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Is Robert Kiyosaki a Fraud? Examining the Evidence

Rich Dad, Poor Dad was one of the first books I ever read on finances.

I figured out about the book through a network marketing business I was involved with, though that didn’t really end well.

I enjoyed the book. I felt like it changed my mindset – mostly the way I thought about money and college, but a few years later, I started to notice that Robert had his fair share of naysayers. Most successful people do, so I didn’t think much of it, but then I read that he may be a fraud.

Furthermore, I learned that he may not practice what he preaches and that’s a big deal to me. If I’m going to learn from someone, I want to make sure they have achieved the results I am looking for; otherwise, I’ll go find someone who has.

That’s when I decided to do my own research. Here’s what I learned…

Should You Use a Resume Writing Service? (And the Importance of a Resume)

An exceptionally important document, there is now no doubt that a resume is a critical part of active job search.

It forms the basis of attaining a lucrative designation at imminent industries and organizations.

Due to the significance of this piece of paper, much advice has been rendered regarding the different ways to draft a crisp and succinct resume.

Numerous formats are floating around in the employment circuit ranging from traditional to modern, effectiveness of which depends on the target institution and available job profile.

The Top 10 Best Productivity Podcasts Right Now

“There are few uses for a smart phone that are more productive than listening to a good podcast.” -Abraham Lincoln

If you’re into podcasts, you know there are thousands to choose from.

It can be overwhelming to find the best ones. And how do know which podcasts are the best? Reviews? Ratings? Recommendations?

I’ve been listening to podcasts for years and I’ve listened to the good and the bad.

I could put together a list of the top 100, but I’ll save your time. Why subscribe to hundreds of podcasts when there are plenty of old episodes to go through?

Even if you just listen to few, you’ll be busy browsing the archives for months if not years. So here are the top 10 best podcasts on productivity for 2015…

Digit Review: The Easiest Way to Save Money Ever

Sure, you can set an automatic transfer from your checking to your savings each month, but with that you still have to set the transfer amount.

With Digit, you don’t even have to do that.

It’s an intelligent service that not only saves your money automatically, but it determines how much to save by how much you can afford. You literally just link your account and forget about it. Digit does all the work for you.

I had a few questions, so I set up an interview with the founder of Digit. Here’s what I figured out and how you can use Digit for automatic savings…

The Real Cost of Cable TV

Do you have cable? If so, how much do you pay? It might be more than you think.

I have internet. You probably knew that. However, I don’t have cable. You may have known that too. However, my internet provider offers cable packages, as most do.

This month, I received a letter from my internet provider informing me that basic cable is now free. Yes, free. As long as you don’t want billions of channels, you can now watch cable TV for free. You can also get a home phone line for free, but does anyone really remember what that is?

Apparently, basic cable is considered a “need” in the U.S. now. That’s why they’re doing this. The government says people need the news, thus, people need basic cable. If that were the case, one would think they would only give you the news channels for free. I guess that would make too much sense. Either way, I’m sure everyone who is getting it for free is only watching the news anyways, right??? Yeah…I know.

When I got this letter, my first thought was “oh, we could hook it up and have basic cable” and then my wife and I started to calculate the real cost of cable. Beyond the monetary costs. You might be surprised…

4 Great Strategies For Paying Off Student Loans

You’ve graduated college, now your student loan forbearance or “grace period” will end soon and you don’t know how to formulate a payoff strategy.

For those who don’t know where to start, below are 4 tried-and-true strategies to help jump-start your loan payoff…

How to Have the Most Productive Road Trip Ever

When my wife and I first figured out we would be making the 20+ hour drive from the mid-west to the Amish country of Lancaster County, we decided that this was going to be our most productive road trip ever.

We knew that the more things we could do along the way, the more productive the trip would be and the easier it would be for us to make the drive, especially the trek that seems like a million miles across Tennessee and Virginia.

I’m writing this article right now as my wife is driving us down the road and helping me brainstorm ideas for new articles…

15 Things You Should Buy From the Dollar Store

Dollar stores are interesting because they make their money by charging a dollar for everything.

So that means things that are typically $2 or $3 are only a dollar at the dollar store. That also means some things that are typically 50 cents are also a dollar at the dollar store.

Then there are stores like Dollar General, which isn’t really a dollar store at all, if you’re going off the “everything’s a dollar” idea. I suppose Dollar General just means everything is generally…close to a dollar, which is more accurate, but still a little shady if you ask me.

I want to be clear that this list is talking about dollar stores where everything is actually…*drum roll please*…a dollar. Dollar stores can save you money, but if you use them for all your shopping, you may be wasting some money. Also, it’s worth noting that some dollar stores accept coupons and that can be quite lucrative, so check into that with your local stores.

