THE MONEY CAFÉ
Money isn't the most important thing in life, but it's
reasonably close to oxygen on the "gotta have it" scale.
Welcome to The Money Café: Where Money Talks with a Conscience:
This website gives you resources for how to make money, how to save money, and how to spend money wisely.
Hopefully, the money resources and financial advice on this website will help you put money in proper perspective
so that you achieve prosperity beyond your wildest dreams.
As income tax time approaches, did you
ever notice that when you put the two words "THE" and "IRS" together, it spells
— Author Unknown
What better way to prove that you understand a
subject than to make money out of it?
— Harorld Rosenberg (U.S. art critic)
The Money Cafe is brought to you by Ernie Zelinski, an innovator and content creator of
best-selling books, websites, and creative free e-books.
Ernie is the author of the international bestsellers How to Retire
Happy, Wild, and Free (over 250,000 copies sold and published in 7 foreign languages) and
The Joy of Not
Working (over 275,000 copies sold and published in 17 languages).
eBook of Money
Inspirational and Sensational Quotations about Money – The Ultimate
Only $2.99 for the Kindle
The 777 Best Things Ever Said about
Investment, Money & Other Online Resources
That Will Make
You Smart and Rich
I've never been poor, only
broke. Being poor is a state of mind. Being broke is a temporary situation.
— Mike Todd
Reading money-related blogs or websites doesn’t have to be a waste of time
or effort. Indeed, your blog reading can serve you well with your becoming smarter and richer.
The following websites and blogs bring you free advice on
how to make money as an expert in your field, how to save money, and how to
spend money wisely. Hopefully, these blogs and websites will help you achieve wealth, prosperity, and financial
freedom beyond your wildest dreams.
1. Retirement Planning on The Retirement
Café: Retirement planning resources and articles including "Winning a Lottery: The
Retirement Plan for Dummies with the Most Bugs to Be Worked
2. Sensational Quotes for Smart People:
Unconventional inspirational quotations on a variety of subjects including age, artists, business, creativity,
dating, education, laughter, life, marriage, money, retirement, single life, travel, work, and
3. Early Retirement Extreme: This is a website and blog by Jacob Lund
Fisker who, having saved most of his income while he was working, found himself financially independent at
30. A couple of years later he started the blog on and wrote a book Early Retirement
Extreme to show others the way to financial freedom. Jacob says that the key is to save 75% or more of
your net income and invest it in income producing assets (bonds and dividend
4. Dream Jobs and Unreal Careers at
UnrealJob.com: If your entrepreneurial fantasy
life and your real job are diametrically opposed, check out this website on how you can leverage your how-to
advice on any topic and make monry at it so that you can leave your boring job and never have to feel imprisoned
5. Benefits of an Economic Recession: How to
Prosper During an Economic Recession: More Than 101 Ways to Benefit from an Economic Downturn: There are many
benefits of a recession that are overlooked by the majority. Economic turmoil can bring out the worst … and the
best … in people. If you want it to bring the best in you, a recession is a time to build some real character.
Surviving happily through uncertain times takes courage and wisdom. Recessions are all about survival of the
6. Retirement Resources on The
Retirement Café: Retirement-Related Websites and Blogs on this webpage. On the rest of the
website you can read articles such as 7 Secrets to a Happy Retirement, Top-10 Dumbest Retirement Moves, and Why
You Should Retire Early If You Can.
7. Canoe Money: Canadian Money and Finance Website,
with News, Columnists, Federal Budget, Personal Finance, Small Business, Finance Tools, Tax Centre, RRSP Centre,
Portfolio, Company Profiles, and Currency Calculator Subjecst.
8. Viral Garden: Blurring the Line
Between Company and Customer: Once a week this blog gives The Top 25 Marketing & Social Media
Blogs which are ranked by the number of subscribers, according to FeedBurner. Run by Mack Collier,
who is a social media consultant, trainer and speaker. He has been actively immersed in social media since 2005,
and in that time, has helped advise, teach and consult with businesses of all shapes and sizes on how they can
better connect with their customers via these amazing tools and sites.
9. Duct Tape Marketing: by John Jantsch
who has been called the World's Most Practical Small Business Expert for consistently delivering real-world,
proven small business marketing ideas and strategies. John Jantsch is a marketing and digital technology coach,
award winning social media publisher and author of "Duct Tape Marketing — The World's Most Practical Small
Business Marketing Guide" published by Thomas Nelson, with foreword by Michael Gerber, author of The E-Myth and
afterword by Guy Kawasaki.
