The Financial Freedom Blog - Your Online Resource for Prosperity

Virtual Letter to Steve Jobs - Thank You

Thu, 06 Oct 2011 18:51:49 GMT

Dear Steve, You don't know me and I don't know you...personally. However, I want to express my gratitude to you because you have made an impact on my life. We are in an age where we have options, more options that we can even comprehend. And I know the "argument of options" that you are familiar with is: PC vs MAC. I have both a PC and a MAC. But rather than tell you which I thought was better or worse, I'd like to zoom out and let you know how your innovation has impacted me. I was never a runner. I only ran if I had to. If it were basketball, I could play for hours...but I hated running. I couldn't run for more than 5 minutes. Earlier this year, my wife convinced me to run a marathon. It was a huge goal that I never thought I would ever accomplish, or even set. The one thing that helped me train and ultimately finish, other than my shoes, was my iPod. It was the one thing I knew that could motivate me during my entire run. Sometimes I would search for hours looking for music to run to. I would download audio courses to grow my mind. I would rip comedy routines and actually laugh aloud while running. Bottom line is, you helped me finish my marathon. You helped me become a healthier person. You helped me become a better person. You will be missed. On this day, I won't mourn your death, I'll celebrate your life. Here's to you...and my run tomorrow morning. Thanks Steve, Bernard

What to take away from 9-11

Mon, 12 Sep 2011 15:11:25 GMT

On the anniversary of 9-11, I remember and pray for the lives lost and impacted from the horrific tragedy. Sometimes I sit back and wonder, "Why did this happen?" I believe no matter how bad the situation is, we can learn from it. After 9-11, we saw our country come together like I have never seen before. We saw everyone do their part in helping each other heal and rebuild. Today, we seem more divided. But I'm always hopeful that the best shines through all of us. We've seen that after 9-11. One thing I think we can take away from this is thanking God (or whatever higher power you believe in) for everything we take for granted. There are so many things we can be thankful for...we just need to take the time to do it.

Begin with the end in mind.

Thu, 08 Sep 2011 00:55:04 GMT

In my high school education, I also saw the end in my mind that I was already in college. And truly it came through. It is really true that success is

Child Savings - 4 Tips to Making it Fun for the Both of You

Sat, 03 Sep 2011 02:20:01 GMT

Teaching child savings habits is important to your children's financial well-being. This golden lesson is a great way to spark their financial intelligence.

How to be happy...when no one is

Mon, 29 Aug 2011 14:14:38 GMT

How to be happy in today's world is simple. All you need to do is one thing.

Stopping Identity Theft

Sat, 27 Aug 2011 14:54:05 GMT

I found a credit card at the park today when I was running with a friend. Of course, I called the credit card company when I got home so they would know to shut down the card. I did my good deed for the day. =) But if I had talked to the guy, there are several things that I would have told him to do to protect himself from identity theft. There is one IMPORTANT thing he didn't do on the back of that card. Check out several ways to prevent identity theft.

Save Money on Groceries with a Few Simple Changes

Thu, 25 Aug 2011 02:41:19 GMT

Can you save money on groceries, your health, and the world at the same time?

Why I must be financially free and independent

Mon, 22 Aug 2011 18:48:26 GMT

I must be financially free and independent, so that I may help others discover and develop their own God given potential for success and achievement in

Your First Credit Card - 7 Things You Must Do

Sat, 20 Aug 2011 02:38:21 GMT

Your first credit card can be scary, especially if no one teaches you how to use it. Learn the 7 things you must do.

Pre paid credit cards are great...except for one MAJOR thing.

Thu, 18 Aug 2011 01:36:31 GMT

Pre paid credit cards are great if you have bad credit or no credit. But, are you wasting your time?

The Cashflow 101 Game - A fun way to learn about money and wealth.

Sun, 14 Aug 2011 04:05:11 GMT

The Cashflow 101 game combines financial education and fun in a single setting. Are you game?

The Cashflow Quadrant - A money lesson that opens your eyes.

Sat, 13 Aug 2011 01:19:27 GMT

The Cashflow Quadrant, by Robert Kiyosaki, reveals why you may never be wealthy.

Debt to Income Ratio Calculator - Use it for FREE!

Thu, 04 Aug 2011 03:44:08 GMT

Our Debt to Income Ratio Calculator is quick and free. Find out if you are

Debt to Income Ratio - How to Calculate and Understand It

Wed, 03 Aug 2011 03:10:54 GMT

Your debt to income ratio is important to lenders. Learn how to calculate it...and reduce it.

Social Security Retirement Benefits - The end of an idea...or the beginning of failure?

Sun, 31 Jul 2011 03:07:11 GMT

Social Security Retirement Benefits may be ending soon. Should you rely on this faulty solution?

History of Social Security - The world's largest con-game?

Thu, 28 Jul 2011 01:33:33 GMT

The history of social security gives you a glimpse as to why this system will fail.

The Rule of 72 - How to double your money.

Sat, 23 Jul 2011 03:06:07 GMT

The Rule of 72 is a simple calculation to show you how fast, or slow, your money will double.

Time Value of Money - A simple principle that you must know.

Thu, 14 Jul 2011 02:26:08 GMT

The time value of money is a simple concept that, if understood, can direct your towards an easier path to wealth.

Pay off your mortgage early?

Fri, 08 Jul 2011 04:23:29 GMT

To pay off your mortgage early is a big decision. These people say you should. I say...not so fast!

College Loan Debt. Good idea or bad idea and some creative ways to pay for it..

