thanks everyone for explaining in really simple words)

agree, I am not smart yet to understand all those things, however I'm trying to become smarter. By the way, to tell you the truth, the only thing worth of investments is real estate. You'll get it when you become a little bit more experienced. I decided to invest money as soon as I became that successful to have extra money, i mean, for me it was real success. I started to search for property investments for sale, when I discovered this searching engine. In fact, I was really excited and this source actually helped me so much, I was a newbie in this field, it explained everything using understandable, simple language. Moreover, you can join a group of investors, it may be extra help)