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burning a hole in my pocket.

maflynn said:
And the current generation has done an awesome job :rolleyes:
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I laughed when I saw this! Brilliant! Could the Baby Boomers have f*cked up anymore?

I would like to thank the generation that made disastrous decisions at home and abroad during the 60's, 70's, and 80's for the wonderful world my generation has inherited.


<Clears Throat>

Thank you for not investing in fuel efficient vehicles when you lived through two fuel shortages. Thank you for the Vietnam war and all the people that lost their lives for nothing. Thank you for the nuclear arms race that produced so many nuclear weapons inherited by my generation that we will have to plan on how to deal with them as they age. Thank you for dipping into Social Security with no fiscal plan for repaying it. Thank you for working on reducing the US National Debt that is now so high that no matter what my generation does, my children will still be paying on it. Thank you for arming and disarming so many different dictators that whole parts of the world hate the US (and rightfully so). Thank you for taking so long to embrace Civil Rights. Thank you for putting Oil Companies on US Government Committees that worked hard to find alternate fuel sources. Thank you for perverting justice through the decades and doing the right thing during the Union Carbide/Bhopal disaster...gosh, I could go on.


To those that disparage the future, I say how could you have allowed the past to happen? Honestly, don't we owe the future an apology...


and finally, to the people berating the OP for spending irresponsibly, I hope you see the irony...
 
Buy nice toys AFTER you graduate from college and have a pot to piss in...unless your of course an art major that sucks in which case yes spend copious amounts of money on things now since you won't have any money later on :D And if your pre-med...God help your soul for even considering anything other than biology books and adderral (notice I did not mention food).:rolleyes: BTW I just got a MacBook Pro and Im not even a freshman in college yet. This thing is going to last me tell at least Junior year if not all the way to post graduate stuff...jeez..
 
Pentad said:
I laughed when I saw this! Brilliant! Could the Baby Boomers have f*cked up anymore?

I would like to thank the generation that made disastrous decisions at home and abroad during the 60's, 70's, and 80's for the wonderful world my generation has inherited.


<Clears Throat>

Thank you for not investing in fuel efficient vehicles when you lived through two fuel shortages. Thank you for the Vietnam war and all the people that lost their lives for nothing. Thank you for the nuclear arms race that produced so many nuclear weapons inherited by my generation that we will have to plan on how to deal with them as they age. Thank you for dipping into Social Security with no fiscal plan for repaying it. Thank you for working on reducing the US National Debt that is now so high that no matter what my generation does, my children will still be paying on it. Thank you for arming and disarming so many different dictators that whole parts of the world hate the US (and rightfully so). Thank you for taking so long to embrace Civil Rights. Thank you for putting Oil Companies on US Government Committees that worked hard to find alternate fuel sources. Thank you for perverting justice through the decades and doing the right thing during Union Carbide/Bhopal disaster...gosh, I could go on.


To those that disparage the future, I say how could you have allowed the past to happen? Honestly, don't we owe the future an apology...
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This makes spending money that isn't yours on a computer you don't need acceptable, because...?
 
El Cabong said:
This makes spending money that isn't yours on a computer you don't need acceptable, because...?
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It's his if he has to pay it back. Oh wait I forgot student loans are relatively easy to discharge in bankruptcy. :rolleyes:

AARP is trolling hard today. What gives? I guess they're upset that if we blow our $$$ on toys then we won't be able to fund the biggest ponzi scheme on earth social security.
 
when I was in Uni I took out the most loans they would give me (federal only, no private loans). Anything that wasn't needed for tuition was released to me in a check. Sometimes I used it for rent but I also used it to go backpacking in Europe and Africa. And I don't regret it at all. If I had used a credit card my interest rate would have been 18% versus the 6% for my student loans.

I left school in December 2008 with $22,000 in debt, today I am just under 7K.

As long as you are good about paying off your loans quickly (forget just paying the minimums because you'll never pay it off) then I don't see the trouble in using *some* student loan money for other things. BUT YOU HAVE TO KNOW AND BE HONEST WITH YOURSELF ABOUT YOUR SPENDING/SAVING HABITS. The OP doesn't sound like he's very good about controlling his spending impulses so would think long and hard about needs vs. wants.

Enough people have given you a virtual twap on the head, so I won't add to it. In the end, it is your decision.
 
nateo200 said:
...unless your of course an art major... And if your pre-med...God help your soul...Im not even a freshman in college yet.
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Yes, we can tell. :)

cheers,

Henry
 
Tomorrow said:
I think the vibe here is more about the money "burning a hole" in his pocket, not what he wants to spend it on. It's about a lack of financial discipline, not about whether he needs a computer.
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I know, and I agree its not good but I'm in my mid 30's and it just doesnt seem that loag ago that I was living in the fraternity house looking for quarter beer nights, considering a full tank of gas to be an investment and trying new things with ramen noodles.

I got my first computer then, it was a P3 with 8mg of ram and a 1.2gb hard drive. I updated it to 16mg of ram to get that blinding fast duke nukem speed. That computer ran me $3,300 and that was a deal. Took me a while to pay it off and people gave me the same lectures this guy is getting.

