Although we have to take chances sometimes, I always try to inject a high level of certainty in my life. Generally, I do not like leaving things to chance because there is a chance that things could go wrong. So, when people tell me I should have taken a 5 year loan to buy my car because the interest rate is only 2.68% per annum and I could use the money to invest for higher returns, apart from telling them that the effective interest rate is really higher than that, I would ask them how sure are they that they would not suffer a capital loss or that the investment returns would not dip or disappear in those 5 years? Without taking a car loan, however, I know I have avoided a hefty sum in interest payment over a 5 years period. That is certain. When people tell me that some financial ......