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5 Easy and Frugal Ways To Support The Homeless This Winter

5 Easy and Frugal Ways To Support The Homeless This Winter

Hey everyone, I’m Josh…You may know me from CNA Finance, Modest Money, and several other personal finance blogs around the blogosphere. However, over the past few months, I’ve really changed my focus. Simply put, the community has really taken care of me. I live well, eat well, and enjoy the simple pleasures in life. Unfortunately, that’s not the case for way too many people in our community. So, this year, I’ve decided to focus on helping those in need.

Over the past month, my fiancé and I have started what we view as a movement, called Under The Bridge. Our main goal is to change the way we see the homeless community. The bottom line is that while these people may have some past issues, they are human and deserve love and respect.

And here’s what you can do…

Here’s the Truth About Network Marketing and MLMs

Here’s the Truth About Network Marketing and MLMs

​A friend of mine told me about a business opportunity.

It was supposed to be “the online Walmart” (this was before Walmart had the online Walmart.)

A superstore filled with every product you could imagine. But there was a difference. This website would pay you to shop there.

It was like a loyalty program that actually paid you cash money to shop at their store.

In the pitch, I remember the speaker saying “if you could shop at two different stores for the same price, but one of them handed you a $5 bill every time you were finished shopping. Which store would you choose?”

I think the answer is obvious and I was sold on the idea, but just when I was ready to sign up, something unexpected happened…

The 5 Wealthiest Hedge Fund Managers (And What You Can Learn From How They Got There)

The 5 Wealthiest Hedge Fund Managers (And What You Can Learn From How They Got There)

When you’re trying to get good at something, always learn from the best.

Whether you’re just getting started with investing your money or are already a well-seasoned and sophisticated investor, you could always do with a few lessons taught by some of the best of the best in the financial world.

When most people start investing, their journey often begins with reading up about Warren Buffett. Buffett’s compounded annual return of about 20% over the course of his 50-year career, as Berkshire Hathaway’s chairman, is the stuff of legends.

But he isn’t the only one on the rich list who has made his fortune solely off the back of investments made over the years.

There’s a growing number of hedge fund managers whose talents have not only made them enormously wealthy, but also landed them on the prestigious Forbes Rich List. Many of these managers are billionaires and their investment styles vary greatly from the long-term value investing mantra of Buffett.

Here’s a list of the top 5 richest hedge fund managers and the lessons you could learn from them…

How to Stop Being Lazy – Instill Self Discipline and Run Your Own Life

How to Stop Being Lazy – Instill Self Discipline and Run Your Own Life

When my wife and I first got married, I was lazy…I mean really lazy.

It wasn’t just that I didn’t wash dishes or do laundry…I didn’t even take my dishes to the kitchen and my laundry piled up on my floor.

It wasn’t that I was busy, I was just lazy. You know the drill: TV, video games, internet, repeat.

Now, I work full time for the military, run 15 miles per week, lift weights 5 hours per week, write for an hour each day and still manage to help my wife with the dishes and the laundry. Did I mention we are a family of 6 and family time is also very important to us?

So, what changed? Did the military instill this discipline in my life? Not really…

How to Eat Healthy and Still Spend Less Than $400/Month on Groceries

How to Eat Healthy and Still Spend Less Than $400/Month on Groceries

​​Heart disease is a killer. So is type 2 diabetes.

Anyone can get these diseases, but you can greatly reduce your chances by eating a healthy diet.

So then why don’t we all eat healthy meals every day?

Well first off, because fatty, ​processed, high-carb​ food tastes great, despite how it makes you feel.

But ​it’s also about price, right? Eating healthy is expensive. But it doesn’t have to be.​

​Our family of 6 spends less than $400 on groceries each month​. It wasn’t always like this, it takes strategy and planning.

Here are some unique things we have done that you can do too, to eat healthy and save money…

Do You Really Have to Practice New Habits Every Day for Them to Stick?

Do You Really Have to Practice New Habits Every Day for Them to Stick?

​Every time I read about creating new habits, the term “daily habits” always pops up.

You’ve probably heard it before…

“You must do this habit every day to make it stick”​.

“Your new habit should be a daily practice“.

​I always had the question: “Does that really mean every single day?” Even weekends and holidays?

I’ve finally figured out the best way to approach new “daily habits”.

Let me share what I’ve learned…

How Rich Are You?  The Line Between Giving and Guilt

How Rich Are You? The Line Between Giving and Guilt

I am rich. Like really rich.

Am I a millionaire? Nope. Not even close. So how am I rich if I’m not even a millionaire?

Let’s start with what “rich” really means. Here are the first couple definitions:

1. having a great deal of money or assets; wealthy.
2. plentiful; abundant.

Obviously the definition is subjective and open for interpretation, but I think it’s reasonable to use percentages here.

So who would be considered rich? The top 30 percent? The top 25 or 20 percent? 15?

Let me show you where I’m at, where you are and how we should approach about giving…

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