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“The goal of retirement is to live off your assets-not on them”
Rule No.1 of living off your assets: You must have assets.
You may plan to retire. You may not.
Either way, it’s a good idea to have a plan for wealth building. You may need it.
So, when do you start planning for it? And how do you do it?
This is my first finance link roundup.
What is a finance link roundup, you say?
It’s simply a collection of the best in finances around the web.
Articles, stories, news, etc.
Here’s what I have for you this month…
In 1982, when Forbes began ranking the richest people in the world, the qualification to be listed was only $75 million.
At that time, there were 13 billionaires on the list.
Today there are over 1,400 billionaires around the world.
From the stock market to businesses to commodities, they are all involved in some form of investing.
Here are some investing lessons we can learn from them…
This is the final article in this 3 part series.
Have you added some of these tips to your life?
After you read these last 7, feel free to add more tips in the comments.
Today you will learn some great tips on saving money with babies and saving money while shopping.
Here are the last 7 tips (tips 15 through 21)…
Would you like to be able to access all of your finances from one spot?
Your bank accounts, investments, mortgage, bills…everything.
Wouldn’t it be great if you could get that for free?
Yes. Yes it would. And you can.
Let’s see what Mint.com can do for you…
Continuing on with this 3 part series, I bring you part 2!
If you missed part 1, don’t worry!
You can check it out here.
Today you will get some great tips for saving on medical expenses, as well as saving on day-to-day stuff that parents are fortunate enough to deal with.
Here are the next 7 tips (tips 8-14) for child-proofing your finances…
From door handles to baby gates to the cabinets under the sink, we do a thorough job of child-proofing our homes.
But do we make sure our finances are child-proof?
With children come new expenses. Expenses that can get out of control if we don’t have a plan.
This 3 part series is part of that plan.
Here are the first 7 tips for child-proofing your finances…
How are your New Year’s resolutions going?
Are you sticking to your goals?
Have you already given up this year?
Did you change your mind? Did you decide it wasn’t for you?
This is probably what happened…
You know the books that are hard to put down.
I mean…you know you should probably be working on a project or doing some household chores, but…the book is just so good.
And you will just read one more page…okay, maybe one more.
Before you know it, you’ve finished the book…in one sitting.
It’s happened to me. Actually, it happens all the time.
With other books, you will find that once you put it down, it’s hard to pick it back up again.
What makes the difference? What makes a great book…great?
I have written an article explaining stocks before, but a stock is not always an easy concept to understand.
We know that a stock is a share. A share of a company. A public company.
But what does that mean? How are stocks formed? How did stocks originate?
Those are just a few of the questions that this infographic answers…
You are your child’s first teacher.
We need to be instilling the “right mindset” even if we don’t have all of the “right information”.
Start instilling the right mindset by watching what you say and possibly changing what you say.
These are 4 things that you should never say to your children about money…
There is a word.
A word that you have heard me use many times.
A word that has changed spending, saving and investing.
What is the word, you say?
Don’t pretend like you don’t know. The word is…
You have heard the term 401(k) before.
You know it has to do with retirement.
You may even contribute to a 401(k), but do you fully understand it?
It’s simple to understand what it is and how it can help you.
Let me explain…
Handling money. Getting out of debt. Credit cards. Buying a house.
We learn all about it in school, right? Not so much.
Personal finance is a topic often forgotten in our school systems.
Why is that? Government conspiracy, perhaps? Not enough time in the day?
Honestly, it doesn’t matter and you can’t change what you weren’t taught, but you are fully capable of changing what you teach yourself and who you listen to.
That’s what this is about…who you listen to…
This is a list of 18 one-sentence tips that will drastically improve your finances. These are quick tips, but they will surely make a huge improvement if you take them to heart.
Remember, just because you have heard some of these before, doesn’t mean you actually absorbed it. Read the list slowly and see if you can implement some of these, especially things that you may have “already heard”.
Hearing alone doesn’t help. It’s about acting and implementation.
Without further ado and in no particular order, here are a total of 18 One-Sentence Tips for your finances…
This is a great infographic that explains the things that are stealing your time and your productivity.
Here are some of the things that could be killing your productivity:
- Your email
- Your desk
- Other people
- Impossible to-do lists
What can you do to fix it? Read on…
Do you remember the things “you used” to be able to do?
What about the things you “used to” have?
This applies to your finances, but it also applies to almost every other area of your life.
So let’s get to the point.
