(5) Five steps to invest money with the lowest possible level of risk and good potential for success

June 23, 2018

By Eddy Montilla.

Depending on the level of their finances, when it comes to investing, most people take one of these two paths: a high-risk, high-return investment environment or a low-investment, high-return method called lottery ticket. In both cases, they expect that by a stroke of amazing luck they will become rich. However, in most cases, they end up with different luck, something like the same as a turkey on Christmas. Let’s see some ideas that will not make you a millionaire overnight, but at least will put you on the right track and, above all, will keep you away from serious problems.

Step 1: Start with your own money (savings)

I still remember the day when brother told me that many Americans are rich because they use other people’s money to invest while they keep theirs at the bank. He is not wrong, but he is not right either because the United States also holds the dubious honor of being at the top of the list of countries by foreign debt (the total debt a country owes to foreign creditors), which means that someday, believe it or not and even though a lot of generations will have to pass first, that country will crash economically in a way that nobody would have imagined before.

If you are reading this, it is because you have neither the experience nor the certainty that you will succeed in investments. Then, why are you going to run the high risk of going into debt if you are not absolutely sure you will succeed? To take a loan for your first and new project of investment is tantamount to putting a dagger to your throat. Avoid problems and start your business with the things and savings that you have (few or many). If you win, it will be all yours, if you lose, the hit is painful, but you can survive. Besides, there are dozens of stories on Internet of rich people who started their business at their houses or with low investments, for example. Use them as role models.

Step 2: Make a gilt-edged investment all the time even though your profits could be very low

The main reason for which a lot of people failed in the past when investing was their lack of knowledge and information. Today, it is their lack of patience: They want to see profits on their first or second day after their investments of money. They get nervous after a week and are thrown into a panic a month later. This modern society policy on money has undoubtedly bad influence over this point and leads to mistakes since it pushes people to go for quick actions and very effective results in a short period of time.

In general, a gilt-edged investment provides low profits, but what is truly important is that you are winning and making money. Steady growth at a slow pace is dozens of times better than risky business decorated with promises of being rich overnight. Besides, the key is not the amount of money you get from certain business, but your ability to repeat dozens, hundreds or thousands of times the same or similar action (business) until you get your goal. One dollar might be meaningless for you, but it reaches a significant figure when it is multiplied by 1000.

Step 3: Invest in things related to needs

To go to a restaurant on weekends is something optional, but it does not turn out to be the same when the matter is to eat food, to drink water or to sleep with a roof over your head because these things are pressing needs. When you invest on them, you really have good chances to succeed. Depending on the amount of money you have to invest, you can go from a simple hot-dog stand, for example, to a small supermarket, from a room in your house to rent to apartments. Food and rent are and always will be two excellent markets to invest for a very simple reason: They are priority things.

Step 4: Invest in things you know well

Good investments are a matter of good administration and knowledge rather than like or preferences. We live in a society dominated by information and technology. However, the latter is just a platform. It is your ability to get the information you need to know the market in which you are investing and your ability to be the first in handling information related to buying and selling that tips the scales in favor of yourself.

Step 5: Adjust your budget for projects of investments to the profits coming from your business

You have probably read similar stories before: The small company is growing fast and it has decided to extend its radius of action by taking a loan. Things do not go well and now the company owes a debt that cannot pay. They’ll have to start now not form zero, but from minus because of the loan. To avoid such situations, any expansion of your business should be done by using some kind of special economic fund created from your profits.

Any investment is infallible in the same way that any business is risk-free. However, if you handle your investments in the way we explained above, you will be armored to resist any contingency. Finally, do not forget that to invest money with the only idea of being rich is as sad and useless as a dry river. Invest in things to make money and invest in happiness too by making the life of those who are working with or for you better and later, extend your generosity to others in need. Your happiness and somehow your money too, will grow for years.

This article was originally published in the digital newspaper World And Opinion.

Copyright 2018 littlethings4all.wordpress.com. All rights are reserved.


A good laugh: FBI

June 10, 2018

By Eddy Montilla.

“Hey, dad. I know what I am going to be when I grow up.” A kid says to his father with the result of his math test in his hands. “I’ll work for the FBI!”

“And how do you know that?” His father asks him.

“Look at my grades, the teacher got me the F already!”

Copyright 2018 littlethings4all.wordpress.com. All rights are reserved.

Curiosities: What is the size of the largest and smallest bones of the body and where they are?

June 9, 2018

By Eddy Montilla.

The human skeleton is composed of 270 bones at birth, but gradually, as we become an adult, this number decreases to 206. Among them, the femur (commonly known as thigh bone) is the largest, longest and probably strongest bone we have in our body and it goes from your hip to your knee. On average, it is 48 centimeters long (18.89 inches). In the opposite direction, the smallest (and lightest) bone is the stapes and it has an average length of 3 millimeters. It is located in the middle ear.

