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It sounds as though you have a number of interests in life and that you are keen to start a career.
A real favourite expression of mine comes from the film Patch Adams apparently quoted from Mendelssohn that you should focus on the solution not the problem. I always think about when I am trying to make decisions about my life. If you put too much energy into worrying about the problems and the minor details you will struggle to see clearly enough to focus on the solutions.
It's a real shame that you have given up the passions in life and I would say you really ought to go and spend 30 mins playing guitar or piano. Music for me was a huge release when I was struggling with personal problems growing up. As I got older and had more responsibility I stopped playing as much and didn't realise that I needed it to help release stress. Playing music is also a great way to make friends and is a good way to socialise.
Career wise you have a great variety and choice as you are clearly very articulate and sound able to apply yourself to a number of fields. It is really hard to find the so called "ideal job" it means different things for different people. Just keep persevering and you will find something that you can excel and succeed at. If you start to feel down about yourself you will find it hard to do well in interviews, as people often look at whether they can get on with the applicant over whether they tick all the boxes.
I'm sure if you stay positive it will all come together.
Good luck Estate AgentsI think you would have to compare terms to see which is more favorable. Lenders tend to treat investment properties differently than primary residences. You would have to find out the specifics.
If option 2 has better terms, I don't see what prevents you from going for it. When you refinance a primary residence, you wouldn't expect to face a lot of questions about what you intend to do with the money. I expect that wouldn't be of concern to the lender.
There are three main souces of capital for business ventures: 1) loans (tough to get even after you have revenue), 2) institutional venture capital and 3) angel investors. A business attorney can be often provide connections to investors. Also, check out angel investor groups. Getting institutional VC financing is very difficult and even more so than usual in the current economic environment. They are looking for the combination of a compelling product/technology AND the technical and managerial talent to make it a reality. It is often more about the team and your ability to build a business around either a new technology, product(s) or a powerful business model that it is a specific idea. Its important to understand that VCs primarily invest in great management teams and/or exceptional technologists. So, if you don't have the background, I strongly recommend you get it before pitching your idea. Generally, you need to have either several years of senior corporate experience in the right area for your venture or be a technical expert in the field of your products/business model. If you don't want to wait until you acquire the knowledge yourself, you need to recruit it into your team. If you've got the goods, research the vc firms to find those that invest in your product/business area. Then, network to get a referral if possible. It is much better to get a referral than mailing your plan in. VCs get hundreds of busines plans & pitches and it is very hard to standout if you mail it in. Make sure you are really prepared with a well-thought presentation and be prepared to answer questions about your market and competition. http://www.remaxstilbaai.co.za
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