Best things you can do with $10,000

  1. Buy Rental Property- Particularly Student Rental

Some places you just need $10,000 down payment




2. Buy a great used car
Check out these three picks for $10,000 from Patrick Olsen of

  • 2008 Ford Fusion: The roomy Fusion— which is “great for a small ­family running errands around town,” according to ­Olsen—has a V-6 engine and gets about 23 miles per gallon.
  • 2008 Kia Sportage: While no-frills, the Sportage is one of the few quality SUVs at this price point. “It’s good for small-business owners and parents whose kids play sports,” Olsen says.
  • 2007 Toyota Prius: This second-genera­tion Prius “is good for those who have a long commute,” says Olsen. “You’ll save a lot of money on gas.” It gets 46 mpg.

3. Give your investments a boost
Research has demonstrated that certain stocks—those that regularly grow divi­dends, have stable prices, are undervalued compared with fundamentals, or have re­cent­ly appreciated—tend to outperform. Split your $10,000 among these characteristics as follows:


4. Chase a market sector before it’s over

Since we’re late in the sixth year of the bull market, many analysts think it’s nearing the end. Certain sectors perform well in the last year of a bull run, including energy (34% average returns in last year of bull), health care (27%) and tech (23%), according to research by Ned Davis. Both energy and technology companies have a lower forward p/e than the S&P 500, and are expected to outgrow the market over the next five years. Meanwhile, “the outlook for the health care sector is promising,” says Eddie Yoon, a portfolio manager and research analyst for Fidelity Investments, “based on factors including an aging global population, an expanding middle class in many emerging markets, and a strong product innovation style.” Look to Money 50 funds Sound Shore SSHFX -0.34% , which allocates almost half of its holdings to energy, technology and health care, and Primecap Odyssey Growth POGRX -0.49% , which has two-thirds of its holdings in health care and technology companies.

5. Invest in the frontier
BRICS is so 2012. With emerging markets countries (recent case in point: Russia) struggling to sustain economic growth, it may be time to look toward faster growing smaller countries (like Ghana and Vietnam). These “frontier” nations have been expanding fast: iShares Frontier 100 FM 0.89% is up 15% this year, but is still less expensive than the S&P 500. (The MSCI Frontier Index forward p/e is 13.6). Moreover, an index of frontier funds has actually been less volatile over the past 15 years than its emerging markets counterpart, says Morninstar’s Patricia Oey.

6. Sprechen Deutsche
If you work for a firm that does business internationally, becoming fluent in another language may pay off. A second language is correlated to an average 2% to 3% increase in annual income, according to research from Wharton and LECG Europe. Chinese provides the highest return. But if you don’t have it in you to learn an entirely new alphabet—and your company is trying to land clients in Deutschland—try learning German, which is correlated to 4% higher pay. One way to get up to speed: A language vacation. offers language immersion programs for travelers in 35 countries. An intensive two-week course with 20 group lessons and 10 private lessons in Berlin is $2200, not including airfare or accommodations. On a $100,000 current salary, it would only take you three years to recoup a $10,000 investment.

Top 10 Countries that receive the most remittances

  1. India $70 billion

2. China $64 billion

3. Nigeria $35 billion

4. Phillipines $30 billion

5. Mexico $22 billion

6. Egypt  $17.5 billion

7. Pakistan   $14.6 billion

8. Bangladesh $13.8 billion

9. Vietnam  $11 billion

10. Ukraine $9.6 million


Countries that depend most on remittances

  1. Tajikistan (52 per cent)

2. Kyrgyz Republic (31 per cent)

3. Nepal  25%

4. Moldova (both 25 per cent)

5. Samoa  23 percent

6. Lesotho (both 23 per cent)

7. Armenia 21%

8. Haiti (both 21 per cent)

9. Liberia (20 per cent) 

10. Kosovo (17 per cent)



The Agenda

It should be the law that banks have to state their loan criteria.
They should have to state the formula they use to approve a loan: What the minimum credit FICO score is they require, the minimum income required and the assets required.
This eliminates banks disqualifying people just for being Black.

World Cities with the highest percentage of millionaires

1. Monaco (29.21%)

2. Zurich (27.34%)

3. Geneva (17.92%)

4. New York (4.63%)

5. Frankfurt (3.88%)

6. London (3.39%)

7. Oslo (2.90%)

8. Singapore (2.80%)

9. Amsterdam (2.63%)

10. Florence (2.59%)

11. Hong Kong (2.58%)

12. Rome (2.54%)

13. Dublin (2.40%)

14. Doha (2.31%)

15. Toronto (2.29%)

16. Venice (2.25%)

17. Brussels (2.11%)


18. Houston (2.09%)

19. San Francisco (2.07%)

20. Paris (2.04%)

Read more: American Cities With the Highest Percentage of Millionaires: New York, Houston, San Francisco – 24/7 Wall St.
Follow us: @247wallst on Twitter | 247wallst on Facebook

