I was lamenting to friends how after years and years of squirrelling money away for a potential stock market crash, my hands (and heart) got itchy and I bought a condo apartment, only to witness the market crash spectacularly. I always thought a downturn was due soon, but not this soon.

I maintain a certain amount of savings, but not nearly the war chest I want to have in this time of opportunity. Here’s where having access to cheap funds is very useful.

Credit card companies have been pushing 0% interest balance transfers with a processing fee. The company deposits the money in a bank account of your choice, and you repay this much like how you would repay a credit card balance. I think such cheap funds make even more sense now that stock markets are depressed.

Here’s how I think a