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The internet is the land of opportunities, but it really all comes down to what you make of it. There are many millions of entrepreneurs that jump online every day with hopes of striking it rich rather quickly. Unfortunately, the vast majority of these will do nothing but waste time and money. The good news is the key to success for work at home dads is simple; time management.

It is amazing what time management can do for work at home dads. What you will quickly learn is that there is never enough time in the day to achieve everything you want. For this reason, it is imperative you learn to manage your time properly beginning with a schedule.

Working from home does provide a tremendous amount of freedom to people, but this can hurt you if you are not careful. It is crucial you take the time to plot out a schedule to work off of. Whether it is 3 a.m. to noon or a typical 9 to 5 schedule, you have to have a set schedule to help you get in a routine.


From there set some goals for yourself to strive for. Goal setting is a terrific way to keep you motivated and focused on the work that needs to be completed. Procrastination is extremely easy to fall victim to when working from the comfort of your own home. But writing out goals, posting them where you can see them every day, and rewarding yourself after reaching them can keep you on the right track.

Now that you have goals to work toward and have a set schedule, the next thing work at home dads need to focus on is prioritization. As mentioned, there will never be enough time in the day to get everything done. Therefore, write out a list of things you need to get done every day beginning with the most important items. This ensures you take care of the most essential pieces of work.

And for those things you do not have time for, or may lack in skills a bit, do not be afraid to outsource. All of the top entrepreneurs have gotten to where they are with a little help. Never have too much pride to seek assistance as outsourcing can prove to be what you need to take your business to the next level.

The list of things needed to become a successful entrepreneur could literally go on forever. However, often times it is something as simple as proper time management that can give you the upper-hand on your competitors. By learning to prioritize, outsource, and not be an extreme perfectionist, work at home dads really can make a career online.

Lyle Holmes’ Monthly Income From Home Site reviews sites about how to earn money on the internet and offers information on running a blog, home business, affiliate marketing programs and much more. To find out how you too can succeed online, take a look at his Making Money On The Web site

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Every stage of childhood is a treasure for life time. Kids playrooms allow children to explore the vibrant side of growing up, inspiring them to play, learn and grow in a safe environment. As adults who has lived these vital years of growing up, we realize the importance of beautifully conceptualized and designed furniture—be it kids bed, children’s high chairs, wood rocking chairs, or soft accessories like kids rugs, we do try to add character to our kids space in ways that will help them grow into strong and happy individuals.

Kids bedrooms makes up one such creative domain that can be transformed into an exciting room with a touch of innovation. Soft furnishing like kids rugs, fun lamps, bunk/ metal beds, floor cushions and creative room colors and murals can all add to stir up your child’s imagination in a great way. For storage conscious parents, you can opt for single/ twin kids beds with storage and some come with the choice of trundle or storage for you to choose from.

Then there is furniture like rocking chairs and child-friendly wardrobes that allow a sense of freedom and instill the value of independence and individuality in a child. Playroom is a place that should reflect a sense of possibilities and fun for a child. Simple Kids area rugs can liven up the entire room. It is important to have a sprightly playroom that accommodates a Childs toys and furnishing, and also encourages imagination. On practical terms, choose furniture diligently, for kids are known to grow overnight, and later you will have a playroom full of furniture you do not know what to do with. So invest in versatile components and smart furniture units that allow them to be transformed into something viable for grown-up kids. For drawing and painting, you could use paper scrolls to avoid the mess.

And these days you get the most sensible storage furniture like kid benches and chairs that allow you to keep the playroom neat and tidy, which is a practical problem most parents face. Wipe clean tables, chest of drawers and cabinets all can be used for the desired clutter-free zones. Choosing vibrant playroom furniture, chests, cabinets, bean bags, stools and soft furnishings like Kids rugs and throws can help you in styling your kids room as per his/her unique taste. You can have kid-friendly lighting for all occasions and use book cases, shelving and bookends for young readers. For older kids and toddlers, you can find workstations that come with writing desks and cabinets. On beds, there are always the twin beds and bunk beds that save space, while trundle beds save space and look tidy too.

