/biz/ - Business & Finance

That's my plan. Only issue is that I'll probably make more than 100k this year

Thinking of taking out 60k and not paying when I flee to Europe

>>15016728
Yeah I'm defaulting as well and voting for bernie. Bernie wants to wipe them all out. Warren wants to help poorfags only bc minorities, it's not a full cancelation. Vote bernie if you are trying to kill loans

>>15016739
Literally doing this. Moving to amsterdam for a few years and either coming back when they are erased or until i make it with link. If neither happens then bye bye murica

>>15016728
She cute

>he fell for the college meme
poor baby why dont you have a high paying job to pay off your debt with that college degree of yours huh?

>>15016728
>Believing the demoshits
>Believing they wont fuck you up even further.

Yikes

>>15016739
Won't work, good plan though.

Africa might work and you'd live like a king til everyone swi sled you to their level

>>15016728
I owe 24k and havent paid anything back in 3 years. Waiting for bernie or yang or aoc to help me out

>>15016739
way ahead of yall

18k in debt

25k links

havent paid any of my debt in 3 years lol

the only thing that happens is that i get a lot of calls from collectors and mail with setlement offers

>>15016947
Why wont euripe work?

>>15016728
So you're shorting your own student loans? Let me know how that works out for you.

>>15016728

I hope to god that drumpf wins so you gibs fags get fucked.

as much as i like trump it would be brainlet to not support this socialist fag and tolerate him for 4 years to clear out debts and then to reelect trump after the 4 years are up

>>15016971
dont u have to pay intrest on the loan

>>15017051
Gibs? All im asking for is for the right to declare banktuptcy. Its the bankers who are the gibs fags because they dont want to take losses for making bad unproductive loans

>>15017117
>take out student loans for worthless degree
>doesn't budget or plan to pay it back
>i dindu nuffin, save me bernie!

>>15016728
waiting for the dems to wipe it out. failing that counting on one of my shitcoins to moon so hard that i just leave the country and never pay them back. Basically they're never seeing a dime from me re: student loans.

>>15017139
If i buy product at walmart or costco. Its dedective i return it for a full refund. I got a degree that promised career opportunity that wasnt there. The degree is defective. Im entitled to a full refund

>>15016940
>the libruls
it's tragic how retarded american conservatives are

how can half a population have so abysmal values and such pisspoor arguments for absolutely everything they do - actively sabotaging things like liveable wages, healthcare and free education

the US is quickly becoming shit tier and it's 100% because the entire right wing is filled to the brim with selfserving corrupt idiots - all the while it's voterbase pretends it has a superiority complex toward the left, using strawmen like "identity politics" and other shit arguments like "niggers ate my welfare", "i dont trust gubnment", "taxes are theft" (this is the best one, jesus christ how shortsighted do you have to be to say this unironically)

you are a degenerate and you're an idiot

t. the real first world

>>15017051
it doesn't matter if blumpf wins in 2020. In 2024 the only person who can win is someone promising Bolshevism. If you're paying your bills with anything other than payday loans you have already lost. If you're paying your debts at all, then it's like Goy, bye!

>>15017198
Show me the text containing the promised career opportunity. Go ahead, I'll wait.

>>15017282
You know what an implied contract is frog boy?

>>15017198

Think of it as you took shitty investing advice, say you fell for shitcoin on biz that someone shilled. Does that person owe you a refund? Fuck no.

>>15017348
Except in this case it was the banks whose was bet. They made a terrible bet and should take losses for it.

If i lent my friend 800 bucks to gamble at the casino. He loses it. I accept the loss and quit lending him money

>>15017198
You fucking zoomers are worthless.

https://youtu.be/mWE3thODM_8

>>15017227
lmao
>let me tell you what's wrong with America
t. communist

>>15017227
lol. and who is going to pay for these living wages, healthcare, and education you fucking moron. if people will pay 3 bucks for a gallon of milk on 8 dollars an hour you dont think the grocery stores wont raise the price to match the new wages? maybe if you retards could look more than 1 week in the future youd realize the folly of your ways

>>15017502
Im eager willing and able but getting a job is just impossible dude

>>15017483
No. You made a terrible bet. It's not the banks fault you couldn't turn your education into a career. You took the loan pay it back.

I took a loan and paid it back. Did it suck? Of course. But what in the fuck do I get for being a responsible adult? You lazy fucks get off Scott free when I busted my ass to actually pay mine back. Do I get a refund for being responsible?

>>15017227
>taxation is not theft
holy shit this stupid nigger being all mighty and shit not realizing he is the brainlet

>>15017550
You might have to move. If your area can't support whatever career you want, go where it can. Or start working for yourself.

