Few things are completely guaranteed in life to give you a return. A savings account maybe? Nope, you lose to inflation. The equity markets? Over the course of an extended time period, yes, with volatility.
Real estate markets? Over the course of an extended time period, yes, with a lot of borrowed money and sunk maintenance costs.
But there is one, bullet-proof guarantee way that you can make at least 20% on your money, instantly. And get $500 in the process.
If you have a kid, then you need a Registered Education Savings Plan right away.