l*****t
发帖数: 2019 | 1 Return and all the things you talked about are no the only thing.
You said yourself "when you have enough cash". Man, you tell me when i have
enough cash. Say a car is 30K that I want to buy, and say,I have 40K in bank,
although maybe at this time i still have solid annual income, god, who knows.
I am not that crazy to put 30K in case to buy a car.
For normal ppl, the more stupid thing ever is to pay in full. Don't think
all the americans are fool. They just do what ever makes sense.
You lost so | q****a
发帖数: 464 | 2 i think "technically" ppt definitely has a point. but it also depends
on individual situation. i mean, if I'm *really* rich, i definitely
pay in full. hehe. it all depends on how we define "enough" cash. hehe.
【在 l*****t 的大作中提到】
: Return and all the things you talked about are no the only thing.
: You said yourself "when you have enough cash". Man, you tell me when i have
: enough cash. Say a car is 30K that I want to buy, and say,I have 40K in bank,
: although maybe at this time i still have solid annual income, god, who knows.
: I am not that crazy to put 30K in case to buy a car.
: For normal ppl, the more stupid thing ever is to pay in full. Don't think
: all the americans are fool. They just do what ever makes sense.
: You lost so
| m******t
发帖数: 2416 | 3
first of all stock market isn't the only thing you can get >6% anual
return.
secondly, if you got a car loan for a $20K car that's higher than 4% (which
is roughly equivalent to the net profit of a 6% investment return), either
your credit history isn't strong enough, or you didn't look hard enough.
finally, (although it's not a valid argument, I'm gonna throw this in
anyway), if you have the extra cash to pay off a $20K car, why not take
out a mortgage on a $30K one? 8-)
no, i didn't notice t | C****l
发帖数: 143 | 4 on the contrary, i feel stock market is safe
much more safe than put 20k cash in other people's pocket
pay
gain |
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