Remember that money has the ability to multiply. Investing money in a bank

Law 10. Remember that real wealth is inside you, not

Choose clear and understandable habits Don't make habits into something unimaginably complex or too vague. Choose those that have clear and tangible boundaries. Therefore, do not make procrastination your worst habit, but the desire to become

3. Choose Your Practices You can now fill in the blank rows of the table with practices that you are willing to commit to. You can also remove or modify any of your current practices if they are outdated, ineffective or more

Chapter 1. Choose a Destination All successful people are not just conscientious, but even meticulous. Genius is the art of extraordinary diligence. All great achievements have been made possible thanks to exceptional diligence, thorough study

Benjamin Franklin

Do you friends know that the money you earn should work for you? I think that you guess about it, or you heard about it, that's why you got to this article. And you know what - you are lucky, because I will tell you about where it is profitable to invest money in our interesting time. Yes, we live in an interesting time, interesting because now the world is arranged in such a way that you can not work in it and at the same time it’s good, and sometimes just chic to live. Who does not work - he eats, such are our rules today. Well, if it is so, then why should you work for money, why shouldn't your money work for you, just as they work for other people?

In my opinion and in my opinion, effective investment of money is an art that needs to be learned. And anyone can learn this art, regardless of their basic knowledge. A person should be able to manage their money, and not just spend it. And in order to competently manage your money, they need to be invested in something, but not in everything, but in something that can bring good profits. And the smarter a person is, the more skillfully he manages his money, investing it in the most profitable investment instruments. He brings this art to such perfection that money becomes his obedient slaves. Look at most people - these cogs, whose whole life comes down to providing someone else with a beautiful life with their existence. They work, earn money, and then just spend it, spend it on everything that advertising imposes on them, which does not care about each of us. But why don't people spend money - on themselves, why don't they invest it in something that can bring them a good profit and at least partially save them from work? Mind is not enough? The fact of the matter is that you and I were not taught how to invest money, we were taught how to work hard for money, and now we are still taught to spend it thoughtlessly. And since you and I have not been taught to take care of our own good, then we must do it ourselves, it is we who must teach ourselves to live a life that is beneficial to ourselves, in which money will be our slaves, who will work day and night for us. Explore the ways I have presented in this article to invest money and, in your own discretion, use those that suit you best and you like best. I am sure that by paying due attention to this material, you will learn not only to spend your money, but also to invest it wisely, as all smart people do.

Investing money in a bank

One of the simplest and most popular types of investing money is investing money in a bank. In fact, it is difficult to call such an investment of money an investment, in the full sense of the word, since the income from it is very small, and sometimes it does not exist at all due to high inflation. Still, I think that our inflation is much higher, especially unofficial, than the interest on deposits that banks offer us. Therefore, it is impossible, I think, to profitably invest money in a bank, you can only choose the most profitable offers for bank deposits and, with their help, more or less protect your money from inflation. For inexperienced investors, this type of investment is perfect, because they don’t need to follow anything, they just took the money to the bank, signed the necessary papers and forgot about their money for a while. Some interest on this money will drip and it's good. A bank is more of a storehouse of money than a place to multiply it, of course, it will bring you some pennies, but in general, keeping money in a bank is not very profitable. Moreover, given the reliability, or rather the unreliability of our banks, in turbulent and unstable times it is better to keep money “under the pillow” in general, it will be calmer, and it is desirable to keep it in dollars, which do not depreciate as much as rubles depreciate. If you want to put your money in a bank at interest, then choose a large and well-known bank, partially owned by the state, and then the likelihood that it will go bankrupt or take away its license is minimal. I do not think that the state will allow a large bank to go bankrupt, through which the payments of state enterprises, organizations and most of the population pass. In general, banks are not the most profitable, but one of the most reliable investment tools, or better to say, places to store money. In the bank, friends, as mentioned above, you can save your money from at least official inflation.

