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Financial Math of the Day

Which auto loan option is better?

2023 Mazda CX 30 select

About $27,000

$5,400 (20%) downpayment

2.9% 36mo loan vs 4.9% 60mo loan (manufacturer promo rates)

So it would be about $620 vs $400 monthly payment

I’d be paying nearly 3 times the amount in interest at the end of the day with the 60mo loan. But if I invested what I’d be saving with the lower monthly payment, would that outweigh the additional total interest paid over the life of the loan?

I know it’s possible that the market could go down while paying the car loan instead is a “guaranteed return” but I feel like a 5 year time span is likely to get a positive return?

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Brain Training Daily

Six daily cognitive games. New puzzles every day at 7pm.

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Linkage

29 Flawless Albums With No Skippable Tracks – Ned Hardy

5 Must-Watch Horror Movies on Free Streaming Right Now – Wanderer

The 15 Happiest Places to Live in the U.S. – Outside

These habits can cut the risk of depression in half, a new study finds – NPR

Browns’ Nick Chubb done for season with knee injury so bad ESPN refused to show replay in loss to Steelers – Replay

Professional MMA fighter vs Professional bodybuilder – Reddit

Not Having It: Muay Thai Coach Gets Into A Fight With His Student For Changing Schools! – Worldstar

FTX Sues Sam Bankman-Fried’s Parents to Recover ‘Misappropriated Funds’ – WSJ

This 10-minute mindfulness hack is equivalent of 44 minutes extra sleep, say experts – Stylist

Disappointing photos show what it’s really like to backpack across Europe – Insider

How a Failed Early Film Laid the Groundwork for James Cameron’s Avatar – Wanderer

Disney Plans $60B Expansion of Theme Parks Business – Hollywood Reporter

Woman Has All Her Limbs Amputated After Eating Tilapia Infected With Deadly Bacteria – Bored Panda

The First Bob Ross Painting From ‘The Joy Of Painting’ Is On Sale For Nearly $10 Million – All That’s Interesting

‘Tesla Road Rage Guy’ Gets Five Years In Prison – Jalopnik

What to Do When a Coworker Keeps Undermining You – Life Hacker

How I Stopped Feeling Like There Was Something Wrong with Me – Tiny Buddha

7 most famous female killers – Linkiest

15 People Reveal the Things They Wish They Learned Earlier in Life

  1. Don’t strain too hard or force a poop out, let it come out naturally as possible. Leads to hemorrhoids. I used to poop like it was a sport, learned my lesson after requiring surgery and regular visits to the proctologist. Wipe gently too y’all. Be nice to your buttholes.
  2. Keep your car maintained and drive it to the ground, no car payments are underrated
  3. How much just a little bit of exercise improves your health and well-being
  4. Don’t stay up late for anything for which you would not wake up early.
  5. You can do everything right and still not win. Some problems don’t have solutions.
  6. “It’s not what you say, it’s how you say it” It’s not enough for something to be said, if it cannot be received. In fact it’s a waste of breath and ultimately ineffective.
  7. Lower your expectations and let things surprise you. Be present, life’s short.
  8. What other people think of me isn’t my business and I shouldn’t let it affect me.
  9. Your worth is not based on whether or not you have a partner, a fancy job, a big house or a new car. Your worth is based in your own happiness and security. At this moment it’s your responsibility to your future self to do everything you can to make sure you are happy and secure. If that means shaking up your life at the core to make yourself happy and get negative life sucking people out of your life, do it. We only get one chance to live this life (as far as I know).
  10. If someone self identifies as a bitch/ass hole, believe them.
  11. Always take care of your health first. Nothing and I mean nothing matters more. All three tripods of health: Physical, Mental, and Emotional.
  12. You would be astonished how much of what’s happening to you requires your active participation. Once you learn that you can just say no and walk away and there’s nothing anyone can do about it you gain an amazing amount of power and self-confidence.
  13. You have to work to keep friendships and relationships alive.
  14. If you have a relationship/friendship that centers around an addiction you have a relationship with the addiction, not the person.
  15. Learn how to accurately identify, deal with and or avoid people with antisocial personality types aka people on the narcissistic/sociopathic/psychopathic spectrums. It’s much more common and inconspicuous than people think- these people can and will ruin your life before you even know it.

