Each person has or can acquire three forms of intellectual capital. These require an investment of study and hard work, but they pay off in higher income for the rest of your life.

The first type of intellectual capital you can acquire consists of your core
  • Knowledge,
  • Skills, and
  • Abilities.

These are the result of
  • Education,
  • Experience, and
  • Training.
They determine how well you do your job and the value of your contribution to your business.

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