I know people who bought the first floor “to invest”, but that is a floor that would not want to live. In this case, as the investment is made when the person has some money and security to get into a mortgage (in the case of Spain and can not be very young), it is possible that in a few years wants to move to their own home.

But as they do not want to live in the house they have bought and are paying a few years, have 3 options:

- Try to sell it to buy another
This leaves them at the mercy of the market. In the current situation, the housing market in Spain is completely stuck and you can spend months or years to sell or “bad” sell. “

- Trying to rent another house where they are at home, and rent which they do not like bought
This leaves them with a double risk. On the one hand that the owner of your rent the price rise or no longer want to rent, or that the tenant rent your house to stop and lose a few months looking for another tenant. Not to mention the risk that your tenant does not pay rent for several months.

- They will live at home reluctantly
In this situation, they are paying a monthly mortgage on a house you do not feel at ease.

In short, it is clear that if you want to invest in real estate should not be your first home, because in this case is an expense. In addition, you must have a high percentage of the purchase money, and know that you can use the money for the mortgage monthly for each year employed more than 10% to cover increases in the index.

Investing in a business

From my point of view, this investment that I believe is more constructive for society and for yourself. Also, I think is the most you can depend on you and not external factors.

In this case, the investment can be 3 types:

- Investments that require more effort than money

Are investments in terms of time and knowledge, but require little money. In today’s market there are several options for this type of investment, you just have to choose the one that suits oneself.

- Investments that require effort and even money

Let’s say you need to invest enough money, which in many cases it is necessary to borrow money, but also require time and effort of the investor. Are typical traditional business: a shop, a small consulting firm or consulting, etc..

- Investments that require more money than effort

Are very high economic investment, but business ideas of others and developed by others. The effort and expertise required at the commencement, in assessing the business opportunity, and when considering investment capital, the effort is done by others and only requires your periodic review. These investments are very high and a big risk but it can give you back a good return.

Personally, as I said above, my choice is the business investment. In my case I decided to invest my money, my time and my knowledge in a business that requires little investment and more effort. It is a business that I feel very comfortable, it helps me in my personal development and with which I am beginning to earn enough income for my living standards, especially because the revenues are being scalable over time.

I prefer a good quality of life, without heads or obligations of times, and a business to get a direct reward for my efforts and my business allows me.

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