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BigBlackCockroach, in What do we get in return for paying taxes?
@BigBlackCockroach@lemmy.world avatar

bossed around.

Funstuff, in Which YouTuber's voice can lull you to sleep?

I like brutal moose, he has had a whole slew of different content through the years from video games, cooking and shopping outings that are all funny, meanwhile his second channel moose2 has streams that are calm and great to sleep too.

Real calm voice, jazz in the background usually, still entertaining. Just don’t put on any point and click adventure games to go to sleep because all the noises will be clicked repeatedly lol.

datavoid, in Which YouTuber's voice can lull you to sleep?

Highly recommend History of the Universe and its sister channels, it is incredibly calming

Notorious_handholder, in Which YouTuber's voice can lull you to sleep?

Manlybadasshero

Dude does a lot of indie games especially horror. But his voice is really soothing and he’s really calm so I end up falling asleep a lot

whereBeWaldo, in Which YouTuber's voice can lull you to sleep?

The Librarian for me, no competition. He analyzes horror games/stories so well and the dude has a very pleasant voice.

Metype,
@Metype@lemmy.world avatar

I very recently got into watching his videos. They’re great for falling asleep to, his voice is just so calm and soothing.

bjoern_tantau, in A friend offer me a investment opportunity at 15% annually, is it too good to be true ?
@bjoern_tantau@swg-empire.de avatar

Get it in writing.

But yeah, it’s sketchy as fuck. If he could guarantee that ROI he could just go to a bank.

If you can afford to lose the money and maybe tolerate a lengthy trial go for it. Personally I couldn’t.

hahattpro,

The reason he can’t go to the bank because he have take enough loan and can’t take anymore. He said I can make money by apply for loan against property, and loan to him and pocket the different.

It seem that he want to take more loan than the bank want to give him.

Yeah it seem risky as fuck. So i am asking.

EdanGrey,

Absolutely do not take a loan out to loan to him

Moobythegoldensock,

That’s not how that works. For a business, if he can show the bank his business plan, they’ll loan him whatever they think he can afford to pay, and at a lot better rate than 15%. The fact that the bank isn’t suggests they think he’s full of shit.

Junkers_Klunker,

That sounds sketchy af. I would run, FAR …

agressivelyPassive,

If his business would be viable, banks would give him loans up to a reasonable amount.

cabbagee,

If he can’t pay back the bank loans, how will he be able to pay back yours?

retrieval4558,

Anyone who would suggest this does not have your best interests at heart

moody,

So he wants you to take a loan out using your property as collateral to invest in his business? And if he doesn’t get you the promised return, what do you think happens to your collateral when you can’t pay back your loan?

roguetrick,

He said I can make money by apply for loan against property, and loan to him and pocket the different.

You never give loans to someone that you're not completely prepared to write off. You absolutely don't give loans with loans (unless you're a bank and getting those loans from a central bank, which I doubt you are).

iamdisillusioned, in A friend offer me a investment opportunity at 15% annually, is it too good to be true ?

Get all the details, then come ask us.

intelisense, in A friend offer me a investment opportunity at 15% annually, is it too good to be true ?

This sounds incredibly risky. Proceed with caution!

conciselyverbose, in A friend offer me a investment opportunity at 15% annually, is it too good to be true ?

The risk is that the business fails. There are no "sure thing" investments, especially at higher returns.

Ask him how his business can fail. If he doesn't give you a variety of possibilities and ways he's hoping to prevent them, I'd be very worried that he's overconfident and not prepared for difficulties.

hahattpro, in Fellow Lemmings, how to create Social Media that does not have mods?

Do you know Nostr ?

scytale, in A friend offer me a investment opportunity at 15% annually, is it too good to be true ?

his business don’t depend on number of customer available

Clarify this with them. If the business does not depend on customers and selling a product/service to them, then it’s most likely a pyramid scheme/MLM. If he continues to be vague about what exactly the business is, that’s another red flag. A legit business shouldn’t be hard to explain, especially to people they want to ask for investment from.

neptune, in A friend offer me a investment opportunity at 15% annually, is it too good to be true ?

Is this a loan? At fifteen percent interest?

Don’t mix friendship and money.

hahattpro,

Yes, it is a loan.

But the 15% is so high, i don’t think i come without risk. I just ask to know if it is possible to run something with more than 15% ROI, to be able to repay the loan and get interest for yourself.

Junkers_Klunker,

I wouldnt ever loan money to a person who are not disclosing the riscs.

neptune,

Someone is getting ripped of here. Could be OPs friend even.

Junkers_Klunker,

It could very well be the friend being scammed.

thelsim, in Do you have a mantra that keeps you going through tough times?
@thelsim@sh.itjust.works avatar

shrug shoulders
Eh…

I don’t have the vocabulary for a good mantra like most of you. But a shoulder shrug and a “what are you gonna do about it” kind of noise is enough for me.

MIDItheKID, in Do you have a mantra that keeps you going through tough times?

“If you’re going through hell, keep going” -Winston Churchill

FelixMortane, in Which YouTuber's voice can lull you to sleep?

Professor David Kipping and his Cool Worlds youtube series / podcast.

www.youtube.com/(sorry, linking to the channel instead of a specific video so can’t use piped it seems

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