How to exchange an old car of 10.000$ to new one valuing 25.000$

        The automobile producers and dealers were affected by the last world crisis and I considered it was a good opportunity to buy a car. I sell my old BMW on a discounted price (from 11.000$ to 10.000$, loosing 1.000$) and I bought a new one at 20.0000$ discounted from 25.000$ (high supply). Also on the lack of demand on credit, the bank lend me 20.000$ at a very low cost (about 1% per year), the circle was completed by a low risk investment with just a 2% interest per year.

cash flow looks like:

ASSETS: 10.000$ (investments)                    INCOME: 2.000$ (return on investment - 2%)

LIABILITIES: 20.000$                                      EXPENSES: 2.000$ (car payment - 1%)

                        ---------------------------                              -------------------------------------

                                                                                        zero dollar to pay

It is like magic how to exchange for free an old car to a new one

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