at a desk with nothing to do for eight hours tonight. Why do you so much time to troll? What in your life is making you seek time this as a form of entertainment? Because we both knkw, as far as entertainment goes, this shit sucks.

Another militaryfag here.

I'm one of the ones who wanted to go in, mainly because it's the only place I could do what I really wanted, pic related. It's been pretty good to me, but I understand that's not the case for all of us.

Paid more than I should be to do something I'd do for free, hard to argue with that.

>25
>Pilot
>Save/invest 70%+ of pay since expense are virtually nil.

>>717484
No, this is a great idea provided you use your card responsibly, and don't accept one which is loaded with fees (initial, annual, etc).

>>717484

It's the sad truth about the United states, if u have no credit or shitty credit you best get your asshole ready because you're going to get fucked by interest rates in the ass without lube.

>>717770
You're still a manlet though.

>>717853

How the fuck do you figure that?
6'2

>>717858

Assuming you're actually the dude claiming to be the pilot (different IDs), then you just got caught in a lie like a fucking retard because if you're 6'2" you cannot fucking fit in that cockpit boyo.

>>717862

You're misinformed. Anthro limitations center more around reach and sitting height. There are several of my peers who are over 6'. I do however know some guys that in helos now because they got DQ'd from jets.

It's cool, common misconception.

>>717878
>>717862

rekt

>ITT: muh mommy has money and you are all poor cuz I born knowing everything

>>717204
Our current president did exactly that.

>I play videogames
>I work a minimum wage job past 19 years of age

Into le trash it goes.tar

>>717878
People have the same misconception about tanks. There are some huge tankers in my unit. Idk how they even fit in the vehicle but they do.

>>714635
Not getting married in fear of the legal system acting in favor of the wife.

>>717331
I'm more interested in this "triad" relationship thing.. They're just ok with sharing like that?

>that guy that shows up at the retail store and buys all the 80% off shit and resells it online

>>717482
>>717495
Obviously tl;dr but...
Holy shit that massive rage. To think, you're lonely enough to actually write all that shit out because somebody offended you on the Internet. Sad, pathetic little man.

I noticed there is a half an hour gap in between the two posts. Did it take you half an hour to write or did you make your first post, and then come back 20 minutes later because your frustration from my truth posts hadn't been cured?

Either way that's pretty fucking sad, man. I hope you kill yourself. For your sake and mine. You obviously have nothing to live for.

>>718612
>>717500
Oh shit, I just noticed you made another post right after because you still hadn't got everything off your chest. Definitely time to neck yourself, son.

>>718576
There are bisexual so they are with each other as well as with me. Heh I'm good, but not that good, mate.

>>718612
Your hilarious. Seriously, your antics are entertainment for a boring shift. Go on, tell me more about how amazing you are... I literally check this every night for the fun of it. Are you capable of having a decent conversation? I hope so. Would like to get to know you.

>>714213
>im 20 years old and i still live with my parents

>>718651
You really don't seem capable of conversation. All you do is talk about yourself. I'd fucking hate to be around you unless you had something smart to say

>>714213
>uses USD for any transaction, electronic or physical.

>>714213

>Money isn't everything!

>>718676
But Money ISN'T everything.

Earning potential is much more important.

I have tens of thousands in student debt, which are twofold larger than my savings/investments.

This makes me worth less than your average homeless man on the street with no debt.

The difference is that I have potential to supply something to my employer/the market.

>>717924
>implying obama isnt a puppet

>>714892
Did they actually bought it, or was it just fun?

>>714331
This is right here, living in nj right now. Crazy cost of living house wise and car insurance. Looking to move out within a year

>>718666
You have not read everything I wrote. Much of it was about other people. My ID changes so it's hard to tell it'd MD if not. Heh

>>718708
Move to the south... in yhe right areas with very little capitol you can get a lot of land or houses. Live like king.

>neckbeards that argue over a Somalian coconut trading forum

>>715863
How is shooting Muslims a bad thing?

>>717467
Hating the military is for liberals

They would rather we praise homos and trannies

>>716473
I thought Geologists make a shit ton

>>718694
>worth more than the average homeless man
The average homeless man in 2015 actually has a lot of debt, most of them have student loans from attempting and failing college.

