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money
 | 
Germany Jixxahh_CS 
I've been saving money for the last few years now and I have around 7k euros saved in my emergency account, what is the smartest way to use them ? I don't think I need anything right now and I hate wasting money, should I maybe get into the stock market ? Is there anyone in the same boat as me ?
2020-01-18 21:23
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#1
 | 
Germany Jixxahh_CS 
If you're under 18 please don't reply. This is a serious topic.
2020-01-18 21:24
Imagine asking something seriously in hltv
2020-01-18 21:26
#12
 | 
Germany Jixxahh_CS 
Nah I never took hltv serious, maybe someone will reply, let's see.
2020-01-18 21:29
Investing in stocks ? Or just learn how social networks can earn you tons of money online. You have 7 k euros that’s a great way to start earning money online.
2020-01-19 20:31
#29
gla1ve | 
Denmark flapdur 
You must have some major expenses coming up. If you´re living at home, then maybe save it until you move out. Before you invest, ask yourself: Can I afford to lose that money? (most likely you can) Do you know someone who can give you advice? (If a good idea comes up here on HLTV, check it with someone clever, before going for it. Good luck
2020-01-18 21:51
#33
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Germany Jixxahh_CS 
Thank you.
2020-01-18 21:57
#2
 | 
Mexico MEXlCO 
buy dlore
2020-01-18 21:25
#41
 | 
Czech Republic Xedys 
This is so disrespectful. This guy is trying to solve something and you respond with trolling. I am deeply disappointed in you. What a garbage human being. He should buy Gunghir
2020-01-18 22:08
#57
 | 
United Kingdom HLTV_PATRIOT 
2020-01-18 23:56
worm god?
2020-01-19 23:37
#120
 | 
United Kingdom HLTV_PATRIOT 
safari mesh
2020-01-20 00:11
#3
cype | 
Finland deiasha 
stock market? are you 4real?
2020-01-18 21:25
#17
 | 
Germany Jixxahh_CS 
What's wrong with it ?
2020-01-18 21:35
Only naive retards are willing to invest in there
2020-01-19 01:05
#77
 | 
Netherlands OfficialSEANY 
gues you only want to spend money instead of making money.
2020-01-19 19:51
You’ll only lose it but do whatever u want naive bud
2020-01-21 16:50
you have a poor mindset.
2020-01-21 22:43
#4
 | 
Estonia whosmans 
saved 10k for emergencies when i was 15, 18 now and still havent found the time to use the money. I would suggest just keeping it
2020-01-18 21:25
#13
 | 
Germany Jixxahh_CS 
How the hell did you manage to save 10k when you was 15 ?
2020-01-18 21:29
#27
 | 
Estonia whosmans 
csgo trading and tf2 trading had about 15k but ive spent 5k on food, computer, ilrl things, etc etc i regret it though, now that im especially focused on school i find some of the fundamental things more difficult than the other students. Its because instead of studying back then, i focused more on trading. As a result, that decision is returning to harm me more than the 10k helped
2020-01-18 21:49
#116
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United Kingdom Cosharek 
Focus on something that you like doing and could turn into a business instead, most of the time people are unhappy with the job they have so make sure you either study what you want not something that is forced onto you and even in your free time keep expanding your knowledge in the direction that you wanna go, work hard young and chill out old and sound 😎
2020-01-19 23:35
#79
 | 
Netherlands OfficialSEANY 
2019 was a great time to invest in the stock market
2020-01-19 19:52
#104
 | 
Estonia whosmans 
there is never really a great or bad time to invest. You never actually lose or gain any money with investments the only thing stocks are good for is getting paid with to avoid income taxes
2020-01-19 21:10
I disagree
2020-01-19 22:16
I agree long term yea short term nah
2020-01-19 22:17
Buy btc
2020-01-18 21:26
#20
 | 
United Kingdom Megamo10 
+1 this guy knows what's up
2020-01-18 21:38
#88
 | 
United States Bonger 
read #1 please
2020-01-19 20:05
#100
 | 
United Kingdom Megamo10 
I feel bad for you One day you'll realise but it'll be too late
2020-01-19 20:42
#102
 | 
United States Bonger 
What, why?
2020-01-19 20:52
#103
 | 
United Kingdom Megamo10 
No point. The information is out there. Some people just can't help themselves
2020-01-19 21:10
#105
 | 
United States Bonger 
I was just referring to him saying that no ppl under 18 are allowed here
2020-01-19 21:10
#106
 | 
United Kingdom Megamo10 
Ok I apologise. I am 19 .
