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What to buy with excess student loans? O$AP THREAD

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Sep 18, 2015 8:33 AM
#1

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Oct 2012
4651
Okay guys so my OSAP money just came in for the tuition for the Fine Arts program i'm in and im looking for suggestions on what to buy with $6000 excess.....

Figured that I don't have to pay the loans right away so why not spend now and worry later.

here's some brainstorming i've done...

-Gaming PC/Razer hardware and peripherals
-Macbook pro
-iPhone
-Beats by dre headphones
-Adidas Clothing/Tracksuit/Running shoes/Stan Smiths (Preferably the RAF simmons editions)
-Timberland Boots
-Canada Goose Jacket
-Louis Vuitton Wallet/Belt/Coin Purse
-Jordans
-Blendtec blender
-Professional Grade DSLR camera (To make me instagram famous plus opportunity to meet and take pics of smoking hot girls)
-HBA/Stussy/Supreme exclusive clothing
-Comme Des Garcons/Rag and bone/APC clothing
-Embellish Jeans/Denim
-Underarmor compression gear (Makes me look like I work out a lot.)
-Drake OVO Fall 2015 Collection pieces
-New raptors logo hat/t shirt (gold foil)
-Zanerobe Clothing/Joggers
-Raw Denim
-Herschel Backpack
-Nixon Watches
-24K gold Chain (To wear all day every day)
-Roots clothing
-Nike Elite socks/Stance socks
-Jason Markk Sneaker cleaning kit
-Super high quality bomber jacket
-PS4
-2015 Subaru BRZ (Leased)
-Vape Peripherals
-New Balance Shoes
-these boots: http://www.leatherfoot.com/stc-118-croc-999-classic/dp/2587
-Red wing boots
-Blue Jays Jerseys



any suggestions guys?

Keep in mind I buy 2 chipotle burritos every day and too many starbucks cards and boba tea to keep count of so remember the budget.

also gonna be using some of the money to drink and party and smoke on campus
Star_BoyOct 10, 2015 1:10 AM
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Sep 18, 2015 8:41 AM
#2

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Aug 2012
6898
an expensive watch so you can have the full 'how to basic' starter pack
Sep 18, 2015 8:42 AM
#3

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Oct 2014
15248
Don't you have to pay those back? I've heard that some people still haven't payed back their student loans on their deathbed and they feel bad about it. Are you sure you're doing the right thing?
Sep 18, 2015 8:43 AM
#4
*hug noises*

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May 2013
31429
Hookers
Sep 18, 2015 8:50 AM
#5
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Jul 2018
564536
Maybe shit that actually is absolutely necessary for your education.

HaXXspetten said:
Hookers
Lol might as well
Sep 18, 2015 8:58 AM
#6

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Oct 2012
4651
Starchaser187 said:
Maybe shit that actually is absolutely necessary for your education.

HaXXspetten said:
Hookers
Lol might as well


definitely necessary for my education
Sep 18, 2015 9:06 AM
#7

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Aug 2010
2406
Tsuyuu said:
Okay guys so my OSAP money just came in for the tuition for the Fine Arts program i'm in and im looking for suggestions on what to buy with $6000 excess.....

Figured that I don't have to pay the loans right away so why not spend on useless overpriced junk now and worry later.

here's the previous stuff i've bought with my student loans over the past years:

-Gaming PC
-Macbook pro
-iPhone
-Beats by dre headphones
-Canada Goose Jacket
-Jordans
-Blendtec blender
-Obey/Stussy/Supreme exclusive clothing
-Drake OVO Fall 2015 Collection pieces
-New raptors logo hat/t shirt (gold foil)
-Roots clothing
-PS4


any suggestions guys?

Keep in mind I buy 2 chipotle burritos every day and too many starbucks cards to keep count of so remember the budget.

Put it into investment so you don't have a hard time paying it off when you need to. Or learn to trade on the stock market
Sep 18, 2015 9:07 AM
#8

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Oct 2012
4651
ThRippJck said:
Tsuyuu said:
Okay guys so my OSAP money just came in for the tuition for the Fine Arts program i'm in and im looking for suggestions on what to buy with $6000 excess.....

