what are your thoughts?
p/s If you are interested in forex, you can go to this website for forex guides and EUR/USD views.
www.TheGeekKnows.com
The articles are simple to read and understand.
I am not a pesimistic person, but at least on my country, the economic recesion is far away from see the light...
Hard times correspond to working harder!
the economy is getting worse and worse every day in every country i think we should go to space and make new countries now
I'm proof that the economy is in the dumps.
At home enjoying time with my little ones...
HotJobbing, Craiglistin', Careerbuilding, Indeeding, sleeping...
Aaaahhhh....this is the life...
2 months and counting...
No rush.
Simply stated, the economy is getting worse.
Creditors are becoming more stringent as are people with expendable capital.
We're in for the long haul.
Worse. Read up.
Oh look!!! I'm ranting!!!
leobox1 said:
what are your thoughts?
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Sorry...but what do you mean by "One year on?" This situation we're all in has been brewing since 2006...it's just the lame terminology of what a recession is (a widespread decline in the GDP and employment and trade lasting from six months to a year). I worked with the building trade (provided tools and equipment) and we could see the slow decline in building around the last quarter in 2006. This was a sign that there was something going on...and of course the 5 year mark on ARM loans for homes was just a nail in the economic coffin. People being given homes that banks knew they could not afford--lying--err..."Underwriting" assets to inflate a person's assets so they could get a bigger loan. So...here we are with
-people living in apartments,
-working hard to get a condo or a townhouse for $120K in 2000,
-smiling in 2002 at the inflated equity their $425K home currently has,
-Using said equity to purchase a $700K house at ARM and paying only $2K a month
-Realizing that the 5 years is up and that their loan has now skyrocketed to $5K a month
-Not being able to afford such a payment, $300K in equity down the drain...
-back in an apartment.
Very sad, but I'm sure you know of at least on of these situations...
For those that are having trouble paying their home (at no fault of their own) such as loss of income, disability, hardship...Google up HAM loan modification...
might help...
leobox1 said:
what are your thoughts?
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Unfortunately, the picture is not as rosey as the government & wallstreet want U to beleave. We have a long way to go for paying down the deposite and creating good jobs!
I am a pesimistic person
but I say it may have gotten a bit better
but the damage don with companys going under
and people being fired have not peeked yet nor is it likely
to this year
In India, i think we have not even seen as such as being seen by Americans.
Lots of Indian shifting back to India from America. But nonetheless we have seen some decline in sales and jobs markets, but not as much as in abroad.
guess on the ground, things are still tough..
then its scary to see the markets value going up these days again as it may
be a bubble again...
when you hit rock bottom there is only up to go
think it got some raising to do before it could be a bubble
because now most is worth more then you can get for it
Still stuck in the rut no job not prospects no future "yeah i'm making a joke" but infact i have seen no change in the current climate with work being the bigest was made redundant and the field i work in is a bismal "in my location" and has been since the day i had to leave........
Fix Up........... Look Sharpe........
Things can only get better
+1!!
That´s the positive thinking!!
Cheers for that!
oil is now at $70+
way above the low of $30+
Unemployment index is still very high, and many companies are still a bit hesitant about hiring. However, Dow Jones is moving up (though it might just be a slight bit of higher confidence), the housing market is slowly recovering (though bad mortgages are still being collected, and "big banks" are still writing them off), hiring is looking somewhat positive for the first time in a while and consumer confidence is starting to pick up again (retail is looking good again, meaning people are spending more).
Nobody's really sure whether this is the light at the end of the tunnel, but it might be a little break from the storm.
I think many factors are behind the share rally. The cash for clunkers program is one. The Chinese government's forcing its bank to lend is another. Then, there is also the issue of financial institution given the leeway to value the toxic assets as anyting they want once again which mask the problems. Add to that the massive money printing by the US government, and some of those money are now propping up the US share market.
Bank CEO's are doing anything in their power (including cooking their books) to justify paying themselves obscene bonuses once again.
When the Chinese government forced the State controlled banks to lend, there is no actual demand by businesses or individuals to borrow it. After all the export market is shrinking rapidly. But since the order from the top must be followed, the banks have to bribe the borrowers to accept the loan. These loans ended up in risky properties, shares, and commodity futures bets and gambles. We already see how the Shanghai A share plunged 20% within a few days recently when the Chinese goverment announced that it is "finetuning" its lending policy. The Chinese has yet to learn to spell bubbles but I think it is definitely forming and that will in turn send a shockwave throughout the world.
