High Interest Investment - High Interest Investment High-yield Knowledge Base

High Interest Investment High-Yield Knowledge Base

Does anyone know about High Yield Investment Programs where they pay you 1.5% interest per day? I understand that this is probably a Ponzi scheme but if they can spread and add new members for a long period of time, it might be profittable. I am willing to take high risk on a small amount of money. Does anyone have any additional information, experiences, or thoughts on this?

What time of investments are tax deffered? I want to invest 10k into a high yield interest rate product.?

for GIC term deposits, are there any high interest rates like 4% annually? for instance, if i deposit $10,000 in a GIC investment, is there any chance of being offered a high yield or interest like 4% just for ONE year? Most of the banks only pay 1 or 2% interest just for one year so at the end of the day i only make like $200 for the whole year out of this.

How do you find out if your high yield fund has real levereged buyout junk or good but lower qualitybonds? Although there was a sharp increase in the interest rate on low-grade debt securities, there was little if any increase in interest rates on investment grade securities, which constitute the vast majority stocks in S&P 500. This is because the increase in the spread between investment-grade bonds and the Treasury yields was more than offset by the drop in U.S. treasury yields, so credit costs for quality stocks have not increased. But high yield mutual funds may not differentiate between lower quality bonds the the LBO junk? HOw do you tell what a particular high yield fund has? I don't want to invest in the buyout of Cadbury Schweppes soft drink segment.

Combine interest rate/yield for investment? You cannot LADDER interest rates for different financial instruments. But is it possible to COMBINE an interest rate AND a yield into one for a higher rate of return. Say open a direct foreign brokerage account (multi currency) where there are very high interest rates and in that same account own shares of a mutual fund (also in that country) that have a very high yield return?

Can someone open a time account (CD or high yield) without a SSN? I am an international student and planning to put some future tuition money into a CD/investment accounts for some interest since I don't need it right a way. However, I do not have a SSN or Tax ID. The bank did not require to have SSN/TIN when opening checking/saving accounts. I wonder if the same thing applied to interest return account since there maybe tax on the interest paid. Thanks for your responses.

Is a deferred interest loan good for people who make very average money.? We have currently signed up for this outrageous deferred interest program where we make minimum payments to our lender then put a small ammount into a high yield investment account to pay the deferred interest later. We know we will have to refinance in 2-3 years, but for a larger ammount that we cannot afford. We are just freaking out here and need some help from someone who just doesnt want our money!

What's next in risk after High Yield Money Market Savings? My wife and I have quite a bit of money in our money market savings account @ approx 4% interest. We'd like to move some money out into some other investments for slightly higher returns with a proportionate amount of risk. What would you guys say the next least risky investment be that would yeild a consistant say.. 6% return every year? Essentially, I would like to type into any stock chart and see the 1 yr return @ around 5-6% return, 5 yr return @ about 27% .. and 10 year @ 62%. (My wife and I have a very low tolerance for risk) Thank you in advance,

More about deferred interest loans!? First of all.... thanks to everyone who offered great advise on my first question. Here is a more complete scenario. We refinanced our old home (now a rental) and put 10% down on this house. The rest of the equity we put into a high yield investment account. Both loans are negative ammortization/ deferred interest loans. Now we are making the minimum payment to the bank, and putting what we thought would be the rest of our house payments into the investment account. The purpose of the investment account is to pay off deferred interest and make a little more money. Now that we have signed the loans we are learning more about the numbers and they don't make sense. We are deferring more interest than we are putting in our account. We did not make a un- educated decision, but we are learning more. Do we get out or stick with it? If we get out we will have to pay penalties! AHHH!

Short term investment - What will give me the highest yield? Let's say I have $40,000 that I'd like to gain as much interest as possible in a 3-5 month period at which time I'll need to spend the money. Any ideas? Anything better than a savings account?