Fri, 24 Jun 2011 04:32:20 GMT

Is taking on college loan debt right for you? In some situations, no. But if you have it, there are some ways to pay it off.

How to Pay Off Credit Cards

Tue, 22 Mar 2011 03:11:21 GMT

How to pay off credit cards the safest and fastest way...and with less money.

Free Online Tax Filing

Tue, 22 Mar 2011 02:44:13 GMT

Free online tax filing can save you some much needed cash. Here are a few tips.

Use Vinegar to Clean Your Shower

Tue, 08 Mar 2011 13:18:13 GMT

Instead of buying a daily shower spray, just fill a spray bottle with 1 part white vinegar and 10 parts water. Spray it around your shower after taking

The Millionaire Next Door - A new breed of money?

Fri, 25 Feb 2011 02:07:06 GMT

The Millionaire Next Door - The millionaires today aren't who you think they are.

The 401k Advice that can gamble your retirement savings away.

Wed, 23 Feb 2011 21:25:02 GMT

Typical 401k advice may make sense if everything is going up. But, does it keep you gambling when you start to lose?

Successful People Fail More Often

Wed, 16 Feb 2011 01:06:44 GMT

My wife told me this quote and wow...that is true. The only reason why successful people are successful is because they fail...and fail often. This means

Why Income Tax Refunds are Bad

Wed, 09 Feb 2011 03:27:48 GMT

People love income tax refunds. I'll take them, but I don't love them. Here's why.

Wealth Without Risk - Impossible or Just Unknown

Fri, 28 Jan 2011 04:28:44 GMT

Wealth without risk? This may be your goal. But is it currently in your plan?

The Meaning of Success

Sun, 23 Jan 2011 03:55:40 GMT

The meaning of success? Some say it's the destination. I say it's the journey.

Life Insurance Comparisons Simplified

Wed, 19 Jan 2011 03:13:45 GMT

These life insurance comparisons give you a straight forward analysis to help you decide on the plan best for you.

Practical Ways To Save Money Now

Sun, 07 Nov 2010 02:59:35 GMT

Practical ways to save money helps during a recession

A Free Credit Score Check Online Makes you a Genius

Wed, 20 Oct 2010 03:36:38 GMT

A free credit score check online is a valuable resource that can stop you from financial disaster.

The Best Quotes on Success

Thu, 14 Oct 2010 02:25:54 GMT

These quotes on success can motivate you straight to the achievement of your goals.

Why a 401k Withdrawal is Always Bad EXCEPT for This One Time.

Fri, 08 Oct 2010 02:33:57 GMT

Never take a 401k Withdrawal before knowing the rules and how it can damage your wealth.

How a Goal Setting Worksheet Boosts your Chances to Achieve Any Goal You Set

Mon, 04 Oct 2010 00:03:22 GMT

Learn how a goal setting worksheet can help you get anything you want.

5 Tax Saving Tips To Keep More Money For Yourself

Fri, 24 Sep 2010 00:51:30 GMT

Learn these 5 simple tax saving tips to pocket yourself more money.

Ways to Make Quick Money - Fast and Simple

Wed, 22 Sep 2010 03:11:15 GMT

These top 10 ways to make quick money are so simple, anyone can do it.

SMART Goals - The Only Way To Get What You Want

Thu, 16 Sep 2010 19:11:23 GMT

Setting SMART goals lets you get what you want faster.

Negotiating Credit Card Debt

Wed, 15 Sep 2010 01:40:45 GMT

Negotiating credit card debt can be intimidating. But it doesn't have to be if you know what to do.

Free Budgeting Tools to Track Your Finances

Tue, 10 Aug 2010 11:31:11 GMT

Our budgeting tools are simple and easy to use. Best of all, they're free. Download your copy now.

Get our budget help and see your true financial state.

Fri, 06 Aug 2010 03:35:00 GMT

Getting budget help is a key factor in personal debt management. See how we did it and how it can work for you.

How 401k Loans Can Kill Your Retirement Plan

Thu, 22 Jul 2010 04:35:42 GMT

401k loans are a bad idea. Borrowing from 401k plans can make an already substandard investment into a disaster.

Review of Groupon - How to save money and enjoy the finer things in life.

Tue, 20 Jul 2010 03:18:02 GMT

Groupon - The free online coupon service that enables you to save money and enjoy life even during harder economic times.

Site Build It Reviews - How others have achieved financial freedom.

Tue, 13 Jul 2010 03:15:57 GMT

These Site Build It reviews helped us make our decision of creating an online business.

Earn or Make Online Money from Home - Is it easier today?

Fri, 09 Jul 2010 04:26:30 GMT

To earn or make online money is an attractive way to create a living for yourself. With technology today, is it easier than ever before?

ING Savings Account - Read Before You Apply

Mon, 28 Jun 2010 03:50:36 GMT

Is an ING Savings Account right for you? Know the fine print before you get one of your one.

Strategies to Save Money - Tips to Save Money and Time

Fri, 25 Jun 2010 07:05:48 GMT

Learning strategies to save money never gets old. However, this should save you time as well as money.

How 401k Investments Promote Gambling

Thu, 17 Jun 2010 04:21:35 GMT

401k investments have been labeled as the way to secure your financial future. But, are they just another form of gambling?

Save Money by Using Ebay

Sat, 05 Jun 2010 05:28:37 GMT

Most Ebay items are tax free. Take advantage of this and save big. Here is an easy way I've saved some cash. Ebay is full of deals. I've purchased

Ways to Prevent Identity Theft

Thu, 27 May 2010 04:22:49 GMT

Key ways to prevent identity theft and protect what is yours.