Author Topic: What would you do with a small loan of $1 million?  (Read 12136 times)

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Offline LunarisDream

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What would you do with a small loan of $1 million?
« on: Thu, 05 May 2016, 04:12:57 »
I'd like to think that I would invest it wisely but truth be told I'd probably blow through most of it in a year and then be sad.

Edit: A loan from a close and trusted individual who is very, very lenient about the terms of the loan and how you can pay it back. But still a loan.
« Last Edit: Fri, 06 May 2016, 14:37:24 by LunarisDream »

Offline Olumin

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Re: What would you do with a small loan of $1 million?
« Reply #1 on: Thu, 05 May 2016, 04:24:25 »
I cant think of what I would do with it, that's a pretty much impossible question to answer accurately if you hadn't made the experience with that amount of money in the past. I'd probably put it on a bank account I couldn't access and never spend it, or put it towards a project I support (not charity). It is generally not a good idea to just give money to people who wouldn't be able to manage it properly, because of lack in experience with these kinds of situations. It is no coincidence the the company's that fail most often are the ones who where well-funded and started out with relatively big amounts on money, not the ones who stated with 20 dollars and made it into an empire, these are the ones that still exist, because they know who to handle money properly.

EDIT: I understood the therm "loan" wrong, I'm German sorry, I thought it meant gift. I would not take a loan, especially not a million dollars. Anything I said past my second sentence is still valid.
« Last Edit: Thu, 05 May 2016, 12:40:09 by Olumin »

Offline nmur

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Re: What would you do with a small loan of $1 million?
« Reply #2 on: Thu, 05 May 2016, 04:25:34 »
buy all red GMK esc's

Offline Jokrik

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Re: What would you do with a small loan of $1 million?
« Reply #3 on: Thu, 05 May 2016, 04:37:14 »
Buy first class ticket to the States, attend Keycon 2016, profit
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Offline chyros

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Re: What would you do with a small loan of $1 million?
« Reply #4 on: Thu, 05 May 2016, 05:08:11 »
Start an enterprise, go into multi-billion dollar debt, get bailed out several times, get gigantic inheritance, claim you only ever got a small loan of a million dollars, run for president.
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Offline rowdy

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Re: What would you do with a small loan of $1 million?
« Reply #6 on: Thu, 05 May 2016, 05:43:13 »
Depends on the term of the loan.

It would be unlikely that I could afford the repayments anyway.
"Because keyboards are accessories to PC makers, they focus on minimizing the manufacturing costs. But that’s incorrect. It’s in HHKB’s slogan, but when America’s cowboys were in the middle of a trip and their horse died, they would leave the horse there. But even if they were in the middle of a desert, they would take their saddle with them. The horse was a consumable good, but the saddle was an interface that their bodies had gotten used to. In the same vein, PCs are consumable goods, while keyboards are important interfaces." - Eiiti Wada

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Offline Jokrik

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Re: What would you do with a small loan of $1 million?
« Reply #7 on: Thu, 05 May 2016, 05:44:57 »
I'd build a CNC shop.

You can't CNC a girlfriend FYI
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Offline rowdy

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Re: What would you do with a small loan of $1 million?
« Reply #8 on: Thu, 05 May 2016, 06:12:56 »
I'd build a CNC shop.

You can't CNC a girlfriend FYI

Now that you've mentioned it he's probably assessing the feasibility.
"Because keyboards are accessories to PC makers, they focus on minimizing the manufacturing costs. But that’s incorrect. It’s in HHKB’s slogan, but when America’s cowboys were in the middle of a trip and their horse died, they would leave the horse there. But even if they were in the middle of a desert, they would take their saddle with them. The horse was a consumable good, but the saddle was an interface that their bodies had gotten used to. In the same vein, PCs are consumable goods, while keyboards are important interfaces." - Eiiti Wada

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Offline FLFisherman

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Re: What would you do with a small loan of $1 million?
« Reply #10 on: Thu, 05 May 2016, 07:34:30 »
Is this a loan or a gift. If it were a loan I would immediately pay it back. Don't ever let anyone hold money over your head unless you desperately need it (mortgages, medical emergencies, etc).

