Hey guys, I was wondering, under what circumstances would one take debt to pay for CLL ? I am considering doing my Femurs, most probably with Dr. Betz in Germany, and the whole thing would cost around 60k euro with physiotherapy and other side expenses (Nebenkosten, as they say in Germany)
I am seriously thinking about saving 1/2 of the amount, for which I would need about 2 years, borrowing 1/4 from a bank, and my parents will get me the remaining 1/4 (15k) . Further, as of know, I have a credit card with a limit of 3 k euro and I guess later on I would be able to get one with 5k, but I would only use that in cases of absolute emergency ...
by the time I will do LL i would have become 27 - 28 years old, what I think is a great age to do such surgery, both from recovery perspectives and , well the idea that one needs to do it as young as possible to , you know, to enjoy it longer 
So, basically, I would need to really save 4 maybe 5 years in order to comfortably save the whole amount. There is also the possibility of just diverging from my plan and go to vacations, buy nice clothes , maybe a car, but if I owe money to the bank, then, well I simply need to make the next payment, which, if I borrow 15 k euro, would mean around 350 euro monthly for 4 years, or based on my current prognosis, between 8% - 12% of my net income for that period of my career. The initial 2 years of saving the 30k would mean between 30%-40% of my monthly income.
Do you think that my plan makes sense ?
Would you, and under what circumstances, take debt to finance CLL ?
That is interesting to hear. I e-mailed him in the summer (July) and somebody from his staff answered promptly. Did he really retire ?
Actually I would need another full year. Since I am planning on saving 30k for 2 years, I would need 1 more year to save the remaining 15k (assuming I will get the last 15k from my parents). I guess it depends on how my job goes. I just want to be done with that thing and move on
Quote from: PatientZero on February 08, 2016, 03:58:37 AMAdd 15-20k for complications.
I believe that, based on what I read here, the vast majority of patients of the top doctors in the US and Europe did not experience any complications or certainly any serious complications which required additional payments. Furthermore, many other patients have the surgery and never write in these forums. If somebody has a complication, he is more likely to write in order to ask for help or warn the others. While it is of course helpful to have 15-20k just in case, I think that, at least statistically, complications with the best doctors (assuming one does reasonable amount and follows instructions) are unlikely.
Quote from: Tiny on February 08, 2016, 05:59:58 AMCanadian student here. Saving a part of my student loan for LL. So instead of getting suckered into buying books, I just pirate the sh!t outta them and save. I have raised $2500 just this semester. I wish I started sooner. I'm going to do LL after I completed all of my major courses; I think I'll have $10000 from my loan by then. Plus, I'm planning to work this year and save another $10000. Then borrow $5000-$7500 from my parents.
In case of complications, I FCK!NG HOPE NOT, I think I can make use of our free health care.
That reminds me, I had a study abroad in the US 2 years ago and I had to spend around $3000 for text books and materials for just 6 courses. I bought an iPad for 500, downloaded the books from the Piratesbay and uploaded them to the iPad. So much cheaper and more convenient. US students are facing a social genocide with the prices of these textbook and the general US college experience.
Quote from: TIBIKE200 on February 08, 2016, 04:27:11 AMbtw aspirant, I have looked at your mock-up again. Dont do femurs.. Your legs will look horrible. Do the 4.5-5cm on tibia like you planned before. That's my opinion
I should make a new mock up to reflect my new plans 
I just think that if at 175.5 I do 4.5 that would put me in a situation that is not much differetn than my current one and that is not worth staying in Mitkovic cage 6 months..
I ve read a diary at old forum about a guy with starting height 174.5 who did 7.5 with Betz and he says that dramatically improved his life. Being 175.5 means that I am below average at all Western societies. Even with 5 cm I would be pretty much above average everywhere and if I complete my planned lengthening of 7.5 I would be 6 f tall. I think going from below average to visibly above average is worth it. I think it will be really noticable and will improve my life.
Quote from: TIBIKE200 on February 08, 2016, 05:06:07 PM Improve them in which aspects?
I guess he feels his life is improved the same way as a 165 cm guy going to 172 would think - more confidence, more attention from women etc.
Quote from: TIBIKE200 on February 08, 2016, 05:06:07 PM Improve them in which aspects?
I guess he feels his life is improved the same way as a 165 cm guy going to 172 would think - more confidence, more attention from women etc.
Quote from: Alu on February 08, 2016, 05:57:26 PMYou know what also would improve people's lives?
Not worrying about debt ever. Because it doesn't matter how confident you are you won't live the life you want...
Also being smart about life and not putting your eggs in one basket is also going to make life good for you..
People in Europe don't generally fear about debt. There are tons of safety nets and stuff. Nobody will ever take your house if you fail to make the next payment. Nobody will even take your car. Unless its super extravagant. Its not like in the US where they put people in prison for failing to pay. Or its not like in Russia where, well they simply beat you up
I agree with Adonis that going from 175 to 182 is the situation in which one can experience the greatest ''gains'' from LL. One actually goes from being below average to being tall. And if he would go from 165 to 172, that would mean, going from very short to below average. Which is by all means a whole new world for the person in question but for the ones around him, it might be that they do not even notice.
Quote from: TIBIKE200 on February 08, 2016, 06:05:47 PMWhat is the diary's name?
stillyoung
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