Here at last — the epic showdown between Dave Ramsey and Robert Kiyosaki!

Here at last — the epic showdown between Dave Ramsey and Robert Kiyosaki!   Okay, maybe that title is a little dramatic. But you’re reading now, so it must have worked. People often ask me which book will best teach them how to eradicate debt and become financially independent. Usually my answer is Rich Dad Poor Dad by Robert Kiyosaki. But I have also read Dave Ramsey’s The Total Money Make Over, and I believe its approach is likewise beneficial. So the question is, which one is best?    Well,…

Planning for the worst hoping for the best

debt free couple

I recently read a disturbing comment posted on a Facebook group that was devoted to debt-free living: “Life happens and we have no control.” The comment illustrates a certain thought process, one we all know exists, one to which you may even subscribe. The member who left it was recounting his hardships, trying to explain why he had fallen into debt and, as a result, had become a worse credit risk than Bernie Madoff. I had to bite my tongue — or rather, refrain from my keyboard. After all, I…

How to get free stock trades….really free!

Free Stock Trades

How to get free stock trades….really free!     When trading with smaller amounts of money usually getting a good return is limited by the cost to enter and exit the position. Even with some of the discount brokers on the market the costs of purchasing and selling a position can range from $10-$20.  This may not be a lot when making 5 figure trades, but this adds up when you’re dealing with smaller purchases.     On a $500 trade, $6 trades in and out equal almost 2.5% of…