Stop talking about the past and start living in today. How often do we hear things like this…
Do you want to be more productive?
Do you want to make the most out of the time you are given everyday?
I know I do. I am always looking for ways to become more productive.
What about productivity in your finances?
It’s productivity week here at MoneyMiniBlog and I was fortunate enough to be able to interview the Productive Superdad himself: Timo Kiander.
Let’s see what he can teach us. Here is the interview…
It’s tax refund time again!
You have been waiting for it, now you have it, and you want to use it to get closer to your goals instead of blowing it. How responsible of you!
If you don’t plan how you will spend it, then it will just slowly disappear in your account, right? Well, if you have a budget, that shouldn’t happen, but you definitely need a plan for that money.
Before you get to the 33 ideas, here is another perspective…
A DRIP (Dividend Reinvestment Plan) is great for the small investor.
If you personally want to invest, but feel like you don’t have enough money, a DRIP is a great starting place for you.
You don’t need very much money to get started and you don’t have to keep pouring large amounts of money in.
This following article is a guest post by Michael Vincent. You can read more about him at the end of this article.
Most people, if asked about their financial goals, would instantly say they want to be rich, or to have the financial freedom of being able to buy or pay for anything their heart desires. Saving money is rarely ever on the top of anyone’s list.
Investor Warren Buffett himself strongly believes in the value of saving, despite having billions of dollars to his name. You might want to pick up a pointer or two from one of the world’s richest men…
There is a popular phrase that is poisoning our minds when it comes to how we think about money.
Are you dooming your finances to fail by using these words?
I’ll cut to the chase, the phrase is:
“I can’t afford it”
It’s usually used as an excuse and it looks like this…
What do you do when somebody comes up to you on the street and asks you for money? How do you respond?
Do you give it to them?
Do you say “sorry, I don’t have any money” (even if you really do)?
Do you hesitate to give, because you feel like giving money to someone on the street, whether they are panhandling, begging or homeless, could be enabling their “habits” and not actually helping them?
Let’s talk about the last one: enabling their bad habits…
Love them or hate, credit cards are everywhere, but where did they come from?
When were credit cards invented and why?
Did companies ever imagine credit cards becoming what they are today?
We all know that most people who carry a credit card carry quite a bit of debt along with it, so let’s look into the original intention of the credit card.
This is a great infographic…
How often do you talk about money in your home? What do you teach your kids about money?
Money can be somewhat of a taboo subject. The worse-off someone is financially, the more they don’t want to talk about money and that can make things even worse.
Financial problems don’t just go away by not talking about them.
You’ve heard “the first step to recovery is admitting you have a problem”? That applies to money too!
Don’t be afraid to talk about money.
Bitcoin is a new term compared to most other forms of currency.
Bitcoin is now a real and fairly popular currency, so you should probably know a little bit about it.
When you ask Google what Bitcoin is, this is the first thing you will get:
“Bitcoin is a peer-to-peer payment system and digital currency introduced as open source software in 2009 by pseudonymous developer Satoshi Nakamoto. It is a cryptocurrency, so-called because it uses cryptography to control the creation and transfer of money.”
Basically, a bitcoin is…
You’ve probably seen the commercials. Credit Karma claims to offer you a free credit score with no strings attached.
Is it true?
This is my Credit Karma review after using it for a few weeks and though I have only been using the service for a short time, I already love it.
When you think about being responsible with your money, a budget may be one of your first thoughts. In my Beginner Series, I tell you, point-blank, that you need a budget.
Can you really live without a budget? The title of this article makes it seem like I was misguiding you when I said that you need a budget, doesn’t it?
These tips are actually a collection of 15 great articles on making money from around the web. I personally read all of these blogs regularly.
I have read all of the articles listed and I didn’t include any junk!
There are actually way more than 15 tips in all of these articles.
It’s more like 15 resources with 100s of tips!
I tried my best to NOT include articles with generic tips. I’m sure you will learn something new.
Here we go…
You have probably heard a lot about penny stocks. I’m sure you have seen ads all over the Internet that advertise things like “Get rich with penny stocks!” or “Turn pennies into thousands!”.
Well unfortunately those ads aren’t very realistic.
I know, I know, it’s surprising to find something on the Internet that may not be true. Is it possible to make a lot of money with penny stocks? Sure. You can make money with anything if you are good at it or lucky, but it’s definitely not for everyone and it’s not really investing.
So what exactly is a penny stock?