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10/09/2007 08:58:43 AM · #1 |
I screwed up something with my class schedule which resulted in me getting a refund of $850 worth of financial aid. They are going to send me a check for it, so essentially its a low interest loan thats not due for 4 years. What should I get?!
I cant decide if I want to drop it all (plus some) on studio lights (so Ill have my own kit instead of my moms) or on a large telephoto lens for sports photog. |
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10/09/2007 09:01:50 AM · #2 |
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10/09/2007 09:03:33 AM · #3 |
Why do you have to buy anything? It sounds like you've got this $850 burning a hole in your pocket and you just have to find something to spend it on.
Just put it in the bank for a while and think about it, instead of impulse buying. |
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10/09/2007 09:10:52 AM · #4 |
If you buy studio lights, can you maybe make a return on your investment? How about with the zoom lens.. I know not everyone is out to make a quick buck out of their photography, but if you are looking at earning some cash decide which one will be most valuable to at this moment in time.
IMO, go for the lights, you can practice with them indoors/outdoors and throughout the winter months.
edit - just seen your mum has some you can use. well its really upto you at this point, or do what is suggested below and stick it in a savings account until you really need to buy something.
Message edited by author 2007-10-09 09:11:56. |
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10/09/2007 09:27:12 AM · #5 |
Originally posted by ajdelaware:
so essentially its a low interest loan thats not due for 4 years. |
So you will have to pay it back within 4 years? Just pay it back now.
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10/09/2007 09:35:17 AM · #6 |
"How about crack and whores? Always a good choice."
This post is the most offensive thing ive ever seen and im reporting you to the SC. |
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10/09/2007 09:37:46 AM · #7 |
Sike, im only playing, I love crack, whores, crack whores, and booger sugar too.
The reason Im not just dropping it back into pay my loans off is because this is money I had expected to spend on school anyway, and these are purchases I expected to make eventually as well. I think I might go for studio lights with a portable power system so I can start playing outside.
Message edited by author 2007-10-09 09:38:09. |
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10/09/2007 10:18:09 AM · #8 |
| haha im going to be a loser and say you should save it in a savings account or use it books or something...you never know when an emergency will come up |
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10/09/2007 10:21:45 AM · #9 |
Originally posted by lovethelight:
haha im going to be a loser and say you should save it in a savings account or use it books or something...you never know when an emergency will come up |
you are not a loser. You are smart.
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10/09/2007 10:22:26 AM · #10 |
| Try to decide what you anticipate shooting more of in the near future, and let that help you decide. BUT, with $850, your money will go further with lights as opposed to a nice sports lens, which you'd have to add some considerable cash to what you already have to get a decent one. I say get the lights. Happy shopping. |
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10/09/2007 10:44:08 AM · #11 |
Originally posted by rex:
Originally posted by lovethelight:
haha im going to be a loser and say you should save it in a savings account or use it books or something...you never know when an emergency will come up |
you are not a loser. You are smart. |
I see what you guys are saying, but its also not like im broke and got tihs $850 and its all my money. I have a well paying job, I have more then enough money to pay my bills, etc. Its not like im a junkie spending my last $5 for a rock.
Also, this is what im giong to school for, so I could eventually open my own photography company (or take over the family photography company) so this would be an investment, and also allow me to spend money now, at a lower rate and a deferred payback schedule, instead of buying it 2 years from now - with cash out of my savings or on a credit card where ill have to start paying it back right away. |
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10/09/2007 10:48:00 AM · #12 |
Glad to see my taxes are funding financial aid for people who don't even need the money. Wtf?
Message edited by author 2007-10-09 10:48:15. |
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10/09/2007 10:56:01 AM · #13 |
Originally posted by routerguy666:
Glad to see my taxes are funding financial aid for people who don't even need the money. Wtf? |
Don't worry big guy, its not government financial aid, its a student loan.
But even so - youre tax money is going to pay for peoples rent, transportation, school books and supplies, food, etc. You can use financial aid for anything and everything now a days. |
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10/09/2007 11:01:15 AM · #14 |
Originally posted by ajdelaware:
Originally posted by routerguy666:
Glad to see my taxes are funding financial aid for people who don't even need the money. Wtf? |
Don't worry big guy, its not government financial aid, its a student loan.