Figured that I don't have to pay the loans right away so why not spend on useless overpriced junk now and worry later.

here's the previous stuff i've bought with my student loans over the past years:

-Gaming PC
-Macbook pro
-iPhone
-Beats by dre headphones
-Canada Goose Jacket
-Jordans
-Blendtec blender
-Obey/Stussy/Supreme exclusive clothing
-Drake OVO Fall 2015 Collection pieces
-New raptors logo hat/t shirt (gold foil)
-Roots clothing
-PS4


any suggestions guys?

Keep in mind I buy 2 chipotle burritos every day and too many starbucks cards to keep count of so remember the budget.

Put it into investment so you don't have a hard time paying it off when you need to



How am I gonna be cool on campus then?
Sep 18, 2015 9:08 AM
#9

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Aug 2010
2406
Tsuyuu said:
ThRippJck said:

Put it into investment so you don't have a hard time paying it off when you need to



How am I gonna be cool on campus then?

Buying things that you get from the interest on the investments or capital gains from trading

Nobody really gives a shit about what you've got in college/uni because they don't have the time to look at what you have
Sep 18, 2015 9:10 AM

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Jun 2014
12856
Hire a part-time tutor so you can work towards getting a first class degree. Then $$$ will roll in afterwards
All credit goes to Sacred.
Sep 18, 2015 9:15 AM

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Oct 2012
4651
ThRippJck said:
Tsuyuu said:



How am I gonna be cool on campus then?

Buying things that you get from the interest on the investments or capital gains from trading

Nobody really gives a shit about what you've got in college/uni because they don't have the time to look at what you have



They definitely notice what you're wearing at club meetings

plus gotta maintain that nightlife.
Sep 18, 2015 9:16 AM

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May 2015
390
Half-Life 3.
Sep 18, 2015 9:24 AM

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Oct 2012
4651
might buy the "new 3ds" as well
Sep 18, 2015 9:29 AM

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Oct 2012
4651
guys cmon help me in on this one
Sep 18, 2015 9:33 AM

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Dec 2013
4555
Get laid, get paid, gatorade. Exept thats fucking stooped. Go buy a hooker and lose your virginaty, ayy shots fired.

I was just joking muh man, spend it on some cultural shit tickets to a concert, or theater/musical
Sep 18, 2015 9:35 AM

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Aug 2013
15696
Having fun because once its over you'll be thousands in debt regardless. Hookers man.

- previous student who made lots of mistakes
SpooksSep 18, 2015 9:42 AM
Sep 18, 2015 9:41 AM

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Jul 2007
5253
Go and see some of the world.
Sep 18, 2015 9:46 AM

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Dec 2013
4555
Spooks_McBones said:
Having fun because once its over you'll be thousands in debt regardless. Hookers man.

- previous student who made lots of mistakes


As always laying down the truth~
Sep 18, 2015 10:15 AM

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Aug 2015
53
ThRippJck said:
Tsuyuu said:



How am I gonna be cool on campus then?

Buying things that you get from the interest on the investments or capital gains from trading

Nobody really gives a shit about what you've got in college/uni because they don't have the time to look at what you have


Definitely agree with this. No one really gives a fuck.
Sep 18, 2015 10:19 AM

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Nov 2014
5001
-Gaming PC
-Macbook pro
-iPhone
-Beats by dre headphones
-Canada Goose Jacket
-Jordans

-Blendtec blender
-Obey/Stussy/Supreme exclusive clothing
-Drake OVO Fall 2015 Collection pieces
-New raptors logo hat/t shirt (gold foil)
-Roots clothing

-PS4
Sep 18, 2015 1:23 PM
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Jul 2018
564536
Savings account.
Sep 18, 2015 1:26 PM

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Dec 2011
408
OP, based on your signature, you undoubtedly have a more than capable gaming PC. Being a man of excellent component taste, WHY WOULD YOU WANT A MACBOOK!
Sep 18, 2015 1:39 PM

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Jan 2015
3111
If you absolutely feel the need to waste the money, then i would say a gaming PC 1.5k or so on it is plenty. Then honestly save the rest for other shit, dont be stupid.
"Make it flashier!" -Maid Chou Anime List
Sep 18, 2015 2:31 PM
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Jul 2018
564536
If I had $6000 excess I would think how to spend them most reasonably.
By this I mean spend money on something you NEED, not that you want.
Of course everyone loves nice clothing, footwear etc.. but unless fashion
is not your way of life, there is absolutely no reasons to waste even excess
money on overpriced exclusives. Think of it, you might find better use
for your money and buy something that could be considered as investment.

