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      "body": "![dad.jpg](https://steemitimages.com/DQmPY4jY5hve85G2wXXjbRPFjw73fU9nkLYC1JpTsXoyBWP/dad.jpg)\n\nDo you think money does not bring happiness? In fact, people who have become wealthy winning their own money are happier than those who have no money or those who have money they have not done. But how do you get money if you are not part of a rich family? Maybe you have a different opinion but you do not need luck or inheritance, high education and you do not have to be a genius.\n\nIn the book \"Millionaire next to us\" we read with interest the story of Teddy Friend.\n\nTeddy is very complicated because she grew up in a modest family and did not graduate. All of his colleagues who are faculty graduates look at them as opponents and have a great inner motivation to show them that they are more competitive than they are.\n\nHe wants to dress better, drive more expensive cars and \"live longer\" than his rivals - \"intellectuals.\" Teddy is a big consumer. It has two boats, a skyjet, six cars, a $ 5,000 watch and a holiday home.\n\nEven though in the previous year Teddy had earned $ 221,000, being among the best-paid US employees, he did not accumulate wealth. How is it possible? Let's see!\n\nHe's buying more and more things on credit. Increasing his debt increases and fear of losing everything he has, and this fear motivates him to perform at a high level to earn a higher salary. Thus, he spends a lot of time working. Even so he is constantly worried that he will lose his advantage over his colleagues, he is stressed all the time by the thought that he must be better than college graduates.\n\nTeddy does not really get to enjoy life. He owns many material goods that many people who do not really know him envy but spend so much time at work and have no time to enjoy them. He has no time for the family either. He leaves for work early in the morning and rarely returns home before dinner.\n\nMr. Teddy is an example of a person who works, sacrifices himself to earn as much money as he spends on expensive things, symbols of success to impress others.\n\nWould you like to have his life? Of course it's an exaggerated example, but how many of these mistakes have you made? Did you buy an expensive car on credit? Or did you buy a TV on your credit thinking, \"At least I deserve my work and I'll pay it when I get the Christmas first?\"\n\nMany people spend the money they know they are going to receive, they never save, and still hope they will one day get rich. When their income increases, their levels of consumption and living standards increase. They buy a new car or a bigger house.\n\nFor those who have these habits it is impossible to accumulate wealth if they do not change anything. On the contrary, if the only source of income they have is salary, they are at high risk. What do you think happens when this source disappears? There are few who have been fired and then unable to pay their loans and have lost their homes having to restart from scratch.\n\nThe truth is that most people have no idea of ​​spending their money, spending it chaotically, and after a work life it is not getting much, becoming dependent on the state pension.\n\nNow, let talk about the tips for a life without financial worries :).There are 4, maybe the most important ones.\n\n# Start looking at money as a resource through which you can become financially independent!\n\nYour task is to reverse the way you perceive money and start to associate money saving with pleasure because this habit helps you move towards your goal of being financially independent and spending money removes you from the goal.\n\n# Calculate your net worth!\n\nMany people think that if a person has a big income it means that the person is rich. But it's not like that. Net value is the true indicator of a person's wealth.\nNet value is calculated by summing the amount of money in all your properties and assets: house, car, money savings, stocks, gold, and other valuables. Then you make the amount of your debts to banks or other people. The last step is to make the difference between these amounts and get the net worth of your wealth.\nYou can quickly get this result by accessing this computer.\nThink of this moment as a zero point on your way to a prosperous life. Look well at the resulting amount and write it down somewhere because it's important to know where you came from.\nIf the amount is small, do not be discouraged. This is a sign for you to change something to get better results in the future. Glad you found out this now and not later.\nAnd be aware that if you do not make any changes, you will have the same results in the future!\n\n# Spend less than you earn!!!\n\nThis is the most important rule.\nNowadays when most of us use cards and have money in banks, if you do not have a tracking system, if you are not organized, it's easy to lose control and you have no idea how much you spend on the moon and what you do not realize How do you grow your debt.\nAnd I was in this situation and I felt like in a carousel, I was increasing my debts, then when we took a premium or got a bigger amount of money, we paid them and started to see a little light, then again I started To sink and redeem debt.\nThen I started using a document recording revenue and expenses. Of course the first few months were negative. But having this, I was able to see exactly what the money is going through and eliminating some unnecessary spending and reducing the waste I managed to get on the plus.\nRecently I started using an application that I am very pleased with and I recommend it because it is superfluous to use, all you have to do is to enter the expenses and incomes and the application calculates the amounts in each category and you can Shows the information graphically.\nCashbase is a web application that does not need to be installed. You just make your account for free and you can use it. There are also mobile versions for IOS and Android. I installed it on my mobile and many times, after I do a purchase, I immediately put it in the app.\nI recommend you to create an account and start today to use this application. You can find more information on the resource page.