10% Yield Bond

I had heard of a bond issued by the government where you could get 10% APR.

For a “risk free” investment that’s pretty great.

So i decided to go through the process to see how tough it was . – I timed myself and it took me 17 minutes and 3 seconds from clicking the link below to purchase confirmation.

For a bond of $10k that means you’ll make at least $480 ($10k at 9.62% APR for 6 months) but likely more likely around $800 when you can cash out a year form now.

So instead of sitting in savings at close to 0% you’ll have made $800 for about 15 minutes of work!

The rate as of this posting is 9.62%

https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm

Bonus tip schedule your purchase on the first of the month to maximize the amount of time before the interest rate is updated

If you have questions leave a comment!

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Growing Sustainable Shrimp in the middle of Los Angeles

https://www.transparentseafarm.com

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Posting More – List

Had a goal today to post to the site – but was having trouble getting started so I’m making a list of topics I can visit to create future posts.

  1. Books I’ve read recently – Notes and Takeaways
  2. Youtube for kids – My daughter is FASCINATED with YouTube kids programming and also loves seeing videos of herself – The in laws and I would like to make some videos starring her! – Document the process
  3. Product Management – I work with digital products and am exposed to new products, tech and ways to do things – start documenting interesting products / ideas / features
  4. Music – I use to play piano and would like to start again also am a big fan of all types of music – post videos of me playing or playlists / songs that jump out at me.
  5. Mortgage and personal finance – I am currently a product leader for Core Digital Media part of the Rocket Family of Companies – We aim to improve peoples lives financially. – Thoughts and data on consumer debt, interest rates, home ownership and home improvements
  6. Gardening / Plants – I like plants. A lot. I recently built a garden for my wife and think more plants = better life
  7. Cooking – I like to try new recipes and constantly add or combine ingredients / dishes – document cooking process and add receipt for posterity – for example
  8. Nature – I love to hike and camp we also love the ocean, with a 3 and 1 year old we’ve taken a hiatus from camping – but we are getting ready to go out ad explore again – and the beach is always close by!
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5 Best ways to get Down Payment for a Home

What is a downpayment and how much do you need?

With mortgage rates at historical lows and more people than ever working from home everyone is asking how they can they purchase a house or condo.

Step 1 is getting a downpayment together. There are a range of downpayment options ranging from 0% if you are a Veteran all the way up to 25% or higher down if you want a lower loan amount.

So for example if the house you want to buy is $300,000 and you want to put 20% down you will need to have $60,000 to put toward the house.

Then a bank or lender like Quicken Loans will loan you the remaining $240,000 . This $240,000 loan is also called a mortgage.

See below for amount you would need to put down for different types of loans for a $300,000 loan

So explore all the options and programs to see how much of a downpayment you will need. If you aren’t sure you can reach out to lenders like Quicken Loans and they can help guide and ask you the right questions.

5 ways to get the money for your downpayment?

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What’s Forbearance and are more Home Foreclosure’s around the corner

What is Forbearance?

  • Part of the CARES act enacted in March of 2020
  • Allows home owners to defer 12 months of mortgage payments due to hardships
  • Was then extended 6 more months
  • Last time to Apply is June 30th 2021

Example: So if someone hard started forbearance in  April 2020, it would have expired April 2021 but now it is extended to October 2021

How to get out of Forbearance?

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Take On Me – Acoustic

Posted in Music, Video | Leave a comment

Clive Church- Star Trek

My grand uncle rocking it with captain Picard.

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Dancing: We are just robots

I got sucked in and then couldn’t stop watching as it got better and better

Posted in Art, Dancing, Music | Leave a comment

Witches On Tinder

Haha

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Relaxing Hanging Drum Duet

Makes me want to give that a shot.

How much are hanging drums?

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