Daily Archives: April 22, 2014



Investment: n. giving a subset(s) frequently money and/or a different subset(s) and desiring a predicted profit(s) and/or a desirable change(s) in given and/or different subset(s) at some point(s) in the future

Historically the smart investor invested money where he or she could get about 6% or more of an annual return on money and could retire as a millionaire. Today most conservative investments only return about 2 to 3% on money and inflation frequently eats away what little profit the investment makes.

Real Estate investments will keep pace with inflation but if you have a mortgage on the land or property at about 5% then you are still losing wealth letting the bank make all the profit.

The stock market, rigged for big money and fast computers, is no longer a safe long duration investment for the small investor nor a large investor and the only ones making a killing are the short duration investors such as big banks, hedge funds, and billionaires. If you don’t know where the big money boys are going to invest or divest then it is almost a guarantee that you will lose money in the volatile stock market and not make any profit in the long duration.

Banks get all their investment money almost free of charge from government counterfeited money and they no longer have to depend on small investor savings accounts for their money. The result is that banks pay almost no interest on savings accounts and rip you off big time if you keep your money in a bank.

Gold prices are also inflated and deflated at will by big money and if you buy at the inflated price then you may lose about 30 to 40% of the value of your money when the deflation occurs in a matter of a few weeks or months.

Historically if you wanted to live on easy street in old age or a few years before retirement you invested your money wisely in real estate, stocks, municipal bonds, or a small business.

Today small businesses are becoming extinct, crap shoot stocks are very risky investments in small companies which are mercurial in nature and monopoly company stocks with little growth don’t keep up with inflation price wise. Municipal bonds and bank savings accounts don’t pay enough interest to keep pace with inflation. Real estate is only profitable for apartment landlords and huge corporate builders.

If you are an average wage earner then you frankly have no place to invest your money for future gains so most decide to live from paycheck to paycheck in great debt and spend it all not even worrying about retirement. Most individuals no longer have an emergency reserve of money for hard times and the government has no emergency reserve but just prints counterfeit money and adds to the national debt.

Responsible individuals can’t be independent and responsible with their money so they act irresponsibly and the government and banking system which encourages the irresponsibility itself suffers from the same irresponsible spending malaise.

The financial system does not encourage profitable investment for the average citizen so most no longer invest in anything but hope that government will bail them out in emergencies and old age.

Live for today and screw tomorrow is a recipe for social and economic disaster in the long duration for both individuals and nations.

Finally you can make an investment in your offspring, a human(s), an organization(s), or an invention(s) and hope that they will prosper some day and make you happy with a sense of accomplishment or even benefit you financially.


The financial investment industry is rigged favoring big money and if you are an average investor then there is little hope that you will make a profit on your money and chances are great that you will probably lose much of it trying to make risky investments which is the sorry state of most remaining investments these days.

The myopic economic system does not encourage conservative investments, savings, and thrift and that is why many humans are mired in debt and the nation itself is mired in debt and is teetering on the edge of bankruptcy which is becoming more ominous with each passing year.

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