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What Investment Will Make You Rich ?

All investments are inferior compared to investing in yourself. Feed your brain good knowledge and you shall reap the monetary reward. Feed your soul and you shall reap everything you desire.

Don’t be one among those people that think they have to possess a lot of money!
Obviously, the more dough you've got, the more you'll be ready to save,
but the most thing which will turn your finances around is developing the habit to save lots. It’s a mental thing.

It has always been the case that saving small amounts regularly and within the right places will add up to financial wellbeing. So I'm discovering these important three tasks, that you must accomplish to turn rich.


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Invest in Yourself

All investments are inferior compared to investing in yourself. Feed your brain good knowledge and you shall reap the monetary reward. Feed your soul and you shall reap everything you desire.

Start reading books just like the Four Hour Workweek, Think and Grow Rich and therefore the 7 Habits of Highly Successful People.
These books, if you study them well, will cause you to expand your awareness. devour books from people you admire. there's magic in books, and once you begin implementing skills learned from those books, you'll eventually reach the abundance you long for.




Dividend Shares.


Dividend shares are a reasonably simple type of investment.

When you purchase $1,000 worth of shares at the start of the year and let say the dividend yield is 5% per annum. At the top of that year, you’d have $1,100 in your checking account. (not accounting for share price growth)


It’s my goal to be financially independent by mid or late 30s, so that’s my definition of rich.
The thing is, my investments in dividend shares won’t make me rich immediately, but you recognize what?
If I don’t inflate my lifestyle, save more, and invest consistently, then I'm sure once I am the mid or late 30s, my investments will make me rich enough to possess options.
I am currently saving 60–80% of each paycheque and that I invest that into my portfolio immediately.

Compound interest is that the eighth wonder of the planet. He who understands it, earns it. He who doesn't pays it. - Einstein 

The key here is consistency and save aggressively. Save aggressively and invest consistently, it’ll come to some extent where you get to try to whatever you would like with your life, while others are told what to try to to with their life.



Time

Time is the investment that will make you rich. Time is your friend. the earlier you begin, the longer can work for you.

Start early. Start with saving. Begin with earning interest. Next year, take interest and invest it. Possibly in earning more interest, maybe dividends, maybe capital gains. But, time will provide the expansion to your investment which will cause you to rich.

Time features a way of getting faraway from us. It sneaks up. Before we all know it, it's thrown all types of curveballs at us and made us old. Or worse.





Lbiinga

Getting Rich From Scratch

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The Quickest Way To Make Money Under 30

You may wonder what's the quickest way to become wealthy under 30, actually dealing drugs it's the quickest way but it's not legal neither easy for you to do it.
Real estate, Self Publishing, Blogging, e-commerce, Flipping luxury items, Digital Marketing, Stock Trading & Crypto are the leading businesses in the next coming years.

Those strategies will be explained in detail, but for now, we'll explain 10 steps that will guarantee you can become a millionaire before you turn 30:




1# Follow the Money:

                               And what we mean by following the money it's to keep increasing your income and repeat that process until you are financially satisfied, even if it's hard to be.

2# Save to Invest:

                   Don't just save the money to put it there, the money you save should only be for investing, put it on accounts that you can't touch not even for an emergency.

3# Avoid debt that' won't make you money:

                               If you use debt to buy things, you only make the rich become richer. While rich people use debt only to grow cash flow. Remember the rule #No Debt unless you can make more money from it

4# Don't buy luxury products:

             show up! don’t buy luxury items like watches or cars until your business is producing multiple secure flows of income. Continue driving your old car even once you become a millionaire. Be known for your work ethic, not the trinkets that you simply buy.

5# Get a Mentor 

                   You need to find your own millionnaire mentor because that will shorten the road for you, rich people are generous with their knowledge and get used to knowing their behavior and thought.

For some people, wealth may be a 7-figure net, fast cars, a house within the hills, and a set lifestyle.

For others, it’s low 6-figures during a career that they enjoy and enough time to spend with their family. There are not any right or wrong answers here.
You just got to find out exactly what wealth means to you.



Ask yourself:

• How much money do I would like to make?
• How long am I willing to figure at a given endeavor to form it happen?
• How many hours every week do I would like to figure after I buy this off the bottom (because you’re getting to work yourself half to death to urge things started).
• What kind of lifestyle do I would like to have?

