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


Carnival of Pecuniary Delights #18 – Celebrity Birthday Edition


Welcome to the 18th Edition of the Carnival of Pecuniary Delights!

The carnival touts inclusion of:

Good posts that carnival hosts feel are still pertinent to the times and deserve an encore performance.

So, what can you expect from this carnival? Great posts that are timeless in their usefulness. Could it get any better? There’s something to be said for “oldies but goodies.”

I’ve also decided to use a celebrity birthday theme. With all of the celebrity deaths recently, I wanted to showcase a few famous people’s births that we all know/knew and love/loved. A few may be dead now, but.. that’s not the point :)

Without further adieu, here are the 28 submissions with the 5 editors picks highlighted first.

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Money Hacks Carnival #75 – Get a Job Edition!


Welcome to the 75th edition of the Money Hack’s Carnival.

With the unemployment rate climbing and the economy lingering, I’ve decided to theme this carnival as an employment advice article. I’ve “hidden” 5 foundational tips on how to improve your chances of getting a job. They aren’t ground breaking or anything, but they are good reminders for those that are looking for employment.

I’ve marked all of my editors pick’s with a (*!*) before the article title… so scroll on through and take a peek! There are more than 70 articles, so have fun!

Write a Good Resume.

What’s in a good resume? Keyword density that is applicable to the job you are applying for, personal branding, value added propositions, and

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Save Time & Money by Becoming an Organized Packer


Summertime is primetime for vacations (as evidenced by my work’s vacation calendar). That’s why I have written a post on getting your car ready for vacation and another on tips to get ready for a road trip.

One area where I always falter, though, is packing. I am horrible.

Just a few weeks ago I opened my bag only to find my mouthwash had busted open and all of my clothes smelled wonderfully minty. I typically forget things, so I am used to having to buy an extra deodorant, tooth brush, toothpaste, etc just for my suitcase. I have an extra cell phone charger at both my parents house and my girlfriends house. I’m also the guy who you see frantically puling his suitcase through the

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Networking: Strangers Aren’t Very Giving


How do you improve your financial situation?

  1. Reduce spending.
  2. Increase income.

I, more frequently than not, focus on the “reduce spending” part of the equation. But what about the increasing income aspect? And where does networking fall into line?

socialnetworkingmap

Networking Defined

I have previously posted on different networking methods. The article went over Myspace (some would say the site that started the frenzy), Facebook, and LinkedIn. If you aren’t already aware, LinkedIn is the professional networking site of choice. You find less pictures of people doing keg stands and more job postings and professional groups.

That’s good and all, but is that what networking is all about? Sign up for a website, friend random people as you bump into

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Going Green: Costs Big Bucks, Returns Big Bucks


I recently wrote an article on ways to increase business profit by going green. Each suggestion was something that was relatively cheap when compared to the possible return on investment.

However, relatively cheap doesn’t cut it at a time when we are going through a global recession. With unemployment above 9% and economies crashing from Mexico to Iceland to South Africa, many people think it isn’t the best time to go green.

And they are right, going green costs a lot of money.

But, like most things in life, it isn’t a black and white proposition. There is a grey area. Converting to a sustainable economy starts somewhere, and here are 3 of the popular ways we are doing so right now:

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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.


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