This little Cash Giveaway is for the best response to the following question in at least 7 Sentences. Winner will be awarded $20 Liberty Reserve. One entry per user. Contest will end September 10th at midnight EST, and winners announced soon after that. Please post your LR account after your short essay:



If you were given $100,000 to invest in anything, where would you invest it, and why? When I say Anything I mean ANYTHING. Real estate, Stocks, Hyips, your own business, mutual funds etc, etc. It can be a combination of many, but please break down how much money in each investment, and why.

If i have been given $100,000 then i would invest $80000 of it to buy land nearer to roads...because i m an Indian citizen and here the price of land never decreases ...and prices double if the land is on the edge of road..and the place where i m living its a matter of pride to have that much of land .even marriages are done in base of land as i m from a family of landlords....that is a bonus....and until i sell the land i can gain revenue from farmers .which can be approx $10000 per year ...and oh the rest of $20000 i will donate that to a charity or something .....bcoz i think profit is not profit until divided to all ......thanks for reading my review

if i were give $80,000 i would start my NGO and support the poor and the war victims in IRAQ.The Remaining money i will invest in FOREX so as to earn money and use it in my NGo

Regards

If I were given $100k, I will use them to several food stalls, little restaurant because I live in a "Student City", the little will suits them since it provides the students a 24 hours service and affordables meals and snacks and some other specialities that will make it survive in the competition, few months ago I've done some rough calculation and it costs about $2,000 to open 1 kiosk, which give me about $450 nett cashflow a month after it reach their stability. I planned to open about ten that will produce about $4,500 a month. The money produced then half will be kept as emergency risk and half is used to grow up business, meaning open more restaurants so there will be more golden egg for me.

There's still $80k left, I'll use about $20k to open a mini internet cafe with 15 computers that will produce about $1000 revenue a month after run about a year i.e has it own market and returning customers.

The rest $60, I'll put it in a bank deposit and use them as a collateral to get a loan from the bank to buy a boarding house, the repayment will be made from the tenant (students) revenue which has to be greater from my payment to the bank, so the difference will be a free money for me.
Of course this is a rough draft of a plan need more calculation on risk and revenue, but its likely running well in my city

Six figures to play with means I'm doing something right. Any of the previous strategies will give me good returns as well, so here are a couple of general tips that i should keep them in my mind:

First, make sure to divide the money among different investments. I need to remember that FDIC insurance only protects each account up to $100,000, so never have more than that amount in any one bank.

Second, i need to diversify my investments. I can split this amount of money into many different investments, and i should. I will do more explanation of diversification later.

Third, consider employing a professional money manager if i don’t have time to manage it myself. The worst thing i can do is make investments and not keep track of them. In theory, if i have made this kind of money, I'm better off doing what ever it is i do to make that, and letting someone else help manage my money. This doesn’t mean i don’t stay involved, if anything i should be speaking with my manager weekly, if not daily to discuss strategy and performance. Think of them as my employee, not my guru.

Fourth and finally, have a lawyer review any contract for any kind of investment. Make sure they sign off that everything is normal and there are no special cases that could get me in trouble. I will discuss later on why a professional is a better alternative than myself.

Typically $100000 is a very high amount to be invested in an Online business, and everyone know that risks are involved in any online business. So i should divide the amount between Online Investments ( ~ 40% ) and Offline Investments ( ~ 60% ).

Online Investments :

Open bank accounts for the rewards / Banking Bonuses :

The idea here is not necessarily new, but it is exciting. Basically i use my on-hand cash to open new checking/savings accounts where sign-up bonuses are offered. For example, Bank of America in the past has offered $50 for depositing $150 and maintaining that balance for 90 days. After 3 months, i now have $200, a 33% profit.

The downside of this strategy is that i need to be diligent in keeping track of my investments. The best idea is to create an excel spreadsheet listing the institution, the bonus amount, the deposit amount, any special conditions (some places require you to use their bill pay services, etc.), and the “maturity date” of my investment.

