I have had many notes yielding 30% or more and the fluctuating of short term interest rates while having those investments was laughable, of no impact to me.It is simply inappropriate to apply academic thinking and concerns of interest rate risks to any small investor of notes.Putting this in perspective in the real world, interest rate volitility, the movement or interest rates in the economy only effects an investment that has a yield that is close or the same as current market rates.

Besides working full-time and owning a business, I am on a board of directors, enjoy academic research, play in a men's hockey league, and have traveled a good portion of the world.Thanks for reading and I look forward to being a part of the community here.Derek

What subject is/are your academic degree(s) in?

Academic achievement is one part of life.

As for getting into Harvard, he was an outlier in his academic record for getting accepted (he had the worst grades and SAT scores of anyone who got in HBS in the 5 years before and after him).

Nothing added plus anything gained certainly is a benefit on their end.My point is not to condone their behavior but illuminate, especially in a recession of this magnitude, the rational drivers that lead academics and "urban professionals" to such strategic maneuvers.

You wouldn't do that in an academic paper, but we are not on an academic forum.You use "a" or "an", whichever you are comfortable with.

I am considering signing up for Nouveau Riche University and before i do that, i would like to get some feedbacks from people who've gone through Nouvue Riche academic courses and utilize some strategies that was taught in the classrooms and helps from the mentors in the group.

Armchair academics who have no concept of the reality of this business often favor social insurance, completely ignoring the realities of the insurance business and base human behavior to take advantage of every loophole to tap out reserves, assuming someone else will (or obligating them to) restock them.

If a college kid gets an academic scholarship, he has to perform or he doesn't get it renewed the following year.