>>15016728
when you can write off the interest against your income forever, there's no point to paying it off early unless it's to free up your cash flows. that debt is the least important debt to my name.

>>15017550
What's your degree on? I'm gonna go with some useless social science degree.

>>15017227
This doesn't make you sound like a good person or sophisticated.

>>15017552
You need money to make a bet. I didnt have money, the banks did. They betted on me to turn my educaton into a career and lost the bet.

>>15017565
>>15017613
Mechanical engineering in los angeles. Every entry level opening receives 400 applicants

>>15017227
>liveable wages, healthcare and free education
I don't want to pay 50% of my income in taxes for any of that shit because it doesn't benefit me. Neck yourself collectivist cuck

>>15017578
>debt is no big deal
Dude if you owe money with interest you are enslaved

>>15017656
>mechanical engineering
Its worse than I thought.... You have a mech memegeneering degree and can't turn a fucking profit man? You bought the lie at school about being part of cool things? Designing the next falcon rocket? Designing cars? Fuck me man, did you at least bother to get an internship while you were in school? If you were capable of getting through all the bullshit a mechy degree requires I would think you would be resourceful enough to land a job already.

>>15017676
Income plus state income plus sales tax plus property tax. Youre already paying half your income to the state but without any of the goodies the euros get

>>15017656
You did make the bet cuz you signed for the loan
>take 30k out to gamble on link
>it dies
>muh bank!
Imagine not becoming a army reservist receiving free college and room and board with practically no work or inconvenience outside an occasional piss test

>>15017706
Internships are insanely competitive. Couldnt get one.

https://m.youtube.com/watch?v=dxoOfv0GIbI&t=11s

>>15017529
t. country where our citizens don't starve in the street or put into life ending debt due to circumstance

>>15017535
how retarded are you? it's about smoothing the equality curve so people can afford to live and educate themselves; if you don't force the hand of the wealthy they'll just abuse the poor

if people have more money in their hands yes things may start costing more, but they'll have more RELATIVE WEALTH you retarded brainlet

>>15017561
it's not theft if you can think longer than your nose you fucking retard

>they take my money and I want it so it must be theft
no, everyone pays taxes, and everyone reaps the benefits of the taxes - without taxes you have a tragedy of the commons situation, where everyone serving themselves leaves everyone (or 99%) worse off

when you pay taxes you are funding a happy educated workforce, so not only are you indirectly benefiting yourself, you are also making your country a better place overall (which is the ethical component)

to call it theft is to be an idiot who can't see nuance, especially since there IS ZERO VIABLE ALTERNATIVE TO TAXES

>>15017615
>I'm a good, sophisticated person
yeah man you got me that was my agenda

fix yourself retard

>>15017676
no, I know you don't want to, you fucking degenerate, but that is not an argument for why you shouldn't

>>15017676
Based.

>>15017687
that's your backwards worldview talking. I use a tool when it's useful. I don't refuse to use a calculator because the muzzies invented the abacus.

I took out student loans for a degree in chemistry, it wasn't the greatest investment, but overall the debt doesn't hurt me. once again, if you write off all the interest payments on your taxes, what you are paying is only the principal.

debt is a tool and a historically extremely useful one. you want to call debt holders a slave? better tell that to nearly every business in existence because they leverage debt for every single thing as well.

just because you don't understand how to use it doesn't make it a kike trick.

>>15017755
If you make shit choices you deserve a shit life.

>>15017755
>to call it theft is to be an idiot who can't see nuance, especially since there IS ZERO VIABLE ALTERNATIVE TO TAXES

Who will pick the cotton without the slaves?

Take your leftist nigger loving garbage back to your containment website

>>15017744
>internships are extremely competitive couldn't get one
No shit sherlock, which is why I know you are the type of person that thought things would just fall on your lap and when they didnt you blame the system instead of yourself for not putting the extra effort. Did you network? Did you work on any projects that might have been desirable to employers? Did you take the extra time to hone your CAD skills at least? You don't just apply to the internships schools offer, those are always shit. Dis you email, cold call, canvass small local engineering firms asking about internship possibilities? Dis you do anything besides follow the school curriculum 99% of other engineering graduates have to offer?

>>15017791
>born with shit parents
>got a disease
>took a chance and it failed
>made a mistake
whoops guess my life is over now haha

>>15017798
actual brainwashed circus clown

>>15017755

Based and redpilled.

