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Financial Education

Robert T. Kiyosaki - Why The Rich Get Richer

Ever wonder why the rich get richer and the poor get poorer? According to Robert T. Kiyosaki, the financial statement of the rich looks like this as shown.

Experienced overseas property buyers all know the positive benefits a new airport can have on a region. Some analysts state that property prices can rise by as much as 25% when a location becomes more accessible. Imagine as an investor how you would feel buying property in an emerging market that has poor communications.

Refinancing is the process of adding a new first mortgage to replace an existing first mortgage and/or any other liens you may have.

How would you like to build up a pile of money for yourself? You may be able to improve your chances of doing this if your investment plan sticks to three basic ideas:

1. Invest regularly.

2. Don't try to "time" the market.

3. Think long term.

Good Debt and Bad Debt

There can be good debt as well as bad debt. Good debt can be described as debt that helps you build equity or increase your net worth. For example, education loans usually are considered good debt because in the long run more education generally translates into higher earning power.

If you're the parent of a newborn or young child, you've probably heard the depressing estimate of the cost of a college education when your child is ready to enter college 18 years from now. The cost of four years in a public college is expected to cost in excess of $100,000; a private school, over $200,000. What's a parent to do?

8 Penny Stocks To Avoid

There are many good penny stock investments available, which could turn a small amount of capital into a small fortune very quickly. However, to discover these you need to know what to look for and what to avoid.

The secret to long-term wealth is stocks, stocks and stocks. Diversifying into bonds, hedge funds and works of art is also a sensible ploy.

All stock investments are volatile, even when you're simply following an index. Unlike an index fund, we're not selecting a pool of several hundred stocks. Our strategies usually require you to hold the top five stocks selected by one of our screens. Also, many of those screens select stocks that are more volatile than average. Even if you build a diversified portfolio of stock strategies, there are bound to be some big swings up and down.

There are plenty of ways of preserving wealth in real terms, protecting against most of the uncertainties that may threaten it and allowing you to sleep comfortably at night.

The reason most people get into debt is because they don’t spend enough time focusing on their finances. You need to get a grasp of where you’re at financially, keep track of your income in relation to expenses and spending habits.

Most investors know who Warren Buffett is.  He is the billionaire investor from Omaha Nebraska that sits down with a pen and paper to fill out his IRS tax forms by hand.  He likes to invest in companies he understands.  He expects to hold on to his investments for a long period of time.

Almost all successful individuals understand the power of leverage. And that success in any endeavor is accelerated by using leverage. You may become successful without using leverage but, you if you aren’t using it, that means you are willing to compromise the level of success, speed, and time necessary to get to each level.

The mentors are, Robert & Kim Kiyosaki, Sharon Lechter and Diane Kennedy, all self-made millionaires. Robert and Sharon are co-authors of the best selling "Rich Dad: Poor Dad" series. Kim Kiyosaki is one of the co-founders of Cash Flow Technologies and is a passionate advocate for educating women about money. Diane Kennedy is a specialized accountant. Here are some practical insights into how the rich handle their money and some of the ways they pass their good money skills on to their children:

What is Inflation?

Inflation is defined as a sustained increase in the general level of prices for goods and services. It is measured as an annual percentage increase. As inflation rises, every dollar you own buys a smaller percentage of a good or service.

The basic difference between term and whole life insurance is this: A term policy is life coverage only. On the death of the insured it pays the face amount of the policy to the named beneficiary. You can buy term for periods of one year to 30 years. Whole life insurance, on the other hand, combines a term policy with an investment component. The investment could be in bonds and money-market instruments or stocks. The policy builds cash value that you can borrow against. The three most common types of whole life insurance are traditional whole life policies, universal and variable. With both whole life and term, you can lock in the same monthly payment over the life of the policy.

The Federal Reserve recently raised its target federal funds rate for the first time since March 2000. This could be just the tip of the iceberg, though, as many experts believe rising inflation and a strengthening economy will spur continued rate hikes for the foreseeable future.

Investors are always looking for the best investments that will yield the most profit. Any investor who can afford the extra cost should consider investing in Hedge Funds. Hedge Funds were started in 1949 by Alfred Winslow Jones, who pioneered non-traditional investment strategies. Jones innovated this new investment strategy by selling short stocks, while buying other stocks (long stocks). Hedge Funds are very similar to Mutual Funds, except that there are fewer regulations on Hedge Funds. As a result, Hedge Funds usually require a much larger investment.

Before you invest your money, you need to understand your investment. Should you invest in stock or mutual fund? You should understand the difference between stocks and mutual funds.

With most real estate markets around the nation recovering from the dramatic price decreases that occurred from 1989 to 1993, many individuals are considering making direct investments in real estate again. As the stock markets spiral ever higher, reasonably-priced equities are getting harder to find. With real estate, individual properties can over time yield substantial returns. In addition, real estate investments offer tax savings that can boost returns.

After you've extricated yourself from any loans, bank accounts, and credit cards you may have shared with your ex, you can turn your attention to building up your assets and financial security. Here are three ways to prepare yourself for a fearless, confident future:

Warren Buffet distinguishes between commodity companies and non-commodity companies. Commodity companies sell products or services that are undistinguishable from the products and services of other companies. Here the customer generally buys on price.

Set up a savings account into which money is automatically transferred from your checking account each month. Once you have saved the minimum required—often $500—move your savings into a higher-interest money market account.

Why Young Families Are Always Broke?
Married, with children: These are the real heroes among us. Mercifully, we're clueless about the financial implications when we take our wedding vows.

Over the years, they discovered that most successful people have 10 traits in common. And that these 10 traits-together-help successful people meet their goals and turn their dreams into reality. How many of these 10 traits do you have?

Lynch is arguably the world's most famous mutual fund manager. Often described as a chameleon, he adapted to whatever investment style worked at the time (growth vs. value). He was one of the first to uncover hidden gems such as Dunkin' Donuts, Pier 1 Imports and Taco Bell. People began to criticize Lynch once his fund surpassed $1 billion in assets in the early 1980s, but the fund rose to $13 billion less than seven years later. He admits to taking plenty of risks while managing the Magellan Fund, but he never suffered a losing year.