Hi everyone and thanks for joining me on the Money Girl Podcast.

I'm Laura Adams, the author of the new book Money Girls Smart Moves to Grow Rich.

Buy the paperback at your local bookstore or get the e-book version from Amazon.com or Barnes and Noble.com.

If you'd like to sample the book first, you can download two free chapters at smart moves to

grow rich.com.

If you can't stand the thought of losing money, you might be afraid to invest it.

After all, the losses many people took in the recent financial crisis were scary.

But you also know that keeping your money totally safe in a savings account or a

CD that only earns one or two percent a year could be financial suicide.

A podcast listener I'll call Jenny,

asked me what she should do with her money.

She's 28 years old and has worked really hard to sock away $100,000 in a savings account.

But she's disappointed with the terrible interest rate she's getting.

Jenny said, the investment market kind of scares me.

What's the best way to get the highest return on my money without a high risk?

In this podcast, I'll answer Jenny's question and give you tips to grow your money even if you hate the thought of

taking investment risk. When you get down to the heart of investing, there are

really just two ways to make money. You can be an owner or a loner. In other words, you can

own assets that you expect to increase in value or you can loan money for a specified

return.

Stocks, real estate, gold coins, artwork, or your own business

are all examples of investments you might own

...