Other than beauty enhancements mainly targeted at women, the other that competes for most attention is how to make a fortune from investments. Mostly, both come a cropper for the man in the street, despite all the hype & hard sell. There are also many desperate attempts to become millionaires by writing books on that subject itself; how to become one! Money is lost by the majority in seeking out easy way to make it; a hard fact of life. With technology, the gullible is snared from everywhere & one can assume many operate from the comfort of homes or even internet cafes! The bottom line is; more fools are parted of their meager resources! Those without conscience, of course, hardly bother.
The ways of entrapment is myriad; but on weak moments even the wise fall prey. With the reach of the internet, the investments to net the gullible are next to nothing & even if one in thousand is trapped, the returns would be reward enough for those in the game. Some approaches even tug at the heart-strings, making appeals for treatment of those close to dying; what a way to make living!
The harsh world of finance will reward only those with the ability to spot the opportunities & make quick exits in dire times. Despite the advice of some to stay for the long haul, the increasing gyrations in prices would create wealth only for those who have the resources to invest when the markets are the pits. Most retail investors lose out, enriching the pockets of those already loaded! The news of successes are paraded, but those who bite the dust are left to rue their luck on their own, even the families desert them; none wants to associate with a loser; mostly those more trusting – another hard fact of life!
While portfolio diversification is touted as an insurance against losing all, most do not have that luxury to make choices. Depending on others with supposed expertise is no insurance that funds are safe! Generally, the experts & relationship managers jump ship at the drop of a hat, especially in times of market distress! The big institutions are more inclined to hear out & make good the losses for the wealthy than for those whose voices hardly matter or do not have the resources to fight their cases.
The safer way for the ordinary Joe seems to be to invest in himself in education & upgrading of skills, to keep-up with the advances in technology, to stay employable as long as need be. Of course, for some with the drive, it is better to become self-employed; at least, to know their real worth & make course corrections along the way. The jobs landscape changes but the basics of hard-work, work ethics, being a team player etc., can be developed, if not inborn, and add to it the realization that no one owes us a living.
The governments, even in developed countries, are struggling with accumulated debts, then what about those in poorer countries where some leaders loot the riches of the land! The redeeming factor is those from poorer countries are aware that they have none to look-up for in times of any need & the hunger, resourcefulness & capacity to squeeze blood out of even stone is more by way of necessity.
The dream merchants can only sell their dreams, but the reality for the poor is they have only themselves to depend on, at the end of the day! As long as one realizes this basic fact of life, we can get by, facing whatever life throws at us on a daily basis. In a way, the poor are blessed, the rich cannot adjust to poverty, but the poor knows that good times would also pass, just fleeting moments, in lives full of challenges & uncertainties that make them worth the while! The reward from hard work is sweeter at the end of the day; rather than living off the riches or from speculation. The journey of life is more varied for those who build it on their own, brick-by-brick!