I am a huge fan of Amazon Prime, a program that ensures that you get your order within 2 shipping days. However, yesterday Amazon announced that they want to revolutionize the shipping industry. They said that they want to drastically reduce the time it takes for you to receive your order. They revealed the Prime Air drone that’s main objective is to get your online order delivered to you in 30 minutes or less. Don’t think it is possible? Well check out this video less than 2 minute video where someone orders a product, it is packaged in a warehouse and it is delivered to the buyer all in less than 30 minutes.
So it is possible, but how likely is it to happen?
What will a membership to Amazon Prime Air cost?
Although I do like getting items that I order online quickly, it will all come down to cost. Currently an Amazon Prime membership to receive items in two days is $79 per year. As of yet there is no cost structure on Amazon for the new Prime Air shipping. I am sure that is because they are still waiting to get the FAA approval which is expected to happen by 2015.
What do you think? Could you see drone’s flying all day long dropping off packages? Do you think the ability to get a product quickly will be that beneficial?
One of the sessions that Deacon covers in his debt free in 18 months is making more money and decreasing expenses. In another related post, he goes further and details a list of 10 ways to make more money. Some of them involve more time than others, some may earn more money than others, and some may not be applicable for certain folks.
I want to elaborate on #8 from Deacon’s list: Rent out your spare bedroom. I’ve been renting out two bedrooms for the past 7 years. I started renting out my spare rooms to pay my way through graduate school rather than taking on additional student loans.
Renting out rooms went well enough that after graduation, I still continued to rent out my spare room so that I can use the rental income to make accelerated mortgage payments. My main driver for making accelerated payments was to refinance my mortgage. I bought my house at the peak of the market and when the market crashed, my house value plummeted. Looking back on the situation, I was young and naive to just jump in the real estate market without any need for a house, which could make for another story.
In short, I was under water and the only way out was to pay down my mortgage and to get right side up.
So along the way of renting out rooms, I learned the benefits and disadvantages. I’m here to share them and how to get started if anyone has this in their game plan to be debt free in 18 months.
Let’s talk about the benefits…
- Unlike freelance work or getting a second job, where the work and the paycheck might not be steady, renting out a room will earn a flat fixed rate per month. For those that like to plan and calculate a payback period for your debt, renting out a room at a fixed rate will facilitate in budgeting your debt.
- Another benefit is that there’s very little time investment needed to earn the extra cash once you’ve done the initial work to find a suitable roommate. Everyone likes earning a whole lot of money for a whole lot of nothing. Renting out a room does involve time but it is mostly just answering e-mails, setting up appointments to show your house, and assisting with the move-in.
- The camaraderie. If you’re a young single homeowner, chances are, you’ll have more house than you need. So why not have some roommates to share living space with. Sharing your living spaces doesn’t mean that you have to be best buddies, where you’re cooking meals together and hanging out all the time. Living with someone makes it convenient during those times when you need a lift to work because your car is in the shop.
Life with roommates isn’t all glorious. Many loathe the fact of sharing space so let’s talk about the disadvantages as well…
- You lose a bit of privacy. When it comes to renting out a room, you’re not sharing a dorm room like you did in college, but sharing more of the common space such as the kitchen and bathroom(if you don’t have more than one). Besides sharing the space, you’re also sharing stuff like the T.V. So if you don’t agree upon a show to watch, guess what, you’re going to have to watch it later.
- Your house will exhibit more wear. This is not surprising though. The more people occupying the same space, the more wear you’ll see. This is especially noticeable on my carpets and floor. It looks like in another year or two I’ll have to replace the hallway and stairway carpet.
How to get started
The first step may appear as cleaning out the spare room and putting an advertisement online, but that’s not quite it. If you ask me, the first step is to set a financial goal. Why?
You want to allocate the extra income to a financial goal so that you’re not squandering it on material or behavioral items that elevate your lifestyle. Without a clear cut goal, it’s easy to spend that sudden influx of cash. Even worse, when your roommate moves out, you’ll be left feeling even poorer than you did before.
Secondly, with a goal in place, you’re more likely to keep your focus over little annoyances. There were many times when I had to do more than my fair share of household responsibilities such as taking out the trash. But by focusing on the fact that I’ll end up way ahead financially, it made taking out the trash tolerable to deal with. I simply think of it as making an extra $600 bucks a month to take out the trash several more times a month. That $600 bucks earned every month is chipping away at my debt and moving myself towards financial freedom.