What is the highest yield guarenteed investment for 1-5 years? I am looking to purchase a piece of land to build a house on. I will be getting an interest only loan to hold the land for me until the housing market improves and I can sell my existing house. In the meantime I plan on doing a lot of the prep work so the site will be ready. In the meantime, I would like to gradually pay down my principle until I'm ready to buy the land outright (probably 3 years, maybe more.) I'm thinking the best way to handle the principle payments is to put everything in some type of savings, CD, money market account so it's earning interest. Then, once a year I take a chunk out and pay that towards the principle. This way I can offset the interest payments I'll be making with the earned interest. I'd also be lowering my interest payments by reducing the amount financed. My question is, where can I go for the highest yield account which will allow me to take money out at specified intervals? I am looking to purchase a piece of land to build a house on. I will be getting an interest only loan to hold the land for me until the housing market improves and I can sell my existing house. In the meantime I plan on doing a lot of the prep work so the site will be ready. In the meantime, I would like to gradually pay down my principle until I'm ready to buy the land outright (probably 3 years, maybe more.) I'm thinking the best way to handle the principle payments is to put everything in some type of savings, CD, money market account so it's earning interest. Then, once a year I take a chunk out and pay that towards the principle. This way I can offset the interest payments I'll be making with the earned interest. I'd also be lowering my interest payments by reducing the amount financed. My question is, where can I go for the highest yield account which will allow me to take money out at specified intervals? I'm not looking to eliminate the interest on my loan, just offset it. Sorry, this is the first time using Yahoo Answers. I meant to just add the following: I am not looking to completely cancel out the interest I'll be paying, just offset it. Any interest I gain on what I've saved could then be used towards bringing the principle down.

What is a good way for me to invest money for a short gain without using the stock market? I am a soldier in the US Army and I am getting ready to deploy to Afghanistan. I want to know if there is any kind of high interest savings accounts I can qualify for or any good way to invest my money for a high turnover. I would also like to know if anyone knows if I qualify for any type of high yield investment because I am a soldier, or because I will be a deployed soldier. My ending goal is to build my family a nice home when I get out of the army. A 5 year turn around on investments is ideal for me. Thank you. Ok that is no help because I already know of one that pays out 10 % to deployed soldiers while deployed. Saying no such program exists means you dont do your homework. Please only fellow soldeirs, sailors or airman who have deployed and know of the savings or investment opp. need respond. Thanks.

What was the annual return you earned on this investment? You purchase a high-yield, junk bond for $1,000 that pays $140 annually. After buying the bond, yields decline and you are able to reinvest the interest at only 9 percent. You reinvest all the interest payments. What was the annual return you earned on this investment How much will you have when the bond is retired after 12 years?

Is promoting a HYIP illegal? A HYIP is a High Yield Investment Program, typically offering an interest rate of 1% a day on your deposit. Most however turn out to be Ponzi's which pay off old investors with new investor's money. Many HYIP's offer a referral commision. If I were to promote a HYIP but explain the full risks of investing in them. Would that be illegal to do in the UK? There is no way I can know whether a program is a ponzi or not, however I do know that most probably are.

I have $25,000 on hand which i dont want to touch, what type of investment can you suggest that yields...? highest of interest which i can withdraw on a monthly basis (interest withdrawal only). i am willing not to touch the $25,000 for up to 5 years. i only need to get the interest. What can you suggest? high-yield online savings? CD? time deposit? credit union deposit? Which one yields the highest interest? thank you

How do you feel about using loans to invest? How do you feel about using credit to invest in higher yielding investment vehicles, then keeping the difference in interest for yourself as profit? People (especially Americans) comfortably buy cars that depreciate on credit, or buy houses using loans. How do you feel about using that same concept but investing the funds from your line of credit with your Forex trader, stock broker, or hedge fund for example? Resources: http://corporatemillions.com

