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Old 03-07-2009, 07:48 AM   #151
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wanna be a millionaire b4 you hit 20? try copying these people:
http://ca.finance.yahoo.com/personal...e-you-graduate
crazy. A few buddies and I are trying to think of a good iphone app that we could create and make money off
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Old 03-07-2009, 10:21 AM   #152
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^^The banks own those 3 properties, and when the property market goes tits up, he's in major debt/negative equity. I'm not quite sure why you fuckers think real estate is a risk-free path to financial freedom.
P.S. Pharmacy is another shitty profession. Look at what they do all day. Boorring.
A.) He paid them off and already started his own pharmacy with another pharmacist.

B.) Real estate IS solid - if you don't need to sell them and know there will be solid rental demand for your property. The wealthiest family I know of in London has owned nothing but real estate for God knows how many generations, and they don't care if the market goes up or down simply because they never sell their houses. The rental income is plowed right back to purchase new homes, and my friends and I calculated that their homes were purchasing new homes at the rate of about one/week, while another friend thinks that their lifestyle is financed from interest earned from the rental income alone.

C.) Pharmacy may not be as exciting as i-banking, but its a solid career that is rewarding as you genuinely know that you've helped people. I honestly believe there are altruistic people out there who would help a stranger, and for these people, any profession that would give them this feeling would be perfect.

You've called real estate investors fuckers, and labeled pharmacy as a shitty profession. Given that the original poster, a high school student, humbly asked RS for ways to get ahead in life, care to share your ideal route to wealth?
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Old 03-07-2009, 11:14 AM   #153
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IMO the key to financial wealth is not simply working a day job. Even if you and your wife have relatively good jobs, you won't be well off. Especially if you're living in Vancouver (of course this is nothing new).

The key is doing be doing other investments on the side. Whether it's starting a business, trading stocks, owning several rental properties or whatever else you find opportunity to do other things. (again this has been beaten to death on this thread).

My wealthiest friends all have businesses.

My only advice is to set goals. Set monthly goals, quarterly goals, and yearly goals and hopefully you reach them.

If you have no goals in life you will go nowhere in life (especially if you are given nothing)..
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Old 03-07-2009, 12:48 PM   #154
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B.) Real estate IS solid - if you don't need to sell them and know there will be solid rental demand for your property. The wealthiest family I know of in London has owned nothing but real estate for God knows how many generations, and they don't care if the market goes up or down simply because they never sell their houses. The rental income is plowed right back to purchase new homes, and my friends and I calculated that their homes were purchasing new homes at the rate of about one/week, while another friend thinks that their lifestyle is financed from interest earned from the rental income alone.
I have to agree with you on this. Out of the 3 rental properties I own, only 1 of them has gone down enough in price for me to 'Keep it in the back of my mind' but as you said, as long as I don't sell, and the rent money is continuing to come in, i really don't care. The market is still going down, tits up or however anyone else wants to call and yes, the bank owns about 50-60% of each property, but it's still income coming in from an outside source other than my fulltime job.

I'm 27 years old making $75k + bonuses at my fulltime job, an extra $15-20k on outside contract jobs I do, riding a benz (no, it ain't an AMG yet), living in Yaletown, stocks/the usual, and property on the side. I started at 18 at an entry level job in my industry. Some of this may sound quite good to some of you but I can safely say that this with these numbers and investments I've listed, it isn't enough to live a 'balla lifestyle'. I'm completely comfortable but there's always more room for improvement and as idga-f said above, most of the weathiest people I know too also own their own business too or have extra investments/things they do on the side. I would not be able to live comfortably on a $75k job alone and live the lifestyle I have now.

To the OP, I was asking myself the same thing when I was your age and I realized you need to set a goal for where you want to be at say age 25, or 30 etc, and do what ever it is you need to get there. My family is far from wealthy so this isn't something that was passed down to me. I told myself that at 25 I want to make X amount of dollars, live in X place, and drive X car and I was only 1 year off. Just make your goal reasonable. If you have an idea for a business, seriously research it. Or if you want to climb the corporate ladder, start climbing but also realize that very few get to the very top, so you need investments or your own business or things other than your main source of income if you want to go even higher.

I chose real estate as one of them. So far it's working out for me and even in the economic times, I'm not the least bit worried about the falling real estate market. If my investment/business idea was flipping properties for short term profit, that would be a different story. I took a risk and for now it's paying off, but in the end I would rather take a chance then to have in the back of my mind "Where would I be if I only did this or that?".

