I'm gonna give you some god options so listen up..

If you want to go for 10% return you are gonna have to put it into stocks or funds which = more risk.

So here are some very safe options, virtually no risk.

1. Open a CDARS account with a bank. They can FDIC insure up to $20million. They do it by spreading your funds across a network of banks, but you only have one account so it is very consilated. They are currently paying 4%. However you will have to pay taxes on the interest earned. Another plus is no broker fees or bank fees. Only downfall is you have to leave the money in a CD, but can go as short as 4 weeks which is nice. If you go longer you can get more than 4%. Also the rate keeps going up.

2. State or government bonds. You can buy several of the at like $25k, or dump $100k into a couple. These pay a lower percentage around 3%, but they are tax free so you actually make more than something paying 4-4.5%. Brokers can see you these and they make pretty much no money on them, or at least they don't charge you but get kick backs from the state or city govs I believe. These have 30 day cycles, which is nothing.

3. If you want to take more risk look at American Funds, they have been around forever and outperfom the S&P. I think they did about 14% last year.

I hear US treasuries and bonds will do well over the next couple years too.

anyways thats my input.

yeah but only FDIC up to $100k

You can make 4% hear and not worry about corruption.

yeah great domain.. but tru how would you monetize it.

LOL, I was referring to the US market obviously.

But what you are saying violates the basic principals of investment. Higher the returns higher the risks.

then why wouldn't you buy it? just curious

It's off topic, but if you ran our iframe on there you should do $100 a day. and of course you could have other sponsors. I think it's possible.

hahaha good one. It's a bad idea to keep much money in your house though

prosper.com looks like zopa.com

might want to take a look at the following article:

http://www.fool.co.uk/news/foolseyev...fev050308c.htm

Propperty. Period.

dunno about you guys by my personal bank account has no fees and gives 5.35% interest, compounded and paid daily.

That's not bad to stuff some "leftover" money!

I'm mostly into LEAP (long term options),and hedging my money. Doing quite good!

you can put in angels funds (the roi is above 30%) but you have to have a good friends to do that and a lot of time....

great thread

which bank is that?

No... that's the popular mentality.

Thats perhaps coz u didnt ask me for any info

Company is same sector as VFC which, if you follow the candian markets you would know just got bought out by TD bank last week for $360 million - it was the biggest jump (and news) on the TSX last week. The industry is soaring thanks to this validation of the sector.

equity offering is RRSP eligible with federally registered certificates issued.
debt investment is a nice conservative & safe place to put funds

beats the ass off the matress suggestion. :upsidedow

100% interest

Im getting between 15/20% "per month" from my managed fx accounts :P

dude my advice is to invest in realestates go to some bulgarian property site and see the offers they are much to come ofcourse and the market in bulgaria is just starting to expand.

How about good old American Treasury Bonds? 100% safe, guaranteed return on investment. Take the I-Bond (Inflation Indexed bond). It currently yield 6.73% (readjusts every 6 months). 1 year ago it yielded 4.6% (at the same time money markets were at like 2%. The interest grows tax deferred, and is exempt from state taxes (which makes the effective yield something lik 7.4% here in Oregon).

4-5 years ago they were yielding north of 9%.

www.treasurydirect.gov

(they have a 30k max per year investment, and a minimum 1 year holding period).

Thus far I can't find any reason anyone would ever choose a CD or bond yielding less then 5% when this option exists.

If you were in the domain market you'd know that not a whole lot of people with good domains want out.

Thats a pretty cool site. Who would have ever thought? eLoanSharking.

prosper.com looks great, but I don't think they take non-US lenders

in regards to hebrew.com, probably only thing worth doing is to redirect it to jdate.com or something, not worth $125k unless you are jewish and its sentimental value :)

In regards to real estate, commercial real estate values are a derivative of their net operating income everywhere in the world. If you buy in a stable market (read: not California if you're in the US) and hold for the long term, with 80% debt you will make a 20-30% return every year for the first five years or so. You will not lose if you buy a stable property in a 'boring' market and do not over-leverage yourself. With 20% down payment you should have about a 10% cash on cash return every year (not counting appreciation and mortgage paydown), which is more than enough to cover any contingencies. Medium sized apartment complexes are probably best (50 units) because with more tenants, there is less risk of losing enough to put you negative. The 10% cash on cash is the net after paying a good management company to run everything so you don't have to deal with it.

