I just don't like mutual funds. I think they're a rip-off.

If you don't like the idea that most of the money spent on lottery tickets supports government programs, you should know that most of the earnings from mutual funds support investment advisors' and mutual fund managers' retirement.

I think you'll do as well as most professionals. Most professionals don't beat the market. Let's not over-rate my industry. But if you have time, you can be in good mutual funds that have good records.

The best argument for mutual funds is that they offer safety and diversification. But they don't necessarily offer safety and diversification.

The corporate killer downsizing is directly responsive to what the mutual funds have wanted.

Many novice real estate investors soon quit the profession and invest in a well-diversified portfolio of bonds. That's because, when you invest in real estate, you often see a side of humanity that stocks, bonds, mutual funds, and saving money shelter you from.