/biz/ - Business & Finance

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Anonymous Wed Jan 14 20:11:37 2015 No.613701 [Reply] [Original]

Last one successfully 404'd

Post your
>Age
>Savings/ net worth
>Debt
>Monthly income
>Financial question(s)

I'll start
>Age
22
>Savings/ net worth
25k
>Debt
3k in hospital bills
25k on my car ($520 monthly payment for the next 5 years)
>Monthly income
$2400 before taxes
>Financial question(s)
Am I in a good position to purchase my first home? Let's say I want a $200k home. Is 25k in savings enough to contribute to a down payment, and is my income enough to pay for a mortgage?

>>	Anonymous Wed Jan 14 20:27:06 2015 No.613719 >>613701 You need 20% down and you wont get raped on interest rates. I would wait until you have more savings before buying a house Also pay off interest bearing debt before taking on more debt

Anonymous Wed Jan 14 20:41:41 2015 No.613730

>>613701
>19
>45k
>0
>0
How do I invest my money? I've been trying to get a job, but it's difficult without connections or experience, so I'm simply focusing on school and applying for internships. I'm staying with my parents until I graduate with a Master's and I'm saving all my money to graduate university without debt.

In my spare time, I've been volunteering and learning new skills but it just seems like I'm not wanted.

>>	Anonymous Wed Jan 14 21:04:37 2015 No.613744 >>613701 >>Age 25 >>Savings/ net worth $22k >>Debt $0 >>Monthly income $4500 engineer

>>	Anonymous Wed Jan 14 21:33:48 2015 No.613769 File: 100 KB, 1262x694, image.jpg [View same] [iqdb] [saucenao] [google] >>613701 27 $100k+ Just crawled out of $20k debt from my early 20s $1600 None

Anonymous Wed Jan 14 21:58:15 2015 No.613788

>23
>23g in savings. >$100,000 in a Roth IRA
>No Debt.
>I make > $80,000 a year, living in MA.
>I have no clue what I'm doing. I feel like I should work in a different part related to my field since it seems like there's faster income growth there, a LOT faster than the current set-up I'm in now but I don't know if I should take the plunge and start applying. What I'm doing now just doesn't fit. I find myself thinking this is fucking stupid every single day but my bosses love me. What do, /biz/?

>>	Anonymous Wed Jan 14 22:03:01 2015 No.613796 >Age 27 >Savings/ net worth 150K >Debt 5k but they're subsidized student loans >Monthly income 2200$ >Financial question(s) how do I richer

Anonymous Wed Jan 14 22:08:55 2015 No.613801

>>613701

Age 18

Savings $13,000

Debt: $0

Monthly Income :$2000 Give or Take

Question: Thinking about saving to buy a studio apartment in the city for $100,000 in Cash i should be able to achieve in around about 6 years ( Still live at home and i am going to college next year) once i finished i could move out into the newly purchased apartment and live until my job pays reasonably or i could just live in it until i get married therefore allowing me to invest and save more money due to me purchasing it in cash and being debt free . is this a good idea? can anyone point out flaws in it that i should consider?

Anonymous Wed Jan 14 23:04:21 2015 No.613871
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>>613701
>>Age
39
>>Savings/ net worth
30k taxable investments
170k 401k
>>Debt
0$
>>Monthly income
8k gross
5k net (After 401k, HSA, etc)
>>Financial question(s)
If I don't buy this year and put it off till next year there is a chance I may not buy at all. I may just rent until I can afford a house (at/near) the gulf coast. Any thoughts? Buying could save me a ton of dough in the long term but I hate the idea of being tied to a location or property.

>>	Anonymous Thu Jan 15 09:48:57 2015 No.614350 >>613730 How do you have 45k saved up at 19 with no income?

Anonymous Thu Jan 15 10:04:43 2015 No.614359

>Age
21

>Savings/ net worth
$28 in Savings
$500 in Checking
$15K in Brokerage
$180K in CDs (inheritance)

>Debt
$7K Student Loan
$300 Credit Card
About $1200 in collections

>Monthly income
$4K

>Financial question(s)
I have horrible credit (like 568 poor) due to being 21 and have a shit history of missing payments on my phone and cable bill. But I have more than enough to get a house. I'm working on my credit. Would it be wise to get a house now despite the likely rates I'd get then refinance in a few years when I have a better credit score? I'm approved for a FHA loan. The loan adviser said that's a good idea but then again it's probably just more money for them right?

>>	Anonymous Thu Jan 15 10:13:12 2015 No.614373 >>613701 >20 >3500 >~32,000 >Not much, I'll probably make around 3-4k this summer >How much do I need to buy and start up assign apartment building for that passive income?

Anonymous Thu Jan 15 10:14:21 2015 No.614377

>>613701

>Age
22
>Savings
45k
>Debt
None
>Monthly income
5080 before taxes
>Financial questions
Let's say that I increase the productivity of a not-necessarily lawful small-scale business in a 3rd world country for a cut of their future profits. I'm Canadian. What would happen to the money I make? Does it get added to my annual income for Canadian tax purposes, or what? Would I get in trouble because the company may not operate within the law?

>>	Anonymous Thu Jan 15 10:16:47 2015 No.614379 >21/22 year olds working full time jobs What am I missing here? Shouldnt you still be in college?

>>	Anonymous Thu Jan 15 10:19:51 2015 No.614383 >>614379 If you are valuable to anything, you would have gotten college credits while in High School to graduate with an Associate's Degree equivalent then would graduate with your Bachelor's by 20. Sorry you didn't make it.

>>	Anonymous Thu Jan 15 10:21:16 2015 No.614384 >>614383 Well, I am not american so I obviously didnt.

>>	Anonymous Thu Jan 15 10:21:56 2015 No.614385 >>614384 It's never too late. I can find you a cute broad to marry for your green card.

Anonymous Thu Jan 15 10:23:47 2015 No.614386

>Age
25

>Savings/networth
435,000€

>Debt
150,000€

>Monthly income
3420€

> Financial Q
I'm starting a business that has potential in being very profitable.