2020-01-19 21:13
#107
 | 
United States Bonger 
In that case I apologise as well, I thought you are 17 for some reason.
2020-01-19 21:14
#108
 | 
United Kingdom Megamo10 
Probably because I troll and say stupid shit, but it's anonymous with no repercussions so that's why.
2020-01-19 21:17
#64
 | 
Brazil Norddeutscher 
-1
2020-01-19 00:27
#6
shrek | 
Norway de1ka 
buy few old BMWs like E39, E34 or E38 and sell them after few years for 5k euros
2020-01-18 21:26
nobody is gonna buy them :D
2020-01-18 21:30
#37
shrek | 
Norway de1ka 
ofc someone will, everyone 18 yo kid is dreaming about having old bmw
2020-01-18 22:02
#9
 | 
Dominican Republic yolinho 
invest it, buy and resell things
2020-01-18 21:26
#10
fat | 
United States girls 
war bonds
2020-01-18 21:26
i read monkey lol
2020-01-18 21:27
#74
Aleksib | 
Finland Mamppa 
expected
2020-01-19 19:46
y
2020-01-19 19:46
#92
Aleksib | 
Finland Mamppa 
your name
2020-01-19 20:09
i'm from deutschland
2020-01-19 20:29
#97
Aleksib | 
Finland Mamppa 
????? your name is literally jungleboy. and monkeys live in jungle. So its expected a jungleboy to read monkey.
2020-01-19 20:32
invest in crypto money or do drop shipping ?
2020-01-18 21:32
#16
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Germany Jixxahh_CS 
I don't have experience in crypto field and I have no idea what drop shipping is so yeah...
2020-01-18 21:35
you should actually check it on google or watch some videos about it, its very interesting
2020-01-18 21:40
#31
 | 
Russia SW@G 
Isn't drop shipping so popular that no one new will make any money?
2020-01-18 21:54
#80
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Netherlands OfficialSEANY 
don't do dropshipping
2020-01-19 19:53
buy a bag of cocaine and some prostitues from ukraine or russia for discover real women and not a fat half germano turkish mustache girl
2020-01-18 21:37
#19
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United Kingdom Megamo10 
vanguard blended index funds 100% equity I am currently up 11% Thank me later. of course bitcoin will moon in the future but 99.9% are too scared
2020-01-18 21:38
#25
 | 
United Kingdom Cosharek 
+1 but it's a longer investment, and you need to have balls to not take out when u see it drop a lot
2020-01-18 21:45
#21
 | 
United Kingdom Cosharek 
21 here, investing is a risky plan but if you wanna invest I would invest in amd stock, it has risen from 3 $ in 2016 to 49$ at the moment and I'm predicting it will rise to 57-60$ in 2021 so it's a good investment Imo, they are overtaking Intel slowly an i don't care what any fanboy says, more laptops use their cpus their cpus are on par with Intel and in some tasks better. Not to mention the price and the fact Intel is the toaster cpu nowadays, 370watts for their newest i9 lmaoo. Anyway I run a 3d printing business that cost around 300 to setup and its already generated way more then that, not every business needs a lot of Money, have a look at what hobbies you have maybe turn one of them into a business. You half quite a nice amount, use it wisely. I would probably move to Holland and start my own weed farm 😎
2020-01-18 21:40
#24
 | 
Germany Jixxahh_CS 
Yeah I'm scared to invest, do you know any good courses online or youtube channels or something like that so I can educate myself ? And what comes to hobbies I already have hobbies with income. I'm a photographer and a DJ but last time I had a gig was like 2 months ago so yeah.... But I make a nice amount of money with photography, it's nice extra money that I can spend.
2020-01-18 21:44
#30
 | 
United Kingdom Cosharek 
Just invest in amd, plus 500 is a good app, you should look up what cfd trading is, to make it simple you predict if a stock price is going to go up or down instead of investing your own money, so for example let's say Intel is a at a 100$ and you buy 100 units saying it will go up and it does go up to 105$ if you cash out at that point then you will get the difference (5$ in this case multiplied by the amount of units you buy so 100x5 $500) , vice versa for when it goes down but then instead of getting the difference you would need to pay for it. MetaTrader 4 is also very good but not as user friendly in terms of the ui.
