It will be a shame - for investors like me who have not yet ever cashed in a bond - so I am not churning, but certainly the incentive for this investment are the FF miles I get from the transaction. I would only cash them in when I need them - otherwise it is a savings vehicle. So far, a better one has not come along. Compared to the stock market, I have not lost 1 penny of principle and it is paying better than my money market and cd's.

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Ms.DtG