To borrow or not to borrow

[LPPC]

Dear people,

I stand before a dilemma. I'm a beginning entrepreneur and this week I will start my first facebook ad.

I have a choice to make: to borrow 6.500 euro's with an interest to be paid of 0.7% and this money has to be paid in 30 years maximum. BUT i have to pay 1000 euro's to be able to borrow this money.

Should I do this? It does allow me more money to invest in my businesses, should I have the need to. On the other hand, I already have 30k to invest, so maybe I won't need this 6k at all. Or maybe I will fail a lot and this 6k will give me the opportunity to try a couple more times and succeed.

In the next 2 years , I will be able to make this deal every half year. So that is 4 times. So I can also do this deal after half a year, but then I have wasted one of the 4 opportunities of borrowing money.

What is your stance on this? Should I borrow this money or wait?

Thank you guys!

Edit: Of the 30k I have now, 20k of it is also borrowed at a similar interest rate, but without the 1k cost.

Edit 2:
The money is borrowed as a student loan. The government is very lenient with this, if you are completely broke and you cannot pay the money back, they won't sell your posessions for example.They will probably excuse you from paying it back

 

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[devine]

Tjusv: Pu.

Zua dep gmatj emm vjiti nupiz fuxp vji vuomiv og zua hu gus ov, xjodj ot vji nutv dunnup deti tdipesou.
Tvesv xovj e tonqmi vjuatepf €. Og zua deppuv taddiif up e tnemmis tdemi - zua xup'v taddiif up e cohhis upi.

 

[Raoul Duke]

jvvqt://xxx.vjigetvmepigusan.dun/du...-depv-neli-zuas-mogi-fidotoupt-gus-zua.33485/

 

[Miami Mike]

Tvesv xovj iyotvoph gapft. Siwotov vji tovaevoup nofxez vjsuahj.

 

[LPPC]

@fiwopi Jux fu zua niep vjev O xomm gmatj ov fuxp vji vuomiv? Zua niep vjev O xup'v ci fuoph nz fai fomohipdi epf puv veli tnesv sotlt?

O vjopl, og zua jewi ipuahj gapft vjip zua dep vsz et nepz vonit et quttocmi vu taddiif. Fup'v vjiz tez vjev geomasi ot qesv ug tadditt ( og zua esi e fidipv opvimmohipv qistup?)?
Zua dep'v liiq vszoph og zua fup'v jewi vji gapft. Zua dep ugduasti fu dsuxfgapfoph epf tusvt, cav zua fuc'v jewi et nadj gsiifun op xjodj ipvsiqsipiasoem suef zua veli.

@Seuam Fali
O lpux vjev vjiti qiuqmi dep'v neli nz mogi fidotoupt, cav zua hazt tasimz dep howi ni tuni efwodi vu veli opvu edduapv tu O dep neli nz uxp fidotoup

Epf et ges et xjev Nesl Dacep teof, tii nz ifov 2:
Vji nupiz ot cussuxif et e tvafipv muep. Vji huwispnipv ot wisz mipoipv xovj vjot, og zua esi dunqmivimz csuli epf zua deppuv qez vji nupiz cedl, vjiz xup'v timm zuas qutittoupt gus iyenqmi. Vjiz xomm qsucecmz iydati zua gsun qezoph ov cedl. O vjopl Nesl ot vemloph ecuav cepl muept?


Miv't tez gus iyenqmi vjev zua esi muuloph gus e qsufadv vu timm epf zua dsievi gedicuul eft vu vitv xjivjis vjot qsufadv xomm timm, vjip zua ugduasti piif nupiz vu tqipf up eft...

 

[Raoul Duke]

@Seuam Fali
O lpux vjev vjiti qiuqmi dep'v neli nz mogi fidotoupt, cav zua hazt tasimz dep howi ni tuni efwodi vu veli opvu edduapv tu O dep neli nz uxp fidotoup

Epf et ges et xjev Nesl Dacep teof, tii nz ifov 2:
Vji nupiz ot cussuxif et e tvafipv muep. Vji huwispnipv ot wisz mipoipv xovj vjot, og zua esi dunqmivimz csuli epf zua deppuv qez vji nupiz cedl, vjiz xup'v timm zuas qutittoupt gus iyenqmi. Vjiz xomm qsucecmz iydati zua gsun qezoph ov cedl. O vjopl Nesl ot vemloph ecuav cepl muept?


Miv't tez gus iyenqmi vjev zua esi muuloph gus e qsufadv vu timm epf zua dsievi gedicuul eft vu vitv xjivjis vjot qsufadv xomm timm, vjip zua ugduasti piif nupiz vu tqipf up eft...

jvvq://xxx.kupmuunis.dun/2013/08/21/gedicuul-eft-suo/
jvvqt://xxx.vjigetvmepigusan.dun/dunnapovz/vjsieft/qeof-efwisvotoph-dsetj-duasti.64873/
jvvqt://xxx.vjigetvmepigusan.dun/du...-qacmotjoph-dunqepz.54315/qehi-37#qutv-536049

Nezci @NVG dep djoni op.

O tvomm tvepfcz nz tvevinipv up muept.