I will be making printed tops/tshirts/tanks etc.. for girls. I have contacts to make them super cheap at quite good quality. The shirts printed costs me around 1.00€ each plus and additional 0.16 for shipping and taxes. I have sold them for 14,95 or market places and had one arabic guy selling on markets, buy from me a 200 pieces for 5,50€. So profit margin wise the product is very good. I think if I build up a brand I could most likely sell them for 16,95€ - 19,95€. My biggest problem is where to find wholesale clients specially international ones? How do you get into contact with them? How can I get this idea forward so I can make some money?

>>	Anonymous Thu Jan 15 10:24:03 2015 No.614387 >>614385 I prefer to be european, but thanks. Have been to the states multiple times already and didnt really like it. There is a vast amount of countries that has a lot more to offer.

>>	Anonymous Thu Jan 15 10:33:36 2015 No.614394 >>614387 You mean like how the US spends more per GDP on health care than any other country yet we don't even get basic coverage?

Anonymous Thu Jan 15 10:44:40 2015 No.614407

>>614394
Nah, I also meant from a cultural perspective. Potential income isnt the only reason people immigrate to certain countries. There are a lot of other things that you have to take into consideration. I dont know how bad healthcare really is in the US, so I cant comment on that. I assume that people tend to exaggerate when they say that its on level with 3rd world countries.

>>	Anonymous Thu Jan 15 10:56:09 2015 No.614426 >>614379 Graduated 3 months ago, but I finished my courses early and started work a month before my graduation ceremony. It's not hard to grad before you turn 23. You don't need college credits in high school like >>614383 says.

>>	Anonymous Thu Jan 15 11:16:29 2015 No.614442 >>614350 Financial aid, parents, I worked in HS and in community college--I simply don't have a job right now.

>>	Anonymous Thu Jan 15 11:18:20 2015 No.614444 >>614383 Imo, if you were clever and had balls, just drop out of High School and go straight to community college. You can be done with your bachelor's at the age of 19-20~ if you do that.

>>	Anonymous Thu Jan 15 11:21:30 2015 No.614447 File: 34 KB, 433x432, 1411446717212.jpg [View same] [iqdb] [saucenao] [google] >>614444 check out this guy

>>	Anonymous Thu Jan 15 11:24:19 2015 No.614449 >>614444 You have to be 18 to go to community college. Unless you graduated early (such as some people graduate at 17 instead of 18), you can be exempt. Dropping out and getting a GED isn't acceptable.

Anonymous Thu Jan 15 11:29:11 2015 No.614455

>>614449
Nah, you don't have to be 18 to go to community college. Not in California, at least.

If you drop out Freshman year of HS, get a GED, then apply for a community college they accept you. My friend didn't even get a GED, and he's in his Junior year at UCSD as a Junior at the age of 19 after transferring from OCC.

I thought the age requirement was 16, so that was when I bailed and switched. But apparently, you can be any age as long as you have a GED.

>>	Anonymous Thu Jan 15 11:30:49 2015 No.614457 >>614455 Didn't have a GED at the time he went to a community college** I think he got it while going to OCC before transferring because it was necessary.

>>	Anonymous Thu Jan 15 11:45:09 2015 No.614464 >>614455 California isn't the entire world.

>>	Anonymous Thu Jan 15 11:49:36 2015 No.614466 >>614464 It damn well should be.

>>	Anonymous Thu Jan 15 11:50:56 2015 No.614469 >>614466 I'd kill myself.

>>	Anonymous Thu Jan 15 11:53:47 2015 No.614474 >>614469 Even better.

>>	Anonymous Thu Jan 15 11:56:49 2015 No.614477 >Age 25 >Savings/ net worth $12,000 >Debt $12,000 >monthly income $4,600 how did you niggers save so much? man i am such a pleb

Cal !7p6ZFzW.pU Thu Jan 15 13:56:29 2015 No.614617

>>613701

Slow work day so I'll bite:
>Age
33
>Savings/ net worth
Cash:195k or so. NonCash: 300k
>Debt
260k left on mortgage
>Monthly income
11k before taxes.
>Financial question(s)
Anyone doing buy-writes on S&P500 index funds?

And post your location plebs because if you're in a high cost city like London/NYC/SF, you're poor if you make 100k a year.

I'm in NYC

>>	Anonymous Thu Jan 15 14:06:51 2015 No.614629 >>614617 >Makes $132K >calls people poor if they make $100K and live in high cost city >lives in high cost city Where's that Obama come on man gif?

>>	Anonymous Thu Jan 15 14:07:16 2015 No.614630 >Age 29 >Savings/ net worth 0 >Debt 10k $ >Monthly income 680$ (civil engineer) >Financial question(s) So... should I move to a better country or not?

>>	Anonymous Thu Jan 15 14:20:08 2015 No.614647 >>613701 28 0/dunno 0 €2000 I hate thinking about money, budgeting, etc. Is there any way I can shake off this aversion?

Anonymous Thu Jan 15 14:39:34 2015 No.614670

>Age
25
>Savings/ net worth
Cash: $7,500
Investments: $24,000
>Debt
Student Loans: $9,000
>Monthly Income
$1,720
>Place
NY metro (aka kinda expensive)
>Financial question(s)
Should I just spend most of my cash (emergency fund) to pay off most of that remaining debt?

Live with parents. What's the best way to gauge if you're ready to find your own place?

>>	Anonymous Thu Jan 15 14:43:37 2015 No.614679 >>613701 Age: 25 Savings/Net Worth: 2k Debt: None, paid of all debts december 2014 Monthly income: Varies, between 2500-3200 a month after taxes Financial Questions: What's the best way to invest about 10k (which i will have in the next 3 months)?

Cal !7p6ZFzW.pU Thu Jan 15 15:33:14 2015 No.614743

>>614670

>>Financial question(s)
>Should I just spend most of my cash (emergency fund) to pay off most of that remaining debt?
>Live with parents.

Yes, because you're living with your parents, you don't need that big of an emergency fund... unless they don't have one and need your income. Also, no if you can generate more investment returns higher than your student loan interest

>What's the best way to gauge if you're ready to find your own place?

you can find a place that your rent is less than half your monthly AFTER tax income.

Anonymous Fri Jan 16 03:05:13 2015 No.615449

>Age
23
>Savings/ net worth
$2,000
>Debt
$36,000 in Australian student loans
>Monthly income
$800 government bux for studying
>Financial question(s)
Australian student loans currently have interest indexed to inflation, but this is potentially going to rise soon. At what level of interest should I stop paying them off as slowly as possible and start trying to pay them down?