10. How to Change the World: A Practical Blog for
impractical people by Guy Kawasaki.
11. The 4 Hour Work
Week Blog: by Tim Ferris who was nominated as one of Fast Company’s “Most
Innovative Business People of 2007.” Tim is the author of the #1 New York Times, Wall Street Journal, and
BusinessWeek bestseller, The 4-Hour Workweek, which has been
sold into 33 languages.
12. MSN Money Central: Covers Business
News, Investing, Personal Finance, Community, My Money, Banking, Family/College Finance, Insurance, Retirement,
Savings/Debt, and Tax.
13. USA TODAY MONEY:
Financial information on Markets, the Economy, Companies, Cars, Real Estate, Small Business, and Personal
14. AOL Money and Finance: Covers Earnings, Recession,
Financial Crisis, Stock Prices, Crude Oil Prices, Stock Charts, and Personal Finance.
15. Money.co.uk: The Money Comparison Experts can help
you save money and make money. Their product comparison tables, guides and latest news are supposed to empower
you to think differently about money, and make every penny you own work harder.
16. Retire by 40: Forget about Freedom 55. That's for amateurs. It's
really possible to retire by 40. The Retire By 40 blog by Joe Udo explores why it is possible
to leave your day job much earlier than 65. This can be accomplished by aggressively saving and investing as
soon as you start working. Many financial advisers will tell you to save 10 percent of your income for
retirement. This is an OK model for some, but not for people who don't love their jobs. For this reason you
should be like Joe and his wife who have been saving and investing over 50 percent of their take home income for
many years now Your goals can include such things as save money, get out of debt, become financially
independent, pay off my student loans, make money, become a millionaire, stick to a budget, and retire
17. All Financial Matters: A personal finance
blog dedicated to discussing such topics as budgeting, asset allocation, 401K, IRA, cash flow, insurance,
financial planning, portfolio management, and other areas in personal finance. From Money
Magazine reporter Joe Light: "Jeffrey Pritchard, a financial planner in Beaumont, Texas, avoids the
hot-stock hype that pollutes many blogs. In a scary market, his sober posts on index investing, asset allocation
and sticking to your guns are strangely comforting."
18. My Money Blog: "Welcome to my money blog, where
you can see my actual net worth, how it is invested, and my daily updates on making more money and spending
less," says the message to first-time visitors. This blogger, a 30 or so year-old IT engineer from California,
prefers to remain nameless. He goal is to be a millionaire by age 45 even though he has had to experience
failure along the way to real success: buying a house in an overheated
market and deciding to get his wife nothing for Christmas. You can check the home page for his ever-changing
19. Planning to Retire
Blog: By U.S. News and World
Report reporter Emily Brandon tells you how to get ready financially for
retirement and how to make the best of your years as a retiree.
20. Wall Street Executive Library: The
Web's Best Business Sites. Over 1,450 Content Rich Sources for an Informed Intelligent Perspective. News,
21. Gladwell.com: Malcolm Gladwell is a
writer for the New Yorker magazine, and the author of two inspiring, best-selling books,
The Tipping Point: How Little Things Make a Big Difference and Blink:
The Power of Thinking Without Thinking.
22. Business.com: Quickly find anything for your
business including: Money, Accounting, Business, Sales & Marketing, Education, Legal, Software, Finance,
Management & Strategy, Health Care, Office Management, Technology, Human Resources, and Real Estate
23. Dilbert: Humor, Business Absurdity, and the Ridiculous
Meaning of Life to Keep Things in Proper Perspective and Make You Smarter and Richer. The Official Dilbert
Website featuring Scott Adams Dilbert cartoon strips, animation, mashups and more starring Dilbert, Dogbert,
Wally, The Pointy Haired Boss
Bear: This resource is for sophisticated investors. This website is run by a half dozen Ph.D
economists, an historian, and financial professionals. The writers provide individual perspectives on broad sectors
of the economy based on their unique training. They look at topics as varied as worldwide trade and industrial
production as well as US government programs and regulations like Social Security.
