Hit the LIKE button for the love of half iced tea and lemonade

@dianevoysey9665

11 ай бұрын

😂

@sebluketravis2438

10 ай бұрын

Love your videos Humphrey. Do you know much about UK property market (residential) - and the Bank of England IR?

#1 Real estate #2 Commodities #3 Stocks #4 Collectibles #5 Businesses

@stingr5626

Жыл бұрын

Also he mentions that savings are good at the end of the video if you’re not comfortable with the risk.

@serg1319

Жыл бұрын

❤❤❤

@humphrey

Жыл бұрын

Yep thanks Sting R!

@stingr5626

Жыл бұрын

@@humphrey you are very welcome

@noorezmimahno179

Жыл бұрын

🎉🎉🎉

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.

@ritalorrigan

9 ай бұрын

investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.

@LukeMcfarlane5

9 ай бұрын

@@ritalorrigan This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?

@ritalorrigan

9 ай бұрын

Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $486k in the last six month. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently….

@KevinClarke9

9 ай бұрын

@@ritalorrigan wow ,that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio

@ritalorrigan

9 ай бұрын

The adviser I'm in touch with is Christine Jane Mclean She works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me her strategy works hence my result. She provides entry and exit point for the securities I focus on.

As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have about $700k amount of capital to start up but I have no idea what strategies and direction I need to approach to help me make decent returns

@louis71350

9 ай бұрын

To be on the safer side and not second guess your market decisions, I’d suggest you reach out to a proper investment adviser for guidance, they’re better equipped at understanding market patterns/movements and adjusting portfolio to match up with these market trends.

@PotBellyPete69

9 ай бұрын

Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?

@louis71350

9 ай бұрын

My consultant is Sharon Louise Count She has since provide entry and exit points on the securities I focus on. You can look her up online if you care for guidance. I basically follow her instructions and haven’t regretted doing so

@PotBellyPete69

9 ай бұрын

Impressive, i’ll most definitely check her out. I buy the idea of employing the services of a Financial Advisor because finding that balance between saving and living requires counsel.

@loafofgoats7793

9 ай бұрын

This the worst of these scams I’ve seen.😂 700k in starting capital and wondering how to be a millionaire?! You could damn near put that shit in a toilet and become a millionaire before year end

Insightful video. I just want to know best how people split their pay, how much of it goes into savings, spendings or investments. I'm 27, and earn nothing less $150k per year, but nothing to show for it yet.

@kashkat987

10 ай бұрын

When people have money, they spend it. And some people spend more money when they have more of it. If you want to improve your financial management, you should consult with a financial advisor.

@sommersalt88

10 ай бұрын

@@kashkat987 That's right, you can avoid the traps of lifestyle inflation by consulting an expert advisor to help you plan for your short- and long-term goals; it all comes down to proper guidance. Over the past two years and six months, I have seen my income build wealth and now have a fully paid off house and at least $650,000 in stocks. All this is the result of subsequent investments with my savings and the application of expert advice.

@MatthewVinson

10 ай бұрын

Nice, who is the Financial Advisor aiding you if this is not much i'm asking? my retirement plans are going down the drain with my 401k particularly losing everything it gained ever since 2021.

@sommersalt88

10 ай бұрын

Her name is "JILL MARIE CARROLL", can't divulge much. Most likely, the internet should have her basic info, you can search her online as she is SEC and FINRA regulated.

@MatthewVinson

10 ай бұрын

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.

@LeonardoScott

9 ай бұрын

Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge

@EmiliaAbelard

9 ай бұрын

Very true. Despite having no prior investing knowledge, I started investing before the pandemic and pulled in a profit of approximately $950k that same year. In reality, all I was doing was getting professional advice.

@codeblue11

9 ай бұрын

Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

@EmiliaAbelard

9 ай бұрын

There are a lot of independent advisors you might look into. But i work with Viviana Marisa Coelho and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her.

@dianarabbanii2

9 ай бұрын

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

Always having cash on hand is never a bad thing. It's flexible, it's anonymous, and you can buy anything with it. I have never run into somebody who said, "I have too much cash on hand."