There is furniture for almost every imaginable function, Yet as parents, it is practical that we look into specific needs and demands of a room before making a decision. Some points for consideration include the available dimensions, existing furniture units and a real-time budget. At times, parents need to empty some space to add new furniture, especially when the baby grows old and the furniture loses its relevance. A thoughtful selection of furniture should solve this problem. Young parents can look out for smart furniture units that fulfill the present demands, and future demands too. The best example is a crib that can be easily transformed into a toddler bed with the use of a conversion kit. For more design details, you can visit the kids section at Spacify

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There are times when circumstances at your workplace prompt you to go in for a career change. Your frustration could arise from factors like working hours, the pay packet, your boss, sometimes even an annoying colleague. Now career transition is always your decision in the end, but sometimes you need to think things over and not jump the gun. Let us have look at some such situations.

A new supervisor makes many people rethink their career plans. The reason is not hard to find. A new boss often feels that they should quickly establish their authority over the human resources at their disposal. This makes them a bit difficult at the outset. Just hold off the urge to quit right away. Give it some time. You might be surprised to find your new boss displaying milder, even friendlier aspects of their personality as time goes by.

A common reason for going into a job search mode is the annoying co-worker. They may or may not be the person sitting at the next desk, but they have the habit of getting under your skin. It is unfortunate if the dislike of a colleague is strong enough to get you looking for recruitment services.


Under normal circumstances no one should make you quit your job, especially if someone else rather than yourself is in the wrong. Naturally if a fellow worker threatens your safety you need to take immediate action. But the first step should always be contacting higher ups and airing your grievances rather than running off to the recruitment agencies.

A poor appraisal of your efforts at work may cause you to want to quit your job. It might seem to you that you have been unfairly assessed. You might feel embarrassed and frustrated, even unwanted by the organization. The thing to remember here is that it can happen to the smartest and most hardworking of employees. You cannot be perfect all the time. It is important to take this setback to your career plans with a positive frame of mind. Let it be a wake up call to refocus on your workplace actions so that your efforts contribute to the achievement of organizational goals. Instead of resigning, the way forward should be to try for a better appraisal next time.

Being denied the promotion you believe you deserved can sometimes be hard to take, leading you to consider career development elsewhere. Quitting immediately is not the solution, though. A good number of factors come into play when the matter of promotion crops up. Try to figure out what went against you. Was there a more qualified colleague? Did a more experienced or senior employee get promoted instead of you?

You can also treat this as an opportunity to set goals for yourself, fine-tune your efforts at the workplace, and improve your skill set. If in spite of this you find yourself being repeatedly passed up for promotions that you deserve, then it’s time to seek recruitment advice and look for career advancement somewhere else.

In all the situations mentioned above, you might feel a strong impulse to quit your job immediately. Apart from extenuating circumstances, such as sexual harassment in your workplace or other dangerous situations, you would be better off thinking it over calmly and objectively before you make your decision.

James Utterson is a writer and publisher specializing in self-help and internet marketing subjects. He is passionate about helping others fulfill their life’s ambitions and dreams.

His career and recruitment website has loads of useful information including a free report on preparing and planning your career change.

To obtain your free copy please visit

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As I was arranging the numerous personal finance books I’ve accumulated over the years,  I couldn’t help but wonder how I can put everything together in such a tiny little space.  Then I asked myself, if I had a very small book shelf that can accommodate only 10 of these books, which books would I choose? I had to think really hard because I love reading books and I’ve learned a great deal about life and money through ALL of them.  These 10 books are special in that they have completely altered the way I view money and life!  They have inspired me to learn more about money and pursue financial freedom! May these same books help you achieve your financial dreams!

Here are Rich Money Habits’ top 10 best personal finance books of all time!

#10.  8 Secrets of the Truly Rich by Bo Sanchez

This one is special because it’s written by a preacher – and a famous Filipino preacher at that!  Bo Sanchez is a best-selling author of inspirational books in the Philippines.  This is his first book that openly talks about money, business and investing.