Unemployment is still worsening, not geting better. The loan defaults in US is now a more serious problem in the primed mortgage area, even surpassing that in the subprime mortage area. The banks are once again packaging extremely risky assets and try to market them to unsuspecting investors all over again.
According to some reports, the insiders are throwing out their own share at the ratio of 8:1 (for every share they buy, they're selling 8), while the fools are being sucked in once again.
Unfortunately, retail investors will never learn. Memory is short. The reason is we're all driven by greed. Many are investing purely with a herd's mentality. Once again, they're not happy with a small trading profit and try to hold it longer for larger gain. Once again, they may find out that when the market head for the exit again, they can't sell it fast enough as the big guys who have everything computerised.
There is so much spin going around in the market, with so many experts telling us that the economy has recovered. They won't tell you about 77 (edit: Just read from Bloomberg that it is now 84 in the year 2009) US banks have already collapsed this year. According to a very famous analyst, hundreds more are heading that way. They manipulate the unemployment figures to make it look less worst than it actually is. They are trying to encourage private investor to buy up those lousy banks with worthless assets.
I think the world is now characterised by the Chinese doing all the hardwork for the West to enjoy, and their money are still with the west in the form of investments that they are stuck with. This was the great imbalance that, unless corrected, will continue to worsen the problem of the world. This imbalance is unsustainable.
The "stimulus" is no stimulus that resume the heatbeat when removed. It is more like a crutch, which remove, the patient collapses once again.
The world needs reform. The imbalance needs to be addressed. The Chinese/Japanese/Indian must start consuming more and save less. The West must start consuming less and save more. There is also progressively more imbalance in the world in terms of pay. Just look at what the greedy CEOs are getting compared to the ordinary workers. As a result, the purchasing power of the masses, hence consumption power in the economy, will suffer.
Just my 2 cents.
newsuser, nice read
S&P500 is now above 1000
I think economy will recover at least a little bit in the next year. Of course recovering from what happened is hard and takes several years but I am quite positive that it will go up again, at least because everyone tightened their belts a little bit. I think that was kind of an important lesson learned for our society. Not everything works out the way we want forever.
s&p500 is now around 1060 .. rather fast do u folks think?
Related
Hello!
I left my night shift job last month and still don't have a job. I'm actively looking for a job, but even then I won't make it to my first pay at this pace.
Is there any way I could make a few bucks at least for gas in the meantime, just so I don't reach the negative balance?
hey sorry about that better times will come.. in the meantime I'll give you my advice and this one comes from personal experience(yes I've had a few rough times, who hasn't?)
Last time I was short on the "thing you use to buy potatoes"(sounds better in portuguese) aka money, I sold something(s) that I had and was not making use of, like my PSP for example. Broke my heart to let it go but you gotta do what you gotta do.
The point is, we always keep things we don't use anymore because we think "well I might be needing this some day" and probably will need that thing again but until then there are more important things one might need.
hope this helps
I have been out of work for 6 months...
are you handy around the house? why not post your talents online (painting, wallpapering, cleaning) on free classified postings...
I lost my job in february due to a work injury, and I was physically unable to do most work with out the use of my left arm. I have healed since then but stopped receiving disability pay in october. It has been 10 weeks and unemployment still has yet to come through and help me out.
I also have sold off things that were luxury items like my ATV and an engine I had built sitting around in my garage. A friend of mine supplements his unemployment doing odd jobs he finds off craigslist and I have helped people move and cut firewood for cash. Hoping the economy picks up locally so i can get back to work soon.
Good luck and look everywhere. Craigslist is a good place to start.
what response have you received from the unemployment office?
Have you gone to them?
If you have, did you show the letter stating when disability payments would start and/or end?
They may be waiting from a response from your previous employer...
I don't get unemployment cheques, but I'm getting a job internview this morning. Thankfully, I don't have many financial responsabilities (college student here), but I could use a few bucks just to close the gap 'till I get a job.
As for putting gas in my car... I got rear-ended yesterday, total loss, and 5 minutes later Staples calls for a job offer!