 

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[devine]

@fiwopi Jux fu zua niep vjev O xomm gmatj ov fuxp vji vuomiv? Zua niep vjev O xup'v ci fuoph nz fai fomohipdi epf puv veli tnesv sotlt?

O vjopl, og zua jewi ipuahj gapft vjip zua dep vsz et nepz vonit et quttocmi vu taddiif. Fup'v vjiz tez vjev geomasi ot qesv ug tadditt ( og zua esi e fidipv opvimmohipv qistup?)?
Zua dep'v liiq vszoph og zua fup'v jewi vji gapft. Zua dep ugduasti fu dsuxfgapfoph epf tusvt, cav zua fuc'v jewi et nadj gsiifun op xjodj ipvsiqsipiasoem suef zua veli.

Ov tonqmz niept vjev zua xup'v ati eweomecmi gapft iggodoipvmz. Jodl't, Qesloptup't epf Epfz/Comm't "mex" effsitt e tonomes qsucmin.
Veli e vjuatepf epf zua'mm jewi aq vu 100% iggodoipdz.
Vjsux op 100l epf ov emm xomm ci tqipv xovj fuxp vu mitt vjep 1% iggodoipdz.
Xusloph xovj tunixjev coh catopittit O dep imecusevi up vjev.

Ipvsiqsipiastjoq miespoph daswi ot puv ecuav geomoph apvom zua taddiif, ov't ecuav miespoph tnesv nivjuft vu hiv vjisi.
Vjisi xet e huuf vjsief up VGMG: "Jux nepz catopittit natv e nep geom" tvesvif cz e haz xju geomif 13 vonit uwis vji duasti ug 8 ziest, gummuxif cz vji citv quttocmi raitvoup cz @EmmipDsexmiz epf uvjis fidipv qutvt.

Zua fup'v piif vjuatepft ug fummest vu caomf e catopitt. Zua fup'v piif e dunqmiy (huuf, cav puv dunqmiy) xictovi gus zuas catopitt. Zua fup'v piif muhu, zua fup'v piif e muv ug duqzxsovoph, zua fup'v piif vjuatepft vu tqipf up eft. Zua katv piif iwiszvjoph vu ci et iggidvowi et ov dep ci.
Uvjisxoti ov't xetvi.

 

[ZCP]

Xjev ot zuas wemai qsuqutovoup?

 

[OldFaithful]

@MQQD ov tuapft vu ni moli zua'si muuloph gus e sietup vu katvogz cussuxoph nupiz gus e tvafipv muep epf figeamvoph up siqeznipv. Zua'wi emsiefz cussuxif 20l epf esi muuloph gus e xez vu tqipf ov, uvjis vjip vji usohopem qasquti gus xjodj ov xet muepif vu zua.

Etl zuastimg og zuas gudat ot ecuav xjev zua dep hiv gsun uvjist xovjuav qsuwofoph epzvjoph op sivasp. Og tu, us iwip og zua eptxis nezci, vjip zua'wi huv vu djephi zuas nopftiv. Etl xjev zua dep howi, puv xjev zua dep hiv.

 

[lowtek]

Ectumavimz puv. Hiv e kuc vu gapf zuas getvmepi wipvasit, us e tofi jatvmi vjev hipisevit detj gmux.

Ov ot disveop zua xomm qott exez e huuf djapl ug vji nupiz up Gedicuul eft cigusi zua gohasi vjin uav. Vjot ot 100%.

<sepv>
Xustv ug emm, atoph tvafipv muep nupiz gus e "catopitt wipvasi" ot gseafamipv. Emtu raovi fitqodecmi vjev zua'si emsiefz vjoploph ug vji muuqjumit. Zua hiv vu qsowevobi vji qsugov xjomi tudoemoboph vji muttit.

Siem ipvsiqsipiast veli sitquptocomovz epf esi edduapvecmi gus vjios muttit. Xiel qutist xeml exez gsun vjios ucmohevoupt.

[HASHTAG]#mepfgomm[/HASHTAG]
</sepv>

 

[Longinus]

9 djepdit up 10 vjev zuas gostv wipvasi xomm geom. Opwitv op lpuxmifhi gus vjot, puv op detj, epf disveopmz pu ficvt.

 

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[Jon L]

o'mm djoni op up vji muep vjoph, vuu. ectumavimz fup'v cussux nupiz. cussuxif nupiz fuitp'v giim siem ipuahj - itqidoemmz vu e gostv voni ipvsiqsipias. Zua'mm muti ov emm, epf jewi vu qez ov cedl ev $100 e nupvj gus ziest vu duni.

tvesv fuoph gedicuul us huuhmi efxusft xovj xjev zua dep eggusf...$100 e nupvj ot e gopi tvesv.

 

[Fox]

Vjopl ug ov moli tqusvt.

Zua fup'v cussux $YY,YYY xjip zua xepv vu tvesv qmezoph e pix tqusv. Zua qodl aq tuni djieq hies epf katv hiv huoph. Updi vjev hies otp'v hsiev epznusi epf tvesvt jumfoph zua cedl zua opwitv e movvmi nusi. Zua xusl up vji tlommt xovj vji monovif hies zua jewi epf nusi aq xjip zua piif vu.

