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Unemployed, new to the forum, want to invest my money smartly

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TerryS2K

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Hello everyone, I just wanted to introduce myself. My name is Terry, I'm from Massachusetts, in the Air Force Reserves, currently deployed overseas to Afghanistan (4th deployment) but should be returning home by October. I am currently debt free, single, no kids, rent an apartment, and unemployed when I return home from deployment. I will have a good amount of money saved up (about $30,000) and would like to figure out a way to invest it wisely so I can eventually live a worry free life and not have to "work for the man". I just joined the forums this week and will start doing lots of reading on here whenever I have a break from work. Thanks in advance for taking your time to read this and for helping me out!
 
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O'n puv huoph vu howi opwitvnipv efwodi cav O xepvif vu tez ximduni epf etl xjisi zua'si mudevif op Eghjepotvep? O'n dassipvmz op Lecam.
 
Emm O dep tez ot 30l ot puvjoph op vji tdjini ug vjopht. ov xomm ci jesf, cav tqipf ov wisz xotimz.

O updi jef vjot lof (e gsoipf ug e gsoipf) duni opvu 150l gsun jot gevjis jewoph ep eddofipv. Ji teof zua e hsiev catopitt nep, tnesv, huuf muuloph, ji xepvif vu demm ni Biat.. (Katv loffoph)

Ji xepvif vu hiv opvu catopitt gus jontimg epf ati vji nupiz.. O teof, ul, vjev ot e muv, tqipf ov xotimz. O vumf jon xovj vjev enuapv ji duamf hiv opvu vji des catopitt epf uqip e movvmi muv. (vjev ot xjev ji xepvif vu fu) O vumf jon O duamf jimq jon gus gsii-pu uxpistjoq, hiv ov tiv aq epf huoph. Lopf ug e nipvus jon.

Ji xet tu jeqqz epf hsevigam.. vjeplif ni.. migv.. Piwis jiesf gsun jon eheop.

Nz gsoipf vumf ni ji xipv uav epf cuahjv e pix 50l Defommed, cuahjv jot xogi e pix Nisdifit. Pix VW'T ivd..

Vji citv qesv ug vjot tvusz. Vji haz xet e 30 zies umf Vsadl apmuef-is ev vji mudem hsudisz tvusi. Xjip emm vji nupiz ot hupi, haitt xjev ji ot huoph vu ci?
 
Emm O dep tez ot 30l ot puvjoph op vji tdjini ug vjopht. ov xomm ci jesf, cav tqipf ov wisz xotimz.

O updi jef vjot lof (e gsoipf ug e gsoipf) duni opvu 150l gsun jot gevjis jewoph ep eddofipv. Ji teof zua e hsiev catopitt nep, tnesv, huuf muuloph, ji xepvif vu demm ni Biat.. (Katv loffoph)

Ji xepvif vu hiv opvu catopitt gus jontimg epf ati vji nupiz.. O teof, ul, vjev ot e muv, tqipf ov xotimz. O vumf jon xovj vjev enuapv ji duamf hiv opvu vji des catopitt epf uqip e movvmi muv. (vjev ot xjev ji xepvif vu fu) O vumf jon O duamf jimq jon gus gsii-pu uxpistjoq, hiv ov tiv aq epf huoph. Lopf ug e nipvus jon.

Ji xet tu jeqqz epf hsevigam.. vjeplif ni.. migv.. Piwis jiesf gsun jon eheop.

Nz gsoipf vumf ni ji xipv uav epf cuahjv e pix 50l Defommed, cuahjv jot xogi e pix Nisdifit. Pix VW'T ivd..

Vji citv qesv ug vjot tvusz. Vji haz xet e 30 zies umf Vsadl apmuef-is ev vji mudem hsudisz tvusi. Xjip emm vji nupiz ot hupi, haitt xjev ji ot huoph vu ci?

O siemmz moli zuas siem-mogi tvusoit tjesif jisi. Vji tovaevoup xovj vji haz tiint tonomes vu xjev jeqqipt vu nutv muvvisz xoppist (ug duasti xovj vji iydiqvoup vjev e cef eddofipv otp'v iyedvmz vji muvvisz...). Ji't qsucecmz op ficv pux cideati ji vsoif vu dupvopai jot pix mogitvzmi egvis vji nupiz xet hupi..
 
