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Recent Money

5 Game-Changing Things You Don’t Know About Millionaires

5 Game-Changing Things You Don’t Know About Millionaires

We all have our opinions about millionaires and the rich.

I’d like to challenge some of those opinions and show you some things you might not know about millionaires.

It’s not about luck, fancy lifestyles or greed.

It’s about developing a mindset that sets you apart from the rest.

Here are 10 game-changers that you didn’t know about millionaires…

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5 Mistakes Expatriates Make When Using Credit Cards

5 Mistakes Expatriates Make When Using Credit Cards

American citizens who live abroad are known to face some rather unpleasant financial surprises when they get back to the US.

While spending responsibly when outside the US, their lack of U.S. credit activity often deprives them of new credit cards or loans being issued to them.

Opening a bank account can also be really tough.

American expats tend to be completely unaware of how they should manage their existing credit cards while they live abroad, and there are few identifiable mistakes they usually make.

Here on some of the mistakes expatriates make when using credit cards…

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The Quickstart Guide to Seller Financing Real Estate

The Quickstart Guide to Seller Financing Real Estate

Have you ever thought about owning rental property?

Perhaps you’re interested, but you’re worried about high maintenance costs and destructive tenants.

That’s a common thought and a common worry. And there is a way around it.

Yes, you can invest in income property without actually being a landlord.

It’s called seller financing and it could work for you as a seller or a buyer…

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Do You Have What It Takes to Invest in Classic Cars?

Do You Have What It Takes to Invest in Classic Cars?

We always hear that some people have just made a huge profit on certain type of investment and think if we could make the same kind of money, too.

It is all good dreaming about how good you would be and how much money you would earn. However, some people make money regardless of markets going up or down.

They actually can make even more money when the market is crashing if they know when to short certain stocks as we discovered in recent crises with banking stocks.

When it comes to investing in classic cars there are a few obvious potholes anyone can fall in…even the seasoned dealers. They are easy to fall in love with, be sentimental and being cars, they have many associated problems.

Here are 5 tips to help you decide if you would be a good classic car investor or it is not definitely for you…

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Credit Card Insider Review – Find the Perfect Card for You

Credit Card Insider Review – Find the Perfect Card for You

There are many tools to help your find the perfect credit card.

Some of those tools cost money, this one is free, but there are other free tools like this.

So, what makes it so special?

It’s more than just a tool, it’s a goldmine of resources on finding credit cards, improving your credit, fixing mistakes on your credit report and ultimately helping your get the best credit score possible.

So let’s dive in…

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​My Biggest Money Mistakes (That I’m Glad I made) Part 3: A Common Mistake

​My Biggest Money Mistakes (That I’m Glad I made) Part 3: A Common Mistake

This is my last mistake.

I’m sure that’s not true, but it is my last mistake in this series. For now.

Be sure to check out Part 1 (Network Marketing) and Part 2 (Direct Buy) in this series.

So, this is a mistake that I made and it’s likely a mistake you have made. An overpriced vehicle.

Or…financing a vehicle in general, but specifically paying way too much in the first place.

For us, it was a 2003 Chevy Blazer and we paid more than anyone ever should have paid for it.

Let’s look at the mistake, why it happened and what we can learn…

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My Biggest Money Mistakes (That I’m Glad I made) Part 2: Wholesale Club

My Biggest Money Mistakes (That I’m Glad I made) Part 2: Wholesale Club

It’s time for another mistake.

Actually, I’m not planning on making another mistake, this is a mistake I already made.

Last time, I wrote about my failed ventures in network marketing. today we are talking about a money mistake I made in my first year of marriage.

My wife and I decided to join a wholesale warehouse. Direct Buy to be exact. Maybe you’ve heard of it.

It cost us a lot of money (I’ll tell you how much in a moment), but I’m still glad we did it, here’s why…

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Recent Reviews

Credit Card Insider Review – Find the Perfect Card for You

Credit Card Insider Review – Find the Perfect Card for You

There are many tools to help your find the perfect credit card.

Some of those tools cost money, this one is free, but there are other free tools like this.

So, what makes it so special?