Lbiinga

Getting Rich From Scratch

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You Want Quit Your Job and Start Your Own Business.. This is where you Should Start

You may hear this in your life more than once, and you may think of it many times. "I want to Quit job and START my own Business"

Whatever you are doing, please don’t quit your job to start out a business.


 Unless you achieved these highlights we're talking about today:

1. You can't start a business if you haven't sell anything yet.

Don’t quit your job if you’ve never sold one product, you haven't built anything, haven't any savings, or you’re thinking that family and friends will buy your product. no matter the industry, you would like consistent sales before going full time. Pick a sales goal, set a period time then quit your job when goal achieved.

2. You should save at least 6 months of expenses.

Unless someone is offering to cover all your expenses for the next six months, then you'll quit your job immediately and begin your business. But if you don’t have an investor, you would like to save lots of a minimum of six months of your expenses before quitting your job. Because you don't expect to generate a profit since day 1.

3. Your revenues should cover your monthly expenses.

For example, if you generate the first month an income of 2000$ and your expenses 1800$, don't quit your job yet. Never quit your job after just one month of operating at a net income, aim for 3-6 months before quitting your job.

4. Talk about it first.

Tell your partner and family about your business plans. allow them to skill your life and schedule will change moving forward. mention how they will support you. Make it clear to them that you simply can't work from 9-5, as a full-time entrepreneur, you'll expect 10–12-hour workdays six days every week.

5. Find why you want this?.

Ask yourself why you would like to become an entrepreneur. Is it for the lifestyle, financial freedom, control, legacy, or solving an enormous problem? Everybody wants those things, but the method is incredibly hard and painful. a robust Why can get you thru it all.





You need to have an idea about how businesses started, a lot of leading businesses now had a side hustle yesterday, I wrote an article about 12 Super Successful Founders Who Failed, check this out:

• Groupon- Originally “The Point”, Groupon started as a social network that connected a group of users to a specific cause.

• Twitter- It was a tiny side project created by a company called Odeo during a hackathon.

• Instagram- The founder taught himself coding after work and launched a Photo Check-in feature called Burbn which later pivoted to Instagram.

• Craiglist- Started as a simple email list to help the founder meet new people.

• Oculus- The founder used to work on his side hustle in a garage after his day job at Mixed Reality Lab.

• Khan Academy- Salman Khan started creating short youtube videos from Economics to Art after his day job as a Hedge Fund Analyst.

So as a final advice, just before thinking of "Quit your job"  you may test the following:

• You need to save from your salary at least 30%, Remember you are saving to fund your business, so do whatever it takes.

• Find your niche, and explore it as deep as you can

• Make an MVP (Minimum Viable Product)

• Sell it to a few people not more than 10, because you just need to test your product, you are not ready for the big launch.

• Take feedback from these few people, fix what's missing keep improving

• You'll know the right moment to launch your product by yourself

"It's quite good to think of quitting your job to start your business, but you can't go to a war while not prepared."   -defrix

Lbiinga

Getting Rich From Scratch 

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10 Rules of Handling Money and Personal Finance

Most of us Today is struggling from some financial problems, and it's not your fault, No one ever teaches us how to handle money or how to keep it.

 So glad you are here, I'm going to introduce you some of the most common rules to use in your life for a Successful Financial Life.

1. Health:

 Taking care of your health should be the first thing, you may think that has 0% relation with your financial life? right? No, It has a strong relationship in the long run. Watch your health and your mental health it translates your life. Health is more important than money

2. Addiction:

Give up the addiction to bad habits, to consumerism, to debt, watching porn, wasting time. This cycle of doing it to feel good, do it again to feel good is never going to end so you must truly know yourself and what's your doing.

3. Do it yourself:

There are millions of videos, articles, books on the internet almost about everything, use Youtube!

Learn the things you don't know, there is no need to overpay for things you can do yourself. 

A Penny Saved is a Penny Earned

4. Follow your mentor:

If you don't have a mentor to guide you, to give you the good advice you'll be there struggling for years into financial problems. Consult someone trusted and successful in his life, and what I mean is He's financial life is successful, talk to them, ask for their advice that's will shorten the road for you. 

5. Saving:

You should put away a percentage of your earnings, Pretend it's not your money. 

You'll be surprised at how much you can save from this. Remember Rich people are Savers.

6. Earn more:

You can be an employee, business owner, or student, make sure to work extra hours, get a second job to develop a second income. Work on the Internet, Learn How To?

7. Pay-Off Debt:

Any debt you have should be paid off as soon as possible, avoid any debts with high interests: car debts, luxury accessories,... You can't be financially free if you're stuck in debts unless you are making more money from your debt.