Investments in foreign currency

At least friends, in order to save savings, you can invest your money in foreign currency - in US dollars and euros. As you can see, our native ruble cannot be trusted, unfortunately, the state devalues ​​it or, for objective reasons, it depreciates quite often and quite significantly. Of course, at one time the ruble behaved quite stably, but damn it, by God, it is very difficult to call this currency stable. As you can see, in 2014, the ruble very quickly lost more than half of its value against the dollar, and its real purchasing power decreased quite noticeably. And most of what we earned in previous years, due to the depreciation of the ruble and the inflation that followed, turned into dust. But imagine how the currency speculators who invested in the dollar and the euro profited. And how you could have profited from this business, and maybe you have profited, I don’t know, if you bought American and European currency before it rose in price. By the way, I warmed my hands on all this disgrace, but not very much, not like our banks. So investing in dollars and euros is beneficial, at least for their preservation, and as a maximum, for growth. You can buy foreign currency at an exchange office, or you can open a foreign currency deposit at a commercial bank or buy dollars and euros on foreign exchange markets. If you buy foreign currency in exchange offices, then you will lose some interest due to the difference in the rate of sale - purchase of currency. So this way of acquiring dollars and euros is not the most profitable. But opening a foreign currency deposit account in a commercial bank is a more reasonable option, because in addition to the fact that you will acquire foreign currency, you will also receive interest on the deposit. So, while in the bank, your dollars and euros will not lie dead weight, interest will drip on them. You should also not forget that by keeping money in the bank, you can protect them from theft, after all, who knows, suddenly someone finds out that a large amount of dollars is stored at your home and will solve them for you steal. This kind of thing happens in our lives. You can also buy foreign currency on the exchange, for which you need to perform certain actions (conclude an agreement with a broker company that has access to the currency exchange, open a special account, install a trading terminal on your computer). Thanks to these actions, you will be able to buy and sell foreign currency on favorable terms for you. The American dollar and the euro are the ones I recommend you deal with. Perhaps in the future, the yuan will be able to join them.

Investing money in real estate

Speaking about investing money, it is difficult to ignore such a popular type of investment among the people as investing money in real estate. Most people will answer your question “what to invest in” by pointing to real estate. It is she, darling, that immediately comes to mind for all of us. But you can invest money in real estate in different ways, you can invest it for the purpose of saving, for example, by buying an apartment for rent, or you can increase it with the help of real estate. If you consider real estate as an investment vehicle, which I recommend you do, then many of you will not be easy to increase your money with it. You will definitely need certain knowledge and experience, without which it is risky to deal with real estate. Well, imagine that you could buy an apartment or a piece of land at one price and resell it at a different, higher price. Can you pull off such a deal? Considering that not many people do this, I think not, not all of you will be able to buy property cheaply and sell it dearly. In addition, the purchase of real estate requires money - a fairly large initial capital. And not everyone has it. Of course, you can invest in real estate with borrowed funds, but here it is all the more necessary to have great knowledge, experience and, in some cases, even connections. Do not think that this type of activity is not used by anyone to make money, this glade has long been divided, so it will not be easy for a beginner to fit into it, but it is possible. It is very profitable to invest money in luxury housing, the return on it can be the greatest, unless, of course, you buy real estate at the “excavation” stage, that is, at the moment when it is just starting to be built, and its price is minimal. In general, when buying a property, you should pay attention to many things. You must take into account the infrastructure of the area in which you buy property, you must take into account its future, you should also pay serious attention to the developer so that everything is in order with him, and many other things should be paid attention to, as they say, not to fly. The easiest way to make money with real estate is to buy an apartment or room and rent it out. Is it bad to have a regular income by renting out an apartment, by the way, you can even live on such income. In general, real estate is real estate - there will always be a demand for it. I will return to this topic, to the topic of real estate, in my future articles, after all, at one time I was quite actively involved in it, so I have something to tell you about this type of investment.

Investing money in securities

In order to invest money in securities, a person needs, or, in any case, it is desirable to have a special education, because without the necessary professionalism and skills one cannot succeed in this business. You can, of course, trust a professional manager who will do everything for you - buy and sell securities, but you know what friends, I may be old-fashioned, but the very idea of ​​\u200b\u200btrusting my money to another person seems to me frivolous. Personally, I do not want to trust anyone, for the life of me. Therefore, from my point of view, if you yourself do not understand something, it is better for you not to meddle in this something, especially if it is something related to money. However, boys in expensive suits, whose mouth never closes for a second, will eloquently convince you of the need to entrust them with your money, because it is their job to hit your ears. So, with regard to securities, if we are talking about “investing in shares”, then in this case, investing in shares is carried out for the medium / long term, with the expectation of an increase in the price of those securities that you purchase. If we are talking about “trading shares in the stock market” via the Internet, then we are already talking about making a profit from changes in stock prices, mainly in the short term, when their price rises or falls. In this case, we are not talking about investing in securities, but about speculating with them. In both cases, you can get a very good income from investing money in securities. There are examples when the shares of some companies grew in price by ten or more times in a short period of time, but you know, such examples are rare. In general, this investment tool can be called promising, since there are more people in this type of activity, and if there are people in some type of activity, then there will be money in it. But in order to make money on stocks, you need to understand the intricacies of this business, which you can learn, including on the Internet, if you wish.