Is This A Scam? OFFICE OF THE DIRECTOR OF CREDIT CONTROL INTERNATIONAL CREDIT BANK PLC, 101-103 AVENUE, KWAME NKURUMAH, OUAGADOUGOU BURKINA FASO. PHONE: +226-70377447. Dear Sir/Madam, RE; REQUEST FOR YOU TO STAND AS A NEXT OF KIN AND REPATRIATE 5.5 MILLION USD TO YOUR PRIVATE/COMPANY ACCOUNT. I was mandated by the Managing Director of INTERNATIONAL CREDIT BANK PLC to ascertain your interest and capability to Co-operate with us in actualizing this highly rewarding project on repatriation of funds to your country. Are you willing to be presented as the bonafide next of kin to Mr.Floyd Tarantino, a crude oil merchant from Australia. Until his untimely death by the Tsunami Disaster in Indonesia, Mr.Floyd operated a fixed Deposit account of Five Million five hundred thousand United States Dollars(US$5,500,000.00) with INTERNATIONAL CREDIT BANK PLC. Sequel to his death, the Bank made concerted effort to contact the immediate family in Australia in order to re-claim and transfer the ownership of the fund. Unfortunately, the Bank discovered recently that the immediate families of the depositor Mr. Floyd were also drastically affected by the same Tsunami while on holidays. Apparently, the fund is now in full custody of the Bank. After a very serious survey, I and the CEO of the Bank decided to repatriate this fund to a trustworthy and reliable overseas bank account for high yield investment portfolios. The modality of disbursing the fund will be discussed fully with the Bank-Account owner/provider, which we are offering you. All the documents establishing the deposit of the fund and empowering you to be Next of Kin/Beneficiary of the fund will be perfectly secured in your name if interested in helping secure the fund. Transfer of this fund can be swiftly and successfully implemented within 14 bank working days if you provide the necessary overseas infrastructure required to realize the objective. Please protect my position in my bank by keeping everything secret and confidential until we transfer this funds to your distination.Be kind enough to confirm the receipt of this message for more clarification. Awaiting your reply. Sincerely, Mr.Spiff Izuma N:B Please call me +226-70377447 and reply via this email:spiffizuma@mail.ru

What is an HYIP? I am interested in investing a small amount of my savings in a very agressive way, and stumbled on High Yield Investment Programmes. How do they work?

Is saving money every month the best way to save money for a house down payment? Now I'm saving as much as $400 a month and I put the money into the American Express High-Yield Savings Account so I can earn some interest at the end of the year. My target is $10,000 in 2 years. So would you guys recommend me to put the money into some kind of investment plan or let the money remain where it is right now because 2 years seem to me is quiet long. Thanks.

