b******y 发帖数: 499 | 1 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。
谢谢指点! |
k****n 发帖数: 1334 | 2 this is not 闲钱 at all
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
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z***t 发帖数: 2474 | 3 If you return on investment are better than car loan, then investment |
a**e 发帖数: 5794 | 4 贷款利率?你的年龄、收入、身高、体重、学历、家庭成分?
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
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k****n 发帖数: 1334 | 5 you need to plan the worst to put them in MF, if you 20k got 30% lost in two
years, can you bear it? if you think you will definitely take them out in 2
-3 years, don't put them in now.
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
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n****u 发帖数: 229 | 6 get rid of debt first. period.
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
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s********n 发帖数: 1962 | 7 That really depends.
【在 n****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : get rid of debt first. period.
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s**********d 发帖数: 36899 | |
d*********2 发帖数: 48111 | 9 get as many debt as possible, if u live in america.
【在 n****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : get rid of debt first. period.
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b******y 发帖数: 499 | 10 意思是要先付清车贷?
什么可以称为闲钱?
【在 k****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : this is not 闲钱 at all
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b******y 发帖数: 499 | 11 我是觉得股市最近可以少入一点。
【在 z***t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : If you return on investment are better than car loan, then investment
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o*********l 发帖数: 1807 | 12 if you can get higher return than cost of funding, do it but please bear in
mind that any short term gain will slap you with highest tax rate. |
K****D 发帖数: 30533 | 13 Use Dave Ramsey's word (the famous debt hater):
Imagine you didn't have this money. Would you borrow $20k to invest?
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
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d*********2 发帖数: 48111 | 14 yes, for a 2.5% rate with the real inflation 5% or 6%.
【在 K****D 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Use Dave Ramsey's word (the famous debt hater): : Imagine you didn't have this money. Would you borrow $20k to invest?
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s*******d 发帖数: 126 | 15 I honestly cannot stand Dave Ramsey. He is good at mixing different concepts
to the extent of creating confusions and misleading interpretations in
order to achieve his no-debt-at-all-cost rational.
I am not saying that the original poster should do it one way or another,
this is more of a spontaneous comment on Dave Ramsey.
【在 K****D 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Use Dave Ramsey's word (the famous debt hater): : Imagine you didn't have this money. Would you borrow $20k to invest?
|
S**C 发帖数: 2964 | 16 His audience is those folks who live pay-check by pay-check. I think he do a
good service to them.
concepts
【在 s*******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I honestly cannot stand Dave Ramsey. He is good at mixing different concepts : to the extent of creating confusions and misleading interpretations in : order to achieve his no-debt-at-all-cost rational. : I am not saying that the original poster should do it one way or another, : this is more of a spontaneous comment on Dave Ramsey.
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y****e 发帖数: 23939 | 17 如果是0.9%的车贷,真没必要马上付清
【在 n****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : get rid of debt first. period.
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j***4 发帖数: 3119 | 18 In this environment reduce your debt as much as possible. Very bad time to
invest
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
|
w******t 发帖数: 16937 | 19 车贷利息是多少,每年付出的利息是多少?
股票基金的年return是多少?
觉得还请车贷比较划算。
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
|
E******w 发帖数: 2616 | 20 我觉得标准答案是:凡是需要问这个问题的人,都一定是先还清贷款比较好。
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
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B********4 发帖数: 7156 | 21 我的定义是若干年内绝对不会需要用的钱。
比如你现在工作是铁饭碗,预期的收入肯定可以够你近期的各种花销,那你这个2万刀
就是闲钱。如果你工作不稳,或者小孩要上大学,老人要治病,都可能动用你的2万刀
,那就不是闲钱。
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 意思是要先付清车贷? : 什么可以称为闲钱?
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b******y 发帖数: 499 | 22 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。
谢谢指点! |
k****n 发帖数: 1334 | 23 this is not 闲钱 at all
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
|
z***t 发帖数: 2474 | 24 If you return on investment are better than car loan, then investment |
a**e 发帖数: 5794 | 25 贷款利率?你的年龄、收入、身高、体重、学历、家庭成分?
