Imagine that a friend asks you for investment advice. he has $10,000 to invest and he has about 35 years before he will be ready for his financial goal of early retirement. what types of investments would you recommend to your friend? why? what other investing advice would you give him to him achieve his financial goals?

It depends on the risk that individual is ready to accept. with 35 years to go I would start with aggressive high tech companies mutual fund 75%, 20% corporate bonds and 5% obligations of US government. With time I would decrease high tech fund and increase corporate bonds. The main point is diversification that lowers risk.

Answer dispose of it in accordance with federal , state, and local requirements;

Like many students at university, you may be unhappy about the results you attain in exams. you may feel that even with all you are doing there must be something more -- or different-- you could be doing to get better grades. we have all at some time or other heard of that student who only studies a couple of hours for final exams and scores a's every time. we stand in awe of those who seem to breeze through without undue effort and seem to need very little in the way of studying to nail an exam. the reasons for success, in what i think are the vast majority of cases, are less esoteric than many students think: successful students consistently apply a series of productive strategies with view to attaining clearly identified learning and grade goals throughout the academic term.