Report from a civilizational observer on Earth

Abstract

Different tips, tricks, and notes on optimizing investments are proposed. Firstly, some websites list high-interest FDIC-insured savings accounts and help open and manage them. Secondly, it is recommended to keep an eye on the borrow rate of stocks when considering an investment. Suggestions are also given on how to use CDs and savings accounts for extra risk-free return, how to avoid capital gains, how to use box spread financing, and how to negotiate with brokers. Other diverse pieces of advice include possibly reducing market exposure during periods of volatility and considering investments such as tax-lien certificates or peer-to-peer loans. Lastly, if one’s intention is to eventually donate money, using a tax-deductible entity for investments could be profitable. – AI-generated abstract.