Awesome Hip Hop Songs About Money

Awesome Hip Hop Songs About Money

Every now and then I get in a phase where I will mostly listen to one genre of music. Sometimes its progressive rock,sometimes its punk rock, sometimes its electronica indie. Right now it just so happens to be what they call "Backpack Hip Hop." Backpack Hip Hop - Mainly consists of local underground rap/hip-hop music artists only. The sub-genre or sub-categoration of the music means nothing, as long as they are a local unsigned (no recording contract) artist. I don't regularly listen to gansta rap or anything of that nature, but the backpack genre is really catchy to me. These 4 songs don't necessarily fit neatly into that category, but musically they share a lot of similarities.

7 Ways to Reduce the Cost of College

7 Ways to Reduce the Cost of College

You are 22 years old. You have just spent the past four years paying tuition, room and board, books, food, utilities, transportation, etc. The worst part is that it is all getting more and more expensive beyond peoples’ expectations. Where does that leave you? In a mountain of debt upon graduation. For some of us that means letting our debt dictate a less than optimal career. If you are a college student (or know a college student to pass this onto!), what is one area that you directly control? The amount of money you make. Why does that matter? Every dollar you make is one less dollar you will have to borrow! One thing to remember, though, is that you shouldn’t write off expensive colleges because you fear debt: ” Not applying

Cash For Clunkers Results Are In

Cash For Clunkers Results Are In

I previously went over cash for clunkers when it first came out. The point of that post was to detail how the program was supposed to work. Since then I have refrained from discussing the program until the results were posted. A lot of bloggers chastised the program heavily and I disagreed with them. So, I have anxiously awaited the results to see how everything panned out. As with all initiatives, both public and private, it is easy to find what could have done better. And that is important! But we often falter in giving programs credit where credit is due. So, on to the hard numbers… how did the program fair? Results Total Cars

Is Tenure Right in 2009?

Is Tenure Right in 2009?

“You’re fired!” Trump is famous for those two words. They’re also a pair of words that most of us dread. But what if it was almost impossible for your boss to let you go? Imagine that just to fire you, your boss would have to dedicate countless hours of time, sift through mountains of paperwork, and set aside thousands of dollars in court fees. You would be certain that there was little you could do that would cost you your job. As long as you didn’t show up to work naked, or steal large sums of money, you were fine. Do you think your behavior at work would change? Would you take more risks? Would you slack off? Or would you actually put forth just as much effort? If you’re a teacher with tenure

Dairy Farms Relying on Illegal Immigrants

Dairy Farms Relying on Illegal Immigrants

One thing that annoys me a lot is the illegal immigration debate. People say we need immigration reform and I agree! We need to make it easier to get work visa’s and to come to our country. Statistically speaking, we see increased illegal immigration when the economy is doing well and we need labor, and we see a decrease in illegal immigration when the economy is bad. These migrant workers should be allowed to enter our country on a documented basis to ensure we are doing our due diligence to promote safety within our borders. But MLR, what about all of the services they use? The first misconception hardly worth addressing is whether or not they pay taxes. Many pay income taxes using fraudulent social security numbers or ITIN’s, they pay

5 Ways to Fund Your New Business

5 Ways to Fund Your New Business

If you’ve been following my blog since it started, you may recall my short article on why the economic recession is good for startups. Essentially, technology acts as a catalyst to economic recovery which creates opportunity for startups. Recently, I went over the TED spread. Banks may be unthawing the credit freeze between themselves, but they aren’t necessarily being more lax with consumer credit. You could say they’ve learned their lesson. So, if you are looking to start a new business, where can you look for funding (once you’ve created a strong business plan)? Friends and Family Before you start hitting the ol’ family up, try and fund the venture out of your own

To Prepay Your Mortgage or Not?

To Prepay Your Mortgage or Not?

