If Citi Group can play this game, So can you.

Fairly simply game, 1/4 buys a put, 1/4 buys a call, all with 18% factored in. another 1/2 is the money they bollow from you to bet on the market. Don't you know everybody (Oops, not you) plays this kind of game when you learn Options 101?

Better yet (for them of course), they may save their losses in the secondary mortgage.

To you, it's a better choice to bet on the market than any other known financial vehicles combined. CD is too boring, Long on Stocks, bonds and MFs can't avoid the down turn risks. Unless you have at least $10 million, you won't get the same cost as Citi gets, plus you don't have the time to nevigate the market. This one with international ingredients would make you preserve your principal, the best of all, would give you a good night sleep.

Read your prospectus carefully (if they fail to provide you one, let me know and we could both make more money than our life savings combined), and you know what kind of game you are into. The trick is to get ready to bail it out when it either moves up to 16-17% or down 16-17%. Remember this types of game have been played for quite long. So it should be surprising the professionals.

What's your risk? Next to none. Not unless Citi fled and disappeared, or claim bankrupcy. Kidding - wrong?