8 great investments beyond stocks

Stocks require patience and fortitude, and after years of ups and downs, no one will blame you for running out of those. Sometimes you need to look elsewhere to improve your finances.

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92Comments
Mar 25, 2014 7:34PM
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As the author says, most of these alternatives are risky--some extremely so. Even bonds and CDs are losers when they pay less than inflation, as they do now. (Most annuities are based on bonds, so the same applies there.) If you're young, the best advice here is to "invest in yourself" and further your education, focusing on practical and useful training (like the CFP mentioned).

Mar 26, 2014 5:54PM
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Folks, we warned about this earlier today, we call it as we see it....Just like Friday and Monday, we started with a big sucker's rally, up almost triple digits, then manipulators started doing their thing and about 1300 hrs the call to accelerate the selling came and the rest is history....Seen this a lot down here lately and we will see more of it because these scumbags are not afraid of getting caught, the SEC is totally worthless....A reason for today's aberration? Because they can folks, because they can and that is how they steal money from honest Americans out there....Its not Russia, its not Ukraine, its not oil, its not profit taking, its just plain cheating and manipulating...And do not think for a second that they are done for the week. Oh well.
Mar 30, 2014 4:48PM
Mar 26, 2014 6:51AM
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#4. Owning a business

This is the best option on the list and it can include #3 (peer-to-peer lending, but on a local level only) and #5 (real estate).  Owning a business doesn't mean you have to quit your job or rent a storefront or office space, and it doesn't necessarily mean you need a license or a big investment into overhead.  There are tons of businesses you can start at your kitchen table or in your garage.  And there's nothing wrong with staying small and flying under the radar.  If you have grander dreams, get your feet wet before committing a bunch of cash.

Forget about trying to identify and invest in an asset that will appreciate in value.  Markets fluctuate and values change.  Instead, focus on creating multiple revenue streams that consistently generate positive cash flow.


Mar 26, 2014 6:58AM
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I would call P2P lending a horrible idea. Stay away.  I personally learned the hard way after suffering greater than a 50% loss on Prosper...
Mar 30, 2014 4:36PM
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You are fooling yourself if you think these "investments" remove you from the stock market (or the stock market swings).
Mar 30, 2014 5:03PM
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"And be wary of commission-hungry, shady advisers just looking to make a sale"

And just how should you do that?  They're all like that to at least some degree.
Mar 26, 2014 7:05AM
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"If you're young, the best advice here is to "invest in yourself" and further your education, focusing on practical and useful training (like the CFP mentioned)."


If you are young, realize that there are a surplus of paper and button pushers and a shortfall in every craft. The DUMBEST thing you could waste your tuition on is a "financial" job. There are two areas of pariahs we know for sure will be majorly reformed beginning as soon as THIS year-- financiers and lawyers. Better a Plumber in the approaching economy, than the person who needs one.

Mar 30, 2014 3:23PM
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I worked hard to retire (off my income alone) and get what I have. Allowing MY money to go into the coffer of another entity with a possibilty of making more but risking losing some or all is not what I consider the smart thing to do !

Sweat and hard work makes one appreciate his lifestyle more than paying to get more !

Mar 30, 2014 8:18PM
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The Stock Market has risen dramatically because of only 1 thing - THE DESTRUCTION OF OUR DOLLAR BY THE FED.  THE FED IS A CARTEL OF PRIVATE BANKERS WHO ENRICH THEMSELVES AND THEIR WALL STREET CRONIES, AND WHOSE CORRUPT POLICIES PROLONG DEPRESSIONS - LIKE NOW!!!!!      


WHEN WE GET A REAL PRESIDENT, I SUPPORT THE TOTAL ABOLITION OF THE FEDERAL RESERVE.  WE WERE CONNED INTO THE FED BY PROGRESSIVES LED BY WOODROW WILSON IN 1913 - THE WORST PRESIDENT EVER BEFORE OBAMA!

Mar 26, 2014 4:41PM
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Jeff - nice article and I agree 100%!!  People are too "fixated" on stocks and stock market "action" and not enough on buying assets that are out of favor and holding for a long time.  I started my investment property business in early 2008 when things in the real estate market were just starting to get very difficult.  I picked up some really nice single family houses for a fraction of their replacement cost.  I rehabbed each and they are all rented - this produces a really nice monthly income!

