Real Estate Investing Advice: Rich Dad Poor Dad by Robert Kiyosaki

By Elwood Misch

Have you heard about the book "Rich Dad Poor Dad"? If you're into real estate investing, you sure did. If you're into a course of getting out of the rat race, you definitely did hear about it too. And of course, you probably know it's author, who's been showing people the ways to getting rich for perhaps 20 years now. No other than, Robert Kiyosaki, a very well-known financing and real estate investing guru.

What can Rich Dad Poor Dad show you how to be successful? His ideas are about thinking outside the traditional box. One of the things he teaches us from the beginning is to not think of making money the old way. Yes, he says go to school and get a college degree. That is very important. But, don't worry about the PhD and working as a college professor. Not that its necessarily a bad thing if you want to be a working stiff the rest of your life.

Rich Dad talks a lot about taking your brain power and creating real wealth through real estate investing. Its actually quite appropriate to talk about that today, since many homes now are in foreclosure. In fact, the principles that Rich Dad Poor Dad teaches is line with age old tried and true principles of real estate investing. The advice he gives is about smart financing for the most part.

For real estate investing to work, one should really know the properties to buy, when to sell it, and when to hold. And the way to know those is by applying Robert Kiyosaki's principles on finding the right properties, getting creative financing and focusing on financial and academic literacy.

Robert Kiyosaki has been followed by many because of his practical ways on how to be successful. He's not the only one teaching it, in fact, he wasn't the first one to teach and talk about ways to be successful. Rich Dad Poor Dad is just one of the many books that discuss about it. However, around his successes, Robert Kiyosaki has also had some controversies.

A lot of people have been questioning and investigating whether the example stories in Rich Dad Poor Dad are true. Many are wondering whether the people in the book do or did exist. Some even have reviewed that the people were made up in order to make the Rich Dad more believable.

I did not know this until recently, but the co-author of his first book, Rich Dad Poor Dad, sued him in 2007. I, like the author, do not know the reason for the suit, but anybody who gets sued, is sued for something dastardly, I'm sure. Frivolous lawsuits can backfire on you.

Regardless of all the controversies, Robert Kiyosaki does give some sound advice about financing and real estate investing through the book Rich Dad Poor Dad. However, it's important to note that his teachings aren't new, and you can always seek some advice from other real estate investing gurus. Whether the controversies are true or not, it is still your call if you want to follow or not follow Robert Kiyosaki.

About the Author:

Elwood Misch, prior to venturing into real estate investing, has been in different types of business and failed. He was saddened by it, but re-gained confidence after reading Rich Dad Poor Dad.

Car Insurance for 17 Year Old's

By John Perkins

When you are buying your 17 year old car insurance there are some things that you need to take into consideration. You need to decide how much coverage your teenager will need. You will also need to decide who will be paying for your teenager's car insurance. Another thing that you should take into consideration is your budget for car insurance.

Car insurance for a 17 year old is not difficult to obtain. You should start by getting insurance quotes from several different insurance companies. This will help you to find the best rate on your car insurance. You have a few different options to obtain quotes for insurance. You could get out a phone book and call different insurance companies to obtain quotes. You will need to tell the insurance companies that you are interested in getting your 17 year old car insurance.

If you want to save sometime you should try looking online for 17 year old car insurance quotes. Many site offer quotes from several different insurance companies. This can be a very helpful tool when you are shopping for car insurance for your teenager.

Another option is to call an insurance agent. An insurance agent will be able to help you obtain insurance for your 17 year old. They will take down your information and call you back later that day with an insurance quote.

When you are deciding how much insurance your 17 year old will need you should take into account how mature your child is. If your teenager is accident prone then it might be smart for you to obtain full coverage insurance. If your child is fairly responsible then you may want to purchase the state minimum insurance. You should keep in mind that state minimum insurance will only cover any damage done by the driver to another vehicle. State minimum car insurance will not cover any damage done to the vehicle if the driver is at fault.