N1c0_ds said:
I don't get unemployment cheques, but I'm getting a job internview this morning. Thankfully, I don't have many financial responsabilities (college student here), but I could use a few bucks just to close the gap 'till I get a job.
As for putting gas in my car... I got rear-ended yesterday, total loss, and 5 minutes later Staples calls for a job offer!
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CA-CHING!!!!!!!
I can already feel your neck stiffening up and a slight loss in feeling both of your pinky toes!!!
Not really, the car took it all so I'm feeling fine, but still. Now I have to get another car with what the insurance company judges my car is worth (360 000 km, but in better condition than anything that mileage).
Trouble likes company
N1c0_ds said:
Not really, the car took it all so I'm feeling fine, but still. Now I have to get another car with what the insurance company judges my car is worth (360 000 km, but in better condition than anything that mileage).
Trouble likes company
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There are lots of sites that pay you to fill in serveys, you only get a couple of dollars each but do 10 a day thats 20-30 dollars suppose lol
Just make sure that the company you represent isn't from Nigeria...
Dang it I hate this laggy keyboatd!!!
Background:
I am a recent graduate with a BS in electrical engineering. During college I worked for 3 different companies doing work related to my major through the COOP program. I put in more than 6 months of full time work at each.
Company A:
I have been working at Company A for 3 months in 5 days; also, in 5 days my probationary period will expire. Company A is a German born company. A large majority of my coworkers are German and since all of the equipment was made in Germany all of the code and designs are in German. And I do not speak any German. The job currently is mostly maintenance with some development, and much more development planned in the future. The company is global with approximately 5,500 employees. They are a market leader in the automotive field and are expanding. Also, I am a salaried employee.
Company B:
Recently I was contacted by Company B and offered a job. I had multiple interviews with them during the job hunt process that landed me the job with Company A. Company B is a much smaller development firm. They have been in business for 60 years.
Comparison:
The equipment and devices used in the offered job are more the standard in the United States. So if Company A was to let me go 20 years down the road it might be harder for me to find a job in the USA. The job offered, is a hourly based job and 10 minutes from home(vs 30). The jobs have comparable pay and benefits, assuming I work 3 hours of OT each week at Company B. I was told it is normal to work 5 hours OT each week. Company B seems like there is more room for growth. The work at Company B will most likely be more demanding and rewarding than that at Company A. I have no personal issues with Company A and would feel bad about leaving them and the friends I have made.
The Dilemma:
Stay with a secure large company using foreign technologies that pays slightly more or move to a company that offer more room for growth and possibly be better for my career.
Any input would be greatly appreciated!
my advice , take a german course(take your time , self development always pays) , get a nice position in the said upcoming dev projects , and they wont let go of you even if theres a workforce dismantling in the US outsource , and u need to take that in account in these hard times
and about the 30 min vs 10 min , reward yourself with a nice car system , and turn that dullride to a joyride
while you're younger you should take more risk. In my opinion, i'd go for the company where there's more chance for growth and is more demanding, giving you valuable experience you will likely use the rest of your career. Personaly, i would take a pay cut to work in an environment where i was truly needed and appreciated with daily challenges and long term goals.
I would work at Company B
Any advancement in your life is what you should strive for. As humans we always look for a challenge and the next best thing for us, and as you already know a challenge and a push to try harder is just fundamental (That's why you're on xda haha) Plus if you really think about it company B sounds more stable anyways, and the 10 minute car drive opposed to the 30 minute one would probably be paying you back for the slightly lowered pay from company B...you'll save on gas haha
My overall summary: Shoot for improvement and self-adaptation, you should still take that German course though, it'll be helpful to boast about haha Go for company B
Is company B offering 40% increase over your salary? Otherwise, the stress and the drawbacks of changing companies won't be worth it. Besides, you'd need an excuse to change companies, but you can easily stay without compromising your status quo.
You can say that you are leaving for a better offer, but it seems like they are paying you even less.
So, unless there's something wrong with Company A (toxic environment, abusive boss/coworkers, etc.) other than a different language, I'd suggest you stick with Company A for the time being
Yours Sincerely
-An accountant that changed too many jobs-
I like what I've been reading in the responses you've gotten up-thread of this one from me, but I'd like to offer a different perspective on this situation. In part, I will be echoing souljaboy's comments.
