Before I get ready for dinner tonight, I need to figure out how I would like to invest in the near future. I need a massive change. Money is starting to get scarce, and I need another option to choose from. I should call up Corley and see if she has any advice about investing. She is really good with savings and other financial situations.

Corley! I am so glad I ran into, I was going to come see you tonight for some advice on investing.

Nellie! It is so good to see you! What is your concern?

Normally when I invest in something, I invest in stocks because I want to feel like I have some ownership over something. But I feel like something is just not working. Money is starting to get scarce for me. What do you suggest I should do?

I understand where you are coming from. When I invest in something, I normally invest in bonds. The reason why I invest in bonds is for the purpose of borrowing money and then being able to repay it later. It makes things so much easier!

Wow! That does sound a lot easier! Stocks work by having equities, or sharing the stock. It represents the ownership that one has over a corporation. It can also represent any other advantage that is open to investors. I have just always taken this as the only way to invest.

Bonds work as contracts that requires a repayment of borrowed money. It also requires repayment of interest on borrowed funds. I have always found it more useful to invest in bonds.

I see. What is your return from your investments?

Typically, the government bond returns are between 5% and 6%. Stocks normally have better returns. Bonds do have credit risks that need to watched carefully. However, bonds are essential for the retirement process. What is your normal return?

My return process is actually very good. I return about 10% every year. However, I do have the risk of not having the guarantee of a return.

Wow!