Sina believes he can invest his savings in a mutual fund and earn a 6.5% annual return. Since it is significantly more than earning 3.75% annually by entering an agreement to deposit $500 monthly into a guaranteed savings account for at least 18 months, Sina is leaning towards the mutual fund option. He wants advice on the risks and benefits of each investment strategy and a recommendation on which direction to proceed in. Sina's parents have advised him to stay in school and take student loans to finance his studies since he doesn't have to pay interest until after graduating. Sina's agrees that the interest rate is low at 3.15% (0.50% below the current market lending rate), but he is still hesitant to borrow an estimated $25,000 per year to study for three more years. he is especially concerned that he isn't sure about his career direction at this point. While getting a steady employment offer seems appealing in some respects, it is still difficult for Sina to imagine himself being committed to a career for a prolonged amount of time, even if the expected starting salary is $40,000 with 4% average annual growth for ten years afterwards. Sina wants a detailed analysis of his career options. He wants advice on ethics, business strategies, tax implications, and other relevant matters. Sina welcomes any recommendations, as well as any questions to his which will help you better analyze his options. Please prepare a business memo to Sina, addressing all issues raised in this case