\n\n# Think more about how to increase your income, not how and how to consume your money\n\nBe aware that the company wants you to be a consumer and see the more subtle or obvious way that you manipulate to shop or spend as much time in front of the TV, because that's also a consumption.\nFor example, you hear messages like, \"Drink an X beer while watching the game with your friends!\" It's not hard to figure out what's going on. You call your friends, look at the game together and drink some beer beers.\nAnd who takes the lion's share of the money you pay for beer? You guessed it. State. Ponta and his are screaming you right. Over 70% of the beer price is VAT plus excise. The rest of the money goes to the beer maker who gives it up to the television. Television gives some money to the professional football league that pays the clubs. This is how the beer, television, league and footballer win.\nBut what did you gain?\nWas it not better for your physical and financial health to keep your money in your pocket and go out with your friends to play a football game?\nMany are indignant at the fact that footballers earn so much money but look at a bunch of matches, not realizing that they themselves contribute to the wages of footballers. The same applies to television actors or television presenters.\nIf you want to fund these mankind money from you, spend your time on TV under the false impression that it \"relaxes you\".\nDo you like to drink beer? How about if you produce your own beer for personal consumption? And if you still do, you could also produce extra to make a deal with your neighbors for other products or services. Maybe a neighbor produces honey, or someone knows how to fix something in the house.\n\nLast Christmas, I imagined how glad the merchants were at that time, and I watched the TV commercials where the producers were promoting their products with the joy of the holidays. For Christmas, you buy lots of gifts for loved ones. Companies pay you a salary in advance so you can spend it during this period. They all contribute to the well-being of the consumer society.\nRealizing these things, I was thinking how I would like to have something for sale and enjoy profits instead of worrying how much money I will spend on gifts.\nBegin also to put your mind at work to find extra revenue solutions out of salary.\nBegin to take responsibility and take control. Stop neglecting money and using it chaotic and you will see the results. You will be able to accumulate more and more money and gain more confidence in yourself and your future.\nYou may not be able to implement all these recommendations tomorrow, but you can certainly choose one to start with and after you get used to choosing one more to put into practice. Do not stop until you reach your goal!\n\nFinally, I want to thank you for your support and if you liked the article, please give it a share.",
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      "body": "Thank you for writing this informative article. This is a very good reminder to us to take a risk in investing but being wise.",
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      "body": "![faa.jpg](https://steemitimages.com/DQmcphVKoxF6a5o67VqyEXunsnAaqzPEpFUcGqRkSvUid8G/faa.jpg)\n\nLarry Page and Sergey Brin made the best search engine algorithm and called it BackRub. Later they changed their name to Google. They were students and did not have the money to build a company, but they knew their product was better than Yahoo or Excite who were the big players on the search engine market.\n\nThey did not even want to carry the project forward. They had other ideas they wanted to develop. They went to Yahoo and offered the algorithm for $ 1 million. \"We are not interested.\" The same answer was received from George Bell, CEO at Excite.\n\n\"OK. We have to do it ourselves, \"said the two. They found investors, bought servers and in a few years everyone used Google to search. Still, they did not have any income. And investors had to invest more and more money for infrastructure.\n\n\"Do not worry. We will find a way to make money if we have so many users. \"\n\nInvestors lost their trust, patience and .... money.\n\nThen Google launched AdWords and ... the rest is history. Now the company is worth over $ 400 billion and has revenue of about $ 66 billion a year. Yahoo is on a downward slope, and Excite has not heard anyone.\nAngel Investing\n\nMany businesses at the beginning of the road need capital and usually are not in a position to get a loan from the bank.\nWhy do money startups work?\nEquipment, employees, marketing, raw materials or inventory.\n\nThis need for small business capital is an opportunity for investors. If the business seems to have potential, they can do all sorts of contracts with those who need investment.\n\n   1 To give them money with interest\n   2 To buy a percentage of the company\n   3 To receive royalties\n\nInvestors are not suckers. Their purpose is not charitable. They want to make money. But do not even fall into paranoia and think everyone wants to cheat on you.\nIntelligent investors want to make a mutually beneficial business, not to mislead you. I'll explain why.\n\nThe happiest scenario for an investor is the one he invests in and then he does not worry about the deal anymore. He does not want to invest his time to put his shoulder to success because he knows you are a good and capable entrepreneur.\nBut there's another ingredient. Your motivation. Investors know that if they initially make a grasp for you, you will not be dealing with the same business.\n\nSilicon Valley is renowned for this practice.\n\nFor an investor, startups can be a gold mine. And there are many examples of angel investors who put the shoulder (ie wallet) in their initial phases at Google, Facebook and then earn tens of thousands of percent.\nStartup investments are risky\n\nAs in the golden chase, most of these investments are risky and can go quickly to zero.\nThere are many factors that lead to this outcome, and the most common is the lack of experience, the incompetence and even the arrogance of entrepreneurs.