Here are 15 things you should generally buy from the dollar store and some ways to save even more money…

5 Easy Strategies to Gradually Adopt Healthy Eating Habits

A couple weeks ago I wrote about the most important element of your productivity.

I talked about how energy is the foundation of your productivity. Without energy, you’re not going to do much at all.

Exercise is a big part of that. But a bigger piece of the energy puzzle is your diet.

How are your eating habits? Do they promote energy or diminish it?

If you want to adopt a healthier lifestyle and start eating better, I’ve got good news! It doesn’t have to be difficult and torturous. It’s actually quite simple. If you take it slowly.

Here are 5 ways to gradually adopt healthy eating habits over time…

Insurance Inflation: Why You Need to Pay Attention

I’m sure you know you should always read your insurance polices carefully.

Insurance companies like to make you think they are offering more coverage than they are. They also like to distract you from reading the fine print.

In fact, some insurance companies can completely drop your coverage just because you use it.

What?

That’s right, in certain states, insurance companies are allowed to drop you if you file a certain amount of claims within a certain time period. In several streets, you only have to make two claims before they can decide that you’re not worth it and drop you.

Those are all great reasons to watch your insurance company like a hawk, but we’re actually not here today to talk about insurance companies. Yes, be aware of all of those things, but there’s something else you need to be aware of and pay attention to: your health insurance.

Yes you need to check your coverage and read the fine print, but who you really have to watch is not the actual insurance company, it’s the places that take your insurance…

5 Pitfalls of Procrastinating to File Your Taxes (And How to Avoid Them)

When the calendar turns to a new year, it’s time to start thinking about doing your taxes.

Many people procrastinate on this process, waiting until close to the April 15th deadline to get going. There are many reasons why it’s a bad idea to wait to file.

The smart people get going as soon as possible, and they reap the rewards of early filing.

If you’re wondering whether you should get ahead of the crowd on your taxes, here are some pitfalls of procrastinating and a few reasons why it pays to get the ball rolling right away…

The Ultimate Productivity List: 75 Books to Boost Your Productivity

I just released the top 75 books on personal finance and it was insanely popular.

Now it’s time for the “best of the best” productivity list. Yes, that’s a total of 150 books I’m recommending. I hope your to-read list is growing! I’m here to help with that.

I’ve been reading on productivity for years. Just like with personal finance, I’ve read some amazing books and some…not so amazing books.

I’ve decided to leave the not-so-amazing books out off the list. You’re welcome.

These books are not just the best books I have ever read on productivity; they are books that have changed my outlook (for the better) and helped me to achieve things I never would have believed I could do. Prepare to seriously become more productive…

The Ultimate Money List: 75 Must-Read Books on Personal Finance

There I was. 21 years old. $24,000 in debt.

I thought it was normal. I thought everyone had car payments. I thought debt was the only way of life. The American way.

I also couldn’t sleep at night, because I was so stressed. I had no plan for an emergency, other than to go into more credit card debt.

That’s when I got angry. A good motivating, driving anger. An anger that ultimately lead me and my family out of debt.

I realized that debt was controlling our life. And I wanted to be in control. So, I started reading…

How to Write a Perfect Introduction to Your Resume

A resume is essentially a document for selling your skills and work experience.

However, if you directly jump to the work experience section from your name and contact information, recruiters will lose interest in your profile and it will leave a bad impact. Therefore, it is necessary to come up with a good introduction for a resume or CV (Curricula Vitae).

We all know the importance of the competencies and work experience section for a resume. But do we ever place the same importance on writing a good introduction? The answer is usually no.

This is one of the reasons why even a well written resume and a deserving candidate get no response from the recruiter.

A good introduction to a resume is as important as dressing well is for an interview…

The Most Important (And Most Forgotten) Part of Your Productivity

I’ve read articles, books, guides…pretty much anything you can think of, but I’ve noticed there’s something that gets skipped over a lot.

This is probably the most important part of productivity, yet it’s usually mentioned in a sentence or two and then forgotten.

What is this mysterious piece of the puzzle? I’m glad you asked, let me tell you…

Habits of the World’s Wealthiest People [Infographic]

From Warren Buffett to Oprah Winfrey, there are some common traits in the habits of the richest people in the world.

And I’m not talking about the habit of inheriting a lot of money.

That seems to be one of the main reasons people think they can’t become wealthy. They think that the rich come from rich families and they never had to work for anything in their life.

Not true. At all. In fact, most of the richest people either work or have worked harder than any of us and that’s exactly why they are where they are.

As you’re about to see, 68% of the 400 Americans on the Forbes 2013 “billionaires list” are considered “self-made” billionaires. Meaning they built, rather than inherited their fortune.

That doesn’t really tie in to the belief that the rich didn’t work for their money. Of course, as we all know, the point is to make your money work for you, but sometimes that takes work in itself!

Let’s see what we can learn from the habits of the wealthiest people in the world…

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…

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