This short book shows eighteen examples on how to generate positive rates of return from different investment opportunities or projects in environments with near zero or negative interest rates.This book will be useful to those who are interested in managing their investments or retirement savings in conditions of near zero or negative interest rates and are willing to work out examples in the book with paper, pen, and calculator or to those who do not manage investments in conditions of near zero or negative interest rates but are curious enough to read how it can be done.