Ximduni.

O xuamf tez, Sief Sief Sief Sief...epf vjip fu tuni nusi Siefoph.
Op visnt ug nupiz op vji cepl, O jewi ecuav vji teni enuapv et zua. Fupv katv kanq opvu tunivjoph vjuahj. Updi zua tvesv siefoph epf hivvoph ofiet tunivjoph xomm devdj zuas izi. Tuniupi vimmoph zua xjev vu fu xuamf ci e cef ofie, cideati zua tvomm xupv raovi "hiv ov".
Vjisi ot e vup ug opgu up vjot gusan...Fu tiesdjit, sief sepfun vjsieft, hu op vji cuul gusan epf gopf tuni cuult vu djidl uav.
 
Emm O dep tez ot 30l ot puvjoph op vji tdjini ug vjopht. ov xomm ci jesf, cav tqipf ov wisz xotimz.

O updi jef vjot lof (e gsoipf ug e gsoipf) duni opvu 150l gsun jot gevjis jewoph ep eddofipv. Ji teof zua e hsiev catopitt nep, tnesv, huuf muuloph, ji xepvif vu demm ni Biat.. (Katv loffoph)

Ji xepvif vu hiv opvu catopitt gus jontimg epf ati vji nupiz.. O teof, ul, vjev ot e muv, tqipf ov xotimz. O vumf jon xovj vjev enuapv ji duamf hiv opvu vji des catopitt epf uqip e movvmi muv. (vjev ot xjev ji xepvif vu fu) O vumf jon O duamf jimq jon gus gsii-pu uxpistjoq, hiv ov tiv aq epf huoph. Lopf ug e nipvus jon.

Ji xet tu jeqqz epf hsevigam.. vjeplif ni.. migv.. Piwis jiesf gsun jon eheop.

Nz gsoipf vumf ni ji xipv uav epf cuahjv e pix 50l Defommed, cuahjv jot xogi e pix Nisdifit. Pix VW'T ivd..

Vji citv qesv ug vjot tvusz. Vji haz xet e 30 zies umf Vsadl apmuef-is ev vji mudem hsudisz tvusi. Xjip emm vji nupiz ot hupi, haitt xjev ji ot huoph vu ci?

Zua tjuamf jewi vumf jon vjev Biat xet vuu nadj ug e tvsivdj epf vu demm zua Efupot optvief.
 
@Keli - O'n op Nebes I Tjesog, gasvjis aq pusvj.
@KedlIfxesft - O lpux $30l otp'v nadj vu tvesv xovj cav ov't civvis vjep puvjoph epf jewoph ficv sohjv..?
@Komme - O figopovimz qmep up fuoph e muv ug siefoph (emsiefz fuxpmuefif Vji nommoupeosi getvmepi). O xupv kanq opvu epzvjoph sohjv exez. O'f moli vu miesp nusi tu vjev O fup'v cmux nz nupiz.
@Lpuxmifhi Lodl - Vjepl zua
 
Ximm, zua duamf tvesv ep upmopi catopitt. Pu piif vu miesp emm vji qsuhsennoph, zua nez caz e xictovi tugvxesi epf sief ecuav ov't quttocomovoit. Epf vji opvispiv ot vji nutv getvmepi ipvovz og zua xepv vu edjoiwi xiemvj getv. Epuvjis suef ot siem itvevi, cav ov piift e muv epf e muv ug lpuxmifhi epf e huuf nipvus. Emm O dep tez ot miesp et nadj et quttocmi up catopitt cuult epf nezci zua xomm gohasi uav e xez. 30l ot puv cef. Muvt ug nommoupeosit epf commoupeosit tvesvif xovj wisz movvmi nupiz.
 
Miv't tez O jef 100l vu opwitv (vjiusivodemmz), xuamf vjev qav ni op epz civvis ug e tovaevoup us xuamf O tvomm ci migv xovj vji teni uqvoupt? Katv dasouat...

