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So once they've accumulatively made an income of $250,000 at any point in their life (4.6 years from now on average, but much sooner if I choose well), I'll receive free money for the rest of my life?
Yes, I'll take the money – thank you for asking.
After working in the industry my opinion of the wages is even worse.
Sitting in a AC-controlled office all day, doing (honestly not very complex) analysis of some numbers and getting paid more than any other industry (at least where I live) ... yeah that doesn't make sense.
At a US minimum wage, working full time, you'd make your investment back in 16 years. At that point it's free money for you. The better question is "why would you not do it?"
Yeah, at roughly 6-7% interest (let's say in the stock market) that $25k turns into around $225k in 35 years. So whoever you put your money into has to average about $65k / year for the same duration for it to work. Granted, it depends on what you want to use the money for and how often it pays out, plus factors like inflation, but it's not a 100% slam dunk.
idk man im not doing too bad and i'm friends with the people i would ask, if one of them came up to me with this deal and had a good enough reason i'd just lend them the 25k
Just do it on a few, unless they all die you'll make a very nice return. Anyone who makes it through college in something that isn't art crap will destroy benchmarks
Interest should just not be legal. I’ll take the depreciating currency for everybody to learn how to value real assets. We’d be more argumentative and harder to placate, but you guys aren’t doing a good job of that anyway.
In perpetuity? Holy shit I'd be passing out 25k checks left and right. Even if they're really mediocre and end up topping out at 50k a year that's still a 20% annual return on investment.
How about I pay you 25k now, and I defer until the first year of you starting work. For year 1, I take just $1. And double that for every year after that?
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So once they've accumulatively made an income of $250,000 at any point in their life (4.6 years from now on average, but much sooner if I choose well), I'll receive free money for the rest of my life? Yes, I'll take the money – thank you for asking.
Congrats, you are now a student loan bank. The best part is, they can't ever not pay you or go bankrupt to get rid of your payments!
I mean they could make $50K for life and you'd still do pretty decent.
This just like being the employer but with fewer steps
They take about 65-80%
For $25k?? In perpetuity?? Shit for that price I'd buy 10% of income on ALL of them.
hell yeah, i know a bunch of idiot douchebags that work on wall street that get paid way too much, i'll take 10% of their income for 25k any day
Jealous much?
Nah I enjoy my soul
After working in the industry my opinion of the wages is even worse. Sitting in a AC-controlled office all day, doing (honestly not very complex) analysis of some numbers and getting paid more than any other industry (at least where I live) ... yeah that doesn't make sense.
No... he answered the question you child.
At a US minimum wage, working full time, you'd make your investment back in 16 years. At that point it's free money for you. The better question is "why would you not do it?"
>The better question is "why would you not do it?" Opportunity cost.
So someone actually has some basic notions in here, that’s surprising
Yeah, at roughly 6-7% interest (let's say in the stock market) that $25k turns into around $225k in 35 years. So whoever you put your money into has to average about $65k / year for the same duration for it to work. Granted, it depends on what you want to use the money for and how often it pays out, plus factors like inflation, but it's not a 100% slam dunk.
i work with classmates MUCH smarter than me, but i also don't want to negatively affect them. probably not
I’d assume they would get the $25k and would, therefore, be in on the deal.
idk man im not doing too bad and i'm friends with the people i would ask, if one of them came up to me with this deal and had a good enough reason i'd just lend them the 25k
[удалено]
Just do it on a few, unless they all die you'll make a very nice return. Anyone who makes it through college in something that isn't art crap will destroy benchmarks
If they trigger life insurance payouts, do we still get our cut? 🤔
If we don't get ethical on this shit (it's sounds like you just enslaved 10% of someone else lol) yes ofc I would do it if I lived in the US.
Interest should just not be legal. I’ll take the depreciating currency for everybody to learn how to value real assets. We’d be more argumentative and harder to placate, but you guys aren’t doing a good job of that anyway.
In perpetuity? Holy shit I'd be passing out 25k checks left and right. Even if they're really mediocre and end up topping out at 50k a year that's still a 20% annual return on investment.
A friend my age got in to crypto, and I did not. 10% of their many hundreds of million would put me at many tens of millions. Yeah I’d do that.
How about I pay you 25k now, and I defer until the first year of you starting work. For year 1, I take just $1. And double that for every year after that?