As has been stated, down payment on a business can be anywhere from 25% to 100% of selling price. Lenders will not lend you this down payment money on business itself. You will usually need to get this money from other sources, such as your personal savings, a family member, a retirement plan or other.

While we may have always had dreams of a retirement that is worry-free and with a few luxuries thrown in, stark reality is that our pensions will likely give us only most basic living conditions, with none of luxuries we had hoped for.

Whether your retirement is thirty years away, ten years away or is already upon you, best guarantee of a happy future is to start building a second stream of income now.

For some this will mean creating their own business and marketing some product or service in hope of making some big profits.

However, many of us don’t have skills or time to manage such an ambitious undertaking.

But we do have time to write.

If you have skills to write a letter or a simple company memo, then you have skills to make some money by writing.