@lotto5742

Жыл бұрын

Until their bank collapse and their money is only insured for $250k, assuming they have over that amount.

@dem890

Жыл бұрын

@@lotto5742😢 i don’t even have more than 100k let alone 250k.. so my safest option here is saving with high interest + 401k + my house 😬… idk how people have more than 250k on their accounts…

@jth_printed_designs

Жыл бұрын

@@lotto5742 Very easy to just have 6 different accounts resting at 235k and dumping the interest out of them every now and then

@joelrobert4053

Жыл бұрын

Until you lose it

@loualex6925

Жыл бұрын

There are basic savings account for 1.5% monthly interest, imagine you have 68k in account, you have 1k extra every month for you to use

Taking early notes from Warren as to the importance of sound asset diversification and risk management It can’t be overstated. I’ve been trying to grow my portfolio of $300K for sometime now, I would greatly appreciate any other suggestions.

@McElvinn

10 ай бұрын

It's more challenging to create a strong financial portfolio, so I advise you to get help from a professional. You can then receive strategies that are specifically suited to your long-term objectives and financial aspirations.

@sheltonPston

10 ай бұрын

Quite true! You don't necessarily need to be a flawless investor; all you need to do is seek advice from an expert. I began investing in 2016 and pulled a profit of roughly $900k that same year despite having no prior investment knowledge.

@Blitcliffe

10 ай бұрын

Due to the significant falls, I need advice on how to rebuild my portfolio and develop more successful tactics. Where can I find this advisor?

@sheltonPston

10 ай бұрын

Nicole Desiree Simon is my advis0r. She has since provided entry and exit points on the securities I concentrate on. If you want to check her out, you may do so online. I usually trade in accordance with her strategy

@Blitcliffe

10 ай бұрын

I just checked her up online, and I must admit that she has an extremely outstanding experience in investment. Thanks for sharing. I'm going to send her an email right away

I’m currently retired, and considering the current rollercoaster nature of the stock market, I decided to stay on the sideline for awhile, now I’m worried with the numerous bank failures as of late, am I better off reinvesting my savings in the stock market or do I wait?

@shirleneunglesbee1423

Жыл бұрын

Given the prevailing market conditions and the potential risks associated with the current economy, I would recommend refraining from investing in stocks for now. Instead, it would be prudent to consider retaining a portion of your assets in gold. Alternatively, seeking advice from a financial advisor could provide valuable guidance in this matter.

@gagnepaingilly

Жыл бұрын

@@shirleneunglesbee1423 true, A lot of folks downplay the role of adviisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $275k to approx. $850k so far.

@gagnepaingilly

Жыл бұрын

@@kansasmile It's best you do your due diligence, I have my portfolio overseen by ‘JILL MARIE CARROLL’ and her qualifications speak for itself. Most likely, the iinternet is where to find basic info, she has a noticeable page for consulting.

@baileymclean8186

Жыл бұрын

@@gagnepaingilly just searched her full name on my browser out of curiosity, spotted her consulting site without sweat, very professional. thanks for sharing!

@vincewoo3415

Жыл бұрын

Why not put your cash in money market funds? They give you almost the same high yields as savings and no worries on bank bankruptcy

Food for thought: Place a sizable portion of your capital/savings in fixed-income securities like treasury bills, corporate bonds, government securities, debentures and let it grow. It will take you far I promise.

@kristennn850

Жыл бұрын

If one has a problem saving maybe because of a tight budget or something then there would be nothing to keep aside to in vest in the first place.

@kevincooper0

Жыл бұрын

@@kristennn850 I understand the situation isn' t quite the same for every one but it's very important to cut your coat according to your size and find contingent ways to save, then you can find the best options to in v est that money. It's possible for anyone.

@annMarien

Жыл бұрын

@@kevincooper0 Well if you put it that way it makes a bit of sense. It's realistically achievable. If one finds it hard to do this then they could always get a planner, it will save them a lot of poor decisions. They can setup feasible plans for you to save up, plan well for the future & retirement.

