Decision Time!

[sdub2221 0]

I know I won't get my tax return for a couple of months, but if I don't make a decision now, I will blow it all on stuff I don't really need. I took out a pretty hefty student loan a while back, and if my math is correct, I should start receiving the bill in February or close to it. I could pay off a pretty good chunk if I used 90% (I need about 10% for savings account) of my tax return on my loan. Here is the hard part... I test jumped a pilot about a month ago and I can't stop thinkin about it, I WANT ONE! So my options are; brand spankin' new Pilot, or paying off some lame ass loan. If I buy the Pilot, I will have the loan payments which will almost completly take away my skydiving money, I might be able to get 1 or 2 jumps a week, maybe... If I pay the loan off, I will have no payments, stuck in between a rock and a hard place, any suggestions?

[faulknerwn 38]

Jump more often, and wait for the new canopy :-) You can get good canopies that aren't brand new in the classifieds here for way less than the cost of a new one. Far better to jump more than to have a brand new canopy you can't afford to jump!

[sdub2221 0]

making adult decisions suck

[TonyJ 0]

so how did the aad debate come out? tony

[Beerlight 0]

If you are waiting for someone to tell you to purchase the new canopy, then you'll prolly get it here (it's the BonFire).

But, I think you'll make the right decision and pay off the loan..... Good luck....

[sdub2221 0]

Funny you should ask. At the time I did not have the money to buy one. I have the money now, just waiting for the right one to come along and BAM! Im gettin it. There is one now, but I'd rather not buy something that cost 500$ or more and still have to pay for a 4 year. IMO, not very good customer service, and Im sure Ill get critisized for sayin that but oh well... But, I will have one hopefully soon...

[TonyJ 0]

if its a 4 year 500 is great, but if its an eight year, you can usually do better.. also you need to know the man. date as the schedules go by it..so if yo get one thats 5 years old and you do the 4 year, you just lost a year cause its due back in 3 years... cypres + 3 months or cypres 2 +6 months...tony

[sdub2221 0]

It's mainly a timing issue, I had one eyed for about 2 days and it was sold before I could get to the DZ and get some advice... But I see what you mean. BTW, how much does a 4yr cost?

[TonyJ 0]

i think it was 160 plus battery and shipping. if its a cypres 2, no battery cost..i would try to find a used 2 but a good deal on a 1 would be ok...only because the battery replacement...tony

[lisamariewillbe 1]

Test jump a spector, its a nylon orgasm.

Oh but pay off that loan first, and take that money youd have to use for monthly payments to buy jumps and find a good used canopy.

If you have to pay the loan monthly then that cuts into your skydiving money which renders a canopy less worthy if its just packed and stuck in the closet

Sudsy Fist: i don't think i'd ever say this
Sudsy Fist: but you're looking damn sudsydoable in this

[Broke 0]

What's the interest rate on the student loan. YOu can make a good rate of return on an account at prosper.com or if you open an Olander (sp?) account they give you a 1% rate of interest daily. If you put your money into Tirkish Lira you gain there as well as gaining ground on the interest rate. The Iraqi Dinar is good too, as is the Vietnameese Dong. If you can gain more in interest ther than your interest rate on the student loan. Keep the load open and make your money work for you

Divot your source for all things Hillbilly.
Anvil Brother 84
SCR 14192

[akarunway 1]

1600'

I hold it true, whate'er befall;
I feel it, when I sorrow most;
'Tis better to have loved and lost
Than never to have loved at all.