What I particularly like about this book, is that it tackles one of the most critical obstacles in making money – that is, how to reconcile money and religion.  Living in the only predominantly Catholic country in Asia,  it is very important for me to align what I believe in whether it be on religion or money.  Otherwise, I’ll just be confused and end up going nowhere.

The book is full of stories on how daily money habits make you rich or poor.  It describes the most common perceptions we have about money.  We were taught that money is the root of all evil.  When we watch our favorite TV shows, rich people are often portrayed as greedy.  They only got rich through “drug” dealing or some other “illegal” means. Due to this stereotyping, some us unconsciously don’t want to be rich! Who would want to be the “bad” guy in our own soap opera called life?! 🙂

As a result, there is conflict inside of us.  Some of our internal dialogs are

“I want to be rich…BUT not so rich that my friends would hate me and I would no longer have friends.” err…who wants to be loner?! 🙂

Or the most common,

“I want to be rich…and I’m so desperate the only way for me to get rich is by winning a million dollars through  lottery.”

The great tragedy is never realizing that you don’t have to be a crook, or be greedy, or become unfriendly, or win a lotto ticket to be rich – you only need to build rich money habits!

#9. Multiple Streams of Income by Robert G. Allen

This is one of the books I bought when I was in the US.  Since I love reading personal finance books, I ordered a bunch of them online.  I was able to get them cheaper because I looked under the “used” books section.  Surprisingly, most of them are in relatively good condition and look almost new!

The book was my first exposure to having multiple streams of income.  For someone who worked as an employee most of his life, I thought I could only earn from one stream of income – my job!  I realized having only one stream of income is not a very good idea because there’s also only one way money can come to me – through my paycheck!

Having multiple streams of income is NOT necessarily having a second job, or even a third!  Multiple streams of income building systems so that money can flow through your life.  It means, investing both your time and money to learn how to build those systems.

One way could be through real-estate investments where you get a “stream” of income from the monthly rental of your tenants.  Another “stream” could be getting portfolio income like “dividends” or “interests” from your stocks or bonds investments.  And yet another “stream” could be from royalties you receive from publishing a book or a music recording if you’re a singer.  Having a LOT of “streams” where money can come to you is certainly better than relying on just your “job” to make money.  The challenge is how to utilize what you have like time, skills, and money to setup these streams of income.

#8.  Secrets of the Millionaire Mind by T. Harv Eker

The great thing about the book is it makes you realize what money habits you have developed since the day you were born.  It brings out those subconscious thoughts that are hindering you from achieving financial success.  Some of the internal dialogs with yourself could be.

“I am not good enough.  I’ll never be amount to anything financially.”

Or you might say

“I’m poor because my parents are poor…and my grandfather is poor…and my great grandfather is poor…so I will always be poor…”

You might not be saying it out loud.  You might only be thinking about it.  Worse, you might not even be aware of it. And you wonder why you’ll not getting anywhere.  As T. Harv Eker aptly put it

“…if your subconscious ‘financial blueprint’ is not ‘set’ for success, nothing you learn, nothing you know and nothing you do will make much of a difference.”

#7.  The 4-Hour Workweek by Timothy Ferriss

The book speaks about the “New Rich”, a group of people who have the time, money and mobility to spend only 4 hours a week to generate money and live the life they want.  The rest of their time is spent on things they love to do like dancing in Buenos Aires, scuba diving in Panama or basking in the Hawaiian sun.

Who wouldn’t want to spend only 4 hours of his time working instead of the usual 40 hours a week?  Who wouldn’t want to have the luxury of time to do the things you really love?  Who wouldn’t want to take a very long vacation in the beaches of Hawaii while your business is taken care of and money is still coming in?

For employees, it offers practical tips on how to negotiate with your boss for a work-at-home arrangement. It also provides ideas on how to plan your own “mini” retirements so the money is still coming in, without you around.  It even discusses how you can “outsource” your life!