From your list I'm choosing Macbook Pro
(though no way it can be an investment,
they're one of the best laptops around)
removed-userSep 18, 2015 2:37 PM
Sep 18, 2015 2:32 PM

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Jan 2014
797
Keep the money. You don't know that you might need it someday
Sep 18, 2015 2:32 PM

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Jun 2011
4455
Maybe save it so you can pay back the loan when you graduate? And if you already got that covered then save it for emergencies.

Sep 18, 2015 2:33 PM

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Jan 2013
11950
Save it to repay the mountain of debt you'll own?
Sep 18, 2015 9:32 PM

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Oct 2012
4651
kuuderu said:
If I had $6000 excess I would think how to spend them most reasonably.
By this I mean spend money on something you NEED, not that you want.
Of course everyone loves nice clothing, footwear etc.. but unless fashion
is not your way of life, there is absolutely no reasons to waste even excess
money on overpriced exclusives. Think of it, you might find better use
for your money and buy something that could be considered as investment.

From your list I'm choosing Macbook Pro
(though no way it can be an investment,
they're one of the best laptops around)


thanks for the suggestion

currently own a 2013 macbook pro 13' which is serving me well.
Sep 18, 2015 9:37 PM

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Jun 2012
12247
aikaflip said:
-Gaming PC
-Macbook pro
-iPhone
-Beats by dre headphones
-Canada Goose Jacket
-Jordans

-Blendtec blender
-Obey/Stussy/Supreme exclusive clothing
-Drake OVO Fall 2015 Collection pieces
-New raptors logo hat/t shirt (gold foil)
-Roots clothing

-PS4
You want him to go to school unclothed? That would certainly turn some heads, as that's what he's after.
Tsuyuu said:
might buy the "new 3ds" as well
People don't find that cool, only nerds and closet nerds will appreciate it, and if you're either of those you shouldn't be worrying about these things.
Sep 18, 2015 9:47 PM

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Jan 2015
3111
Cifaretto said:
Tsuyuu said:
might buy the "new 3ds" as well
People don't find that cool, only nerds and closet nerds will appreciate it, and if you're either of those you shouldn't be worrying about these things.


LMFAO speak for yourself. Most people like the DS still. It was more used by popular people in my high school senior class than anyone else.
"Make it flashier!" -Maid Chou Anime List
Sep 18, 2015 9:48 PM

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Oct 2012
4651
might finance for subaru brz as well but idk yet...
Sep 18, 2015 9:50 PM
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Sep 2013
1811
FireEmblemIke24 said:
Hire a part-time tutor so you can work towards getting a first class degree. Then $$$ will roll in afterwards


why would you need a tutor for a fine arts program

also you have to pay osap back
bbrianSep 18, 2015 9:57 PM
Sep 18, 2015 10:00 PM

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Oct 2012
4651
amazingbrian said:
FireEmblemIke24 said:
Hire a part-time tutor so you can work towards getting a first class degree. Then $$$ will roll in afterwards


why would you need a tutor for a fine arts program

also you have to pay osap back


im not gonna think of paying O$ap in like 5 years
Sep 18, 2015 10:13 PM

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Jun 2012
12247
Dawnslicer said:
Cifaretto said:
People don't find that cool, only nerds and closet nerds will appreciate it, and if you're either of those you shouldn't be worrying about these things.


