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* **Follow Traffic Laws:** Obey all traffic laws, including traffic signals, stop signs, and lane markings. Ride predictably and signal your turns.
Let's put it into an example. Imagine you invest in an FRNID with a $100,000 face value, a three-year term, and a rate of SOFR + 1.00%. If SOFR is at 5.00%, the FRNID will initially pay 6.00% interest. After three months, if SOFR rises to 5.25%, the FRNID rate adjusts to 6.25%. Over three years, you'll receive interest payments based on the quarterly-adjusted rate. If you need the money after one year, you can sell the FRNID on the secondary market. If interest rates have risen, the FRNID may sell for a premium. If they've fallen, it might sell for a discount. At maturity, you get your $100,000 back. That's the power of FRNIDs in action!
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