Money has its uses but it´s not what many people believe it is for. Money is an intangible substance that must bring about something of value that benefits all those who have it and helps those who don´t. If it does not provide some positive benefit, it means nothing but the paper it is printed on.

At some time in your life you will assume the mantle of a leader whether it´s as the head of a household or the executive of a corporation. Your conduct as a leader will either inspire or lead to rejection and animosity among those you lead. Here´s how you can avoid the characteristics of bad leadership.

Eliminating worry completely is not possible as long as you draw breath. Worries are a part of life and is what stimulates action to rectify a problem. But worry should never become so overwhelming as to cause physical and mental illness.

Risk taking is unavoidable. It is a part of life and the only reason why you can reach for wealth and happiness. Whether you´re trying to convince your girlfriend to marry you, convince your future employer to hire you or put your money in stocks and other investments, life is filled with decisions and demand choices. Knowing how to take risks will help you minimize your chance of loss.

Whether you´re a family man or the CEO of a multinational corporation, knowing how to negotiate is a skill you must develop if you are to prosper and become a leader that others look up to for guidance. Negotiation frightens many people. They think of arm twisting, threats and bribes made by someone infinitely more powerful than they are. But even the lowest employee of a company can employ skillful negotiation to get a better paying salary. Children know little about negotiating, but how often do you grant their wishes simply through their persistence?

Seventy per cent of all our worries are centered around money. There is never enough to pay bills and the expenses that seem to increase year after year. One of the major reasons why we worry so much about money is that we don´t know how to spend the money we do have wisely.