<prompt> Human: A friend of mine has an interesting approach to investment.Once a year one of his credit card companies offers a 0 12-month balance transfer for a 1 fee. He tells me he always advances the money to himself and uses it to fund investments. He then pays back the transfer over 12-months and pockets the interest income.Assuming hes making 3-5 on his money he figures hes coming out ahead of the curve.On the surface he seems to be right...but is he really?  <response>: Ask him what hed do if his investments lost 10 of value. 