| Everyone needs money, and a way to make money, | | | | money. Those ads which state "make $5000 a |
| to live. A job working for someone else can mean | | | | month" are a fantasy unless true experts are hired |
| anything from barely making it, to a great income. | | | | to help set up the Internet business. A job or a small |
| Accumulating wealth means the ability to save and to | | | | brick an mortar business may provide all one needs. |
| make more than average money. | | | | Investing in government bonds are stable and will |
| There are some basics to acquiring wealth, and even | | | | overtime produce wealth. Buying certificates of |
| an typical income. | | | | deposit (CD's) at your local bank can produce wealth |
| 1. EFFORT. Whether one wins the lottery or earns an | | | | over time, and provide some income along the way. |
| income, effort is required. In other words work. | | | | The stock market can make money, but if one is not |
| There is no way around it. And the amount of effort | | | | expert in stock investments, then it is wise to hire an |
| often determines the amount of income. If the | | | | expert to guide you. The point is that money can be |
| income is from a small business 10-12 hour days, or | | | | made and lost in a flash. It is your money, and you |
| longer, are common. A managers job may mean 9-10 | | | | are ultimately responsible for it, so choose and act |
| hour days. A job can mean 8-hours or more each | | | | wisely. |
| day. An employee working for promotion may put in | | | | 4. PAYING SELF FIRST. You work for income so |
| more than an 8-hour day. No matter what approach | | | | shouldn't you pay yourself before paying others ? |
| is made for making money effort will be necessary | | | | Surely you should. A rule of thumb is to save or |
| 2. HOW MUCH MONEY. Deciding how much money | | | | invest 10-percent of your take home income each |
| one wants in the short term, and accumulated over a | | | | week or month. It could be 20% or 5% but it should |
| period of time, both need determining first. If a | | | | be something. It could be put in a savings account |
| 40-hour job supplies enough money in the short term | | | | that earns interest, and when you have enough |
| that may be enough if it will provide enough for | | | | saved switch to savings bonds, CD's, government |
| retirement by a pension or 401K then that person | | | | bonds, annuities, and on the list goes. The point is |
| can be satisfied. If more money than what a 40-hour | | | | that one should keep bills, and purchases, low enough |
| week job provides is decided on, then a plan for | | | | to allow one to pay self first. |
| producing more income is needed. A decision early in | | | | 5. KEEPING IT. In some ways it may be easier to |
| life is best, for there will be time to make changes in | | | | make money than keep it. Everyone has their hand |
| a job, or to self-employment, and a plan for saving | | | | out looking for your money. Forget the television |
| and investments can be made with the added | | | | commercials, what the Jonses have, and purchase |
| benefit of more time. One should have in mind both | | | | what you really need and want. Get rid of credit |
| short term and long term income, and the resulting | | | | cards for they are too tempting to spend, and spend. |
| wealth when starting a career | | | | Drive that car another year or two, keep the |
| 3. BEST WAYS AND BAD WAYS. Bad ways to | | | | present house another five years, and buy only |
| depend on for an income, or wealth, are the lottery, | | | | electronic gadgets that serve a useful purpose for |
| gambling, hoping for an inheritance, Those are a | | | | you. In other words watch out for your money. |
| waste of time and money. In the middle may be | | | | Even a janitor can accumulate wealth. They have |
| making money on the Internet. Most are not likely to | | | | done it. So making adequate money is certainly |
| make a living on the Internet, especially without a lot | | | | possible. Then practice ways of keeping that money |
| of work each day and week, nor without investing | | | | without being a miser. |