>tfw when you live in Burgerland

>>15017805
>be a nigger
>rape, kill on a whim
>whiteoid sympathies with dumb nigger brain
>gives billions in debt, throws away future
>nigger is still starving, more dangerous than ever

Dude just pay your fair share lol, jamals gotta eat

>>15017805
Winners dont give up, losers do. Winners take responsibility for their own life, losers blame the world around them. Life owes you nothing, snowflake.

>>15017227
>I want to tax the white men more to give more shit to niggers, spics, and women

>>15017836

It'd be cool if you lived in the third-world for a while and proved your point. I would watch that documentary with great interest.

Oh wait you already live in America, nvm

>>15017755
>when you pay taxes you are funding a happy educated workforce
imagine beleiving this..... you're lining fatcats pockets and giving them a clear path to abuse the system

>>15017848
I live in northern europe.

>>15017836
guaran fucking tee I am more succesful than you

>>15017834
typical repub arguing with his emotions and awful strawmen

I acknowledge the problem and I provide the solution, and what do you do? call them niggers and make it worse? well played "patriot"

>>15017755
>when you pay taxes you are funding a happy educated workforce, so not only are you indirectly benefiting yourself, you are also making your country a better place overall (which is the ethical component)
is this a joke? are you this detached from reality?

>>15017848
The third world is the third world because it's filled with savages, not because they are boo hoo poor

>>15017854
Redpilled.

>>15017755
>it's not theft if there are benefits
>see the nuance?

There aren't even benefits. My taxes are being actively used against me. Supporting the browning of America makes my life worse. Inflating the education bubble makes my degree more expensive and worth less. Wars for Israel destabilize the world. It would be better if tax revenue was simply burned. And to some extent it is. Every year more tax goes only to interest on (((loans))). Conservatives can be very wrong but you left wing cunts are still worse.

>>15016734
>Only issue is that I'll probably make more than 100k this year
Congrats you're shorting the dollar and it's working. Just wait until you're making trillions a year.

>>15017798
Whats wrong with you bro? Daddy still beats you into wearing a stupid white cone hat at the redneck KKK meetings?

>>15017860
The government produces vast sums of unpayable debt that makes generations suffer, yet I am making strawman arguments when I point this out

You're another dumb nigger loving retard

>>15017854
maybe if half your voterbase wasn't retarded you'd have decent politicians - the root cause of the problem is the american mainstream conservative, so until you retards wake the fuck up your country will stay fucked and continue to get worse

you can't have a functioning society if 20% of your population lives in perpetual suffering

>>15017860
So you live in a elitist bubble, mr successful? If you saw on the ground level how welfare is abused, you would change your mind about things.

>>15017860
welfare makes it worse

https://www.youtube.com/watch?v=lm-FqtAOSB8

>>15017800
>Dis you do anything besides follow the school curriculum 99% of other engineering graduates have to offer?
That's the point retard. 99% of people got loans. If you're still expected to be a top 5% go-getter to land a job then the bank deserves to have 94% of those loans defaulted on.

>>15017872
>>15017892
>the jews
>the browning of america
>niggers
the standard is high when debating americans

I grew up thinking US was somewhere I wanted to live, but holy fuck have I sobered up in the last 10 years

>>15017890
At least I had a daddy nigger

>>15017903
>you can't have a functional society if 20% of your population lives in perpetual suffering
At this rate that8be the 20% working class taking care if the 80% parasitic population of illegals/drug addicts and entitled cunts. I'm sure that'll be perfectly sustainable though.

>>15017904
cant win LOL

if you're poor you're selfish for wanting gibs, if you're successful you're elitist

absolute tragedy how brainwashed you are

>>15016891
Not OP but I do, making 6 figs as a software engy.

>>15017947
roughly 70% of the American population is middle or upper class

>>15017952
At least you are a graceful losers. Can admit you lost. Thank you!

>>15017535
We have to do something with all this milk.

>>15017980

>>15017800
Im an autistic robot. Obviously i didnt network or do any clubs related to engineering. Only did curriculum.

>>15017788
Im no expert in the field but dont highly indebted corporations inevitably get bought out and by investment firms (jews)

>>15017936
Not an argument.

>>15017973
And that "middle class" is living on nothing but debt, you are out of touch with reality.

>>15017227
>t. Pampered shitlib posting from his suburb, having never truly worked a day in his life.

The reason they seem crazy to you is because you aren't a human. You are a consumerist robot programmed to devour media and processed food, and anything that doesn't fit into your narrow worldview fed to you by mass media globalists seems absurd. You can't process it, because you aren't equipped to process it. It's just noise and it makes you angry because you think they don't agree with you, and that means they must be crazy.