8. Investing:

     You can start investing in a mutual find or during an open-end fund or another incoming producing mechanism, try some programs for the long term you don't have to risk anything while you don't have enough knowledge about the field. 

There are two ways. Rental real estate and a combination of precious metals and stocks.

        Buy a small house or a garage with a mortgage, rent it to someone, pay off the mortgage with the rent and sell it. If you are interested in investing I wrote an article on How to Invest Safely 

9.Obsession:

 People in this country are obsessed with money. Save money, spend wisely, invest prudently. Money is important, keep it in mind, but not the only thing in mind. I see many people have very dysfunctional relationships with money. Don’t die worrying about money.

10.  80% from 20% rule: 

80% of all problems are caused by 20% of the reasons. So if you can find out those 20% reasons that make you spend 80% of all your money, it makes easier for you to reduce your expenses.

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Lbiinga

Getting Rich From Scratch

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What Business Should You Start in 2020?

Are you interested in starting a business online? You may get confused about what to do? where to go? steps you should take?

I will take you with some of the best business ideas that still work in 2020. Starting the right business is a combination of insight and execution, it's adequate to growing a tree, which requires lookout for the first years.

 Online Business Selling ideas:

All you have to do is to sign up for some international warehouse, create your store and website, then you can start importing your products.

• Selling phone cases online.
• Start selling makeup online.
• Selling socks online.
• Selling print-on-demand t-shirts.

Other business startups ideas:

Event catering:

Create an event, it may be local or not and come up with people with the same interests. You can earn your commission as long as your event reaches sufficient people.

Freelancing Writer:

If you think you are good at writing, create an account on Freelance websites: Freelancer, Upwork, PeopePerHour, Fiverr,...

Gardening service:
Offer people to take care of their garden in return for some money, you can create your personal cards or posters and get yourself some clients.

Event planner:
It's easy, right? but only if you have the right skills and bring out the right people. Start by choosing something you're good at, or something you like, create an event: Pool Party, Dinner Party, Conferences, Talks,... It's your call!

Subscription box business: 

Start with a great subscription box idea then put a price in your subscription box. Set up your website, or Marketplace listing. Start taking orders and ship your subscription boxes.

Before putting hands in Selling online stuff, remember to choose:

• High demanded niches: This is my Article on How to Choose a Profitable Niche
• Products with a small packaging size
• Custom designs to have a great unique selling point for your business
• Easy to find wholesale or dropshipping suppliers online.

The importance of Online marketing:

If you recognize how online marketing works, you can reach up to many customers.

The first step of starting a web business (or any business) is by learning the fundamentals of online marketing. Today, nobody can survive without a web marketing strategy.

Hiring a marketing expert is often an option. But, if you've got the marketing skills you'll lay the inspiration to your business within the right way.

Advice:

before searching for a business idea, try learning a bit about online marketing. This will help you to come up with your own business idea.

Most of the startups fail thanks to the shortage of selling knowledge. I had to find out that in a hard way.  So, don’t make the same mistake. Start from learning online marketing, then believe the business idea.

Lbiinga

Getting Rich From Scratch

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What Everyone Ought To Know About Affiliate Marketing

Affiliate marketing is not just as easy as it seems to be, Creating a website and waiting for sales and commissions. Well, it's not AND money doesn't come that way.

In any business success - effort and commitment- is vital. So before you immerse yourself during this business- ask yourself whether you're willing to place in 100% effort and commitment.






“Affiliate marketing is the process of earning a commission by promoting other people's or company's products. you discover and choose a product you wish to sell to others and earn a bit of the profit for every sale that you simply make. Sound as easy right?

Well, technically not that easy because it sounds. you would like to be committed to finding out the steps towards becoming an Affiliate Marketer and most vital is to require action.

Here are some basic steps on how I got started :

I first tried learning from the internet but find it rather difficult to know. there are many videos on YouTube and it's hard to guess the real ones from gurus. therefore the next neatest thing I did was to enroll during a classroom program that guided me step-by-step on the way to start as an Affiliate Marketer.

So the initial investment was knowledge acquisition. to start out in any business, one got to put during a small investment initially - for nothing is free. But this investment has given me good returns indeed.

The program also required that I made a little investment in having a minimum of one name and an internet hosting account to be registered it must have a reputation and a site. 
For web hosting and name, there are many service providers to choose from like BlueHost; GoDaddy,  Namecheap, Freenom,...

