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/biz/ - Business & Finance

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11245619 No.11245619 [Reply] [Original]

Hi I'm 21 from Toronto in 7k credit card debt and just took a loan from easy financial of 3k with the intention of buying the new iPhone. Pretty much after today I will have to resort to a wage job. I'm interested in stocks/Bitcoin but have not idea where to start I can't use Robinhood/tasty because I'm in Canada. Trying to get into architecture but that seems it will have to wait for next year until I sort out my finances. My ideal career path is to become an ewhore with enough money to pull girls like Emily rata or a Kendall Jenner. Ty for your time

>> No.11245631

>>11245619
Seek professioal mental health services

>> No.11245633

>>11245619
Just do what americans do.
>ring up cc debt
>dont pay at all, free money
>falls off credit in 7 years

>> No.11245639

>>11245619
>"took a loan to buy an electronic that's unnecessary"
>Please teach me how to get in more debt by getting into crypto cause I think it's easy money

>> No.11245641
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11245641

Hmmmm

>> No.11245659
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11245659

Ok so that actually might be the plan then. I don't really want to do crypto I used to do Uber eats on my bike but they kicked me off for bad reviewssss

>> No.11245667

I'm in Mississauga, come and do some monkey work for me and maybe I'll teach you how to not be a financially irresponsible little shitstain

>> No.11245685
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11245685

Uhhh what kind of work? I'm in Scarborough

>> No.11245708

My Kik is rynrm97

>> No.11245769

>>11245685
I'm kidding. Don't invest in crypto when you have that much debt though. I don't even know how in the fuck you've already racked up 10k by 21, you basically bent over and let them fuck you and your credit up for years to come.

My best advice would be do as many cash and under the table jobs as you can, your credit is already fucked so you'll have to rebuild that in your mid-late 20s. Don't pay a single dollar back yet and just negotiate with the collectors for the lowest amount possible, if your taxable earnings are 0 they'll settle for waaaaay less.

If you're actually serious about making the money back then don't buy the fucking iPhone and throw that 3k into some ETH and XRP and get fat returns in December/January.

No more credit cards, no more loans until you're debt free and your credit score isn't awful, this shit isn't hard.

>> No.11245789
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11245789

>> No.11245792

Isn't eth going down?

>> No.11245807
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11245807

>>11245619
>poor retard getting into debt for appearances

Yep, sounds like Toronto

>> No.11245810

>>11245685
And if you're gonna enroll in college/uni soon cash jobs are even more beneficial as long as you don't have a guardian that's making a lot of money. Sure you're accumulating more debt with OSAP but half of it will be grants with maybe 1-2k left over per year to invest with.

If you get some regular fast food/retail minimum wage bullshit job you'll just be paying back way more than you have to over a significantly longer period of time.

>> No.11245817

Your the second person to tell me to negotiate so I guess I'll do that then. I about to go into debt consolidation but I also heard that's bad? And how do disable these captchasss

>> No.11245830

I'm trying to sell some of my stuff right now. I don't even know where to look for cash job.

>> No.11245834

>>11245792
If you think ETH is going down and you're interested in investing in bitcoin you are absolutely fucking hopeless. Enjoy your extremely mediocre life (at best).

I'm 20, live in a shitty little townhouse surrounded by pakis and niggers but I already made enough money off crypto for a down payment on a condo in toronto that doesn't overlook the gardiner, just waiting until I graduate and have made even more stacks before I pull the trigger.

But no don't follow my advice, trust the bullshit you read on the internet on a topic you know nothing about. Can't help you if you clearly don't even want to help yourself.

>> No.11245835

>>11245685
I’m in Scarborough as well young man. I’m in dire need of a house keeper, are you interested?

>> No.11245836

>>11245789
This thread has given me insight into the minds of NPCs. I now get how we have such high consumer debt levels.

>> No.11245845

>takes out multiple loans
>is too stupid to google "canadian brokers"

anyway you want to use interactive brokers for stocks if you're in canada

>> No.11245846

Yeah I could be a house keeper. Idk man so you want me to dump my 3k into eth??? Cause I will

>> No.11245848

>>11245834
>he still hasn't sold his ETH
never gonna make it

>> No.11245853
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11245853

>>11245836
Canada is totally fucked, how does an unemployed 21 year old get access to 10k in credit? How much debt do the middle class canacucks have, most in the world besides Australians. Now that interest rates are going up all the debtcucks are getting BTFO I will purchase their assets for pennies on the dollar with cash

>> No.11245856

>>11245846
I want you to listen to me. Download Robin Hood and invest in IGC. I work in big pharma and big things are going to happen with IGC next week. Forget the crypto for just a moment and take my advice. If you’re genuinely interested in being my house keeper give me your throwaway email and let’s link up, I can help you.

>> No.11245857

>>11245619
Get out of debt completely before you touch stock or BTC. ...and stop buying things when you're in debt. That is all.

>> No.11245860

>>11245846
Dump half in ETH and half in XRP. That $1000 you'd spend on the new iphone is thousands upon thousands of dollars of potential profits lost in the long run. Any money you waste on bullshit you don't need will keep compounding year after year.

>> No.11245865

>>11245853
I personally have zero debt. I don't understand how companies are giving out this debt. I don't get how the GOVERNMENT is letting them do it.

Thankfully I have fairly transferable tech skills so I will probably be leaving the country when the party does end, but I'll be sure to buy at least one condo in vancouver.

