The truth is the OP never said who that "someone" was in his post. He never said he borrowed it from a bank. If someone (uncle Ned who's a millionaire, who cares?) gave him $25k without any terms or conditions, they're the fool.
How to Start Living a better Life
1) Have Expenses <<< than your income
2) Invest your money to increase you passive income
3) Get your free time back to develop better relationships with those you care about!
4) Find inner peace from your past, for your future, and for your happiness with freeing your chains in the present!
5) Start questioning the Media and Government, to make sure they are generally on a right path for existence and moral standing.
If someone gave you a loan for $25k w/ 0% interest but you had to return the money after a year, how would you invest the money?
Invest in short-term stocks or buyout candidates. VRNG, CLWR, CALL, are all undervalued currently. Don't listen to vicioustide and his rant about passive income....
Buy LVS, or a growing capital company (small to mid size) you have researched intensely that is on a strong dip, then Sell when it has grown 10% in stock price from initial purchase price. Don't be too greedy, but if it's a quick spike, it may go up for a few days as the emotions of the greedy buy more and more as prices go up.
This may happen in a few weeks to a few month, just be patient and use your knowledge of what makes up the strong fundamentals of a growing company.
Bam 10% of $25k in sometimes less than a month for $14 in transaction costs. (minus time spent researching said fundamentals of various companies and watching them, waiting for dips, or collecting dividends with your stache as you wait for dips.)
Focus on saving and working hard to earn more income actively and passively, before you start investing, but go ahead and begin researching everything and reading passionate blogs about savings and investing.
$2500 every other month is a pretty possible and very nice return.
Warning: you may lose money if you sell in a panic, cough* everyone in 2008 who sold/or didn't buy extremely low. Most of the Media is lies and Hype and Fear, just like Governments to hold and control their citizens.
Of course there are many other investments and all sorts of strategies out there.
Another note to make:
I would only do above after you are out of all debts, have a decent emergency fund to cover very frugal needed emergency living expenses of about 6 months (example living on $1k a month/person and saving $6k-$12k dollars based on current stability of your/their employment).
That way this investment money is purely for reward, and is not dependent on you, plus you are rid of all the attached fears that would come with you needing this money.(like panic investors who need to drink everyday and are close to defaulting on their overpriced mortgages)
A lot of people place investment money into 401ks for tax savings purposes, especially as taxes are rising, but who is the government to say that you will live to be the age the restrict upon you for retirement?
They want you to keep working at jobs, because they depend on you to survive. 401k fees take out 1-3% a year, and only offer you returns of 0.01% to 6% year. It doesn't even cover inflation.
Another path, is to invest extra money in the things you have researched and believe are great investments worth the risk. This way you are in control and not paying "experts" tremondous fees or commissions for giving you their commercials, plus not locked up in some fund that the Politicians get to decide on it's fates, or the 401k Hedge Fund managers get to decide to increase fees upon your locked away money, as they pass all the risks onto you as they play with your money, take all the rewards, and fee you at the same time.
Life is greener where you water the grass.
You are an idiot, and everybody in the Finance forum knows it. Why do you keep trolling here?
What makes up the strong fundamentals of a growing company? This is the secret sauce that everyone wants to know. You make it sound too easy.
Do not listen to that buffoon. He is the same person who stole gift cards from bestbuy yet he is not almost a millionaire and retired from PASSIVE INCOME...
This entire thread is stupid. 1 year time horizon is not long enough to invest in anything else but the bank.
I can list off many stocks that are short term or buyout candidates.
Cough*Cough* LVS July 30th, 2012, $37.54/share to Present day $53.49, (+ $3.25 in dividends/share )
You retired/FI yet?
Just think if you would have bought it on March 9th. 2009 for $1.77/share. Not including dividends or splits (I didn't see any, but I'm lazy), that $25k would be $755,508 today.
Yeah, don't listen to ViciousTide... He is full of it.
Anyone can look at the past 12-month history of a stock and rattle of hundreds that you SHOULD or COULD have bought. But that doesn't mean jack squat unless you did. For every stock that's doubled in value over a year, there are at least the same number that have lost 50% of their value. There is no such thing as a sure thing, and hindsight is always 20/20.
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