The 4-hour workweek is easy to read.  The ideas are presented in a simple and uncomplicated manner that you think you’re reading a comic book.  The book is conversational and funny.  Reading it is like speaking with the author face to face. You might even find yourself occasionally laughing at his jokes. (I know I have) 🙂

#6.  Rule #1 by Phil Town

I picked up this book out on a whim when I was at a bookstore in Malaysia.  The book explains investing in a very simple and understandable manner.  It is not intimidating in any way.  After reading this book, it made me realize that I did not need to be afraid of investing.  I just need to learn how to do it right.

Rule # 1 is “Don’t lose money.”

Whether the market is going up or going down, don’t lose money.  Whether it is a bear market or a recession, don’t lose money.  Whether you have billions or just a couple of hundred dollars in investment, don’t lose money.

The book discusses some of the basic myths about investing and provides simple strategies for successful investing while spending only 15 minutes a week.  It tells about the five key numbers that really count when determining the value of a stock or business.  It even mentions valuable internet tools and the advantages of managing your own investments to achieve your investment goals.

I know there may be other books on investing out there, but so far, this is the only one I’ve come across that made me understand the world of investing a little bit better.

#5.  The Richest Man in Babylon by George S. Clason

I came across the Richest Man in Babylon from reading Rich Dad, Poor Dad by Robert Kiyosaki.  It tells about the ancient secrets of money.  The book coined the phrase “pay yourself first”.  In ordinary terms, it means – SAVING. But it is more than that.  The book tells that in any trade you’re in, you CAN still “pay yourself first”.  Once you have “money” in savings, you can then have that “money” work for you.

But how can you save when your little money is not even enough to survive on?  How can you set aside 10% of your income when you’re living on 110% of it?  How do you “pay yourself first” when the creditors are coming after you?

Paying yourself first is certainly not easy. It takes tremendous discipline. That’s one of the reasons why it is not popular.  But once you get the rich money habit of controlling your money instead of it controlling you, your confidence builds up, you’ll think that if you can do this then you can do anything.  And as with anything related to money, it touches everything.  Your health improves.  You become successful in what you do.  People will wonder why you’re always brimming with confidence. You become the richest man in every sense of the word.

Isn’t it better to walk into a store knowing you can buy anything you want because you have the money (saved)?  Doesn’t it give you peace of mind knowing that if some emergency occurs, you can readily rely on your saved “emergency fund”?  Would it be nice to be able to help your family or those closest to you “financially” for a change?  That’s the dream.  And it starts with paying yourself first.

#4.  The Millionaire Next Door by Thomas J. Stanley Ph.D. and William D. Danko Ph.D.

The book is based on a comprehensive research on the money habits of millionaires.  The results are surprising in the sense that majority of those millionaires are not what we commonly expect them to be. As aptly described in the book,

“These people cannot be millionaires! They don’t look like millionaires, they don’t dress like millionaires, they don’t eat like millionaires, they don’t act like millionaires – they don’t even have millionaire names.  Where are the millionaires who look like millionaires?”

Many of the “next door” millionaires  are first-generation. They did not inherit their riches, they built them.  Few of them do not spend more than 0 for a watch.  Others don’t even wear a suit to work!  They engage in types of businesses which could be classified as dull-normal.  Some are welding contractors.  Some are rice farmers. Some are pest controllers. Others are coin and stamp dealers.

What separates the “next door” millionaires from the rest is their money habits.  They are frugal in nature.  They value money.  They invest at least 20% of their income.  They even have a “go-to-hell fund” which can provide for their expenses for at least 10 years without working at all.

I think the most important lesson from the book is not that we know who the actual millionaires are, but the realization that it could be YOU!  If they can do it, so can you! It’s time to build your own rich money habit and be the “millionaire next door”!

#3.  Your Money or Your Life by Vicki Robin and Joe Dominguez

I bought this book out on a whim.  I was actually looking for the book “Outliers” by Malcom Gladwell when  I saw this book at 20% off.

