You don’t lose money when your cash is sitting in a 9.5% CD.   

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Cd rates still above 4% 

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> Look at all the subscription forms you have for music. Video and so on. People are not torrenting anymore. Nope. What you mean is "grandma isn't torrenting anymore." There will always be a portion of people that pirate. Software companies know that there's a certain % of people that will get the game/movie/show/music/book no matter what. The goal is to keep that % small. The pendulum swings back and forth. In the glory days, I paid for Netflix and it was fantastic to just have everything there without needing to go download it. Once it shattered into 100 different streaming services, I pulled out my eyepatch and peg leg and went right back to sailing the seas. We've gone from "don't copy that floppy" to asking for the 5th word on the 3rd page of the user manual. From passing around the Windows 95 CD to activation codes that were verified online. From Napster to fake names on files that were audio garbage in Kazaa. From one time keys to always on verification. From ripping DVD's to HDCP violations when you have a bad HDMI cable for BluRays. From game cracks to Denuvo to Empress's schizophrenic rants about gender, but that same schizophrenic mind being able to decode the Denuvo encoding. The battle will never be won, but that doesn't stop companies from trying to make it more difficult.

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Remember that time I got nervous and decided to put my money in a CD 🤦‍♀️

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Sell all and buy 6-month CD at 4%.

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