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Why is the General Population Financially Illiterate?

It’s no secret that most people don’t know how to handle money.

Personal finance is one of the primary categories of blogs on the internet today.

That’s because it’s needed. It’s highly needed. And most people don’t even know where to start.

People don’t understand things like the stock market, mutual funds, index funds or compound interest in general. The average person doesn’t keep a budget, and they overspend on a daily basis.

I know you don’t do that, but you may still be wondering why personal finance isn’t taught in schools, and why most people don’t have a clue when it comes to money.

Here’s some insight…

How to Effectively Use a To-Do List by Not Using One

To-do lists are great…except for that bottomless-pit part that you never get to.

How many things are on your to-do list that have been there for days, months or years?

There’s a reason for that, and here’s how to fix it…

Is Life Insurance With No Exam a Good Option?

With a traditional life insurance policy its typical for the entire process to take between 6 to 8 weeks from the point of the application to approval. However, recently there have been a rise in simplified issue life insurance policies that speed up the process substantially. Life insurance policies with no medical exam can offer approvals within a few hours or a few days, but what’s the catch for this type of convenience? Let’s talk about the pro’s and con’s of acquiring life insurance with no medical exam.

What You Need to Know About Spending Money While Traveling Internationally

Who doesn’t like to travel?

Traveling is fun and exciting, but it can also be scary and overwhelming if you aren’t used to it. Especially when traveling internationally.

There are many things to know and this guide doesn’t cover everything, but it does show you the most important things that you need to know.

First, here’s what you need to do before you hit the road…or the sky…

Why I Choose To Invest In Binary Options

Binary options are a relatively new investment vehicle. After all, retail binary options weren’t even available until pioneers in the industry, like anyoption, started to offer their services back in 2008. While binary options trading is relatively new, it has taken off like a rocket; and for good reason. This new trading vehicle opens the door to several new opportunities while combating some of the biggest issues associated with investing today. Here’s why I choose to invest in binary options and you may want to consider doing the same…

Learning Can Be the Worst Enemy of Doing

I love learning.

Just last week I published “Never Stop Learning: 40 Places to Get Free Education Online”.

I’m a college student. I read daily. I’m taking a course at Codecademy. I’m constantly involved in military education.

Obviously, I’m a big fan of continued education.

The problem is when we let the process trump the outcome.

Too Big to Fail? 5 Companies That Prove There’s No Such Thing

When companies grow into large corporations, people start depending on them. Eventually, many other companies depend on them. If they keep growing, an entire country’s economy could depend on them.

What happens when one of these companies fail? What happens when they file for bankruptcy? Is that even possible or are they actually too big to fail?

It’s easy to see, after the Great Recession of 2007-2009, that no company is too big to fail. Here are some prime examples…

Never Stop Learning: 40 Places to Get Free Education Online

Sure, there are plenty of places to learn online.

You can always go to Google, YouTube and great blogs (like this one, right? Right?? Please tell me you love me!).

Those are all great places to find information, but you already know about those and it’s easy to get distracted at such broad websites – especially YouTube…have you ever fallen into the just-one-more-related-video-in-the-sidebar trap?

I spent a lot of time compiling these resources. Of course, I could have spent a lot more time, but you only live once – I’m using that phrase in the sense of time, not in the sense of making a really bad decision because YOLO. There are literally hundreds of thousands of hours worth of material here. We only have so many hours in our lives and going through all of these courses may take all of them, so I feel like I’ve listed enough.

Let’s dive in, starting with free college courses…

Investing in Property in a Digital Age [Infographic]

Investing in real estate has never been easier.

That doesn’t mean it costs any less, but the tools you need are out there.

When my wife and I bought our rental, we did all kinds of internet research and we used all the tools we could find to help along the way.

Buying and managing property is a breeze with all the online resources we have today.

Whether you’re looking to buy one rental home or several apartment buildings, here’s how the digital age is changing real estate…

7 Money Saving Tips for Small Businesses

If you happen to find yourself in a tricky situation wherein you have all the passion and determination to flourish your small business to great extents but do not have enough funds to support your dreams, then find yourself amongst many others facing a similar situation.

