best way to invest $75,000?

Quote from BigBuford : Anyways, I have been hearing of this deflation and gold coming down but it keeps going up. The key here is not how much it will go up but it will never do a deep dive where even countries are going bankrupt, forget about stocks.

pretty sure gold went into a deep dive in 2008. QE brought it back to life.

As for the guy who keep asking for what's deflation, again, people are usually speaking in general term. If you are talking about finance/economics, maybe looking up general def. of deflation in economics is a good way to start.

I'm investing in real estate and am paying 10% to my investors. Find somebody that knows what they are doing in real estate and invest in them.

I thing invest in gold & it business

Quote from skagway : I'm investing in real estate and am paying 10% to my investors. Find somebody that knows what they are doing in real estate and invest in them.

So, you're investing in investors of real estate? Isn't that the same thing as investing in an REIT? And you wouldn't get hosed 10%...I guess cutting out the layers/being closer to the action costs a premium in this instance.

Quote from 1stbuy : So, you're investing in investors of real estate? Isn't that the same thing as investing in an REIT? And you wouldn't get hosed 10%...I guess cutting out the layers/being closer to the action costs a premium in this instance.

No, I'm the one investing in real estate and people have given me money to invest for them. I the one paying them 10% on the money they have invested.

Quote from skagway : No, I'm the one investing in real estate and people have given me money to invest for them. I the one paying them 10% on the money they have invested.

I see. Ill play along.

So 10% goes to investors, and you'd get the same yourself (if you're equally invested). If you're not equally invested, then you are making money off OPM here and you're getting a managers fee of some sort either fixed rate, or you take anything above/beyond 10%. Managing such an fund/investment is a job in itself. Further, you are answering to others at the end of the day. I don't know how feasible such an option is for OP (or others). Lastly, you need to have contacts that are willing to invest/trust in your expertise in that sector.

It sounds more like a "Hey, look at me!" situation.

Quote from Superocean : PUT it all on OREX for the next few months until their new diet drug gets approved. ARNA just got their approval and they went from $2 to 11+...then now at about 8.50. Orex was cheaper and now in the $5.50 range Get it before it goes to the 8-9 range and sell it off for good profit.

are you kidding me?

Quote from barnz008 : I hope you realize the extent of what you just said here and how it makes no sense. Gold's value doesn't increase in dollars, dollars decrease in their ability to by real assets such as gold. When you see the price of gold at $2500, $5000, $10,000 you'll know the faith in the currency gold is priced in has all been lost or is being lost rapidly. Note that gold is at or near all time highs in every major currency in the world all while the central banks race to debase each other in a game of cat and mouse. Conversely, if you see gold go from $1500, to $1000, to $500 you'll know the opposite has happened. No body wants it and the value of the currency is expanding rapidly. One cannot speak of "deflation" in an of itself. What's deflating? Gold doesn't go anywhere. It's supply increases slowly over time. All that has been mined in history is still around. I'd say that's a stable asset. Stocks go to $0 all time time. Businesses go bankrupt, institutions fail, currencies come and go. I'm not making an argument to buy anything, only pointing out the flaws in this argument. Feel free to continue the debate if you want.

Well, I really wasn't trying to stir the pot (honestly), but seeing as how my post generated a response from you Barnz, I guess I'll at least try to clarify my point - because I think there is a simple answer as to why my ideas/message was confusing. Your line here really hits the nail on the head: "Gold's value doesn't increase in dollars, dollars decrease in their ability to by real assets such as gold." I fundamentally disagree with the idea that gold is a real asset, at least to any further extent than paper money is. I've always viewed "real assets" as things with intrinsic value. To me, I don't believe Gold falls into that category, at least to any greater extent than Paper Money does. Like i mentioned in my first post, gold does not, by itself, provide food, warmth, shelter, etc. And because of that, I don't view it as a real asset.