The book tells about managing not only your money but looking at it in totally different way.  Your money is only part and parcel of what your life is.  There is also time.  There is also your dream! What do you enjoy most?  How do you spend your money? What do you do with your time?  Would you still do what you do even if you have all the money in the world?

The book emphasizes managing the resources that you have like money and time.  It offers very specific tips like monitoring your spending and whether each of those is contributing to your goals or not.  It also has some ideas on how to identify exactly what you like to do and manage both your money and time so you can do more of what you love to do and less of what you don’t like to do.  It even has some charts to help you picture out and plot where you are and when your freedom day will be.

I think the main message of the book is not to choose money over your life or the other way around – it is to have BOTH.

#2.  Rich Dad, Poor Dad by Robert T. Kiyosaki

As mentioned in my personal finance story, this is one of the books that made me realize I really need to develop rich money habits to achieve financial freedom.  The book is a story of growing up learning about money from two different dads: one is rich and the other one is poor.  The story unfolds to describe the different money habits of the rich dad and the poor dad, each one producing a different financial result.

The book makes the very complex world of money and business seemingly simple. It is so simple that the ideas can be explained to a child using only sketchy drawings.  The drawings illustrate how cash flows from your pocket to the bank when you pay your bills, and how it flows from your company to you when you get your paycheck.

What you do with the money after your receive it determines whether you become rich or poor.  Do you use the money to buy assets like real estate investments or setup businesses?  Or do you use it to buy liabilities like a brand new LCD TV in 12-easy-monthly-payments-with-zero-interest!

The reason I liked the book is because it inspired me to become better and to view business and money in a totally different way.  It expanded my understanding of how money really works!  Most of all, it gave me the confidence to dream again!

#1.  Think and Grow Rich by Napoleon Hill

Think and Grow Rich is one of the first books I’ve read about money.  The main message of the book is that you have to “think” about money first before it becomes real.  It is a direct translation to the phrase “what your mind can conceive, your body can achieve”.  When you really think about money and you have this “burning desire” to make it real, all the universe conspires to build the means to bring it to you.

Money is, first and foremost, only an idea.  It is not real.  The money you hold when you buy a bag of grocery is only as real as the “mutual” agreement you have with other people that the paper you’re holding is worth something of value equal to that you’re buying.

The book doesn’t say “Work Hard and Grow Rich”.  Working hard means different things to different people.  For an employee who doesn’t like what he’s doing and only get paid very little, everything is “hard work”.  For someone who love what he does, “working hard” is not in his vocabulary.

As Henry Ford said,

“Thinking is the hardest work there is, which is probably the reason why so few engage in it.”

There you have it! Rich Money Habits’ top 10 best personal finance books of all time!

P.S. How about you?  What are the best personal finance books you’ve read?

Allan Inocente is the owner of Rich Money Habits by You can learn more about him at

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“Being rich is having money; being wealthy is having time”- Margaret Bonnano
In your quest for wealth, remember that it TIME freedom that you are ultimately on a working to attain in addition to the financial benefits of wealth.
Time is your most valuable asset. It is the only thing in life that you can never get more of. Gaining complete control of your time is one of wealth’s greatest rewards.
One of the biggest traps that befalls many who strive to build wealth is that of focusing so much on “making the money” that they lose sight of balance.
During her interview for The Multi-Million Dollar Mindset, 7-figure CEO Cheri Tree of Quattro University talks about how she got so engrossed in “chasing the money” that she didn’t even realize that she eventually had less time freedom than when she started.
“I was being interviewed for Success at Home Magazine”, she said, “my golf clubs still had the tags on them…my motorcycle would not start…my surf board still had the gift card on it.”
Being balanced as an entreprenuer is the most important component of leveraging the wealth you will build to enjoy a truly amazing quality of life. Failing to work toward such a balance will simply leave you bankrupt on a higher level.
So as you are reaching for the heights of success, remind yourself to work on making the most of your time and investing it in fulfilling and leisurely activities that have nothing to do with making money. Your experience of the fullness of life will be the better for it.

