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Message: [QUOTE="polycom, post: 3945751, member: 5613"] Basically taking a loan out from the CT government at 1% every month in [I]hopes [/I]to beat the market over the same time. You say you are going to get a large refund from the fed but who cares... why does that factor into your calculation? The fed isn't giving you [I]extra money they are[/I] giving you that is owed to you. I [I]understand [/I]your point but many people have blown up their lives getting a bank loan loan to invest in the stock market because they think they can beat the market. [/QUOTE]