>>714213
You know what we SHOULD have?
>"ITT shit richfags say or do"

>>718887
>Somalian coconut trading forum

thats fukkin hilarious!

>>715863
>going to the military

>no ambition

Are you retarded? If you mean the retards who think they'll be having fun like in Call of Duty then you make a decent point but the military offers a bunch of incentives and benefits that go beyond shooting Ahmed the sand nigger.

>>716236
>>716246

Literally a cuck

>>719067

Seconded. There are some pretty good options if you want to make a career in the military. At least in the US that is.

>>719072
It's just because Yuroshits are cucked by their socialist overlords into having no national pride.

They have been trained from day one to hate their countries and militarized and accept superior Muslim culture and feminism

>I dont invest my money wisely
>I use recreational drugs or drink alcohol in excess
>I dont read various literature
>I dont make a plan for the future on act on it
>I make excuses for everything in my life
>I spend most of my day doing something that doesn't make me smarter/stronger/better/richer, etc(WHAT KIND OF PLEB >ACTUALLY DOESN'T PLAY VIDEOGAMES??//"
>I dont take risks to start a new business venture while my peers do not
>I hate to think outside of the box
>I hate to learn from other's mistakes over my own
>I like to spend my money on frivolous items I cannot afford

>>719278
Kek you copied my post in the things richfags say but reversed it :>)

Did you really like it that much?

>>719281

>yes

>>719011
If they get a job with an oil company, then fuck yes they do.

>I browse Chinese Imageboards for at least an hour a day
>I go on /biz/
>I take financial advice from NEETs

>>719069
You got it twisted brother. Sprry, not everyone buys the whole monogamy ideal. Frankly, it has benefits economically, maternally and sexually.

>>719287
daaaaaaaaaaamn

>>714213
>im 25 years old and have a net worth under $100k

>>719927
>I use a tripcode on an anonymous bhutanese business-related imageboard

>>718706
Yes, someone paid a 100k for an ms paint image

>>715863

Do your 4 years and your well setup. No one ever said you have to work a combat job either, in fact there is way more admin/support jobs then combat jobs anyway.

>Did 4 years
>Was making around $1800/month after taxes. Was not paying for rent or food. Bummed internet off my roomates un-secured wifi and threw $50 at my parents every now and again for the cell phone bill.
>Invested and Saved $1500 every month, set aside about $200/month for spending money to eat out, drink beer, have fun or whatever.
>Fast Forward to getting out and graduating college
>College completely paid for including books, plus got over $2000/month un-taxed income while in school for living expenses
>VA Business and Mortgage loans that are way less risky then civilians ones if I decide to be a debt slave
>4 years of solid work experience while job searching versus my college peers who just had an summer internship or two.
>If the interviewer/boss was in the military (which a lot are) you are usually hired off the good ol' boy system
>Worth way more financially then any other late 20's I know.

Yea man, it's totally horrible and was bad for me.... I'd suggest the military to anyone who wants a leg up. Also, don't ever think your too good for cleaning floors, toliets, or other bitch work because that mentality is going to get you nowhere in life.

>>720127
Second this. The military has helped out a lot.

>>720127
This.

It's 4 years to clear your debt(assuming you pay it, not like you have bills besides a phone bill), get you paid to go to college, all those VA programs and to leave with 10s of thousands in your savings.

Worth.

>>719327
>>719011
yeah it kind of depends, but with a phd in geo you can make upwards of 300k if you get into energy

>>716473

>Geology

>Shit tier

Well it's a combination of the disciplines of chemistry, physics and computer science, but oh well, fewer candidates and more lucrative jobs for me I guess.

Good luck finding work in aerospace or nanocucknology.

>>720127
Fuck me I hate the military shills on biz.

What a Fuckin cop out to go and do what you're told for a few years. Admitting defeat really

>>720931
Agreed. Best paid amongst my friends are geos. Also sounds like a sweet job involving shit loads of beer

>>720942
Geologists just don't get much work and have to ride the swings in the mining industry.

>Aunt is a geologist with a phd.
>Would earn bulk cash on jobs
>Would be out of job for years at a time.

She's always been comfortable, owns her own inner city apartment, but there was some lean years.

>>720940
A defeat? Really. You do realize that sometimes you have to do things you don't want to do to get ahead right? No wander your a poorfag.