The Mult-Million Dollar Mindset will show you how to discover ways to become rich, how to start a business, and how to join the wealth builders. It was created by Lawrence L. Cole, America’s Ambassador on Influence

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What would be your greatest dream? Winning Lotto? Suddenly receiving a great inheritance? Or finding a secret formula for something that everyone wants and being the one to introduce it to the market?

These are some ways people dream of suddenly breaking out. And why do they want to break out? It says something about their everyday lives and the job they do regularly. Either they want out of a soulless job with no intrinsic rewards, that might have lost its allure. Or they have built up a stack of those credit card statements that need paying off. And what does the credit card bill tell you? That you have dreams for something better and beyond where you are which can be solved by buying things now? The problem being the paying it back. Not so much fun.

But usually people feel there is something better out there. That there is either a better job or something they would prefer to be doing. Like riding the waves, partying regularly, or just traveling and seeing the sights.

We all know that at some time we will likely need to retire (although there are those who would rather keep working until they drop). And when we retire what do we imagine ourselves doing? Once this idea is raised the next one that pops up is why can’t we have it sooner? Preferably now!

Timothy Ferriss in his great book “The 4-Hour Workweek” outlines how we can have it much sooner than we would normally consider possible. In fact why postpone it until later? Why not build it into our lifestyle now? And he gives some great examples of how to do so.

Even more interesting near the end of the book Tim has achieved his goal, is enjoying the endless travel with extended stays in different parts of the world that take his fancy, learning languages and various new skills. He avoids excessive addiction to e-mails and usual daily life to really embrace the alternative, early-retirement lifestyle.

And he is beginning to find it a little hollow. He is feeling the need to contribute in some meaningful way. Not that he is not already doing this in some way at a number of levels, with his business and the new experiences he embarks on in his travels. But there needs to be something more.

And this is important to address. We need meaningful purpose in our lives. Well at least that is a great position to be in compared with constantly dealing with the pressure of paying the bills and keeping to deadlines. More on this later…

Tim’s ideas on business are great. It is readily possible these days to create businesses that run themselves where we can live off the proceeds and enjoy the benefits.

Robert Kiyosaki and Donald Trump endorse these ideas in the joint book “Why We Want You To Be Rich” and Robert’s “Rich Dad, Poor Dad” and “Cashflow Quadrant”. Robert suggests a business in the right side of the quadrants is where we need to be – with greater than 500 employees, and where we can walk away, come back a year later and find it running even better than when we left it.

Then Mr Kiyosaki makes the interesting observation that for many of us using mlm or network marketing might be a good option for many to get over to this right, wealthy side. And why? Because the business power of leverage is occurring. Many people doing a bit each, contributing to the wealth and success of the whole. Business skills can be learned. (You don’t have to wait and hope to win lotto or for some rich unknown relative to die.)

Not only that, but a good network marketing company, with a good history, financially sound, and well run can allow you to become financially free or effectively retire after a few years of hard work. Like Tim Ferris, but from a slightly different model.

The mlm company does have to have good products that are competitively priced, and needed by as many people as possible. And if they are going to last so we can keep on enjoying the benefits, they need to be constantly engaged in research and development and remain at the top of the field.

If you have an opportunity like that why would you not pursue it? Ideally it needs to be one that can be built successfully part time from home and grow to allow you to leave work and eventually effectively retire and pursue those activities and ideas you would in a fit and active retirement.

How can you ensure the work is effectively part time? By using leverage. What currently is the best leverage? The internet marketing and prospecting side of multilevel marketing is revolutionizing the business. 24/7 the internet is accessible and available. You can present your ideas and opportunity throughout the world. And people can check it out at their leisure without any over-the-shoulder salesperson pressure.

What better way? And there are other ways we can leverage this even more. But more on that later.

Mark Denekamp is an Expert Internet Network Marketer. “How to get your phone ringing off the hook with people calling YOU to join your business. Never buy a single lead.” ==> ==>

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