re: If you received $500K, how would you invest it?

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Now I'm sure the bankers on here are nice gutys, and good at what they do. But if they are so friggin smart, why don't they start their own business, and make their own million.

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Read the book "where are our clients yachts?"

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And my little bank has larger market share in my area than the top 3 national banks combined. Our little shite kicking farmer bank is well over a billion.

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Cool story. My team of 8 bankers an 6 underwriters closed more than that last year.

Also, the lowest paid banker in the entire bank gets paid way more than 72k.

I don't hate small banks. They have their place and can offer a lot of financial flexibility that Basel 3 institutions can't. I'll admit that.

However to say that big bankers aren't as smart as small bankers is absurd. I have met some small bankers that are phenomenally intelligent and skilled and I have met some that made me shudder with disgust as they tried to explain how shortening an Amortization would improve EDSC. What I have never seen is a large banker who didn't understand how to structure a deal. Some are more sales oriented, some are more structure oriented, but they are all at least mentally capable and have some form of credit training.