Anonymous Fri Jan 16 03:19:26 2015 No.615459

>>614679
Depends on your investment timeframe and risk tolerance. We really need a sticky.

>>613801
>>613871
The issue with saving up the entire sum in cash is that during that time you're also paying rent, unless you live at home

There's two types of dead money here:
1. Rent
2. Interest paid on mortgage

Essentially you want to minimise how much you pay on either of those, but the way to do that depends on a lot of factors, including how long you'll stay there, market prices, rent prices, and a whole lot more. You can either figure it out by hand, or, use this calculator:
http://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html?&abt=0002&abg=1

All things being equal though, if you're sure you're going to be staying at a property for twenty or thirty years then it's almost always going to be better to buy, and if you're wanting to just stay for just a couple of years then it's almost always better to rent. It's the inbetween area that really relies on the factors I mentioned before.

>>614359
I'm not familiar with American credit scores, but if you're really going to get screwed on the rate then you'd probably be better off waiting until you have a better score. Not to mention the fact that if you default on mortgage repayments because of the too high interest rate then you're just fucking yourself more and there won't be any refinancing options later.

And holy shit dude, I just noticed you have 8.5k in debt, including debt in collections. Why the fuck are you even considering taking on more before you've paid that off?

Clueless Fri Jan 16 03:31:37 2015 No.615466

>Age
22
>Savings/ net worth
2,000 USD in energy stocks, very low dividends
>Debt
0, live with Mother. I have a 756 credit score actually
>Monthly income
0. I quit my job, Mother was diagnosed with Stage 3 breast cancer, staying home with her to help her out.
>Financial question(s)
I will take advice seriously, I have pretty much a blank slate and am willing to work extremely hard. Although I am so clueless on the subject I wouldn't know where to start. Anyone want to be my financial adviser? I will report back with my results ASAP.

>>	Clueless Fri Jan 16 03:32:50 2015 No.615467 >>615466 Forgot to mention, I have a two year degree in General Studies, pretty sure it doesn't help much.

Anonymous Fri Jan 16 03:39:13 2015 No.615470

>Age
24
>Savings/ net worth
3.5k roth ira
1.5k checking account
11k total net worth
>Debt
0
>Monthly income
3k-3.5k gross
>Financial question(s)
I can only work about 40-50 hours per week but I want more money. My wage will go from 18 to 27 in less than 4 years so I want to keep the job. How do I make a secondary income? Do I watch the market and look for good investments? Should I learn swing trading?

>>	Anonymous Fri Jan 16 03:42:47 2015 No.615472 >>615466 You're at a stage in your life where the most important asset to invest in is yourself. Working on your career will do a lot more for you than micromanaging how you invest your money.

>>	Clueless Fri Jan 16 03:47:04 2015 No.615473 >>615472 So continue with my education next fall? What can I do while sitting at the house and tending to my mom? I take her to doctor appointments, do chores, and make her food, the rest of my time is my own. I feel like I am wasting time.

Anonymous Fri Jan 16 03:51:54 2015 No.615475

>>Age
24
>>Savings/ net worth
$600
>>Debt
$3k
>>Monthly income
$0

Just graduated college and haven't found work yet, just bought a house with my wife, and I had more savings but I spent it all on moving, and then my fucking transmission blew up, so I had to replace that.

Anonymous Fri Jan 16 03:52:11 2015 No.615476

Age
>24
Savings
>$3k
Debt
>$20k (uni)
Monthly income
>$700 (just graduated, trying to find a real job, current costs of living are just low enough to get by before loan payments)

Financial Questions:
Can I move on my 3k of savings? I need to move before the end of the year to a bigger city/job market if I ever want to make any money. I am in a very difficult place regarding saving anything, working as much as I can but I need to dedicate hours each week to unpaid resume building work too. In my current town professional work is nonexistant if you have under 5 yrs exp. In a big city and better job market I am qualified for a wide variety of entry level 55k+ positions. Am I setting myself up for disaster? I can't waste my savings on loan payments, I feel that I need to not waste time doing work that doesnt build my resume, and that I need to get up and move - fast.
Does this sound stupid or necessary? There is no work here, but im also afraid that in a bigger job market the fact still remains thar it is impossible to get hired w/o 2-3 yrs matching experince.
If there IS entry level work, I am in a position to get it (and must continue building exp b4 moving, not wasting time working triple hours in a my grunt job). If entry level work really is a myth I could be in trouble, though.

Anonymous Fri Jan 16 04:05:56 2015 No.615483

>>615473
On average, a college education increases your lifetime earnings by a bit over a million bucks in todays dollars. However, this is an average figure, it's going to vary heaps depending on what degree you're doing. So some degrees might get you hardly any advantage compared to the tuition (teaching, arts, etc) and others might earn you an awful lot more (engineering, geology, etc).

>>	Clueless Fri Jan 16 04:08:20 2015 No.615484 >>615483 Thanks for the heads up, haven't really decided on a major for the Fall yet, hence the General Studies associates.I will look into it for sure.

Anonymous Fri Jan 16 04:16:51 2015 No.615486

>>615484
The way I figure it, most people don't end up doing something they love. Find something you think is pretty good that pays well enough for you to A) not have to stress about money, and B) have time and cash to spare to do stuff you enjoy.

If you were to have something you were honest to god passionate about my advice would change but given that you don't, just be pragmatic about it.

Anonymous Fri Jan 16 04:25:36 2015 No.615490

>>615473
>>615484
Oh, and if the degree that you decide on requires mathematics (hint, it probably should) then you can spend your time productively by working on your maths skills. I'd strongly recommend Khan Academy.

If you wanted to get into something coding related, then go ask /g/, I've seen some good resources posted for those wanting to get into coding.

>>	Anonymous Fri Jan 16 04:26:59 2015 No.615491 >>615476 How about you get the job lined up before you pull the trigger on moving?

Clueless Fri Jan 16 04:30:20 2015 No.615492

>>615486
I've been reading about Information Securities. It's grown 12% in the last year, and looks promising for next 30+ years. Plus the closest University to me has a stellar IS program, I am leaning towards it, but then again I'm pretty sure it would be mind numbingly boring. We'll see though, I still have some time to research.

