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 Save $100-$1,000 By Troubleshooting Your Faulty Computer


“Oh, wow. Looks like it’s completely dead! At this point, it’s not even worth saving. You might as well just buy a new computer.”

“Really, we can’t just fix it? It’s only 2 years old!”

Have you ever had that conversation before? It’s pretty common at retail establishments like Best Buy. Sure, they sell services. And services are pretty high margin. But if they can convince you to get a new computer with a monster surge protector, anti-virus installation, customization, and a service plan – that’s a much better sale for them!

How can you avoid that situation altogether? I will go over how to diagnose both software and hardware issues.

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Posted in Expenses, TechnologyComments (7)

Take Your Competitive Resume and Tweak the He#$ Out Of It!


I’ve already given advice on how to make a resume competitive by giving some real life examples of how I changed my friend’s resume. There are so many factors that go into a job offer: A killer resume and cover letter, a great interview, a satisfactory online reputation checkup, etc.

Last week, I went over how to manage your online reputation (including using a service to do it for you). I wanted to go over a few more ways to really tweak your resume. My last post on resume tweaking went over things like putting quantifiable results instead of qualitative results and using more precise language. This post will be a little more general, figuring you are about to apply for a job.

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Posted in CareerComments (12)

How to Smell a Money Scam From a Mile Away


Multilevel marketing scams and Pyramid schemes are nothing new. However, the speed at which these scams can spread is getting quicker and quicker because of the proliferation of the Internet.

When you combine this fact with the state of the economy, it should be no surprise that scam artists are alive and well. Whether they are advertising to you on the Internet to buy a Google advertising cash kit or conning your grandparents into paying $2500 to get rid of their mortgage debt, a bad economy means good business.

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Posted in LifeComments (23)

Don’t Screw Up Your Job Hunt – Manage Your Online Reputation!


The internet seems to be a hard thing for some people to understand. Companies frequently forget that bad customer service stories can reach millions of people in less than a day. Individuals seem to forget that a potential employer can Google their name and find all of their tweets about how much they hate their job and find all of their blackout drunk Facebook pictures.

People in the know call this “Brand Management.” With the proliferation of technology, the brand being sold is YOU. Your online reputation needs to be modeled and crafted exactly as you would like others to see you.

That’s right, you can’t expect to just perfect your resume in order to get hired quickly, you need [...]

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Posted in CareerComments (5)

What’s the Big Freeze Going to Cost You?


In the last couple weeks, we’ve seen record lows for many areas throughout the United States, including the Southeast.

Lower temperatures are straining power companies that are struggling to meet consumer demand. Many Southern farmers are seeing their crops put in danger. Stressed and chilled consumers are finding themselves at the doctors to treat an array of coughs, sniffles and fevers.

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Posted in Budgeting, ExpensesComments (5)

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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.


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