I seriously dispise those who are handed their cars, apartments, and material objects to them on a silver platter. Sure they don't know how to earn an honest buck, but I would not want to be possibly responsible for sending my families wealth into turmoil, I'd rather make it. Just don't be one of those guys who sits around and complains, yet doesn't do anything about it. I have a ton of friends like that who are my age or older who have said that 'I got lucky', but it's something called hard work and goals, and honestly I can't really say I have much sympathy for them.

OP, if you have any questions or want any advice PM me, I'd be more than happy to give you my advice or perspective on it.

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IMO the key to financial wealth is not simply working a day job.
Probably one of the best statements in this thread in my opinion..
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Old 03-07-2009, 01:46 PM   #155
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Well, what can I say, since Marco911 says Pharmacy is a shitty profession, it must be so...

oh noes

people are catching on... it's true, it's all a sham... I thought we could just slide under the radar, and noone would ever figure out that we're being paid close to a six figure salary, and in some cases over six figures... to put pills in a jar...

what shall we do now once the word spreads? People will soon find out that all we do on a daily basis is just put pills in a bottle, and put stickers on stuff... sometimes we get to slack off and just stand around talking to people who tell us about all the young hot girls that they fuck, and wonder why their man parts burn... then we go ahead and tell them to take a tylenol and send them on their way... i thought I could coast by, but i was sadly mistaken

I better start warning my girlfriend, and my other friends that after they run us out of town, their jobs will be next... after all, everything that myself and the people around me do are things that we really just learn in kindergarten... my job consists of counting, talking, and basic manual dexterity... her job consists of using her eyeballs to look at stuff, talking, and writing little notes to people... like the ones we used to pass around in class... those people are nice enough to bring me those notes, and then i can go back to counting and looking busy

man... at least she gets to write stuff and sit on nice rolly stools... some of her friends are totally screwed, when the exciting rich people with fancy REAL jobs get hurt in their fast cars, and are brought in by the guy driving the flashing ice cream truck, these poor suckers think they can just get away with standing around the guy and putting bandaids and things on them... hah! just wait till they finish training those monkeys, i'm sure they'll be the first to go when the government realizes how overpaid they are...

what can i say, we've all got pretty shitty jobs that will soon be taken over by trained monkeys... woe is me *tear*

-----

anyhow, i digress... regardless of how shitty everyone's job is, and how everyone likes to compare e-wallets and e-cocks, I think we are missing the point here, and just confusing the OP.

To bring it back on track, i re-emphasize once again my earlier post, in that my sincere advice to the OP is not to look at the hands other people are dealt in life, and focus on your own. Everyone wants to make lots of money... some do, some don't, but don't stress and beat yourself up about it wondering why everyone has a mercedes and you don't... whatever will happen will happen with time. Do your best to prepare for your future, and just wait for your lucky break to come
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Old 03-07-2009, 02:04 PM   #156
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I can't believe you wrote 5 paragraphs just cause someone said pharmacy is a shitty profession. If you like the job, why the hell would you even care what someone says?
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Old 03-07-2009, 03:35 PM   #157
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if you have good credit, you can lease anything you want
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Old 03-07-2009, 04:26 PM   #158
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The real question you should be asking yourself is how you can live a happy life, not a wealthy one.

If you're not happy without your millions, you'll never be happy with them.
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Old 03-07-2009, 04:31 PM   #159
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I can't believe you wrote 5 paragraphs just cause someone said pharmacy is a shitty profession. If you like the job, why the hell would you even care what someone says?
i could have lumped it into 1 paragraph but i opted in favor of easier reading...

i didnt think someone would actually respond to that post... if anything it was meant to be humorous sarcasm before an attempt to steer the thread back on track...

for the record i am fully aware that most ppl have no clue what pharmacists do and think it is a shitty job... nothing we can do about it... my previous post acknowledges that i am fully aware of what ppl think we do.. count pills and put stickers on stuff... the arguement could be made about any profession which you are not and dont know about... hence the references to doctors who seem like they just write and talk... or paramedics who drive flashing ice cream trucks... noone knows what everyone else's career is about... ppl are entitled to their own opinions whether they choose to think they know everything or not...

anyways... back on topic shall we? man... i cant believe i had to explain a sarcastic post...
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Old 03-07-2009, 04:40 PM   #160
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I question these people who say they make it on their own. I am not saying that all aren't the case, but just funny when people say that they were able to afford their AMG at so and so age themselves, yet had their whole lives paid for. School, accommodation, food, spending money all given and then they buy their own car and claim it was their own hard work.
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Old 03-07-2009, 04:45 PM   #161
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Really? What 100k+ car do you own again?
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I guess I'm the exception. Then again, I'm a pretty amazing person.
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Old 03-07-2009, 11:39 PM   #162
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for the record i am fully aware that most ppl have no clue what pharmacists do and think it is a shitty job
I fail to see how pharmacy is unlike any other profession where you fulfill a set of duties and possess some base of expertise.. not to insult you or anything.