Investing in precious metals

If you pay attention to the fact that some countries are actively buying up precious metals, especially gold, in particular China is doing this, then you can come to the conclusion that ordinary people can and should invest in precious metals, because their value is likely to be grow, or at least it won't fall. Basically, money is invested in such metals as: silver, gold, platinum, palladium. I believe that gold is the best option, people have always appreciated it and will appreciate it, because gold, it is beautiful, it also shines like cat eyes, rip it to the left. To invest in gold, you can - purchase gold bars in a bank by paying a 13% tax, you can purchase precious coins, you can purchase gold-backed securities through stock exchanges, and you can also open an unallocated metal account (OMA) - this is an account, in which metals act as currency. It’s up to you to decide which option to choose, but if you want to invest in precious metals for the long term, then in my opinion, armed with experience, it’s better to buy something real, for example, gold coins, as I did. Well, for trading in precious metals, that is, for speculation, all these papers backed by gold, the value of which is conditional, are quite suitable, do not forget about it. However, as Kozma Prutkov noted, the value of everything is conditional, but it’s still one thing when you have real gold in your hands, and it’s quite another when you have some papers in a safe that can lose their value at any moment. However, investing in precious metals is a good idea. I recommend that you pay attention to her.

Investing money in business

And this is one of my favorite ways to invest money, which I trade to this day. Investing in, first of all, your own business is interesting and profitable, unless, of course, we are talking about a normal business, and not about some scam shit. Investing in a business is a very profitable investment, but at the same time it is quite risky, because who the hell knows whether a new business will work or not, there are no guarantees in business. I believe that the main thing is that the business should be thoughtful, and not some naive nonsense that only young people who have not experienced it can believe in. I prefer to invest in my own business, or in a business that will be partially owned by me. Why? Yes, because trusting your money to some jerk who decided to become a super businessman, with the help of my or your money, is throwing it into a bottomless pit. A hundred poods of your money, all these novice businessmen will simply be wasted, unless you control them, and personally I have no time to control someone there, I'd rather control myself. Therefore, it’s so easy to give someone money so that he “properly” disposes of it and creates a profitable business - this is a bad idea, a very bad one. People are healthy to spend other people's money, in this case they do not consider it at all. In general, of all investment instruments, business is one of the most highly profitable, and if you invest in it correctly, the return can be very large. You can create both online and offline business, depending on what is closer to you. Personally, I prefer online business, although until some time I did not understand a damn thing about it. This business is the future, I am absolutely sure of it, so I would rather create some kind of website, or a group on a social network, or invest in a CPA business, than I will open a regular store, company, or some agency that will bring me more headache than good. Investing in a business is not only profitable, but also interesting, because any business is like a child, it needs to go out, educate, train, adapt to the harsh reality, so that later it will fairly thank you for your efforts.