In which of the following situations you can expect multiple answers of IRR? 1. Why net present value is the most important criteria for selecting the project in capital budgeting? a. Because it has a direct link with the shareholders dividends maximization b. Because it helps in quick judgment regarding the investment in real assets c. Because we have a simple formula to calculate the cash flows d. Because it has direct link with shareholders wealth maximization 2. In which of the following situations you can expect multiple answers of IRR? a. More than one sign change taking place in cash flow diagram b. There are two adjacent arrows one of them is downward pointing & the other one is upward pointing c. During the life of project if you have any net cash outflow d. All of the given options 3. Which one of the following selects the combination of investment proposals that will provide the greatest increase in the value of the firm within the budget ceiling constraint? a. Cash budgeting b. Capital budgeting c. Capital expenditure d. Capital rationing 4. Who is responsible for the decisions relating capital budgeting and capital rationing? a. Chief executive officer b. Junior management c. Division heads d. All of the given option 5. What is a legal agreement, also called the deed of trust, between the corporation issuing bonds and the bondholders that establish the terms of the bond issue? a. Indenture b. Debenture c. Bond d. Bond trustee 6. __________ is a high-risk, high-yield bond rated below investment grade; while a/ (an) __________ bond has its interest payment contingent on sufficient earnings of the firm. a. A junk bond; income b. A subordinated debenture; mortgage c. A debenture; subordinated debenture d. An income bond; mortgage 7. __________ is a long-term, unsecured debt instrument with a lower claim on assets and income than other classes of debt; while a/(an) __________ bond issue is secured by the issuer's property. a. A subordinated debenture; mortgage b. A debenture; subordinated debenture c. A junk bond; income d. An income bond; junk 8. The value of the bond is NOT directly tied to the value of which of the following assets? a. Liquid assets of the business b. Fixed assets of the business c. Lon term assets of the business d. Real assets of the business 9. The value of a bond is directly derived from which of the following? a. Cash flows b. Coupon receipts c. Par recovery at maturity d. All of the given options 10. Which of the following is not the present value of the bond? a. Intrinsic value b. Fair price c. Theoretical price d. Market price 11. The current yield on a bond is equal to ________. a. The yield to maturity b. Annual interest divided by the par value c. Annual interest divided by the current market price d. The internal rate of return 12. A coupon bond pays annual interest, has a par value of Rs.1,000 matures in 4 years, has a coupon rate of 10%, and has a yield to maturity of 12%. What is the current yield on this bond is? a. 10.45% b. 10.95% c. 10.65% d. 10.52% 13. Which of the following is a characteristic of a coupon bond? a. Does not pay interest on a regular basis but pays a lump sum at maturity b. Can always be converted into a specific number of shares of common stock in the issuing company c. Pays interest on a regular basis (typically every six months) d. Always sells at par 14. Which of the following value of the shares changes with investor’s perception about the company’s future and supply and demand situation? (Comprehension) a. Par value b. Intrinsic value c. Market value d. Face value 15. The value of direct claim security is derived from which of the following? a. Fundamental analysis b. Underlying real asset c. Supply and demand of securities in the market d. All of the given options 16. _________ is equal to (common shareholders' equity/common shares outstanding). a. Liquidation value per share b. Book value per share c. Market value per share d. None of the above 17. Low Tech Company has an expected ROE of 10%. The dividend growth rate will be ________ if the firm follows a policy of paying 40% of earnings in the form of dividends. a. 4.8% b. 6.0% c. 7.2% d. 3.0% 18. High Tech Chip Company is expected to have EPS in the coming year of Rs. 2.50. The expected ROE is 12.5%. An appropriate required return on the stock is 11%. If the firm has a plowback ratio of 70%, what would be the growth rate of dividends? a. 6.25% b. 8.75% c. 6.60% d. 7.50% 19. In the dividend discount model, _______ which of the following are NOT incorporated into the discount rate? a. Real risk-free rate b. Risk premium for stocks c. Return on assets d. Expected inflation rate 20. Bond is a type of Direct Claim Security whose value is NOT secured by __________. a. Tangible assets b. Fixed assets c. Intangible assets d. Real assets

Can u show me how to do this question please? A high-yield savings pays 20% interest, compounded continuously. How long would it take an initial investment of $2500 to grow to $20,000?

Is it better to minimise tax deductible interest on my loan or earn interest in a savings account? I am trying to decide whether to pay off my investment property debt more quickly by puting extra money into paying off the debt, or to instead pay the minimum amount on the mortgage and put the extra money into a high yielding bank account (i.e. 7% interest) and then think about buying a further property in the future. My mortgage repayment is $550 per month, and I pay 8.5%p/a interest on the loan. The reason I would want to put the money into my loan is to minimise the interest I pay. However,the interest on the loan is tax deductible. Many thanks. Ryan

i could use some help with this problem plz? A high-yield savings pays 20% interest, compounded continuously. How long would it take an initial investment of $2500 to grow to $20,000?

Can an american small business borrow at very low rates from Japanes banks - referred to as "carry trade". I am looking to borrow at very low rates and collateralize it against higher yielding investments through borrowing against the super low interest rates of Japan. Is this possible for an American small business or consumer w/great credit and decent liquidity and a business plan??

what do you think the return will be? You purchase a high-yield, junk bond for $1,000 that pays $140 annually. After buying the bond, yields decline and you are able to reinvest the interest at only 9 percent. You reinvest all the interest payments. How much will you have when the bond is retired after 12 years? What was the annual return you earned on this investment?

Account like a CD, but allows additional contributions? Is there some kind of cash investment vehicle that has a high yield and doesn't allow withdrawals for a certain amount of time, but allows additional contributions, like from a bi-weekly paycheck? I would like to set up a CD account, but they only allow the original deposit until the maturity date. I want to make contributions from every paycheck. I'm not interested in the stock market.

please help me with this problem? A high-yield savings pays 20% interest, compounded continuously. How long would it take an initial investment of $2500 to grow to $20,000?