How to know if you’re ready to rent out a room?
If you’re strapped for cash, you’ll have no choice, but to embrace your new roommate with open arms. But if you’re one of those folks that thinks renting out a room is a good idea, but not quite sure it’s for you. One thing you can do to try a provisional period with your potential roommate. Set expectations that you only need a roommate for 3 or 6 months so that at the end of the term, you’ll have your space back no matter how good or bad the experience is.
If the experience went well at the end of the term, try for a longer term and consider finding an additional roommate to bring in even more cash. And by this point, you’ll know what worked and what didn’t work so that you can make changes accordingly.
Happy Roommate Hunting!
About the Author:
Mike writes at rentingoutrooms.com where he shares his insights on the topic of renting out rooms. He was motived to start the blog with the lack of sites related to the topic when he started. He hopes to educate and inspire other that’s renting out your spare room is a great way to make extra cash.
Image Credit: Anna Tesar
In this episode of the Well Kept Wallet podcast we have Rebecca Braglio who was a public defender for the city of Philidelphia and she got burnt out. She then decided to create a website that she was passionate about called ThePhillyDog.com which is an online resource for dog owners in the Philadelphia area. Because of her experience with creating this site she was able to become the Community Engagement Manager of Pet360 Inc. where she now handles the social media of Pet360.com. Her job is to make the site fun so that people want to come back. In addition, she is a top 100 winner of Start-Up Nation in the “Savvy in Social Media” category.
What you will learn in this episode
- How she saw a need and created a website to meet that need in her city
- How she turned her passion for pets and her interest in social media into a career
- How she used Linkedin to contact the CEO directly and got her current job at Pet360
- How she learned a completely new industry and switched gears from being a public defender
Quotes from Rebecca Braglio
“You need to immerse yourself in this area, you need to learn everything that there is to know and more. And you need to know who are the people that make things happen in this industry.”
“I think it’s an important when you decide you want to make a change to really look at it as you’re branding yourself.”
“I don’t have any degree in marketing. I don’t have a degree in advertising or anything like that. But I am in a marketing position.”
“The branding never stops.”
“You have to do what makes you happy”
Google+: Rebecca Braglio
Linkedin: Rebecca Braglio
Almost two years ago I received first place in a weight loss contest at the office and I won somewhere around $150. I lost nearly 20 pounds and I was down to about 180 pounds. It felt good, but after the contest was over, the momentum was also over. Yesterday my wife told me about a new workout called the Focus T25 Workout and how it was only 25 minutes a day. This sounded very appealing to me because I tried P90x that was created by the same company (Beachbody) and those exercises were an hour long. At the time it was hard to consistently find 1 hour a day to workout since my schedule was so hectic.
At the starting point to get back in shape
Well, I decided to buy the Focus T25 Workout base package which included 9 DVD’s, a nutrition plan, a workout calender and a 15lb resistance band. I weighed my self this morning and I was 208 pounds. That means I have gained about 28 pounds over the past two years and it is time to start being serious about my workout regimen. Don’t get me wrong, I am not a fitness nut nor do I really care about having a six pack like the guy in the picture. I do care about eliminating the slight lower back pain that I get on occasion when I am lifting things around those house. And I also care that I don’t lose my breath 100 feet into a hike with friends and family.
My first Focus T25 Workout experience
This morning my wife and I did the first workout which is Cardio. At first, I thought that it would be no big deal because it is only 25 minutes, but I was mistaken. I was able to keep up for maybe the first 5 minutes but then I needed to change my pace and follow the girl that was doing the modifier. What is a modifier? It is a modified version of the workout for those who need to ease back into getting into shape. I figure that I will be following the modifier for at least the first few weeks until I feel comfortable going full throttle.
What I have done in the past and why I am going with T25
Like I mentioned above, I have tried P90x but is was too much for me at the time. The workouts were twice as long as T25 and they were 6 days a week. It just wasnt something I could fit into my everyday schedule. I also signed up for a gym membership this year. I have been going 1-3 times a week but mainly to lift weights, but I have focused much on cardio or getting lean. Lastly I tried Healthy Wage where they pay you to lose weight, however, this is not a workout program. It is a competition only, so you need to have a workout plan for it to make sense to sign up.
I am going to give the T25 Workout a shot. How about you?
Have you ever done a workout program? What was your experience like? Did you get the results you were hoping to get?
