[UCGal]

[quote=Nachoman]They pay 8-10% per year for a 6 month period. Although the principle isn’t guaranteed, seems to be a better return than a normal CD. This offering period is for AAPL.[/quote]
My limited understanding of them puts it at the same risk as owning a stock that pays dividends…

If the underlying security (typically a stock) goes down in value during the period – you don’t get your principal back, you get shares of the stock (worth less than the initial investment). If the stock went up, you don’t get the gain, you get your principal back.

This is quite different than a cd.
I don’t see the advantage over owning the stock directly… You still have risk if the stock goes down.

[UCGal]

[quote=Nachoman]They pay 8-10% per year for a 6 month period. Although the principle isn’t guaranteed, seems to be a better return than a normal CD. This offering period is for AAPL.[/quote]
My limited understanding of them puts it at the same risk as owning a stock that pays dividends…

If the underlying security (typically a stock) goes down in value during the period – you don’t get your principal back, you get shares of the stock (worth less than the initial investment). If the stock went up, you don’t get the gain, you get your principal back.

This is quite different than a cd.
I don’t see the advantage over owning the stock directly… You still have risk if the stock goes down.

[UCGal]

[quote=Nachoman]They pay 8-10% per year for a 6 month period. Although the principle isn’t guaranteed, seems to be a better return than a normal CD. This offering period is for AAPL.[/quote]
My limited understanding of them puts it at the same risk as owning a stock that pays dividends…

If the underlying security (typically a stock) goes down in value during the period – you don’t get your principal back, you get shares of the stock (worth less than the initial investment). If the stock went up, you don’t get the gain, you get your principal back.

This is quite different than a cd.
I don’t see the advantage over owning the stock directly… You still have risk if the stock goes down.

[UCGal]

[quote=Arraya][quote=UCGal]Another reason to remain frugal and keep that credit score up.[/quote]

Only for you, though. Sudden mass frugality would collapse demand and lead to more job losses, which could be you. Frugality is only good for a small few.[/quote]
It’s not sudden for me… I’ve been frugal (some would say cheap) for decades. I plan on spending like crazy in my retirement (travel)… but first I have to go through the decades of being cheap – saving for that retirement.

[UCGal]

[quote=Arraya][quote=UCGal]Another reason to remain frugal and keep that credit score up.[/quote]

Only for you, though. Sudden mass frugality would collapse demand and lead to more job losses, which could be you. Frugality is only good for a small few.[/quote]
It’s not sudden for me… I’ve been frugal (some would say cheap) for decades. I plan on spending like crazy in my retirement (travel)… but first I have to go through the decades of being cheap – saving for that retirement.

[UCGal]

[quote=Arraya][quote=UCGal]Another reason to remain frugal and keep that credit score up.[/quote]

Only for you, though. Sudden mass frugality would collapse demand and lead to more job losses, which could be you. Frugality is only good for a small few.[/quote]
It’s not sudden for me… I’ve been frugal (some would say cheap) for decades. I plan on spending like crazy in my retirement (travel)… but first I have to go through the decades of being cheap – saving for that retirement.

[UCGal]

[quote=Arraya][quote=UCGal]Another reason to remain frugal and keep that credit score up.[/quote]

Only for you, though. Sudden mass frugality would collapse demand and lead to more job losses, which could be you. Frugality is only good for a small few.[/quote]
It’s not sudden for me… I’ve been frugal (some would say cheap) for decades. I plan on spending like crazy in my retirement (travel)… but first I have to go through the decades of being cheap – saving for that retirement.

[UCGal]

[quote=Arraya][quote=UCGal]Another reason to remain frugal and keep that credit score up.[/quote]

Only for you, though. Sudden mass frugality would collapse demand and lead to more job losses, which could be you. Frugality is only good for a small few.[/quote]
It’s not sudden for me… I’ve been frugal (some would say cheap) for decades. I plan on spending like crazy in my retirement (travel)… but first I have to go through the decades of being cheap – saving for that retirement.

[UCGal]

[quote=DataAgent][quote=UCGal][quote=DataAgent]My Tivo copied it. Looks pretty good. I’ll probably watch it this weekend.[/quote]
Me to.
I *heart* my tivo.[/quote]

My neighbor says he likes his Time Warner DVR better. Pulleezzz….[/quote]
Seriously? Has your neighbor used Tivo?
It’s why I don’t get a cable box (I’m in time warner) or a uverse box. I am addicted to the tivo interface… and now my tivo does so much more (streaming netflix, etc)… They can keep their crappy Samsung or Cisco box from time warner.

[UCGal]

[quote=DataAgent][quote=UCGal][quote=DataAgent]My Tivo copied it. Looks pretty good. I’ll probably watch it this weekend.[/quote]
Me to.
I *heart* my tivo.[/quote]

My neighbor says he likes his Time Warner DVR better. Pulleezzz….[/quote]
Seriously? Has your neighbor used Tivo?
It’s why I don’t get a cable box (I’m in time warner) or a uverse box. I am addicted to the tivo interface… and now my tivo does so much more (streaming netflix, etc)… They can keep their crappy Samsung or Cisco box from time warner.

[UCGal]

[quote=DataAgent][quote=UCGal][quote=DataAgent]My Tivo copied it. Looks pretty good. I’ll probably watch it this weekend.[/quote]
Me to.
I *heart* my tivo.[/quote]

My neighbor says he likes his Time Warner DVR better. Pulleezzz….[/quote]
Seriously? Has your neighbor used Tivo?
It’s why I don’t get a cable box (I’m in time warner) or a uverse box. I am addicted to the tivo interface… and now my tivo does so much more (streaming netflix, etc)… They can keep their crappy Samsung or Cisco box from time warner.

[UCGal]

[quote=DataAgent][quote=UCGal][quote=DataAgent]My Tivo copied it. Looks pretty good. I’ll probably watch it this weekend.[/quote]
Me to.
I *heart* my tivo.[/quote]

My neighbor says he likes his Time Warner DVR better. Pulleezzz….[/quote]
Seriously? Has your neighbor used Tivo?
It’s why I don’t get a cable box (I’m in time warner) or a uverse box. I am addicted to the tivo interface… and now my tivo does so much more (streaming netflix, etc)… They can keep their crappy Samsung or Cisco box from time warner.

[UCGal]

[quote=DataAgent][quote=UCGal][quote=DataAgent]My Tivo copied it. Looks pretty good. I’ll probably watch it this weekend.[/quote]
Me to.
I *heart* my tivo.[/quote]

My neighbor says he likes his Time Warner DVR better. Pulleezzz….[/quote]
Seriously? Has your neighbor used Tivo?
It’s why I don’t get a cable box (I’m in time warner) or a uverse box. I am addicted to the tivo interface… and now my tivo does so much more (streaming netflix, etc)… They can keep their crappy Samsung or Cisco box from time warner.

[UCGal]

I’ve got some money in a schwab inflation hedged fund (SWRSX). It’s less than 5% of my investments, though.

[UCGal]

I’ve got some money in a schwab inflation hedged fund (SWRSX). It’s less than 5% of my investments, though.

[Author]

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