Which of the following refers to a conflict of interest between principal and? Question No: 1 - Please choose one Which of the following refers to a conflict of interest between principal and agent? Management Conflict Interest Conflict Agency Problem None of the given options Question No: 2 - Please choose one Which of the following term refers to the ease and quickness with which assets can be converted to cash? Analysis Structuring Budgeting Liquidity Question No: 3 - Please choose one Product costs do NOT include which of the following? Raw material Direct labor Manufacturing overhead Administrative expenses Question No: 4 - Please choose one Which of the following can be computed by using the information only from balance sheet? Equity multiplier Inventory turnover Receivable turnover Return on equity Question No: 5 - Please choose one Which of the following is CORRECT regarding the present value discount factor? It is always greater than 1.0 It decreases as the discount rate increases It is equal to zero when discount rate is zero It increases as the time period increases Question No: 6 - Please choose one How much must be deposited at 8% each of the next 20 years to have Rs. 10,296.44? Rs. 225 Rs. 341 Rs. 410 Rs. 452 Question No: 7 - Please choose one In order to compare different investment opportunities (each with the same risk) with interest rates reported in different manners you should: Convert each interest rate to an effective annual rate Convert each interest rate to a monthly nominal rate Convert each interest rate to an annual nominal rate Compare the published annual rates Question No: 8 - Please choose one You have Rs. 1,000 to invest. You have 2 choices; first is the savings account A, which earns 8.75 percent compounded annually and second is the savings account B, which earns 8.50 percent compounded monthly. Which account should you choose and why? Account A; because it has a higher effective annual rate Account B; because it has a higher effective annual rate Account A; because it has the higher quoted rate Account B; because the quoted rate is higher Question No: 9 - Please choose one What will be the value of a Rs. 1,000 face-value bond with an 8% coupon rate at 8% required rate of return? More than its face value Less than its face value Equal to its face value Cannot be determined without more information Question No: 10 - Please choose one Which of the following statement is FALSE regarding debt? Debt is not an ownership interest in the firm. Unpaid debt can result in bankruptcy or financial failure. Debt provides the voting rights to the bondholders. Corporation s payment of interest on debt is fully tax deductible. Question No: 11 - Please choose one The relationship between real and nominal returns is described by the: M&M Proposition Capital Asset Pricing Model Fisher s Effect BCG Matrix Question No: 12 - Please choose one Investors demand a higher yield as compensation to the risk of possible default. This extra premium is called: Default risk premium Taxability premium Interest rate risk premium Inflation risk premium Question No: 13 - Please choose one For which type of stocks, the dividends grow at a constant rate? Zero Growth Stocks Constant Growth Stocks Non-Constant Growth Stocks None of the given options Question No: 14 - Please choose one In which type of voting, each shareholder is entitled one vote per share times the number of directors to be elected? Straight Voting Statutory Voting Cumulative Voting None of the given options Question No: 15 - Please choose one In which of the following procedure of voting for a company's directors, each shareholder is entitled to one vote per share ? Straight Voting Proportional Voting Cumulative Voting None of the given options Question No: 16 - Please choose one Which of the following is the price that the dealer wishes to pay for a share ? Simple Price Bid Price Strike Price Complex Price Question No: 17 - Please choose one Suppose the initial investment for a project is Rs. 160,000 and the cash flows are Rs. 40,000 in the first year and Rs. 90,000 in the second and Rs. 50,000 in the third. The project will have a payback period of: 2.6 Years 3.1 Years 3.6 Years 4.1 Years Question No: 18 - Please choose one The XYZ Corporation is considering an investment that will cost Rs. 80,000 and have a useful life of 4 years. During the first 2 years, the net incremental after-tax cash flows are Rs. 25,000 per year and for the last two years they are Rs. 20,000 per year. What is the payback period for this investment ? 3.2 Years 3.5 Years 4.0 Years Cannot be determined from the given information Question No: 19 - Please choose one Which of the following measures the present value of an investment per dollar invested ? Net Present Value (NPV) Average Accounting Return (AAR) Internal Rate of Return (IRR) Profitability Index (PI) Question No: 20