25. The Big Picture: by Barry
Ritholtz who is a regular guest on Kudlow & Company, Power Lunch and Fast
Money. Ritholtz is one of the most respected market and economic pundits and bloggers who manages money as his
day job. Multiple posts a day on subjects as diverse as criticisms of the business press, digital media, and key
26. EscapeArtist.com: A website that shows you how
to restart your life abroad. An international resource for those who want to move overseas. An offshore
investment section provides resources for getting a 2nd passport, investing offshore and protecting your assets.
The website has country profiles that assist you in moving to various countries. A large international real
estate marketplace has real estate listings from around the world. There is also
an overseas jobs section which provides current overseas jobs postings.
27. Money Section: Sunday Times
of London: "Making the most of your money," is this
websites motto. "From mortgages to savings, borrowing to consumer
affairs, our collection of tools, services and guides will help you make your money go further. Free financial
brochures on wine investing, saving for your child, saving for retirement, and investment trusts.
28. Blog Tips to Help You Make Money Blogging —
ProBlogger: A Blog that helps bloggers to earn an income from their
blogs. By Darren Rowse who is a full-time Blogger making a
decent living from what was once a hobby and is now a profession. This blog is dedicated to helping
other bloggers learn the skills of blogging, share their own experiences, and promote the blogging
29. Lifehacker: Tips and Downloads for Getting Things
Done: Over the last few years this blog and
website has released exclusive applications, scripts, and extensions that have hopefully boosted
productivity for many people. Of course, with greater productivity comes more money and a bigger
30. Internal Revenue
Service: United States Department of
Treasury. Essential to being a truly prosperous American is paying your taxes with a
smile. "The only thing that hurts more than paying an income tax," stated Lord Thomas R. Duwar, "is
not having to pay any income tax." What's more, an unknown wise person advised, "I know this is a hard pill to
swallow, but earn less money if you want to pay less income tax."
31. Social Security for
Retirement: The three major elements
of American's retirement income are benefits from pensions, savings and investments, and Social
Security benefits. Once you reach retirement age, this U.S. Government
website allows you to apply online for your Social Security benefit. Don't count on having a prosperous
retirement from this as your sole source of income, however.
32. The Retirement Planning
Association: provides resources to its members via a
variety of educational programs. Their members also assist corporations and unions in delivering effective
retirement education programs for their employees and members. A source of relevant information on the changes
in retirement planning for the general public in Canada.
33. The Friendship Café: As the
quotation says, "The richest man in the world is not the one who still has the
first dollar he ever earned. It's the man who still has his best friend." As the feature article
on the home page of this website emphasizes, "A Best Friend Is Much Cheaper than Therapy — and 10
Times As Helpful!" Also "To be rich in friends . . . is to be poor in nothing!"
34. Economist.com: This is the website of
The Economist magazine. "Economist.com is the premier online source for the analysis of world
business and current affairs, providing authoritative insight and opinion on international news, world politics,
business, finance, science and technology, as well as overviews of cultural trends and regular industry,
business and country special reports." Economist.com publishes all articles from The Economist print
35. Bloomberg.com Breaking Money News: A
real-time news service that provides coverage of companies, markets, industries, economies and
36. BBC Business News: Features,
News, and Analysis on the economy, companies, employment, annd market data.
37. Wall Street Journal Business
News: Covers markets, personal finance, careers, real estate, small business, markets,
management, earnings, and world economy.
38. Business Week: Investing, Companies,
Technology, Innovation, Managing, Small Biz, B-Schools, Lifestyle, Green Business, Money & Politics, and
What's Your Story.
39. Los Angeles Time Business Section: Covers Personal Finance,
Small Business, Economy, Energy, Careers, Showbiz, Real Estate, and Autos.
40. 100 Blogs
That Will Make You Smarter: By Alisa Miller includes topics such as Politics, News,
Sports, Higher Education, Technology, International Perspective, Science, and Art. Of course, knowledge in any
subject can make you rich if you apply the knowledge in a way that you can sell it.
41. The Top Business and Economy News from Yahoo:
Find breaking business news headlines and articles on the economy, stock market, investing, and personal
42. Business Standard India: Covers
Markets & Investing, Economy & Policy, Companies & Industry, Banking & Finance, Life &
Leisure, and Mgmt & Mktg.