Investing money in PAMM accounts

Finally, friends, I left for you a very interesting way of investing money, which was once tested by me personally and remains in my field of attention to this day. We are talking about investing money in PAMM accounts. The Forex market provides us with such an opportunity, in which, as you probably already know from my previous articles, you can earn a lot of money, but on the condition that you are well versed in this matter. Personally, I never wanted to delve into all these damn charts, into all these subtleties associated with the Forex market, I’m damn it, not a chicken - peck grains, it’s important for me to invest money and make a profit, and not mess around with all these charts, doing technical and fundamental analysis. Let mathematicians tinker with numbers, this is their element, but I prefer to act on a larger scale, so at one time I quit Forex trading and switched to PAMM accounts. If you, like me, do not want to trade on Forex yourself, then it will be useful for you to pay attention to this way of investing money. And its meaning lies in the fact that you trust your money to professional traders, that is, those dudes who trade on Forex through brokers. You say, again I'm talking about trust, that is, about not the smartest way to manage your money. Yes, friends, in this case, you and I will have to trust the trader, because there is nothing else left. It's like with a dentist, you like it or not, but you need to trust him in order to cure your teeth. To date, investments in PAMM accounts are the most affordable for most people. You do not need to have a lot of money to open a PAMM account, you just need to choose a suitable PAMM broker, go through a simple registration procedure, transfer money to a brokerage account and choose a managing trader who will trade both his own and your money. The last - the most difficult, that is, the most difficult - is to choose a manager who will be the horse on which you put your money. Some traders can multiply your and their money by twenty percent in a month, others will lose everything in a few days, upsetting you, other investors, and of course themselves. So traders need to look very carefully and not trust their money to just anyone. Soon friends, soon I will write everything about PAMM accounts, having collected the experience of all the investors I know who earn good money on this business. They will definitely share their experience with me, and I will quietly tell you about the chips they use, so that you can also earn money by investing in PAMM accounts. Still, why be greedy, Forex is available to everyone, and only a few earn on it - this is unfair. As for me, I earn a little on PAMM accounts, because I pay little attention to this type of earnings. You have to constantly monitor these managers, withdrawing your money from their accounts in time, if they start to get stupid, this is not a bank for you - you took the money and forgot it, control is needed here. And I have more important things to do in life, so I rarely make money on PAMM accounts, and mostly because of interest, and not because of money. But this topic is sensible, especially for those of you who want to increase their money, but do not want to do anything themselves. In general, investing in PAMM accounts is a great idea. Just do not forget about the risks, nevertheless, trusting your money to other people, you are already taking risks, not to mention who exactly and for what purposes you trust them. We have a lot of intelligent traders, but they are not magicians, today they are trading well, tomorrow they can lose everything, Forex is Forex, this market does not give any guarantees to anyone.

Friends, I told you about those ways of investing money that are by far the most popular and most effective. There are thousands of other interesting ways to invest money, which are also quite profitable, which I will definitely tell you about in my future articles. The main thing - do not let this thought out of your head, which tells you that money should work for you! You don't have to plow like hell for them, but they have to work for you and for you. It's a hell of a good idea that you need to develop from articles like this one and your own thinking. I must say right away that it is not easy to make money work for yourself, it requires willpower and developed brains. One should not think that the whole point is that a person has a desire - to invest his money in something, they say, he decided to invest and that's it, then everything will work out by itself. This is not so, you need to think about it, no one will simply increase your money for you, you will definitely need to delve into all the methods of investing money that exist today. And don't believe those wise men who tell you tales that they multiply their money without much hassle and are ready to do the same with your money, because the only thing they can do with your money is to take it from you. All these seemingly rich and successful investors, in expensive suits and beautiful cars, know everything about investing money, but all of them, rich and successful, for some reason need your money.

So do not hang your ears, do not believe those who look rich and successful, because such people are the most skillful liars. Don't trust a man in a tie, as shown in the show "Culture in Decline", trust your mind, not your damn heart, but your mind. Money needs to be invested, and you have such an opportunity today, but this needs to be learned. So learn - learn to invest money and invest it, let it work for you. Otherwise, you will work for them all your life until you grow old and wear out, after which you will be thrown into the trash, like an old refrigerator. Make money work for you, and then you will see a real, free life, and not that slavish life in which you have to constantly work in the sweat of your brow in order to get your daily bread with hard work.

Benjamin Franklin is a bright and interesting person. Politician, inventor, writer - this is not the whole list of those roles that were inherent in this person. Benjamin Franklin did not stand in one place, he constantly improved himself and had his own views on life.

What makes a person a leader?
What makes a person successful?
What makes a person happy?
Intelligence? - Yes! Passion? - Yes! Strength? - Yes! Devotion? - Yes! Charisma? - Yes! Tenacity? - Yes! persistence? - Yes! Generosity? - Yes! The ability to forgive? - Yes!

Benjamin Franklin possessed all these qualities, which is why he is one of the greatest minds not only in America, but in the whole world. He seems to embody and personify the dreams of his people. Many wondered how the son of a simple craftsman who made candles could master so much knowledge and become a Master in many branches of human knowledge. His example proves that everyone can achieve success.

