Too Good To Be True?
I get plenty of junk emails, and I usually just delete them.  One caught my eye this morning.  Here is a partial reprint of the email, touting the product's highlights:

Product Features & Highlights:

 - Senior Secured Bonds for safety-
    these are NOT promissory notes !!

 - Interest rates:   6% for 1 year
                             7% for 2 years
                             9% for 3 years
                             12% for 5 years

 - Interest paid quarterly

 - BD Commission:  4.5% on 1 year bonds
                                       5.0% on 2 year bonds
                                       5.5% on 3 year bonds
                                       6.5% on 5 year bonds

Look, a CD equivalent!  6% for one year, and it pays a 4.5% commission that can probably be renewed every year.  Everybody's a winner!