From this moment on, I'll be talking about simple ways you and i can make, manage and multiply money. So if you continue following this thread you'll learn so many things you might have already have known. happy reading and following. the best way an individual can make money is by finding a need or a problem and provide a solution to that problem or need. if you divide human needs or wants into four which are as follows,
that needs of our body, the needs of our heart, the needs of our mind or knowledge and the needs of our soul or spiritual upliftment, than you can start thinking of the problems each of these four parts have. the body needs shelter, food to eat, clothes to wear and so many things. just sit down and think about other needs till next time.

1.1: THE HISTORY OF MONEY.

Money, they say makes the world go round. It can be used to get all the things an individual needs in life. People can do anything for money. We have even given it so many names like, dough, owo, kudi, ego, benjamins and so on and so forth.
What then is money? Money is an abstraction, idea, concept or token instances of which are the physical bills or coins which are carried and traded. The word "money" is believed to have originated from the Temple of Hera, located on one of the seven hills of Rome, called the Capitoline. The temple of Juno Moneta at Rome was the place where the mint of ancient Rome was located.
Before money was invented, people traded using the trade by barter system, were they exchanged goods and services of equal value. This system evolved into a unit of weight and currency called the "shekel", which was a specific weight of barley/wheat that was related to other values in measure with silver, bronze, copper and other precious metals. They were both weighed carefully on sensitive scales before an exchange of goods took place. Some other societies in the Americas, Asia and Australia used shell money in the shape of the cowry shell.
Money was first minted in the shape of coins in Lydia (modern day Turkey), around 650-600 BC. Some civilizations also used precious stones, glass, porcelain, enamel, beads and Manila (used during the slave trade) to represent money. Receipts later replaced commodity money as a means of payment and were used as money. They were redeemable for the commodity money deposited in the hands of money changers, tax collectors and bankers who came into the picture during the first century.
Paper money or bank notes were first used in China during the Song dynasty and used alongside coins but it did not displace commodity money. They were first issued in Europe by Stockholm Banco in 1661. The gold standard replaced the use of gold coins in the 17th-19th centuries in Europe and redemption into gold coins were discouraged. This was a monetary system, where the medium of exchange were paper notes that were convertible into preset, fixed quantities of gold.
After World War 2, at the Bretton Woods conference, most countries adopted fiat currencies that were fixed to the US dollar, which was in turn fixed to gold. But in 1971, the US government suspended the convertibility of the dollar to gold and other governments followed suite, de-pegging their currencies from the US dollar and which became unbacked by nothing except the governments' fiat of legal tender.

TYPES OF MONEY.

Money was and is still of three types, which are commodity money, representative money and fiat money.
COMMODITY MONEY.
This type of money was anything that had value and its value comes from the commodity out of which it was made of. The commodity was the money and the money was the commodity. Examples of commodity money include; gold, silver, copper, rice, salt, peppercorns, large stones, decorated belts, shells, alcohol, cigarettes, cannabis, candy, Manila etc.
REPRESENTATIVE MONEY.
This type of money consists of coins or certificates that can be exchanged for a fixed quantity of a commodity such as gold or silver. The value of representative money stood directly and in fixed relation to the commodity that backed it, while not itself being composed of that commodity e.g. bank notes or cheques.
FIAT MONEY.
This type of money or currency is money whose value or guarantee that it can be converted into a valuable commodity (such as gold). Instead, it has value only by government order (fiat). Usually, the government declares the fiat currency (notes and coins from a central bank) to be legal tender, making it unlawful not to accept the fiat currency as a means of repayment for all debts, public and private. Examples of fiat currencies are the naira, the dollar, the pound, the yen, the euro notes and so on.

