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Subject:  Re: PTON's ongoing shipping trouble Date:  11/29/2020  1:05 PM
Author:  mauser96 Number:  73840 of 78025

In today's world of good equity returns and miniscule interest rates it might make better sense to not pay off purchases right away, and use the extra money to make more money. For instance I used to pay off mortgages early because being debt free made me feel good, purely psychological. But with even average long term returns of 9% or so in an index fund and a 3.5% mortgage rate does that make sense? Especially now that the interest may not be deductible. Of course there are the unknown risk factors involved in both cases. \
The deal is even better at 0% down and 0% interest as the Peloton Bike seems to be.
Is it correct that Affirm takes all the credit risk here?

The Peloton equipment seems to be sturdy and would have value after a repossession. Unlike money borrowed for a vacation..

a sign that PTON may have tapped out its market. maybe. But if so it will show up in revenue.
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