43. Millionaires in the
Making: Features savers and investors on their way to becoming a
millionaire. "Millionaires in the Making" are smart about choosing
investments and they get a kick out of socking away money. They don't spend frivolously but know how to enjoy
life, they keep an emergency fund, save for retirement and education expenses, and try to keep debt to a
44. Entrepreneur Magazine: Information about
Starting a Business, Money, Sales & Advertising, Marketing, Home Based Business, Management, Human
Resources, and Work Life.
45. Prove That You Are No Fool; Walk Across My Swimming
Pool — Either That or Follow Me on Twitter: Keep on
track with money quotes and other tidbits of wisdom by the author of The Joy of Not
Working and How to Retire, Happy, Wild and Free.
46. Boing Boing: A weblog of cultural curiosities
and interesting technologies. "The best things in life are free." This blog has fascinating graphics and
photos along with interesting posts. Incidentally, this is the most popular
blog in the world, as ranked by Technorati.com. So if you want to make money from a
blog, this is the one to learn from. Remember, as Seth Godin says, "Being average
is for losers."
47. Dosh Dosh: A blog offering internet marketing
and blogging tips, alongside social media strategies. A great blog for indiviuduals such as bloggers,
entrepreneurs, web publishers, marketers, freelancers and small business owners who want use their
websites and blogs to make more money.
48. Mashable: What's New on the Web: Recent Posts include
The 15 Best Tech Ads, "Google: This Site May
Harm Your Computer," Google Blames Human Error for Malware Warning Mistake, Hammertime: The
iPhone App 30-Level, and YouTube Game Debuts.
49. Dow Jones: A leading provider of global
business news and information services. Its Consumer Media Group publishes The Wall Street Journal, Barron's,
Far Eastern Economic Review, MarketWatch from Dow Jones.
50. Zen Habits: One of the Top 100 blogs on the Internet
by Leo Babauta who lives on Guam and is the author of The Power of Less: The Fine Art of Limiting Yourself
to the Essentials … in Work and in Life. With a definite Zen flavour, this Blog covers subjects such
as achieving goals, productivity, being organized, motivation, eliminating debt, saving, eating healthy,
simplifying, living frugal, happiness, and successfully implementing good habits.
51. World Leisure
Organization: You can't be truly rich unless
you can enjoy leisure to its fullest. The World Lesiure Oranization is a world-wide, non-governmental
association of persons and organizations dedicated to discovering and fostering those conditions best
permitting leisure instead of work to serve as a force for creativitiy, pesonal wealth, human
growth, individual development, and well-being.
52. The Federal Deposit Insurance
Corporation: Money and Finance Resources, Information, Advice,
Research and Databases for Bankers, Financial Advisors, Investors, Other Professionals, and
53. Retirement Income
Calculator: Take an edcuated guess at how much money you will
have to spend in retirement by estimating your retirement benefits at this U.S. Government website.
54. US Government
Retirement Website for Seniors: Official information and
services from the U.S. government for the retired and soon-to-be retired including money and financial
55. Rich Dad, Poor Dad: By Robert Kiyosaki who
wrote an international bestselling book with the same name. Accordint to Kiyosaki, finding true
happiness means expanding beyond financial well-being to complete well-being in health and wellness, spiritual
awakening, philanthropy, business building, and purpose.
56. NPR: Planet Money: Keep up with the global
economy with business news from this blog.
57. Seth Godin's Blog: If you want to
make a lot of money, you have to know how to market your product or service. Seth Godin is an author, marketing
expert, and the orginator of Squidoo.com, where you can put up webpages for free. His books include All
Marketers Are Liars and Purple Cow. You can learn a lot from Seth Godin.
58. ABC Business News Website: Watch ABC News
Business Videos, Money Tools and Calculators, Money Matters, and Small Business News.
59. MissingMoney.com: American State and Canadian
Provincial governments working together to safeguard and return your lost funds. A database of governmental
unclaimed property records for financial assets. Common types of unclaimed property include: Bank accounts and
safe deposit box contents; Stocks, mutual funds, bonds, and dividends; Uncashed checks and wages; Insurance
policies, CD's, trust funds, Utility deposits, escrow accounts.
60. Unclaimed Canadian Bank
Accounts: Search for unclaimed money from Canadian bank accounts turned over to the
Bank of Canada.
