Nothing worthwhile comes for free. I have sold my proposition to an investor for 21,000.00 Euro.

I need funds to pay for my tuition, housing, food, books, flights, insurance, and so on. I have applied for a number of scholarships but won't have the earliest results until December and January. Meanwhile, most of my tuition is due before the New Year.

Terms

According to the terms of a loan I have taken out with a financial institution, I am not allowed to borrow money elsewhere to secure the remaining funds. Thus, I am selling this investment instead – my most significant asset is the net present value of my future earnings. I will be repaying my loan to the financial institution at a rate of 715.12 Euro per month, which leaves plenty of space for this auction.

Questions?

If you have any questions or comments please click here.

To gather the remaining funds necessary for my studies at INSEAD's MBA programme, I am auctioning off 10% of my net income, for a period of 4 years starting the day of my first full-time job post MBA, to be paid at the end of each 12 month period. Further, I will guarantee that my total payments to you will be at least your winning bid and additional 10,000.00 Euro.

Return on investment

As the value of the winning bid rises, the effective rate of the return on the investment falls – because the investor’s positive cash flow remains the same. At 15,000.00 Euro the investor will get a 19.58% annual return on their investment and easily more than double their initial investment.


Questions?

If you have any questions or comments, or to request the full details of the agreement, the math behind it, my budget, and my CV, please click here.

Net Income

Applying English taxation to the average gross income, excluding annual and sign-on bonuses, for newly minted INSEAD MBAs in their year first gives a net income of 77,114.00 Euro after tax.

The net present value of my proposition is 21,642.00 Euro - I'm offering it to the highest bidder for a minimum of 15,000.00 Euro. I’m using English taxation, a 10% discount rate, and an average of 5% annual salary increase in my calculation. This will cover my remaining financial need.I'll be happy to go over the details of the calculations with you and provide you with the spread sheet. It is all very sound.

To download my spread sheet with all the math and some explanations click here.

Your benefits of investing

  • You will help me achieve something great that has immense personal value to me
  • You will get a very handsome financial return on your investment, potentially more than doubling your money in a few short years
  • I will facilitate your impactful introduction to relevant people in my new expanded professional network, should you like
  • I will cook you a celebratory dinner, or – if you prefer – take you out for dinner somewhere nice instead

Your risks of investing and their mitigations

  • I don’t get a job immediately post-MBA – The countdown on my net income won’t start until I’ve secured a full-time job, so any hick-ups will not impact the volume of the payments, only their timing
  • The job I get doesn’t pay very well – I guarantee that you will recoup at least your winning bid and additional 10,000.00 Euro over the life of our agreement, even if this means I have to pay you more than 10% of my net income
  • I die before our agreement is concluded – I’m taking out a life insurance policy with you as the sole beneficiary, the value of which exceeds the expectations outlined in this agreement
  • You don’t trust me – Then you are probably in the wrong place. But, I will gladly provide you with my financial statements and payslips as proof of my net income. Additionally, we can split the cost of a third party accountant or auditor

All of the above risks have been further explored on the Q&A page, click here to view them.

Nothing worthwhile comes for free. I have sold my proposition to an investor for 21,000.00 Euro.

I need funds to pay for my tuition, housing, food, books, flights, insurance, and so on. I have applied for a number of scholarships but won't have the earliest results until December and January. Meanwhile, most of my tuition is due before the New Year.

Terms

According to the terms of a loan I have taken out with a financial institution, I am not allowed to borrow money elsewhere to secure the remaining funds. Thus, I am selling this investment instead – my most significant asset is the net present value of my future earnings. I will be repaying my loan to the financial institution at a rate of 715.12 Euro per month, which leaves plenty of space for this auction.

Questions?

If you have any questions or comments please click here.

To gather the remaining funds necessary for my studies at INSEAD's MBA programme, I am auctioning off 10% of my net income, for a period of 4 years starting the day of my first full-time job post MBA, to be paid at the end of each 12 month period. Further, I will guarantee that my total payments to you will be at least your winning bid and additional 10,000.00 Euro.

To download my proposed legal instrument click here.

Return on investment

As the value of the winning bid rises, the effective rate of the return on the investment falls – because the investor’s positive cash flow remains the same. At 15,000.00 Euro the investor will get a 19.58% annual return on their investment and easily more than double their initial investment.


Questions?

If you have any questions or comments, or to request the full details of the agreement, the math behind it, my budget, and my CV, please click here.

Net Income

Applying English taxation to the average gross income, excluding annual and sign-on bonuses, for newly minted INSEAD MBAs in their year first gives a net income of 77,114.00 Euro after tax.

The net present value of my proposition is 21,642.00 Euro - I'm offering it to the highest bidder for a minimum of 15,000.00 Euro. I’m using English taxation, a 10% discount rate, and an average of 5% annual salary increase in my calculation. This will cover my remaining financial need.I'll be happy to go over the details of the calculations with you and provide you with the spread sheet. It is all very sound.

To download my spread sheet with all the math and some explanations click here.

Your benefits of investing

  • You will help me achieve something great that has immense personal value to me
  • You will get a very handsome financial return on your investment, potentially more than doubling your money in a few short years
  • I will facilitate your impactful introduction to relevant people in my new expanded professional network, should you like
  • I will cook you a celebratory dinner, or – if you prefer – take you out for dinner somewhere nice instead

Your risks of investing and their mitigations

  • I don’t get a job immediately post-MBA – The countdown on my net income won’t start until I’ve secured a full-time job, so any hick-ups will not impact the volume of the payments, only their timing
  • The job I get doesn’t pay very well – I guarantee that you will recoup at least your winning bid and additional 10,000.00 Euro over the life of our agreement, even if this means I have to pay you more than 10% of my net income
  • I die before our agreement is concluded – I’m taking out a life insurance policy with you as the sole beneficiary, the value of which exceeds the expectations outlined in this agreement
  • You don’t trust me – Then you are probably in the wrong place. But, I will gladly provide you with my financial statements and payslips as proof of my net income. Additionally, we can split the cost of a third party accountant or auditor

All of the above risks have been further explored on the Q&A page, click here to view them.