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+--------+-------------------------+-------------------------+--------+--------+
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|00002f80| ff 44 b3 fd f2 20 b3 b3 | b2 ba ba b2 5c 20 5c fd |.D... ..|....\ \.|
|00002f90| f0 b3 ff 04 43 65 72 74 | 69 66 69 63 61 74 65 73 |....Cert|ificates|
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|000031f0| 20 b3 b3 b2 ba ba b2 5c | 20 5c fd f0 b3 ff 44 b3 | ......\| \....D.|
|00003200| fd f2 2f 20 2f b2 ba ba | b2 b2 5c c4 fd f0 b3 ff |../ /...|..\.....|
|00003210| 44 b3 fd f2 c4 2f b2 b2 | ba d0 fe c4 04 c1 fe c4 |D..../..|........|
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|00003230| d0 fd f0 20 43 4f 4e 54 | 49 4e 55 45 11 c4 d9 20 |... CONT|INUE... |
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|000034a0| ce 57 fd f0 68 65 72 65 | 20 74 6f 20 42 75 79 20 |.W..here| to Buy |
|000034b0| 43 44 27 73 ff 1f b3 fd | f2 ba 23 b2 b2 ba fd f0 |CD's....|..#.....|
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|00003500| 20 b3 b3 b2 ba fd f0 ff | 14 fd ce 46 fd f0 69 78 | .......|...F..ix|
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|00003530| 44 b3 fd f2 2f 20 2f b2 | ba fd f0 ff 44 b3 fd f2 |D.../ /.|....D...|
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|00003550| f0 c1 fd f2 fe c4 04 d0 | fd f0 4e 55 45 11 c4 d9 |........|..NUE...|
|00003560| 20 fd f2 c6 fe cd 35 b5 | fd f0 20 50 61 67 65 20 | .....5.|.. Page |
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|00003590| 14 fd 0f 20 4d 4f 4e 45 | 59 20 54 49 50 20 fd a0 |... MONE|Y TIP ..|
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|000035b0| fd f0 ff 04 fd a0 b3 ff | 32 b3 fd f0 ff 08 b3 fd |........|2.......|
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|00005df0| 20 74 65 72 6d 20 6f 66 | 20 37 20 74 6f 20 31 30 | term of| 7 to 10|
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|00005e80| 61 6c 74 79 2e 20 20 fd | f0 20 20 fd 2f ff 3c fd |alty.  .|.  ./.<.|
|00005e90| f0 20 20 fd 2f 20 20 53 | 6f 6d 65 20 4c 50 73 20 |.  ./  S|ome LPs |
|00005ea0| 74 72 61 64 65 20 61 73 | 20 73 74 6f 63 6b 73 20 |trade as| stocks |
|00005eb0| 61 6e 64 20 61 72 65 20 | 76 65 72 79 20 6c 69 71 |and are |very liq|
|00005ec0| 75 69 64 2e 20 20 57 69 | 74 68 20 4c 50 73 ff 03 |uid.  Wi|th LPs..|
|00005ed0| fd f0 20 20 fd 2f 20 20 | 74 68 61 74 20 61 72 65 |..  ./  |that are|
|00005ee0| 20 6e 6f 74 20 74 72 61 | 64 61 62 6c 65 2c 20 79 | not tra|dable, y|
|00005ef0| 6f 75 20 63 6f 75 6c 64 | 20 62 65 20 73 74 75 63 |ou could| be stuc|
|00005f00| 6b 20 77 69 74 68 20 6c | 6f 77 ff 08 fd f0 20 20 |k with l|ow....  |
|00005f10| fd 2f 20 20 72 65 74 75 | 72 6e 73 20 72 65 6c 61 |./  retu|rns rela|
|00005f20| 74 69 76 65 20 74 6f 20 | 6f 74 68 65 72 20 69 6e |tive to |other in|
|00005f30| 76 65 73 74 6d 65 6e 74 | 73 20 77 68 65 6e 20 69 |vestment|s when i|
|00005f40| 6e 74 65 72 65 73 74 ff | 07 fd f0 20 20 fd 2f 20 |nterest.|...  ./ |
|00005f50| 20 72 61 74 65 73 20 61 | 72 65 20 72 69 73 69 6e | rates a|re risin|
