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.
— Zig Ziglar

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 "THEIRS"?
— 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 Quotations

Inspirational and Sensational Quotations about Money – The Ultimate Collection!

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The 777 Best Things Ever Said about Money

Top-77 Financial, 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 Out."

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 writers.

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 stocks).

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 again.

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 mentally fit.

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 Finance.

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 early.

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 net-worth.

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, Magazines.

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 Solutions.

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

24. Angry 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 economic indicators.

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 medium.

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 income.

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 edition.

35. Bloomberg.com Breaking Money News: A real-time news service that provides coverage of companies, markets, industries, economies and governments.

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 finance.

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 minimum.

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 Consumers.

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 issues.

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.

63. Consumer 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.

67. UK 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 proceedings.

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 matter: 
* 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 on here.

Some of the Money Topics on The Money Café 

• How to Instantly Become a Millionaire  
• What's Truly Free in Life 
• The Only Two Secrets That You Ever Have to Know for Handling Money 
• How to Make Money While You Sleep (Something that You Can Do If You Get into Writing and Self-Publishing Books)
• Top-10 of the Stupidest Ways People Spend Money
• 33 Elements of Happiness That Money Can’t Buy 
• Why Short-Term Thinking about Money Is the Thinking of a Fool
• Why Most "Cool People" Are Broke! 
• 10 Stupid Reasons for Not Saving Money
• Why You May Be a Redneck If You Spent More on Your Pickup Truck Than on Your Education 
• How to Double Your Money in Less Than a Minute 
• Fashion Is Designed to Massage Your Shallow Ego and Slim Your Bank Account 
• Financial Insanity Has Its Own Big Following — Including You and Me 
• Why a Small House Can Hold Just as Much Happiness as a Large One — Often Even More! 
• Why It Is a Great Idea to Own and Live In the Ugliest House in the Neighborhood 
• The Best Advice Ever for Buying a Used Car 
• What a Man's Car Says about His Personality — For example, flashy SUVs are indicative of men who are using their transportation in an effort to look more virile than they really are."
• How Much Money You Can Make as a Student Guinea Pig 
• How You Can Make Money When You Are Dead 
• Why You Should Seldom — If Ever — Lend Money to Friends
   

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101 Reasons to Love a Recession 

THE MONEY CAFÉ COPYRIGHT © 2015 by Ernie J. Zelinski
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