Risk tolerance- Which has the greater risk? 

@Moshood Balogun congrats on completing school and finding a job that makes doing a 9-5 more than tolerable, that's half the battle in W-2 jobs.

I agree with many comments regarding dishonest and unethical practices; being dishonest and misleading a seller or anyone in the public should not be tolerated and is not a good practice.

Bonds: It's kind of a waste of time nowadays, but needed for your asset allocation according to your risk tolerance.  

Even as I reread it I am confused.With your experience you are well aware that risk tolerance is determined by the individual and is a very personal matter.

To avoid fees and in an attempt to preserve your capital the smartest move is to invest your 401(k) money in index funds, unless you have the knowledge and risk tolerance to make better choices inside your 401(k) plan.Too often the choices available in 401(k) plans are really bad and if you are not careful you can do poorly with that investment.That was the case for me.

However, personal attacks will not be tolerated on BiggerPockets and any further attacks will be removed without notice.  

All investments under $500,000 cost yield a return/time/opportunity cost ratio lower than the return/time/opportunity cost ratio requirement of all investors.In other words, the author of this statement must assume that all investors are like him in regards to net worth, capital available, goals, risk tolerance, time availability.A 500,000 investment probably would not be worth the time and effort to Warren Buffet, however it may well be worth it to me!

Lots of good cash flowing multis there but really depends on the street and your tolerance level if its worth it or not.

So that will just depend on your personal situation and risk tolerance.