Image Credit: The Bewithcin’ Kitchen
The other day I was scrubbing a dish that had been sitting in the sink for over a day and I was getting slightly aggravated. I realized that it took me much longer to clean the dish than if I would have just cleaned it immediately when I was done with it. Then it dawned on me, our finances can have a similar result. The longer you wait to clean up your financial problems, the harder it can get; just like dirty dishes. Imagine that if instead of letting your financial problems pile up in the sink, you decided to take care of them as soon as they arise. you would probably have less stress and more money is my guess. But this is easier said than done, right?
How to practically address your financial problems quickly
If you start to recognize that there is a problem, that is good. Most people don’t even recognize that there is a problem until the sink is full and every dish is caked with food that is weeks old. Once you acknowledge there is an issue to address, then you need to create a plan to solve the problem. Here are some common financial messes that people get into (including myself) and how to address them quickly to minimize the blow:
Maxing out a credit card
When I was 18 I decided to apply for every credit card that I could. It felt like a privilege that these institutions would lend me money and I wanted to see how far I could take it. I think I was able to get 5 different cards until my application finally got denied from another lender. I will admit that I ended up maxing out multiple cards as it was so easy to spend and not think of the consequences.
What to do if you have maxed out a credit card
The first thing you should do is save up a Starter Emergency Fund of $1,000 while paying minimum payments on all of your debt. This is important because it ensures that you don’t have to go into more debt if an emergency arises. The next thing you should do is cut up your credit cards. Cutting up the credit card shows a conscious decision to stop using debt to fund your lifestyle and start using cash. This does not mean that the credit card accounts are closed, so you do have to continue paying the outstanding balances off.Then use the Debt Snowball method, listing your debts smallest to largest using the Debt Elimination form. This will help you get some momentum to pay off your debt quickly and is the approach we took when we paid off $52,000 in debt in 18 months.
Overdraft on a bank account
When Kim and I got married, we decided to combine our finances into one account. This was helpful because we were able to see all of our finances in one place, for the most part, and it was easy to see spending habits that we needed to improve upon. I recall one time that she had made a purchase that I was not expecting, while at the same time, I too had made multiple purchases going that were going through at the same time. Well, I don’t know if you have experienced this but when you get a $35 overdraft for $1.30 Redbox purchase, it makes you want to blow your lid. It ended up being multiple small purchases that went through and the overdraft fees were over $100!
What to do if you overdraft your account
If the purchases are still processing you should transfer money from savings or deposit cash right away. This will potentially avoid overdraft fees as these type of deposit transactions usually happen instantly and can post before the purchases actually go through. If you have officially over-drafted your account and have been charged overdraft fees, call the bank and ask them if they would waive the fees. If you have never asked them to do this before, there is a high likelihood that they will waive them.
Paying bills past the due date
It seems like the older I get, the more bills I have. When I was younger, I didn’t have many responsibilities and paying bills wasn’t a priority as much for me. Today I make it a point to pay bills as early as possible for two reasons. One, I don’t want to pay late fees and two, I don’t have to think about them anymore once they are paid. That being said, in my not-so-financially savvy days, I paid my fair share of late fees.
What to do if your payment is late
Many creditors/services have a grace period of 10-15 days before you get charged a late fee. You should review your statement and see if that is true for the particular payment that is late. If so, you should be in the clear if it is in that window of time. If you have been charged a late fee, just like with over-drafting your bank account, call the institution, apologize for being late and ask if they would be willing to remove the late fee. One other thing that I did that was helpful was I downloaded a “Bill reminder” app for my phone. I programmed in the date the bill was due, the amount and who the bill was owed to. This helped us to stay on track and to make sure that we were paying our bills on time.
Buy too much house that you can’t afford to do anything else
In 2006 I got a promotion to Assistant General Manager at a store called Ultimate Electronics. I went from making an hourly wage to making a salary of $40,000/year. I had all of this extra cash sitting around that I thought I needed to put to work. At the time, a lot of my friends were buying real estate in the Phoenix area and some of them were even buying multiple properties. So that is what I decided to do. I bought two condos where the payments were more than half my annual salary. Seems crazy, right? I was able to make it work for a while as I rented out rooms to friends to help pay the mortgages. As soon as I started losing renters though, I quickly started to realize that my strategy was not sustainable. I was house poor, not in the traditional sense, but every extra cent I had went to keep those two properties afloat.
