I've never seen anyone that can accurately tell you if a house, stock, precious metal is going to go up or down.

and investing in CDs or investing in a stock index fund or even using the money to buy a good cash flowing rental.

Based on the supply of homes for sale and the time of year, I predict home values will drop a little bit over this winter until early spring.

You want overnight money, go bet on penny stock small cap biopharma and biotech stocks.

For me, I like to have a predictable system.

You won’t have to worry about which policy or carrier covers what, reducing the chances of delays or disputes between carriers.More Predictable CostsScheduled programs often allow for more predictable budgeting.

However, I’ve been fortunate to accumulate some wealth over the years, primarily through smart investments in the stock market.

If the stock market keeps rising like this January, maybe HF will be more interested in funneling their money back to the stock market, lol

If you're familiar with stock options, this is exactly how call options work, although they only go out a max of maybe 27 months or so.My questions are a bit numerous, but I've ordered them roughly in order of importance for me: -Is this legal?

About 70% real estate but started at 100% stocks/etfs.