The big danger with old editions/alternate texts is that there are still some courses that will assign problems from the book and you’re kinda SOL if you don’t have the exact book.
Always a smart idea to attend your first class meetings before picking up any version of the texts. Professors know how scammy the text book industry is and most of them will be pretty upfront on Day 1 about what you really need for the course.
I was actually going to buy my books tomorrow after work, but I’ll definitely hold off until the first day of class.
I think the college is required to keep a copy of every textbook in the library. You could either use that everytime you study or, OR, you could scan the textbook (takes a few hours) and have it on your computer.
For the record, the credit card company still makes profit by charging the merchant a percentage of your transaction.
Lost 2100 on the stock market today but managed to get out. Sounds like this crash is really happening
LOL @ your SRK username…
Looks like everything is stabilizing. Fine with me, gives me more time to buy gold at a low price.
I think the market was just correcting, I don’t think a full crash is happening. The market is still artificially inflated IMO by federal reserve pumping money into it. This will eventually cause a hard correction down the road, but I don’t think we are sitting on a full crash yet. I lost about 1500 out of my retirement account, but I made the money back in some of my options calls. Since I am a new trader I have to do covered calls and I can’t risk more money than I have so it forces me to cap my wins/losses. So far I have kept it in the black with options trading, but I play small time and just try to make small amounts here and there. I never risk too much and I play it pretty safe, getting greedy is how you get burned. My friend has made millions, but he literally studies the market 24 hours a day and he hooks me up with some good calls here and there. Full disclosure: I am just now starting to learn how the stock market works, and I am NOT claiming any expertise!
i wish i have someone locally that can explain this stock thing.
Now I know why Chase decided to cut their losses against me by canceling the debt rather than charging it off and sending it to a debt agency. They knew the markets are about to collapse again…
Also anyone read the comments under these CNBC articles. For a minute I thought I was on SRK:
There are many textbooks floating around torrent sites, if one was so inclined.
Yeah older editions are easier to come by. Theres a chinese site that has them up, but you have to pay to dl and screw all that.
I agree with this, every now and again a correction is needed to deflate the market because companies end up at some ridiculous valuations. i think the average S&P security before this downtrend was trading at 25x earnings which is pretty inflated, not as bad as china, but still not sensical. this is the perfect opportunity to BUY long if you were ever looking to enter the market. you will take a hit at first obviously because no one can guess when the bottom is, but overall you will gain more buying in times of weakness then buying when the market is bullish. i highly doubt this is a crash, there is nothing in the current US economy that is in a bad shape for us to go through a market crash, on the contrary the economy is actually in pretty decent shape, way better than it was in the 2008 crash.
so far im down 800 bucks, but its my IRA so its not like i can touch the money till im 60 anyways, the market will recover so i know there are many gains to be had, i picked up some shares in Concophillips the other day, everyone is scared of oil companies because oil has been getting smashed, but if you buy a stable one with a good balance sheet like Chevron or exxon the gains will be immense once oil starts going back up.
Granted I go to a community college I spent like 170 on books last year
I spent about $158.12 on books today - $96.73 at school today to purchase new versions of the books I needed for next week because the used copies were sold out, $23.70 on a book from Chegg which was $80-90+ on Amazon ($11.99 + $10.99 for shipping to receive it Monday), and on Amazon $37.60 for my last book ($24.71 + $12.98 for shipping). Thankfully, I made the decision to save my money overtime before school, but it’s still a pain. Having FAFSA, I could’ve received a book loan, but unlike a book voucher which I’ve received at my old school, I’d have to pay the money back. My friend who was with me spent about $250+ on her books, and her boyfriend bought 10. On another good note, the professor did advise us sites on where to get the books for a cheaper price, because they understood how book-buying can be ridiculous.
I had a feeling I’d experience the college struggles financially, but goodness. You also have to pay for printing, which isn’t really a new concept. It’s annoying because you have to put money on your ID to print, so when I placed $2 on my ID to print out a syllabus for my last class of the day ($1.10 for 11 pages), my professor gives out a syllabus, meaning I could’ve printed out the syllabus for my first class that morning.
a cheap laptop or tablet can cut down on senseless printing if your teachers allow them in class.
True. I have a printer at home I’ve yet to install, but my last two professors of the day don’t really allow electronics in their class (well, the second one anyway). I’m already written a page and a half for my 10 page term paper, so I should have it done by Tuesday I remain diligent. None of my papers are due until the end of the semester, but I want to get it all done now.
The above quotes are posts from here:
today is the big day, this will give the markets an idea of if the Feds will move in 2 weeks. if the number is good, shit is about to go DOWN! stocks about to get destroyed!!! …well thats what most think are going to happen anyways. i think when the feds actually move the markets will rally, but we 2 weeks away from their decision.
Everyone on TV is blaming China but people in the know are aware that everything is based off the federal reserve bank in the U.S.
If the fed says it will raise rates then we are in for a global financial crisis II
If the fed says it will keep interest rates at zero or that QE4 is coming then I’m going to go balls deep in the stock market.
Having said that I just want to point out how FUBAR things are. Literally everything is a terrible investment right now:
-Stock market is tanking
-education has too much debt
-housing is bubbling and might pop soon in many metro areas
Only smart thing to do in my opinion is to stay as liquid as possible and wait for a good deal. Gold/silver is not a bad idea either, will have to see what the Fed does.