|00005f60| 67 2e ff 29 fd f0 20 20 | fd 2f ff 3c fd f0 20 20 |g..)..  |./.<..  |
|00005f70| fd 2f ff 3c fd f0 20 20 | fd 2f ff 2c fd 0a 20 4d |./.<..  |./.,.. M|
|00005f80| 6f 6e 65 79 20 fd e4 54 | fd 0a 69 70 20 fd 2f ff |oney ..T|..ip ./.|
|00005f90| 05 fd f0 20 20 fd 2f ff | 3c fd f0 20 20 fd 2f ff |...  ./.|<..  ./.|
|00005fa0| 3c fd f0 20 00 00 01 00 | 07 00 11 00 12 00 48 00 |<.. ....|......H.|
|00005fb0| d4 9a 39 8c 03 01 2f 20 | fd a0 da fe c4 15 fd 0f |..9.../ |........|
|00005fc0| 20 4d 4f 4e 45 59 20 54 | 49 50 20 fd a0 fe c4 14 | MONEY T|IP .....|
|00005fd0| bf fd 2f 20 20 fd a0 b3 | ff 34 b3 fd 2f 20 20 fd |../  ...|.4../  .|
|00005fe0| a0 b3 ff 34 b3 fd 2f 20 | 20 fd a0 b3 ff 05 49 66 |...4../ | .....If|
|00005ff0| 20 74 68 69 73 20 69 73 | 20 79 6f 75 72 20 66 69 | this is| your fi|
|00006000| 72 73 74 20 65 78 70 65 | 72 69 65 6e 63 65 20 77 |rst expe|rience w|
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|00006020| a0 b3 ff 05 63 6f 6e 73 | 69 64 65 72 20 4c 50 73 |....cons|ider LPs|
|00006030| 20 74 68 61 74 20 61 72 | 65 20 70 75 62 6c 69 63 | that ar|e public|
|00006040| 6c 79 20 74 72 61 64 65 | 64 20 73 6f ff 07 b3 fd |ly trade|d so....|
|00006050| 2f 20 20 fd a0 b3 ff 05 | 79 6f 75 20 63 61 6e 20 |/  .....|you can |
|00006060| 67 65 74 20 6f 75 74 20 | 65 61 73 69 6c 79 20 69 |get out |easily i|
|00006070| 66 20 72 65 74 75 72 6e | 73 20 73 6f 75 72 2e ff |f return|s sour..|
|00006080| 08 b3 fd 2f 20 20 fd a0 | b3 ff 34 b3 fd 2f 20 20 |.../  ..|..4../  |
|00006090| fd a0 b3 ff 34 b3 fd 2f | 20 20 fd a0 b3 ff 34 b3 |....4../|  ....4.|
|000060a0| fd 2f 20 20 fd a0 b3 ff | 34 b3 fd 2f 20 20 fd a0 |./  ....|4../  ..|
|000060b0| c0 fe c4 34 d9 fd 2f ff | 39 00 00 01 00 06 00 0e |...4../.|9.......|
|000060c0| 00 14 00 4b 00 d2 71 83 | 87 b4 01 f0 20 fd 2f ff |...K..q.|.... ./.|
|000060d0| 11 55 4e 50 52 45 44 49 | 43 54 41 42 49 4c 49 54 |.UNPREDI|CTABILIT|
|000060e0| 59 20 4f 46 20 52 45 54 | 55 52 4e ff 11 fd f0 20 |Y OF RET|URN.... |
|000060f0| 20 fd 2f ff 3c fd f0 20 | 20 fd 2f ff 07 4c 50 73 | ./.<.. | ./..LPs|
|00006100| 20 74 68 61 74 20 70 61 | 79 20 6c 69 74 74 6c 65 | that pa|y little|
|00006110| 20 73 74 65 61 64 79 20 | 69 6e 63 6f 6d 65 20 28 | steady |income (|
|00006120| 65 2e 67 2e 2c 20 6d 6f | 74 69 6f 6e ff 06 fd f0 |e.g., mo|tion....|
|00006130| 20 20 fd 2f ff 07 70 69 | 63 74 75 72 65 73 29 20 |  ./..pi|ctures) |
|00006140| 64 65 70 65 6e 64 20 68 | 65 61 76 69 6c 79 20 6f |depend h|eavily o|
|00006150| 6e 20 6c 61 72 67 65 20 | 61 73 73 65 74 20 73 61 |n large |asset sa|
|00006160| 6c 65 73 ff 08 fd f0 20 | 20 fd 2f ff 07 6f 72 20 |les.... | ./..or |
|00006170| 72 65 76 65 6e 75 65 20 | 66 6c 6f 77 20 62 65 66 |revenue |flow bef|
|00006180| 6f 72 65 20 70 61 79 69 | 6e 67 20 74 68 65 20 70 |ore payi|ng the p|
|00006190| 61 72 74 6e 65 72 73 2e | ff 0a fd f0 20 20 fd 2f |artners.|....  ./|
|000061a0| ff 07 46 75 72 74 68 65 | 72 6d 6f 72 65 2c 20 6d |..Furthe|rmore, m|
