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Updated on: 13 Apr 2022, 20:21
Originally posted by sianpokpok on 10 Aug 2020, 20:07.
Last edited by sianpokpok on 13 Apr 2022, 20:21, edited 3 times in total.
Last edited by sianpokpok on 13 Apr 2022, 20:21, edited 3 times in total.
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10 Aug 2020, 20:15
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I got a scholarship but I still have to get money for living expenses and my parents gave me some funds without any payback. It was a few thousand only so it wasn’t a substantial amount but that’s all they could give me and it was quite a bit for them.
It’s a different culture so they did not expect me to pay them back and probably would be somewhat confused or even offended if I tried to. For example they got offended when I moved out and started living on my own ?
Anyway, getting money from family is very common. The cost of borrowing for them is a lot less than for someone who’s just starting out their career. Many parents and getting loans on their houses such as taking a mortgage or Tappan to other funding sources to finance their kids education. It’s not uncommon for family to help with funding. I would say it’s pretty common.
In terms of your guilt, how about offering to match their retirement accounts return rate? For example every year you can check for what the return rate had been between July 2020 and July of that year and use that rate for the next 12 months to calculate your payments and Interest. It will be a little trickier calculation then just flat 5% but it would be very fair since you would be compensating them the lost earnings they could’ve gotten. What do you think about that?
PS. Hopefully you will be making enough money to pay them back with a short period of time. ?
Posted from my mobile device
It’s a different culture so they did not expect me to pay them back and probably would be somewhat confused or even offended if I tried to. For example they got offended when I moved out and started living on my own ?
Anyway, getting money from family is very common. The cost of borrowing for them is a lot less than for someone who’s just starting out their career. Many parents and getting loans on their houses such as taking a mortgage or Tappan to other funding sources to finance their kids education. It’s not uncommon for family to help with funding. I would say it’s pretty common.
In terms of your guilt, how about offering to match their retirement accounts return rate? For example every year you can check for what the return rate had been between July 2020 and July of that year and use that rate for the next 12 months to calculate your payments and Interest. It will be a little trickier calculation then just flat 5% but it would be very fair since you would be compensating them the lost earnings they could’ve gotten. What do you think about that?
PS. Hopefully you will be making enough money to pay them back with a short period of time. ?
Posted from my mobile device
