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To make 3-10% returns, the bank assumes risk. In the savings account, you do not assume any risk (or it's a low enough risk as to be effectively no risk short of total economic collapse). Additionally, the bank has to make some money in exchange for providing you with a service. If it didn't...

If you're in canada check out questrade. 4.95 to buy/sell stocks. I used them before I moved to the states.

Well, the tiny startup I work at has no MBAs, only engineers and physicists. And I'm only the 4th employee there, after the two founders and a PhD they hired last year. So if we grow I don't think I'll have too many people ordering me around besides the founders. Of course, there's also always...

Meh, it's not bad at all. You just gotta not be a fool and go get a useful degree. There is something like 100,000 unfilled engineering jobs in the Western world (mostly USA and Germany) according to an article I read a few days ago, and no one to fill them with. I graduated from my masters in...