大家打算用多久时间收回MBA的直接投资

dulux_2008

初步预算直接成本(学费+生活费)10万美元,机会成本12万美元左右.希望毕业后5-6年能够保本.上帝保佑:一是保佑能够过关斩将收到录取通知,二是保佑世界经济不要太快进入萧条期.

dulux_2008

刚才犯了一个概念上的错误. 机会成本应该包含直接支出的学费和生活费. 因此,机会成本预计为 22万美元. 希望毕业后5-6年能够保本,实现起来也存在一定难度,当然也并非不可能.

dulux_2008

Opportunity cost contrasts to accounting cost in that accounting costs do not consider forgone opportunities.

Consider the case of an MBA student who pays $50,000 per year in tuition and fees at a private university. For a two-year MBA program, the cost of tuition and fees would be $100,000. This is the monetary cost of the education.

However, when making the decision to go back to school, one should consider the opportunity cost, which includes the income that the student would have earned if the alternative decision of remaining in his or her job had been made. If the student had been earning $60,000 per year, $120,000 in salary would be foregone as a result of the decision to return to school.

Adding this amount to the educational expenses results in a cost of $220,000 for the degree.

vincentxian

5 years.

My old buddy got his JD with NYU, on the loan of Citibank. He joined a New York City insurance company after law school. That was year 2003, and now, 2008 came already, he still can not clear his loan. The loan is 100,000 US$.

So, if you have no scholarship that covers at least half tuition and depend totally on loan, consider 5 years to get debt free.

And during the first 5 years after your MBA, consider no house and maybe no nice cars if you stick in NYC and want to pay back the loan as early as possible.

My old buddy now is still live in Jersey City, ride Jersey Path to go to work. NO house, no car.

boycottzhou

我做的一个简单估值小模型。由于读MBA和继续工作不可以替代（exclusive project）。所以不能再把机会成本计入读了MBA的计算中。

结果很让人吃惊！八年，尽然只是持平！年收入到达每年35万左右的人其实已经不是特别合算去读MBA了。

假设香港工作，月收入8万，2个月奖金。年收入为112万，税后大约为95万

1.5万租房，2万生活费。这样年费用为42万。这样年余53万。

然后原来收入是税后到手25万。生活什么的用掉五万。房子自己有。

每年收入都是增长5%。每年需求的收益率为10%。

单位：万	2008	2009	2010	2011	2012	2013	2014	2015	NPV
Investment/Net Income	-50	-50	53	56	58	61	64	68	$126.58
Stay current Status	20	21	22	23	24	26	27	28	$124.30
Interest Rate	10%
Salary Growth Rate	5%

单位：万	2008	2009	2010	2014	2031	2032	2033	2034	2035	2036	2037	NPV
	1	2	3	7	24	25	26	27	28	29	30
Investment/Net Income	-50	-50	53	64	148	155	163	171	179	188	198	$551.12
Stay current Status	20	21	22	27	61	65	68	71	75	78	82	$300.93
Interest Rate	10%
Salary Growth Rate	5%

如果没有大的发展，MBA不能保证你发财的奥！

我测了30年，假设30岁读MBA，工作到60岁退休。

当然很多都是简单假设前提下的，人的命运是不好预测的。无论不读MBA和读MBA都有可能发财的！

苞米

以下是引用boycottzhou在2008-1-21 10:37:00的发言：

我做的一个简单估值小模型。由于读MBA和继续工作不可以替代（exclusive project）。所以不能再把机会成本计入读了MBA的计算中。

结果很让人吃惊！八年，尽然只是持平！年收入到达每年35万左右的人其实已经不是特别合算去读MBA了。

假设香港工作，月收入8万，2个月奖金。年收入为112万，税后大约为95万

1.5万租房，2万生活费。这样年费用为42万。这样年余53万。

然后原来收入是税后到手25万。生活什么的用掉五万。房子自己有。

每年收入都是增长5%。每年需求的收益率为10%。

单位：万	2008	2009	2010	2011	2012	2013	2014	2015	NPV
Investment/Net Income	-50	-50	53	56	58	61	64	68	$126.58
Stay current Status	20	21	22	23	24	26	27	28	$124.30
Interest Rate	10%
Salary Growth Rate	5%

单位：万	2008	2009	2010	2014	2031	2032	2033	2034	2035	2036	2037	NPV
	1	2	3	7	24	25	26	27	28	29	30
Investment/Net Income	-50	-50	53	64	148	155	163	171	179	188	198	$551.12
Stay current Status	20	21	22	27	61	65	68	71	75	78	82	$300.93
Interest Rate	10%
Salary Growth Rate	5%

如果没有大的发展，MBA不能保证你发财的奥！

我测了30年，假设30岁读MBA，工作到60岁退休。

当然很多都是简单假设前提下的，人的命运是不好预测的。无论不读MBA和读MBA都有可能发财的！

Your model's wrong. You should use the incremental NPV method instead--- you are ignoring the sunk cost (such as your living expense, which you'll have to spend no matter what).

terryzhang

一生一世。

WALLMAGE

we pay so much $$, not for the "MBA" title. we just buy a chance, buy a ticket that will lead you to the gold mountain...

flypuppy

first of all, it depend on how much you pay for your MBA. let us say $100K for two-year full-time MBA. you can either pay off up-front or take loan (10 year pay-back period means addtional $20k for interests in general).

second, it depend on your full-time job industry and position. For top 5 investment banking firm, if you are not fired recently or fired but find another job very soon,  you could pay back your spendings on MBA within two years. for consulting industry may be 3-5 years. for corporation, more than 5 years.

Third, your choices on 401k, insurance and tax (no much choice on tax. some difference if you are self-employed).  for example, you can put 2%- 14% of your income to your 401k.

Last but not least, your spending and savings habit.  depend on your personal and family situation.

[此贴子已经被作者于2008-7-24 0:32:32编辑过]