@kristennn850

Жыл бұрын

@@annMarien Well the idea doesn't quite sit well with me, letting another person manage your money for you plus did I also add it costs money too!!

@annMarien

Жыл бұрын

@@kristennn850 No dear, true planners are mainly just advice givers and schematic on paper planning, they don't hold your money for you, it remains with you. All you need to do is follow the strategies they give you.

Your videos are awesome. I appreciate these in depth explanations.

A hands on practical skill. Not a hard asset, however, roofing, plumbing, electrical, etc are skills that can save thousands and add thousands to real assets. They are also inflationary hedges due to the fact that people will always spend to protect their real assets, hence higher prices for services rendered.

@humphrey

Жыл бұрын

Great point

My parents (and really, their whole generation) was typically cash heavy. In learning about personal finance the last 10 years in our journey of undoing previous problems and working towards a future, cash is more important than what most of my generation believes. 1) Have enough cash on hand for 3 months of expenses. If you are hurt, or lose a job, or generally have to deal with a normal life problem, then typically you will be 3 months away from getting back to a normal situation. I work in a field of volitile employment, and my wife has a small business, so we are aiming closer to 6 months because we have more risk than normal... But for most people 3 months should be plenty. 2) have enough cash for planned expenses. We have a 25 year old HVAC system... It won't last forever, so we are saving up for this planned expense. This is outside of our emergency fund. We also have older cars, and while they are fine (I'm in denial they are not fine lol), we need to save up for their replacements soon. Point is, knowing the age of your stuff, and having a realistic idea of costs, should be saved up for so that normal problems are easily afforded and don't derail the emergency fund that is for emergencies. 3) there is nothing else.dont hold cash! Cash is inherently deflationary, so it always looses value. Investing diversely in the economy will ensure that you are always pegged with the economy. As things inflate, your assets will inflate.

@jkgkjgkijk

10 ай бұрын

Cash is a primary factor in determining net worth and class station; but, the cash value of safer alternatives is, as well.

@MrOiram46

7 ай бұрын

Get an old, well-maintaned Toyota, it’ll last forever with basic maintenance instead of major repairs 🤣

@janejustin1788

7 ай бұрын

that's why you need an emergency fund account for cash

If you're going to consider leveraged profit, you also need to consider the cost of leverage. If the interest rate is 5%, then that offsets the 5% capital appreciation

Great video!

I found your channel six months ago and I've been trying to catch up on some of your videos. You've helped me understand my finances towards a better future. Thanks for all the advice.

Always a great day, when Hump Gang produces another banger! So much WOW!

@humphrey

Жыл бұрын

ty!

Regarding RE: Yes, appreciation happens greater than CPI, but how does it compare *after* taking annual property taxes into account?

Can you do a video on High Yield Savings account

Excellent video Brother

Thanks for the info! You should drop some videos around investing in real estate for the first time/etc!

@humphrey

Жыл бұрын

I want to do that once I get into real estate and take you along my journey. Im looking for properties right now, perhaps even distressed commercial ones, cheaper ones...

Are there some places you recommend to get information on what dividends are for company stocks? I know its a lot to ask for, but if there was a place to see ALL of the available dividends from each stock that would be very useful. I have only found people claiming which 5 or so are the top dividends for regular and ETF.

Never buy collectibles to get rich. Buy them because you enjoy them. That way you will never lose.

The reason for the spike of M1 supply in 2020 was because of the change in definition of M1, which started to include some liquid savings accounts

Great video, thanks.

@humphrey

Жыл бұрын

np!

best advice ever

Banks are giving as much as 5% interest rate. We are in bad economy. Holding cash in the bank is by far “the smartest thing to do” in today economy and yes hold it in bank that give good interest rate

The problem with gold is hiding it well enough that burglars can’t find it. But also hiding it so well that you can’t find it. 😂

@dukehober9591

Жыл бұрын

it also tarnishes

@invest4k

Жыл бұрын

Also, gold bonds lol

@humphrey

Жыл бұрын

hahah

@thooke222

Жыл бұрын

​​@@dukehober9591 no it doesnt actually. Silver does.

