I do not have a courageous heart that is why I am keeping my money in the bank instead of investing. However, I have tried my hand in business but I was not fortunate to succeed. Now I am just trying to enjoy my retirement and I have no complaints with my finances that is more than enough for my needs.Risk taking is a thing for the courageous at heart.This is what every business person should possess if you want to make it beyound the normal.Not taking risk is riskey in itself.But that should'nt mean that we should not take calculated risk.We need to analysed the whole issues on groung before proceeding.