All of my data is pulled from Citydata.com, census.gov, and public information crime index.

Otherwise anyone who dumped money in the stock market a year ago can start guaranteeing 300-500% annualized return with zero effort.By the way, anyone who dumped money in a diversified stock index (like s&p500) 10 years ago has had 15% annualized return with zero effort, but even that can’t be guaranteed.

Its basic formatting ultimately does everything that's needed, and I'll be able to manage things like an index with links.There are a host of other topics about SOPs - I found this one to be insightful.

For that spread and risk, you might be better off putting it in index funds or maybe even in just high yield savings...probably can get 4.5% in high yield savings with almost zero risk.   

An S&P Index Fund? 

Currently transferring my tech stock holdings into index funds, and my live in flipping into more buy and hold. 

We'd invest more in S&P 500 index funds, spend a little more, and give a little more. 

Hardly a 'financial advisor' IMO.My boys have growth stock mutual funds and index funds. 

I would take a year of putting it into a low index ETF fund while making a plan to invest it.

Since 2007, the total change in the in-home price index has been +45.6 percent.