Or those that leverage bit coin at the wrong time and lost hundreds of thousands on that play.. and for sure character assassination on the internet is not going to right the ship crazy  I do not work for Norada I have never met Marko.. my points are that you folks simply did not do enough due diligence up front and were blinded by the high returns and clearly did not understand the risks of unsecured notes/Junk bonds..

Sorry for the lengthy post.

Tbh it’s really not a great time to invest right now, the yields are for the most part with a few exceptions below what you can get in a bond/stock.

., a bond), or the holder's other rights (e.g., an option)."

We also don't have a redemption bond, our mortgage company didn't require it and we didn't even know about it honestly when we bought the property back in 2022 (we've waited this long for mediation and a trial date). 

It's lengthy, but does a great job in explaining the new law and a work around.

While it’s great being a bank, there is a downside when a borrower defaults, and you have to go through a lengthy and arduous legal process to foreclose, which most likely the lender has never done.

Need a new roof in a 3-5 years, you probably want to be pretty liquid (year long CD, Money Market, maybe very short term bond fund etc) for those funds.On a condo board 15 years ago, I  was once able to get us into some nice CD's a decade ago that laddered with the useful life of components.

Our stock/bond portfolio is currently at around 30X expenses, plus we own our primary home with $200k outstanding on a low-rate mortgage.

My contactor is licensed bonded and insured and he called the neighbor offering to cover the cost of exterior detailing of his car.