I also was completely out of the stock market until 2009 and started buying stocks - this has paid off.  My advice to readers is to sell all of your stocks because the market has come a long way and it is now way too high.  Once stocks or real estate get "hammered" then plunge in and buy.  I am going to hold my houses for a long time because they are producing a great income stream.  If the market dips again in real estate I would welcome this so I can buy more.  Best success to all!!
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Guns, ammo and food should be top three. Whatever! When the pyramid collapses it wont just be bankers blowing their heads off, you smucks that bought in and lost all will want to vent your anger somewhere as well. That's why I am locked and loaded.
Mar 30, 2014 8:14PM
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Best for the smaller investor is "in hand" silver ; it has more uses than gold (financial , manufacturing , technical etc) , and is at prices that most people can deal with . Plus it has more upside potential than gold  percentage wise . If times should ever get tough , silver will be much easier to use day to day than gold . JMO         And as far as making peer to peer loans go as mentioned in the article , I was once taught that they they "are only as foolproof as the fools making them" .
Mar 26, 2014 1:44PM
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Like we said earlier, do not get too excited about being up over 80 points in the Dow....Too many scumbags on and off the floor, didn't take a brain surgeon to figure out it wouldn't last and at 1300 hrs they called to accelerate the selling...Why? You ask....Because they can; nothing justifies it....Remember, these crooks steal their money by cheating and bringing down markets and that is exactly what they are doing now....A bit over 2 hours to go, things not looking good, too many of them...We will see...Never give up. More after the close.
Apr 28, 2014 7:35AM
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What a load of bad advice.

Yes, maybe, start a business.  But avoid borrowing money to start a business.  That's a fool's approach on the entrepreneurial path.

Here's the best idea for some Americans.  Get into gardening in a bigger and bigger way every spring.  Food inflation is gnawing a hole in most everyone's budget.  What excess you grow, either sell or giver away to friends, with a quid pro quo, exchanging the favor getting your getting your driveway shoveled come winter, your leaves raked come fall, or something else...

The truth is Obama's $10.10 minimum wage proposal is going to cause food-fuel inflation far in excess of the increase in what it costs to hire a minimum wage earner today.  If the government really wanted full employment, it would campaign to eliminate the minimum wage laws.

Face it, and look around you to size up the situation, how many people looking for a job are really worth $10.10 an hour?  Not many.   All $10.10 an hour would do, would be to make minimum wage earners out of a lot of hard working people who make $8, $9, and $10 an hour today, and who worked hard to deserve the wage they get.
Mar 30, 2014 11:52PM
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I'm a small business owner, and I think that this is the most risky investment possible.  Not only are you dealing with start up fees, of a new, and even an existing business, and all the "I didn't think it was going to be so hard, and expensive experiences",  but if some new minimum wage bill  law passes, small business owners are screwed!  100%
Mar 30, 2014 8:44PM
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My mattress has a neat little zipper on the side by the wall, it's a little lumpy but it beats any investment available now.


Apr 28, 2014 7:39AM
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I thought I could make money by investing in baseball cards. I was wrong. Oh well.
Apr 28, 2014 8:06AM
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CORRECTED VERSION [Don't sign in until you have proof read! :-)]
Precious metals are not an investment vehicle; they are a wealth maintenance device because demand remains steady as monies loose their value. Anyone who advises buying metals as an "investment" doesn't understand money, value, leverage nor the purpose of investment.  How can something of constant value be an investment for (personal) gain? If you are buying and selling, like stocks, only the broker makes out.

CDs bring profit to one entity: the bank issuing them. Because of gross financial dereliction in Washington, D.C. by some the world's greatest con artists, the purchasing value of the fiat money issued by USSA [sic] loses more value annually than any incremental gain to be realized by CD holders. Until CD rates top 10%, this is an "investment" to avoid. Hint: Never do any transaction that knowingly benefits the Federal Reserve banking cartel. A-N-Y.
FYI: CDs allow banks to collect interest from the Federal Reserve while at the same time they invest the money at whatever big return they desire, while you get the pittance mentioned in the certificate. The bank should be required by law to do a near even split with certificate holders.

Annuities are okay, but you are benefiting one of the best scam businesses ever devised: insurance. Insurance companies have the best and brightest bean counters; anything they are willing to do will give the majority of the benefit to the insurance company, certainly not purchasers/customers. Ever heard of Warren Buffet? Owns four insurance companies; that is not investment savvy. It is knowing where the legal thievery lies.

Invest in “yourself”? Quite trite. There is no correlation between educational attainment and large financial reward. Colleges and universities would like you to believe that and they frequently boast questionable research that supports their self-serving opines. Independents conducting better research can see, lots of high school graduates make more than many credentialed individuals in their generation. Why? The ability to see, think, be decisive and dream are not attributes schools put into people. A mix of those make successful people when sprinkled with a modicum of fearless self understanding. None these are on the curriculum. Nor will the progressive elites running academia allow them.

What you see in this article is advice to keep you in your place while supporting the overlords who run and have “everything”. MSN and MSN money have some of the poorest journalism to be found on Internet. They and their mother company are avid supporters of progressive red totalitarian Democrat extremism. This article is a prime example. ©2014 All rights reserved. Limited use allowed. Criticism should contain competent evidence to the contrary.  ♥
Mar 31, 2014 12:22AM
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oldcodger55


They're GREAT investments for the banks, of course. They get your money for a set period of time, pay YOU 1%, and then turn around and lend that money out at 4 to 20% [the 20 % is credit cards] interest. They're making TRIPLE [at least what they're paying YOU], so of course they're pushing cd's.

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