For whatever reason, the mkt demands that you get paid ~80-90K. I suspect some of it has to do with liability, but I doubt it's because your duties or the knowledge you have is that much out of the ordinary amongst professionals.

You probably have to pass sort of certification to practice pharmacy.. that designation's a 10-20K premium right there.
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Old 03-08-2009, 08:16 AM   #163
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Really? What 100k+ car do you own again?
My 911, doofus.
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Old 03-08-2009, 08:28 AM   #164
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I fail to see how pharmacy is unlike any other profession where you fulfill a set of duties and possess some base of expertise.. not to insult you or anything.

For whatever reason, the mkt demands that you get paid ~80-90K. I suspect some of it has to do with liability, but I doubt it's because your duties or the knowledge you have is that much out of the ordinary amongst professionals.

You probably have to pass sort of certification to practice pharmacy.. that designation's a 10-20K premium right there.
You obviously don't understand how hard the job is or how hard it is to become one.
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Old 03-08-2009, 09:45 AM   #165
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im in my 2nd year trade and i made 45k this year after taxes. i think its enough to enjoy life like goin out with friends buying some nice clothes etc. but a nice truck for me is still out of the question. who knows wut my life is gonna be like 2 years from now when i make a bit more. hopefully i can purchase a nice house. i know a few rich friends who are powered by mommmy and daddy and they said their parents were too cuz their grand parents owned hotels or wut ever over in asia. ppl on here think drug dealing is easy. dealing weed, coke or crack wont get u rich. like some1 said its like a minimum waged job. u want a start a grow op. how are u gonna start it? u need to own a house first, equipment isnt cheap and do u know any contacts. most contacts wont buy from ppl they dont know.
and i think school doesnt garantee ppl jobs. i know a few friends who got buisness and accounting degrees from ubc and sfu. they still make less than 60k before taxes with a massive student loan debt and some havent even found jobs in what they studied for and started school again. i think its all about luck, timing, ppl u know and opportunity.

right now im all about my trade. i make more money than my friends who went to university. i have no debt like they do.
yes they may have nice cars while i drive a pos blazer but i dont look at it that way. when we go out or shopping they use credit cards or what not while i use cash.
who knows 5-10years down the road i might open up my own buisness a be wealthy like my 2 bosses.

the way i see it is just be happy the way u live and enjoy life. opportunities can happen.
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Old 03-08-2009, 10:03 AM   #166
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I have to agree with you on this. Out of the 3 rental properties I own, only 1 of them has gone down enough in price for me to 'Keep it in the back of my mind' but as you said, as long as I don't sell, and the rent money is continuing to come in, i really don't care. The market is still going down, tits up or however anyone else wants to call and yes, the bank owns about 50-60% of each property, but it's still income coming in from an outside source other than my fulltime job.

I'm 27 years old making $75k + bonuses at my fulltime job, an extra $15-20k on outside contract jobs I do, riding a benz (no, it ain't an AMG yet), living in Yaletown, stocks/the usual, and property on the side. I started at 18 at an entry level job in my industry. Some of this may sound quite good to some of you but I can safely say that this with these numbers and investments I've listed, it isn't enough to live a 'balla lifestyle'. I'm completely comfortable but there's always more room for improvement and as idga-f said above, most of the weathiest people I know too also own their own business too or have extra investments/things they do on the side. I would not be able to live comfortably on a $75k job alone and live the lifestyle I have now.

To the OP, I was asking myself the same thing when I was your age and I realized you need to set a goal for where you want to be at say age 25, or 30 etc, and do what ever it is you need to get there. My family is far from wealthy so this isn't something that was passed down to me. I told myself that at 25 I want to make X amount of dollars, live in X place, and drive X car and I was only 1 year off. Just make your goal reasonable. If you have an idea for a business, seriously research it. Or if you want to climb the corporate ladder, start climbing but also realize that very few get to the very top, so you need investments or your own business or things other than your main source of income if you want to go even higher.

