Lack of, or absence of capital, is a common excuse among people who cannot go into business or invest for future income, although they are fully convinced that having their own business or investing in profitable ventures is the road to prosperity, or at least a source of supplemental income. Taking out loans to finance a business venture or to invest in the stock market is costly and risky. Costly because the investor is already saddled with interest payments even before the business takes off. Risky because very few businesses produce profits at the start; often, entrepreneurs usually strive to break even at first before thinking about making profits. Also, losses and even shutdowns are realities that would-be businessmen should consider. If loans are necessary to start a business, then these should be supplementary to "internal" funds, or the investors' own money. If the business loses or is closed, then the burden of paying creditors is not so heavy compared to a 100-...
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