Fastest growing publicly traded companies last year


Company Symbol Revenue Q1 2015 % 1-year % upside to target
Actavis ACT 59.5% 43.1% 16.3%
Facebook FB 41.6% 36.2% 18.4%
Regeneron Pharm. REGN 39% 66.9% -1.2%
DR Horton DHI 38.2% 21.9% 6.6%
TripAdvisor TRIP 29.2% -6.7% 7.9%
Under Armour UA 25.5% 65.8% 6.7%
Netflix NFLX 23.9% 69.1% -5.7%
Lennar LEN 20.6% 26.9% 4.2%

Sources: S&P Capital IQ, USA TODAY

Fastest growing Black American Private companies to invest in

1. Pontchartrain Partners


3-Year Growth Rate: 6,535%
2013 Revenue: $10.5 million
Inc. 5000 Rank: No. 38

Founded in 2009 to help rebuild New Orleans’ flood protection system following Hurricane Katrina,Pontchartrain Partners has expanded to provide heavy civil construction, roadways and bridges, mechanical, marine, and coastal restoration services to local, state, and federal government clients. The company’s CEO Danny Blanks credits the team’s combined 50 years of experience as well as its strong network of partners with the company’s stellar growth.


2. Netcom3 Global


3-Year Growth Rate: 4,725%
2013 Revenue: $30.1 million
Inc. 5000 Rank: No. 66

Since 2001, the Laguna Niguel, California-based Netcom3 Global has been developing, marketing, and licensing Internet security and technology support services. As its tagline explains, they “improve PC’s.” The CEO Cashier Myricks would have you think fewer crashes, faster speeds, and better security.


3. American Care Partners


3-Year Growth Rate: 3,657%
2013 Revenue: $6.6 million
Inc. 5000 Rank: No. 96

Founded in 2009, American Care Partnersis a home health care agency offering skilled nursing-care services for children and adults. The Falls Church, Virginia-company was founded in 2009 year by Elias Demoz. In just three years the company has grown from 16 to 192 employees.


4. Urban Investment Group


3-Year Growth Rate: 2,526%
2013 Revenue: $4.8 million
Inc. 5000 Rank: No. 158

The Washington D.C.-based Real estate development firm Urban Investment Group specializes in renovating and developing residential homes and buildings in the D.C. metro area. Founded in 2009, the company, led by Abiud Zerubabel promises best-in-class property management services


5. VETS Etc.


3-Year Growth Rate: 2,162%
2013 Revenue: $6.5 million
Inc. 5000 Rank: No. 203

Founded in 2009, the Seaside, California-based VETS Etc. provides logistics consulting, business process engineering, staffing, business intelligence and analytics services for its clients. John Nash, the founder of VETS Etc., served in the military for 29 years before taking a job with the California Department of Corrections. He then decided to start VETS Etc., to grow and advance the veteran-owned small disadvantaged business community


6. Global Commerce & Services


3-Year Growth Rate: 2,041%
2013 Revenue: $3.5 million
Inc. 5000 Rank: No. 219

Since 2000, Global Commerce & Serviceshas been offering systems and software engineering, information assurance, cyber security and project management to military and government clients. With Joaneane Smith at the helm, the company has completed successful projects for clients like the Navy and USDA.

7. MoTek Technologies


3-Year Growth Rate: 1,475%
2013 Revenue: $2.2 million
Inc. 5000 Rank: No. 315

MoTek Technologies is a technical staffing firm based in Valencia, California. With Jerald Baker at the helm, the company focuses on placing software and hardware engineers in high tech, high growth startups in Silicon Valley. Founded in 2009, the company walks its clients through the job search for technical employees, holding their hand and ensuring a smooth process

8. StandBy Talent Staffing Services


3-Year Growth Rate: 1,179%
2013 Revenue: $3.7 million
Inc. 5000 Rank: No. 396

Atlanta-based StandBy Talent Staffing Services provides project-based, temp-to-hire, and direct-hire staffing services to businesses and organizations in the areas of IT, accounting and finance, and administrative and office support. The company, headed by Derrick Harris has been operating in the Southeast since 2003. The company made it onto the Inc. 5000 last year as well, ranking at number 447


9. Rapier Solutions


3-Year Growth Rate: 1,163%
2013 Revenue: $10.1 million
Inc. 5000 Rank: No. 407

Rapier Solutions and its founder Williams Bailey has graced the Inc. 5000 for three straight years, hitting number 139 in 2012 and 115 in 2013. The veteran-owned business provides systems operation and maintenance, disaster recovery, IT solutions, and logistics services for customers in government, academia, and health care. Rapier has been in business since 2002 and is based out of Matthews, North Carolina



10. Knight Solutions


3-Year Growth Rate: 1,150%
2013 Revenue: $16.2 million
Inc. 5000 Rank: No. 411

Founded in 2005, Knight Solutions is a general contractor that hires veterans to renovate veteran-occupied cemeteries. With the help of CEO Kevin Knight, the Leesburg, Virginia-based company employs more than 120 employees in 15 different U.S. locations. The company was recently awarded the Veterans Affairs Business Award by its home town.