Honestly, I believe I would enjoy being an entrepreneur, setting up succesful small businesses that serve the communities. Laundromats, tanning salons, maybe a used car dealership. Doesn't have to be big and flashy. I would enjoy creating and working on a project that would turn a decent profit, but who wouldn't right?

Clueless Fri Jan 16 04:45:34 2015 No.615499

>>615490
Signed up just now. I think I will work on the Entrepreneurship classes first and then move on to coding( which I know less than nothing about) Thanks man I appreciate it, at the very least it will give me something to do all day and I bet I will learn something.

>>	Anonymous Fri Jan 16 06:26:23 2015 No.615554 >>614630 Yes, you should. At least if you can learn the language.

>>	Anonymous Fri Jan 16 08:17:40 2015 No.615616 >Age 25 >Net Worth Apartment 100k Collectable Guitars 70k Savings 50k >Debt Mortgage on apartment 40k >Monthly Income 10k (Guitarist for famous band in Australia) >Financial Question I lucked out and now I'm fucking rich cunts

Anonymous Fri Jan 16 08:42:51 2015 No.615630
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>Age
30
>Savings/ net worth
$4k Cash, whatever home equity is, and about $5k worth of guns
>Debt
$26k left on car, about $85k left on House
>Monthly income
$2,300 after taxes
>Financial question(s)
Do I suicide yet for being a life failure or wait a few years?

All I know is a shitton about insurance (Health&Welfare, P&C, not so much Life) and Workers' Comp. I've thought about selling the house and going to night school to get a law degree - in name only. I wouldn't practice, but would use it with 4-5 years in the Insurance Biz to get a better position and better money.

>>	Anonymous Fri Jan 16 08:42:54 2015 No.615631 >>613701 >21 >$3100 >$2500 >$1900 I fucking hate this hand I was dealt. However, I have no fucking clue what I want to go to college for, and even if I did, I didn't get the grades in highschool because I was a lazy shit.

>>	Anonymous Fri Jan 16 08:54:10 2015 No.615637 >>613701 22 15k 0 1.5k How 2 best growth? I don't have much time to play stocks or work on "active" investments.

>>	Anonymous Fri Jan 16 09:03:54 2015 No.615645 >>615630 We share the same question. I'd suggest you to get the Law Degree.

>>	Anonymous Fri Jan 16 09:48:12 2015 No.615690 >21 >Savings: 0 Net Worth: Own a 100k apartment >0 >around 700$ from a 8-10 hours part time job

Anonymous Fri Jan 16 09:49:45 2015 No.615692
File: 72 KB, 500x500, Bhv_NAvxkCA.jpg [View same] [iqdb] [saucenao] [google]

>Age
19

>Savings/ net worth
$150 in bank (I'll be putting 90% of my tax returns into savings though, should get ~$400)
$2000 in hobby items
$1600 for car
~$3800 total

>Debt
~$4000 in student loans, not paying on them now

>Monthly income
$250

>Financial question(s)
How should I go about savings $6000 in the next 6-7 months? I currently live in a shitty state with no decent oppurtunities so I'm hoping to get enough saved up to move to Seattle this summer so I can finish up school and make business connections.

Problem though is, my current job is being really shitty with hours so I'm not making enough at all to hit my goal.

Of course I'm going to be applying for new jobs but I'm not totally sure what to do. I've tried applying at IT jobs before but I don't have any formal experience so I'm having a lot of trouble getting my foot in the door. I could always lie about how much experience I have since they're asking for 2+ years experience and a multiple certs just to read off a script.
Another option is to apply at banks which start at $9 an hour and just leave with less saved up than I'm hoping to have.
What other fields are there that start at $12/h+ and I can possibly get into with little/no experience?
My background for my current job is it's a local pizza place and I've been there for almost 2 years, I do sales, driving, inventory, and data entry.

>>	Anonymous Fri Jan 16 11:53:02 2015 No.615846 >>615554 I speak English and German besides my mother language and I'm currently learning Russian. I think I could manage.

Anonymous Fri Jan 16 12:11:14 2015 No.615873

Age - 22
Savings/net worth - 0
Debt - ~20k (Student loans)
Monthly Income - 3k (Last month of probation at work, this is gonna jump since I'll probably be getting ~60 annum + bonuses + equity)
Financial questions - How to negotiate for more equity (Usually this ranges from 1% - 0.10%)? Company most likely going to blow up big after Series A since we've been crushing revenue expectations and are dealing with growth/scaling pretty well.

Anonymous Fri Jan 16 12:19:32 2015 No.615893

>Age
22
>Savings/ net worth
I assume my savings are zero.
>Debt
2,000$ Oh, the days of being uninsured. (Paid off the other 2,000 though! Almost done!)
>Monthly income
900$
>Financial question(s)
Are areas with low living costs also poverty traps? I feel like I'm stuck in a trend, I need to change something.

>>	Anonymous Fri Jan 16 12:23:14 2015 No.615901 >Age 20 >Savings/ net worth 15k >Debt 0, got a company car >Monthly income 2200 >Financial question(s) How does one invest in Europe?

>>	Anonymous Fri Jan 16 12:23:51 2015 No.615903 >Age 19 >Savings/ net worth £3000 >Debt £0 >Monthly income £800 >Financial question(s) How make money from Swiss exchange rate?

>>	Anonymous Fri Jan 16 12:28:59 2015 No.615912 >Age 23 >Savings/ net worth like 60 euros >Debt 0 >Monthly income 400 euros before taxes >Financial question(s) no questions m8

Anonymous Fri Jan 16 12:30:22 2015 No.615915

>>615491
How would I go about doing that?
I've already begun researching/prospecting companies at the cities I am looking to move to, but even if I am qualified for these entry level jobs, how would I land an interview? As a recent grad the job market is incredibly hostile and entry level work is rare at best, I really feel pretty powerless until I have actually relocated to a larger job market.

It seems like id be competing against 100s of similar candidates who, unlike me, can drop in for an interview at a moments notice. Companies don't exactly fly people out for interviews, unless you're Mgmt level and in your 40s at least.

>>	Anonymous Fri Jan 16 12:35:45 2015 No.615929 >>615915 >line as many interviews as possible in a week >sleep in a dirt cheap hotel I don't see the issue.

