Reason Seven: Lack of desire as a result of a poor attitude about acquiring wealth. A ba attitude has caused more personal problems than anything else. What we expect to happen usually does. Successful people are optimists, while unsuccessful people have a pessimistic attitude . Block out negative thoughts and stereotypes and mix with successful, positive people.

Reason Eight: Inadequate protection against unforeseen events, such as loss of a home due to natural disaster or death or disablement of bread winner. Adequate protection (insurance) against these events is vital to financial success. Not being properly covered has wiped out many potentially financially successful people.

Reason Nine: Lack of discipline. Most people find it difficult to save: it is easier to say yes than no. Those who lack discipline to say "no" will find financial success an impossible achievement. Many people are easily led by advertising and easy availability of credit.

Reason Ten: Procrastination. Many people put off a savings program until it is too late. Young people have a wonderful opportunity and advantage because they have time on their side. The reasons people give for not starting a savings program are varied, and many are genuine. People in their 20s are just getting started in life and want to enjoy themselves by spending on cars, stereos etc. People in their 30s have young families and mortgages. People in their 40s say things are tough with kids to put through college and unexpected medical expenses. By time people reach their 50s, it is too late: there's no time left to accumulate capital through magic of compound interest. A convenient time never comes.

So what better time to start on your road to financial success than

TODAY?

You must be able to show you've got a real winner. You must do it without fluff or a "come on, dream with me" embellishment. Therefore, you need a business plan. A good one that shows you've done your homework and know "lay of land."

Venture capital providers want to be sure their investment is sound. They generally do this by taking ownership over a pretty big part of company, and often require control of major portions of business. This is so they can look after their investment.

Do they mess around with little guy? On whole, they don't want to fool around with little investments and they are bully on companies that have high-growth potential. Gotta think big with these guys!

A few sites that help businesses and capital providers meet are vCapital.com, BusinessFinance.com, and vFinance.com.

==> Angels

An angel, or private investor, is a person looking for good investment vehicles. This person could be your next door neighbor, your dentist, or a local business owner. Overall, angels are not loan-makers, they are investors. As such, degree of control and terms under which you receive seed money for your business will depend on arrangement brokered between you and your angel.

The key to finding an angel in your area is networking. While you may not have an angel in your personal pool of contacts, by networking with others you can create a word of mouth campaign that reaches ears of private investors.

Moving outside of your local area, you can begin a sweeping search for private investors at BusinessFinance.com. They maintain a list of thousands of potential investors.

==> SBA Microloans

The Small Business Administration may be helpful in connecting you with a Microloan. These loans are administered by non-profit organizations that want to foster economic development in your area. Contact your regional SBA office for information on this loan program. You can find your local office using this online locator: http://www.sba.gov/regions/states.html

==> Small Business Investment Companies

The SBA or your local Chamber of Commerce may be aware of Small Business Investment Corporations operating in your area. These organizations are interested in reviving depressed portions of your community, bringing employment to places with high unemployment, or even helping certain minority groups. They will work with new businesses if you meet criteria they expect. You can visit American Economic Development Council for a list of organizations in your area: http://www.aedc.org/

==> Business Incubators

Business Incubators help build new businesses. They can provide help in all phases of start-up, including funding. Investigate whether or not an incubator exists in your area with SBA, Chamber of Commerce, local universities, or your local municipality.

==> Your Future Customers

Your future customers may be a source of money. This is a less conventional method, and your timing must be right to coordinate this type of deal. You simply take advance orders for your product and collect at time of order. If you take enough orders, you can search for a lending institution which makes loans against accounts receivable.

In final analysis, name of game is perseverance. Get your name and idea out there in real world. Start talking to people about your intent and become a player. Have your business plan ready, be aggressive, and you can get money you need.