So if you say "Gold's value doesn't increase in dollars, dollars decrease in their ability to buy gold", I say that it is irrelevant which way you look at the relationship as both fiat and gold are on the same level in terms of types of assets. The whole point of my message was that I don't believe gold has any intrinsic value and so it would hold no worth in an anarchy scenario. Gold only has value because people say it has value - just like American Fiat. Its use in products is limited to jewelry and other cosmetic-type products. Which is another product category that will most likely not hold value/importance in an anarchy scenario.

Per your line: "Note that gold is at or near all time highs in every major currency in the world all while the central banks race to debase each other in a game of cat and mouse." I 1000% agree about the central banks and what they have been attempting to do recently, but I don't think that there is a perfect correlation between those bank's actions and the price of gold. I think its a large component, but I also think that some indeterminate portion of gold's run up is due to (always irrational) public investment sentiment that's been goosed along with all the commercials and stuff on television and every other public place.

I don't believe I ever discussed deflation so I'm not sure how to respond to that portion of your message. Just let me know. And I hope this clears up my views and that now you can make sense of my argument (in the context of my personal views).

Quote from 1stbuy : I see. Ill play along. So 10% goes to investors, and you'd get the same yourself (if you're equally invested). If you're not equally invested, then you are making money off OPM here and you're getting a managers fee of some sort either fixed rate, or you take anything above/beyond 10%. Managing such an fund/investment is a job in itself. Further, you are answering to others at the end of the day. I don't know how feasible such an option is for OP (or others). Lastly, you need to have contacts that are willing to invest/trust in your expertise in that sector. It sounds more like a "Hey, look at me!" situation.

I don't really know what you are saying.

Quote from skagway : I don't really know what you are saying.

Really not that complicated. I'll break it down for you.

1. You're raising money from people, and investing their money. Paying them 10% interest. Sounds like a high-interest loan.

2. In this process you are also making money somehow, right?

3. Are you taking an equal cut of 10%? Are you only managing their money and receiving a smaller % of the return?

4. You need contacts who trust you, and believe in your expertise. That's not easy for someone to prove unless they are IN the field itself and have a track record. And put time into it as well.

In other words, what you are saying, advising, is not feasible for most people.

Bottom line: You're bragging.

Quote from 1stbuy : Really not that complicated. I'll break it down for you. 1. You're raising money from people, and investing their money. Paying them 10% interest. Sounds like a high-interest loan. 2. In this process you are also making money somehow, right? 3. Are you taking an equal cut of 10%? Are you only managing their money and receiving a smaller % of the return? 4. You need contacts who trust you, and believe in your expertise. That's not easy for someone to prove unless they are IN the field itself and have a track record. And put time into it as well. In other words, what you are saying, advising, is not feasible for most people. Bottom line: You're bragging.

I don't really get how you feel I'm bragging . All I was intending in my original post is that I pay 10% return on investments. It's simply a solid return on your money (that most people would feel great about) and that the OP should seek out people in his community, that he can trust, to get the same returns.

How does that come across as bragging?

Quote from heavylee : Pay off any consumer debt you have. If you have a balance on a credit card that charges 15% interest, then you make 15% interest by paying it off.

i dont pay interest on credit cards. all balances paid.

i have student loans for 100k though from law school.

Quote from Switching2Geico : i dont pay interest on credit cards. all balances paid. i have student loans for 100k though from law school.

I'd put 75k on your student loans and delay your house purchase then.

You'll disagree, but that's the financially wise decision.

Quote from vaultaddict : I'd put 75k on your student loans and delay your house purchase then. You'll disagree, but that's the financially wise decision.

I actually don't disagree.

Everyone else does. Because my interest is relatively low 6.8, ( i consolidated all loans using special loan consilidation plan from obama), and since i am on income based repayment, if i pay the minimum payment for 20 years, the remainder is forgiven.

Additionally, while this far fetched now, I would not be surpised that if in the future, their is a student loan "modification plan" or forgiveness plan similar to homeowners and mortgage. The government may step in to assist students with federal loans.