what should i do with my 10,000- invest? start a business?
538726
First, I would make sure you have at least 3 months salary saved up in the bank or in a money market fund for an emergency fund. Financial disasters like getting layed off or sick happen to all of us.\n\nSecond, I would pay off all high interest debt. Pay off everything you can except the house mortgage. Paying off debt is one of the best investments you can make. You will have more money in the future because you won't have credit card bills to pay.\n\nThird, if you have money left, start investing in stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks, as individual stocks are too risky. For most folks this means buying mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds. If you are like most people you will invest part of your money conservatively, in money market funds and bond funds, and part aggressively in stock funds. Vanguard.com has an on-line questionnaire which will give you an idea how aggressive you want to be. \n\nInvesting in a mutual fund IRA for retirement may give you an income tax break. Talk to your tax adviser. You may also be able to invest in a stock mutual fund via a 401K plan at work.\nTaking advice off someone you met over the Internet and know nothing about is risky. Read these websites for further information.
131668
I started small, you might want to think about penny stocks, you can buy tons of shares, for hardly any money, but it is very risky. Make sure you have a comfortable amount saved first, then work on investing.
207396
Since you didn't set a time limit, I'll suggest a real way is has been done many times.\n\nSave 10% of every pay check. Invest it in several good mutual funds and let it ride. In 30 or 40 years (when you will really need it) you'll have your $1,000,000.
575507
If you continue to do the same thing you will never earn a lot of $$$$, because service or job is for the beginers only. You need to start your business to be a real rich person, i don't want to show you dreams but i am telling you the truth. I am sure now you got an enough experience in the job you are doing so go ahead and start your business. I know you might not be having money to do it this time, so start saving and do remember to invest your savings in stocks till the time you start your business coz this will help you to increase your savings.\nThere are a lot of stocks in the market which can provide you with a good returns and there is a nominal risk, all you need to do is keep your eyes open and invest at right place at right time.\nYou mentioned that you want to earn by hard work i really appreciate that, otherwise there are several ways you can get millions of $$$ in a day.\nI am 19 and going to start my small business in 6 months\nthanks and good luck
1171856
Have alot of money first off
808200
You already have several answers suggestion a Roth IRA.  That is an excellent choice, but only if you will not be needing the money until 59 1/2.  It is a retirement account.  There are some exceptions.   You should place some of the 10k where you can get to it in an emergency, maybe 3k.  It is always a good idea to have some cash available.  ING has internet savings accounts that pay 5% with direct transfer to your checking account.  \n\nYou are young so you can afford to be a little aggressive with your money in the hopes that it will yield a very good return over the long term.  Assuming that you would invest 7k,  separate it into 3 about equal piles and invest 1 part in small cap stocks.  Royce Funds has a great selection of them and a terrific track record yielding  about 13% annually over the long term.  1 part in a value stock fund.  There is a decent index fund that is a value fund--EFV.  It has done extremely well so far with a 30% annual return.  But do not expect that to continue.  10 to 12% would be an excellent return.   The last part in a growth stock index fund or mutual fund.  FXI would fall into that category.  It is a China index fund.  Up about 38%  this year.
550013
Work hard, live frugal, invest your money.  Also, if you feel you're up to it, you could open a business (but still live frugal and work hard).
791847
don't go for big invest to start biz.Bank can provide u loan ,when u start earning profit pay back it.
717769
I would suggest you find whatever business that you have interest in. Ones that motivate you or open your mind to business input for them. Your own inner desire for a particular area of market will allow you to use your own  judgement to make wise investment choices.
190710
Put it in a CD until you have $ 10,000 to invest in Exchanged Traded Fund
1025812
To do a real assessment of worth you'll have to value the business based on cash-flow and bring each year to present value. There are spreadsheets available on-line to do this. Just plug expenses, sales, projected growth, etc. and you'll get your answer. If you want the quick and dirty: you'll recuperate the investment in a little over 3 years. Plug the interest you want for your money, (say 7%). Bring it to present value and you'll still recoup in 5 years or less with the growth you mentioned. That is really good. If you like what the business is about and you don't mind doing the work in case one of your guys gets sick and have the ability to make it grow, then go for it.
224352
There are many choices out there but I would focus on something that doesn't take inventory and if you haven't done any before I would start with an opportunity that allows you to learn why you earn. Check out www.counselofleaders.com . Teaching people how to change their lives with their realestate investment decessions makes good money. I would focus on about $20,000 month but it will take about a year to build.
1020732
work, save and invest.  if you want money go to where the money is.
1031816
Go to a bank and take out a loan... very unlikely that you'll find any answers that you want.. no one is going to give/loan/borrow/invest.. whatever you want to call it.. that much money to someone on yahoo.. come on kid.. seriously!
147476
Watch out for some of these answers. 20% return (with no time frame mentioned...hmmm) with little risk is not realistic. A private equipment leasing investment is a huge risk, not only if construction slows and business drops off, but there is zero transparency, who are they?\n\nHigh yield (junk) bonds aren't a terrible idea, but only for a portion of your money, not all. What you have to ask yourself is:\n\nDo I already have a sufficient emergency fund (3 months worht of expenses, min) set aside NOT counting the 9Gs? If so, you can invest for the longer term. If not, find a good money market account (INGDirect or HSBC Direct) and plug enough of the $9,000 in there to make up the 3 months. Depending on your expenses you may need to add money to $9,000.\n\nOnce your emergency fund is taken care of, you can invest the rest. You now have to ask yourself (or have a financial planner ask you) what am I saving this money for? Is it ok to lock it up for retirement or do I expect to use these funds to buy a house in 5 years or send someone to school 16 years from now? Your time horizon(how long you have to stay invested) is the single largest determinant of how much risk can be built into your portfolio through asset allocation. Your attitudes towards risk will fine tune your allocations. A competent financial planner can help you through this process.\n\nALSO, AVOID these spammers talking about Daily12 or Swisscash or any other pyramid scheme. They're garbage.
233045
If you don't have a house then you should buy one. If you already have a house but you don't have a business you should open a busines and finally if you already have a business you should invest in the stock market.
731984
Savings. Try ING. Cash is best to have right now. You don't have enough money to invest in anything else. When you have more $$$ and if you are young then try the stock market. Stay out of realestate for another couple of years.