Fastest growing companies in Africa to invest in

16 Fastest-Growing African Companies Named At World Economic Forum

By Dana Sanchez Published: May 8, 2014, 3:56 pm

Disruption of light
Photo: richardblundell.netDisruption of light Photo: richardblundell.netSixteen companies from five African countries considered pioneers, disruptors and innovators were named “global growth companies” at the World Economic Forum underway in Abuja, PremiumTimes reports.

They were chosen based on their ability to become future global leaders, the report said. Six of the companies are South African, six are Nigerian, two are Kenyan, and one each is from Mauritius and Uganda.

Selected Kenyan companies include Nation Media Group; and Bidco Oil Refineries Limited. From Mauritius, GML was chosen; and from Uganda, Simba Group.

The selected Nigerian companies include Nagode Group; UAC of Nigeria Plc; Computer Warehouse Group; Interswitch Limited; Notore Chemical Industries Limited; and Seplat
Petroleum Development Company Plc.

The South African companies selected include Growthpoint Properties; Capitec Bank Holdings Limited; Webber Wentzel; KZN Oils; Net1 UEPS Technologies, Inc; and Tekkie Town.

The companies were recognized as the continent’s most dynamic and high-growth — trailblazers, shapers and innovators committed to improving the state of the world, PremiumTimes reports.

The companies were drawn from a spectrum of industries including financial services, retail, media, chemicals and energy.

The World Economic Forum’s Global Growth Companies community consists of more than 360 companies from around the world. The 16 selected African companies share in common a track record of leadership in corporate citizenship, exceeding industry standards in revenue growth and promotion of innovative business practices, the report said.

“These 16 champions … are at the forefront of driving responsible economic growth, job creation and entrepreneurism in Africa,” said David Aikman. “We look forward to the active and dynamic role they will play at our meeting in Abuja, working with the region’s leaders to foster inclusive, sustainable growth in the region.”

The co-chairmen and co-chairwomen of the World Economic Forum meeting include Dominic Barton, managing director of McKinsey & Company, U.K.; Jean-François van Boxmeer, CEO of Heineken, Netherlands; Aliko Dangote, CEO of Dangote Group; Bineta Diop, president of Femmes Africa Solidarité, Switzerland; Jabu A. Mabuza, chairman of Telkom Group, South Africa; Sunil Bharti Mittal, chairman of Bharti Enterprises, India; and John Rice, vice chairman of GE, Hong Kong.

– See more at:

Biggest Lottery Winners of all times

The identity of the lottery winners is not always revealed, so it’s best to look at these through the largest payouts and how they were divided. Here are the top five jackpots with respect to total payout. The larger number is the amount of the annuity (how much winners would get over many years) while the cash payout represents a smaller lump-sum amount that a winner could choose to receive.

  1. $656 Million – Three winning tickets were cashed on the March 30, 2012 Mega Millions drawing, which, as of this writing, is the largest jackpot total as well as the largest cash payout (471 million). The only winning ticket holders to be identified were Merle and Patricia Butler of the small Southern Illinois town of Red Bud. The other winners were a group of teachers in Milford Mill, Maryland, and a single anonymous winner in Ottawa, Kansas.

2. $648 Million – The second largest jackpot was also a Mega Millions drawing. The December 17, 2013, drawing brought two winning ticket holders a total cash value of347.6 million. Steve Tran, a delivery truck driver in northern California, claimed half of the prize while Ira Curry of Stone Mountain, Georgia claimed the other half.

3. $590.5 Million – The highest Powerball payout in history went to a single winner: Gloria Mackenzie, who was 84 years old at the time of the drawing on May 18, 2013. The Florida woman received the highest single amount of cash collected by a single winner (370.9 million). This particular draw also featured the unluckiest lottery player of all time: the gracious gentleman who let Mackenzie go ahead of him in line to purchase a ticket.

4. $587.5 Million – The Powerball drawing on November 28, 2012, produced two winning tickets for an overall cash payout of384.7 million, the all-time record in cash payouts on a single drawing for Powerball. The prize was split between Matthew Good of the Phoenix, Arizona, suburb of Fountain Hills, and Mark and Cindy Hill of Dearborn, Missouri. Good and his wife attempted to remain anonymous, but public records laws forced the disclosure of his name.

5. $564 million – The February 2015 Powerball drawing produced three winners and a cash value of381 million. The first winner to claim was Marie Holmes, a 26-year old single mother of four from Shallotte, North Carolina. A second winner in Puerto Rico has decided to remain anonymous, and a third winning ticket was sold at the Appletree Food Mart in Princeton, Texas, near the Dallas-Fort Worth area. The proceeds from the Texas ticket have been placed in a trust under the name TL Management Trust.