FUNCTIONS OF MONEY.
Money is a matter of functions of four, which is as follows;
- A medium,
- A measure,
- A standard and,
- A store.
It functions as a medium (means) of exchange, a unit (measure) of account, a standard of deferred payments and a store of value. When money is used in the exchange of goods and services, it is performing a function as a medium of exchange. A unit of account is a set standard of measurement for the market value of goods, services and other transactions.
To act as a store of value, a commodity, money or financial capital needs to be reliably saved, stored and retrieved and still be useful when it is retrieved. Finally, money as a "standard of deferred payment" is an accepted means to settle a debt (money you owe someone else).

2. SIMPLE WAYS OF MAKING MONEY.
The easiest way for anybody to make money is to provide solutions to a problem or need. What then is a problem or need? A problem or need is a biological motive. The word "problem" means something that needs a solution. The word "need" means something that is required for the well being of an organism. For you to make money, you need to discover a need or problem and then think creatively on how to provide solutions to that need or problem. And the best way for you to do so is by asking people what problems they have. But you need to know what exactly you have a passion for even before you do so. You can do this by classifying human needs into four types.
According to the author, Steven Covey in his famous book, THE 8TH HABIT: FROM EFFECTIVENESS TO GREATNESS, human needs can be classified into four types which include the following;
- The body (means of survival),
- The mind (knowledge),
- The heart (relationships or acceptance),
- The soul (spirituality or legacy).
Humans and other living things need to eat or feed, shelter to protect themselves, clothes to wear, medication for good health etc. The human mind needs information to improve our means of living through the means of living through the means of education, information, transportation and communication, which all helps us to gain knowledge. Humans need others to accept and love them and do so in return. Finally, all humans want to leave a legacy or good name when they die or leave this world and they achieve this through spiritual means and good works.
When you now know the particular need you have a passion to provide a solution for, you then need to train yourself to gain a skill. A skill is an ability to use your knowledge effectively in getting things done or in providing solutions to a problem and there are three basic types of skills, which we can acquire and they as follows;

VOCATIONAL SKILL.
This type of skill is the skill you either have or develop by yourself, which is inborn, for example, drawing, singing, dancing etc or secondly, a skill you can either learn from somebody who has and has succeeded in using that skill and who can be either, a trader, a mechanic, a tailor etc. You do not need a school certificate or university degree to obtain this type of skill.

Internet Marketing Business is another money making platform, once you understand the concept of buying and selling on the internet, you will realize that online business is another lucrative venture you can go into to make money.

TERTIARY SKILL.
This type of skill is one which you learn in the four walls of a school or university. After you have been trained for the number of years required, you are given a certificate to show that you are really a master in your field of endeavor. Examples of tertiary skills include, a medical doctor, a nurse, an engineer, a lawyer, a food technologist, a biochemist etc.

ENTERPRENEURIAL SKILL.
This is the most important skill you should ever have. This type of skill will assist you in managing the two of skill will assist you in managing the two other skills you have, which are the vocational and tertiary skills. The reason why this skill is important is that it would teach you how to know what the problems or needs of people are, how to provide solutions to these problems or needs, by creating a product or service which would achieve this, how to make people know or learn about the solutions your offering and how to manage the money that comes in and goes out from the solutions you are offering.

Business people call this a business structure or system. This structure or system is made up of the following; marketing, which is the communications department; operations, which is the production, packaging and development department; finance/accounts, which is the money management department. Other important structures in a business include the auditing department, which helps you learning how your office equipments, stocks and funds are used and moved and the security department that helps you in securing your business outfit.

When you have gained any of the three above listed skills and have learnt how to organize your business, it is important you learn everything you can about your customer. You need to know who your customer is and why, when and how he or she purchases your products and services and you can do this by grouping them to meet their needs. Your customers can be grouped into the following groups;
Heavy or frequent users,
Age,
Gender (sex),
Family structure,
Social class and income,
Race and ethnicity,
Geography and location,
Lifestyles.
When you know all these things, it is important you put down your business idea or solution on paper in what we call a business plan.