The two vital ingredients for any business to grow are: Money and Innovative Ideas! Thinking of innovative ideas is entirely up to you, and we leave it on you; however, in this article, we will show you how to make and save money wisely for your business to grow.

The Complete Guide to Keeping a Journal

What do Benjamin Franklin, Winston Churchill and Theodore Roosevelt have in common? A lot actually…but for the sake of this guide: journaling. They all kept a journal.

Notice how they didn’t just talk about keeping a journal. They didn’t just say they wanted to keep a journal. They actually did it. And it was a daily discipline. How often do we talk about implementing habits like this and never get around to it?

You may realize the importance of a journal. You may like the idea of keeping a journal. But do you do it?

The time is now. If you keep putting it off, you’ll be 90 years old, wishing you had written something to pass down.

And that’s just one of the reasons to keep a journal…

6 Stocks You Should Invest in 2015

The stock market can be quite overwhelming; whether you’re a seasoned pro or a newbie investor, there’s a lot of difficulties to navigate.

It’s a complicated market, but if you put together the right strategy, it can make you rich.

Look for stocks you can hold long-term, and consider the advice of top-level investment advisors and analysts.

Each stock listed below has been specifically curated based on its quality and long-term growth potential…

Buying a Used Car? Here’s a 27 Point Checklist to Help You Make an Informed Decision

Purchasing a used car is an exciting experience. Buying the right set of wheels can lead to miles of happy memories.

However, buying the wrong car can cost you thousands of dollars overnight.

With 40 million used vehicles sold each year, the odds of coming across a lemon are higher than you think.

Many used vehicles have hidden problems, not easily spotted during an initial inspection. Other issues can appear after purchasing the vehicle.

Bottom line…

Here’s Why You’re Not Getting Up in the Mornings (And How to Actually Wake Up Early)

You know the importance of sleep.

You know that you need to increase your energy to feel better throughout the day.

You know you want to be a morning person, but sometimes you just can’t drag yourself out of bed.

There’s a reason for that and it doesn’t always come down to diet and exercise, regardless of what most the popular articles want you to believe. The problem often dwells between your ears. It’s not a physical issue, it’s a mental one.

Here’s why you’re not getting up and how to actually wake up early…

The Power of Perception in Your Financial Life

The financial environment in the United States is still confusing.

There is still a huge level of credit card debt. Spending is a boost to any economy, but if it is spending that individuals can ill afford, then is it a recipe for disaster?

A recent survey by USA Today/Wells Fargo makes for interesting reading. Of the respondents that had a view on the US Economy, as many took a positive stance as a negative one. Half the respondents had no strong views either way, but they must clearly have doubts.

Why I’m Killing the Ads at MoneyMiniBlog (And How I’m Replacing the Income)

I started this blog to help people.

I love finances and becoming more productive, which is why I aggressively learn everything I can about each one.

Over the years, in an effort to monetize this blog, I starting including advertisements withing the articles and in the sidebar. You may have noticed those ads disappearing lately. That’s because they are.

I’m killing the ads at MoneyMiniBlog. Here’s exactly why and how I’m replacing the income…

Work Smarter Not Harder: 4 Productivity Principles You Need to Know

You want to work smarter, not harder. You want to be more efficient – more productive.

But what are some practical and applicable principles and techniques that can help you do that?

Here are four of the foundational principles you need to follow to achieve more in less time…

5 Categories You Need in Your Budget That May Be Missing

Budgets aren’t easy. They’re not always easy to create and they sure aren’t easy to stick with.

It takes discipline and persistence. And consistency. And…well, it seems hard, doesn’t it?

That’s because it is…or at least, it can be. Sometimes it feels like there are holes in your budget. Unexplained black holes that suck your money in or areas that you just don’t think about.

Here are 5 areas your budget may be missing…

Financial Statistics That’ll Shock You [Infographic]

So we just got back from vacation and we completely failed…in a good way!

I’m sure you’re wondering what the means and what that has to do with this infographic.

You’re in luck, because I’m going to tell you!

Master This One Thing and Watch Your Productivity Skyrocket

I usually don’t title articles the way I’ve titled this one.

I don’t like the idea of click-bait articles with titles like “This puppy saved his life and you won’t believe what the man did to repay him” or “She thought it was a normal tater tot, but she was in for the surprise of her life”.