Invesment word problems....? please show your solution and the represent ( example of represent A=x=$2,000 B=3x+1=$6,001 1)An investment club invested part of $200,000 in preferred stock that earns 8% annual simple interest and the remainder in a municipal bond that earns 7% annual simple interest. The amount of interest earned each year is $15,200. How much was invested in each account? So……….. 8%= ??? 7%= ??? 2) a grocer deposited a certain sum into a high-yield mutual fund that earne13% annual simple interest. A second deposited, $ 25,000 more that the first, was placed in a certificate of deposit earning 7% annual simple interest. In one year, the total interest earned on both investment was $ 4,750. How much money was invested in the mutual fund???? 3) suppose $ 200,000 is invested, part in a stock paying *% interest and the remainder in another stock paying 5% interest. If the total interest earned is $13,660, how much was invested 3) how much is invested at each rate???...

Please HELP! Solving systems of linear systems by substitution method #37? A police officer has chosen a high-yield fund that earns 8% annual simple interest for part of a $6000 investment. The remaining portion is used to purchase a preferred stock that earns 11% annual simple interest. How much should be invested in each account so that the amount earned on the 8% account is twice the amount earned on the 11% account? I know the answer is the amounts invested should be $4400 at 8% and $1600 at 11% but how do I get the answer?? Your help is greatly appreciated, I am so stuck on these questions!

What is the best way to use my left over student loan money? I finished school with over $4,000 left over in student loans. (I got a scholarship after I had confirmed the loan amount for the year, which accounts for the difference) I now have a 6 month grace period until my student loans go into repayment. I was wondering what the best idea is for the $4,000 + that I have. I want to wait until my loans start repayment to put that money towards them because I am paying the normal loan balance now as though I'm already in repayment (I want to make the most of my money). I have $45,000 in loans with an interest rate of 6% when repayment starts. Should I put that money into a high yield savings account, or a three month CD? I want to make sure that the money is available exactly six months so any CD over 3 months is out of the picture because I won't get the money in check form for a few weeks. Does anyone have any options I am overlooking? The interest I am making from the investment will also go towards paying my student loans. All help is greatly appreciated. Thank you!

Investing off a credit card? My credit card offers a rate of 1.99% annual interest on cash advances plus a flat rate service charge of 1% of the cash advance amount in order to borrow money from the credit card company. (E.g. $5000 loan is subject to $50 charge + 1.99% interest) Therefore I was thinking of taking out a cash advance from the card and throwing it into a high-yield savings account (4-5% annually) for a period of one year. I know people say you shouldn't invest with other people's money, but this is a secure investment that is guaranteed to grow - not stocks. I also would not borrow more from the credit card than I am able to pay back at any time. It seems I would in all owe the credit card people roughly 2.99% of the principal in interest, whereas I would be earning interest at a 4-5% clip. The earnings certainly wouldn't be vast, but considering the simplicity of the transaction I'm starting to wonder why not? So - why not? P.S. - no additional fees involved in opening the savings accoun

What kind of business with $25,000? What kind of investment would you use with that kind of money. THIS EXCLUDES IRA/MUTUAL FUNDS/STOCK/BONDS/CD'S/MMA'S, AND HIGH YIELD SAVINGS ACCOUNTS. Im speaking of something profitable and lucrative, to actually make money, not sit in account and generate interest. Open to all suggestions...

Best low/no risk investments? Best low/no risk investment for long term? Hi! I'm heading off to college and have accrued about $10,000 from working and all that good stuff. My parents are paying for my education and have told me to save my money for the future. Right now, I have the money stored in an online savings account earning 1.55%/yr (it was close to 4% when the economy was better), but I've decided that I'd like to invest it in something with a higher-yield since I don't need the money on hand. I've looked into: Online CD's: 1 year at 2%, I'd ladder them every 3 months putting about 20% ($2000) of my money in each CD. Guaranteed by the FDIC. Treasury Bills: 52-week at about 0.47%. Pathetically low, these are out. Treasury notes (longer term) are also still lower than the online CD rates. Are there any other investments that have higher yield but still low risk? Are online CDs always better than Treasury Bills? Perhaps I'd be interested in something that had a low risk in the long term if it had a much higher expected yield. Thanks! Re Zzyzyx: (BTW I saw such a road in Cali) Yeah, that period is rather long, and for such long periods I'd hope for a higher yield (since risk should naturally be lower with such a long timespan)

