Do you sometimes get bored by the “blogosphere”? No matter what is the topic you read blogs on, most of them are all saying the same: Tips on how to do X and Y (tips that you know for years), “news” that you can read everywhere, contests, and same old talk. I don’t mean to offend you if you are a blogger - certainly there are some interesting reads and some very creative bloggers. But they are the minority.

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Creating your own business is one of the best investments you could do long term. A good business can sustain tough market times much better than the financial assets like stocks and mutual funds. The business can bring higher income than the investments in financial instruments or real estate.

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Unfortunately building your own business is much harder than investing in ready assets. Building a business may require a lot of time, passion, knowledge and startup funds. Finally, the chances for a new business to fail and end up as 100% loss are fairly big. And wait, building a business requires hard work - exactly the thing most people want to avoid.

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I had a dispute with people about frugality and business. Most people seemed to think that if you are successful in what you do you should spend a lot of money on items that can demonstrate your success. Many still think that if you want to make a business deal, get a good job or lucrative consulting contract you need to impress the other side with expensive car, cell phone or laptop.

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That’s so outdated. It’s not the cell phone that can impress your potential partners anymore (was that ever really working?). It’s Google* that can do it.

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Few weeks ago I got am interesting question on my mail. I’m publishing it here with the permission of the author. In fact his situation appeared a bit specific, so what I want to discuss here is only the general question from the first email:

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