It’s more than just a tool, it’s a goldmine of resources on finding credit cards, improving your credit, fixing mistakes on your credit report and ultimately helping your get the best credit score possible.

So let’s dive in…

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Credit Sesame Review – Why I Made the Switch From Credit Karma

Credit Sesame Review – Why I Made the Switch From Credit Karma

​What is Credit Sesame?

Sure, they are a credit monitoring service, like Credit Karma and many others​, but that’s not all.

They offer more than the other credit monitoring services I’ve seen, while still keeping it free.

What do they offer, you ask? A free credit score, free credit monitoring and free identity theft protection.

Free identity theft protection? That’s right! And they actually offer even more than that.

Let me give you a quick breakdown, then I’ll let you go try it out. After all, it is free…

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Personal Capital Review – The Ultimate Free Tool for Budgeting and Investing

Personal Capital Review – The Ultimate Free Tool for Budgeting and Investing

There are many ways to get all your accounts in one place.

There are also ways to automate your budget.

Mint.com comes to mind.

Your bank may even offer online banking that budgets for you and allows you to add outside accounts to your dashboard.

That’s all great. I love automation. But I’ve found the cream of the crop.

All your accounts in one place? Check. An effective automatic budgeting system? Check. And that’s not all they do.

Personal Capital is great for budgeting, but it’s really great for investing!

Let me show you what sets Personal Capital apart from the rest…

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TSP Evolution Review – Gaming for Your Financial Future

TSP Evolution Review – Gaming for Your Financial Future

Occasionally I come across a new tool that is extremely helpful.

And then occasionally I come across a tool that’s just plain fun.

I’ve found a new tool that’s both extremely helpful and just plain fun.

Introducing: TSP Evolution.

The TSP (Thrift Savings Plan) is a contribution plan for federal employees in the United States, including the military.

It’s basically a 401k for federal employees.

Now you know what the TSP is, so what is TSP Evolution?

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Recent Productivity

How to Create More Self Discipline in Your Life

How to Create More Self Discipline in Your Life

“​We are what we repeatedly do, excellence then is not an act, but a habit ​.”​ ​-​Aristotle

​Discipline isn’t about the choice to do or not do something.

It’s a choice to take control of your own life, instead of letting someone or something else do it for you.

That’s why Napoleon Hill said:

“​​​If you do not conquer self, you will be conquered by self ​.”​​

It is possible to create discipline and become a disciplined person.

​It’s not genetic and it certainly isn’t something that always comes naturally.

Here’s are 4 important things you need to know about self discipline to create more in your life…

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6 Productivity Hacks Backed By Science [Infographic]

6 Productivity Hacks Backed By Science [Infographic]

“I believe in science.” -Esqueleto, Nacho Libre

I’m all about science-backed productivity.

From how habits are formed to the time of day we are most productive, I think science plays a huge role in helping us become more productive.

That’s exactly why I think it’s important to see some actual studies and how they pertain to your productivity…

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How to Create a New Habit (Even if You’re “Too Busy”)

How to Create a New Habit (Even if You’re “Too Busy”)

Are you intentional about creating new habits? You should be.

Building positive habits is one of the most powerful disciplines in the world.

Large results are created through the building of small, consistent habits.

But how do you build a new habit if you don’t have any time to spare? You know, if you think you’re “too busy”.

Everyone is busy and most people think they are too busy to add something to their life. They’re not. And you’re not.

Here’s what has worked for me, and it has also worked for many influential leaders…

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How to Combat Your Morning Self (And My Morning Ritual)

How to Combat Your Morning Self (And My Morning Ritual)

​​I ​ have two personalities. My night self and my morning self.

Sometimes we don’t get along.

When my night self decides to stay up a little later, my morning self isn’t too happy.

My night self goes to sleep thinking about all of the great and productive things I’m going to do in the morning.

​But sometimes my morning self wakes up thinking my night self is an over-achiever and I should just go back to sleep.​

Sound familiar?​ Here is how I am able to combat my morning self and get stuff done…

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How to Take Back Your Mornings [Infographic]

How to Take Back Your Mornings [Infographic]

Mornings are my favorite time of the day.