I don’t like to be deceitful, so you won’t see those titles here.

But this is different. I didn’t include the main idea in the article title for a reason.

This is literally one of the most important things you can grasp about your productivity. And because of that, I want you to really take it in. Don’t just blow this off and act like you already knew it.

So what exactly is this one thing?

6 Things I Learned by Not Spending Money for 30 Days

I love challenges. Especially when there is seemingly no reason to start them.

That’s exactly what my wife and I just did. A challenge.

The challenge? To not spend money for 30 days.

No reason, really. Just for fun. And yes, believe it or not, it actually was fun.

Here are the results…

7 Keys to Winning Scholarships

If you’re getting ready to take the pathway to college, you’ll need to think about winning scholarships, unless you want to be buried in debt when you graduate, or unless you’re independently wealthy.

There are many posts on blogs and scholarship sites that tell you how Student X got scholarships, but if the journey was arduous for that student, perhaps there is a better way to win scholarships than by plugging along, day after day. It’s better to learn from the experience of people who can help you win scholarships, even if you don’t have time to apply to a hundred of them – or more.

10 Important Actions You Can Take Right Now to Increase Your Productivity

When you’re reading productivity articles, you don’t want vague ideas, you want actionable steps that you can take to literally increase your productivity today. You want practical, applicable tips.

I’ve tried my best to make this blog full of actionable tips you can apply to every day of your life.

This article may be the most actionable of them all.

Here are 10 of the most important actions you can take right now, today, to increase your productivity by leaps and bounds…

(You can click each point for more on that topic)

10 Credit Myths Busted [Infographic]

Credit is a funny thing. Especially when you start talking to other people.

Some people have all the answers on how to improve your credit, but are they accurate?

Just because something seemed to work for someone else doesn’t mean it will work for you, but there are some standards that you (and anyone else) can meet to ensure your credit score will continue to rise.

Before you get into raising your credit score and cleaning your credit, you’ll want to look at these credit myths.

There’s no reason to waste time on things that won’t help you…

The Ultimate Quick-Guide to Breaking Bad Habits in 4 Steps

A habit isn’t bad or good on its own.

Positive habits are an absolute must for success in your health, finances…basically everything.

But negative habits, or bad habits​, can combat your positive habits.

In fact, eliminating negative habits can be much more effective than starting new positive habits and often, it’s easier to break a bad habit than it is to stick with a new good habit.

The truth is, you need good habits in your life, but let’s break the bad ones first…

24 Stupidest Things the U.S. Government Spends Money On

Americans waste a lot of money, but are we just following in our government’s footsteps?

Either way, we definitely shouldn’t be looking to them for advice. They waste money. A lot of money.

Since we don’t directly control how our government spends money, why not make fun of it? We laugh to keep from crying, right?

20 Productivity Apps to Keep You Organized [Infographic]

When it comes to business-based apps for your phone or computer, productivity apps rule the roost.

In fact, there are so many out there that it can be unproductive to spend hours trying to find the best one(s).

But don’t you worry! Here are 20 of the top productivity apps in one quick graphic…

Attention Financial App Users: Advice for Keeping Your Phone Safe

If you’re like me, you complete just about every task with the help of your smartphone. From checking your email accounts to downloading apps to help you maintain your budget, your whole life is on your phone.

While modern technology is certainly a convenience, we really do have to be careful about the potential threats that are out there. Identity theft is serious business and, according to the Federal Trade Commission, identity theft was at the top of the list for consumer complaints this year.

For that reason, it is important for us to take extra precautions to protect our personal information. Below are a few things I’ve done to safeguard my smartphone.

4 Ways to Fund Your New Business

If you’ve ever thought seriously about starting your own business then you should also have given some thought to the issue of how to find the funding that will help turn your ideas into reality.

These matters are, of course, key considerations in the context of starting up a new business of any kind. After all, without cash, even the best business ideas are destined to remain unfulfilled and forever on the drawing board.

There’s no denying that funding new businesses can be challenging but it is important to note that there are more ways than ever for start-up operators and entrepreneurs to access the financing they need at different stages of development.

Here’s a look at FOUR of the best:

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