If it were a random gift of $1 million I'd find myself a nice investment vehicle to squirrel it away in. With that amount of money one could probably get about 5% return (at least) on an annual basis - $50,000 a year. Not bad for money that's just sitting around. Very nice supplemental income.

Offline mrbishop

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Re: What would you do with a small loan of $1 million?
« Reply #11 on: Thu, 05 May 2016, 07:34:58 »
build up my business with more equipment... pay off debt. Live free or die hard. :thumb:
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Offline romevi

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Re: What would you do with a small loan of $1 million?
« Reply #12 on: Thu, 05 May 2016, 10:41:08 »
Give it to my friends and loved ones.

Offline demik

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Re: What would you do with a small loan of $1 million?
« Reply #13 on: Thu, 05 May 2016, 10:47:34 »
Build a real estate empire. Vote democrat for twenty years. Run for president of the opposite party I've voted for for nearly half my life.

Become a meme.
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Offline vivalarevolución

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Re: What would you do with a small loan of $1 million?
« Reply #14 on: Thu, 05 May 2016, 11:42:28 »
Build a real estate empire. Vote democrat for twenty years. Run for president of the opposite party I've voted for for nearly half my life.

Become a meme.

Start an enterprise, go into multi-billion dollar debt, get bailed out several times, get gigantic inheritance, claim you only ever got a small loan of a million dollars, run for president.

Darn it, you guys beat me to it.
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Offline Marizen

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Re: What would you do with a small loan of $1 million?
« Reply #15 on: Thu, 05 May 2016, 11:45:50 »
I would buy a nice house (~$300,000) and either a 4Runner TRD Pro or Tundra TRD Pro. I'd build a kickass computer and all the sweet peripherals. Then I'd invest the rest and just keep working my current job.

Offline FrostyToast

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Re: What would you do with a small loan of $1 million?
« Reply #16 on: Thu, 05 May 2016, 12:15:02 »
It's a loan so I would have to turn that into profit...
Well in that case I would buy out all 60 spots in a Duck GB and flip for profit; you can technically do that if you're crazy enough.
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Offline chuckdee

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Re: What would you do with a small loan of $1 million?
« Reply #17 on: Thu, 05 May 2016, 12:15:43 »
Depends on the term of the loan.

It would be unlikely that I could afford the repayments anyway.

This.  A windfall of $1 mil might be a different story.

Offline Waateva

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Re: What would you do with a small loan of $1 million?
« Reply #18 on: Thu, 05 May 2016, 12:29:07 »
Nothing, there is no way in hell I would take a loan for $1 million.
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Offline vivalarevolución

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Re: What would you do with a small loan of $1 million?
« Reply #19 on: Thu, 05 May 2016, 12:31:46 »
Nothing, there is no way in hell I would take a loan for $1 million.

Yea, it's a loan people, not a gift.  You need a plan to make enough money to repay the loan.
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Offline Photekq

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Re: What would you do with a small loan of $1 million?
« Reply #20 on: Thu, 05 May 2016, 12:42:55 »
I'd build a CNC shop.
+1

Start a CNC shop and hire plenty of hookers. It's the dream.
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Offline chyros

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Re: What would you do with a small loan of $1 million?
« Reply #21 on: Thu, 05 May 2016, 14:11:59 »
Give it to my friends and loved ones.
You'd go into 1 million-dollar debt for your friends and loved ones? Oo
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Offline Blackehart

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Re: What would you do with a small loan of $1 million?
« Reply #22 on: Thu, 05 May 2016, 14:55:23 »
Buy as much pure cocaine as possible, cut it and sell it.

Pay off the loan as SOON AS HUMANLY POSSIBLE (cuz that interest is a *****!).