Anonymous Fri Jan 16 13:04:37 2015 No.615960

22
3.1k in IRA, 1.5k in guns, 6k liquid
0
2200
How do I use my money now that I will have very little real expenses (14 year old car, military pays for rent and food) to make it work for me? I don't have the time to be a stock trader or capital to do heavy investing.

And fuck all the Daddy's Money faggots ITT.

Anonymous Fri Jan 16 13:19:40 2015 No.615974

>29
>£20000 in ISAs, about £2000000 in assets through a property development company
>£9000 or so student loan
>£0 monthly, but ongoing projects ought to net me large lump sums every few years, starting with £500000 - £1000000 in three years time

Not having a regular income is a pain. I'm figuring out something modest, but I don't want to be drawing too much on the company's future earnings or taking out loans, and the value is all tied up in the assets. Wat do for income for the next three years?

>>	Anonymous Fri Jan 16 13:25:12 2015 No.615984 >>615974 So what do you exactly do? Do you renovate houses? Also, how did you land that gig?

Anonymous Fri Jan 16 13:30:52 2015 No.615999

>Age
24
>Savings/ net worth
£15k in fidelity retirement fund
£1k in current/checking
£3k in various savings a/cs
£2k tied up elsewhere
>Debt
£0
>Monthly income
£1900 after tax. The government rapes me of ~£700 every month to give to welfare pakis.
>Financial question(s)
How much left in the S&P before the crash? 10-15%? Less/More?

Engineer

Anonymous Fri Jan 16 13:38:52 2015 No.616018

>Age
22
>Savings/ net worth
$1000 Savings
$700 checking
$7000 car
$5000 in 30-year 7.5% T-Bonds purchased the week I was born (Jan 1992)
>Debt
$0
>Monthly income
~$2000 from internship
~$60 from T-Bond
>Financial question(s)

The investment firm I'm currently interning at has agreed to hire me for 68k a year when I graduate in May. Is there any reason I shouldn't just keep 5k or so in cash savings and put the the rest in S&P index funds? I still plan on actively investing a portion of my income in securities and real estate, but I'm not quite sure where to put my set-it-and-forget-it money. Is there any other type of fund or long-term security with a higher long-term return than say, VOO or SPY?

>>	Anonymous Fri Jan 16 13:39:56 2015 No.616021 >>616018 Full disclosure, my stock trading ability will be severely limited due to regulations concerning investment firm employees, so other markets would be preferable.

Anonymous Fri Jan 16 13:45:52 2015 No.616033 [DELETED]

Age: 22
Savings / Net Worth: about 5k. Should be up to 10k by the end of June, 14k by the end of July.
Debt: 0, motherfucker! Though I'll be going back to school next year, which will cost me 7k a year.
Monthly income: Varies between 1200 and 2000, depending on how much I work (lifeguard with the City of Toronto).
Financial question(s): Here's my blog
https://dankshark.wordpress.com/
Basically, I have about ~700 dollars I'm committing towards business endeavors/investments. I'm reading a financial help book, and reflecting on everything I read.

Anonymous Fri Jan 16 13:46:19 2015 No.616035

>>615984

Renovating houses would give me a more steady income stream. We're building a couple of small blocks of flats, which takes a few years from start to finish. I got the job through the joys of sheer nepotism, the company is family owned. My background is property, so I've persuaded my parents to stick a bunch of cash into some developable sites and now I have the responsibility to turn that into delicious profits. Most of them will probably get reinvested, but that's the amount of assets and profit that would be attributed to my share in the company.

Anonymous Fri Jan 16 13:53:10 2015 No.616045

>>613701
29
~8,000/~110,000
~5k college debt from 2008
~3,083K prior to taxes, not including incidental income from writing and building custom computers.

I own a home and two cars with my wife, who makes 40K. We just had our first kid this year. What are some sustainable ways I can generate incidental income, taxable or otherwise, from my existing capital base?

Anonymous Fri Jan 16 13:56:11 2015 No.616050

>>615929
Fair enough
But how do I go from "here's a company i would love to work for" to actually havingan interview lined up? I'd sooner be proactive and start a dialogue myself/offer my services than hope to get lucky with the weeks' indeed/experience/glassdoor listings.

I want a proactive job search, not a reactive one, but how can I be proactive, how can I be taken seriously as a candidate if i dont even live in the area yet?

And this is a assuming that my skills, education, and experience are enough for consideration, again, I am not a 30 something w/ years of exp, and these are real paying jobs.

Anonymous Fri Jan 16 15:00:20 2015 No.616136

>>616035
Any advice on flipping houses? Is it actually worth it?

>>616050
Companies don't really care where you live, at least not when you make clear that moving is not an issue.

To get the interview: research the company you'd like to work for and check whether they've got an open position. Write a mail to them using the same keywords they use in the job description to describe your competences and make clear how you could add value to their business.
Call them up if they don't answer after a week.

If you get an interview then prepare for various dull questions they ask you and display confidence. No one wants to hire a NEET.

https://www.youtube.com/watch?v=taOo0Rexo8s

Anonymous Fri Jan 16 15:04:19 2015 No.616147

>Age
25
>Savings/ net worth
$7.23 million
>Debt
none
>Monthly income
Depends due to nature of work but typically around $17,000 - $20,000 (of course this is liquid, I'm amassing more in the various shares I'm holding, in addition to other investments)
>Financial question(s)
N/A

>>	Anonymous Fri Jan 16 15:21:52 2015 No.616170 >Age 24 >Savings £1400 >Debt Only student loan >Monthly income £1335 after tax >Financial question Best way to go about buying into the small business for which I work? Got an excellent relationship with the boss.

>>	Anonymous Fri Jan 16 15:45:17 2015 No.616219 >>615616 Post Guitars.

>>	Anonymous Fri Jan 16 15:46:44 2015 No.616222 >>613701 >18 >About £400 >0 >£159 Not bad for someone from a poor family and can't seem to find a job anywhere.

>>	Anonymous Fri Jan 16 15:52:18 2015 No.616226 >>616147 kek

>>	Anonymous Fri Jan 16 15:55:28 2015 No.616230 >>613701 >22 >400€ >none >800€ >i know everything

>>	Anonymous Fri Jan 16 16:00:55 2015 No.616237 Age: 20 Savings/Net Worth: 3,000 euros Debt: 0 Monthly income: 950 euros After rent and food and everything I can save 100-300 euros a month easily. Should I do anything with the money I've saved up to make more money?

