cash on hand, page-64

First of all, Klob, what are you doing at Maccas straight after the Gym? It doesnt matter whether you are trying lose weight, get fit, or gain muscle, Maccas won't do much for you. In saying that though, I am a sucker for a Quater Pounder.

Yes, some cases of homelessness are due to bad luck, but some are because of bad decisions, alcohol, drugs etc.

Re your investments, you have to do what you feel is right for you. While investing in SDL might be worthwhile for some, for others it may not be worthwhile.

For example, if I was down to my last $1000, SDL would be too risky a proposition for me. I would be better off investing this money in trying to keep myself afloat and look for a job. There are a range of different shares out there, to suit a range of peoples needs, whether you are looking for high risk high return propositions, or whether you are looking for lowever risk option. Some over stable dividends, whilst others offer growth oppurtunities.

Good luck.