Buy a small island.

Send people on my **** list an all expenses paid week vacation to my island.

Scorched Earth.

^_^

 

Offline HoffmanMyster

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Re: What would you do with a small loan of $1 million?
« Reply #23 on: Thu, 05 May 2016, 15:26:47 »
Pay it back before any interest accrued. I do not currently have any investment strategies for a million dollars, so it seems unwise to accept such a loan.

Offline Scarpia

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Re: What would you do with a small loan of $1 million?
« Reply #24 on: Thu, 05 May 2016, 15:27:52 »
Depends on the interest rate.

If you're talking about a really favorable loan, where the interest rate is less than I could safely expect to withdraw if I invested the money wisely (4% should be safe in the long term, 5% will eventually dig into the principal), I'd invest the lot, pay off the interest with my investment returns, and skim off the margin.
There probably wouldn't be much of a margin, but if I could skim off just half a percent on average, that's still a cool $5000 extra in Christmas presents every year.

In the more likely case that the loan came with a higher interest than that, I'd immediately pay it back in full, unfriend whoever got me drunk enough to sign it in the first place, and keep doing what I was doing.

(I know this is a tedious answer, but insisting that it's a loan rather than a gift makes the question pretty tedious.)
« Last Edit: Thu, 05 May 2016, 15:30:45 by Scarpia »

Offline Shapey Fiend

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Re: What would you do with a small loan of $1 million?
« Reply #25 on: Thu, 05 May 2016, 17:18:08 »
Conservative idea: Buy some apartments and pay it back with rent.. hopefully.

Daft idea: Start a peripherals company. A lot of what's out there at the moment looks quite similar and if computers are in the cloud/docks and screens get more minimalist I think we're going to see emphasis shifting back to interfaces.

Offline katushkin

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Re: What would you do with a small loan of $1 million?
« Reply #26 on: Thu, 05 May 2016, 17:20:59 »
Pay it back before any interest accrued. I do not currently have any investment strategies for a million dollars, so it seems unwise to accept such a loan.

You horribly sensible person.

I would buy lots of cars, a house and lots of cars.
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Offline chuckdee

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Re: What would you do with a small loan of $1 million?
« Reply #27 on: Thu, 05 May 2016, 19:48:43 »
Pay it back before any interest accrued. I do not currently have any investment strategies for a million dollars, so it seems unwise to accept such a loan.

You horribly sensible person.

I would buy lots of cars, a house and lots of cars.

Are you trying to be Kim Dotcom?

Offline katushkin

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Re: What would you do with a small loan of $1 million?
« Reply #28 on: Thu, 05 May 2016, 19:50:14 »
Pay it back before any interest accrued. I do not currently have any investment strategies for a million dollars, so it seems unwise to accept such a loan.

You horribly sensible person.

I would buy lots of cars, a house and lots of cars.

Are you trying to be Kim Dotcom?

No. I would hire a personal trainer and try not to anger the US Judicial system and/or Hollywood.
Can we get them to build the Alps ten feet higher and get Cherry to pay for it?
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Offline HoffmanMyster

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Re: What would you do with a small loan of $1 million?
« Reply #29 on: Thu, 05 May 2016, 19:50:53 »
Pay it back before any interest accrued. I do not currently have any investment strategies for a million dollars, so it seems unwise to accept such a loan.

You horribly sensible person.

I would buy lots of cars, a house and lots of cars.

Could you imagine defaulting on a million dollar personal loan though?    That's a terrifying thought.

Offline DAVYtm

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Re: What would you do with a small loan of $1 million?
« Reply #30 on: Thu, 05 May 2016, 19:54:22 »
Pay it back before any interest accrued. I do not currently have any investment strategies for a million dollars, so it seems unwise to accept such a loan.

You horribly sensible person.

I would buy lots of cars, a house and lots of cars.

Could you imagine defaulting on a million dollar personal loan though?    That's a terrifying thought.