Breakdown of how you get 30% return for the first 5 years:

10% cash on cash from rents
10% from morgage pay down (2% is paid on mrtg balance per year, but you only put 20% down, so this magnifies your return)
10% for appreciation (2% appreciation per year from rent increases)

You will lose some money if you sell it in 5 years (probably 1 year's worth of gain) because of real estate commissions, but if you refinance and take your money out and buy another property, you can do it all over again. If you keep doing this in 15 years you will be rich.

p.s. or you could buy $200k worth of adwords and send to Webcams.com :)

I've seen a UK-based site that takes it one step further... your money goes into a pool which is lent to multiple borrowers, so that one or two people defaulting won't leave you with zero.

Lots of credit unions have 6%ish APY savings certificates...

have u delt with every single domain owner in this world?
i use the term "want out" to apply to real estate.

for domains, u can say "undevelopped, no sedo landing, nothing on page. etc etc)

so ya, if u have delt with everyone in this world that owns a good domain, congratulations.

Real estate.. lol,

where was this cry for real estate pre 1999?

wait till the numbers dont make sense and everyone jumps into stocks again

he was talking a 200k investment, not buying a single family 'investment homes'..

investments are investments. like i said, if interest keeps going up or other factors, then RE might not be a good investment

Except these two points:

• All applicants are given a credit score (categories A, B, C or D where A is the best credit rating) by the credit reference agency Equifax. Only those who fall into categories A and B are allowed to borrow through Zopa.
  
• You can't choose which individuals to lend to - you only choose which of the two markets to lend to ie: borrowers classified as extremely creditworthy (Market A) or those who are marginally a higher risk (Market B)

With Prosper, everyone is allowed to apply. For those who want to play it safe, Zopa is prolly OK but I like to take a little risk every once in a while in exchange for the possibility of higher returns, so I might want to try loaning out to a few high risks to see what happens. Some of the intrest rates are upwards of 20% on Prosper, so it would seem that there is definitely a potential for profit. And by loaning smaller amounts to more people, risk can be spread out (not everyone is going to default) and the numbers would come out better I would think.

They do the same thing, you setup a standing order and tell the system to loan "X" to each borrower up to "Y" that meets A, B and C criteria. Then the system goes and loans out to those who meet the requirements. You can do as little as $50 to each borrow up to the full amount of thier request.

I think the way I would play it is this: (Assuming I had $100K to play with)

Setup a standing order to do $2500 to those with AA ratings up to $50K.
Setup a standing order to do $1500 to those with A ratings up to $20K.
Setup a standing order to do $1000 to those with B ratings up to $20K.
Setup a standing order to do $100 to those with C/D ratings up to $5K.
Setup a standing order to do $50 to those with HR/NC ratings up to $5K.

That way the robot does all the work and the lending is always diversified. Someone that has an AA rating probably isnt going to default on a $2500 loan. Its just not very likely to happen. That would keep the risk spread around with the most of it being in the right department with a little in the high risk dept.

And high risk loans are profitable. Look at all those check cashing stores that loan people $500 to hold a personal check. Those loans cost something like upwards of 600% APY so I have heard, you can affoard alot of defaults when you are raking it in like that.

What's the catch here? Have you actually bought these? Why would anyone buy coorporate bonds that yield less than that? Or buy cds that yield about half that? And why would normal treasury bonds pay 4.5% while this pays 6.5%?

Yeah, but with a good commercial propery rates would have to go higher than 10% before you even have to worry about being negatively geared, while the same isn't true for single family residential (which is what everyone is doing).. if you are really conservative put 30% down, and you won't be negative unless rates go above 12% or so. With 30% down you'll still make about 20%/yearly

more better to put money on Romania stock index, ROTX. Romaniab stocks will rise same way as countries who joined EU two years before (czech, poland, hungary, etc.). Last year it was 60% percent up, this year its already about 15% percent up.

any way to just buy the index instead of buying individual stocks?

I guess its possible to buy it only via EU based brokers.
You can see chart of Romanian stock index here:
http://zertifikatejournal.cz/content...ChartHist =12
almost 100% percent gain from last march (i would like to correct details from my previous post about rise of index). I recommed this because i am from on these new EU countries (czech republic) and our index has increased for around 300% in past 5 years. The same situation was in other countries who joined EU too. And Romanian will become EU member next year.

nice info boys

Surprised no one has mentioned ING.com for something real easy. They pay 3.75% interest with no fees on anything at all. No minimum, can get your money in 2-3 days. They actually have a special of 4.75% on money deposited this winter.

It's nothing special, but if you're lazy like me, it's nice to logon once a month and throw some extra cash in there and not have to worry.

http://www.emigrantdirect.com/ usually beats ING by .25%