CDs, Stock Market and Savings Account :

A one to 5 year CD can be great place to park my money. I can find CDs around 5% APR. Upon cashing out, i can get between $1,250 and $2,500. Reinvesting my profits increases my earnings. This is another strategy where all i need to do is start the investment, and then check in once in a while to see how my money is growing.

If i have more time and want to be more involved in my investment, i can begin to invest in individual stocks. The best strategy here is to being looking into companies that are close to the industry i work in, or are based in my area. I know of a class being taught at the University of Arizona that specialized in reporting on companies in the area that were all but ignored by Wall Street.

They found that Taser was ready to go in excess production capacity, so they did site visits and recommended a purchase to the University. Taser did go big, and now it is a big item on Wall St.

So, invest in something i know about, leave my money in that company for 6 months to a year and stay strong. The biggest mistake beginners make is to assume that when the price changes, you have incurred a loss. I should not incur a loss until i sell, so determine a holding-period I'm comfortable with, and stick to it. Never buy high and sell low. Also, i can invest in spiders or indexes, i have the ability to “fire and forget” after opening my account. Growing this amount of money at 10% APR is very exciting.

Offline Investments :

Real Estate :

Looking at medium terms in the real estate market usually means buying notes or REITs. Buying a REIT is the less-involved strategy, but i will want to check in on it about once a month to make sure I'm getting my money’s worth.

Buying notes is more complicated, but also more exciting and potentially more profitable. Most local governments hold auctions for tax-liens. When someone does not pay their taxes, the local government can put lien against their real property, and eventually these notes will be auctioned off. At these auctions i bid on notes by the percentage I'm willing to accept in interest payments.

After a specified amount of time the person does not pay their lien, i can foreclose on their home and i will acquire the property. This is also a great time to flip my interest in the property to a local investment company, who will pay big bucks for the opportunity.

Open a local Business :

In my country there are many opportunities for anyone that want to open a business for the long term. Personally, i want to stay within my interests arena and of course my grade of high studies. The first thing that i would do to start any business is to research it. Does the business i plan to open have competition? If it does, there is a demand for it. Is there an online community that is based on the business niche i plan to start? If there is there are also customers looking for just the right business.

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LR: U8216948

If I were given $100,000/-, first of all it will be sort of dream come true! Basically I am physically challenged person, and I have a dream to study in abroad, but I can’t afford it, I would invest this amount on my higher education, once I get qualified from abroad, I have an intention to open a school in my village where I would education innocent children who needs good schooling, actually I belong to a small valley which is called Hunza (Heaven on the Earth).
This is the main purpose of my life and wish to fulfill. Further more my aim of life is also to contribute my best efforts to serve my area.
LR U2011594

There is no right mix of investments that will suit all people. Everyone is different and faces unique circumstances. You have to determine for yourself the right investment portfolio that will work for you given your goals and financial situation. A financial planner may help you out. Study the different investment vehicles available and see where best you can park your money:

1. Bank deposits - $30,000

Pros: They are safe since they have a very low interest rates. They provide steady interest income. They are also easily accessible. A savings and current account can help you manage your day-to-day expenses.

Cons: Interest on savings and current accounts are minimal.

What to do: Consider investing in a TIME DEPOSIT for higher interest. The secret to earning in a time deposit is to hold it for a long term at an interest rate higher than the inflation rate. You can also have investment in foreign currency to take advantage of higher rates depending on the market.


2. Government securities - $16,000

Pros: They are relatively reliable since these are guaranteed by the most governments. They also provide steady income. You can easily access them and sell them through the money market as handled by banks.

Cons: Interest may be lower as compared to other investments.

What to do: Hold some government securities as part of your portfolio. You may want to invest directly in Treasury bills or join a mutual fund or unit investment trust fund investing in fixed income instruments like government securities.


3. Real estate - $30,000

Pros: You may earn a lot as the price of property appreciates over time. It would be wise to buy a land near establishments or near the city proper. You can plant trees, vegetables or build an apartment.

Cons: Sometimes the real estate market is down and you may not get a good market value for your property. It is also not very accessible since you need time to sell it off should you need the funds. Maintenance costs may also be high.