Franklin is probably the most talented person in American history. His accomplishments are so varied and numerous that it would be impossible to list them all.

The story of Benjamin Franklin is the story of a man who achieved everything in his life on his own, went from a dropout to a famous scientist. His portrait is placed on the hundred dollar bill.

Benjamin Franklin was born on January 17, 1706 in Boston, Massachusetts. In the family, besides him, there were 16 more children. Franklin went to school, but his father could not pay for his full course of study, so when Benjamin was 10 years old, he began working in a printing house and a candle making workshop.

In 1727 he organized his own printing house, which published the Pennsylvania Gazette and Poor Richard's Almanac. He independently learned several European languages, as well as Latin. Interested in the phenomenon of electricity, he began to study it and made several inventions, many of which are still used today. It's a lightning rod, bifocals, an electric fuse.

Franklin opened the first public library in the United States, founded the American Philosophical Society and the University of Pennsylvania. He was the originator of the idea of ​​summer time. Franklin's scientific merits were recognized by scientists; he was elected an honorary member of several foreign academies, including the St. Petersburg Academy of Sciences.

Franklin is also known for his diplomatic work in London (1757-1775) and Paris (1776-1785), where he contributed to strengthening the international position of the United States - with his assistance and participation, the American-French Treaty of Alliance (1778) and the Treaty of Versailles (1783) were concluded. ), according to which Great Britain recognized the independence of the United States.

In 1785 he became president of the Pennsylvania Legislature. Franklin is one of the authors of the 1787 US Constitution.

Benjamin Franklin owns a number of popular aphorisms, the most famous of which are "Time is money", "Do not put off until tomorrow what you can do today" and "If you want to sleep well, take a good conscience with you to bed."

Having earned enough, he retired at the age of 42. This allowed him to work for the soul and made it possible to invent, implement his ideas and revolutionary projects. He also successfully published and marketed Poor Richard's Almanac, a wealth of useful material on health and fitness, nutrition, and success.

Benjamin Franklin lived a long and productive life and died on April 17, 1790 in Philadelphia.


Quotes and aphorisms

Knowledge is of two kinds. We ourselves know the subject or we know where to find information about it.

Wealth mainly depends on two things: diligence and moderation, in other words - do not waste either time or money, and use both to the best of your ability.

A big empire, like a big pie, is most easily eaten from the edges.

Marriage without love is fraught with love without marriage.

A brother may not be a friend, but a friend is always a brother.

Be polite to all, sociable to many, familiar to some.

In whatever situation people may be, they can always find comfort and inconvenience.

In this world, only death and taxes are inevitable.

A great man usually destroys himself.

Of all our natural passions, pride is perhaps the hardest to break; no matter how you disguise it, no matter how you fight it, souls, kill it - it still lives and from time to time breaks through and shows itself.

Easy to see, hard to predict.

Delight is the child of ignorance.

Time is the fabric that life is made of.

The whole advantage of having money lies in the ability to use it.

All philosophers are wise in their maxims and fools in their conduct.

Choose a friend slowly, even less hurry to change him.

Pride that dines with vanity gets scorn for supper.

Keep your eyes wide before the wedding and close them after.

If scammers knew all the benefits of honesty, they would stop cheating for the sake of profit.

If time is the most precious thing, then wasting time is the greatest waste.

If you pour the contents of your wallet into your head, no one will take it away from you.

If you want to be always pleased, serve yourself.

If you want to be rich, learn not only to earn, but also to be economical.

If you want to get rid of a guest who bothers you with his visits, lend him money.

If you want to have leisure, don't waste your time.

If you want to sleep soundly, take a clear conscience to bed with you.

If you want to prolong your life, shorten your meals.

Shutting a fool's throat is impolite, but allowing him to continue is simply cruel.

Of all medicines, rest and abstinence are the best.

Loafers rarely visit a busy person - flies do not fly to a boiling pot.

A cat with gloves won't catch a mouse.

Beauty without kindness dies unclaimed.

Creditors have a better memory than debtors.

Whoever buys the excess ends up selling what is needed.

He who stirs up the flames of quarrel and rolls firebrands should not complain if sparks fall into his face.

Who has deceived you so often as you yourself?

It is easier to suppress the first desire in yourself than to satisfy all subsequent ones.

