Select Page

Blog

Browse over 600 articles on money and productivity.

What Happens to a Mortgage When the Homeowner Dies?

It is a sad thing to consider, but not all that uncommon.

Sometimes a homeowner with a mortgage will die before the mortgage has been completely paid off.

Since mortgages can last 20, 30, even 40 or more years, a lot can happen to a person between the time they start and the time it finishes.

If you are worried about confusion with the house and mortgage if this happens to you or a loved one, here are some things to know…

How Ten Feet Helped Me Read 5 More Books Last Month

Do you have “your” chair? Your favorite spot?

A recliner, a rocking chair…the porcelain throne…

I realized that I was spending hours each month sitting in my favorite chair and using my time doing practically nothing.

So what did I do? I literally just moved the current book I was reading from the end table across the room to the shelf right beside my favorite chair.

The results? I read 5 more books last month than I planned to.

I realized that reaching reading goals has a lot to do with your environment and you have control over that.

Here’s how you can read more books by controlling your environment…

The Most Important Article You’ll Ever Read On Investing

There are few topics that have as much written about them and as much contrasting information as investing.

Just knowing that is enough to scare most people away from investing at all.

Is it really that difficult? Do you really need to devote years of your life to studying the most efficient way to invest?

It would seem that way, but in reality, not at all.

The problem with most investing advice is that someone is profiting (or attempting to profit) from it.

Investing is actually much easier to understand than you may think.

You’re about to learn everything you need to know to be a successful investor…

8 Important Financial Tips for Freelancers

If you’re a freelance worker of any stripe — writer, consultant, artist, contractor — you’re likely in the habit of keeping a close eye on your finances.

Sure, there are basic bits of advice that are good tips for anyone: Make and adhere to a budget (or not)! Diversify your assets! Steer clear of Whole Foods!

Personally, I ran into major trouble the first year I filed my taxes as an independent contractor. I felt intimidated by the level of organization required. Not to mention the jargon. “Schedule C?” “Pension distributions?” Uhhh…I’m a 25-year-old child over here, okay?

Doing my taxes was a breeze as a “regular” employee. Fill in the blanks, a couple quick calculations, stick a stamp on it: done. I learned I wasn’t alone (90% of taxpayers need help when the season rolls around). More importantly, I realized everyone has to start somewhere.

I’m definitely still learning, but there are a couple of things I’ve picked up along the way…

How to Clear Your To-Do List Today (Without Overwhelming Yourself)

Let me guess.  You have a to-do list and you add to it everyday.

You promptly go through each item and check it off, one after one.

By the end of the day, your list is completely empty and awaiting whatever tasks tomorrow holds.

Not so much?

Since you’re here, reading this article, I assume that it doesn’t go so smoothly. It doesn’t go so smoothly for me either.

You are constantly adding to your list and occasionally checking something off.

Enough is enough. When your to-do list is so full that you forget about things at the bottom, it’s time to change something.

Here’s how to completely clear your to-list today and start getting stuff done, without overwhelming yourself…

6 TED Talks That Will Change the Way You Think About Money

I love TED Talks and honestly, I don’t know anyone who doesn’t.

If you’re familiar with the TED videos, you know what I’m talking about.

They’re edifying, educational and full of wisdom.

My only complaint is that there are too many of them! Which is a very good problem to have.

I have been listening to TED Talks like crazy and I found these six that really stood out. I think they will change the way you think about money in many regards.

Enjoy…

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

​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)

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

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

​​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?

​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

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…

The Top 9 New Year’s Resolutions and Cheap Ways to Keep 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…

How to Read More Books This Year Than Most People Read in Their Life – Part 2

This is Part 2 of 2 in a series. Read Part 1 here.

As we were talking about in Part 1…

We all want to be reading more, but it’s hard to find the time.

Reading is one of the main ways we grow and learn.

If you want to get better at something, read about it. But you know that.

The problem is that it’s hard to find the time to actually do it.

Let’s continue with the next 6 strategies to read more books this year than most people read in their entire life…

How to Overcome Struggles, Be Happier and Take Control of Your Life

Do you want to figure out one of the key to happiness and overcoming life’s crap?

Stop taking yourself so seriously. I’m serious.

If you’re serious about your goals and your dreams, it will serve you well to relax a little.

I’m not telling you to lose your discipline or stop pouring yourself into your life. What I am telling you is that it’s ok to have fun.

What am I talking about? Let’s start with your finances…

5 Easy At-Home Car Repairs You Can Do Yourself

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…

How to Read More Books This Year Than Most People Read in Their Life – Part 1

“I find television very educating. Every time somebody turns on the set, I go into the other room and read a book.” -Groucho Marx

You’re already setting goals and deciding what you’re going to accomplish? Great! What better way to start the year…

We all want to be reading more, but it’s hard to find the time.

Reading is one of the main ways we grow and learn.

If you want to get better at something, read about it. But you know that.

The problem is that it’s hard to find the time to actually do it.

Here are the first 6 strategies to read more books this year than most people read in their entire life…

Are You Letting Fear Control Your Finances?

​​Do you know what could be the most influential part of your finances?

The thing that causes you to spend money and save money. The thing that can easily put you in debt.

Possibly the most common marketing tactic in the world.

Do you know what it is? It’s fear. Often fear of the unknown and, more often, fear of things that never actually happen.

Are you letting fear control your finances? You may not even realize it.

It’s time to stop letting fear spend your money for you.

Let’s look at how fear can control your finances and how you can take control…

13 of the Strangest Coupons Ever

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:

Merry Christmas! Christmas Around the World [Infographic]

Merry Christmas!

This is my favorite time of the year, as it is for many of you.

Today, I figured I would lighten the mood a little bit.

We’ll get back to improving our finances and productivity tomorrow, but for today, it’s a time to relax, appreciate and enjoy everything we are blessed with.

Spend time with your family. Get stuffed with Christmas dinner. Give freely and enjoy this interesting infographic…

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…

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…

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…

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…

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…

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…

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…

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…