Anonymous Fri Jan 16 16:03:22 2015 No.616239

>>616136
Thanks again for the advice.
I'm no Neet, I have basic work experince + a degree and a relevant internship. I have excellent soft skills generally, but the job search I went thru in my hometown left me very pessimistic about my outlook and I am sometimes uncertain of where I really stand in the eyes of employers (so I assume the worst).

Anonymous Fri Jan 16 16:17:46 2015 No.616251

>Age
25
>Savings
$6,000
>Debt
$30,000 (University fees)
>Monthly income
$2,300
>Financial questions
Not necessarily financial advice but I want to become a stockbroker, what's the best way to go about it when you don't have any experience or a related degree (I have a marketing degree)

>>	Cal !7p6ZFzW.pU Fri Jan 16 16:33:57 2015 No.616272 >>616021 Depends... I'm in IB and I can buy most individual stocks with preclearance and most mutual funds/etfs without preclearance if they don't fall in industries under my departments coverage area

Anonymous Fri Jan 16 17:56:03 2015 No.616363

>>616226
It appears, the kek is on you my friend

>Dad started a company as a consultant in the oil industry about 20 years back (he's a mechanical engineer)
>has been project manager on 2 large rig projects, each of multibillion dollar size
>Was practically begged to take on the role of CEO at a company with $1.1 bn in debt, managed to turn it around after 4 years
>has also had several other roles for shorter amounts of time, one of which was vice president of a certain company headquartered in Zurich that may or may not have an annual revenue of $40 bn
>anways, this consultant company of his went very well obviously
>I own 15% of the stocks, and have had since age 13
>dat dere sweet, sweet landed wealth and opportunities you could only dream off

not everyone grew up as middle class scum, anon.

>>	Anonymous Fri Jan 16 18:40:43 2015 No.616424 File: 51 KB, 500x333, pretty-girl-laughing-09.jpg [View same] [iqdb] [saucenao] [google] >>615999 >timing the market

>>	Anonymous Fri Jan 16 18:46:45 2015 No.616433 >>616170 Work out the rough market value, save up say, 10% and then talk to him about becoming a partner?

>>	Anonymous Fri Jan 16 19:03:06 2015 No.616453 >>616433 Any thoughts on how to work out the market value? Turnover will be about £1 million by the end of 2015, with something around a 15% profit margin.

>>	Anonymous Fri Jan 16 19:09:19 2015 No.616466 >>615630 I'd just be concerned about law being oversaturated, assuming you're in the states. >>615873 No harm in asking if you can get your bonuses in equity.

>>	Anonymous Fri Jan 16 19:19:47 2015 No.616479 >>616453 https://www.google.com.au/search?q=how+to+calculate+market+value+of+a+business&ie=utf-8&oe=utf-8&gws_rd=cr&ei=bKq5VPfwC8ammAXw64LABQ

Anonymous Fri Jan 16 20:44:59 2015 No.616568

>>613701
> 22
> 22k in Savings
> No debt (paid off car)
> Monthly Income is about 1800 -2000.
I am wondering if this is a good idea. I am thinking about purchasing a cheap foreclosure house and have two room mates that I charge around 500 dollars a month each. This is cheap considering a 1 room apartment is about 500 dollars alone (not including utilities and such). Is this is a good idea?

>>	Anonymous Fri Jan 16 21:00:23 2015 No.616576 >>613701 >21 >52k savings / 80k net >0 debt >4k income student next to it

>>	Anonymous Fri Jan 16 21:17:32 2015 No.616583 >>613701 >>Age dirty 30 >>Savings/ net worth 150k stashed in Jordan Sneaker Boxes >>Debt 2 bricks on cuff from my Colombian Plug >>Monthly income stacks nigga >>Financial question(s) How do I hide all this money from my baby momma and my parole officer?

>>	Anonymous Fri Jan 16 21:26:37 2015 No.616589 Should I max out my roth ira before opening a new portfolio for trading?

>>	Anonymous Fri Jan 16 21:43:45 2015 No.616611 >>613719 Terrible advice. Where rates are at he'd be best just putting 5% down and if he has good credit going with lpmi and refinancing in the future if rates drop.

>>	Anonymous Fri Jan 16 21:48:27 2015 No.616617 >Age 24 >Savings/ net worth 60k >Debt 0 >Monthly income $30,000 (very very recently) >Financial question(s) Don't really have any, but if you guys want to ask go ahead.

>>	Anonymous Fri Jan 16 21:49:45 2015 No.616620 >>616617 What do I do to make 30k a month

>>	Anonymous Fri Jan 16 21:54:57 2015 No.616626 >>613701 >Age 23 >Savings/ net worth 0 >Debt 10k >Monthly income 6K CAN >Financial question(s) none, im the king

Anonymous Fri Jan 16 21:55:34 2015 No.616627

>>616620
I sell things online. High-profit margin things. I've gotten to the point now where I can just hire people to do all the work that comes with that (not that much to be honest, hardest part is getting started).

You still have to figure shit out for yourself, I did. Took 4 year and a lot of wasted money.

I'm in Canada btw.

>>	Anonymous Sat Jan 17 08:34:32 2015 No.617045 >>616627 What are considered high profit margin things ? Any tips to ppl who consider selling things online for a living ?

>>	Anonymous Sat Jan 17 09:28:24 2015 No.617079 >Age 24 >Savings/ net worth $20k >Debt none >Monthly income $4k >Financial question(s) How do I take care of my savings?

>>	Anonymous Sat Jan 17 13:43:26 2015 No.617272 File: 183 KB, 501x640, ayy.jpg [View same] [iqdb] [saucenao] [google] >>613701 I'm 30 and want to kill myself now thanks to this thread. Thanks /biz/

>>	Anonymous Sat Jan 17 13:51:20 2015 No.617278 >Age 23 >Savings $400 >Debt 19k >Monthly income $150 oh well, my fault. should change soon

Anonymous Sat Jan 17 14:32:14 2015 No.617318

>>613701

>>Age
25
>>Savings/ net worth
USD $2.873m (lawyer, also some from investments)
>>Debt
none
>>Monthly income
20k (tax exempt, don't live in the states)
>>Financial question(s)
none
will lurk in thread for a bit though so can answer some questions mainly on my investment strats and more.