61. Choose to Save.org: A Website
completely devoted to financial education. Savings tips on a wide range of savings topics as well as links to
related resources arranged by subject category and alphabetically.
62. Saving for College.com: A comprehensive
guide to 529 savings plans. Saving for college.com was established as a private company in 1999 with a mission
to help individuals and professional advisers better understand how to meet the challenge of paying higher
education costs. Bankrate, Inc. acquired Savingforcollege.com in December 2007.
Federation of America — Finance, Savings, and
Wealth: Financial Brochures on various topics including 6 Steps to Six-Figure Savings, 66 Ways to
Save Money, Build Wealth Not Debt, and Teaching Your Children How to Save & Spend.
64. US Government Business Website: Find loans or
grants; Start a home based business; Register a business name; Search or register a corporation; Obtain a
business license; and Bid on government contracts.
65. American Association of Individual Investors: AAII is
a nonprofit organization that gives information to individual investors about what they need to build wealth
including tips on stock investing, financial planning, and retirement funding.
66. WATCH THE U.S. DEBT ACCUMULATE: With the US
debt at over 10 trillion, and the US population is 300 million, this leaves a national debt (not counting state
debt) of $33,000 per American citizen. But my estimate is that only about a third of the population (excluding
retirees, children, and low income earners ) are serious income earners and tax payers. This means a national
debt of about $100,000 per serious taxpayer.
Government Retirement and Pensions Webpage: Benefits and tax allowances in retirement,
Taxpayer or non-taxpayer in retirement, and Working part-time after you retire.
68. CNNMoney.com: A Service of CNN, Fortune, and Money —
69. Sensationally Creative and
Innovative: This website is dedicated to all the creative people
throughout the ages who have been willing to risk, be different, challenge the status quo, ruffle a few feathers
— and in the process — truly make a big difference in this world. Your creativity is worth at least a million
dollars if you use it properly.
70.The School of Life: Great Ideas to
Live By Given That Being Truly Rich Is Much More than Having a Lot of Money. Particularly for people who
live in London, The School of Life is a new social enterprise offering good ideas for everyday living. Based in
a small shop in Central London this small enterprise offers a variety of programs and services concerned
with how to live wisely and well.
71. How to Retire
Happy: Your true nature is to retire happy, wild, and free. Never lose
touch with it. You will, however, if you are not careful, and spend too much of your life trying to acquire
sufficiend retirement savings. This webpage shows you why you should retire before you expire and how to
live happy in retirement regardless of your retirement income..
72. The Joy of Being
Retired: A retirement website rich with
resources for the retired and the soon-to-be retired including funny retirement quotes and 365
Reasons Why Retirement Rocks (and Work Sucks!: A Retirement Gift Book
for Individuals and Corporations to use as a retirement promotional giveaway.
73. The Fun at Work
Cafe: For the soon-to-be retired who want to have fun at work
before they retire.
74. Retirement Promotional Giveaways by VIP
Books: One of Many Business Promo Items, the World's Best
Retirement Book Is the Ideal Promotional Giveaway to Give to
Retirees and the Soon-to-Be Retired So That They Know That Money Is Just One of Many Important Elements for
Achieving a Happy Retirement.
75. Get Smarter about Money: This website
is run by The Investor Education Fund (IEF), which develops and promotes unbiased, independent financial
information, including how to save for retirement. The Investor Education Fund was
established as a non-profit organization by the Ontario Government run OSC (Ontario Securities
Commission) and is funded by settlements and fines from OSC enforcement
76. The Rebel with a Retirement Plan: The article called "The Rebel with a
Retirement Plan" is kinda about me. I particularly like this comment: The new rebel rejects the ordinary in the ways that
* The conformist majority is broke. The new rebel builds wealth.
* The conformist majority is obese. The new rebel takes care of their health.
* The conformist majority toils in a cubicle, endures a long commute, then stares at the TV like a glassy-eyed
zombie. The new rebel maximizes life. And because I myself am a "Debt-Free Rebel", I like this
comment: "Debt is a synonym for 'self-imposed shackles.'
77. Your Story about
Money by Seth Godin: Your story about money is a story. About money. Money isn't real.
It's a method of exchange, a unit we exchange for something we actually need or value. It has worth because we
agree it has worth, because we agree what it can be exchanged for. But there's something far more powerful going
Some of the Money Topics on The Money
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