Guess it just brings up some memories.

OP.. I cannot stress this enough.... do not waste it on little things!! Ask anyone with thousands of dollars of cc debt what they have to show for it and it will almost always be nothing!

Its not the car or computer that gets you, its the dinners out, new shoes, video games, ect that get you.

DAMN!!!! Now I am old :confused::eek:
 
God forbid i actually get enough money in my student loans to splurge on anything extra. But i think i'll stick to using my student loan money for tuition/rent/bills and if i have a little over, then just save the money. I don't think that if i had extra money i would just go spending it like that, i would probably save it anyway. If that's what you wanna do with your money then go for it, a student loan is a Credit Card in a sense, so do what you gotta do.
 
How are you guys even getting student loans :(

Effing Canada. Not giving me squat for my tuition.
 
henry999 said:
Yes, we can tell. :)

cheers,

Henry
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God forbidd I upsat the grammer nazie's :D Just kidding. Grammar is admittedly not my strong point but to be perfectly honest I don't care, I'll probably be spelling the same way in 15 years.

EDIT: I think we are making some broad assumption's about the OP, it does sound a little immature to post this given it has no point but hey Albert Einstein couldn't even brush his hair :D
 
Eddyisgreat said:
It's his if he has to pay it back. Oh wait I forgot student loans are relatively easy to discharge in bankruptcy. :rolleyes:

AARP is trolling hard today. What gives? I guess they're upset that if we blow our $$$ on toys then we won't be able to fund the biggest ponzi scheme on earth social security.
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Oh wow, I was wrong. I totally thought it would be his if he didn't have to pay it back. I guess I forgot that borrowing something confers ownership (in this case, with the added benefit of interest and collection calls).

Bankruptcy is a pretty booming business nowadays, and I hear it's really good for your credit score.

I'm lucky enough to be in a generation that will be paying into Social Security for the next 4+ decades with no foreseeable return (unless it's dismantled before then - fingers crossed), that has been in school just long enough to be completely screwed by the recession that stemmed from the housing bubble, and that gets to look forward to the bursting of the student loan bubble (with the help of people like the OP) and the growing threat of government insolvency.

Anyway, hopefully no feelings are hurt, and the harsh tone will make it obvious that people would advise strongly against spending loans on impulse buys.
 
Eddyisgreat said:
Oh wait I forgot student loans are relatively easy to discharge in bankruptcy. :rolleyes:
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Just want to set it straight on the record that student loans can NEVER be discharged in bankruptcy (unlike credit-card debts and secured debts like mortgages). They literally are with you until you die, unless of course your parents co-sign for it, which means they are on the hook too if you go before them.

It irks me to no end that financial misinformation gets perpetuated, knowingly and unknowingly, and innocent people get sucked into the quicksand...
 
deeesea said:
How are you guys even getting student loans :(

Effing Canada. Not giving me squat for my tuition.
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In America you can get a $10,000 loan even if you're homeless. I don't even think you need to be a U.S. citizen anymore, just located within the U.S. while asking for a loan. Our whole society is built brick by brick by loan by loan. Debt is the modern American dream!

I bet the OP had no idea the can of Whoop-Ass he was going to open on this thread!
 
aCondor said:
In America you can get a $10,000 loan even if you're homeless. I don't even think you need to be a U.S. citizen anymore, just located within the U.S. while asking for a loan. Our whole society is built brick by brick by loan by loan. Debt is the modern American dream!

I bet the OP had no idea the can of Whoop-Ass he was going to open on this thread!
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Yeah no you dont, glad you know something about the loans...
 
After spending some time in college level economics then reading this thread....I think I'm making some connections. :rolleyes:
 
wow, I really didn't think I asked for elitists to critique my life but, before all of you go on assuming. school loans are for school. my wife has been attending college and it's been hard sharing one macbook between one student and a avid nerd. now I'm also going to college and between papers and other unpredictable scheduling some nights we may both need to compute. thus my wife would get the macbook and I would get the new mbp. 2 computers for students isn't rediculous. I mean, I dont have 3 30 inch monitors or anything. but go on with your 'holier than thou" lectures because none of you are repaying my loans, I am. If I'm not mistaken, forums are for speaking your mind - I was struggling with it but I've been waiting 6+ months now, might as well keep waiting. :)
 
marshallbedsaul said:
off topic is the market place still usable here?
I am trying to find it.
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The post count requirement was increased to 250, which you just now met. It may take an hour or two for the system to recognize that and allow you to see the marketplace forum, or you could try logging out and logging in again.
 
marshallbedsaul said:
lol what is that guy talking about, no way not these days loans, pft

on a side note
off topic is the market place still usable here?
I am trying to find it.
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I dont know where he got that, I have to fill out 10 loan apps just to get one...now if its something like the Stafford or Parent Plus(Since Obama got in) they are easy to get and I dont really consider a Stafford a loan since its restricted in how much you can get.


But back to the OP, buy one now because like I said nothing is coming that will be that great and it will just be trumped by whats coming out in 2012 and then 2013 will best 2012...
 
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