A timeshare is a property 'ownership' arrangement where multiple individuals share ownership rights to a vacation property, typically for a specific duration each year. 

You do not "own" any property or share of profits from the property.

Will come with high upfront costs, maintenance fees, and other ongoing expenses. Remember the time value of money. 

They are difficult to sell, meaning your money is stuck!

 Timeshare value typically depreciates over time!

A whole life insurance policy is a type of permanent life insurance that provides coverage for the entire lifetime of the insured and includes a cash value component that grows over time.

Higher premiums (monthly payments) than term life insurance. (Chances are your SGLI is enough.) 

The cash-value component of your policy will likely grow at a slower rate than other investment opportunities. 

Whole life insurance policies often come with complex terms and conditions, limited flexibility, and significant surrender charges if the policy is terminated early.

An Initial Coin Offering (ICO) is a fundraising method used by cryptocurrency startups to raise capital. It involves creating and selling tokens or coins to investors in exchange for existing cryptocurrencies or cash. 

The lack of regulatory oversight and the relative ease of launching an ICO has also opened the door to potential scams and fraudulent activities.

There is a major difference in the technology and legitimacy of 'staple' cryptocurrencies like Ether and Bitcoin versus typical ICO opportunities. 

 Rug pulls are a common occurrence with ICO, this is when a creator of a cryptocurrency will exit with all funds after driving up the price of an ICO, leaving the value of the ICO at effectively zero.