You need to check-in for your auto-responder account to capture and store emails of your visitors who subscribed to your promotions. One thing to recollect is that both web hosting and auto-responder services require payment - but it's cheap.

You would like to spot your NICHE.

If you do not quite know what your niche is yet, here's some advice that you simply might find useful. And I have written an article on how to choose a profitable niche you can read it here How To Choose a Profitable Niche in Affiliate Marketing. Some key inquiries to ask yourself when determining your niche are:

•  What topics am I already passionate about? 
•  Is there money during this niche?
•  Is there enough interest in the demand for products during this niche? 
•  Are there affiliate programs available during this niche?

Choosing an affiliate program:

Choosing an affiliate program that caters to your chosen Niche will take some work. Put during a significant amount of your time into analyzing the program because this is often, of course, where your income will come from. 
How much commission are you likely to form from the products? Confirm your check-in for programs that are profitable and generate a good return in on the investment.
There are many Affiliate Programs for both physical products available within the market like Amazon Associate etc. and for digital products like ClickBank, ShareASale; Market Health.

You would like to check-in for a free membership before you'll start promoting their products.
The terms of the commission are going to be spelled out clearly by these programs.

Finally, once your site is prepared, it is time to make content for it. The content you create must be relevant to your niche but also interesting and interesting enough to stay your audience returning. 


Just get one among these to satisfy your basic need when creating this page to be uploaded to your website.

Then you would like to market your products by getting lots and much of the traffic to your products. There are free traffic method like through

•  Facebook Postings, 
•  YouTube Videos; 
•  Online Forums; 
•  Blogs 
•  Thru paid traffic like advertisements in FaceBook; Bing Ads or Solo ADs

So there you go, some basic information to urge started in Affiliate Marketing. The lure of affiliate marketing is undeniable; who can resist passive income? But to form that passive income happen, you've got need to put in some work first. The steps listed above are well…not passive. you would like to commit; take action and persevere to ascertain success.



Lbiinga 
Getting Rich From Scratch 

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Why does Bill Gates Live Like a Poor Person? More Facts To Know

Bill Gates will all know him, right? but does he really live a poor life? We don't think so; The man is simple, unbiased, aware,  interactive... He is a serious Burger lover.

He can very often be found at Burgermaster in Bellevue, Washington, where he lives, however, he was spotted at another local burger joint in Seattle.

A  photo of Mr. Gates was posted on Facebook which shows one of the richest men in the world, dressed down in simple jacket and pants, hands in his pockets and patiently waiting in line for his food.

Back in 2011, during an appearance at the University of Washington, Gates talked to the young adults about what being crazy rich is like.

"I can understand wanting to have millions of dollars, there's a certain freedom, meaningful freedom, that comes with that," he said. "But once you get much beyond that, I have to tell you, it's the same hamburger."

Let's take a look at what he's got?

His House - Xanadu 2.0

• His house cost $63 million to build
• 500-year old Douglas Fir trees were used for the timber
• Artwork can be changed at the click of a button
• The swimming pool plays music underwater
• Valuations of the house now range between $154 and $250 million

His Cars – Porsche 959

This car was limited to 300 copies.

And for a time - banned in the US — Due to vehicle safety restrictions.

With a lawyer, he managed to have the legislation changed and imported the car.

More Facts to know about Bill Gates?

• Bill Gates once released mosquitoes on people during a presentation on Malaria and said, “There’s no reason why only the poor should have this experience”

• Bill Gates distributed Leonardo da Vinci’s Codex hammer worth $ 30 million dollars for free

• He makes $ 250 per second. If he were a separate country, he would be the 37th richest country in the world

• According to Bill Gates, by 2035, there will be almost no poor countries left in the world.

• As of 2016, Bill Gates could give US$10 to every human being on Earth and still keep US$3 billion for himself.

In conclusion, just because Gates doesn’t spew out money like a peacock, doesn’t mean he lives like a poor man.

Lbiinga 

Getting Rich From Scratch

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This Article Will Make Your Holiday Season Amazing: Read Or Miss Out

It's The Holiday Season, and yet everybody has already started to use this period of time in its benefit. I'm going to talk about some meaningful ways to enjoy this season on its top!

It depends on how many days you have, how much you work you have, will you be present with your family or Alone. All this to determine your way to spend the Holiday Season on it's the best way. So I will talk first about how you can enjoy it and what makes this season special.
However, if you really want to work on the holiday, maybe on a side project or business, or even to put your college homework on track, I suggest you plan your holiday.

