Investment #1: Make 20% or More

Pay off your debts. If you have invested $10,000 at 20% interest you have gained $2,000. If you don’t have to pay 20% interest on $10,000, you have gained $2,000. If you are in debt and take the critical step to bite the bullet and pay off your debt, you will be making one of the best investments of your life. And it’s totally 100% risk free. It’s a guaranteed rate of return.Where else in this wild and scary economy can you get a super high return and have it 100% guaranteed. Now if you’re already out of debt, go to investment #2, and if you are in debt, go to investment #2 anyway to help you get out of debt.

Investment #2: Make 30% or More

Sell something. This is the only real protection against both deflation and inflation. You have to buy something and then sell it for a profit. The quicker the better. Here’s why: If we are having deflation, your money might have better buying power, things are cheaper, but you might find yourself with salary cutbacks, work hours reduced, or layoffs. But there will always be someone buying something.

The Magic of Combining
or “You Want Fries With That?

If you can buy some things for $10 total and sell it for $15, you’ll be doing fantastic. That’s a 50% profit on your investment. Where can you get that interest rate?

The easiest way to start, is not to Make “the thing”, but to Combine “the thing”. Look around craft stores, hardware stores, drug stores. Have the “Gift Basket” mentality. What if I packaged travel hand lotion with a nail file with stick-on nails with clear nail polish? What if I packaged a bicycle inner tube with a tire repair kit with a can of air? What if I packaged a mechanical pencil with a crossword puzzle book with a clip-on book light? What if . . .

Now sell “the thing”

If there’s deflation, you are selling it at a low price but you bought the raw materials at a low price. You are still making your profit, return on investment, your mark-up, your “interest”.

If there’s inflation, you are protected. You have bought your current raw materials in the same environment you are selling them. By selling and making raw material purchases and then selling again, you will be protected from any change of value of the dollar. Your money is protected because it is riding the wave of inflation.

Going Up the Down Escalator
If you stand still on the escalator of “downward dollar value” it will take you to the bottom. But if you can walk up the down escalator by buying and selling, you will be completely unaffected by the movement of the dollar (escalator). Transactions will be the only true defense against both deflation and inflation.

How Do I Sell “the thing”

Get yourself a $10 domain name. Get yourself a $10 a month hosting. Use a free website template. Use the free PayPal service to take credit cards. You can sell stuff. It’s not hard. Combine, combine, combine. Make things easy and convenient for people and they will buy.

Martin O’Hara writes on business and personal finance related issues. You can learn more by visiting his blogs, Success With Personal Finance and Money Hidden at:

http://successwithpersonalfinance.blogspot.com

and

http://moneyhidden.com