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…
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…
Nearly half of Americans make New Year’s resolutions, but only 8 percent of us keep our promises, according to a survey by the University of Scranton.
Top reasons (excuses) include lack of money, lack of opportunity and – almost everyone’s sticking point – lack of time.
If you’re determined to realize your goals this year, check out some frugal ways to achieve the top ten resolutions…
One of my biggest woes in life is the money it costs me to keep my car ship-shape.
It seems every time I take it to a workshop, they find things wrong that I never even heard of. Things that end up costing me money I hadn’t planned spend—not now, anyway.
So I figured there had to be a better way to do basic repairs, and save not only the cost of the materials and labor but also the “extra” things mechanics always seem to uncover.
Here are 5 easy at-home car repairs…
Nearly 3 billion coupons are redeemed each year.
And it’s not just for electronics, clothing and household products.
Look hard enough and you can also find discounts on things you never imagined have discounts (or need them).
Here are 12 of the more unusual picks:
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…
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…
“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…
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…
If you want to own a home but just can’t seem to get the capital together for a down payment, don’t have the income to carry payments or don’t have the credit history to get the loan, you might consider purchasing it with a friend.
Two incomes are certainly better than one, and you’ll probably have a better chance if you have another strong candidate applying with you.
People buy houses with friends all the time, and while there is nothing inherently bad about it, you should consider a few things before taking the plunge.
I came across 9 thing to make this your most productive week ever.
Who wouldn’t want to make this week the most productive week ever?
Doesn’t that just sound awesome? It’s actionable. It’s applicable.
I wanted to make sure these ideas were all as effective as they sounded.
So I tried this entire list for several weeks and got some awesome results. I included a small note after each number to tell you exactly what I learned about each one.
At a bare minimum, you must try #8. This was an eye opener for me.
Now it’s something I add to my schedule every week…
You may think the key to having more money is earning more money.
But before you get a 2nd job, you should look at your expenses.
What can you cut? What can you eliminate?
In America, we are famous for labeling our “wants” as “needs”.
So, which areas should you be cutting back on?
To start, here are some ideas to save on communication, food, utilities and insurance…
Should you save for your children’s education?
A better question is “should you invest for your children’s education?”
There is a simple cut and dry answer here…it depends…it’s really up to you.
Did I say cut and dry? Forgive me.
You are not obligated to pay for their college. It’s not your responsibility as a parent.
However, it is nice to be able to help them out. Here are the best ways to do it…
Investing is not a science: it is not possible to put your portfolio on autopilot and just watch your money grow, Grow, GROW.
There is no one fixed, guaranteed path that leads to investment success.
However, there are certain paths that will lead to guaranteed failure.
Before you know what to do, you must first know what NOT to do.
I’m going to go over 4 common mistakes the investors make…
Who doesn’t love shopping on Amazon?
It’s hard to beat the prices, but what if I told you that you can do better?
I’m not talking about shopping somewhere else.
I’m talking about better deals where you already shop. On Amazon.
Here are 9 tools to become a master shopper on Amazon…