This idea is so new, and progressive, that I was unable to find a single YouTube video on this investment angle. That's rare.

I did find this attached video regarding the overall concept of buying Fannie Mae and Freddie Mac debt and what a boon, a tremendous value that debt represents. I am referring to private debt, and found nothing on it. It's that new and that secret!

In this age of online money making promises, every once in a while there's a shining ray of hope that defies, and surpasses the hype. Sometimes there isn't any hype at all. In fact I found one nobody has heard of.

One-sided gain peddlers, and broken eGurus, hawking get-rich-quick schemes from the carnival midway, will not stop at this money machine because they can't make money at it. Only you, the actual investor can.

I offer proof that one can still find a real online money-making breakthrough.

When I run across these types of high performance,online, no assembly required, financial tools, I like to really test them out. Put them through the paces and make sure, as best that I can, that they're good,and if they are for real.

Well I am happy to report that this one is the real deal. I should know, I invested in it and made above-average returns in a bad economy (see proof above) So I want to pass this rare, exciting,online investment gem to you.

"An informed investor is a rich investor"

First, let's ask the question:

What if you gave someone $400 and you need it back ?

a) Would you let them owe it to you and never ask for it? or,

b) Would you try to get them to pay it back to you? or,

c) Would you really, really try to get them to pay you back, (especially since you don't know them and it was a strictly business, transaction) ?

Now, it gets better. What if you only gave them $70 or less, for that $400.00, they owe you?

Interesting isn't it? Read on

A long time ago, I read Robert Kiyosaki's Rich Dad, Poor Dad. Something in that book changed the way I, and many others thought about money. If you haven't read it, order it. (I took the liberty of placing a link at the end of this article for you) From that change in my thinking came a change in my attitude and from that stronger, more personal emotional connection, came a change in the way I viewed work, wage earning, investing, opportunity, and most importantly, the way I viewed human nature.

The part of human nature I am talking about is the nature to assume that we should compete with other humans for depleting resources. This, as you know, is called a zero sum gain.

We compete for a job. We compete for a quality mate. We compete for a good college. We compete against each other most of the time, for things that we want and need to survive.

Now I applied this thinking to mutual fund, and individual picking of stocks and general consumer-styled investing . I concluded easily that only insiders, close to the deal, actually earn the big returns. The rest of us get mediocre, or worse returns.

I also concluded that investing is often a zero sum gain. If you invest in stocks and gain, it may be because another lost.

Let me give one example of what really happens:

• You invest in GE from a reputable stock broker at $65.00. The stock goes to $70.00. you gained $5.00. But- Somewhere, someone lost money on a GE transaction, too. Maybe because they bought GE at 75.00, and sold it to you at 65.00 in a fire sale to get liquid.? So it's safe to say that not 100% of investors gain by transacting GE stock-Right?

Now, let's say GE goes out of business.(today, anything is possible) What is GE stock worth? In other words, in choosing an investment, ask yourself in the worst case-scenario, will there be any intrinsic value?

So, let's say that investing is something that is risky, requires another to fail, or lose, and has no intrinsic value-Can we assume that?

Don't get me wrong. I think that mutual funds are a sound, long term way to build wealth. I also like personal real estate as a wealth builder, again, over the long term, but what I like most, is a diversified portfolio of variable risk, variable potential, and ground-floor opportunities as a balanced approach to portfolio management.

Now Rich Dad, Poor Dad talks about investing in various vehicles, and the one I stumbled upon is 'debt'.

As a sophisticated investor, financial author and child protege, Robert Kiyosaki suggests that buying debt is reliable, a win-win (because the debtor gained a product that created the debt to the lender) is difficult to break into for the novice, and therefore weeds out the scams and the pretenders, and buying debt is purchased for pennies on the dollar. This is perhaps the most high performance investment tool I know of and one which Kiyosaki recommends because like him, the rich know its' secret. It's what the rich do, to get richer.

And best of all for the socially conscious, buying debt as an investment defies the undefiable zero sum gain problem of investing.

Now here's the really good news. (It gets better and better)

Unlike stocks, debt isn't worthless if a company goes out of business. Debt still keeps value no matter what. Debt is often collateralized. Debt has to be paid eventually or the debtor can't buy a house, can't get a credit card, can't reclaim the property that sometimes secures the debt in the first place, and the debtor can be made to pay in a court of law, legally, even if they try everything to get out of paying. Also, If a debtor goes bankrupt and there isn't any collateral, most sellers will simply replace the debt to you, free of charge with better debt.

In his book, Kiyosaki talks about how the 'rich' invest and the 'poor' consume. Debt is the product of a consumer, but we are all consumers. Your job as the investor, is to assume your role and invest in the broken contract of the consumer You're also helping to maintain the consumers humanistic need to do right, settle the matter, pay his obligation and enable him to again enjoy the fruits of good credit and all the rest. Everybody wins- You, the debtor, and the bank and society as a whole,( if that is an important criteria for you also, as it was for me) I am going to coin a phrase: "Social , or peer-to-peer recovery" What if the general public pursued and encouraged the collection of debts of another? Grameen bank in Bangladesh makes micro loans to borrower 'groups', and collects them based upon this new, social principle. Last I heard, it was working very well to keep loan costs really inexpensive.

Wouldn't it be nice if everybody paid their bills and we could get-easy- to qualify, low-interest loans ? I predict that social collecting will emerge and help to usher in this principle.

It will start with individuals purchasing anothers legitimate consumer debt.

How the Internet changed everything in online debt transactions

It used to be that debt was difficult to find. Only the big investors knew where to find it and could afford to invest in it. Then the next problem was that collecting debt was a cumbersome, labor intensive, physical process reserved for private investigator types and sophisticated, one-of-a-kind computer programs that costs thousands to maintain and were unreliable ways of finding people who owed money. The post office and the utility company used to help collectors locate debtors but those days are gone too.

Now, thanks to the pervasive saturation of the Internet, software and inexpensive, in-home-wireless technology, anyone can find anybody for a few cents, or maybe even pay as much as say, a whopping $3.00 at most.

All you need to find anyone, anywhere, is a little personal information like their last known address, social security number, or date of birth.

Now everyone can access this information cheaply and quickly.

Now anyone can buy debt if they know where to look. And collecting it it as easy as logging in to a website with your accounts name and social security number, which conveniently accompanies most debt you would invest in.

Not your cup of tea?

There are a myriad of experienced debt collection agencies, many of which are extremely effective, conscientious, and credible, who will collect debts from around 25-30% commission based on what they collect.More if you ask them to take your debtor to court (because he told you he didn't feel like doing the right thing, and paying the money he owes) This is the route I chose and after their fee's were subtracted, you can see I still made an excellent return on this, my first time.

This is who I used: He is the actual seller and collection agency. He was professional and I thought the best as far as pricing and service and expertise. clee@lighthousera.com There are many others online, who may be very good, also.

I hope this test helps you to earn online dollars as much as it did for me. I will continue to follow this trend to see what the future certain popularity explosion is going to do to effect return on investment, but for now, I am pleased and quite surprised.

Remember to do your due diligence. Never let greed overcome your getting facts Do research and ask questions. Also get references and check laws and restrictions if any may apply.

Jean ne