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      10-04-2019, 03:10 PM   #41
G35POPPEDMYCHERRY
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Drives: F80
Join Date: Dec 2015
Location: Philadelphia

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Quote:
Originally Posted by Run Silent View Post
1) Risk can be quantified through beta and specific financial equations, such as CaV and CAPM modeling. The risk premium is (Rm – Rrf). The CAPM formula is Ra = Rrf + βa * (Rm - Rrf).

2) Any S&P index fund should be performing better than 8%.
good read. i just don't like the idea of someone else managing my money; when i can do it myself.

to each their own i guess. Ill likely come out ahead by taking the loan; and can incur the risks. whether the 50k is in car or cash; it cant be in my mattress. but paying the 3.49% makes it obvs more riskier.

i really wish I took the 0.9 60 month loan on the car; no brainier would have been ahead. alas; here we are lol.

i know this is off-topic. im right at the cusp of being smart or stupid; and not much reward to be seen; but every penny counts.

as far as people who get loans at 4+% for greater than 36months for a depreciating LUXURY asset; living the american dream.
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