What to do if you are house poor
If you have bought more house than you can afford, the first thing you can do is consider downsizing. This really only works if you have equity in your home and this decision could save you thousands, if not tens of thousands of dollars per year. You can also consider renting out a room in your house to help chip away at your mortgage. If you are married, you might want to consult with your spouse before going this route.
Co-signing a loan only to find out the other person stopped paying the loan
Looking back, I realized that the first 5 cars that I bought I had saved up and payed cash for. Then one day I decided that I wanted a Mazda RX-7 that I saw at a “Buy Here, Pay Here” lot. I didn’t have the cash to pay for it, so I decided to take out a loan with the small dealership that was selling it. I did two stupid things that day: I signed for a loan that was over 20% interest annually and I had my mom co-sign for the car as they would not let me buy it on my own. I was young and my income was sporadic, so I missed some payments and my mom’s credit had to suffer for it.
What to do if you have co-signed for a loan
My advice, do whatever you can to get your name off of that loan. I have coached hundreds of people on how to manage their finances over the year and the majority of them who had co-signed for a loan wished that they hadn’t. I understand the intent is to help the other person, however, if they hit tough times and they are unable to pay, you will be responsible to flip the bill and if you can’t, your credit will suffer for it.
Have you made any of these financial mistakes? If so, how did you address them?
Image Credit: Johan Hansson
Please join me in welcoming Jen as she is the new Staff writer for Well Kept Wallet!
Whether it’s about saving money by getting the best deal, making more money by asking for a raise, or simply trying to decide which movie to see, negotiation is a reality of our everyday life.
But if this is the case, why do so many people shy away from negotiating for the best possible outcome?
Why is it so much easier and often more comfortable to simply take a backseat when it comes time to make decisions or advocate for what you want or believe in?
In my experience, it comes down to confidence. If you enter a negotiation confidently, no matter how large or small it may be, you’re bound to feel more successful at the end.
In order to build that confidence, a bit of a negotiation primer might be in order:
Preparation is Key
Information goes hand in hand with confidence as being your best friends during a negotiation. If you are trying to negotiate the price of a product or service, the more you know about it, the better your chances of securing a reduced price.
If you’re attempting to negotiate a salary or raise, being able to clearly and accurately detail your accomplishments and qualifications helps to ensure a positive outcome for your negotiating efforts.
Say it with a Smile
You might be pleasantly surprised to see just how far the power of a positive attitude can take you during a negotiation. Not every conversation or attempt will go your way, but you increase your chances of a more favorable outcome by remaining positive.
If you don’t receive the reaction or outcome you had hoped for at first, resist the urge to argue or show negative emotion through your words or actions (pay attention to the non-verbal cues, too!). By countering in a positive way, you’ll strengthen your argument. This is also a great time to employ your plan B if necessary.
Be an Active Listener
Active listening goes beyond any sentiment of what a “good” listener is. Active listening is when you make a concerted effort to let the person who is speaking to you know that you’re hearing the words they are saying.
It can be as simple as politely rephrasing what they’ve said as a question you ask back to them. This way, you’re showing your understanding of their intended message. Active listening also means engaging the speaker—nodding your head; asking relevant questions; continuing the dialogue without interruptions.
As an active listener, you build rapport with a person. Rapport can often be the difference between a successful and unsuccessful negotiation outcome.
Have you ever tried any of these negotiation tactics? What has your experience been like when it comes to negotiating?
Photo credit: jessdriver
In this episode of the Well Kept Wallet podcast we have William Shaker who has sold millions of dollars worth of products through his online businesses over the years. In 2010 he decided to shift gears in order to help give back to other entrepreneurs who are looking to make it big. He has a blog at WilliamShaker.com and is the host of the Endless Possibilities Podcast where he interviews other entrepreneurs and shares wisdom from his own experiences as well.
What you will learn from this episode
- How he sold millions of dollars worth of product online through drop shipping
- What he learned when Google’s algorithm change dramatically decreased his traffic
- How he re-invented himself to what he is doing today
- What a “procrastination calendar” is
Quotes from William Shaker
You learn the information that you learn, not for yourself, but you learn it for other people”
I am more value oriented now than I have ever been in my entire life and that’s something that I think is a lot more important than going out there and chasing the dollar”
I am gainfully unemployed right now. And when I say unemployed, it’s because that the job that I do is really not a job, it’s mostly play.”
Other mentions in this episode
Robin Sharma – A master at self-help where he got the idea of a “procrastination calendar”.