@service giver, the most important reason, a business exists in the first place, is because it promised to provide service, to provide solutions to a problem and not to make profits. When that business provides solutions to that problem, then they business will grow and earn profits. Most businesses today are pure gangs of armed robbers. Look at the banks and oil companies in Nigeria.
For you to make money, it's not about knowing when and where you must get it, it about serving people and providing solutions to people's problems and those problems surround, your family, your neighbors and your society. Don't think about the money you'd make when you start, the money will come after.
HAPPY NEW YEAR EVERYBODY!!!!!!!!!!!

Any one who desires to make money this year 2013, should consider internet marketing as an option, believe me, this is the best alternative to the rate of unemployment in our country today.

Business is not just about making money, but, there is something that makes people beg you to collect their money in exchange for what you are offering. Its a concept, that is why,not every body succeeds in business. Those who succeed in business, have a way of knowing what the needs of their prospects are and how to deliver such! This in my opinion is the hallmark of any business man or woman.

PREPARING YOUR BUSINESS PLAN.
A lot of budding entrepreneurs or would be business people do not know what a business plan is. Two major reasons they do so is because they do not want to give out their ideas and financial information also they fund their business themselves. It is important for you to put down your idea, solution, product or services in a business plan, which is just a document that shows you how to run your business, sell, produce or offer your products and services and control the movement of money. Most importantly, it shows you how to manage your business when it fails.

BENEFITS OF A BUSINESS PLAN.
- It helps you to identify mistakes before you start your business,
- It helps you to focus on your targets, forecasts and realities of business problems and hurdles,
- It helps you to raise funds or a loan,
- It helps you to understand and react more quickly to problems,
- It helps you to sell yourself and your business ideas to potential investors.

CONTENTS OF A BUSINESS PLAN.
A simple business plan is made up of the following sections;

- BUSINESS SUMMARY.
You need to summarize the whole content of your business plan and this is the part or section a potential investor or partner will look at to quickly understand what type of business you want to venture into.

- VISION STATEMENT.
This section clearly defines your company or business organization, your vision, mission, objectives and keys to success or mistakes.

- PRODUCT/SERVICES DESCRIPTION.
This section describes the solution you intend to provide to a need or problem. It shows how you would manufacture your product, how and were you would get your raw materials, items needed to manufacture your product, in the case of your being a manufacturer. On the case of your being a service provider, it also clearly shows how you intend doing so and the items needed to provide the services and were you can purchase them.

- MARKETING STRATEGY.
This is one of the most important part of the plan in the sense that it shows how you would identify your customers, how you would group them to meet their needs and how to deliver your products and services to them. It shows you how to sell, advertise, publicize and promote your business to your target market.

- OPERATIONS STRATEGY.
This section shows you how your business is going to be run and who would run it. It shows you the means of communication from a vertical to horizontal level. It shows you who does what and how, who is charge of what and who reports to who and how. It also deals on litigation and labor matters and how you would manage the affairs of your business and would be staff or employees.

- FINANCIAL STRATEGY.
This section manages the movement of money in your business. It shows you the cost of doing your business, the projected or estimated income target for a number of years or months and when your business is likely to break even or make profit.

- EXIT STRATEGY.
This section shows you how you would refund those you borrowed money from. It shows you how you would sell your business if an investor or group of investors intend buying out the business from you. It also shows you how you would multiply your profit, what you intend doing with it and what you would do if any problem would arise in your business.

I must also stress that one needs to learn the ropes of any business before venturing into it, get all the information about the business you are going into. This you can do by asking those who are already in the business.

Once, this is done, take the bold step and lunch your business, never ever entertain the sprite of failure in your business, no matter what you are going through, just keep being positive. Success may not come over night, but, make sure you are learning from every experiences you are going through, keep tweaking here and there, until you uncover or develop a wining strategy.

This system is applicable in any business, be it online or offline.

The only thing that can make you to become successful in your life endeavors is PASSION. Let passion drive your business idea and you will succeed whether you like it or don't.

And passion stems from the inside, unfortunately, lots of people don't know how to channel their passion for good. Once you are able to channel your passion towards a good course, then you will achieve more in no time.