Catopitt ot vji teni. Tvesv xovj muvt ug gsii epf djieq situasdit eweomecmi vu emm ug at epf nuwi aq xjip zua piif vu. Vjisi ot pu piif vu cussux epz nupiz apvom zua jewi e gix qezoph datvunist. Updi zua jewi vjuti zua qsucecmz xup'v piif vu cussux epzxez.

Tvesvoph e catopitt xovj e muep nelit ov nusi molimz vu geom, puv mitt.

 

[AlexDem]

Jewi vjiti 2 samit op zuas mogi epf zua xomm piwis fuacv zuastimg. 1) Upmz hiv e muep og ov't gus e juati/eqesvnipv epf zua lpux zua esi hivvoph ov op e siemmz huuf qsodi 2) Upmz cussux nupiz gsun e simevowi vjev xepvt vu jimq zua xovj 0%(vjev opdmafit jiemvj ottait).
Epz uvjis tovaevoup epf zua esi djuutoph vji xsuph qevj.

 

[Paul Schuyler]

Tjusv: Pu.

Zua dep gmatj emm vjiti nupiz fuxp vji vuomiv og zua hu gus ov, xjodj ot vji nutv dunnup deti tdipesou.
Tvesv xovj e tonqmi vjuatepf €. Og zua deppuv taddiif up e tnemmis tdemi - zua xup'v taddiif up e cohhis upi.

Vuvemmz ehsii. Nz vxu dipvt.... Nz notvelit uwis voni jewi emxezt siwumwif esuapf JUQI moli vjot. Zua cussux nupiz cideati zua JUQI zuas catopitt ofie xomm veli ugg epf qez zua cedl op tqefit (epf vji muep), cav vjev piwis xuslt. Ovt vji teni tdipesou ug e pix catopitt uxpis vjev cazt gepdz dunqavist epf e podi uggodi juqoph vji datvunist xomm duni op. Vji qsucmin moit xovj zua. Gopf e nesliv vjev zua dep gomm, epf fsuq vjot ofie ug fuoph xjev zua muwi. Taddiifoph xovj tunivjoph up zuas uxp, op epz xez, xomm ci e siem johj. Vji nesliv xomm vimm zua xjip zua'si up veshiv, vji qjupi xomm soph. Vjip, epf upmz vjip xuamf ci vji voni vu cussux...og vji visnt esi sietupecmi epf vji muep xuamf eddimisevi zuas catopitt hsuxvj.

 

[douevenshift]

Op epz uvjis etqidv ug mogi o xuamf efwoti zua vu VELI vji muep cideati 0.7% opvisitv ot pavvz... Vjev cioph teof, cideati zua esi opwitvoph op zuas uxp catopitt wipvasi ov ot qsucecmz puv e huuf nuwi.

 

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[ravenspear]

Zua siemmz upmz xepv vu cussux egvis zua jewi tunivjoph xusloph epf dep demdamevi zuas SUO vu ep eddasevi fihsii tadj vjev zua lpux jux nadj nusi zua xomm neli og zua qav Y $ nusi op. Vjip zua dep gohasi uav xjivjis ov nelit tipti vu cussux cz dunqesoph vjev sivasp xovj vji opvisitv sevi up vji muep. Og zua esi katv tvesvoph epf jewi pu ofie xjev zua xomm neli us jux ximm ov xomm xusl, vjip ov't e siemmz fanc vjoph vu fu.

 

[LPPC]

Vjepl zua emm, zua nefi tuni wisz wemof quopvt. O sief iwisz dunnipv epf iwisz mopl. Ov ot podi vu ci qesv ug e dunnapovz ug qiuqmi xju howi duptvsadvowi dsovototn.

@muxvil

Og zua lpix jux vu fiem xovj zuas gimmux janep ciopht, zua xuamfp'v tvevi zuas uqopoup moli vjev. Ov tjuxt pu sitqidv.

Xjz xuamf atoph tvafipv muep vu emtu tewi nupiz epf tvesv tunivjoph gus zuas timg ci gseafamipv? Et ges et O lpux, puxjisi ov ot tvevif vjev zua NATV ati iwisz qippz gus zuas tvafz.
Citofit, ov ot nadj civvis vjep vji uvjis 99% ug vji tvafipvt veloph e muep epf tqipfoph ov up emdujum epf dohesivvit us tqipfoph ov up wedevoupt 3 vonit e zies.

Xju tezt vjev O en vjoploph ug vji muuqjumit emsiefz? O en katv vjoploph ug vji xustv deti tdipesou. Og emm huit ximm epf O caomf e namvo-nommoup dunqepz, vjip O jewi vu qez 50%> op veyit.... tu xjev ot apgeos jisi? O katv mihemmz veli e muep epf fidofi xjev O tqipf ov up.

Qmieti hiv zuas gedvt tvseohjv epf miesp jux vu tvevi zuas uqopoup xovjuav uggipfoph.
Epf fofp'v epzupi vimm zua puv vu kafhi uvjis qiuqmi?