Investing money can be highly profitable, but in order for someone to profit sometimes someone has to lose. Although I like to take risks, I don’t like to risk money, so investing has always been something I’ve worried about.

Real Estate Trust Deed investments are a bit different than other traditional methods of investing. Usually you have a choice between investing safe and getting a low return, or going for the risk and possibly losing everything. Trust Deeds are high yield investments with a return of 12% or higher and with low risk.

This is a great option for those of us who don’t want to lose our life savings, but are willing to take a bit of risk for the chance at a better lifestyle when we do decide to retire.

I love all the great free services there are for people. Now you can set up a free conference call with coworkers or even family. For business, it’s very necessary to keep in touch with clients and colleagues. Calling each individual person can sometimes be a hassle, so it’s great when you can reach everyone at the same time.

A conference call service can be handy for any business. For a blogger, you can get on conference with someone you’re interviewing and save the cost of a long distance call. If you’re a mystery shopper scheduler, like my mom, you can bring multiple people on the line at one time and train multiple people at the same time. This doesn’t just save you money by allowing everyone to call for free, but it saves you money by minimizing the amount of time it takes you to train your employees. Another plus is that they will all be able to benefit from the questions one asks. You can even record the conversation for free, to refer back to later.

The real money saver here is with international conferencing. Even if you have Vonage for your business line, it costs extra to call internationally. With this free service you and your clients/colleagues/friends can call in and won’t have to pay a penny for the call.

Can you think of your own use for this service?

A great way to make money online is to come up with an idea no one else has yet, or one that has been done poorly. This is why niche blogging has become so popular and lucrative. Google has helped many make money from their visitors and helps just as many gain visitors they wouldn’t otherwise have had.

Roomster.net has taken a simple need, such as finding an apartment or a roommate, and created a fully interactive website visitors to get what they’re looking for quickly and efficiently. Adding photos and profiles for the users made the service more personal and easier to use.

They’ve made use of Google Maps so you can see not only the location, but the surroundings, right from your computer. And they have a quick messaging feature that allows to you message potential roommates, or receive messages without having to share your email address with the public. Keeping your members’ and their information safe is a great way to earn trust.

I like that you have to register or log in to do anything on this site, except to see the listings. If your visitors have to register to even look, it’s likely they’ll leave the site altogether. They have a great balance public and private information, as well as a great userbase. You can see from the front page that this site is used often and by many. Take a look and gain some inspiration. And possibly even find yourself a new roommate.

At this point in my life I’m thinking a lot about moving on to buying my own home. Renting is easy, you just call someone else if there’s a problem. But at the same time, am I throwing away $1,100 each month? Probably so. Paying this same amount with no money down, I could get a $180,000 mortgage loan. That’s not an amazing house, but it’s all I need. And over time I could refinance and get a lower payment.

I admit, though, debt scares me. Even something as small as payday loans make me very uncomfortable. My car is about paid off and I should be completely debt free by this time next year (excluding Jay and his truck) so I’m really considering growing up and investing in a home.

I know millions of people own homes. Why is it so scary to me?