How to invest money?

I am 15 and have 1000-2000 cash. Have it as life savings. what can i invest in that's legit and can earn me a reasonable return? CD's? not music CD's, bank CD's. or like, what sorts of businesses?

Better invest overseas.
Alternatively try to invest in someones business. You may receive up to 20% guaranteed interest per year. You will not get such high guaranteed returns on stocks, mutual funds, bonds or CD's.
If you invest $1,000 at 20% APY, you will have $2,488 in 5 years.
I run my own business and my net profit is over 5% a month.

Email me at investment4us@hotmail.com and I'll give you a valuable advice if you are serious about investing. Please don't forget to mention your question and screenname on Yahoo Answers.
Best of luck!

Definitely check with your parents before taking anyone's advice.

May I suggest a DRIP Plan.

They are seldom talked about because brokers make very little money when they suggest them. Yet, they have proven to be one of the best, if not the best, long-term strategy on Wall Street.

The best part of these plans are you get the opportunity to get generous returns from large Blue Chip companies like General Electric, Pfizer, Walmart.....etc......these big companies offer less risk

They are perfect for small investors, as well as big investors. They are safe and allow you to not care about whether the market is going up or down.

If you want a quick return on your money then trading in cfd,s is the way to go.
You dont actually buy shares as such but buy a contract on the assets.
You then earn or lose money on the opening and closing price of the asset.
Many people have got rich very quick from cfd's but there is also the risk of losing money quickly.
Finding a broker will help as they can advice you on stops that sell when the
asset falls below a certain amount you can afford to lose.
you can find more information at
http://www.cfd-to-cfd-trading.co.uk

Definitely a DRIP Plan with a Blue Chip stock. Choose a stock like US Bancorp, Walmart, Merck.....etc.....

Check with your mom and dad !!

Sadly, the rates on savings investments are presently pretty poor. About all you can do is go with a 6 to 12 month CD and hope when it matures the rates are better.
If, however, you are going to be leaving this money sit for several years, check with your local bank about buying inflation protected federal savings bonds, known as I-bonds. This site: http://www.investmentu.com/IUEL/2006/20060213.html
tells a bit about them and they can be bought here:
http://www.savingsbonds.gov/indiv/indiv.htm

you could open a online trading account, buy some big cap dividend paying stock and sit on it. without knowing your time horizen for wanting the money back it is hard to be more detailed. there are a lot of places (Banks, capital one, aig, etc.) where you could deposit it and earn 4 to 5 % safely and still have access to it quickly.

I too had this money at your age, unfortunately nothing can really be done with it as far as professional investing is concerned. If your parents are like mine they won't want to be putting contracts down for you. Term deposits are often a good medium term investment and you can use these now I believe without your parents signing things (otherwise you may have to wait another year)
If your parents will help you out I think you should go with shares. Try and diversify them slightly if you go with this option.

Here's a new idea: books/videos. Get a library card (if you don't already have one). Get a discount card from your local Barnes and Noble booksellers, or go to the "premier" status on Amazon.com.

Now, start reading and learning. A good start is Investing for Dummies by Eric Tyson, MBA. He goes into the basics of the three major classes of investments: Real Estate, "Wall Street", and Businesses. After reading and digesting, you will know which one you like most. For me, since I'm a Math fan, "Wall Street" was the pronounced answer. Start with the category you like most.

For Real Estate, read Russ Whitney, Donald Trump, Robert Allen, and go from there. For Wall Street, read Peter Lynch, Phil Fisher, Willian O'Neil, Mary Buffet, Benjamin Graham, Wade B. Cook and go from there. For Business, read Donald Trump (Entreprenuer 101 and Marketing 101), and go from threre (as you can see, I know the least about building businesses---but not for THAT long).

Right now, invest in your education. Read the innovators and masters of investing and learn from each. Attend any of the 'free' (not free what they sell, but at this point the presentation will show you a new world) seminars in your area. Also, read all the RichDad books and look at the wealth of information on his website. Buy cashflow 101 (I have the e-game), and play it often. Also, get Monopoly and play it often (the PC version is only $10). There's also a Trump board game, but I have not opened mine yet.

Oh, and above all--HAVE FUN!

Congratulation! You're only 15, managed to save $1K-$2K and begin to think about investing instead of buying fancy stuff. This is a very good attitude in managing your money. I can almost guarantee you'd become a millionaire before you're 32.

Unfortunately, you are only 15 and by law, you cannot trade stocks yourself. You have to have your parents to do it for you. But, this is a good start.

