Why isn't Bitcoinwisdom on the list? It's one of the best tools to keep track of bitcoin and other altcoins price across different exchanges in my humble opinion. There are also some tutorials online teaching how to use this tool.

http://bitcoinpassiveincome.com/bitcoinwisdom-tutorial/

Hashflare is good up until now for me. As I observed, its daily payout is not as high as Hashnest. But it's safer, in my opinion, since the maintenance fee of hash rate in Hashnest is fixed, while the maintenance fee of my hash rate in Hashflare did get reduced once or twice over the course of my investment.

mining difficulty has been climbing up very fast for the last 7 months, but I still managed to increase my hash rate by 89% over that period. A pretty decent result I think.

I have written a brief review of Hashflare and my strategy here: http://bitcoinpassiveincome.com/hashflare-review/

There's no such thing as 100% guaranteed payback. Every investment has its own risk.

For example, cloud mining market is full of Ponzi scheme, even the ones that gained the trust of many people in the past such as Mining Sweden has revealed itself as a scam. For legit cloud mining companies like Hashnest or Genesis Mining, the return can be high, but the risk is also very high due to increasing network difficulty.

For peer to peer lending, if you do not check the background of borrowers carefully, you risk losing money, too.

Probably the safest method, in my opinion, is interest-bearing wallets since you can withdraw your bitcoin anytime you want. The return is relatively small compared to other investing methods, though.

For a list of investing platforms of all 3 methods, this is a pretty decent article.

http://bitcoinpassiveincome.com/how-to-get-bitcoins-comprehensive-guide/ 

I invested a small amount of btc in HashOcean 6 months ago and continually reinvested my earnings afterwards. I've managed to multiply that initial hash rate by six folds now. This is a pretty high paying cloud mining site. However, I still advise everyone to be cautious because it's not 100% trustworthy. I wrote about my experiences with HashOcean in details here http://bitcoinpassiveincome.com/hashocean-review/

MS seems legit up until this point. Tommy resolved all of the issues pretty quickly. It's April already, and I'm quite curious how much profit we will receive from the VIP share.
I don't suggest anyone to invest at the moment because your mining power will suffer from the upcoming halving event. But a few months after the event, when the network difficulty and price regain stability, there's a cool trick you can do to safely invest in MS without spending much of your own money. Check out this article I wrote about MS for more details: http://bitcoinpassiveincome.com/how-to-use-bitcoin-leverage-to-invest-in-mining-sweden/