Need investment/financial advice

The Roth IRA stuff is very good advice.  Definitely that is the structure you should use to the maximum.

Don't listen to the people that say you should set up a meeting with a "professional".  For the most part, the "professionals" that would meet with someone on your level are just salesmen.  They'll give you the same thing that you can get on your own and charge you a hefty fee for it. 

You really need to find a mutual fund with very low fees and no load.  I'd recommend an S&P 500 index fund.   Vanguard is the most famous but there are a lot.  Look closely at the expense ratio.  Index funds are all the same except for the fees so you want fees that are as low as possible.

Forget the financial markets...buy physical gold lightly, physical silver heavily. Silver is currently 64.96 times cheaper than gold, despite the fact that in the ground it only outnumbers gold by 17-20X, at the high estimates. But because silver is used heavily in industry, including in almost all the latest technologies, silver is in shorter supply than gold above ground...buying it at 1/65th the price of gold is as close to a sure thing as you can get.

Now...on the subject of real money, that is gold and silver throughout history, not unbacked paper currencies which have always imploded in every historical occurence. The temptation of the printing press is too great, the debt-based currency is further debased to pay bills, and then eventually all holders lose faith in the govt and currency...a certain development already w/ Tea Party etc....

Buy real money while it is still cheap.

Open up a brokerage firm & make the commissions off the ding-bats who trade the market. At the end of the day-every single day-Charles Schwab drives home with all the money.

Buy ( C ) city bank stock.Its about $3.94  or so a share.With the amount of volume being traded in this stock,you could day trade this stock,or buy and hold.Few other good stocks ( BIDU),(FSLR),and a penny stock that will shoot up sometime next year  (ESSE),esse is at .04 cents a share,check this one out!!!

Had some Momentum, If we would of broke the 2.75 range we would of seen 3.25 but there was alot of resistance at that level 2.75 range, I could see the next unemployment report make us bounce of these levels pretty good, First friday of the month Oct 1 i will be short bonds, cause i gotta a good feeling Dems will want a good jobs report, for Oct and Nov for there polictal lives..And Uncle Sam throwing re fiers a bone no one buys houses in oct threw Feb, atleast the vast majority, kids are in schools, christmas coming, nobody moves in the winter, rates going up so banks make more money on decreaseing supply of loans..Good luck but i still think selling bonds at the 2.50 percent level is a great futures bet

GOLD       

REAL ESTATE

When all else fails, let it all ride on   RED

Treasury 10-year notes advanced, pushing the yield near to the lowest level in three weeks, before a report that economists said will show homes in the U.S. sold at the second-slowest pace on record last month.

The 10-year note rose for a fifth straight day, its longest run of gains in a year. Two-year yields were within 2 basis points of the least ever as some investors said economic growth is slow enough that the Federal Reserve will increase Treasury purchases as soon as its November meeting to hold down borrowing costs. The Treasury is scheduled to announce today the amounts of two-, five- and seven-year notes it will sell next week.

“The momentum is for Treasury rates to go down,” said Zeal Yin, who invests in dollar-denominated debt in Taipei at Shin Kong Life Insurance Co., Taiwan’s second-largest life insurer with the equivalent of $47.6 billion in assets. “The Fed will increase its bond purchases.”

The 10-year note yield dropped 3 basis points, or 0.03 percentage point, to 2.53 percent at 7:46 a.m. in New York, according to BGCantor Market Data. The 2.625 percent security maturing in August 2020 gained 9/32, or $2.81 per $1,000 face amount, to 100 27/32. The yield declined to 2.50 percent yesterday, the least since Sept. 1.

The two-year note yield declined 2 basis points to 0.42 percent, after falling to an all-time low of 0.4074 percent yesterday. The 30-year bond yield dropped 3 basis points, to 3.72 percent. It fell to 3.71 percent yesterday, the lowest since Sept. 9, according to Bloomberg generic data.

The 10-year rate will drop to 2.30 percent by Dec. 31, Yin said.

Remi vs Yin

This is about the only solid advice in this thread so far. The government itself is bankrupt and floating on momentum, the USD is backed by absolutely nothing and while you should invest some of your money into contemporary investment vehicles (stocks, bonds, commodities, etc), there is no security down those roads.

Gold, silver, physical assets of purpose, these are the most "secure" investments you can make. Their value will NEVER go down either and while you will not get a comparable estimated rate of return from them as you will from the Markets and real estate offerings, your invesment won't drop 30, 40, or 80% overnight either. (remember 2004-2007 people). There are major economic crisis out out there and the mid-200's were not a market correction, it was a sign of what happens when you try to get something for nothing.

Make secure investments with at least 50% of your money and then invest the rest wisely and prudently in more short to mid term investments. If you lock your money into (non-liquid, asset based investments, and something major does happen while your money is inaccessible then you might never see or have access to those funds again). BTW, for those of you on here who claim to be investment professionals, you should be ashamed of yourselves. You either no little about the nature of economics or the state of the economic landscape.