How would you make $3,000,000 last a lifetime if your current expenditure was $5,000 per month? I sold my business recently for $3,000,000. I'm 32 years old. I do not want to work another day in my life.. worked 16 hours a day 6 days a week for 10 years and I now want out. I need this money to last me for several decades. My expenses amount to $60,000 per annum. That's 2% of my nest egg. My current portfolio is like this (rounded off to nearest $500,000 for convenience): $500,000 in USD long term debentured bonds @ 7% per annum = $35,000 pa $500,000 in USD money market savings account @ 5% per annum = $25,000 pa $500,000 - personal residence, fully paid $1,500,000 - various foreign currencies, mainly high yielding Asian, Australian and New Zealand dollars as a form of diversification, various interest rates ranging from 8% - 25% = yield approximately $200,000 pa Currently the USD bonds and savings interest pays off my expenses, and the foreign currencies yield I allow to compound and grow, but there's always the risk of significant depreciation against the USD. Is what I'm doing sustainable into perpetuity, considering my personal inflation has been 10% or more even though the official figures are far lower? What other low-risk investment suggestions can you make for my portfolio?

Is my connection to my husband supernatural? He and I met when we were 16 in high school and became good friends. Our friendship changed into something more and after making our baby by accident last November we were forced to get married. He's slightly younger than me by a few months and soon I will turn 20 (in April 2011) the wife of a teenager (he will still be 19 for a few more months. I hope that people don't think of me as a "cradle robber" lol lol. Anyway I can sense what he is about to say or think even from 1000(s) of miles away. We call or e-mail each other constantly and this morning was a duty day but I usually don't call until he gets off duty in the afternoon but I called his Unit because I sensed a "disturbance in the force" lol. It turned out that he had had a minor accident, they were doing an obstacle course and he fell off of a beam as he was trying to cross it and landed in some water. There was a small rock where he landed under the water and it caused a laceration. They were surprised that I knew and asked how I found out since he wasn't supposed to use his cell phone during the day. It was left with his personal things that all the soldiers had to leave and change into shorts and t shirts. I can sense what he is thinking. Another thing is he is the dominant male in our relationship and I love to sit on his lap (when he's with me) and flirt and giggle and turn him on. I love when he can't take it anymore and picks me up in his strong arms and gently carries me to our bed for a session of love making. In spite of that I'm the one who makes all the decisions like about investments (we have a high yield cd and I put about half his salary in that) and other aspects of our life together involving what should be done about normal things. I can put away the money because I live currently with my mother in law and she doesn't charge me rent plus she lets me use a car so I don't have any expenses except tuition and books (Fall 2010 Semester is starting back next week). I'm a Mathematics Major interested in Applied Math. She and my mother will take turns watching our baby while I go to school next week.

What are the investment options/laws for homeowners associations (HOA's)? I am on the Board of Directors for my HOA and we put some of our reserves into a CD. However, I found out that we get <1% interest on our money, which means we are actually losing money because of inflation! Our HOA manager said we are restricted by how we can invest our money but I find this unacceptable to be paying into the HOA only have that money lose its value over time. Can someone tell me the laws are regarding how HOA's are allowed to invest money? What are safe options that have higher yields? Thank you. BTW, I am in California.

Should I make a big move into SGHSX? SGHSX is the DWS High Income Fund (high yield bond fund). The fund currently pays a dividend of 11.16%. I know these "junk" bond funds are risky. I have about $100,000 to invest and thought this would give me a nice income stream. I have about $200,000 in safer investments like CD's which I am not touching. I would definitely be increasing the risk in my portfolio if I do this but also significantly increasing my monthly dividend. Currently the money is invested in PTTAX which is safer but only pays a 4.66% yield. Keep it in PTTAX or move to SGHSX? Your input please. Also, don't say put it in stocks or an index fund. I am looking for income to live off of here. Not interested in stocks. I could retire with the bigger income of SGHSX but I stand to lose the principal if things get ugly again. It looks like it has already been beaten down. It is around 5.30 and was at 7.30 last year.