Try not to become a man of success, but rather try to become a man of value.” ~ Albert Einstein
How to connect with William
iTunes: Endless Possibilities Podcast
The other day I was listening to the radio in my car and a commercial came over the airwaves with a familiar voice from my youth…Hulk Hogan. When I was a kid, I was not really into wrestling but I knew who Hulk Hogan was and I had a positive perception about him. For goodness sake, he was in movies like Suburban Commando and MR. Nanny, both of which were family comedies and had a PG rating. These memories etched a positive perception of him in my mind over the years, however, when I recently heard him giving financial advice on the radio, my perception of him instantly changed.
To give you an idea of what he is the spokesman for these days, I found a similar commercial to one that I heard on the radio. Here is the Transcript from a Youtube video that I found:
Car Owner: I’m so broke, I need cash today and the bank turned me down. This car is the only thing I own.
Hulk Hogan: Arrrrrrrrrraaawww
Car Owner and Friend: Hulk Hogan!!!
Jimmy Hart: That right baby!
Hulk Hogan: Listen up brother! Your sitting on a pile of cash right here. Show ‘em Jimmy.
Jimmy pulls down the visor of the car and cash flows out from it
Hulk Hogan: Listen to the Hulkster brother and pin down the cash you need today with an auto title loan from 1-800-LOAN-MART.
Now I understand that Hulk Hogan is 60 years old and that he is probably not getting as many wrestling gigs as he used to, but to promote title loans, that is low.
Why you should not take financial advice from Hulk Hogan
Title loans have a ridiculously high interest rate
According to an article by Bob Sullivan at NBC News called Pay $2,140 to borrow $950? That’s how car title loans work, he states that “Loans are often issued at 25 percent interest per month: In other words, it costs $250 to borrow $1,000 for a month.” That comes out to be 300% in interest per year!
Title loan companies prey on people who make poor financial decisions
Think about it for a second. Why would someone get a car title loan? If the average credit card interest rate is close to 15% why wouldn’t they just put it on their credit card? One of two reasons, they have already maxed out their cards or their credit is so bad that banks won’t give them a credit card.
A title loan is a band-aid that only makes the bleeding worse
If you are thinking about getting a title loan, think again. What is the real problem? Is it that you don’t have money to pay your bills or is it that you spend more than you make? Is it that you don’t make enough money? If that is the case, go get a second job to bring in some extra income. Getting a title loan will not solve your problem, in fact, it will likely make your situation even worse. If you are having trouble paying your bills, than you are for sure going to have a difficult time paying back a loan at 300% per year.
Ok, I know I might sound harsh and if you are reading this and you are in a tough financial situation, you probably feel depressed at this point. Well, here is the bright side. You can change the way you make financial decisions today. You can decide right now to make better choices with your finances. How, you ask? Don’t worry, I won’t leave you hanging. Here are some things you can do as an alternative to getting a title loan.
1. Sell items around the house that you don’t need
2. Get a second or even a third job…for a season
3. Sell the car and take public transportation
4. Work harder and ask for a raise
5. Become a wrestler and make millions
If you are going to take financial advice from someone, take it from a professional, not from a 60 year old wrestler who is just pimping a company to make some extra money. Can’t afford a professional? No worries, there are tons of FREE resources on the web, including here on Well Kept Wallet. Check out the course “Debt Free in 18 Months” or the video “How to Create a Budget in 10 Minutes or less” as those two resources cost 0% and both will help you get your finances in order today.
Have you ever gotten a title loan before or know someone who has? What was the experience like? Would you take financial advice from Hulk Hogan?
Image Credit: Rocket Lawyer
In this episode of the Well Kept Wallet podcast we have Steve P Young the host of Mobile App Chat Podcast where top mobile app developers share their stories. He has developed 7 apps that you can download and he started his podcast so that he could learn from successful app developers. He is 60% marketer, 30% developer, 10% designer and 100% hustler.
What you will learn in this episode
- Different tricks to developing professional mobile apps
- How he managed his job and his other responsibilities
- Which mobile apps he has developed recently as well as his most successful app
- How he started building mobile apps and resources that he recommends
Apps discussed in this episode
- ABC dj
Quote from Steve P Young
The ways I like to describe myself think that is 60% marketer, 30% developer, 10% designer – 100% hustler.”