Anonymous Sat Jan 17 14:46:55 2015 No.617334

>>617318
also, as i can see people calling bullshit, will try and dig out my last bank receipt.
also a bit about myself
> got offered a sponsorship by a law firm i had done some work experience with, offered to cover half of my university fees + law school fees ( did law at uni, studied in the uk, so only had to spend 1 year at law school)
> parents were well off so paid for the rest of my school fees, didn't need to take out any loans
> saved up some money from doing odd jobs while at school, mainly IT related.
> used savings i had (around 15k) to invest, made a bit of money, nothing spectacular
> started working, still lived with my mum, payed for water, electricity, my petrol, etc.
> when silkroad got shut down like last year, BTC value plummeted to ~$15 at one point, put 30k into BTC, was a gamble but hoped it'd pay off
> sold when BTC was up at around $900 for that one week before it fell to around $700.
> the rest has been made from investing in other things, mostly NYSE companies. trick with that i've found is to put a lot on one or two promising looking stocks, as soon as you make a small amount of profit, sell off.
> avoid investing in big names unless something drastic happens to their stock price
> ALWAYS do research before investing
> try to find small companies that mimic s&p 500 companies (although this can be risky, you'll want to know a lot before you consider investing a large amount)

>>	Anonymous Sat Jan 17 15:02:19 2015 No.617354 >>617278 How do yo have so much debt, friend?

>>	Anonymous Sat Jan 17 15:04:32 2015 No.617363 >>617334 >>617318 1)What firm do you work at? 2) Will you hire me in 4 years?

>>	Anonymous Sat Jan 17 15:15:10 2015 No.617381 >>613701 >Age 22 >Savings/ net worth 0 >Debt 0 >Monthly income 0 >Financial question(s) I'm pretty much fucked.

>>	Anonymous Sat Jan 17 15:31:58 2015 No.617408 >>616363 Growing up as middle class and making your way to the top feels much more rewarding. Being born into money is nice, I won't lie. But if I could pick between the two, I'd work my way up all over again

Anonymous Sat Jan 17 19:16:59 2015 No.617628

>>613701
>31
>40k cash, 36k home equity, 8k car paid off, 27k 401
>29k mortgage & 3k student loans
>4k gross monthly income
>need to buy bigger house for growing family, i am torn between selling & renting my current home, id like the idea of the monthly income but can cash out about 35k by selling it. wat do?

>>	Anonymous Sat Jan 17 19:25:52 2015 No.617643 >Age 24 >Savings/ net worth $29k >Debt $0 >Monthly income $2.5k realized >Financial question(s) Thinking about getting a new place soon. Would buying a duplex and renting out half/living in the other (instead of renting an apartment) be a good idea?

Anonymous Sat Jan 17 19:56:14 2015 No.617665

>Age
25
>Savings/ net worth
30k savings
>Debt
170k (mortgage)
>Yearly income
I make 85k / year + ~15k in RSUs / year
>Financial question
Getting into stock stuff. I can buy a stock, it goes up 1%, I can sell the stock. I just made 1% on that money? Why the fuck do savings accounts exist? Why are the interest rates so shitty? Do I misunderstand percentage change of these stocks? What if I bought a stock and sold it whenever it made a few percent, or if it went down just hold it till it didn't (given it didn't drop too low)?

Anonymous Sat Jan 17 19:57:41 2015 No.617667

>>617643
>Thinking about getting a new place soon. Would buying a duplex and renting out half/living in the other (instead of renting an apartment) be a good idea?
Absolutely. I hate neighbors so I bought a house, but having a tenant who pays more than half the mortgage would be sweet tits.

>>	Anonymous Sat Jan 17 20:15:52 2015 No.617677 >>617665 You have a lot to learn, anon

Anonymous Sat Jan 17 20:55:40 2015 No.617715

>>617665

i never understand how people can make a pretty good wage like that yet be so ignorant about money, makes me worried about your mortgage. But I guess the surveys they do about the lack of financial literacy in america is true even among people that aren't poor

>>	Anonymous Sat Jan 17 21:08:39 2015 No.617728 >>617715 How about you answer the questions and explain where that thinking is wrong? I'm putting that shit out there to get educated.

Anonymous Sat Jan 17 21:10:31 2015 No.617730
File: 57 KB, 537x800, 1410077284592.jpg [View same] [iqdb] [saucenao] [google]

>Age
18
>Savings/Worth
$2,500 + $1,500 if I can sell my broken car
>Debt
None besides credit card which I pay off every month
>Monthly income
$1,120 before taxes
>Financial Questions
The car I've been driving has been a money pit, it cost $5,000 and we put another $5,000 into it in repairs and maintenance. Even if I can get $1,500 out of it in it's current state, it will have cost close to $300 a month. Should I risk buying another cheap used car and possibly having to sink hundreds or thousands of dollars into repairs, or lease a little hot hatch and not have to worry about that?

When I was in high school I kept hearing about how college is no longer a good investment, and that there are more opportunities for high school grads than ever. I just dropped out of college and can't find any of these opportunities everyone was talking about. Is there anyone that was in the same position that I am and found a way out of it, who can give me some advice? I'm currently considering training to become an hvac technician, but the schedule of the training would require me to give up my very good job.

>>	Anonymous Sat Jan 17 21:42:07 2015 No.617753 For everyone considering renting a house out... The VA is a great place to hang a flyer. Govt will pay their rent and they usually live in the same spot for years and years.

>>	Anonymous Sat Jan 17 21:49:50 2015 No.617761 >>617730 hvac is a lucrative and stable career field that would be a great investment of your time and money. It all depends on what your "very good job" now is though.

Anonymous Sat Jan 17 22:03:39 2015 No.617768

>>617761
I work at a plant that manufactures the chemicals and materials that are used to make computer chips. I only make $10 an hour, but I get experience and training in many different aspects of industrial work. I think it's a great job for an 18 year old with no experience, and I don't want to risk losing it and ending up working in fast food if hvac training didn't lead anywhere for some reason. I'm afraid of giving up the stability I have now, but I know I'll have to take a risk eventually if I want to make more money and start saving for a house.