In any professional environment, you need to do deep research on every company you either are working for or which is a potential suitor. To fail to do this is both foolish and dangerous. What I mean about "deep research" incorporates a number of things. First, you need to see how their stock (whether publicly or privately held) is doing, and what its performance has been over its history. Remember, context isn't "everything", it is the "only thing".
Second, you need to look into what their customers in total have been saying about them, along with vendors and anyone else you can find out about (Google is thy friend, but so are contacts and social networks). When a company -- especially an American company -- makes any claim to stability, it's not so much that you should be skeptical, but you need to remember we in America are short-sighted, and so a "long term" plan means maybe a year or two (at best, if you're lucky).
The fact that Company B has a 60 year track record is nothing to sneeze at, so that's a good start, but you need to know more.
Third, you need to learn something of the inside politics of the company. How long have the BoD been there? Who are they? What do people (stockholders, others in the industry, etc.) say about them? Remember that companies are just like fish: the rot starts at the head. A company can "look" alright but may have decaying leadership and other issues which seriously jeopardize its future viability. Don't be too easily deceived.
Ok, apart from fully investigating Company B, let's take a look at Company A.
It's a German company, which means that it's based in a member country of the European Union, and it also means its future is tied to such things as the value of the Euro, the EU member bail-outs (think Greece, for instance) and then step back and realize that all of these basically "political" factors may have long-term effects. Also remember that the EU, the U.N., and others are discussing changing the global currency backing from the U.S. Dollar to something else, and this is liable to have a sharply negative impact on U.S. <> German economic interactions.
Because Company A is a member of the automotive industry, you need to look long and hard at what's going on in other, seemingly-unrelated areas like oil, wind/solar/battery, etc. Even a stable company that's made no mistakes on its own can crumble if the rug is pulled out from underneath it harshly enough.
Also, you need to ask yourself a question: What are the fundamental reasons (this list should not exceed two or three items) that company set up U.S. operations to begin with? Then, ask yourself: if the U.S. economy (or the German economy) went to hell, or if things like tax rates for foreign companies, or import duties, were to go up significantly, at what point would your U.S. operation no longer remain viable? Then, lastly, ask yourself where things are presently in relation to that upper cut-off.
While it obviously pays to not be tin-foil hat conspiracy-theorist on this, it also pays to remember the Titanic and Britannic were "unsinkable" too.
Good luck to you, whatever you may decide.
SciFiSurfer said:
I like what I've been reading in the responses you've gotten up-thread of this one from me, but I'd like to offer a different perspective on this situation. In part, I will be echoing souljaboy's comments.
In any professional environment, you need to do deep research on every company you either are working for or which is a potential suitor. To fail to do this is both foolish and dangerous. What I mean about "deep research" incorporates a number of things. First, you need to see how their stock (whether publicly or privately held) is doing, and what its performance has been over its history. Remember, context isn't "everything", it is the "only thing".
Second, you need to look into what their customers in total have been saying about them, along with vendors and anyone else you can find out about (Google is thy friend, but so are contacts and social networks). When a company -- especially an American company -- makes any claim to stability, it's not so much that you should be skeptical, but you need to remember we in America are short-sighted, and so a "long term" plan means maybe a year or two (at best, if you're lucky).
The fact that Company B has a 60 year track record is nothing to sneeze at, so that's a good start, but you need to know more.
Third, you need to learn something of the inside politics of the company. How long have the BoD been there? Who are they? What do people (stockholders, others in the industry, etc.) say about them? Remember that companies are just like fish: the rot starts at the head. A company can "look" alright but may have decaying leadership and other issues which seriously jeopardize its future viability. Don't be too easily deceived.
Ok, apart from fully investigating Company B, let's take a look at Company A.
It's a German company, which means that it's based in a member country of the European Union, and it also means its future is tied to such things as the value of the Euro, the EU member bail-outs (think Greece, for instance) and then step back and realize that all of these basically "political" factors may have long-term effects. Also remember that the EU, the U.N., and others are discussing changing the global currency backing from the U.S. Dollar to something else, and this is liable to have a sharply negative impact on U.S. <> German economic interactions.
Because Company A is a member of the automotive industry, you need to look long and hard at what's going on in other, seemingly-unrelated areas like oil, wind/solar/battery, etc. Even a stable company that's made no mistakes on its own can crumble if the rug is pulled out from underneath it harshly enough.