I'm with ya, I'd repay it back immediately. Would need to think of an investment plan first, but if the APR is anything but 0% for the first year or two it's just not worth it to keep the money

Offline katushkin

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Re: What would you do with a small loan of $1 million?
« Reply #31 on: Thu, 05 May 2016, 20:00:55 »
Pay it back before any interest accrued. I do not currently have any investment strategies for a million dollars, so it seems unwise to accept such a loan.

You horribly sensible person.

I would buy lots of cars, a house and lots of cars.

Could you imagine defaulting on a million dollar personal loan though?    That's a terrifying thought.

Yeahhhh, I didn't think about it being a loan. I guess I would buy cars that won't drop in value. I'm talking classic Ferraris or some real old VWs.

But yeah, I would rather not default on a million dollars hah.
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Offline Waateva

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Re: What would you do with a small loan of $1 million?
« Reply #32 on: Thu, 05 May 2016, 20:20:16 »
Pay it back before any interest accrued. I do not currently have any investment strategies for a million dollars, so it seems unwise to accept such a loan.

You horribly sensible person.

I would buy lots of cars, a house and lots of cars.

Could you imagine defaulting on a million dollar personal loan though?    That's a terrifying thought.

I'm with ya, I'd repay it back immediately. Would need to think of an investment plan first, but if the APR is anything but 0% for the first year or two it's just not worth it to keep the money

Seriously.  I ran it through a mortgage calculator real quick and even at 3% interest paid back over 30 years, your payments are still $4200 a month with your total repayment sitting at $1.5 million.

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Offline Dreamre

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Re: What would you do with a small loan of $1 million?
« Reply #33 on: Fri, 06 May 2016, 10:51:56 »
Buy a house..!

Offline FrostyToast

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Re: What would you do with a small loan of $1 million?
« Reply #34 on: Fri, 06 May 2016, 10:59:41 »
Buy a house..!

You don't need a house.
Not like you could afford kids with a million dollars anyway.
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Offline elton5354

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Re: What would you do with a small loan of $1 million?
« Reply #35 on: Fri, 06 May 2016, 11:04:09 »
Buy a gf

Offline appleonama

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Re: What would you do with a small loan of $1 million?
« Reply #36 on: Fri, 06 May 2016, 11:05:34 »
Host a couple parties and on the last day OD on pills so I don't have to pay back the debt.  :thumb:

Offline Blackehart

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Re: What would you do with a small loan of $1 million?
« Reply #37 on: Fri, 06 May 2016, 11:07:44 »
Buy a gf

You mean rent :p
The type of GF you can buy will blow through that million so fast, your head will spin.

Offline chuckdee

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Re: What would you do with a small loan of $1 million?
« Reply #38 on: Fri, 06 May 2016, 11:17:27 »
Buy a gf

You mean rent :p
The type of GF you can buy will blow through that million so fast, your head will spin.

Blow through?  The good ones will take it outright.  :))

Offline FrostyToast

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Re: What would you do with a small loan of $1 million?
« Reply #39 on: Fri, 06 May 2016, 11:26:29 »
Buy a gf

You mean rent :p
The type of GF you can buy will blow through that million so fast, your head will spin.

Blow through?  The good ones will take it outright.  :))

If that's the case, they at least have to do a little blowing through....
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Offline suicidal_orange

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Re: What would you do with a small loan of $1 million?
« Reply #40 on: Fri, 06 May 2016, 11:50:09 »
I'd take out a life insurance policy which would cover the debt, then pay off my mum's mortgage and buy my sister a house.  That would leave me enough (maybe $300,000?) to do some crazy things which I'll never afford to do otherwise.  Just got to make sure it looks like an accident...
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Offline demik

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Re: What would you do with a small loan of $1 million?
« Reply #41 on: Fri, 06 May 2016, 11:54:01 »
I'd take out a life insurance policy which would cover the debt, then pay off my mum's mortgage and buy my sister a house.  That would leave me enough (maybe $300,000?) to do some crazy things which I'll never afford to do otherwise.  Just got to make sure it looks like an accident...