\n\nMaybe they had a good idea, but they did not know how to put it into practice and build a profitable company. Maybe they started a business in order to sell it quickly. Most investors have a fine nose and quickly identify those in this situation, but there are some more naive people who are fooling betting on some people who do not understand the business world and lose all their money invested.\nIn this situation, he has to think about buying the whole business and setting up a new manager who can take the business to the next level.\n\nKnowing this failure rate, most investors avoid putting all their eggs in the same basket and diversifying their investment portfolio.\n\nI told you that the ideal situation for an investor is to work only the money for him. Make the investment and then begin receiving dividends without investing time. But in the real world it rarely happens like that.\n\nIn order to increase the success rate, experienced business investors help entrepreneurs by providing advice and access to the world of business knowledge, which means enormous for someone who is in the entrepreneurial adventure.\nInvestors can not be fooled\n\nSome entrepreneurs expect to pocket some of the money the investors are pumping into their business.\nIn order to get a chance to get an investment, you have to present a good business plan, justify what you spend on the money, and if you put an expensive car for you, it does not look good for the investor. You'll probably get a diplomatic response: \"Thanks for the presentation! We announce you! \".\n\nIt's hard to distinguish winning ideas from bankrupt ones. What would have happened if Google had not released Adwords on time?\nHow to invest in startups?\n\nIf you have not made any startup investments, I suggest you start investing in the stock market. If you're more attracted to angel investing, you have more options. You can do this online through specialized sites.\n\nAngellist Unions - You can get into investment with the best investors.\n\nEquity crowdfunding - there are websites where business projects are published for which funding is sought from regular investors. In exchange for money, shares are offered in those businesses. There is a small success rate in these businesses and I would not recommend them.\n\nI invest in the stock market and I do not have angel investing experience, but the advice of Tucker Max (a well-known author, contractor and investor in the US) for the start-up investors is to use Angellist syndicates.",
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      "body": "Wow sir .... this post is really helpful for the new comers who want to start a luck try in home based business .... i will follow u sir for more interesting informations ... i m new here reangels ... need more friends here in steem it family ... so i follow u friend ... soon i will sstart to do steem it complete way ...want frinds to follow me dear ... hv a good day friend",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://www.entrepreneur.com/article/201588",
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      "body": "Today, tens of thousands of people are considering starting a home based business, and for good reasons. On average, people can expect to have two and three careers during their work life. Those leaving one career often think about their second or third career move being to their own home. People who have been part of the traditional nine-to-five work force and are on the verge of retiring from that life are thinking of what to do next. The good news: Starting a homebased business is within the reach of almost anyone who wants to take a risk and work hard.\n$1,500 or less to start up\n\n1. ACCOUNTANT\nExperience, training or licensing may be needed\n\nCreate a flier outlining your services. Before you do that, you need to know what those services will be. Do you want to simply do bookkeeping for a small business? A more involved level of accounting would be do actually work up balance sheets, income statements, and other financial reports on a monthly, quarterly, and/or annual basis, depending on the needs of the business. Other specializations can include tax accounting, a huge area of potential work. Service companies like Due.com assisted freelancers with payments. Many owners don't mind keeping their own day-to-day bookkeeping records but would rather get professional help with their taxes.\n\n2. BICYCLE REPAIR\n\nIn many parts of the country, this business tends to be seasonal, but you can find ways around that. Rent a storage unit and offer to store people's bicycles over the winter after you do a tune-up and any needed repairs on them. If you want to cater to the Lance Armstrong wannabes, you can have business all year round. These road race riders are training through snow, sleet and dark of night. Some of them work on their own bicycles, but many of them don't, so you can get their business all year. And if you keep Saturday shop hours, you can be sure you will have a group of enthusiasts coming by to talk all things cycling.\n\n3. BOAT CLEANING\nExperience, training or licensing may be needed\n\nBoats that are hauled out of the water for the winter or even just for mid-season repairs will need the hull cleaned. And depending on the type of boat, it is a good time to give a major cleaning everything else too--the decks, the sleeping quarters, the head, and the holds. Start by approaching homes that have a boat sitting in the yard. Or you could market your services to the marina to contract you to do the boat cleaning it offers to customers.\n\n4. BUSINESS PLAN SERVICE\nHas expansion possibilities\n\nOffer a soup-to-nuts business plan, including market research, the business plan narrative and the financial statements. Plan your fee around the main one that the client will want and offer the others as add-on services. You can give clients an electronic file and allow them to take it from there, or you can keep the business plan on file and offer the service of tweaking it whenever necessary. Have business plan samples to show clients--and make sure to include your own!\n\n![index.jpg](https://steemitimages.com/DQmdoeaiChk1jHS63AKYgz63gDEd6udQfD8s1jTQwBfgYmY/index.jpg)",
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