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.
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
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
“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
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
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
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
Hi, I’m Evan from stockinvesting101.net! MLR has allowed me to submit a guest post!
Take a quick look at the US Debt Clock. Over the past 3-4 years we have all seen and heard people ramble about the amount of debt our government and our citizens are in, but most never realized it was this bad, including myself.
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The credit CARD Act of 2009 just went into effect as of Feb. 19, 2010. It will affect the credit card companies in a big way, as well as consumers. The major credit card companies say that they will lose as much as half a billion dollars each this year as a result of the new laws. It is important to protect consumers, but is it healthy to stifle businesses in down economy?
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My last post went over my one year anniversary. And then I disappeared.
I did not intend for this to happen, but it did! I’ll give you a little update about what has happened in my life since then, and when I intend to return to my normal posting schedule. I guarantee you that I have been swamped.
So, this has been what’s been keeping me away:
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One year ago today, I started MyLifeROI.com. I just wanted to write about personal finance. I didn’t have a lot of debt. I didn’t have aspirations to be a full-time blogger. I had no expectations of income from this blog. But I had opinions!
How times have changed (obviously not referring to the opinions part ;) heh)
I appreciate everyone who has followed my site for the past year. You make it more enjoyable for me to share my opinions and findings a few times per week.
Here are some of the statistics from the past year:
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I am going to give you tasks that require your attention, memory, concentration and creativity. For example, I am going to give you a puzzle to assemble while throwing tennis balls at a target.
Now, I am going to run three different rounds in a vacuum. In other words, pretend each round is given as if you have no previous knowledge of the exercise. In round 1, I will give you $200 if you perform well. In round 2, I will give you $2,000 if you perform well. In round 3, I will give you $20,000 if you perform well.
In which round will you perform the best?
Most people would say round 3. After all, higher rewards usually drive better results, right? That is the typical line of thinking
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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.
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.