To be safe, buy big cap stocks. Stock price fluctuates 10's of 1000's every day. This is a natural thing. There is no such thing as cheap stocks but there are such thing as good fundamental stocks. Can anybody tell me any one stock in the world in human history that never got hiccups once-in-while due to short-term mismanagement and error in decision? If not, then tell me what's wrong with companies such as Citigroup or Bank of American that having Trillion dollars in asset and pay more than 6% in dividend.

You've got my point, right?

Remember, you're only 15 and stock needs time to grow. You have both.

You can open an free Marketiva forex goldfundindexs online trading account , with $5 reward and $20000 virtrual fund for practice .Just click the following link to open an account.
http://www-forex.spaces.live.com

well i got 10 reason why this is the right answer to your question.
this opportunity has
0. zero dollar investment is need
1.8 year track record
2.over 1 million affiliates
3.FREE to join
4.Training course worth 500 dollar for free
5.200 countries
6.over 50 ways to earn income
7. residual income
8.earn as much as you can
9. live support
10. No 1 online business

http://www.iwantwebsite.com

As Seen on Oprah, 20/20, & Dateline

THIS IS THE ONE!!! BIG MONEY! As Seen on Oprah, 20/20, Dateline, etc! All instructions are precisely clear and here - just for YOU!
______________________________________...
As Seen On OPRAH, 20/20, Dateline & in Wall Street Journal
TURN $6 into $24,600 or More!

All you need is:
1) An e-mail address
2) A PayPal account
3) $6.00

Dear Friend

Today is an important day for you. I don't want to detract from the important information you are about to read. I haven't included any fancy website designs or pictures to lure or convince you to buy something that in the end is junk.

The information is free, what you decide to do with it is up to you.

You probably have seen these letters before, but they really do work, Give it a try -- think of how you waste $6 in a day, week or month. It's a minor investment with great rewards. This might really help you pay off those credit cards and give you the ability to move out.

If you could start your own mail order list with an investment of $6.00, and make $800,000 over the next year would you do it?

Some people will perceive this as an "off the wall" idea to make money, but others will look at it as a great business opportunity. This by far is the safest; most risk free opportunity you will find to start your own business because you use PayPal, the most trusted banking system on the internet. Not only is this an opportunity to gain financial freedom, but you will help others do the same as they help you. A basic principal which has been forgotten about. Giving to one another.

This is a very simple opportunity.

Ever since the internet became popular, the word "scam" has become a daily term. I Know. I've tried many things, thinking "this is the one". It never was. I'm telling you this because if you seriously need to make money like I do - LISTEN.
Hear me Talking, and Read with sincere intent. After hearing all about & reading reports on the validity and reputation of this money-making system (as seen on Oprah,CNN, and other media forums) I decided to give this one a shot...Especially since the so called "risk" is only $6.00. I mean, for the chance, I wasn't going to lose $164, $59.95, etc.? Anyway, only hours after implementing this exact system I about fell out of my chair as money ACTUALLY started rolling in. I couldn't believe it and for that reason, I wrote this intro and became a believer in this system. I will remain one.

WHAT IS IT?

The idea is that of a system that takes advantage of the power of compounding. And in a big way, let me tell you. First and foremost understand that there are countless spin-offs of this system that try to make a "quick buck" off of people. Long lists, the 5 & 10 dollar trees, the birthday systems, etc...

Those spin-offs do make money because of the ease of implementation of this idea, but they do NOT use the compounding advantage. This system is THE legit and profitable one. Here is how it works... There is a list of 6 e-mail addresses (you'll see it as you read further). Each of these people have already taken part in this system. When someone new comes along (such as yourself) he/she removes #1 off of the list, moves the other five e-mail addresses up one position ( i.e. #6 goes to #5, #5 to #4, etc.), and places their PayPal e-mail address in the #6 position. This process is what develops the power of compounding. The bottom line is this... Honesty and Integrity creates Profitability. Following this EXACT process is what creates the money, and that is why this system works and has been raved about in the media. Honesty is for YOUR own good. Trying to put your name closer or at the top of the list only cuts you out of all the income thru the whole middle of when the system is
compounding.
Altering the system creates weak results. The legality of this system comes from the idea that you are, of course, creating a mailing list, and a "service" is being provided (more on that later.) Now on to how your $6.00 creates BIG money...

INSTRUCTIONS:

STEP 1:

The first thing to do is highlight (select) and SAVE this entire post (document) in word or notepad on your computer so you can come back to it later. I would definitely print me a copy of it right now. I want things on paper, so that I can have them in front of me and be able to read thru them, each part whenever I want, while I'm working.