Most life insurance cover suicide after 1-2 years. Just don't sign it suicidal orange.. They might see it as a pre existing condition.
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Offline suicidal_orange

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Re: What would you do with a small loan of $1 million?
« Reply #42 on: Fri, 06 May 2016, 12:09:11 »
I'd take out a life insurance policy which would cover the debt, then pay off my mum's mortgage and buy my sister a house.  That would leave me enough (maybe $300,000?) to do some crazy things which I'll never afford to do otherwise.  Just got to make sure it looks like an accident...

Most life insurance cover suicide after 1-2 years. Just don't sign it suicidal orange.. They might see it as a pre existing condition.

Thanks for the tip :))
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Offline Waateva

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Re: What would you do with a small loan of $1 million?
« Reply #43 on: Fri, 06 May 2016, 12:31:27 »
I'd take out a life insurance policy which would cover the debt, then pay off my mum's mortgage and buy my sister a house.  That would leave me enough (maybe $300,000?) to do some crazy things which I'll never afford to do otherwise.  Just got to make sure it looks like an accident...

Most life insurance cover suicide after 1-2 years. Just don't sign it suicidal orange.. They might see it as a pre existing condition.

A+ advice right there.
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Offline csmertx

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Re: What would you do with a small loan of $1 million?
« Reply #44 on: Fri, 06 May 2016, 12:42:26 »
1. Life sized replica of the Millennium Falcon

2. ?

3. Profit.
Kinesis Advantage2 Quiet LF w/lubed silent cherry reds | Cherry G80-11900 w/lubed vintage black switches | Magicforce 68 w/o backlight | another 3d keyboard model thread | Berkely Software Distribution thread (BSD) | github

Offline dante

  • Posts: 2553
Re: What would you do with a small loan of $1 million?
« Reply #45 on: Fri, 06 May 2016, 12:43:37 »
I would probably use it to help attract talent for a kickstarter/reboot of Alien Vs. Predator strictly as a competitive arena FPS.

Rebellion/Sega screwed us over the last go around.

Offline Waateva

  • * Esteemed Elder
  • Posts: 1776
  • Location: Michigan, USA
Re: What would you do with a small loan of $1 million?
« Reply #46 on: Fri, 06 May 2016, 13:07:42 »
I would probably use it to help attract talent for a kickstarter/reboot of Alien Vs. Predator strictly as a competitive arena FPS.

Rebellion/Sega screwed us over the last go around.

Yes plz
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Offline waitinginexile

  • Posts: 29
  • Location: Wisconsin, USA
  • Nathan O.
Re: What would you do with a small loan of $1 million?
« Reply #47 on: Tue, 17 May 2016, 22:13:43 »
I'd go to music school. Berkelee is expensive and honestly I'm not sure if they'll accept me haha
i am zeal-less i am feel-less

Offline SJHL

  • Posts: 274
Re: What would you do with a small loan of $1 million?
« Reply #48 on: Tue, 17 May 2016, 23:10:30 »
Pay off my loans and open up a bakery!

Edit: Read the question wrong.
« Last Edit: Tue, 17 May 2016, 23:25:57 by SJHL »

Offline noisyturtle

  • * Exalted Elder
  • Posts: 6241
  • comfortably numb
Re: What would you do with a small loan of $1 million?
« Reply #49 on: Tue, 17 May 2016, 23:22:10 »
Start a small game development studio with a business model built around giving jobs to promising new graduates and putting them in charge of a games development over the course of a year and a half. They have free roam to build and design anything they can create together with the resources I provide them. Then after a year and a half we would ship the title and I would bring in a new group of students to create another project, letting the previous team go to further their careers with the experience of having played a key role in the development of a shipped title.

This would actually cost a bit more than a cool million. Guess I'd pay off my crushing debt first  :blank: