Well being in the middle of financial district of New York had thought me something. There are certainly lots of Fat Cats here and they are certainly living a good life and almost all of them are filthy rich. I met with many of them and I usually ask the same question " what the hell you doing that makes you so rich . I want to know! " They usually say "hard work, stock market, bla bla bla all the bullshit" they say give me your money I will invest it for you and you get 2-5% return which I averaged about 3% in 8 years. Stocks are bull crap. I am making good living but I work my ass off to do what I do everyday(web services and products). I was investing my money in stocks, mutual funds, REIT, and some in log term CDs . Well let me tell you something they are whole bunch of Crap compare to what I am about to tell you. This time I asked the right question to right person. Richard T. 24 years old freaking genius, filthy rich millionaire SOB. My question was " how can I make money with my money? and What do you do with your own money? ( lol, I bought him a sushi lunch that ********ing cost me $142 in Soho ) He told me about, personal and credit card instruments . Long story short I am making about $12,000 a year from my $40,000 and I started with $1000 I kept reinvesting for 6 months then I moved all my investments to him. I am still reinvesting and plan on doing for about 5 years.Now, I do this privately with him but you can go ahead and discover yourself on what I am talking about. HTML: Personal Loans and Credit Card financing to low credit individuals. Note: I will not provide any link to any websites or reference and recommend to any individual. This thread is not a solicitation of any product or person. This is strictly an experience and I am sharing with my fellow Black Hatters. But if you have money to invest PM me with your questions.