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NFI is high risk. Some people I know and respect have done very well with it and feel they understand it well. But I'm not as smart as they and can't feel comfortble, so I've stayed out. I wouldn't recommend it to anyone who can't read and understand it's quarterly filings, business model and business risks.
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That problem of understanding their business model and quarterly earnings is easily solved:
NFI Investors Site
Chock full of info in NFI earnings and business model.