Laziness is the rust of the mind and body; the key, which is often used, always shines like new.

Laziness makes everything difficult.

Laziness drags along so slowly that poverty quickly catches up with it.

Laziness, like rust, corrodes faster than labor wears out.

Do you love life? Then don't waste your time; for time is the fabric of which life is made.

There are no small enemies.

A master at making excuses is rarely a master at anything else.

Mine is better than ours.

We eat for our own pleasure, we dress for the pleasure of others.

We call them savages because their manners differ from ours, which we consider the height of courtesy; they think the same about their morals.

Soft laws are rarely obeyed, harsh laws are rarely enforced.

True honor is the decision to do, under all circumstances, what is beneficial to the majority of people.

Not correcting a mistake, but persevering in it, brings down the honor of any person or organization of people.

Not to watch the workers is to leave your wallet open to them.

You can't help someone who doesn't want to listen to advice.

Never expect trouble and worry about what may never happen.

Nothing dishonest can be truly beneficent.

One move equals three fires.

Experience is a school where lessons are expensive, but it is the only school where one can learn.

Those who are absent always remain guilty; those present always have the opportunity to justify themselves.

Patriotism is the last refuge of a scoundrel.

Whoever sacrifices freedom for security deserves neither freedom nor security.

Remember that money has the ability to multiply.

Force your own work; don't wait for her to force you.

Since you are not sure even for one minute, do not waste even one hour.

Before consulting a whim, consult your wallet.

Let the child's first lesson be obedience. Then the second can be what you consider necessary.

Debauchery breakfasts with Wealth, lunches with Poverty, suppers with Poverty, and goes to bed with Shame.

Since people learned how to cook their food, they have been eating twice as much as nature requires.

Free peoples must tirelessly and with zealous vigilance guard their freedom.

He who is patient is able to achieve whatever he wants.

What cannot be corrected should not be lamented.

Trade has not yet ruined a single people.

He who waits for good luck never knows if he will have dinner tonight.

Spend less than you earn - that's the philosopher's stone.

Sobriety puts firewood in the stove, meat in a pan, bread on the table, credit to the state, money to the wallet, strength to the body, clothes to the back, mind to the head, contentment to the family.

Labor is the father of happiness.

It is difficult to imagine what power man can acquire over matter.

Fatigue is the best pillow.

Teach your children to be silent. They will learn to speak on their own.

The master's eye will do more than both hands.

The bachelor is an unfinished being, he is like half a pair of scissors.

Man is an animal that makes tools.

Man lives not by what he eats, but by what he digests. This position is just as true for the mind as it is for the body.

A man is sometimes more generous when he has little money than when he has a lot; maybe to keep from thinking that he doesn't have them at all...

What started in anger ends in shame.

To be satisfied with one's position, one must compare it with a worse position.

I will not speak badly about anyone, but I will tell all the good things that I know about everyone.

Those who live in hope risk dying of starvation.

If you buy what you don't need, you will soon be selling what you need.

If you want to know the shortcomings of a girl, praise her in front of her friends.

Don't put off until tomorrow what you can do today.

At twenty years old, desire dominates a person, at thirty years old - reason, at forty years old - reason.

Proud people hate pride in other people.

One today is worth two tomorrow.

Anger always has a reason, but rarely good enough.

He is badly brought up who does not tolerate bad education in others.

Blessed is he who expects nothing, for he will never be disappointed.

Multiplying wealth multiplies care.

The states of people are not equal, because people received different abilities from nature, and even more so because they managed to use these abilities in different ways.

"School of Life" Benjamin Franklin

Here are the lessons from Franklin's School of Life:

Lesson 1. Franklin said, "There is no achievement without pain."

Why is he right? Physical training causes microscopic "tears" in the muscles. Muscles increase and get stronger during your rest. So the pain is a likely result of these “tears” and inflammation of the muscles. But you must know the difference between good and bad pain. If you feel after your workout that the pain is "bad", then stop exercising for 2 days. If the pain continues, see a doctor.

Lesson 2 Franklin said, "The doctor is the best one who knows that most drugs are useless."

Why is he right? Beware of a doctor who is "addicted" to antibiotics. According to the Vincenza Snow study, 75% of all antibiotics prescribed for the treatment of respiratory infections of the upper respiratory tract are not required. Physicians often give in to patient demands, are limited in time, and are confused about when antibiotics are actually needed.