Also, you need to ask yourself a question: What are the fundamental reasons (this list should not exceed two or three items) that company set up U.S. operations to begin with? Then, ask yourself: if the U.S. economy (or the German economy) went to hell, or if things like tax rates for foreign companies, or import duties, were to go up significantly, at what point would your U.S. operation no longer remain viable? Then, lastly, ask yourself where things are presently in relation to that upper cut-off.
While it obviously pays to not be tin-foil hat conspiracy-theorist on this, it also pays to remember the Titanic and Britannic were "unsinkable" too.
Good luck to you, whatever you may decide.
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+1
I am, of course, speaking as an accountant that can market his skills across a vast range of industries. Engineers will have a different take on things as well.
I wanted to thank everyone for their input!
I decided to go with Company B. I gave Company A my 2 weeks notice on Monday. After that Company A came back with an offer for a rather large salary increase along with an increase in my annual bonus. Not to mention they pointed out some benefits I did not know existed. Like full reimbursement on any higher education as long as the grade in the course is a B or higher and pertained to my job.
With that in mind it makes really hard to leave the benefits, stability, and salary of Company A. So I am calling back Company B to let them know I plan to stay with Company A after all...
Thanks again.
Blauvster said:
I wanted to thank everyone for their input!
I decided to go with Company B. I gave Company A my 2 weeks notice on Monday. After that Company A came back with an offer for a rather large salary increase along with an increase in my annual bonus. Not to mention they pointed out some benefits I did not know existed. Like full reimbursement on any higher education as long as the grade in the course is a B or higher and pertained to my job.
With that in mind it makes really hard to leave the benefits, stability, and salary of Company A. So I am calling back Company B to let them know I plan to stay with Company A after all...
Thanks again.
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Definitely sounds like good news
So i'm making this thread to vent..and ask for advice from fellow XDA'ers
basically my mother planned a trip to visit her parents in china for 20days, but she plans to bring 10,000 CAD and spend it on..well she doesn't even seem to have a idea what she is going to spend her money on.. Now 10,000 CAD isn't that much money.. but the issue comes from the fact that my family is paying mortage, my parent's salaries aren't very high..they are just about enough to cover the mortage and save a few hundred bucks a month.. and from what i'm hearing from my dad it seems that 10,000 cad is all there is in the account..so it seems like a stupid move to take out most if not all of the money out of the bank for a 20day trip, not to mention the fact that she already has a place to live in china..
10,000cad is roughly 60922.30 yuan btw
of course i wouldn't be worried if my mother was a bit more financially intelligent.. but there have been a lot of times when she bought fake "brand name" stuff for an extremely high price.. knowing that theres a lot of that crap in china i'm quite worried
so ya..hopefully you guys would give me some inputs on how to talk her out of being an idiot..
Wtf? Suggest to her she might have trouble carrying that much money with her through customs...
That's not a lie either, here you would get stopped with that much cash... And rightly so.
Failing that, what about the risk of robbery? I wouldn't take that much money with me... And I'm presumably slightly larger and more intimidating looking than your mother...
10k is just silly...
pulser_g2 said:
Wtf? Suggest to her she might have trouble carrying that much money with her through customs...
That's not a lie either, here you would get stopped with that much cash... And rightly so.
Failing that, what about the risk of robbery? I wouldn't take that much money with me... And I'm presumably slightly larger and more intimidating looking than your mother...
10k is just silly...
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she told me that i have no say in this since i don't have a job(that is true, in some ways) ..
i'm kinda trying to get her to tell me why she would even want to bring that much money to begin with.. but she seems to be in a locked down mode..-.-
and yes..there are actually a lot of theives in china too.. my issue is that nothing i say get through to her.. i think it could be the fact that she's turning to her 50s that's driving her crazy.. for example
she recently tried to get my dad to invest in some middle of nowhere condos that have not been sold despite being up for sale for more than 2 years now.. i tried to talk her out of it back then with no luck, thankfully we didn't have enough money to invest in that place or we'd be in a lot of **** right now.. but this bringing the entire bank account back home crap seems to get to me, considering the fact that it's entirely possible that she succeed and food/services cost 2-5 times less than prices here(after you convert the currency, of course..)
also about bringing 10grand into china..she doesnt plan to bring cash, but she intends to use one of those overseas transfer service..