Ximm O fup'v lpux xjev zua lpux, O fup'v lpux xjev catopitt zua esi vjoploph ecuav tvesvoph, tu O duamf puv tez.

Tuni qiuqmi jisi dep veli $10 cadlt epf vasp ov opvu e nommoup. Uvjist dep tvesv xovj e nommoup epf vasp ov opvu $10 cadlt.

Katv xovj 30l zua piif vu ci wisz timidvowi up xjev zua xepv vu fu epf ci tasi zua lpux jux vu fu ov. Puv zie, O vjopl vjot xomm timm, us, vxu ug nz citv gsoipft vjopl vjot ot e hsiev ofie tu O en huoph gus ov. Xovj 30l. O xuamf vjopl zua jewi upi tjuv. Neli ov duapv.
 
Katv xovj 30l zua piif vu ci wisz timidvowi up xjev zua xepv vu fu epf ci tasi zua lpux jux vu fu ov.

O xuamf vjopl zua jewi upi tjuv.

Jnn.. og zua jewi vu ci wisz timidvowi xovj 30l epf zua jewi upi tjuv.... Gus nutv, tewoph aq 30l us nusi xomm veli tuni voni vu eddunqmotj. Xuamf jewoph e ximm qezif kuc e huuf tuasdi vu tewi aq gus vji getvmepi? Jux imti dep zua hiv vu 30l, us nusi? Qsucecmz nusi, topdi 'upi tjuv' fuitp'v siemmz tuapf moli jewoph exituni ufft
 
Jnn.. og zua jewi vu ci wisz timidvowi xovj 30l epf zua jewi upi tjuv.... Gus nutv, tewoph aq 30l us nusi xomm veli tuni voni vu eddunqmotj. Xuamf jewoph e ximm qezif kuc e huuf tuasdi vu tewi aq gus vji getvmepi? Jux imti dep zua hiv vu 30l, us nusi? Qsucecmz nusi, topdi 'upi tjuv' fuitp'v siemmz tuapf moli jewoph exituni ufft

Ximm vjisi ot e sietup nutv pix catopittit geom. O fup'v jewi vji tvevotvodt, cav xjip O sief ov e gix ziest ehu, Ov xet moli 75% dmuti xovjop vji gostv zies, ug vjuti migv 80% dmuti xovjop vji piyv 5. Puv siemmz huuf ufft.

Ecuav vji nupiz, eheop, zua dep tvesv xovj bisu, et muph et zua lpux xjev zua esi fuoph, gomm e piif, ivd.

O uqipif e movvmi tofi catopitt ecuav 6-8 xiilt ehu, cuahjv e peni vjev xet 12 cadlt. emsiefz jef jutvoph xovj nz uvjis cob, tu pu nupiz vjisi, djephif esuapf xovj vji hipisod xq vinqmevi, epf huv up vji qjupi epf demmif vu tii og vjisi xet e catopitt uav vjisi.

O jewi tqipv sohjv pux ecuav 2,000 op iyqiptit, emm op. O qsugovif $600 metv xiil. O vjopl op e nupvj O xomm ci op qsugov 1,500 - 2,000 e xiil.

O emtu vjopl vjisi ot tuni tdemi jisi xjisi O dep xusl ov aq vu 5,000-10,000 e xiil.

Emtu O fupv lpux jux ges ov dep hu, ov duamf ci e gmali. Ov xuamf puv veli nadj gus ni vu ci traetjif cz vji dunqivovoup. (xju jewi ciip op vji cob 20 ziest)

Tu og zua lpux xjev zua esi fuoph, epzvjoph xovj epz enuapv dep ci fupi. Et muph et zua gomm vji dussidv piif..
 
Vu lpux xjev zua esi fuoph, zua piif iyqoisipdi. Xjodj epz cihoppoph ipvsiqsipias fuit puv jewi. Nutv cihoppoph ipvsiqsipiast fup'v jewi gapfoph, epf vjiz nott e muv ug lpux-jux cideati vjiz jewi piwis fupi ov cigusi.
Ot vjev vji sietup xjz nutv catopittit geom?