How to connect with Steve
Website: Steve P Young
Podcast: Mobile App Chat
Linkedin: Steve P Young
iTunes apps artist: iTunes
Last Thursday I flew out to St. Louis to go to a financial blogging conference called FinCon. I have been blogging for almost four years now, however, I have never been to a blogging conference up to this point. I didn’t know what to expect, however, the next four days would blow my mind. Here are some of my highlights from FinCon 2013.
Ashley Jacobs’ financial rap parody of Thrift Shop was priceless
There is nothing like a well thought out rap parody, especially one that is flawlessly done to Macklemore’s Thrift Shop. Ashley Jacobs from Wisebread has mad rap skills and she did not miss a beat. I hope that someone uploads it to YouTube soon because it will be a great go-to video for inspiration on my own pursuit to be a rapper.
Image Credit: Carrie Smith from Careful Cents
Pat Flynn’s keynote speech about first impressions was a trip
Have you ever tripped and fell to the ground right before meeting someone for the first time? Well, that is exactly what Pat Flynn from Smart Passive Income did in his presentation, however, he did it on purpose. Then, all of a sudden, he got up and went into re-wind mode like watching an old VHS tape that you would re-wind to go back to the beginning. His point: you don’t get a second chance at first impressions. I took several tips away from his presentation that I will be implementing over the next few weeks to make a better impression when people visit Well Kept Wallet for the first time.
Image Credit: Peter Anderson at Bible Money Matters
My first real speaking gig ever on SEO was at FinCon 2013
I was humbled by the opportunity to have my very first speaking gig at FinCon 2013. I spoke on SEO 101: How to get to #1 in Google. This is kind of an oxymoron as it takes a little more than 101 level material to get to the top of the search results, but regardless the tips that I gave will help other financial bloggers increase their rankings in the search engines. If you missed the presentation, no worries, check out my SEO 101 page where I put notes from the session. You can also get the Virtual Pass to watch the video of my presentation as well as others from the conference. In addition, I will be sure to update the SEO 101 page as I come across additional search engine optimization tips since SEO standards seem to change on a monthly, if not weekly basis these days.
Image Credit: Steve of Money Plan SOS
A winner has been found for the best BBQ in St Louis
At the conference I connected with Joel Larsgaard from Save Outside the Box who was one a mission to find the best BBQ in St Louis. We went to three different BBQ joints and determining who was the best was a challenge because two of them were AMAZINGLY good. It was a toss up between Pappy’s and Bogart’s Smoke House, but as you can tell from the picture, Bogart’s got first place. It was a privilege to experience this BBQ journey with Jacob from I Heart Budgets, Mike from Renting Out Rooms, Mario from DebtBlag, and John (and the Mrs.) from Frugal Rules.
Derek Halpern’s keynote speech – “Quality not Quantity”
When Derek Halpern was talking I felt like he was speaking directly to me. He shared how there is such a rush for blogger to publish content on a regular basis that we sacrifice quality by pumping out quantity. Instead he encouraged us to make content that is so good that people WANT to share it. So if you know someone that can benefit from this post please share it with them
The Gateway Arch tour with Joel and Mike “I work at IBM” Choi
On the last day of FinCon, Joel, Mike and myself attempted to go up to the top of the Gateway Arch that is right next to the Mississippi river in St. Louis. When we got to the ticket booth, we realized that the time we were planning on going up was sold out and we all had flights to catch where it just didn’t make sense. We decided to just walk around and tour the museum. Who knew that the arch was twice the size of the Statue of Liberty?
I met an amazing group of like-minded people offline
Being a personal finance blogger I have engaged with hundreds of people online but very rarely do I get to meet these people in person. FinCon was a great opportunity to put a face to Twitter handles. In this pic we have Stephanie (Plutus Award winning blogger from The Empowered Dollar), Joel from Save Outside the box (Plutus Award nominee), and Ben from Money Smart Life who is about to change the self-publishing world with his new online project.
I also got a chance to meet Pat Flynn and tell him about how he helped inspire me to quit my 9-5 job to officially become an entrepreneur and run my own business full-time back in February of 2013. If it wasn’t for him, I probably would not have had the courage to go out on my own. If you haven’t had a chance to hear his story, check out his about page to see how he went from being laid off from an architecture firm to creating a very successful online business.
Lastly, I want to send a special shout out to PT Money and everyone else that made FinCon this year possible. It was evident how much work was put into pulling this off…THANK YOU!!!
If you went to FinCon 2013, What is your favorite highlight?