>>15017974
10 fuming repubs replying with no counteraguments

you are all dumb degenerates and you are actively ruining your own country, glad I was here to give you the wake up call you needed

>>15017348
this

>>15017973
Fake news. 70% of americans are deeply indebted and dont even have 400 dollars in emergency fund

>>15017992

Did it go into one of her orifice and did she squirted back out? asking for a friend.

>15017998
yeah well I assumed we were out of arguments when we started using "browning of america" unironically

>15018001
this is by income tier; you don't get to define the middle class because it's already defined

>he swings 7 times and misses each time
brain empty?

>>15018039
>>15017998
>>15018001
>>15018003
*

>>15017994
So what are you doing now? Call some local HVAC engineering firms, just cold email/call them. They are one of the few branches of engineering that are not pretentious enough to want to hire the "group leader" for the school's memepetition. Just be straight forward and confident, even with autism you'll have a chance.

>>15016728
>$280,000 principal debt bc NYU
>They think I'm going to pay it off

>>15018006
You have never produced or created anything of value in your entire short life, and you likely never will. You are a cattle and the opinion of cattle robot consumers is irrelevelant.

A dumbass redneck who knows how to build a house or grow food is better than you and has a more relevant opinion than you about anything and everything, because even his stupid opinion is informed by actual life experience and value-generation for his surroundings and community.

You do nothing interesting or relevant, and we can tell because of your smug sense of superiority and disdain for others who you accuse of wrongthink.

Basically, you are a bitch and your bitch opinion doesn't matter.

>>15016839
> Warren wants to help poorfags only bc minorities, it's not a full cancelation

You even said it yourself.
It will be wiped out, but surely not for Whites and Asians.

>>15018073
I'm CTO of a growing startup at 26

net worth roughly 300k

you? =)

>>15018048
Nice baiting, making people think you are unaware of your retardation to fish for those (you)s.

>>15018070
It is a measure to prevent you from escaping poverty.
Youre a good goy if you stay poor. Youll get a pat on the back and endless mercy of mr.goldberg.
But dare you to makeanything above 280k after taxes, well...beter pay that loan back.

>>15018090
>now I know you are trolling
like clockwork

>>15018039
America is browning. Fact. Central Americans are objectively shit tier people. Also fact. Your world view is so fundamentally wrong you can't even begin to engage with basic arguments.

>>15018082
Also 26, higher net worth, brighter prospects.

>>15018103
>hey guys, what if people just didn't have to work or pay any debt back, but they still got to enjoy the same standard of living those who bust their ass get to enjoy. Surely that'll incentivize those workers by helping their fellow man and work harder for their sake. This is exactly how human nature works guys.

>>15018082
i am poor african child now gib me $50k u colonialist capitalist pig dog

>>15017994
No, they just keep producing and paying off their debt. Take energy companies; highly leveraged, highly subsidized, they take on debt to provide as much energy as possible since the racket is a volume game; but due to the fact they are 100% necessary, they can get away with high leverage without additional credit risk because they are virtually guaranteed to continue to be productive and pay their loans. Lenders love a guaranteed return. It's when a business defaults that lenders can seize assets or take equity in the business.

>>15017744

i studied mechanical engineering as well. i was the dumbest mf in my entire college, took me about a year to finally get a job. but i got one, in San Francisco (similar impaction to LA), worked there for only 2 months before leaving, put the experience on my resume without specifying a start or end date, and got a new job with a small raise ($4k). have been at my current company for 2 years now, making about 20k more than what i started at (30k if you count for bonus)

ive paid off 50k in student loans in less than 2 years and have another 30k saved. and again, just to remind you, i was the dumbest MF in my entire college, and i have no business having a mechanical engineering degree, much less an M.E. job.

ama if you want. im an open book

>>15018123
what do you propose for a solution? I already proposed mine - ball is in your court, still waiting, not sure what you are waiting for from my side at this point desu

>>15018123
I don't believe you and it doesn't even matter if I did because all I wanted to demonstrate is that the guy I was replying to is talking to a massive strawman he built of me

if your prospects were so bright maybe you would've deducted that on your own, shame I had to hold your hand there

>>15018137
Based and redpilled.

>>15018161
I propose a final solution involving the eradication of niggers and niggerloving communists like you.

>>15018137
>hey guys, what if people just didn't have to work or pay any debt back, but they still got to enjoy the same standard of living those who bust their ass get to enjoy
insane strawman again

are you even trying?

>>15017227

It's not free if you have to put a gun to the head of the person providing you with goods and services. That's just robbery. You are not an idealist but common criminal scum. Just a thug with a superiority complex. No wonder skilled people no longer want to work education or healthcare with psychopaths like you trying to enslave them.