Plan your Holiday :

1. Reframe

Instead of thinking, "I have to go to this party, I have to get this gift, I have to decorate my tree," shift it to "I get to go to this party because I have amazing friends who want me around. I get to decorate this tree because it brings joy to my loved ones and me. I get to give this gift because I have loved ones in my life." Take on the attitude of abundance, gratefulness, and opportunity.

2. Goals and Intentions

Go into the season with clarity of intent. When we set realistic goals, we set ourselves up for success. My intention this year is to make the holiday more meaningful in whatever ways that resonate deeply with me. A few other ideas: spend more time with family, volunteer, or host an open house to celebrate with friends. Don't feel obligated to do any of these things -- it might be best to relax and take care of yourself during the holidays.

3. Reflection

Spend some time reflecting on holidays past. What are some of your best memories as a child? What are your favorite memories in adulthood? What made these moments so special to you? For me, as kids, my parents would load us into the car and play our favorite Christmas tapes. We would drive around "oohing" and "ahhing" at the colorful lights and yard decorations. So this year, I told my family we are going to load up and go look at Christmas lights. Not only is it an adventure filled with nostalgic, childlike wonder, but it's quality time with loved ones that cannot be replaced.

4. Traditions

Do you have traditions? What traditions can you create? One of my friends has a tree trimming party every year. Not only does it help him get his tree done, but it's also a great way to spend time with friends. He requests that each friend brings an ornament to put on the tree. Now each ornament represents a unique friend -- each ornament holds a story and will remind him of someone he cares deeply about. Another friend told me his family puts on a "decorate the gingerbread house" contest. Everyone brings different ingredients and materials, then they are split into teams and have one hour to decorate. At the end of that hour, the neighbors would come over to judge and award the winning team.

5. Being Present

When stressed it's usually because I am dwelling on the past or worried about the future. The simple practice of mindfulness brings me back to the present moment and as a result, eliminates stress. Also, when focused on being present we are able to fully engage with the magic of the moment and be aware of the joyful experiences we are having. Taking a few deep breaths is a sure-fire way to connect to the moment. Also, we can consciously witness our experiences by engaging the senses. What do we see, smell, hear, taste and touch?

6. Be the Light

I have a mantra that I try to live by and ask myself each day: Where can I bring light? Where can I bring love? It's an attitude I try to embody year-round, but it can definitely bring about added spirit to the holiday season. Start small: Say hello to a stranger, hold the door more often, say thank you to service providers. Even a simple smile can improve someone's day, so be conscious of the energy you bring.

7. Take Care of Yourself

Even with a holiday reframe, all of the activities of the season can still be draining. It's important that we take care of ourselves -- that we don't say yes to everything. We should make sure that we take time for our spiritual practices of mindfulness, prayer, and meditation. It's important to be conscious of what we put into our bodies and to eliminate stress through exercise and restful sleep.

Let's be conscious of the attitude and the energy that we bring as we embark on another holiday season. As we start to feel overwhelmed or stressed, we can merely shift our thoughts back to the true intent of the holidays. We can focus on sharing in the connection, the magic, and the joy that exists once we seek it.

And to finish this article, there are a few ideas of how you can become more productive during the holiday, I will start with a really simple, yet, counter-intuitive way:

• Try to spend more time with your family: For eg: Try to help your mom a bit in the kitchen or in other household chores. Play with your siblings. Have conversations about topics with a common interest with your dad.
• Visit holy places and places of historical significance or simply you can visit any place you haven't visited before: It will help you in developing religious sentiments and will make you proud of your country's cultural heritage. Visiting new places calms our mind and makes us happy.
• Take out more time for your hobby:  Whatever your hobby maybe give it more time than you usually do.
• Try out some new things: Things that you thought about doing or learning in the past but didn't get time. for eg: If you like music, you can learn to play the guitar or whichever musical instrument you like. Nowadays you don't even need a teacher. Youtube is there for you and many other self-learning sites too.
• Try to read some new novels, the autobiography of famous people, self-help books: It will increase your vocabulary as well as your knowledge and change your perception of life.
• Do meditation, exercise and keep yourself healthy: I always end up gaining some weight whenever I have long holidays and am staying in my home. We get lazy during this period and our alertness also decreases. Therefore, it becomes somewhat necessary to do exercise and meditation as during this period we cannot complain about our busy schedule and lack of time.

Lbiinga

Getting Rich From Scratch

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