The state minimum coverage is the least expensive. While it may sound like a good deal, if the vehicle you are trying to insure has a lien on it, then you will be required to carry full coverage. Once the vehicle has been paid off the bank will lift the lien and you can drop the coverage to the minimum if you would like.

You and your teenage will need to sit down and discuss who will be responsible for paying for the insurance plan. Many parents will tell you that insurance for 17 year olds is not cheap. If your teenagers is going to be paying for their own car insurance then you will need to set firm consequences for not paying their insurance bill before you add them to your own insurance plan.

Family and friends will be able to give you advice on purchasing 17 year old car insurance if you talk to them. If they have teenagers ask them who they bought their insurance through. You may find out about a really great deal just by word of mouth. Most people will be happy to tell you about their experiences with different insurance companies.

Remember buying your 17 year old car insurance does not have to be stressful. Take your time and plan to find the best rate before making a purchase. By shopping around first you will be able to find a great rate on car insurance for your 17 year old.

About the Author:

John Perkins offers advice and great tips regarding all aspects of Car Insurance. Get the information you are seeking now by visiting Young Drivers Cheap Car Insurance

Tips in Choosing the Right Backpack Diaper Bag

By John Vincent Rhodes

Every family would prefer to bring their baby in any place they go. They would make sure that baby's stuff are all placed in one piece of gear wherever they may go. From among the many types of diaper bags, you can go for the kind which will not demand hand use.

There are many things that you need to consider when buying the best backpack diaper bag. Here are some of them:

Design and style: No parent would like to bring the bulky diaper bag type when there's one that comes in a sleek and compact design which can pass off as an accessory. Fathers are more likely to carry this type of diaper bag than others as well. A diaper backpack bag should fit the shape of your spine so as not to get in the way of the airflow. It must be lightweight and easy to carry, with padded straps to make the carrying parent be more comfortable in using it. It should be able stand upright when put down. This will enable you to organize baby's items easily.

Useful features and add-ons: A diaper backpack that has changing pad as an add-on item is a good choice. A baby's changing pad can be an essential item to add in the package since changing baby's diapers will be harder without it. You can get a backpack diaper bag that insulated pockets to keep the right temperature for baby's milk. These insulated pockets will make sure that baby's milk will have the temperature it needs to prevent spoilage. The right choice would be a backpack diaper bag that has a clamshell opening where it zips out from one end to the other, allowing you to get items or organize them inside the bag.

What It Is Made Of: It should be made of material of high quality that would last long and one that's easy to wash by machine. Don't use a material that will easily snag or get torn. A diaper bag should be for heavy duty since you will be using it anywhere you go with baby.

The cost: With a price of $80 to $150, you can get a high-quality backpack diaper bag. You have to take stock of your priorities. You can choose the designer types but be ready for a more expensive buy. Try to choose one with a less price but still of good quality, especially when you want to change diaper bags every so often and when a new baby is coming.

Ever available: Don't go for a backpack diaper bag that demands you to travel to another place only to buy it. You can choose from among good quality ones online and you can be sure that they are delivered on your doorstep.

About the Author:

John Vincent is very much geared with knowledge about different items relating to babies particularly a backpack diaper bag in which he became interested with since the first time they were blessed to have a baby. You can check his site here: backpack diaper bag

Ways to Increase Personal Savings

By Chris Blanchet

When it comes to repaying debt, a lot of people will review their personal savings rate, or PSR. In plain English, your Personal Savings Rate is the amount of income that you do not consume. The average PSR in the United States has hovered around 4% but given the recent economic problems and depressed consumer confidence, that level has recently touched as high as 6%. With an increase to PSR, people are finding they are better able to repay debt and weather future economic crises.