2020-01-18 21:53
#32
 | 
United Kingdom Cosharek 
Fucken shitty autocorrect
2020-01-18 21:55
AMD looks like a pretty safe choice even if it is perhaps a little late to join the party. Still 10-20% seems likely within reasonable time. The weed business is also an area one can invest and by that I mean grabbing on to what is going in the US where lots of states are making it legal, so a new market has been created and companies are emerging - pick one that wins and it will be good. On the the other hand pick one that doesn't make it and poof.
2020-01-18 21:59
#38
 | 
United Kingdom Cosharek 
I would make my own so I can grow and smoke 😎
2020-01-18 22:02
#49
Thorin | 
Ukraine Maximka 
$300 to set up a 3d printing business? Isn't the printer itself is very expensive?
2020-01-18 22:19
#51
 | 
United Kingdom Cosharek 
The printer plus a few mods was 220 for me lookup the creality ender 3 buying a few parts and filament that I use to create my products was the rest its quite affordable nowadays actually
2020-01-18 23:40
#52
Thorin | 
Ukraine Maximka 
can you share what do you print?
2020-01-18 23:48
#58
 | 
United Kingdom Cosharek 
Here is my one of my items rover.ebay.com/rover/0/0/0?mpre=https%3A.. I play sim racing games and I make mods for well known sim racing wheels, atm I only have this wheel adapter but I also make sequential shifter mods, sim racing handbrakes and soon I'll be making upgrade parts for my printer that I will also be selling, huge huge profit margins since fillament is cheap
2020-01-18 23:57
#59
Thorin | 
Ukraine Maximka 
awesome, thx for sharing
2020-01-19 00:06
#23
 | 
Chile strong221 
keep saving man <3 you dont need anything
2020-01-18 21:42
#26
 | 
Germany Jixxahh_CS 
Yeah I don't like spending money but I don't like that my money just sits in the account, I want to do something with it.
2020-01-18 21:45
#45
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United Kingdom Megamo10 
#19 index funds. Make 10% return annual instead of letting inflation eat it away
2020-01-18 22:12
#82
 | 
Netherlands OfficialSEANY 
its 7 to 8%
2020-01-19 19:59
#99
 | 
United Kingdom Megamo10 
I currently have 11.5% But yes annually 8% probably
2020-01-19 20:41
thats verry nice! 2019 was a good year though and statisticly the year after such a year is under that 8% but right now the market is still going ham!
2020-01-19 22:12
congrats, youre dlore owner
2020-01-18 21:48
#34
 | 
Germany Jixxahh_CS 
I don't play cs these days
2020-01-18 21:58
#36
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Bosnia and Herzegovina BigDaddyNaz 
Dividend stocks are good, that German telecom company O2 pays some amazing dividends, something crazy like 10-11% if I remember correctly, also some television companies and BMW also has dividend stocks. It's a shame to let that money sit if you don't need it especially in Germany, it's the biggest and most stable market in Europe.
2020-01-18 22:00
Bunch of hookers and cocain
2020-01-18 22:04
Start with investing some of the money in yourself - read some books about investing, maybe take an investing course or something, and when you think you know enough then you can start with stock market
2020-01-18 22:06
#48
 | 
Germany Jixxahh_CS 
Yeah I will probably end up doing that.
2020-01-18 22:18
What u want from life? Save to invest in those things. Save to save money? NEVER.
2020-01-18 22:08
You have enough to start investing, but remember that one can lose it all when investing. There is no reward without risk and no sure way of predicting what is coming, some say a new crisis like a good decade ago is coming only it may not or it may be in five years and by that time you can have grown your investment. The only really certain that if your money just sits there then unless you collect interest inflation is slowly eating them away. If you have any sort of debt then start by paying that off is the conservative approach, next if there are things in your daily life that costs more than is needed which you can fix with money then do that. And there is investing, just remember that stocks are like lottery tickets only less risky but with lower payout as well. When investing generally consider companies that makes things people will always need, like medicine, insurance and so. If you buy stocks in a foreign company then you will on the same time also be gambling the currency market - buy stocks in a US company then if the dollar gains value it will boost the value of the stock for you and vice versa.
2020-01-18 22:08
#47
 | 
Germany Jixxahh_CS 
Thank you for this information!
2020-01-18 22:18
#44
rain | 
Israel ReakZez 
well if you dont have a car u should get one idk how much it cost on germany but if u can u should buy one
2020-01-18 22:10
#46
 | 
Germany Jixxahh_CS 
I don't need a car.
