How would you invest 12,000 dollars?

OK between the spammers and the blivets who say the market or mutual funds, you got NO good answers.

This is the best kept secret in investing. Precious metals. I highly recommend silver right now. It is poised to go nowhere but UP.

Watch the price live at this site. http://www.thebulliondesk.com/

Purchase it from this site, if you like, http://www.golddealer.com/

I would recommend the Silver Eagles. And it is safe to purchase them from reputable sellers on eBay as well.

Be certain to take physical possession of the silver. Millions of investors think they own silver because they have a piece of paper that says so. Silver is what's called, "paper short" right now. There is at least 5 times more silver sold on paper, than actually exists on the entire planet. Google it. So when the prices soar and the "paper" people want their money, well you can see the problem.

Good luck and if you do buy the silver, sit back and fasten your seat belt. The looming silver shortage is due real soon.

I bought in to some more silver just 3 weeks ago and it had not yet hit $15.00/oz. Now it's $18.40 but the sky's the limit for the foreseeable future.

Discount Car Notes. Do a little research you can make 15 to 30% on your investment.

Sure. Learn how to trade in derivatives (options and futures), develop a disciplined trading plan with solid risk management techniques, and make a lot of money. Of course it might take a few years till you get to that point, as it did for me.

If you don't need the money for more than 5 years consider a good balanced mutual fund (one that owns stocks and bonds). Some good balanced funds are:

FPA Crescent (FPACX)

Oakmark Equity & Income (OAKBX)

Regards,

Stang

I would put it in a long term high interest account.

Or buy some good bonds with it.

Why don't you go ahead and pay your bills, 2 months in advance. (mortgage, utility, water, car, etc) then put away a few thousand into savings, and then do something else productive with the rest of your money : )

I would use it to pay my mortgage.