Here we are told to invest and be smart about it. This is not a chart of what to buy, but a basic introduction to basic tenets. What is the difference between a share of stock and a bond? What are mutual funds? What are utilities? In sum, what are the various types of stocks, the various kinds of bonds. What does it mean to invest for growth, to invest for income? What is a conservative investment; what a speculative one? How does a business incorporate and why? How does business raise money? How does an individual open an account with a brokerage firm? How does one read the financial news, investment reports, daily quotations? This is a simple, straightforward approach as to how to balance your income, and what to do with what is left over towards plans for the future and security.