Be careful when someone tells you about a sure thing, bub. Lots of times, it won't happen. Don't believe me? Then check out this British joe who was told by the docs that he had pancreatic cancer, and they gave him two years to live. He didn't bother getting cancer treatment, so he does what anybody with a pea-sized brain does ... he stopped paying on his mortgage, spent all his dough and ran up a bunch of credit card debt.

Then lo and behold, baby ... turns out the doctors gave him the wrong info, and he's healthy as an ox (dumb as one, too). So now he's suing the hospital to get back part of what he spent. Even though he thought he was gonna shake hands with the Angel of Death, he wound up doing the tango with the angel of debt.

No such thing as a sure thing, jack. Everything has risk, so do the best you can to take risk out of the situation and go from there ... that's what ol' Dave Ramsey says. If some buddy tells you about a can't miss chance to invest money, be wary and stay out of trouble.