@Moses_VII

Жыл бұрын

@@thooke222 Yeah, gold is not reactive.

There is a lot of expenses with owning a home, Like property tax maintenance etc

@triple_gem_shining

Жыл бұрын

There's a lot of expenses for holding cash like inflation 😅

@vxnova1

Жыл бұрын

@@triple_gem_shining just saying that 25k you made on the house is 25k - property tax, insurance, maintenance, etc, Also that 500k for the house may not be 500k like in 2008 or 2009, It could turn into 400k or even 300k, Also when selling house that’s another 6% so - 30k in fees,

@Midwest..

Жыл бұрын

Rental property 🏠 then you don't pay for anything

@LUXURYPREMIER

Жыл бұрын

@@Midwest.. you pay rent all your life, pay someone else mortgage and you own nothing.

@LUXURYPREMIER

Жыл бұрын

Pay rent all your life and building that persons wealth and you own nothing in the long run. So renting ain’t much better

Dude, you're the greatest!

Literally the majority of the inflation is due to companies greed not the fact their is more money.

Collectibles are a good place for some cash. BUT, you really need to either be intimately involved in that particular collectible market or do A LOT of research. People get burned all the time because they think they have found a wave to ride, just to be left holding a bunch of stuff nobody wants. There are three major 'dials' that affect collectibles: Rarity, Quality, Demand. If you can max out all three, then you stack the odds more in your favor. But, Like HY stated... liquidity can be a problem. Great vid!

@humphrey

Жыл бұрын

Exactly, yeah! Thank you. Now I wish I had a pokemon charizard psa10!

Good vid as always

@humphrey

Жыл бұрын

thank you so much

Where Can i get started in investing into gold and silver?

Would you be able to recommend books about personal finance? I’d really like to hear what’s is your favorite books are?

@humphrey

Жыл бұрын

I like the one by Ramit Sethi, I Will Teach You To be Rich.... has very practical advice all around

We need to get the man a coaster for that beverage! For the table’s sake.

Very sensible overview. I've also had good results with companies like Groundfloor, which are good for people who don't want to fully dive in on real estate, but still get a piece of the action. And of course, economic downturns are the best time to be grabbing ETFs to hold for the long term.

What about target date funds

I find it incredibly difficult to find gold at market value. It's ALWAYS overpriced because of the cost of turning it into a fancy little bar with text stamped into it. It's not a good investment at all. Imagine buying a stock, but there's a $1000 processing fee for each stock. That's gold.

What is your opinion on money market?

Oh I didn’t know US has diverse bank products such as high yield savings

Could you make videos about Certificates of Deposit and Paper Trading?

@humphrey

Жыл бұрын

what do you want to know about CDs?

@a-a-ronl

Жыл бұрын

@@humphrey their purpose and how they work, pros and cons, when to utilize them vs stocks, bonds or just sitting on cash…

@kevinshah4315

Жыл бұрын

@@a-a-ronl same. When to consider a CD vs a HY savings account given the current APY rates?

@Almosteasyese

Жыл бұрын

​@@humphrey maybe a comparison between the strengths of CDs, money market funds, high yield savings accounts would be really informative

On the real estate you need to take into account the interest you’re paying in the $400K mortgage balance. Hopefully you can rent the second home for more than the mortgage and then sell for a profit

in Texas with 3% property taxes and high home owners insurance you are not gonna make that much unless you own the home outright.

Can someone explain why Vanguard charges a min on Index Funds and none on ETFs? I was just curious to which one is better. I can afford the 3k minimum. Any advice would be helpful, thanks.

@humphrey

Жыл бұрын

I think its for economies of scale purposes, like vanguard wants certain amounts to make it worth it for them to manage an index fund. I just assume an ETF is less managed.