Overseas transfer services? That seems like a silly idea. I don't know what the fees are, but even if it's 1% of the transfer amount, that's 100 CAD, which is substantial (to me, at least).
Does your mother intend to give some of the money to your grandparents in China? I mean, it is customary in Chinese culture for the children to support their parents.
ohyeahar said:
Overseas transfer services? That seems like a silly idea. I don't know what the fees are, but even if it's 1% of the transfer amount, that's 100 CAD, which is substantial (to me, at least).
Does your mother intend to give some of the money to your grandparents in China? I mean, it is customary in Chinese culture for the children to support their parents.
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i understand if she wants to give her parents money, most definitely.. in fact i expect her to be giving away most of that money.. but the thing is.. we are still paying for the darn mortage.. we barely save a few hundred bucks a month yet she intends to take out the entire bank(that we saved up, at least).. which sounds very stupid to me..
woo
talked her out of the crap by telling her that she's going through a difficult time and that if she does this we could have the potential of losing the house
Just hope your mother is good at bargaining and doesn't buy american/foreign brand names, cuz that's just stupid.
$1 gets you a reply
http://techcrunch.com/2014/03/04/radioshack-to-close-1100-stores/
This makes me happy for two reasons.
1.Radioshack simply is not the store it used to be. Going there as a kid, seeing all the RC toys and parts, the parts drawers and learning kits for electronics that they used to have are getting smaller and smaller, and in a good number of stores are gone! It's now just an annoying sales person trying to push a damn phone, tablet, or camera down your throat. Pushy as hell.
2.I used to work for Radioshack, and they treat their employees like crap. Their benefits suck, the management is horrible, and their sales goals are unrealistic to the point of hitting their goals is knowing people and having them come in to buy from you. In some areas these are good goals, but in areas like Toledo, where we are not a huge mobile market compared to other cities and areas as well as a good amount of low income, it doesn't work! I was one of the best in my regions, and Radioshack let go of me because I didn't push their crappy cell phone service and crappy phones on people.
I don't live in the US so idk what radioshack is
Sent from tapatalk using my C2105
I live in Middle East and there is a RadioShack branch in my country and I must say it isnt that bad as u describe it. They are not pushy but sometimes they dont have that product I want. Making the store a bit bad
It's going to be LEGEND--wait for it--DARY!!!-Barney Stinson(How I Met Your Mother)
vbetts said:
http://techcrunch.com/2014/03/04/radioshack-to-close-1100-stores/
This makes me happy for two reasons.
1.Radioshack simply is not the store it used to be. Going there as a kid, seeing all the RC toys and parts, the parts drawers and learning kits for electronics that they used to have are getting smaller and smaller, and in a good number of stores are gone! It's now just an annoying sales person trying to push a damn phone, tablet, or camera down your throat. Pushy as hell.
2.I used to work for Radioshack, and they treat their employees like crap. Their benefits suck, the management is horrible, and their sales goals are unrealistic to the point of hitting their goals is knowing people and having them come in to buy from you. In some areas these are good goals, but in areas like Toledo, where we are not a huge mobile market compared to other cities and areas as well as a good amount of low income, it doesn't work! I was one of the best in my regions, and Radioshack let go of me because I didn't push their crappy cell phone service and crappy phones on people.
Click to expand...
Click to collapse
Revenge is yours! On a side note saw that Staples is also closing 225 of their stores today
I'm considering creating a phone repairs business (mostly iPhones, cause they are common and break often here in straya). Only small, from home, more as a hobby and a way to make a little money, rather than a full blown business with employees and registered with the government.
-Probably mail-in (I live in a rural area)
-have ad on selling sites
-maybe create a website (if hosting fees are viable)
-mostly hardware, but do rooting/jailbreaking as well, and maybe simple troubleshooting.
-buying broken phones and then fixing them to onsell
I'm only 16, and considering doing this instead of a part time job while I'm at school.
Anyone had experience doing this, or have any suggestions?
You need a good capital depending how many items or how big is your stall.
Even I think of doing such a job as the shops around my area tend to exploit costumers alot. Also 90% of the problems can be solved by just flashing....