High Yield Investments For Your Money
Bob Hill
Introduction. Currently, bond yields are low, bank savings and CD rates are extremely low, and the stock market is swinging violently! These conditions raise questions as to what to do with investment money.
The time value of money is based on the premise that an investor prefers to receive a payment of a fixed amount of money today, rather than an equal amount in the future, all else being equal. Considering that the cost of printing paper money is minimal, the federal government makes an enormous windfall profit whenever it places new bills in circulation and therefore tends to keep up this practice. This leads to inflation which erodes investors' returns. With today's interest rates and inflation, which is higher than reported by the CPI, investing may result in loss of buying power rather than a net increase. Under these circumstances you might wonder---What is the best thing to do with my money?
First let's look at the definition of money. Money is a tool to accomplish things and as a convenient method for exchange. Money only makes sense when there are people available for production, and goods and services are actually produced. Most people worry about how much money they have and how they can get more rather than thinking about what money is. If one hides his money in a mattress it does nothing for the economy. It is much better to put money to work where it can do good and return profit for the investor.
But, you say, I have my money earning interest in the bank. Handing your money over to a bank (and having them locking it away from you in a CD) to earn them profits is not as good for you as you finding better ways of putting your money to work. Most savers are missing out on better interest payments because they aren't paying attention to how their account compares with others or what their money is earning. Money in a bank account or CD is not being used effectively and probably results in an overall loss due to inflation. Finding places for your money to do good work is the best way to maximize the power of your money and to get a higher interest rate. Investing money is having it work for you instead of you working for it. Are Bonds a better place for your money than the bank?
Should you put your money in bonds? Currently bond rates are only around 5%. After inflation a 5% bond return is actually losing money in terms of buying power. So, if you tie your money up in bonds for a time and then get it and the interest payment back the total amount has less buying power than before you invested. You need to have your money where it earns more than the real inflation rate in order for you to be ahead. Can the Stock Market do it?
Money In The Stock Market? Is this stock market volatility driving you to drink? One day it is up 300, the next day down 350. Do you really want to risk your capital in the stock market these days? Stock Market volatility can control you, keep you glued to the screen, and give you stress. There are other less volatile places to have your money and places where you do not have to watch it every day and worry about what your returns will be. There must be some good place to put your money to work!
You can just put your money to work or you can effectively put your money to work. Most wealthy folks learn to put their money to work so they can work less or not at all. Money working effectively can earn you a monthly profit without any personal work by you - so put your money to work effectively. When you put your money to work effectively you don't expect bank rates you expect it to earn a good wage. Respect your investment money; put it to work in the very effective ways in high-interest accounts. Okay, so now you want to know where these accounts are!
There are current factors which have lined up which give us unique opportunities to put money to work at higher rates. There is a big turmoil in the mortgage / lending industry right now, you no doubt have heard of it. Well, lucky for us, turmoil breads opportunity, if you know where to look for it. Recently, lending companies have tightened up their lending practices creating more red tape for real estate developers. Therefore, developers are willing to pay higher rates with private lenders in order to have less red tape and quick response. A developer uses investor's money to increase the value of existing real estate or to create valuable new real estate. The faster he can do this the more profit he makes. His developments make a good profit and he loves to share some of that profit, in the form of high interest payments, with his private lenders that make things happen faster.
In summary: Your money is important and you should consider partnering with a company that treats your money and your return with importance. As a responsible user of your money, the developer can be constructive with it and improve his community. Loan funds administered by the developer allow investors to participate with the developer in community development for a defined period of time. In our company we put investor's money to work in community development in the city of Baltimore and we make sure our investors get an extremely good monthly return. An investor may place his money in our projects fund for extended periods so that he can plan on a high return for that entire period. Our investors typically ask us to roll their money over from one project to another thus providing a continuous return by re-using the funds for as long as he wishes. Our company usually has 10 to 15 re-habilitation projects going at the same time thus providing great new places for people to live while improving the neighborhood, and providing a high return for our partner investors. We offer a free prospectus so you can see what we do.
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