@ragequitdiary8203

Жыл бұрын

Mutual/Index Funds are actively managed (beating market return, tax optimization, etc) so there's people that Vanguard has to pay. ETFs are passive since they just mimic an Index (SP500) and less managed, hence less fee. Performance wise they're similar but Vanguard is the pioneer of low cost ETFs and that's what most people use Vanguard for. If you want fee, there are actively managed fund (ie: Berkshire Hathaway class A or B) that you can blow your $ on.

@keithlynn6210

Жыл бұрын

@@ragequitdiary8203 Thank you!

@JTMORRISSEY1

10 ай бұрын

They have index funds and etfs that are exactly the same in terms of their investments. In fact the index funds have lower fees in many cases. The difference is if you want to trade in and out, this is best done with an etf which is liquid all day, you will trade it with a market maker. The index funds funds you can only enter and exit at certain times each day and you will get in or out for NAV. You also might prefer the tax treatment of one over the other. There is a certain amount of admin work for vanguard associated with an index fund, perhaps this is why they have minimums. The differences are minute and largely speaking there is a very limited difference between the vanguard index fund and etf if they each track the same index passively.

cash is king when volatility strikes in these other assets.

The problem with collectibles is trying to get rid of them when you want to. Niche items require the right audience. I'll just keep it to cds and stocks.

@humphrey

Жыл бұрын

agreed

@Ethan-pd7nu

Жыл бұрын

I am big into collectibles and markets are down across the board. The time to dump was last year or end of 2021.

Awesome vid

What if I have a savings account that has a 4% interest rate? Is that worth it.

The one with the least risk is collectibles.

I have $100,000 in cash hoping I could buy a home! But interest rates and prices keep going up! I plan to rent my current paid for home for $1,800 per month. This cash flow would help pay the new mortgage but yikes $2,600 a month still seems high for me. I understand out of pocket would be $800 assuming my tenant always pays.

I have 50k sitting in the bank. It was supposed to be my down payment on a. Home but that's a pipedream now in my area. I'm not sure what to do with it so just gonna stick it ina. 12 month CD for now.

Remember, its not about timing the market, its about time in the market.

@humphrey

Жыл бұрын

yes sir!

@Moses_VII

Жыл бұрын

Patience is the way to get rick, and it is never quick. Getting poor quick is much more likely for those who lack patience.

@gg80108

10 ай бұрын

and realizing that as you approach Retirment there is no long term to recover.

Wow bro, what kind of posters did you used to sell?

@humphrey

Жыл бұрын

maps!

Is AirBnB a good business to put your money into?

my only advice is to buy a collectible you like not one you plan to flip, I have been sitting on a top pop grade 2021 Morgan that I got for a good price and I have been sitting on it for almost 3 months.

In metro cities esp. the Bay Area there's no room for appreciation in real estate with people willing to pay so high in recent years, end up screwed with not much equity in the long run considering high rates, cali taxes, mello roos, hoa and only 20% or less dp and may lose equity if you can't sell at break-even after broker fees

Great information!

@humphrey

Жыл бұрын

thx Manny!

Would reits fall under real estate or stocks?

@humphrey

Жыл бұрын

real estate

I put some money in cds a few months ago.

@humphrey

Жыл бұрын

Thats also good and low risk!

What is your opinion on REIT?

@humphrey

Жыл бұрын

REITs are great, I just dont have too many of them in my portfolio rn, Im looking to acquire tangible real estate soon

Thanks for being honest about your crypto portfolio. Most people dont realize that the people showing how they put thousands in these coins are only putting a small percentage of their total money in there.

Are money market funds not a thing in us?

Gold and Silver, and Silver and Gold.

how much cash is too much ?

Legit video

Housing prices are dropping rapidly now in my country

Example of $100K down on $500K Home that goes up by $25K is offset by the realtor who will charge 6% on $525K to realize a loss of $6.5K. Not to mention all the other fees and costs of listing the home.