When it comes to increasing our PSR percentage, there are several things we can do. For example, spending only 80% of what we normally spend on discretionary living expenses (that means spending just $800 for every $1,000 we spend now), we will not only become better money managers, but we will manage to save enough to lead to extravagant lifestyle in retirement. Here are some more steps that we can take to increase our PSR:

Start By Making a Focused Effort

The easiest starting point is starting a separate savings account. Beginning with a nominal amount, say $50 of every pay check, will increase the chances of success and allow you to adapt rather easily. With time, you can increase the amount, but starting small will allow you make the necessary adjustments to your budget. More importantly, simply setting up a separate savings account allows you to mentally prepare for becoming better off financially.

Create a Budget

Chalk down a budget. Don't go too stringent at first. Allow room for unexpected expenses so that you are ready for them when they arrive. Instead cut down on discretionary spending arenas like entertainment and going out to restaurants. Maintaining a budget that helps you save up to 20% of your monthly expenditure would be your first step towards increasing your personal savings rate.

Discipline and Persistence

Be disciplined all along. This is not something that you have to do for a month or two and then revert to your normal spending habits. Keep a long-term perspective in mind to gain maximum benefits.

Patience is a Virtue

Be patient. Refusing to spend on many things that you might not have thought about earlier is not going to be simple. Nevertheless, it isn't impossible either. Patience is an asset when it comes to adding to your personal savings.

Practice Self Control

Keep your flexible and open spending habits to the minimum. Now that you are on a budget, you cannot go out and buy the latest products in the market especially if you do not need them.

Monitor Progress

You would also require keeping a track of your spending habits. Remember to keep a close track so that you can work on it to improve it further and to stay focused on your long-term savings goal. This might mean recording every dime you spend or simply matching balances at the end of the month to your budget.

Allow for Adjustments

Lastly, you will want to leave room for adjustments. Every plan in life needs to incorporate flexibility if it is to succeed. If you find yourself behind plan, rely on flexibility to get yourself back on track. Flexibility is essential when it comes to maintaining a successful budget.

In conclusion, increasing your personal savings rate translates into longer-term financial independence. When financial crises strike next, you will be better equipped to handle them. Furthermore, establishing a plan early will reward you with greater financial control down the road, and when you reap the rewards in the future, you will wonder how you ever survived any other way.

About the Author:

With more than 16 years in the financial services industry, Chris Blanchet has helped thousands of people improve their financial lives. He is the author of Help Fix My Finances, a personal finance program of the same name. He maintains a Debt Free Blog at How to Repay Deb.com.

Labrador Training Techniques Using Sound to Stop Bad Behaviour

By Ian Brown

The fastest, easiest, most effective approach is to recreate the undesired situation in a controlled setting, and correctly use sound distractions with praise to erase the misbehavior. Dogs can learn or unlearn almost anything in four properly conducted repetitions.

The 4 steps we are going to describe should be carried out in different places. We are going to try to get inside our dog's mind to understand him better in order to start our work.

They think, have a sense of humor, communicate, tease, lie, steal, etc. just like any one else. But, they don't think human. Dogs are limited to thinking like dogs. It's your responsibility to think things out from their perspective and try to use good judgement.

You have to be consistent so as not to confuse. Using conditioned reflex, you will be able to effectively change any behaviour you choose.

We will be using a set of cans in our demonstration. These allow us to change the direction of the sound quite simple by moving the string. This is all we need to change a behavior. We are going to create sound and follow it immediately with praise. What you do is let the unwanted behavior begin nad create a sound from a different direction, and then praise him.

What you do is create the sound every time bad behavior starts and follow that with praise. You will have to so this several times in order to change his conditioning. It takes persistence.

The value of this training method is that you can use it now and forever, for anything that you want him to do. It is so effective, that should he not perform as you expect, then he is most likely rebelling against your authority.

You will soon come to enjoy this process because it really works well and you can take satisfaction from knowing how to change behavior. Do bear in mind that this is changing existing behavior, not teaching new behavior.

About the Author:

Our full book on labrador training is a great aid to training your dog obedience in all situations. Training puppies needs some extra easy steps to help you bring him up and simply have more fun with him.