 

Why Aren’t Student Loans Bankruptable

Student loans are generally not dischargeable through bankruptcy in the United States for several reasons:

  1. Public Policy Concerns: The idea behind making student loans non-dischargeable is to protect the federal student loan program. If students could easily discharge their loans through bankruptcy, it might jeopardize the availability and terms of future loans for other students. The government wants to ensure that funds are available for future students to borrow.

  2. Potential for Abuse: There’s a concern that if student loans were easily dischargeable, some individuals might take advantage of the system. For instance, a student could theoretically borrow a large sum of money, earn a degree, and then immediately file for bankruptcy to have the debt wiped out, all without ever intending to repay the loans.

    3. [Read more…] about Why Aren’t Student Loans Bankruptable

 

What is Stealth Wealth?

Stealth Wealth

In the world of personal finance, there’s a concept that’s been gaining traction over the years, known as “Stealth Wealth.” At its core, Stealth Wealth is the practice of keeping one’s wealth hidden from the public eye. It’s about living a life that doesn’t scream “I’m rich!” even if one’s bank account tells a different story. But why would someone choose to live this way, and what are the benefits of such an approach?

Stealth Wealth is not about being stingy or miserly. Instead, it’s about making conscious choices that prioritize long-term financial health over short-term displays of affluence. It’s the millionaire next door driving a decade-old car, or the successful entrepreneur who chooses to live in a modest home rather than a mansion. These individuals understand that the true value of wealth is not in its display, but in the freedom and security it provides.

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The Pitfalls of the Victim Mentality

Life is unfair. We all face challenges, setbacks, and difficulties that are out of our control. While we cannot control everything that happens to us, we can control how we respond. Adopting a victim mentality where we blame others or circumstances for our problems is disempowering and prevents us from taking responsibility for our lives.

The victim mentally leads us to see ourselves as powerless. We view life through a lens of “poor me” thinking. We may justify our challenges as being someone else’s fault and wait for others to swoop in and fix our problems. But this traps us in a cycle of negativity and prevents us from recognizing our own agency.

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Linkage

She Played Jan on The Brady Bunch. See Eve Plumb Now at 65 – Wanderer

Whatever Happened To Susan Gibney, ‘Leah Brahms’ On Star Trek: The Next Generation? – Ned Hardy

The chaotic and cinematic MGM casino hack, explained – VOX

7 habits to live a healthier life, inspired by the world’s longest-lived communities – NPR‘

The 5 most common regrets of the dying – and what we can learn from them – Stylist

How to Help Boost Your Teen Son’s Self Image – Telegraph

This Spanish city has been restricting cars for 24 years. Here’s what we can learn from it – Fast Co

Everything You Need to Know About Nutritional Yeast, Nature’s Cheeto Dust – Bon Appetit

What Happens to Spelling Bee Champions When They Grow Old? – Mel Magazine

The 10 Biggest Money Losing Movies of All-Time – Linkiest

She Played ‘Isabella’ On Two and a Half Men. See Jodi Lyn O’Keefe  Now At 44 – Ned Hardy

This Johnny Depp Crime Drama on Netflix Is Super Rewatchable – Wanderer

Military Loses F-35 Stealth Fighter Jet, Asks Public for Help Finding It – Gizmodo

David Lynch’s Original Dune Ending Would Have Been a Lot Weirder (and Better) – Den of Geek

My Son Was a School Bully. Here’s How How I Stopped It – Fatherly

]How to Tell Your Friends and Family You Hate Them By Having a Destination Wedding – The Hard Times

The last surviving witness to Lincoln’s assassination lived long enough to share his story on TV – Upworthy

iOS 17 and iPadOS 17 Are Now Available – How to Geek