Originally posted on Fixed Income Alternatives:

This is Part 2 of a series where I will occasionally review Market Linked Certificates of Deposit (MLCDs) that have recently matured.   As a brief refresher, all MLCDs offer 100% principal protection, supported by the FDIC to statutory limits.

I am reviewing today a 5-year JPMorgan CD issued 28 May 2010, that matured on 29 May 2015.  It was based on 100% participation in the JPMorgan Efficiente (USD) Index.  The CUSIP was 48123YKC9.

This CD marked the initial level of the index, when it was issued, at 99.65.  At maturity, the index was at a level of 125.75.  That is a change of +26.192%.  For every $1,000 invested in this CD, it paid $1,261.92 at maturity.  That is an average of 5.24%/year, non-compounded.  There were no coupons paid; it was a lump-sum at maturity.

Here is an approximate view of the…

View original 378 more words

Originally posted on AmyJalapeño!:


“You know that vibe you get from particular people – the in your face vibe that blats, ‘You’re not worth my time and I would rather be sitting in a pile of shit than get to know you.’ You know, that voice – the one you are absolutely certain is the other person psychologically stabbing you? Well, maybe it’s not them. Maybe it’s your most practiced hurt, your deepest fear, or acutest insecurity. Maybe it’s your ‘little me’ holding to what it can to stay alive and  then pinning the blame on an unexplained glance or the untold back story of another person. But, I could be wrong. It could be your powers of super perception and awe-inspiring omniscience. Yeah, it could be that.” -Amy Larson, amyjalapeno.com

View original

Originally posted on AmyJalapeño!:


“Leaning into a relationship is the best measure for determining intention and devotion. If the other person’s loyalty does not match your own (or if yours does not match theirs), you will feel distress within an area of your body: a lump in the throat, a knot in your gut, something will seem off. If there is an alignment of devotion, ease and reciprocation and a graceful push and pull will follow.” -Amy Larson, amyjalapeno.com

View original

Originally posted on AmyJalapeño!:


You cannot truly listen to another unless you still the internal dialog and diffuse thoughts running off on tangents.

The question is, how much do you really want to listen?

How much do you want to be heard?

Do you have a propensity to control the conversation and be the only person that speaks?

Do you find yourself only thinking about what you want to say next?

Do you believe that you know what the other person is thinking or what they want, even though you have expressed zero interest in what they have to say?

Are you one of those that remains quiet, whether you are petrified to open up or simply uninterested in opening the deep dark world that is your personal Pandora’s box?

Either way some thought or belief or neurotic habit is preventing you from truly connecting with another human being. When you quite the mind…

View original 19 more words

Originally posted on AmyJalapeño!:


“An extraordinary life requires extraordinary risk. Not in time or effort or will, but in allowing your perceptions to be vulnerable, including a few split second decisions made from your gut that will change the course of your life entirely. That’s what death does. That’s what change is. The courageous meet death before it happens. They change before life forces them to.” -Amy Larson, amyjalapeno.com

View original


Get every new post delivered to your Inbox.