What to do: When buying real estate, time it right when you can get a good price for your property. If you can rent it out, you can use the money to invest elsewhere.



4. Bonds - $5,000

Pros: As fixed income instruments, they give fixed interest income for a specified number of years. This rate is usually higher than that offered by government securities or bank deposits.

Cons: Bonds come with a risk. They are not guaranteed by an insurance company. The higher the interest offered, the higher the risk that the company will default on payments.

What to do: Put some money in bonds depending on your financial goal to let you realize more returns. Hold it for the long term. Choose only bonds with good rating. You may want to join a mutual fund or unit investment trust fund directly investing in bonds to save you the trouble of identifying the best performing bonds in the market.


5. Stocks - $5,000

Pros: When there is a bull run in the market, stocks perform well. You also gain a lot when you get good stocks during the initial public offering. In the long run, stocks may outperform bonds in terms of yield.

Cons: There is a big risk of losing your capital as market prices change daily.

What to do: Invest only what you can afford to lose. Hold your stock investment for the long term to ride out market price fluctuations. You may also invest in stocks via a mutual fund or a unit investment trust fund.



6. Restaurants - $10,000

All people eat and drink! Just make sure your restaurant is always clean, delicious foods and outstanding services.



6. Forex Trading - $3,000

Forex trading maybe profitable if you are really good at it. Just don't spend you can't afford to lose.


7. HYIP - $1,000

High Yield Investing Programs (HYIP) have a very high interest rates and very risky. It would be wise if you just play and considered HYIP as a gamble. Just don't spend you can't afford to lose.


U6062779

25k down on a modest home you can well afford (including upkeep)
20k US blue chip stock fund
20k US small and mid cap Stock fund
10k International large cap stock fund
15k Emerging market (china, india, brazil, etc.) stock fund
10k Money market fund (emergency fund)

Stocks are best purchased when out of favor. Like Now. You need an advisor. Going it alone to save a few dollars is unwise.

kool i like this topic

$50,000 going to forex trading. Cause with the amount of that's money i can keep profits and hold from market movement, at other words if in normall condition of the world i can always profits .

$2000 will give to peoples who have less opportunity in their life---->>donation. This my investment for get bless from God.

$15000 will i use to build some cyber caffe and online game center at my place this business can give fast and stable return for this time, also i can get more friends and partner who have the same hobbies like me.

$20,000 used to build online bussines with my partners. maybe have relationship with online investing.

the rest is for investment for start open a computers shop at my city with my friends.

Keep those ideas coming, not long to go..

If I have $100,000, I will invest in real estate and open my new business
- Real estate: I live in Vietnam. Some parts of Vietnam are still countryside. Many people from countryside like doing business or finding jobs in cities. So they sell their arable land. Most of them don't know about government policy ( Industrialization and modernization policy. Many foreigner company invest in Vietnam. They build up many industrial area in countryside). I use 30,000$ to buy some arable land then sell for profit. The profit is now up to 450%. maybe you think it's unbelievable but it 's totally true.
-My new business: i use $70,000 to open a brand new hotel in Nha Trang which is one of the beautiful famous landscape in Vietnam. You also know about this through Miss Universe 2008 event). A plenty of foreigner tourists go to Vietnam and visit Nha Trang. But the quantity of hotels there is not enough. Some of them don't meet the standard quality. So I want to build up a extremely wonderful hotel. I use a part of my profit from real estate to upgrade my hotel. I also want to introduce to all people in the world that Vietnam is really a wonderful tropical country.
I believe that after 2 years I will make the money bigger 3 times than it was


My english is not really good. I hope you don't feel difficult to understand my essay. Thanks

My account number: U5903555

What I would do with 100,000.00. I would give 10% to GOD without him we can't do anything. 10,000 to the homless. 10,000 to childrens programs. 50,000.00 in bank to buy a home. 20,000 for my own kids education.

U2639093.

What does God wants cash for?

ends in 30 minutes

Easy $20!

Once again we have co-winners. Each will get $10. Check your accounts. The winners are:

Majdi290 and Jessica7