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Many, many folks would love to know how to make money, and assume that the only way is luck. One day, I'll get lucky and win the lottery. Yeah! Don't hold your breath! One day, an unknown uncle will die and leave me a million! Let's get real. The only way you will ever find success in life is by your own efforts. Any other way is wishing for a lightening strike. It ain't going to happen. Will working hard for a boss make you rich? No. Will working hard for yourself make you rich? Yes, if you do it right. One of many things you have to investigate is the start up cost. Do you have enough money? I have learned from bitter experience that borrowing start up money can be extremely risky. It is like gambling, or investing in the stock market. Can you afford to lose it all? If you can, go for it. No problem. But if you cannot afford to lose, then do not borrow. Debt can kill you. If your uncle cannot afford to lose it all, then do not borrow the money!! Listen up! No bueno. How big is the risk? Ideally, your start up cost should be as low as possible. Almost nothing. No rental of office space, no employees, no fancy equipment, no bells and no whistles. Bill Gates started in a garage. Not that I am fan of Bill's, but he started right and look where he got to! The debtor will always be a slave to the creditor. Always - sooner or later. Do you want to borrow money and then lose control of your business? Do you want a bank telling you what to do? Remember the goal is to lose your boss and gain your independence! Do not let a bank be your boss. OK, you insist on getting finance. Google it or go to your local bank and ask for an SBA (small business agency) loan. I warned you - it is not easy ... But, never, I mean NEVER go to hard money lenders (high interest rates), loan sharks, or guys who might blow your knees off! They are out there - avoid them like the plague. You might have to plan for a second job, make extra money, and save for a year or two until you have the start up money. You might think of a partner where you can get money. Think once, think twice, and then think again. Many a friend has been lost over money. It can work, but ... Careful! Are you looking for fast money? Again, use your better judgment - be careful. Hey, your better half might get a second job --- wait a minute - careful! You may have guessed I know of businesses that you can start for next to nothing. One master of


this is a friend called Daegan Smith. If you want to know more, just follow the link at the bottom and go for it.

If you want to fight back, eliminate debt, and find financial freedom then this is the place to be. Visit: http://realjoy-howtomakemoney.blogspot.com Thank you. R. Neill is committed to combating our lack of knowledge that keeps us chained to jobs, bills, and debt.

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How to Make Money - Time is Money