Investing in stocks and bonds is a scam in America. You must be thinking that government has done a great job by passing the financial reform bill but beware friends - wall street lobbyists have spent billions to have the bills do exactly what they want - use unclear dubious words and give big financial companies enough leeway to work their way out in case another crises dawn upon us.

It seems that I have literally started getting alienated with the US government and the scam it's playing. So why do I think investing is a scam? Here are my reasons:

1. Money, money, money - How much money do you have to invest? 1k, 2k, 10k, 100k? Can you beat the big buys who have millions and billions on dollars to invest and change the course of market based on their decisions? Imagine the discount they must be getting for their big bucks on their transactions. You are losing even if you think that you have a discount brokerage like Etrade, Scottrade or T. Row Price. You need lots of capital to play a fair game and it's fair to say that not everybody has that kind of money.

2. Contact, contact, contact - All the big guys have big connection in Washington. They have access to information about the political choices (in fact they affect the political choices of congressmen and congresswomen by lobbying). Such information can take a stock to all time high or take it all the way to the south. Can you have that information accessible to you before them? Of course not.

3. Retirement scam - Why is every retirement scheme devoid of a safe heaven for money? When you save for retirement you have to put your money in either stocks or bonds. Even the safest money market fund, which is nothing but a short term bond fund lost money during recent recession. There is no saving account that guarantees your principle. Why is that? You guessed right - that's because government wanted to give our retirement money to big banks so that they can play with it and get rich. But why would government do such things? Simple answer - lobbying. I think government is just a middleman in law making. It should be removed and let the big banks and capitalist make the laws, which they do anyways.

4. Failure of regulators - How many times our so called regulators have failed to save interests of common people? We all know that these regulators care for big companies with deep pockets. And the ones who try to speak for us are either ousted from their role or asked to be shut - the way Alan Greenpan and Larry Summer did with Brooksley Born (Chair, Commodity Futures Trading Commission (CFTC) (1996-1999)) (Frontline video from PBS right here: http://www.pbs.org/wgbh/pages/frontline/warning/ a must watch to see how ignorant Alan Greenpan was)

Bottom line is that as an individual investor you might get lucky here and there to make some money but you are not "investing" indeed. In fact every if we want to play by the rules and try to be a true investor we can't be, because all these people have created a scam to become rich by taking money away from us and making us think that maybe the guy next door is a better investor. I would say the guy next door is a better scammer.

What can you do?
What is real money when you can't trust your own government? The answer is simple - it's the things that no one can take from you by scams and these are
1. Land
2. Gold, Silver, Precious metals
3. House
4. Livestock
5. Your profitable business
6. Your own improvement

Invest in these things and get a peace of mind. What did government do for all the retiree who lost 40 to 60% of their savings in 2008-2009? Absolutely nothing! But it surely bailed out big banks and their top executives.

Watch for yourself and don't think that anybody would watch for you!

Happy savings!