I chose real estate as one of them. So far it's working out for me and even in the economic times, I'm not the least bit worried about the falling real estate market. If my investment/business idea was flipping properties for short term profit, that would be a different story. I took a risk and for now it's paying off, but in the end I would rather take a chance then to have in the back of my mind "Where would I be if I only did this or that?".

I seriously dispise those who are handed their cars, apartments, and material objects to them on a silver platter. Sure they don't know how to earn an honest buck, but I would not want to be possibly responsible for sending my families wealth into turmoil, I'd rather make it. Just don't be one of those guys who sits around and complains, yet doesn't do anything about it. I have a ton of friends like that who are my age or older who have said that 'I got lucky', but it's something called hard work and goals, and honestly I can't really say I have much sympathy for them.

OP, if you have any questions or want any advice PM me, I'd be more than happy to give you my advice or perspective on it.


Probably one of the best statements in this thread in my opinion..
Good post.

I'm an average worker; I dont have brain surgeon intellect, I dont have rich parents and I dont work 7 days a week (well, at least not all the time). I do have a modest education, and I am currently moving up in my field.

Right now I save a little, but I spend a lot of the money I earn. Mostly because I look down the road and I know I'm going to be making a fair bit more.

I've been doing research and when that time comes, I am going to be looking into investments (most likely real estate) or starting my own business. But right now I'm enjoying my comfortable lifestyle, and it has (almost) been right in line with my goals from after highschool...
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Old 03-08-2009, 10:06 AM   #167
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im in my 2nd year trade and i made 45k this year after taxes.
What trade are you in where you can clear 45k as a 2nd year apprentice? lol
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Old 03-08-2009, 10:45 AM   #168
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What trade are you in where you can clear 45k as a 2nd year apprentice? lol
Trading marijuana for cocain, duh!
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Old 03-08-2009, 12:30 PM   #169
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What trade are you in where you can clear 45k as a 2nd year apprentice? lol
im in sheet metal. im a 2nd year but ive been in it for 3 years now. waiting to go into 3rd year. wait list sux. this year was good cuz due to lots of OT, like 10hour days. and working few satrudays. my companys not bad. i make 26bux an hour. the journeyman im with now cleared 85k this year. lots of ppl look down on trades but if ur good at it and work for a good company u get paid out pretty well. i dont give a rats ass about status as long as i make adecent living. i had a co worker who got a job installing elevators and he makes 100k a year. ill take that 8 hour job any day. beats being a lawyer or a doctor in my eyes.
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Old 03-08-2009, 12:37 PM   #170
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anyways... back on topic shall we? man... i cant believe i had to explain a sarcastic post...
Haha, oh please. You didn't need to explain anything. It was pretty clear how you felt from the essay you wrote in your first post.

You guys let Marco911 get to you too easily.

Last edited by ienhz; 03-08-2009 at 12:47 PM.
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Old 03-08-2009, 01:01 PM   #171
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im in sheet metal. im a 2nd year but ive been in it for 3 years now. waiting to go into 3rd year. wait list sux. this year was good cuz due to lots of OT, like 10hour days. and working few satrudays. my companys not bad. i make 26bux an hour. the journeyman im with now cleared 85k this year. lots of ppl look down on trades but if ur good at it and work for a good company u get paid out pretty well. i dont give a rats ass about status as long as i make adecent living. i had a co worker who got a job installing elevators and he makes 100k a year. ill take that 8 hour job any day. beats being a lawyer or a doctor in my eyes.
Ahh.. ok. I'm a "first level" Instrumentation Mechanic (although I have a related Diploma), after 1.5 years I'm now making 23/hr (25/hr in Sept)..I havent done any levels yet, but I have enough hours and experience so come Jan 2010 theyre going to rush me through at BCIT and I'll be done in 2012 (two levels per year). Journeyman in our union make 39/hr, and can make some really good money with overtime (1 week of 12hr/days = 3 weeks pay). I just hope this recession thing goes away, haha
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Old 03-08-2009, 01:16 PM   #172
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..and the girls go down
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Old 03-08-2009, 02:36 PM   #173
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..and the girls go down
u paying girls to go down on you?
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Old 03-08-2009, 04:43 PM   #174
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You paid 100k+ for a non turbo? Wow you rich people really dont know what money is worth.
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My 911, doofus.
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Old 03-08-2009, 06:02 PM   #175
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^ err..do you really know how much for the 911 turbo?
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