>>15018172
so maybe stop replying to me if you are just gonna repeatedly virtue signal how much you hate niggers and jews

>>15018174
>>15017755
already replied to similar horse shit, cba repeating

>>15018174
Redpilled.

>>15018173
>strawman
Nice argument retard, prove me fucking wrong. The only way you will get people working to maintain the parasitic population is by force. If they don't you simply send them to the gulag, or in your case which is neocommunism it'll be "intolerance assessment camps".

>>15018192
how can I prove you wrong when you quote me for saying something I didn't even remotely imply

I am for an even playing field where the absolute basics for a dignified life is covered, e.g. liveable wages, affordable healthcare and free education

that does not mean you don't have to work, which is what you are saying I'm saying

>>15018187
>other people should work hard so I can be comfortable. Everything should be free for me. Oh no, doing menial or dirty jobs? No no...thats for someone else. Those people don't matter.

>>15018239
I can keep giving you your yous

don't really care if you are trolling or retarded, you're just making my point

hope any repubs reading this see how fucking retarded your demographic is

you can't associate with these people and ever see yourself as a sensible human; they are literal brainwashed circus clowns who can form no coherent thoughts or arguments

>>15018160
What do you do right now?
>>15018221
Ah, I had the wrong assumption then my apologies.

>>15018276
so I hope you vote democratic next election

have a nice day

>>15018286
I would if they would enforce the law of our country by deporting all illegals, strengthened our borders, stopped so many useless social programs, drug tested welfare recipients, made able bodied welfare recipients work to improve our cities by making them at least pick up trash and landscape our parks, made bloated local and state governments accountable for their poor spending (I'm looking at you california), limited aid to foreign countries, stopped force feeding diversity and marxism to our children by corrupting and politicizing our educational institutions, amongst other things. If they do at least the things I elaborated on man, they got my vote till the day I die.

>>15018161
I'm telling you what's wrong with you're so you can come up with a better one.

You want a high quality, fairly equal society. That doesn't start with "education", that starts with people. You can't put a mouse, money, or african through university and get a top ten percentile white man. Same thing with welfare, it's only good if it's truly a safety net. Highly filtered immigration is a critical first step. And it would probably be better if nation states were smaller but even at the size of America the standard is too low. The only alternative is more freedom for people inside the country to not associate with their shit tier fellow citizens. That includes not paying for any aspect of their lives unless voluntarily (ie not taxes).

Immigration also hurts liveable wages that you are fond of. What you also want to look at for that though is the way capital has been able to freely expand since we've come off the gold standard and cantillion effects.

Also Jews are a problem unironically. They are parasites. Mostly the elite Jews but all Jews cover for each other and exhibit similar behaviours at their respective levels.

>>15018221
Minimum wage makes lazy and dumb people unemployable because they cant generate that much value. Min wage actually hurts the weak.

Freedom is more valuable and achievable than equality. People are not the same. They dont even want to be the same. Let everyone live their lives jow they want, free.

I pay enough to keep the interest from accruing but I’m waiting to see what happens. No point in paying them back when I could put my money in better long term investments to pay them off later or in case they are forgiven. One day ik gonna die so why should I care about them?

>>15018328
honestly mostly sensibly suggestions but I don't understand why you think repubs are the better alternative - they are so fucking stupid and corrupt that it frustrates me 5000 miles away

to me the forerunning democrats seem like rational people who want the best for their country, whereas repubs just seem like their entire platform revolves around sabotaging sensible programmes to "fuck the libruls" and enriching themselves - plus their rhetoric is fucking degenerate; absolutely devoid of character and integrity


is it really not possible to vote for a party that is for the things you want? I'm not very well versed in how the US political system works, but here I have a long range of parties to choose from, and while I never agree with everything on the agenda of any party, I can at least approximate and hit somewhere close

>>15016728
who's dis.

>>15018348
hard no

>>15018388
Both parties are fucked, but in the US at least the democratic party is not just fucked, but it is also unhinged to the point it is hurting itself and everyone else around it. I don't know what information you get from the media in your country but as an american who uses logic and has to live here and in califor ia of all places, I can tell you without a reasonable doubt the republican party is the best we got right now. I wish the us would consider another party, but the people are retarded and divided, they treat sports like football anymore.

>>15018424
>treat politics*
It's all fucked

>>15017227
solid bait ill bite
>identity politics
cory booker wants reperations for black people how is that not identity politics

Im all in on crypto because us fiat is going to 0 if democrats take over

>>15018413
All you've done in this thread is make snarky comments like some kind of roastie

>>15018413
You couldnt recognize reality even if it hit you in the dick.