2020-01-18 22:18
Why? Public transport in Germany works well and lots of people live and work where they don't even need that, just a bicycle and then on occasion a Taxi.
2020-01-19 01:06
#72
rain | 
Israel ReakZez 
idk bro i dont live there lol
2020-01-19 19:43
You made a suggestion as to which I ask why? If you don't care then why the suggestion?
2020-01-19 20:06
#98
rain | 
Israel ReakZez 
u littrly said in other words that he doesnt need a car so i said idk i dont live there but i know in other places car is a good way to spend money on if you dont have one
2020-01-19 20:34
#50
device | 
Ukraine Valdirr 
Dept
2020-01-18 22:45
Step 1: Don't take advice from hltv forums
2020-01-18 23:50
#56
 | 
United Kingdom HLTV_PATRIOT 
But if he does that then he's taking advice from you
2020-01-18 23:56
#54
 | 
Albania Fleeperi 
please don't gamble money on stocks stay away from that SH*T
2020-01-18 23:54
#55
 | 
United Kingdom HLTV_PATRIOT 
Don't use it It's an emergency account Save it for emergencies strawpoll.com/6pg79z5a
2020-01-18 23:55
#62
 | 
Poland Julka 
+1
2020-01-19 00:17
#65
 | 
Brazil Norddeutscher 
+65654568734
2020-01-19 00:28
#60
 | 
Russia MonkaSss 
buy shares of astralis and any other
2020-01-19 00:12
My dad and I got some money saved up on a separate account and after a few years we got about 10€ in return, there's like 5k€ there lmao gg
2020-01-19 00:16
If you really dont want to invest or spend it on some vacation then just keep saving it You might need it in the future
2020-01-19 00:19
Put it in an index fund and forget it It will grow to 53k euros in 30 years If you don't want to actively invest, do that. Much better than sitting in a savings account
2020-01-19 00:54
#89
 | 
United States Bonger 
read #1 smh
2020-01-19 20:06
I'm not wrong though
2020-01-19 20:23
Take a vacation. You have 1 life. Enjoy it!
2020-01-19 00:58
Put it in an index fund, you will get a passive income albeit it won't be a lot. Thats what I would do personally. I am not a capitalist, but I like to make money.
2020-01-19 01:03
create a small business, example a small shop or use the money to buy stuff and then sell on amazon ebay + some %
2020-01-19 01:08
stupid flex but ok
2020-01-19 19:44
#76
 | 
Bulgaria kr9ptonn 
bet them
2020-01-19 19:48
#78
 | 
Russia YukoXD 
buy cocaine
2020-01-19 19:52
#81
NEO | 
Poland AntOOr 
If you have no reason to use them just don't use them. But if you have so high need to buy smth it has ro be travelling. It's always worth to visit other places
2020-01-19 19:58
money make a man act funny
2020-01-19 19:59
invest
2020-01-19 20:00
tomorrow u get run over by a car and die, rip ur 7k :p
2020-01-19 20:00
#86
daps | 
North America JC_123 
if the money's just going to sit there you could buy bonds or go for stocks from your bank
2020-01-19 20:04
buy new face
2020-01-19 20:05
buy skins
2020-01-19 20:06
#101
 | 
Ukraine GaRden144 
gamble it
2020-01-19 20:43
Small and medium sized enterprises. The stock market is artificially Inflated taking quantitative easing cash out of western economies. Blue chip companies are buying back their own stock and thus inflating their own value at the expense of the population and their pension funds. Invest smart now and future proof yourself. Advice from a boutique broker
2020-01-19 21:26
+ 7k is not enough to start a small business or shop with enough stock to last you more than 2 weeks in most western european countries. If you do not invest your money will be subject to inflation more dramatically than you can imagine. This or gold( medium term) oil ( long term ) or weapons/military private sector or funerary services (short term)
2020-01-19 21:32
#112
 | 
Romania DoINeedAName 
Start a bussiness Invest in stock market ( but first learn how to)
2020-01-19 21:47
#117
shrek | 
United States 69420 
Money overrated just like sex That's why I have none .
2020-01-19 23:37
#119
 | 
China SwooksarV2 
Wait wait wait. If it's emergency funds, don't touch it. Also, 7k euro imo isn't anywhere enough to make any substantial investments that are worth the return. Just save the money for now
2020-01-19 23:41
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