>> No.11245866
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11245866

>>11245856
buy high sell low, right?

>> No.11245869

>>11245848
>implying I bought any above 250

you never even had a chance to make it

>> No.11245873

My only email is cheeseman1793@icloud.com

>> No.11245875

>>11245866
Buy now before it’s too late kid, that’s all I’m gonna say.

>> No.11245878

>>11245619
I assume people that post this sort of nonsense have to be doing so unironically. Surely there can't actually be people like this in the world. I just imagine everything here is satire

>> No.11245881

>>11245873
Are you unironically mentally ill? How the hell are you here, asking for financial help on 4chan of all places, THAT deep in debt, and doing freaking uber eats at 21?

>> No.11245883

>>11245873
K got it, i can’t wait to link up with you. Do you have any pictures?

>> No.11245884

>>11245631
fpbp

>> No.11245886

>>11245878
meant to say ironically. no one is this stupid are they

>> No.11245889

>>11245875
I'll watch this and throw you an 'attaboy' if you're right....but wew, not buying a 6x, friend. I know when I've missed an entry.

>> No.11245890
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11245890

30 yrs old $80k here

U don’t know pain yet

>> No.11245892
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11245892

No this is not satire. LUL I JUST GOT THE LOAN DEPOSITEDD. Sorry for the long replies I haven't figured out how to get off the captacs yet

>> No.11245895 [DELETED] 
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11245895

I deeply detest what this country has become.

>> No.11245897

>>11245889
You’re gonna smash your head up against a wall come Monday, don’t say I didn’t try to help you out.

>> No.11245901

To the guy who wants to meet send me an email. Okay mysterious 4chan instead of buying the iPhone xs Max I will consider buying eth and the other one

>> No.11245903

>>11245897
It's a stock. It's not going to run another 100%. If it does, like I said, I'll kudos you, but eh. Fuck that shit. Next opportunity.

>> No.11245907

I need help you want pictures of me?

>> No.11245917

>>11245631
This

>> No.11245920

>>11245907
post a picture with a sharpie in your arshole you faggot

>> No.11245926 [DELETED] 
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11245926

My ancestors fought on the plains of Abraham for this...

Someone drop a nuke on Toronto and end this farce of a country.

>> No.11245930

the bait is so subtle its actually quite odd

consider me spooked gentlemen

>> No.11245931

No u

>> No.11245939
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11245939

Not a b8 m8

>> No.11245946
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11245946

I'm leaning towards the iPhone now idk

>> No.11245949

>>11245856
Robin Hood isn't available for Canadians you nigger

>> No.11245951

>>11245946
stop shopping to dumb asshole. FFS.

>> No.11245959

>>11245939
>>11245946
why is your skin dirty it looks brown

>> No.11245963

>>11245903
This guy right here.....you don’t want to be this guy. He isn’t a winner, he is a plant ot safe coward that will receive the bare minimum in life..forever and always.

>> No.11245969
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11245969

Because I'm brown lul

>> No.11245977
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11245977

I told you to email me REEEE

>> No.11245986

this is gay as fuck.

>> No.11245990

>>11245959
homeless probably

>> No.11245991

I'm scared I'm gonna break the Apple watch 4 but idk

>> No.11245994

People like this were doomed from the start.

You were born into easy mode and you're such a brainlet that you're gonna barely scrape by for the rest of your life because you couldn't even grow up and redeem yourself while you were still a child.

>> No.11246006

I don't even think the watch is out yet rip

>> No.11246021

What the fuck.

How did someone like you even find this place?

What are you doing here? Did you find out about this place from reddit or twitter?

>> No.11246034

Bro. Get of my 4chan. Dont tell anyone you found this place ever.

>> No.11246044

Lol my 4chan now normie

>> No.11246047

>>11245836
i think the op is larping theres no one can be this retarded in life

>> No.11246050

This is a good troll thread. This one got me.

>> No.11246077

Not a troll any suggestions on what phone I should get?

>> No.11246107

>>11245619
grab a fuarking noose nigger

>> No.11246404

it'd be nice to believe this is bait from a bored white autistic neet, but little details here and there nudge towards op being a legitimate retarded shitskin

>> No.11246438
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11246438

My common sense tells me OP is larping, but I am seeing the same financial retardation at the uni right now where people max credit cards to buy phones/sneakers.

>> No.11246554

>>11245619
https://youtu.be/oD2gXY4piF4

>> No.11247312

>>11245856
Is IGC a pajeet company?

>> No.11247336

>>11245685
>>11245619
>>11245641
>>11245659
>>11245939
>>11245969
Nice just doxxed 100k Ryan’s

>> No.11247488

>>11245619
bait, I hope

Iphone is cancer

>> No.11247494
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11247494

>>11245619
Nice blog +1

>> No.11247530

Take out a 3k loan to buy an iphone instead of 16 eths

>> No.11247549
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11247549

>>11245619
>takes out a loan for an iphone
buddy you need a bullet to the head for doing something that retarded, I'd understand if you did it for student, car, or flight school loans, but that shit is retarded. You shouldn't even have kids because they would be as stupid as you

>> No.11247578

>>11247549
>falling for a larp

Most Canadians are like this unironically however.

>> No.11247639

can we rename /biz/ to /larp/ already

>> No.11247755

>>11246438
Those people wouldn't go on /biz/.
Instead they would be be on youtube watching the last Nicky Minaj music video.