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Buying a new horn
Posted: Fri Nov 21, 2008 9:39 pm
by DaveH
Hello everyone, hope this message finds all of you well. I am an undergraduate looking to buy a horn within the 5-6000 range but the only way I can get the money is if apply for a loan. Sounds simple enough but I dont really have a job right now and wont have the money to pay the loan off while I am in school. I was wondering if you guys had any advice for me and could recommend some lenders that would be sort of forgiving and let me give payments after graduation. Once again thanks to all who read this post. Take care.
David
Re: Buying a new horn
Posted: Fri Nov 21, 2008 9:44 pm
by eupher61
student loan? That's the safest way I can think of. It's certainly part of your educational needs.
Re: Buying a new horn
Posted: Sat Nov 22, 2008 12:18 pm
by Mojo workin'
If you drop out for one semester (this coming semester), no one will think you are a "deadbeat". This will cut your school expenses for that semester to "zero" and delay them until the summer or fall (when you resume school). In late December (as soon as the fall semester ends), you can either get a job or do odd jobs and make the $6000 (more...??) while living with your parents. If you're willing to work outdoors, it isn't difficult at all to find work that pays $80 - $100 day ($400 - $600/wk). Even here in rural western Tennessee, a friend of mine has to pay "reformed" alcoholics $11/hr. to get them to dig/haul/lift/hold/etc. These are people with no cars, no money, no drivers' licenses, and (occasionally) no homes.
$400/wk = $6000 in four months. That's w------a------y better than PAYING OFF an albatross-like $6000 loan over years-and-years of time.
If you still have some "lightweight" classes left in your degree program, you could try to shift all of those to this-coming semester, attend classes, AND work (nights) this-coming semester. One of the better-paying night jobs is being a night security guard or night patrol (vehicle). Over the Christmas holidays, you could strive to get any required training along with a permit to carry a weapon in order to qualify for this type of job.
The worst problem with "student loans" is that most people (when they finish school) have many *NEW* life-related expenses that make paying off "student loans" almost feel as if one is imprisoned - "trapped", at the very least. The very best strategy throughout life is to "pay as you go"...paying cash for all cars, schooling, and even holding off to buy houses until you can pay cash for them. With the current economic climate, this group of statements is truer than ever.
Every word truth.
Lay off the college party scene as well, if you do that. Alcohol can suck the money from your pocket faster than anything if you are not conscious of it. I could have bought an F tuba easily with the money that I blew on booze during my college years.
Can Mom and/or Dad cosign for a loan? That is an admittedly less pleasant possibility, but a possibility nonetheless.
Re: Buying a new horn
Posted: Sat Nov 22, 2008 1:14 pm
by The Big Ben
pejaberg wrote:Find a sugar-momma (or tuba godfather) who can't get her enough tubamaphone!
I know that was made in jest but not a bad idea.
I've heard mention that people have found decent tubas hiding in closets in the music buildings. Ask around. You never know. If you could get a tuba out of a closet and maybe pay a few hundred to get it tuned up, you might be set for awhile. Even if it wasn't 'ideal' (something like a 3v 2340 King), it would get you up and going and you will see if you *really* want to be a tubist.
Ask around to see if there is an older tuba player/professor/professional who may have a unused but suitable tuba that you could borrow or perhaps get on 'rent to own' for awhile. Be creative.
Re: Buying a new horn
Posted: Sat Nov 22, 2008 4:43 pm
by Mike-ICR
This "Tuba godfather" idea is a great one. I got my 4v Salvationist EEb monster bass from a retired music teacher who collected for years. It's 53 years old now, I payed peanuts for it and it plays great! Since buying the horn I've had the opportunity and budget to purchase a shiny new horn. I've tried many over the years and I still stand by my old Salvationist. Just goes to show that big bucks might not mean big sound.
Re: Buying a new horn
Posted: Sat Nov 22, 2008 5:17 pm
by tofu
Re: Buying a new horn
Posted: Sat Nov 22, 2008 10:01 pm
by willbrett
*Edited to remove unnecessary banter in an attempt to unclutter the OP's thread.*
-Brett
Re: Buying a new horn
Posted: Sat Nov 22, 2008 10:49 pm
by The Big Ben
JPNirschl wrote:
Although I am not sure of how the incoming administration will be treating veterans, frankly.
Is that a worm on that hook?
Re: Buying a new horn
Posted: Sun Nov 23, 2008 12:13 pm
by Mojo workin'
Is that a worm on that hook?
No, an alewife. Liberals use worms.
Re: Buying a new horn
Posted: Sun Nov 23, 2008 1:36 pm
by OldsRecording
willbrett wrote:JPNirschl wrote:
Although I am not sure of how the incoming administration will be treating veterans, frankly.
viewtopic.php?f=11&t=9330
I'm not sure what part of this you find confusing, but it seems impossible for you to render one single post without throwing in your right-wing conservative comments.
Also, you're signature... Political affiliation = mental disorder??? Seriously? Who is this guy?
-Brett
So the incoming administration might treat veterans
poorly? Why? Besides, the OP just asked a simple question about buying a horn. I don't think the political commentary in necessary.
Re: Buying a new horn
Posted: Sun Nov 23, 2008 4:07 pm
by oedipoes
can we please keep politics out of this forum?
it's about tuba's, remember....
Re: Buying a new horn
Posted: Sun Nov 23, 2008 5:00 pm
by Mike-ICR
Back on track... If you're lucky enough to find one of these tuba Godfathers they might be willing to lend or rent you a horn until you're done school. I'm sure you're looking for a long-term horn but your chances of purchasing the horn in the future (when you have the money) will be very good. A lot of times these people are happy to see the horn go to a good home. This way you get a descent horn, the Godfather doesn't have to trip over the thing anymore and no student loans! Even if the GF won't sell the horn later at least you know what you like and dislike about the horn.
Re: Buying a new horn
Posted: Sun Nov 23, 2008 7:50 pm
by The Big Ben
JPNirschl wrote:There. I edited my avatar so nobody will be offended.
Those of you who choose to inject politics into everything should consider that 95% of thought is rationalization, anyway.
The reference to the incoming administration's position on the military was only for establishment of thought. I am a veteran, myself. And the idea that VA benefits were to be cut by ANYONE is not a political posture, it's just common sense.
If you'd prefer, I'll leave your midst. Then you needn't worry about my thoughts. But a forum that requires the proof this one does to be called a 'professional' doesn't deserve the effort, quite frankly.
Whatever. I guess you can go hang out at the tire store with James.
