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#46
May 19th, 2005, 02:01 AM
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no their not  I am still paying of mine 
__________________
Look! Its a ShemZilla   
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#47
May 19th, 2005, 03:27 AM
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But you have nofriends  , right?P.S. I am, too; will be until 2026 at this rate :/
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#48
May 19th, 2005, 04:05 AM
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I dont understand  Have a student loan?
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#49
May 19th, 2005, 05:04 AM
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I said: Student loans are your friend You said: (username is nofriends) No they're not. I said: But you have no friends, right  _____________________ another failed joke attempt is forever logged in the abyss 
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#51
May 19th, 2005, 07:44 AM
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Loans add interest. Why not save money and just pay everything in full? Yes I'll probably need student loans but the less borrowing the better.
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#52
May 19th, 2005, 09:15 AM
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Because the net present value of 5$ today is far different from the net present value of a future 5$. Inflation and the uncertainty of currency makes Federal Student Loans a great idea - chances are, you'll save alot of opportunity codt if you apply the money you are making to more immediate consumption. Does that make sense?
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#53
May 19th, 2005, 09:22 AM
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umm.. for a salaried employee, a loan actually makes better economic sense quite often. in your case, since you dont have a steady income at the moment, this may or may not benefit you. But the loan will not affect you much, if you go on to make full use of your college education. your salary will whipe it out pretty fast provided you are prudent.
I have pretty decent understanding of the economic benefits of a borrowing etc..you have to factor in many thing tax rebates, opputunity costs, cash tie up, etc...but i dont have the time to explain all of them. it took me about 3 years to fully understand the way things play out. Google this in detail, or go see a chartered accountant. mind you they charge, but they'll help you plan your finances and investments. as a young proffessional a sound financial plan, is a must. my 2 cents
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#54
May 19th, 2005, 10:26 AM
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Agrees!^^ Were you a finance major too?
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#55
May 19th, 2005, 10:35 AM
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lo... unfortunately not medianox. i do like the subject though.. my information comes primarily out of a lot of reading up, and from managing my own finance portfolio since freshman college. besides i have spent a pretty penny on chartered accountants and my sister is one too (but i wont bum her for advice
). the net result has ben profitable though so i dont mind the money spent on their fees
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#56
May 19th, 2005, 11:11 AM
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Regardless, I think that full comprehension of OPPORTUNITY COST will change anyone's life and the way they view every decision made. oneMSBI, do you think this is true of Opportunity cost?
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#57
May 19th, 2005, 01:01 PM
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