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No offense, Neeta, but if you’ve got a half million dollars to invest, why are you asking for anonymous advice on the Internet about a probably shady deal that pays a measly 12.5%? Don’t people like you have better options than that?
I have always put my money in interest bearing accounts. I still believe in doing that. I’m just trying to find something above 5% return that says “hey this is what you will receive if you put your money here” not if you put your money here you might receive this if the stock or what ever goes up. I don’t think that asking for 10% guaranteed is asking too much, but apparently it is.