Anonymous Sat Jan 17 22:11:27 2015 No.617775
File: 43 KB, 480x584, china.jpg [View same] [iqdb] [saucenao] [google]

>>617768

$10/hour is not a good job and in today's world it's doubtful that job would lead anywhere. If you stick with it and don't quit there is no reason hvac wouldn't pan out. You only have stability because you probably live with your parents and have no bills, but if you want to actually be a real person who can support himself and save and invest money to live comfortably you need more skills and there is no way to get around that.

Do a bunch of research, talk to people in these careers and the training places, and decide what you think would be a career you would be content with and provide the quality of life you want to live. Right now you probably don't have a good sense of money and how much it takes to live the life you would like to live. Learn about that too. It's good that you are 18, so even if it takes you a year to decide and be confident, you are in a much better place than someone that discovered their degree is worthless at 23 or who just fucked around doing what you are doing and not thinking about the future.

Anonymous Sat Jan 17 22:24:58 2015 No.617790

>Age
22
>Savings/ net worth
Net worth around $55-60k
>Debt
$0
>Monthly income
$4000
>Financial question(s)
How much should I have saved or willing to borrow to purchase/start a car wash in a relatively busy area? Can't find any solid info, is it a hundred grand type of thing, or a 7 figure budget type of thing?

>>	Anonymous Sat Jan 17 22:48:57 2015 No.617819 >>613701 >Age 29 >Savings/ net worth $30,000 >Debt $15,000 >Monthly income $4775, soon to be increasing dramatically if things go right.

Anonymous Sat Jan 17 22:59:30 2015 No.617828

>>617775
>You only have stability because you probably live with your parents and have no bills
This is correct, I suppose most of my current "stability" is the fact that I can put away money in savings every month, while still being able to buy all the shit I waste my money on.

>talk to people in these careers and the training places
How do I talk to people in the field? I don't know anyone who works as an hvac technician. The only thing I can think of would be to ask the school I would attend, and do research online.

>Right now you probably don't have a good sense of money
I think I understand finance reasonably well, but the more I learn the more I realize how much I don't know. Is there a specific way that I can teach myself, or is it something that just comes with aging and maturing more?

>>	Anonymous Sat Jan 17 23:29:37 2015 No.617853 >>613701 20 0 $1500 0 How do I into money /biz/?

Anonymous Sat Jan 17 23:39:09 2015 No.617861

>>617828

Yes talk to the schools or programs you would be attending, they would be more than happy to talk to you about that and connect you with people in the field.

And I'm not necessarily talking about finance and investing I'm talking about understanding how much it costs to live and thrive, because it is obvious right now you don't have that good of an idea of it if you think 10 dollars an hour is a good job. But yes that does come with aging, but also with being independent, having to pay bills, and realizing that just existing is expensive.

>>	Anonymous Sat Jan 17 23:54:00 2015 No.617867 >>616018 how are you interning somewhere and still studying? ive never known how it works

Anonymous Sun Jan 18 00:09:30 2015 No.617885

>>617861
I don't consider it a good job because I think it pays well, but because of the job itself. /biz/ isn't my blog so I didn't want to get too far into it, but to keep it short it's a good job because I love it, and look forward to going into work every morning.

The reason I'm looking for something better is because I know very well that I'll never be able to sustain the lifestyle I want to live on $10 an hour.

Thanks for all of your advice, I'll probably go down to the school in person and talk to someone about the hvac program as soon as I can get a drivable car. Tonight instead of the usual vidya I think I'll do some reading on it, too.

>>	Anonymous Sun Jan 18 00:13:39 2015 No.617887 File: 11 KB, 150x174, Uhuh2.jpg [View same] [iqdb] [saucenao] [google] >>617272 Same. Why bother with life if it's just going to be as some 5-digit income drone until I die while I try to count my meager savings?

Anonymous Sun Jan 18 00:57:35 2015 No.617928

>>613701

>age
20

>savings
60k

>debt
none

>monthly income
1600

been working since i got out of high school and save almost all of it and live at home while paying a small amount of room and board (300)

my question is whats a safe way to invest this money while actually making a good gain

sometimes i read on here and everyone has conflicting opinions whats good and whats not

>>	Anonymous Mon Jan 19 02:08:51 2015 No.619101 Implying anyone on here owns anything

>>	Anonymous Mon Jan 19 22:16:34 2015 No.620145 >>619101 >

>>	Anonymous Mon Jan 19 22:26:15 2015 No.620163 >>614442 >parents, parents and parents.

>>	Anonymous Tue Jan 20 03:45:43 2015 No.620446 >Age 22 >Savings/ net worth $350 >Debt $0 >Monthly income $0 >Financial question(s) what?

>>	Anonymous Tue Jan 20 03:55:23 2015 No.620451 >31 >101k (not counting retirement accounts in this) >0 >4,600 >none

Anonymous Tue Jan 20 04:41:56 2015 No.620484

>20
>$58,000ish
>16,000
>~1250
>currently in process of getting 15yr mortgage on a 3 story condo costing $60k. Wanted to hold most of my money and invest around 8-10k somewhere safe where It could generate interest at a modest rate, what would be my best course of action overall?

>>	Anonymous Tue Jan 20 04:54:17 2015 No.620491 If your savings are 25k and your debt is 25k, your net worth is $0. Why did you buy such an expensive care? Are you completely retarded? Fuck you americans.

>>	Anonymous Tue Jan 20 05:08:06 2015 No.620499 >>620491 Well actually, the 3k in hospital bills means that the penniless hobo he passes on the street should be giving -him- change, since he's a full three thousand dollars better off.

>>	Anonymous Tue Jan 20 05:18:03 2015 No.620505 >>620499 I hope he can't pay his next medical bills so he dies because of poverty

>>	Anonymous Tue Jan 20 05:40:58 2015 No.620511 >>616627 I also have an online business making about 60K a year profit, but I do everything myself. How did you successfully transition from doing everything yourself to employing other people?

>>	Anonymous Tue Jan 20 11:52:18 2015 No.620558 >>620505 yikes

>>	Anonymous Tue Jan 20 12:23:05 2015 No.620581 Age: 26 Saving/Worth: 3500/12k Debt: 7500 student debt Monthly Income: 4500 Financial Question: How do I start saving for medical school? I want to cover as much as possible. I will be applying in 2017.

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