There are some commomnmistakes in logic here with Real Estate. Because of property taxes (and other costs which vary by type) RE is a liability not an investment. Even if the value increases more than your accumulated holding costs (which is rare people just conveniently dont count it) you have transfer costs, commissions, and other possible tax costs depending on RE type that further erode any possible profit when trying to realize it. you could borrow against it and leverage further investments but trust me not worth it. If you do the math Realistically (which for some reason nobody does thereby Pretending they made more money than they actually did) all types of RE are bad investments compared to the opportunity costs of other options.

I like Collectibles as a option, no one talks about that.

My videogame collection has outpaced my stocks in percentage growth the last 3 years. Starting to come down a bit but I could easily buy a new car if I liquidated my games.

I watched one of your videos about buying a car, now I know that I don't need to splurge on a big SUV. Maybe I will use that money to go on real estate instead.

@humphrey

Жыл бұрын

love that

Things you need to buy. Stash toilet paper, non perishable food, disposable razors, tooth paste, water, fertilizer, wood, cement. These are all better than gold as a store of value.. provided you don't have millions of dollars to store.

80% of my money are in low risk treasury bonds. I gained about $1k in one year.

Everything you said is good except collectibles

Carter Worth one of the best market technicians in the industry showed a chart of gold since year 2000. Gold has performed better and went up higher than S&P 500 during that same time period.

I'll never forget a yugioh prize card I bought for like... $50, and sold a few years later for $550! XD

Been hoarding sealed product Pokémon cards all year long

CD account at 4.35 is real deal

@humphrey

Жыл бұрын

ikr

Get life insurance to protect your assets

i’m afraid of buying real estate 2/2 upkeep, risk of bad tenants, etc

Market controls price not the seller

@humphrey

Жыл бұрын

a very Bill Lumbergh-esque quote!

Poor, poor Humphrey. (The beanie baby)

i chose to sell some stock, take the earnings and now the money is sitting in my brokerage accout making 4.5%. i'll start buying back into the market at the end of the year.

@Username_CC_

Жыл бұрын

Market will be up another 10% by then

@humphrey

Жыл бұрын

keep us updated on your journey!

Buying houses for rental properties, while nice for a passive income, is damaging to the rest of the people who want to buy a house to live in. The price of housing in this country is getting out of hand, and residential investment properties are a big part of it.

We always go to real estate yes 1970 that was the case today real estate harder to get then winning $1 million at the casino

@humphrey

Жыл бұрын

Ive only been to the casino a few times ,never gamble too much

Collectibles 👀

Luxury watches especially rolex hold their value very well

10% goes to my taxable stock account, 10% into crypto (all staking) and 10% in my pokemon collection account. I shit you not, pokemon year over year wins every time haha

@DragonRider520

Жыл бұрын

I have a friend who is a huge pokemon fan. He has a card that he got for $2000 like 1.5 years ago and its worth $85,000 now. His entire collection is worth $400,000+

That m1 spike is a change in the definition of m1, not a change in the money supply.

@humphrey

Жыл бұрын

ty ty

Can Yang Cook?

Investing is good 👍

Keeping money in the bank is the same as paying the government and banks. This is how it goes: The bank lends you the money and charges interest that is manifestly higher than the rate of inflation before giving you, the depositor, interest that is lower than the rate of inflation. Your loss is net as a result. I enjoy investing because of this, and on average, my wealth manager consistently generates returns that are higher than inflation!

Lol. None of these are safer than cash. Smarter long term, yes. High yield savings at 5% is the safest, which you didn't even mention.

@humphrey

Жыл бұрын

I say that at the end, but yes, HYSA is the safest

@vulpixelful

Жыл бұрын

Losing principal isn't the only risk. Losing value due to inflation is also a risk so his picks were fine

Love how he never talked about interest you would pay on 400000 dollars you dont make 25k.

That 25% return on real estate it's pretty disingenuous. You have to be paying 0% interest on the other $400,000. With 30 year rates north of 7% and that for many people their primary residence is a large part of their net worth, investingbin real estate doesnt look so good

Gold (and Silver) is not finite. More and more gold is being mined all the time. It is a poor long term investment.

Hell yea pokemon cards.

I never trust the stock market during these days.

i'd let my cash sweep itself and collect 4.9% APY :)