You want to buy furniture which will cost N$ 20,000. You could take out a personal loan
for N$20,000, which would charge you 9% p.a. interest compounded monthly. You also
have N$20,000 in an investment account, where you earn interest of 12% p.a. compounded
annually. Taking account of the interest charged versus interest earned, should you take
out the loan or make use of your investment funds?