I have $20,000 to invest in something. Does anyone have any ideas? Get with me please.?

I am looking for an investment opportunity. I have $20,000 in invest in a great idea or plan. If you are looking for an investor, let me know.

The best investment opportunity can be found at http://www.4xmoneytrain.com
You determine your own rate of return and a revolutionary software does 95% of the work for you. The software uses a hedging system and always buys low and sells high thereby locking in profits from the fluctuations in the market.

20k is enough money to have a lot of options. Your best bet is to find a qualified financial planner who knows about all the various combinations of investment oportunities for someone like you. A financial planner will be able to help you determine what your goals are for this money. For instance, is this just money to be played with in hopes of turning it into a lot more, or are you going to need this money back within a few years to pay for college etc? 20k is a great down payment on a home as well if you haven't already bought one. There's a ton of great ideas out there, but each of them depends on specifically what *you* want to do with the money in the future.

Please buy Jim Cramer's latest 2 books and watch Mad Money on CNBC weekdays at 6pmEST before you do anything, and then you'll know what to do.

You need to read a book called "Rich Dad's Guide to Investing: What the Rich Invest in, that the Poor and the Middle Class Do Not" by Robert T. Kiyosaki & Sharon L. Lechter

If this is your only money, I think you would be much safer investing it in the stock market or perhaps real estate. Why put your money with a stranger when Exxon goes up 20% a year and pays a dividend? But, if you would like to find people who are looking for investors, try joining a real estate investment club. Hang out with people for a few months first, and learn who's good and who just talks a good game. The club members will help you find someone to with whom you can partner.

We're starting a new film production company. If the idea appeals to you, get back to me.

I think the best way to invest is to first see what the best investors are buying and selling and why. check out http://www.top10traders.com - this is a free site that lets you create a portfolio of stocks with $100,000 in "play" money. Each day the site ranks the best performing portfolios, so you can see how your picks perform compared to other investors. You can also read posts on investing from the best traders, as well as share your own investing ideas.

Here are this month's best traders:

http://www.top10traders.com/Top10Standings.aspx

Good luck.

My suggestions to you :

- Figure out what your tolerance for risk is. Ask yourself, "what if I lost all this money, would it be the end of the world?" Determine how much safety-cushion you want to keep, if your investment goes bad.

- Consider investing in real estate. Learn about generating passive rental income with an investment property.

- Consider investing some in the stock market, but only if you consider the risks and first read Benjamin Graham's "Intelligent Investor".

- Sock some away for a rainy day in a 5% yield money market (www.gmacbank.com)

- Consider starting or funding a small business venture. Ideas, you ask? Find a way to provide a product or service that gives you a substantial competitive advantage (not necessarily price).

Good luck.

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Even though you are looking for minimal risk, there are several
choices. Your best bet is probably a Money Market High Yield account.
These are FDIC insured up to $100,000, so they are pretty safe
(minimal risk of principal loss). Your rate will probably not
decrease over the two-month period, and might even increase if the Fed
continues to raise rates. Many these accounts also allow you to
maintain liquidity, with the option of even writing checks on the
account with certain limitations.

If you want to be certain of locking in a rate, a two month CD would
do that for you. However, the rate is lower and you have no
liquidity.

If you are looking for a risk-free approach, purchasing a one-month
Treasury now and a second one-month Treasury in a month would achieve
that for you. However, you will not know what your second month's
rate is until you buy it. The yield is also a bit lower than some
other options.

Money market mutual funds are another option. They are a little more
risky than a bank product, but are very liquid. However, you are
losing some yield.

Short-term bond funds are an option, but they are riskier and are
yielding less, so I have not listed any specific ones. A more
adventurous option is a floating-rate fund, which has a higher yield,
but also involves a greater risk of principal. Fidelity Investments
has one yielding 3.99% that has one of the more reasonable expense
ratios in the industry.

My personal preference would be to go with the Money Market High Yield
Account. I have had good success doing business with Capital One
(www.capitalone.com) with this type of account. For a list of several
banks with this type of account, click on the first link.

"Money Market High Yield (MMA & Savings Accounts) and Savings Account
Rates" Bankrate.com http://www.bankrate.com/brm/rate/mmmf_highratehome.asp?params=US,416&product=33&sort=2

Current highest rate is 3.25%.

"High Yield Rates for 2 months CD" Bankrate.com
http://www.bankrate.com/brm/rate/high_ratehome.asp?params=US,416&product=160&sort=2

Current highest yield is 2.70%.

"Selected Interest Rates" Federal Reserve (May 6, 2005)
http://www.federalreserve.gov/releases/h15/update/

Current 1-month Treasury is 2.60%.

"Fidelity Floating Rate High Income Fund" Fidelity Investments
http://personal.fidelity.com/products/funds/mfl_frame.shtml?315916783

Current 30-day yield is 3.99%.

"Spartan Money Market Fund" Fidelity Investments
http://personal.fidelity.com/products/funds/mfl_frame.shtml?31617H201

Current 7-day yield is 2.64%.

i am looking to start a business and am looking for investors so get with me and we can discuss my business plan

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