"Cast your bread upon the waters, for after many days you will find it again." (Ecc 11:1)
One should not fear taking risks. All work of production calculates risks. Risk-taking is key to farming, business, banking. In the Parable of Talents, the boss commended the two workers who went and took risks to do business with the money they received, doubling it by the time their boss returned. However, he was very unhappy with the worker who went and hid the capital depriving the boss of even the interest from the use of it. He rebuked him saying that he should have given the money to bankers if he was afraid of taking risks, for bankers (risk-takers themselves) assure of a set interest amount. Risk-taking must be accompanied by good counsel, calculation, wisdom, and diligent hard-work that explores various avenues of investment. Risk-taking investments forgo the present disuse or use of something for sake of future returns. For instance, the farmer sows the grain instead of eating it or storing it for consumption in order to reap multiple production.
Instead of investing the whole capital in just one industry, it is better to divide it into various. "Give portions to seven, yes to eight, for you do not know what disaster may come upon the land." (Ecc 11:2)
It is also important to be diligent and willing to use spare time (available labor-time--not to scrape it from family and rest time) in any other industry. "Sow your seed in the morning, and at evening let not your hands be idle, for you do not know which will succeed, whether this or that, or whether both will do equally well."(Ecc 11:6)
Don't just wait for things to look very sure and certain. Move forward. Risk-takers move by faith, not by sight. "Whoever watches the wind will not plant; whoever looks at the clouds will not reap (Ecc.11:4)
Also, be prepared for crisis-times. And, do not forget that charity and helping the poor has assurance of returns and rewards from God (Prov.19:17). That reward is always assured and never lost.
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