But even so - youre tax money is going to pay for peoples rent, transportation, school books and supplies, food, etc. You can use financial aid for anything and everything now a days. |
In that case I second the idea of whores and drugs. You only go to college once. |
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10/09/2007 11:04:21 AM · #15 |
Not in my case, this is my 2nd time around, already got the degree in business and finance.
And I had my fair share of townie crack whores the first time, so now its time to buckle down and see if studying actually does help. |
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10/09/2007 11:16:07 AM · #16 |
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10/09/2007 11:37:51 AM · #17 |
Originally posted by ajdelaware:
Originally posted by routerguy666:
Glad to see my taxes are funding financial aid for people who don't even need the money. Wtf? |
Don't worry big guy, its not government financial aid, its a student loan.
But even so - youre tax money is going to pay for peoples rent, transportation, school books and supplies, food, etc. You can use financial aid for anything and everything now a days. |
Is it a private student loan?
If it's a Federal student loan, even though you will eventually pay it back, the interest is subsidized (paid) by the Fed government. Not to mention that the interest you'll pay to the government is a LOT less than what the government could get by loaning those same dollars to someone else.
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10/09/2007 11:39:20 AM · #18 |
Originally posted by routerguy666:
You only go to college once. |
Nah, I went twice. |
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10/09/2007 11:50:52 AM · #19 |
Originally posted by Spazmo99:
Originally posted by ajdelaware:
Originally posted by routerguy666:
Glad to see my taxes are funding financial aid for people who don't even need the money. Wtf? |
Don't worry big guy, its not government financial aid, its a student loan.
But even so - youre tax money is going to pay for peoples rent, transportation, school books and supplies, food, etc. You can use financial aid for anything and everything now a days. |
Is it a private student loan?
If it's a Federal student loan, even though you will eventually pay it back, the interest is subsidized (paid) by the Fed government. Not to mention that the interest you'll pay to the government is a LOT less than what the government could get by loaning those same dollars to someone else. |
Privatized through Sallie Mae I believe. The government didnt want to pay for me to go to school twice haha. |
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10/09/2007 11:51:08 AM · #20 |
Originally posted by ajdelaware:
Originally posted by rex:
Originally posted by lovethelight:
haha im going to be a loser and say you should save it in a savings account or use it books or something...you never know when an emergency will come up |
you are not a loser. You are smart. |
I see what you guys are saying, but its also not like im broke and got tihs $850 and its all my money. I have a well paying job, I have more then enough money to pay my bills, etc. Its not like im a junkie spending my last $5 for a rock.
Also, this is what im giong to school for, so I could eventually open my own photography company (or take over the family photography company) so this would be an investment, and also allow me to spend money now, at a lower rate and a deferred payback schedule, instead of buying it 2 years from now - with cash out of my savings or on a credit card where ill have to start paying it back right away. |
In that case get yourself a set of studio lights or a good wide angle/telephoto lens! |
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10/09/2007 12:31:51 PM · #21 |
Originally posted by Spazmo99:
Originally posted by routerguy666:
You only go to college once. |
Nah, I went twice. |
I only went once, but I made sure it lasted a good, long time. :) |
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10/09/2007 12:35:57 PM · #22 |
Originally posted by lovethelight:
In that case get yourself a set of studio lights or a good wide angle/telephoto lens! |
Count me in.
So now someone point me to what will get me the best bang for my buck (and I mean equipment not whores) |
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10/09/2007 12:40:09 PM · #23 |
Originally posted by ajdelaware:
Originally posted by lovethelight:
In that case get yourself a set of studio lights or a good wide angle/telephoto lens! |
Count me in.
So now someone point me to what will get me the best bang for my buck (and I mean equipment not whores) |
I dunno, if you want to keep doing this i would just chuck out the bucks for alien bees lights, i just did that recently and im never going back. i love them! |
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10/09/2007 12:41:18 PM · #24 |
Yeah, I've heard good things about them.
When it comes to lighting, is it usually jsut safe to stick with White Lightning and Alien Bees? |
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10/09/2007 12:42:26 PM · #25 |
Originally posted by ajdelaware:
Yeah, I've heard good things about them.
When it comes to lighting, is it usually jsut safe to stick with White Lightning and Alien Bees? |
And Norman...
R.
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