\nPentru a-\u015fi pl\u0103ti taxele de \u015fcolarizare, mai mul\u0163i studen\u0163i americani apeleaz\u0103 la un nou instrument de finan\u0163are, mai pu\u0163in obi\u015fnuit. Practic, prin intermediul unui broker, studen\u0163ii v\u00e2nd obliga\u0163iuni c\u0103tre fondurile de investi\u0163ii, potrivit Bloomberg.<\/p>\n
\nPublica\u0163ia american\u0103 scrie povestea unei tinere pe nume Amy Wroblewski care \u015fi-a v\u00e2ndut o bucat\u0103 din viitor pentru a-\u015fi pl\u0103ti educa\u0163ia. <\/p>\n
\nAstfel, \u00een fiecare lunp, pentru 8 ani \u015fi jum\u0103tate, ea trebuie s\u0103 dea un procent din salariu c\u0103tre investitori. Ast\u0103zi, la un an dup\u0103 absolvire, Wroblewski c\u00e2\u015ftig\u0103 50.000 de dolari pe an \u00eentr-o carier\u0103 de resurse umane \u00een Winchester, Virginia \u015fi pl\u0103te\u015fte circa 279 dolari pe lun\u0103 – mai pu\u0163in dec\u00e2t rata la ma\u015fin\u0103.<\/p>\n
\nDac\u0103 t\u00e2n\u0103ra de 23 de ani reu\u015fe\u015fte s\u0103 ajung\u0103 printre cei mai buni oameni din domeniu, ar putea ajunge s\u0103 pl\u0103teasc\u0103 dublu. Dac\u0103 \u00ee\u015fi pierde locul de munc\u0103, ea nu trebuie s\u0103 mai pl\u0103teasc\u0103 nimic, iar investitorii a\u015fteapt\u0103 p\u00e2n\u0103 c\u00e2nd \u00ee\u015fi va g\u0103si din nou un loc de munc\u0103.<\/p>\n
\nWroblewski a \u00eenchieat \u00een\u0163elegerea de finan\u0163are c\u00e2nd era student\u0103 la Purdue University \u00een West Lafayette, Indiana. \u00cen loc s\u0103 aleag\u0103 un credit bancar pentru a-\u015fi finan\u0163a diploma \u00een strategie \u015fi management orgniza\u0163ional, ea a ales instrumentul numit ISA (n.r: income-sharing agreement), prin care este de acord s\u0103 dea o parte din veniturile ei viitoare c\u0103tre un investitor.<\/p>\n
\nMama ei lucreaz\u0103 drept chelneri\u0163\u0103, \u00een timp ce tat\u0103l s\u0103u este inspector pentru controlul calit\u0103\u0163ii la o reprezentan\u0163\u0103 auto. \u00cen timpul cursurilor ea avea mereu cel pu\u0163in dou joburi part-time \u00een acela\u015fi timp, lucr\u00e2nd ca asistent de profesor universitar, casier la Target \u015fi angajat sezonier la Amazon. Ea chiar a ajuns vicepre\u015fedinte \u00eentr-un business studen\u0163esc numit Delta Sigma Pi.<\/p>\n
\nAceste calit\u0103\u0163i au impresionat o companie numit\u0103 Vemo Education, care verific\u0103 studen\u0163ii de la mai multe universit\u0103\u0163i pentru a garanta \u00een fa\u0163a investitorilor.<\/p>\n
\nAmericanii au \u00een total datorii de 1.500 miliarde de dolari din \u00eemprumuturi studen\u0163e\u015fti, o povar\u0103 care apas\u0103 pe economia americanilor.<\/p>\n
\n <\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Pentru a-\u015fi pl\u0103ti taxele de \u015fcolarizare, mai mul\u0163i studen\u0163i americani apeleaz\u0103 la un nou instrument de finan\u0163are, mai pu\u0163in obi\u015fnuit. Practic, prin intermediul unui broker, studen\u0163ii v\u00e2nd obliga\u0163iuni c\u0103tre fondurile de investi\u0163ii, potrivit Bloomberg. Publica\u0163ia american\u0103 scrie povestea unei tinere pe nume Amy Wroblewski care \u015fi-a v\u00e2ndut o bucat\u0103 din viitor pentru a-\u015fi pl\u0103ti educa\u0163ia. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,530],"tags":[10254,82,10358,472,7708,183,16400,369,93,7900,106,4878],"class_list":["post-170850","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-analize","tag-absolventi","tag-bani","tag-facultate","tag-finantare","tag-fonduri-de-investitii","tag-imprumut","tag-liceu","tag-obligatiuni","tag-plati","tag-studenti","tag-sua","tag-vanzare"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/170850","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=170850"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/170850\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=170850"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=170850"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=170850"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}