After that, if you are not already a PayPal user you need to go to the PayPal website at https:// www.paypal.com / and SIGN UP. If you want to be able to receive credit card payments from other people then you will need to sign up for a BUSINESS account (not just a PERSONAL account). This is highly recommended to allow others easy payment options, and you are not limited to the amount of money you can withdraw.
With a personal account, you can only withdraw $500 month, and that's a big (not so funny)
joke for this service. Either account is Free to Join. In order to place the initial $6 into your account, you will need to verify your bank account with PAYPAL (which may take a few days), PAYPAL is 100%% secure and is used by millions of people worldwide. infact paypal is ebays most commonly used form of payment Go ahead A.S.A.P. & request the $6 transfer from your bank account.
STEP 2:

Here is where the action occurs. The first thing to do is to send a $1.00 payment to each of the 6 e-mail addresses on the current list from your PayPal account. To do this quickly and Successfully, follow these simple steps:

1. Login to PayPal and click on the "Send Money" tab at/near the top of the screen.

2. In the "Recipient's E-mail" field, enter the e-mail address.

3. In the "Amount" field enter $1.00. (This is your $1.00 payment.)

4. In the "Category" field select/click on the button "Service" (Keeping it legal).

5. In the "Subject" field type "E-MAIL LIST", and in the "NOTE" or "MESSAGE"
field enter "PLEASE PUT ME ON YOUR E-MAIL LIST". By doing this, you are
creating a service and maintaining the legality of the system by "paying" for the service.

6. Finally, click on the "Continue" button to complete the payment. Repeat these steps for each of the 6 e-mail addresses. That's it! By sending the $1.00 payment to each address, you are implementing the compounding POWER of the system. You will reap what you sow!
(AND IF YOU SOW, YOU WILL REAP!!)

Here is the current e-mail list:

**************************************...
The e-mail list:

1. stitchqueen@hotmail.com
2. moniferious@comcast.net
3. limey8501@hotmail.com
4. rebuildingspirits@gmail.com
5. ksellers@sdcoe.k12.ca.us
6. supersam2008@yahoo.com

**************************************...

STEP 3:

Now take the #1 e-mail off of the list that you see above (from your saved file), move the other addresses up (6 becomes 5, 5 becomes 4, etc.) and add YOUR e-mail address (the one used for your PayPal account) as number 6 on the list. This is the only part of the document that
has to be changed to get YOU involved. ** Make sure your e-mail address is the one you registered with PayPal. **

STEP 4:

Post your amended article to at least 200 newsgroups or message boards. Keep in mind that there are tens of thousands of groups online! All you need is 200, but remember, the more you post, the more money you make, as well as everyone else on the list! I've begun to see money roll in
before I even hit 100 posts, but try to hit around 200 to allow maximum exposure. Use Netscape, Internet Explorer, Firefox, Safari, or whatever your internet browser is to search for various news groups, on-line forums, message boards, bulletin boards, chat sites, discussions, and discussion Groups, on-line communities, etc. For example, log on to any search engine like yahoo.com or google.com and type in a subject like 'MILLIONAIRE MESSAGE BOARD', 'MONEY MAKING DISCUSSIONS', 'MONEY MAKING FORUMS', or 'BUSINESS MESSAGE BOARD', etc. You will find thousands and thousands of message boards. Click them one by one and you will find the option to post a new message. Fill in the subject which will be the header that everyone sees as they scroll through the list of postings in a particular group, and post the article with the NEW list of e-mail addresses included. THAT'S IT!!! All you have to do is jump to different newsgroups and post away. After you get the hang of it, it will take about 30 seconds for each newsgroup.

HOW THE MONEY WORKS:

When you post 200 messages in various forums, it is estimated that at LEAST 15 people will respond and send you a $1.00 ($15.00). Those 15 will Post 200 Posts each and 225 people send you $1.00 ($225.00), etc. through 6 levels of e-mail addresses. For comprehension purposes,
here is an easy viewing chart:

1) 15(1) = 15 people ($1) = $15
2) 15(15) = 225 people ($1) = $225
3) 15(225) = 3375 people ($1) = $3375
4) 15(3375) = 50625 people ($1) = $50625
5) 15(50625) = 759375 people ($1) = $759375

As you can see, your $6.00 has multiplied exponentially. You are raising a quantity to a POWER. Your power of wealth. What other opportunity that is as simple as this, can cash in the way this can?! I'm not going to say this is going to make everyone over $800,000,
but within a few WEEKS you begin to see results, thanks to the speed of the internet!
Glory Be To God & His Power & this awesome Source we have â€“ The Internet!!!

When your name is no longer on the list, take the latest posting in the newsgroups and begin the process again. Simply amazing...

One other tip to speed up the process even more:
You can send out

Ummm, ask your parents! DUH!!!!!!!

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