LMFAO speak for yourself. Most people like the DS still. It was more used by popular people in my high school senior class than anyone else.
You must live in some bootleg fantasy land, because that is NOT cool.
I knew nerdy kids in highschool who thought that, but you can bet your bottom dollar they would never dare to let mention of the DS escape their breath when among those of higher caste.
Tsuyuu said:
might finance for subaru brz as well but idk yet...
Is it a commuting college?
If not, I would think twice on that. A wise man would spend no more than a tenth of his annual income on transportation.
I wouldn't suggest leasing a sportscar, but making a great investment in something so early on in your life, especially something that will depreciate quickly, is not the safest option.
And if you really want a Brz, there might come a time where you're confident enough in yourself to have work done on it, you could end up throwing all the money you've got at a bottomless pit with a six year high interest loan, strive for greater than financial mediocrity.
OchimushaSep 18, 2015 10:19 PM
Sep 18, 2015 10:16 PM

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Jul 2012
48250
Donate it to Mayuka's Yaoi fund. I appreciate the support.
Sep 18, 2015 10:18 PM

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Mar 2014
4339
Music, support your favorite artists by buying their stuff if you dont already.
Sep 18, 2015 10:19 PM

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Oct 2012
4651
mayukachan said:
Donate it to Mayuka's Yaoi fund. I appreciate the support.


that's not gonna make me cool though
Sep 18, 2015 10:20 PM

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Sep 18, 2015 10:20 PM

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BakastreetBoys said:
Music, support your favorite artists by buying their stuff if you dont already.
He mentioned Drake.
Sep 18, 2015 10:23 PM

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Mar 2014
4339
Cifaretto said:
BakastreetBoys said:
Music, support your favorite artists by buying their stuff if you dont already.
He mentioned Drake.
Can you not? Now this is totally embarrassing for me.
Sep 18, 2015 10:28 PM

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Jun 2012
12247
From my perspective, you would probably be seen as a lot cooler of a guy if you took a year or two off and got a 9-5 job, not only that, you could build some connections and level your head for prospective careers once you've got your degree.

You wouldn't have to be living off cup noodles, burritos, and party foods or whatever you're planning for, and buying a Brz that you could shamelessly show off without the guilt of crippling debt would be a reality.
People are attracted to independence, you need to pull yourself up by the bootstraps and become a real closer.

It's going to be more troubling shacking your student loan burden back up with your parents for who knows how long in five years than the year you'll be missing out, building a future for yourself.
Sep 18, 2015 10:38 PM
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Sep 2013
1811
Tsuyuu said:
amazingbrian said:


why would you need a tutor for a fine arts program

also you have to pay osap back


im not gonna think of paying O$ap in like 5 years


why nigga
Sep 18, 2015 10:48 PM

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Jul 2015
3151
a gf save it, to then pay back your student loans
Sep 18, 2015 10:52 PM

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Jan 2013
11950
Tsuyuu said:
mayukachan said:
Donate it to Mayuka's Yaoi fund. I appreciate the support.


that's not gonna make me cool though


We are well past the point of that ever happening.
Sep 18, 2015 10:55 PM

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Jan 2014
3880
Get somebody to take out a life insurance policy on you, hire a hitman with the loan money. Get hitman to fake your death, split he life insurance many with the other person. you also don't have to pay back the loan.
I love Christine

"If one advances confidently in the direction of his dreams, and endeavors to live the life which he has imagined, he will meet with a success unexpected in common hours. He will put some things behind, will pass an invisible boundary; In proportion as he simplifies his life, the laws of the universe will appear less complex, and solitude will not be solitude, nor poverty poverty, nor weakness weakness." - Henry David Thoreau


Sep 19, 2015 8:36 AM

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Oct 2012
4651
RedArmyShogun said:
Tsuyuu said:


that's not gonna make me cool though


We are well past the point of that ever happening.


im pretty cool already tho, just gotta maintain my popularity at school.
Sep 21, 2015 1:53 AM

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Oct 2012
4651
anyone got any advice?
Sep 21, 2015 2:00 AM

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Mar 2014
6347
Use it to buy a brain, if you can.
[i]"Yet each man kills the thing he loves,
By each let this be heard,
Some do it with a bitter look,
Some with a flattering word,
The coward does it with a kiss,
The brave man with a sword!''
~Oscar
[/i]
Sep 21, 2015 2:38 AM

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Sep 21, 2015 6:24 AM

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Oct 2012
4651
Ardanaz said:
Buy a ton of overpriced figurines.


again, not gonna make me popular at school... maybe towards the otaku but then again no one gives a rats ass about those subhumans
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