|000061b0| 75 63 68 20 6f 66 20 74 | 68 65 20 72 65 76 65 6e |uch of t|he reven|
|000061c0| 75 65 20 6d 61 79 20 63 | 6f 6d 65 20 66 72 6f 6d |ue may c|ome from|
|000061d0| ff 07 fd f0 20 20 fd 2f | ff 07 74 68 65 20 66 69 |....  ./|..the fi|
|000061e0| 6e 61 6c 20 62 72 65 61 | 6b 20 75 70 20 76 61 6c |nal brea|k up val|
|000061f0| 75 65 20 6f 66 20 74 68 | 65 20 61 73 73 65 74 73 |ue of th|e assets|
|00006200| 20 77 68 69 63 68 20 69 | 73 ff 06 fd f0 20 20 fd | which i|s....  .|
|00006210| 2f ff 07 61 6c 73 6f 20 | 76 65 72 79 20 68 61 72 |/..also |very har|
|00006220| 64 20 74 6f 20 70 72 65 | 64 69 63 74 2e ff 1b fd |d to pre|dict....|
|00006230| f0 20 20 fd 2f ff 3c fd | f0 20 20 fd 2f ff 3c fd |.  ./.<.|.  ./.<.|
|00006240| f0 20 20 fd 2f ff 3c fd | f0 20 20 fd 2f ff 3c fd |.  ./.<.|.  ./.<.|
|00006250| f0 20 20 fd 2f ff 29 fd | 0a 20 4d 6f 6e 65 79 20 |.  ./.).|. Money |
|00006260| fd e4 54 fd 0a 69 70 20 | fd 2f ff 08 fd f0 20 20 |..T..ip |./....  |
|00006270| fd 2f ff 3c fd f0 20 20 | fd 2f ff 3c fd f0 20 00 |./.<..  |./.<.. .|
|00006280| 00 01 00 07 00 10 00 12 | 00 49 00 ea a0 39 8c 1f |........|.I...9..|
|00006290| 01 2f 20 fd a0 da fe c4 | 16 fd 0f 20 4d 4f 4e 45 |./ .....|... MONE|
|000062a0| 59 20 54 49 50 20 fd a0 | fe c4 15 bf fd 2f 20 20 |Y TIP ..|...../  |
|000062b0| fd a0 b3 ff 36 b3 fd 2f | 20 20 fd a0 b3 ff 36 b3 |....6../|  ....6.|
|000062c0| fd 2f 20 20 fd a0 b3 20 | 20 42 65 20 77 61 72 79 |./  ... | Be wary|
|000062d0| 20 6f 66 20 4c 50 73 20 | 74 68 61 74 20 75 73 65 | of LPs |that use|
|000062e0| 20 65 78 74 65 6e 73 69 | 76 65 20 6c 65 76 65 72 | extensi|ve lever|
|000062f0| 61 67 65 2c 20 69 2e 65 | 2e 2c ff 03 b3 fd 2f 20 |age, i.e|.,..../ |
|00006300| 20 fd a0 b3 20 20 62 6f | 72 72 6f 77 69 6e 67 20 | ...  bo|rrowing |
|00006310| 63 61 73 68 20 65 71 75 | 61 6c 20 74 6f 20 6f 72 |cash equ|al to or|
|00006320| 20 67 72 65 61 74 65 72 | 20 74 68 61 6e 20 35 30 | greater| than 50|
|00006330| 25 20 6f 66 20 74 68 65 | 20 20 b3 fd 2f 20 20 fd |% of the|  ../  .|
|00006340| a0 b3 20 20 70 61 72 74 | 6e 65 72 73 27 20 61 73 |..  part|ners' as|
|00006350| 73 65 74 73 2c 20 74 6f | 20 69 6e 63 72 65 61 73 |sets, to| increas|
|00006360| 65 20 74 68 65 20 4c 50 | 73 20 63 61 70 69 74 61 |e the LP|s capita|
|00006370| 6c 20 70 6f 6f 6c 2e 20 | b3 fd 2f 20 20 fd a0 b3 |l pool. |../  ...|
|00006380| ff 36 b3 fd 2f 20 20 fd | a0 b3 ff 36 b3 fd 2f 20 |.6../  .|...6../ |
|00006390| 20 fd a0 b3 ff 36 b3 fd | 2f 20 20 fd a0 b3 ff 36 | ....6..|/  ....6|
|000063a0| b3 fd 2f 20 20 fd a0 c0 | fe c4 36 d9 fd 2f ff 3b |../  ...|..6../.;|
|000063b0| 00 00 01 00 06 00 0e 00 | 14 00 4b 00 ba 92 83 87 |........|..K.....|
|000063c0| b8 01 f0 20 fd 2f ff 13 | 44 49 4d 49 4e 49 53 48 |... ./..|DIMINISH|
|000063d0| 45 44 20 54 41 58 20 42 | 45 4e 45 46 49 54 53 ff |ED TAX B|ENEFITS.|
|000063e0| 12 fd f0 20 20 fd 2f ff | 3c fd f0 20 20 fd 2f ff |...  ./.|<..  ./.|
|000063f0| 03 54 68 65 20 49 52 53 | 20 68 61 73 20 61 74 74 |.The IRS| has att|
+--------+-------------------------+-------------------------+--------+--------+