Anonymous #4 said:

Get with your mom 10,500 times.

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Anonymous #3 said:

Buy gold?

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That's what i'd do

Anonymous #9 said:

Metal. Stocks. Cash. One third each.

1) Take one third of your money and buy physical gold and silver-- at a ratio of 2/3 gold and 1/3 silver. Do this soon, as the market price suppressions are waning with the increasing likelihood of more Fed intervention in the bankrupt financial institutions.
The currency rate of the American dollar is about to drop more, and continue to do so with increasing velocity. This will directly translate to higher metal prices (simplified, it takes more weak dollars to buy the same amount of metal)
All you need to remember is this: your dollar is about to turn into a dime-- it's just a matter of time as to when.
The metals are ALWAYS worth something, regardless of the price attached to paper rectangles with numbers on them, and they will always give you purchasing power in whatever currency you convert them to- forever.
Your 105k in paper dollars will soon be worth 100k, then 90k, then 70k, as inflation saps the value of the dollar--regardless of the denomination printed on it.
When you buy metal, stick with simple 1oz. coins, like U.S. gold or silver eagles or Canadian Maple Leafs. Everyone recognizes them, and they're easily convertible. It's probably better for you to buy Silver in bars for your bulk, and maybe 100 eagles for dispersal.

If your home is secure, keep them hidden in an impossible to guess location. If it is not secure, a local bank that is well-known will hold them in a safe deposit box for maybe 50/year. Your gold is worthless until it is in your hands. Remember that.

2) The second third of your money should be divided evenly between STOCKS and ETF's.

First third of it: Mid-to-large cap Canada-based gold and silver mining stocks and/or ETF's. (it's important to look to Canada for these, as about every major mining company is listed on the Canadian exchanges. I strongly recommend dealing only with the Canadian exchanges, as Canada is the worlds go-to for all things mining.
E*Trade has a global account option (and it's just as free as it's regular trade account) that will let you buy and sell directly through the Canadian exchanges-- AND hold your currency in several currencies beside the US Dollar-- this is vital. You want to trade in Canada with Canadian dollars. Just trust me for now-- your follow-up research ((which you WILL do for all of this information, right??)) will flesh out and prove everything I'm sharing with you. The bottom line is to exit your american dollar holdings into more secure currencies, and the Canadian dollar is more stable than the USD)
Precious metals are at (actually already into) a launching point today that is unprecedented in world history.
It will double in price in the next few years. At least.
But don't get too excited and overweight your portfolio in them, as tempting as it might be. Reason compels diversification in the best of times-- in these times, it's essential!


The second third of your stocks should be invested in mid-large-cap energy stocks or ETF's, including oil, natural gas, and coal.
It might not be sexy, but the entire world is about to undergo a very difficult time, and the bellwether energy sources like these are going to come under increasing demand from places like China, India, and other rapidly-industrializing countries.
Despite a global currency crisis, they (and we) will still be using ever-more of an ever-decreasing supply of conventional energy sources. You can profit off of that growth as the prices go up as supplies diminish.
Coal is unpopular sure-- to people that don't actually orchestrate civilizational energy supplies--like teenagers behind computer keyboards. It's irrelevant that environmentalists harp about it, as a huge majority of developed/ing nations rely on soft (thermal) and hard (coke) coals to live. The US gets almost 50% of its electricity from coal. China? 79%!
PS-- speaking of coal, emphasize your focus on the hard anthracite (AKA metallurgical) coal producers, as this is used to make iron into steel (can't be made without it!)-- and is far better positioned to grow in developing economies than soft coal that is just burned in steam plants for power. Metallurgical coal is less than 1/4 of all coal in nature. Rarer= more value.
You would be wise to include alternative/future energies in your energy portfolio.
An excellent one is uranium, as it is inevitably going to become a wildly sought-after fuel for nuclear reactors. As nations adopt nuclear power over conventional sources, Uranium will go a long way in reducing coal demand for energy production by replacing it with clean nuclear reactors, but investing now in the larger mining/production companies will lock you into the early positions that will pay dividends for decades as they become mainstream. Also explore geothermal and natural gas-- but be smart about that-- don't buy hype--buy value.

The final third of your investments should focus on agricultural companies and ETF's that produce food and raw material for civilization, like wheat, cotton, and corn. As our planetary population grows, these basic resources grow in demand and importance.


Remember that the three legs of your investment portfolio should all be things that the world simply can't choose to live without:
Money, Energy, and Food.



The final third of your money should remain cash, (diversified in currencys of course--NOT ALL US DOLLARS!) Even if you just put 15k into Euros or Canadian or Australian dollars, you'll be far more protected from what the US government is doing to the dollar.
If and when you see good values in the aforementioned sectors of your investments, you will have cash reserves to make plays.

As you reap profit in the resource stocks, make sure to sell off some of the stock to reimburse your investment capital so you can redeploy it in other opportunities in the market.
For example, you buy 200 shares of company A for $2000, and it doubles in value to $4000 (remember, this can take months or years).
When it happens, you sell 100 shares, and you have effectively paid nothing to own 100 shares of company A, which will forever after be purely profit. You then take the $2k you pulled out of company A and invest it in company B.

Rinse and repeat.

Don't be afraid of research-- the internet will educate you if you are smart. It will bankrupt you if you're not. Start reading.
I'm not going to list all the places I use to educate myself, because it took years and absolutely countless hours of hard reading and harder work... but if you use the information I have profiled here as a road map, you will not only secure your future, you will learn the trade of making money from money.

If you allow your money to work for you, your day job will, over time, become less and less the wealth generator for your lifetime, and more an activity that you can direct as your passions--not your bills--will take you.
You have a headstart with your money in hand that it took me 6 hard years to amass. I assure you that with what you have, you can turn into millions.

It will take time--  start by reading this

Best wishes my friend--

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