I can get more done in the first 2 hours of the morning than I can in the next 8 hours of the workday.

Since I’ll be publishing an article tomorrow on successful mornings (I’ll even be sharing my morning ritual), I thought it would be appropriate to share this awesome infographic today.

Let’s quickly go over a few key things to morning time…

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6 Steps to Create Your Self-Development Blueprint

6 Steps to Create Your Self-Development Blueprint

​​What is a self-development blueprint?

It’s simply a game plan or a blueprint for improving your life and yourself.

We’re constantly growing and learning. It helps to make a plan. Learning is much more effective when it’s strategic.

Are you reading books, listening to audio and watching videos? Most of us are.

Are they getting you closer to your goals? Let’s start working on your game plan…

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How to Effectively Measure Progress on Your Goals

How to Effectively Measure Progress on Your Goals

Small progress over time leads to huge results.

Gradual increase + persistence = new habits. It’s that simple.

Small habits might not seem life-changing at first, but when you look back, you will see something amazing.

You will see huge progress compounding over time.

That’s exactly how you measure your goals. Looking backwards.

The past gives us all the information we need and it tells us what we need to change.

Let’s look at how to effectively measure goals and see our progress…

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How to Increase Your Entire Family’s Productivity

How to Increase Your Entire Family’s Productivity

Have you ever read an article on productivity and thought it would be great for someone without a family, but with a family, you couldn’t really implement most of it?

I’ve been married for almost 9 years. My wife and I have 4 kids. I’ve been there before.

I’m always looking for ways to increase my productivity, but I admit, it’s not very motivating to read an article about having a 3 hour long morning routine.

Don’t get me wrong, that sounds awesome! And I would love to that, but unfortunately, I work, spend time with my family, exercise and, oh yeah…sleep (when I’m free to do so).

I don’t have 3 hours for a morning routine and as much as I would like to, it’s just not going to happen right now.

That doesn’t mean we can’t be productive. I’m very productive and so is my family.

I have found some things that work. It’s possible to be productive, even with a big family.

Let me share what has worked for me…

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Recent Infographics

6 Productivity Hacks Backed By Science [Infographic]

6 Productivity Hacks Backed By Science [Infographic]

“I believe in science.” -Esqueleto, Nacho Libre

I’m all about science-backed productivity.

From how habits are formed to the time of day we are most productive, I think science plays a huge role in helping us become more productive.

That’s exactly why I think it’s important to see some actual studies and how they pertain to your productivity…

read more
How to Take Back Your Mornings [Infographic]

How to Take Back Your Mornings [Infographic]

Mornings are my favorite time of the day.

I can get more done in the first 2 hours of the morning than I can in the next 8 hours of the workday.

Since I’ll be publishing an article tomorrow on successful mornings (I’ll even be sharing my morning ritual), I thought it would be appropriate to share this awesome infographic today.

Let’s quickly go over a few key things to morning time…

read more
How IT Cloning Can Make You a Billionaire [Infographic]

How IT Cloning Can Make You a Billionaire [Infographic]

Cloning simply means to create duplicate of anything.

The term IT Cloning was derived from the biology term “cloning” where clone of any animal can be created using any particle of the animal.

But IT cloning refers to the duplicity of any website or application in terms of its design and functionality.

Clone websites don’t use the code of the original one. Developers design it from scratch using their own code.

IT cloning has become very common and it can be seen in our daily life, with companies like Airbnb & Wimdu, Flipkart & Snapdeal, Alibaba & Amazon, Snapchat & Bolt, Whatsapp & Telegram etc…

Now the question is “How are clone websites more benefited than original websites?”

I think a real life success story can explain it in a better way…

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9 Ways to Be More Productive [Infographic]

9 Ways to Be More Productive [Infographic]

If you’re like me, you are always finding ways to be more productive.

Increasing your productivity is one of the quickest ways to accomplish your goals.

If you want to get better or learn about something new, you will need to “buy some time”.

We all have the same amount of time in a day.

It’s about how we use that time…

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About Me

Kalen Bruce

My name is Kalen Bruce.

I write short, simple articles on money and productivity.

I live a debt-free life with my wife and 4 children.

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