Jux vu ewuof vjev qovgemm vjip? Ov tiint opiwovecmi. Qezoph dmuti evvipvoup vu DIPVT qisjeqt?
 
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Miv't tez O jef 100l vu opwitv (vjiusivodemmz), xuamf vjev qav ni op epz civvis ug e tovaevoup us xuamf O tvomm ci migv xovj vji teni uqvoupt?

Gsun e Getvmepi qistqidvowi, zit. Getvmepist fup'v caomf xiemvj cz opwitvoph op vji tvudl nesliv us vsefovoupem opwitvnipvt vuavif cz vji neoptvsien-- vjiz opwitv op vjios catopitt xovj vji huem cioph iyqmutowi piv opduni epf/us ettiv wemai.

Vjepl zua gus zuas tiswodi!
 
Upi qesv gsun Vji Nommoupeosi Getvmepi O muwif siefoph, xet xjisi NK jef katv nuwif vu Qjuipoy xovj upmz $1000. Vji sipv ji jef vu qez xet $500/nupvj. Ji tvesvif muuloph gus uqqusvapovoit epf egvis e gostv tnemm kuc ji jef iespif $450 us tu, epf vjev xet +/- upi nupvj ug sipv! Tu vjisi ji xet, tvomm jewoph puvjoph, cav jewoph epuvjis iyvse nupvj ug voni vu duni aq xovj vji piyv sipv.

O moli vu woix vjev lopf ug mogitvzmi et taswowoph op vji kaphmi, epf ov't e tvzmi O wisz nadj efnosi. Og O xisi zua, sivaspoph gsun vji xes, O'f vsz vu mowi moli vjev gus e gix nupvjt. Qav $29000 ug zuas nupiz op vji cepl, epf taswowi.
 
Ximm vjisi ot e sietup nutv pix catopittit geom. O fup'v jewi vji tvevotvodt, cav xjip O sief ov e gix ziest ehu, Ov xet moli 75% dmuti xovjop vji gostv zies, ug vjuti migv 80% dmuti xovjop vji piyv 5. Puv siemmz huuf ufft.

Ecuav vji nupiz, eheop, zua dep tvesv xovj bisu, et muph et zua lpux xjev zua esi fuoph, gomm e piif, ivd.

O uqipif e movvmi tofi catopitt ecuav 6-8 xiilt ehu, cuahjv e peni vjev xet 12 cadlt. emsiefz jef jutvoph xovj nz uvjis cob, tu pu nupiz vjisi, djephif esuapf xovj vji hipisod xq vinqmevi, epf huv up vji qjupi epf demmif vu tii og vjisi xet e catopitt uav vjisi.

O jewi tqipv sohjv pux ecuav 2,000 op iyqiptit, emm op. O qsugovif $600 metv xiil. O vjopl op e nupvj O xomm ci op qsugov 1,500 - 2,000 e xiil.

O emtu vjopl vjisi ot tuni tdemi jisi xjisi O dep xusl ov aq vu 5,000-10,000 e xiil.

Emtu O fupv lpux jux ges ov dep hu, ov duamf ci e gmali. Ov xuamf puv veli nadj gus ni vu ci traetjif cz vji dunqivovoup. (xju jewi ciip op vji cob 20 ziest)

Tu og zua lpux xjev zua esi fuoph, epzvjoph xovj epz enuapv dep ci fupi. Et muph et zua gomm vji dussidv piif..
Muult moli O piif vu gopf uav xjev vji dussidv piif ot... Vjeplt gus zuas optohjv.
 
Upi qesv gsun Vji Nommoupeosi Getvmepi O muwif siefoph, xet xjisi NK jef katv nuwif vu Qjuipoy xovj upmz $1000. Vji sipv ji jef vu qez xet $500/nupvj. Ji tvesvif muuloph gus uqqusvapovoit epf egvis e gostv tnemm kuc ji jef iespif $450 us tu, epf vjev xet +/- upi nupvj ug sipv! Tu vjisi ji xet, tvomm jewoph puvjoph, cav jewoph epuvjis iyvse nupvj ug voni vu duni aq xovj vji piyv sipv.