Lesson 3. Franklin said: “Early going to bed and early rising makes a person healthy, rich and wise.”

(in Russia they say: “He who gets up early, God gives him”).
Why is he right? Researchers at the University of California/San Diego School of Medicine found that getting up early raises luteinizing hormone (LH) levels by 70%. LH is involved in the production of testosterone, a hormone that helps build fat-free muscle and elevates mood.

Lesson 4. Franklin said: "There cannot be a good life where there is no good drink" (as they say in Russia: "Because without water - neither there nor here").

Why is he right? Drinking water is a very important factor in health and life! Our body, all the systems of our body depend on water and work better if we drink good and clean water.

Lesson 5. Franklin said, "Don't say bad things, but only say good things about everyone you know" and "Any fool can criticize, condemn, and complain, and most fools do just that."

Why is he right? Nobody likes criticism. Criticism causes negative feelings of tension, resentment and humiliation. When communicating with people, we must take into account that each person has a sense of pride, is full of various prejudices and vanity.

Lesson 6 Franklin said, "Let your eyes be wide open before marriage, and half closed afterwards."

Why is he right? Premarital discussions about money, children, sex, religion can help young couples in their future family life, says Al Cooper, Ph.D. In marriage, accept her / his individual characteristics, live in harmony. Don't notice or criticize her/his annoying habits.

(in Russia they say: “A full belly is deaf to learning”).
Why is he right? Stomach acid is needed by a food-laden stomach to metabolize protein-fat-carbohydrates, which changes blood pH and causes temporary brain dullness, says Philip Miner, MD of the Oklahoma Foundation for Digestive Research.

Lesson 9 Franklin said, "Time is money."

Why is he right? A mathematical formula developed by Ian Walker, professor of economics at Central England's Warwick University, shows that time is indeed money. He claims to be able to visually show people how their time is related to any task they perform, from staying in bed late in the morning and preparing food to sleep or work.

Benjamin Franklin also said:
"If you do not want to be forgotten immediately after death - either write something worth reading, or do something worthy of recording."

People have not forgotten Franklin because he did both. He lived in accordance with this wisdom: he created as best he could, and even more. And, as we can see, the lessons of old Ben are still relevant even in our digital today ...

From the social science course, I know that money is a special kind of commodity that serves as an equivalent for all other goods and services. Functions of money: 1) a measure of value, 2) a means of circulation, 3) a means of accumulation, 4) a means of payment, 5) world money. Properties of money: 1) Use value, 2) Exchange value, 3) Cost. Money is able to turn into goods and services, this ability is called liquidity. Goods can be sold through domestic and foreign trade.

By selling goods profitably, the seller makes a profit, which means that the amount of money he has increases. It is also possible to make a deposit in a bank at a certain percentage and after a while to withdraw the entire invested amount with interest. Some people are engaged in entrepreneurship - an initiative, independent activity carried out at their own peril and risk in order to make a profit. Types of business: industrial, commercial, financial, insurance, intermediary. But in addition to entrepreneurship, it is possible to receive additional income by investing money in securities or in foreign currency; You can also invest in precious metals and stones. As we can see, there are many ways to use money rationally in order to increase its quantity.

The history of modern society confirms my position. In 2009, while studying at the university, a Norwegian student Christopher Koch wrote a thesis on cryptography. Studying the scope of its application, he accidentally stumbled upon the recently appeared virtual currency bitcoin. For the purposes of the experiment, he exchanged $27 for 5,000 digital "coins". After that, safely forgot about them for several years. In the spring of 2013, when the news about the huge rise in the popularity of bitcoin began to appear in all the media, Christopher remembered his old investment and decided to check the status of the electronic wallet. A young man discovered that due to the rise in the price of bitcoin, his 27 dollars turned into 886,000! And at the current exchange rate, this amount is equal to 2 million dollars. That. a prudent investment of money has allowed them to secure their livelihood for a long time.

The literature also confirms my position. So in the work of A.P. Chekhov "The History of an Enterprise", Andrei Sidorov inherited 4,000 rubles from his mother and opened a store with this money. By selecting the right assortment of goods according to the desires of customers, in a few years he became one of the most prominent merchants in the city with a large fortune.