Narrow Margins?

I need a new car. I kind of like this one that costs $12,875, so I was looking at financing for it. So, I can get a loan for 4.4% if I put down 30%, so my loan would be for $9,013, cost me $205 per month, and $833 in total interest over the life of the loan. So, if instead of paying cash for the car I get the loan and put the extra $9,013 in a bank account earning 3.0% interest, I would earn a total of $1,148 in interest and be ahead $315 at the end of the 48 months. Nice! No wonder we have a financial crisis.

Sometimes

Sometimes I wonder
Why Life is so tough
Or ponder if it’s only me
Who is having it rough

I see so many others
Who fall so easily in love
Or have little children
Who run to the door for a hug

I drive past lots of houses
That are warm and friendly
And wonder if I’ll ever
Afford such a luxury

All of my friends at work
Have successes so often
And I wonder if I’ll even
Ever earn a promotion

I have applied to school
But just got turned back
To wonder what it was
That they found that I lacked

But I can’t help but be happy
To smile and whistle as I go
Because of my certainty
In a principle that I know

That God is a just God
To both the bond and the free
The rich and the poor
And, yep, even to me

And the test we are all living
Will push each of us to the limit
So it is just as hard for everyone
If you think on it for a minute

And if the experiences we have
For everyone are equally rough
Then on a personal level
It won’t seem quite as tough

Our thoughts will no longer
Drift inward on us
But to everyone on earth
Both the evil and the just

And how we can help
To brighten someone’s day
Or lift another’s burden
And send them on their way

We’ll strive to become
Like that one perfect being
To lift those around us
With no concern to be seen

And instead of craving status
We’ll realize deep within
That true happiness comes
From helping someone grin