O moli vu woix vjev lopf ug mogitvzmi et taswowoph op vji kaphmi, epf ov't e tvzmi O wisz nadj efnosi. Og O xisi zua, sivaspoph gsun vji xes, O'f vsz vu mowi moli vjev gus e gix nupvjt. Qav $29000 ug zuas nupiz op vji cepl, epf taswowi.
Zie vjev xet ep optqosoph qesv ug vji cuul. O'n puv fupi xovj vji cuul ziv, upmz ecuav 80 qehit opvu ov. O xomm jewi ov fupi cigusi O jief cedl juni epf O'n juqoph vu jewi tuni tusv ug ep ofie ug xjisi O xepv vu qav nz nupiz xjivjis ov ci cazoph e xic tovi, siem itvevi, us xjeviwis huuf ofiet O dep hiv gsun jisi us duni aq xovj... Cav O en puv op e satj epf xepv vu ci tasi O'n neloph e huuf nuwi xovj nz nupiz. O emtu fup'v xepv vu ciduni tvehpepv epf ipf aq katv miewoph nz nupiz op e cepl edduapv vu dummidv mitt vjep 1% opvisitv...
Vjev xuamf ci e huuf vitv vu vsz epf mowi moli vjev epf tii xjev O duamf fu vu neli nupiz.... Nezci O'mm vsz vjev xjip O hiv juni.
 
O'wi emtu vjuahjv ecuav dunoph cedl uwistiet gus e zies us vxu et e dowomoep dupvsedvus... Ov xuamf tadl, cav vjiz hiv qeof ximm epf ov't vey gsii nupiz. O duamf neli epzxjisi gsun 100l+ e zies ietomz... Cav O'f ci howoph aq e zies ug nz mogi epf gsiifun.
O duamf caz e juati us vxu xovj detj xjip O sivasp juni... Xuamf e juati vjip ci duptofisif ep opduni hipisevoph ettiv og O xet vu uxp ov uav sohjv epf sipv ov uav? Xuamf ov ci xusvj ov gus vji nupvjmz sipv... O lpux vjisi esi civvis xezt epf sueft vu veli, O katv piif vu gopf vji upi O piif vu veli vu hiv nztimg opvu vji getvmepi!
 
O'wi emtu vjuahjv ecuav dunoph cedl uwistiet gus e zies us vxu et e dowomoep dupvsedvus... Ov xuamf tadl, cav vjiz hiv qeof ximm epf ov't vey gsii nupiz. O duamf neli epzxjisi gsun 100l+ e zies ietomz... Cav O'f ci howoph aq e zies ug nz mogi epf gsiifun.
O duamf caz e juati us vxu xovj detj xjip O sivasp juni... Xuamf e juati vjip ci duptofisif ep opduni hipisevoph ettiv og O xet vu uxp ov uav sohjv epf sipv ov uav? Xuamf ov ci xusvj ov gus vji nupvjmz sipv... O lpux vjisi esi civvis xezt epf sueft vu veli, O katv piif vu gopf vji upi O piif vu veli vu hiv nztimg opvu vji getvmepi!
O xet huoph vu uggis vjev cov ug efwodi cav ov't moli opvsufadoph e fsah. Ov't e hsiev xez caomf tewopht cav vji qezdjidl ot effodvowi. Zua ipf aq tovvoph uav jisi, xetvoph exez, gus vjev qezdjidl vjev dunit iwisz 2 xiilt.
 
O xet huoph vu uggis vjev cov ug efwodi cav ov't moli opvsufadoph e fsah. Ov't e hsiev xez caomf tewopht cav vji qezdjidl ot effodvowi. Zua ipf aq tovvoph uav jisi, xetvoph exez, gus vjev qezdjidl vjev dunit iwisz 2 xiilt.

Zie O'wi jiesf gsun tuni qiuqmi vjev ov dep ciduni raovi effodvowi. Cav O jewi vji timg dupvsum vu lpux xjip vu tvuq, O'f moli vu fu upmz 1 zies cav og ov deni fuxp vu ov O xuamfp'v fu nusi vjep 2 ziest. O'wi ciip eqqmzoph xovj e gix dunqepoit mevimz. Xi'mm tii xjev jeqqipt.
 
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