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You are right. But why can't you borrow more money? Borrowing money is an art. If you can borrow 1 billion. You can really make a living by borrowing money then returning it. There are a lot to play with the APR of the loan and mortgage.

There are two things to sell, goods or services. You have to sell either something people can use or provide people some service. One obvious service any people own a website is advertisement. Everyone can put advertisement on their web. By doing so, they are providing a service--advertisement.

Money is so important that we almost can not live without it. But how do we make money? Not everybody know how to make money. Most people know to find a job and earn paychecks. But that is not a smart way to make money. None rich people live their lives paycheck by paycheck. Most rich people have their own business.

It is said there is no free lunch. That is exactly right. There is nothing absolutely free. But with the internet, you can really get free stuff. Everybody know that you can get free information. Some people may say information is nothing. But they will soon be proved wrong. Information is money. Half step quicker in getting the information may make you rich. Thus, there is some free lunch on the net. But it is not absolutely free. It takes your time, your brain and even your invest.

And let us arise, and go up to Bethel; and I will make there an altar unto God, who answered me in the day of my distress, and was with me in the way which I went.

We all know APR is the most important factor in a loan. But that are also some other factors are important. Do you know that some loan are compounded daily instead of monthly? That will make a big difference under the same APR.

To make money, everything is sale. You have to sell something to make money. Otherwise you will not get paid. Some people don't like sales because they don't like salesman. But they don't notice that the reason they get their paychecks is they sell their work or labor.

Usually buying real estate have a less probability to lose money. But it does not mean your money will definitely grow. Even your money did grow, it is not necessarily grows as the way you expected. Putting your money in the smart place is what money management all about.

And they gave unto Jacob all the strange gods which were in their hand, and all their earrings which were in their ears; and Jacob hid them under the oak which was by Shechem.

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