I sense that for some of us cash is the best and for others investments are the best, well the truth is somewhere in the middle, to be more specific exactly in the middle. If you want a good life and you are ready to take all the chances that this implies this means you like investments, if you like your life and just do not want it to get worst you like cash so it will make you feel safe. I like cash, in my opinion cash money is king, it makes you really feel power into your own hands, but lets get pass this.

The thing that you need to do , as any other economist might tell you,  is to invest not more than half of your cash money, so this way there is a good chance you will end up with some extra chance but also you will not get bankrupt.

Whatever you do , do not apply for loans for investments that you are not 100% certain that will go well and that investment can be tracked and supervised by you and your people.

So what is best? Both are, good going class, I hope you know what people need to play under some rules, and the ones that can not respect the rules will end up rich or bankrupt, it only takes a drop of luck or a drop or unlock to decide your faith when you are playing it to risky.

People that play it by the book end up in having a good life and not as much pain and troubles as the people that enjoy only taking risks!

For example if you have saved about 10 000$ , in my opinion you can risk to make some money with another 10 000$. So this will be clear for everybody you must have 20 000$ of money, 10 000$ for savings in case something bad happens, and 10 000 into stocks because this is a good time to invest. Take in mine that if you wish to invest in stocks you must talk to a broker, I know they charge more money and sometimes you see as unfair to pay them as much as you do but at least for the start you must use a broker.

Take in mind that all investments have over 4 years period of time until you get that sum back, so you must not make any dreams about those money, if you want to get a car, get some now things in the house or other things like that I need you to be sure that this won’t happen from the money you invested.

Stocks as well as any market has fluctuations that can cause real problems and even with fluctuation you can still have the best price and nobody will be there to buy, because nobody can guarantee you that you will have enough liquidity when you wish to sell.

To answer the question in the title, the maximum sum you can invest is the double of the sum you wish to have into savings account just in case something happens. I like to have invested 50%, for example if I have 10 000$ I only invest 5 000$ , so I will have 10k if something happens and when the market rises maybe I can double my sum.

Remember this: safe = bank account , risk =stocks or any other investments! bank account = 3-10% / year interests that go into your pocket , stocks or any other investment = 0-1000% / year interests for you!

Do no take loans to invest into stocks, at least not at the start because you will surely get a bad credit score and you will get stuck on payday loans for the rest of your life!

This is one of the reasons that banks earn this big amounts of money by selling money, we all call them loans but the bank actually sells us some money for a higher price, and we, without realizing this go and loan and loan until the bank refuses us because we have no limits!

Why do stock brokers earn their big number? Because they big bring money to some people, the best thing that you can do is to try to earn as much as you can and then try to earn more, and then more and more until the end of time. Did you know that 5% of the people of this world control 95% of all the money that are found in this world? How is this for a big secret, in my opinion if you want something you must go and grab it, if you do not grab it this means that you didn’t want it as much as you thought you want it.

Think before you act and be sure to be the best at what you do!

A better question would be what do we expect from the future?

Some well trained economists told us into a newspaper that there will be another crisis, that it might be harder on us then the last one, are you prepared for something like this?

For those of you who have read my blog I guess that you already know that I am not a pessimistic person and I do not expect only the worst. So my questions here are not made to bring you down or to make you worry about the future, they are made just so you can make a plan, or for you to make some savings in case things go down.

Some of us wore left without a job just because the banks wouldn’t give money any more, but we should of expected this. When I go to my job I try to make sure that I am so needed in there that I would be the last one they fire, I try to be the best that I can and do as much for the company as I can. How do you work at your job?

If you work just so the boss does not see you standing around I think you should change your attitude because your boss probably is looking for someone better as we speak. There was an expression in my time, be the best F…. the rest! , I guess it doesn’t work nowadays when all the youngsters I know want just to play games and to sit around without doing nothing.

Be the best and you will succeed!