5 ways to invest $10,000 now

Having $10,000 to invest demands careful consideration of all the options. Here are several ways to put that money to work.

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Oct 29, 2012 5:31PM
MSN, this really is irresponsible writing.  You're toying with people's security.  Why not stay with what you do best?  Write about Justin Bieber... who he is dating and who he punched in the nose this week (for example). 
Oct 29, 2012 5:57PM

The best way to make an investment grow is too consistently and systematically invest a percent of every paycheck in a conservative account. Don't listen to the advice of Wall Street, that's their job to get you to invest your money. They could care less whether you win or lost, they just want you to keep investing. A consistent addition to a conservative account will give you a comfortable retirement. I have practiced this faithfully for 40 years and I will retire next year with a nice nest egg. I don't think I ever made over $40K in any given year. It is all about discipline and it is not about chasing the high flying darling of the month promoted by the talking heads on tv.

Oct 29, 2012 4:52PM

I quit buying bonds when they stopped selling them at the banks.  I was buying one for each of my grandchildren's birthdays and just started putting money back.  To much hassle now to buy one.


Oct 29, 2012 4:51PM
Invest in America? A great patriotic thing to do. I would sooner bury my cash in the backyard, I already lost all I can, never again!
Oct 29, 2012 5:08PM
"get overweight" if you like a stock?  What, are you NUTS?   Sure, you were talking about Apple. Yes, Apple has been a good bet... so far.  But telling inexperienced investors (those who listen to such advice) to bet too heavily on one stock is reckless.  Just ask your Grampa how that worked out with GM, Eastman Kodak, Pan Am or Sony (to name a few).  You would be too young to remember this, but Sony WAS the Apple.   Sony introduced the Walkman.  Sony was THE brand to own in electronics.  Apple has been a winner, but Samsung is nipping at their toes.  General Motors stock was once as solid as any, but GM shareholders were wiped out when GM filed bankruptcy in 2009 (the pre-bankruptcy stock went to 0.00, and absolutlely no value transfered from the pre-bankruptcy GM stock to the post-bankruptcy stock). Ask your Mom how well that worked out with Microsoft, she's been waiting for it to get back to $40.00 for more than a decade!
Oct 29, 2012 7:16PM
I keep away from debt and live well below my means.   Old used cars and bringing my lunch to work are the means I use to save a little money.    I hate the 1 percent interest my bank gives me on my savings and I was excited to see the title of this story.

Then I read the article.

Who writes this crap?   Does this represent the opinions of the experts?  No wonder why the economy is in the toilet. 

Oct 29, 2012 5:28PM

While the debt repayment and continuing education ideas are good, the rest is the same old investment schlock that brokers have been pitching for years.  Most of these ideas are old and not suited for the individual investor without experience. Especially in todays market where price is manipulated by big-volume automated trading, and the little guy hasn't a chance. Very irresponsible author! 


Before suggesting people invest in something they know nothing about, why not recommend that they take a course in investing in the evenings at a good local community college??  Then use that knowledge to cautiously invest.

Oct 29, 2012 5:07PM
Not one bit of this article informs you where one SHOULD be investing; metals.  I know, I know, I've heard it before.  There's a reason why they don't want people investing in Gold, Silver, Copper, etc...

Trust me, invest in metals, screw the stockmarket.  Remember, it's never about what they're telling you, it's what they're NOT telling you that is more valuable.

Food for thought.
Oct 29, 2012 5:19PM
What the hell....go to Vegas lay it on on the line and roll the dice. the odds are about the same as the stock market....it just takes longer to lose in the stock market. at least you get a trip out of it and maybe some comps....LMAO
Oct 29, 2012 6:43PM

Great advice... caution if you go it alone... read, study, invest $2500 at a time over 1 year.



Get a professional and their advice.  Over 38 years I went it alone and built a nest egg at times $25 per month.  I won with McDonalds and Chrysler and Exxon-Mobil and lost with K-Mart.  I built up $131,000 and retired and turned it over to a pro.  In one year it is now $170,000.  Will tap in at age 59 1/2.  I always thought 21 was a big birthday.  It turns out 59 1/2 is a bigger one.  Lots of mutual funds.

Now mostly companies with dividends.  There are many sitting on piles of cash and the investors get a quarterly check in the form of DRIPs... dividend reinvestment plans.  It is always a bit scary.  In 2007/08 investments dropped 50%...that's how bad the economy tanked.   By 2010 it rebounded back 90% of old levels and now I am up 30% over 2006.  Bought Apple at $375 and sold it at $650... bought Oil at $80 and sold at $95.   READ...get educated.  Start with the library, Kipplingers Personal Finance magazine.  Money Magazine.   Entrepreneurs are not the only ones who take risks and you can do it at $25-50 per pay.  Read, get some hair.


Oct 29, 2012 5:56PM

I guess I'm not seeing the article and I'm really curious where you would invest it and get some gain from it.

Oct 29, 2012 6:34PM
You can't even run this web site properly.  I'll pass on your input.  Thanks...
Oct 29, 2012 7:20PM
Another stupid article.  Paying off debt should be the number one thing you do with an extra $10k.  The article should have noted from the get that this "advice" should only apply if you have NO debt AND a rainy day fund.
Oct 29, 2012 8:00PM

Invest in your family and friends. Yeah, I know.....financial advisors advise against that...because THEY want to lend to your family and friends....and charge them HUGE interest rates-----using YOUR MONEY! Yup! The money that the banks pay you a paltry 1/2 % for the then loan out for upwards of 6,7, even EIGHTEEN PERCENT!

Cut out the middle man banks, and loan your kids the money to buy a car, a house, etc. Charge them less than the banks rates, yet more than what the banks will pay YOU. Loan your neighbor the money for that boat, loan your nephew the money for college and to HE// with the bank taking the lions share of everyones money. Most importantly, PLACE LEINS and GET COLLATERAL....just as the banks do. It's a win-win situation for all....and let the bankers starve and the banks collapse. They do NOTHING but take everyones money and call it theirs. It's YOUR money. Use it wisely!  DON'T get your financial advice from the banking and investment community. Their only advice is in THEIR interest...not yours.

Oct 29, 2012 6:52PM

Invest in global warming carbon credits, that is afer than what the author recommends...

Al Gore made $100,000,000 peddling that, it is safe because the stupid government pays off

just for trying, no results ever needed!

Oct 29, 2012 6:20PM
Oct 29, 2012 6:24PM
I appreciate your advice but I am not listening to anyone on anything to invest in....I will buy and read the book...discuss it with my stockbroker
Oct 29, 2012 7:59PM
Buy SILVER!!!! If your ability to save is small, Start with buying U.S. dimes,quarters...1964 and older and make your way to silver dollars. If you have a ton of money to invest, diversify by buying both SILVER & GOLD. These are by far the best hedge against inflation!
Oct 29, 2012 8:22PM
I paid myself! My $10k went into my Solar panels...add that money to the Fed, State and local rebates and I got a 5Kw system...I generate $120/month off of that set of panels.2 yrears later I did it all again, doubled my power output and got all the credits again. Now I am generating 10 Kw and have NO ELECTRIC BILL! Thats an extra $240/month on average that I keep in my own hands. You wont get a better return on your investment anywhere!
Oct 29, 2012 7:39PM

As a single male I filed chapter 7 last year and now put my monthly morgage in savings. I rent a room from a friend for 300 a month everything included. My credit has already started climbing back up. Best investment and decision ever. No Wall Street for me.

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