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<p>[QUOTE=&quot;fools_gold, post: 994191, member: 20669&quot;]Welcome to the forums in_ten_city!</p><p><br /></p><p>From the responses you&#039;ve been given, it&#039;s pretty clear everyone is really trying to look out for your best interest. But you see, we don&#039;t have a crystal ball. I&#039;d guess that some here who invest in PM&#039;s, including myself, invest a certain amount that they are willing to&nbsp; LOSE if the prices take a dump.</p><p>Lots have come here to do their homework before investing, just like you.</p><p>You&#039;re the first person ever to make a post regarding paying for graduate school, I guess there&#039;s a first time for everything!</p><p><br /></p><p>I think what&#039;s scary is that you need this money short term. Also, if you do make a profit, don&#039;t forget you have to pay capital gains tax. So include that in your calculations. So the Uncle Sam is willing to take your profits, but won&#039;t subsidize any of your losses. It&#039;s a win win for good old Uncle Sam!!</p><p><br /></p><p>Sometimes your best move is not making any!! You can always CD ladder your $9K. This way you get different returns for the different lengths, and if you ever have an emergency, you could have access to some of those funds quicker without penalty. But if the rates are that low on CD&#039;s, you might as well just stick the cash in your savings account so you have access to ALL the funds depending on your emergency.</p><p><br /></p><p>But back to PM&#039;s. I do think they will gradually rise, i started investing last year and they are higher than when I bought my PM&#039;s. And I see nothing about this gov&#039;t that is going to change course. I just personally just need to not invest too much into PM&#039;s and make sure my cash/PM ratio is at a comfortable ratio....</p><p><br /></p><p>Anyways, don&#039;t rush your decisions, keep hanging out here and see what others have to say![/QUOTE]</p><p><br /></p>

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