Copyright 2018 littlethings4all.wordpress.com. All rights are reserved.

Curiosities: Why are the muscles in the buttocks big?

June 8, 2018

By Eddy Montilla.

A naïve child would probably say that these three muscles we have in the buttocks are big to sit on a chair more comfortably while a silver-tongued man, far away from being naïve, would tell you with a dangerous smile that the reason is to make a woman look better. In both cases, their answers are wrong.

Any of the three muscles in each buttock is called gluteus. These three gluteal muscles (the gluteus maximus, gluteus medius, and the gluteus minimus) make up the buttocks. They work when you get up, walk, climb and run too and you basically have them for purpose. They are also very important to maintain our balance.

Copyright 2018 littlethings4all.wordpress.com. All rights are reserved.

Photo: By courtesy of movethelife under the criteria of Creative Commons (Flickr, 6-8-2018).

Curiosities: Do whales have teeth?

June 7, 2018

By Eddy Montilla.


When we see those images of a whale engulfing a large number of fish, the first impression that might come to your mind is that whales do not need and, therefore, don’t have teeth. Since it is not a good idea to try to open the mouth of a whale to know the answer, let’s get it here. The truth is that some whales have teeth and others do not, depending on the category to which they belong. On this aspect, whales are divided into two categories: toothed whales and baleen whales.

Toothed whales, as its name suggests, have teeth that are used to attack and hold their prey. The number of teeth can vary in a range from one to more than 200 hundred.

Baleen whales, however, do not have teeth. To capture their prey, these whales open their mouth and engulf water with all fish and other food that the water can bring to them. After that, with the help of their tongue, the expel the water out of their mouth while their food remains inside.

Copyright 2018 littlethings4all.wordpress.com. All rights are reserved.

A good laugh: a good piece of advice

June 6, 2018

By Eddy Montilla.

Explanatory Note: The following joke is a made-up story by the author with the sole purpose of providing fun for the readers. Therefore, it does not have the slightest intention of making fun of any person for his or her religious convictions.

“Instructor, my parachute does not open! Any suggestion?”

“Yes. Use your reserve parachute.”

“It doesn’t work either! I’m getting close to the ground. Any other suggestion?”

“Put your hand together and repeat after me: Our Father,
who art in heaven, hallowed be thy name…”

Copyright 2018 littlethings4all.wordpress.com. All rights are reserved.

Nicaragua: President Daniel Ortega should leave willingly or… not!

June 5, 2018

By Eddy Montilla.

National Palace of Nicaragua

The way Nicaraguan President Daniel Ortega has changed over the years exemplifies at its best how unchecked power for a long time ends up ruining the life or unmasking the intentions of those who always seemed to emerge from the temptation of corruption and injustice unscathed.

I was still a child, but with a vivid memory to be able to remember those afternoons when my father, listening to the news on his old radio, used to tell me how close the people of Nicaragua were day by day to overthrow the dictator Anastasio Somoza Debayle. My father, a real fighter for social justice, followed those moments full of hopes and told me about some Nicaraguan leaders like Edén Pastora (Commander Zero), the same Daniel Ortega and others. Today, when we look at this country, because of their dubious actions, from many of those leaders of the people of Nicaragua, what is left is sad memories, since there is nothing more pathetic than to see people who pretended to defend their nation in the past enriching themselves now at the expense of the life and health of the country’s inhabitants.

It is one of life’s little ironies that President Daniel Ortega fought during all his youth to overthrow the dictator Somoza, a man who was identified with injustice and oppressed his people, and now he is the one who turn himself into some kind of modern dictator and the one who should be overthrown. Ortega has done all things that Latin American dictators usually do to remain in power: To turn congressmen into servants of “Godfather” in order to reform the country’s Constitution and thus to push constitutional changes through Congress that ended presidential term limits, to appoint relatives to key posts (his wife is vice-president of the country) and so on.

Daniel Ortega has been in power since 2007. Nicaraguan protesters, above all students, refuse to back down since April and people have taken to the streets in nationwide protests, something that has been answered by the President’s group with brutal actions, which resulted in the death of more than 100 people.

The country’s highly respected Catholic Church, late as usual for these kinds of situations, has finally shown some sign of life in favor of the people. We only hope now that most Nicaraguan do not give in to Ortega’s repression and keep their protests until forcing him to call presidential elections once again for the good of the country because from dictators, history has shown us that we do not get anything good and Daniel Ortega belongs to that group.

This article was originally published in the digital newspaper World And Opinion.

Copyright 2018 littlethings4all.wordpress.com. All rights are reserved.

Photo: By courtesy of Zenia Núñez under the criteria of Creative Commons (Flickr, 6-5-2018).