This is a question I have heard discussed quite frequently… especially recently. I’ve heard it from both family members and co-workers. It’s a good question and one I love to hear. Often times I believe the people have reached the wrong conclusion, but the important thing is that they are thinking about their financial situation. If you do the wrong thing but had the right intention, I couldn’t give you more credit. In the end, we can educate you to make the right decision for the right reasons. The Question A typical question might be framed as: My husband and I owe another $60,000 on our house (mortgage) which has a fixed-rate interest rate of 5.25%. We have


How to Evaluate the Rent vs Buy Decision

Posted on 16 November 2009
Tags: , , , ,

The decision to rent vs buy is a timeless issue. Every renter and every homeowner has probably considered it at some point.

A lot of thought goes into this decision. I would not recommend basing your whole decision on just what the numbers dictate. As with anything financial, there are emotional and personal factors that will influence your decision, even if that means deciding against what “makes sense.”

With that being said, this is an issue that I am in the process of figuring out right now. My g/f and I pay about $1,000/month in rent right now. There are plenty of $200,000 houses around where I live, which would equate to about the same monthly payment.

[...] Continue Reading…

Posted in Real EstateComments (39)

Should Someone Receiving Government Aid Give to Charity?

Posted on 10 November 2009
Tags: , , ,

I was having a philosophical argument with myself (completely sane, right?) about the moral righteousness of someone giving to charity while receiving government aid. This came about after reading a letter to a columnist in the New York Times Magazine.

The letter goes on to state:

I helped prepare a tax return for a man with a low income, about half from unemployment compensation. He had donated 10 percent of the total to his church. If he didn’t need this taxpayer-provided money, he should have refused it or saved it in case his benefits expire. Isn’t there an obligation not to be a burden to others before giving away money?

[...] Continue Reading…

Posted in NewsComments (25)

10 Reasons Why You Should Call Your Health Advocate

Posted on 09 November 2009
Tags: , , , ,

A lot of companies are adding healthcare advocates to the list of benefits for employees. A health advocate offers you personalized guidance to get through the healthcare maze. Say goodbye to the red tape and stress!

Advocates support and promote the rights of the patient in the health care arena, help build capacity to improve community health and enhance health policy initiatives focused on available, safe and quality care. (wiki)

If you haven’t used a health advocate before, they really are great (in my experience). They offer one-on-one guidance anytime you have a healthcare or insurance question or issue. The person on the other end of the phone is often a past or current nurse, medical director, or insurance expert.

[...] Continue Reading…

Posted in InsuranceComments (7)

Dealing with Holiday Financial Stress

Posted on 05 November 2009
Tags: , , ,

As we jump into November, we find ourselves neck deep in the Holiday season. Some stores have already started putting Christmas/”Winter” decorations up. Others are waiting until the end of November when Thanksgiving is officially over.

One thing that the holidays mean is increased financial activity for the economy as a whole. People are busy buying lots of food and lots of gifts.

I wanted to discuss the financial pressures that the holidays bring, and ways to relieve the stress.

[...] Continue Reading…

Posted in Expenses, RelationshipsComments (15)

Drawing the Line Between Family and Financial Advisor

Posted on 03 November 2009
Tags: , , ,

Choosing a financial advisor is an important decision which shouldn’t be taken lightly. There are a multitude of factors you should consider before you decide on who will be helping you on your road to retirement and financial independence.

In some cases you may know someone or be related to someone who is in fact a financial advisor. You may even be tempted to solicit them to be your personal advisor to handle your retirement and estate planning needs. Take it from me, you don’t want your friends or family handling your finances, or any other part of your life.

[...] Continue Reading…

Posted in InvestingComments (13)

See more articles in the archive

Welcome to My Life ROI

I'm MLR. After graduating from college debt free, I decided to write a blog encouraging people to adapt responsible and sensible personal finance rules.


If you or someone you know could benefit from learning about personal finance through both my failures and successes, please get my free financial tips.

Advertise Here

Sponsors

Services I Use

Financial Network

Hot Deals

Reviews

Donate

Reading List

Add to Technorati Favoritesypblogs.compfblogs.org logo great nexusMy Life ROI and - BloggedBlog Directory
Money Hackers Network