401 k please help choose- no clue? I have no clue what to choose- here are some options. I am in my early 20s. I heard people say you can risk it now. I just have noooooooooooooo clue anything about 401k - Can you recommend any of the ones pasted below? Does anything sound interesting to you? OR where can i research about each individual one/please send me a link if you know of anything online. Thanks so much- really appreciate it! INVESTMENT OPTION ELECTION The following investment allocation will apply to all new money deposited into an existing group annuity or trust contract unless otherwise directed. Monies previously deposited to this contract will not be changed to reflect the selections below. NOTE: In the event of a contract conversion from an existing individual annuity contract or from another group annuity contract or trust agreement, all money previously deposited at Nationwide will be invested pursuant to the selections below. If you have any questions, please consult your plan administrator. All allocations must be made in whole percentages. I hereby authorize all FUTURE CONTRIBUTIONS be invested as follows: Risk Inquire Code Risk Inquire Code IV -Capital World Gr & Inc R3 .0% 388 IV -Growth Fund of America R3 .0% 662 V AllianceBrnstn IntlValFd-A .0% 578 I BOA-INDEXED FIXED .0% 8001 V Baron Growth Fund .0% 584 V BlkRk LgCap Val A .0% 1059 V Davis Opportunity Fd A .0% 473 IV Fid Adv Equ Incm Fnd Cls A .0% 282 V Franklin BalSheet Inv Fd A .0% 975 II Gartmore Govt Bond Fd A .0% 835 VI Gartmore InvDes Aggr SC .0% 970 II Gartmore InvDes Cons SC .0% 974 IV Gartmore InvDes Mod SC .0% 972 V Gartmore InvDes ModAggr SC .0% 971 III Gartmore InvDes ModCons SC .0% 973 V Gartmore MidCap Mkt Indx A .0% 968 IV Gartmore S&P 500 Index SC .0% 356 VI Gartmore Small Cap Index A .0% 967 II GdmnScs Govt Income Fd A .0% 771 IV JPM MidCap Value A .0% 611 V Janus Twenty Fnd .0% 325 III Oakmark Equity & Inc Fd II .0% 669 VI Oppnhmr Devl Markets Fd A .0% 844 II PIMCO TtlRetrn Fnd Cls A .0% 138 IV Pioneer High Yield Fd A .0% 650 TOTAL 100.0% Additional funds are available to you after this enrollment process via www.nationwide.com Risk Category Legend: VI - Very High, V - High, IV - Moderate, III - Low, II - Very Low, I - Lowest

Should I move somewhat out of bonds? Currently I have 40% of my investments in bonds - mostly in a total bond fund but smaller amounts in municipal bonds, global bond funds and junk bonds. As inflation starts to heat up - should I move part of my bond investments out of bonds? If so, to where? Should I move some of my bond investments to other types of bonds? If so, where? I would appreciate your answer on where to move money to and why. Note that I am in my early 50's , live in the US, with a 55% stock, 40% bond and 5% cash mix. I am typically a buy and hold / keep the portfolio mix stable over time kind of person except now is somewhat unique since interest rates are close to zero. They have to go up especially with the level of gov't spending that is occurring in the US. I am thinking of moving half of my current bond portfolio that is invested in total US bond funds and munis to the following areas: - cash for 25% of what I am moving - stock funds for 25% of what I am moving - commodities for 10% of what I am moving - high yield (junk) bond funds for 10% of what I am moving - and then 30% into TIPS Thoughts / comments ?

I have about $25,000 to invest. I would simply park this money in? the highest yielding CD I could find, and keep re-investing the interest, but CD rates are just too low. I am looking for a SAFE investment that yields at least 4% a year. I will be pouring about $27,000 a year into this investment- BUT I have to be able to count on at least 4% a year GUARANTEED (like CD’s). My goal is to retire in about 10 years and live off the interest by living much more simply. I calculated that I can do this with about $300 a week. (I have special circumstances where I don't have many expenses). Does such a thing exist anywhere in the world right now, so I can sleep at night knowing my money will grow no matter what?