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
|
k****n 发帖数: 1334 | 26 you need to plan the worst to put them in MF, if you 20k got 30% lost in two
years, can you bear it? if you think you will definitely take them out in 2
-3 years, don't put them in now.
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
|
n****u 发帖数: 229 | 27 get rid of debt first. period.
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
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s********n 发帖数: 1962 | 28 That really depends.
【在 n****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : get rid of debt first. period.
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s**********d 发帖数: 36899 | |
d*********2 发帖数: 48111 | 30 get as many debt as possible, if u live in america.
【在 n****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : get rid of debt first. period.
|
|
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b******y 发帖数: 499 | 31 意思是要先付清车贷?
什么可以称为闲钱?
【在 k****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : this is not 闲钱 at all
|
b******y 发帖数: 499 | 32 我是觉得股市最近可以少入一点。
【在 z***t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : If you return on investment are better than car loan, then investment
|
o*********l 发帖数: 1807 | 33 if you can get higher return than cost of funding, do it but please bear in
mind that any short term gain will slap you with highest tax rate. |
K****D 发帖数: 30533 | 34 Use Dave Ramsey's word (the famous debt hater):
Imagine you didn't have this money. Would you borrow $20k to invest?
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
|
d*********2 发帖数: 48111 | 35 yes, for a 2.5% rate with the real inflation 5% or 6%.
【在 K****D 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Use Dave Ramsey's word (the famous debt hater): : Imagine you didn't have this money. Would you borrow $20k to invest?
|
s*******d 发帖数: 126 | 36 I honestly cannot stand Dave Ramsey. He is good at mixing different concepts
to the extent of creating confusions and misleading interpretations in
order to achieve his no-debt-at-all-cost rational.
I am not saying that the original poster should do it one way or another,
this is more of a spontaneous comment on Dave Ramsey.
【在 K****D 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Use Dave Ramsey's word (the famous debt hater): : Imagine you didn't have this money. Would you borrow $20k to invest?
|
S**C 发帖数: 2964 | 37 His audience is those folks who live pay-check by pay-check. I think he do a
good service to them.
concepts
【在 s*******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I honestly cannot stand Dave Ramsey. He is good at mixing different concepts : to the extent of creating confusions and misleading interpretations in : order to achieve his no-debt-at-all-cost rational. : I am not saying that the original poster should do it one way or another, : this is more of a spontaneous comment on Dave Ramsey.
|
y****e 发帖数: 23939 | 38 如果是0.9%的车贷,真没必要马上付清
【在 n****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : get rid of debt first. period.
|
j***4 发帖数: 3119 | 39 In this environment reduce your debt as much as possible. Very bad time to
invest
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
|
w******t 发帖数: 16937 | 40 车贷利息是多少,每年付出的利息是多少?
股票基金的年return是多少?
觉得还请车贷比较划算。
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
|
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E******w 发帖数: 2616 | 41 我觉得标准答案是:凡是需要问这个问题的人,都一定是先还清贷款比较好。
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
|
B********4 发帖数: 7156 | 42 我的定义是若干年内绝对不会需要用的钱。
比如你现在工作是铁饭碗,预期的收入肯定可以够你近期的各种花销,那你这个2万刀
就是闲钱。如果你工作不稳,或者小孩要上大学,老人要治病,都可能动用你的2万刀
,那就不是闲钱。
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 意思是要先付清车贷? : 什么可以称为闲钱?
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y***e 发帖数: 6082 | 43 显然是还钱啊
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
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l******2 发帖数: 5522 | 44 我一直以来都在做投资, 欠这一屁股债(车贷,学生贷...)每月minimum payment。
现在银行利息这么低, 通胀这么高, TMD这些钱能不还尽量不还。
【在 b******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两万多刀闲钱,是付清车贷还是买股票基金呢?好像现在股市不错。 : 谢谢指点!
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