Are you burning money or printing money by investing in a blog?

Are you burning money by using a credit card?

Welcome to the Yakezie Carnival for October 13th.  There are a ton of great posts in this batch!  Take some time, read a few, and let us know which ones were your favorites.


Drew @ Objective Wealth writes Making Peace With Credit Cards – Drew examines the relationships people have with their credit cards, for better or worse, and the best way of rationally viewing and making the best of this modern money tool, as it look they’re here to stay!

Glen Craig @ Free From Broke writes SimplyCash® Business Card From American Express OPEN Earns Your Business Real Cash – Right Away – The SimplyCash business card from American Express OPEN rewards business owners with generous cash rebates on their statements, great Amex service, and more.

Lance @ Money Life and More writes Two Huge Problems with Dividend Stocks Right Now – Dividend stocks have been quite popular lately and for a good reason. Most quality dividend stocks pay out a consistent amount of money on a fairly set time schedule. I have two problems that make me wary of dividend stocks right now so make sure you pay attention.

Harry Sit @ The Finance Buff writes A Basic Checking Account That Pays More Than A High Yield Savings Account – How to earn more from a basic checking account than from a high yield savings account.

Michael @ Financial Ramblings writes Are Credit Card Rewards Taxable? – You can save a ton of cash by using the right credit card. But are those rewards taxable? Click through to find out.

Vanessa @ Vanessa’s Money writes Inkjet vs. Laser Printers – Looking for a way to save money on printing costs? Ever wonder if laser printers are *really* cheaper than inkjet printers?

Steve @ Ready To Quit My Job! writes Never Burn Your Bridges – Don’t burn your bridges because you never know when you might run into your boss (or their friends) again.

IMB @ Investing Money writes Accumulating Investments – How to Grow Investments Exponentially – Accumulating wealth is quite simple. It means years of sacrifice and aggressive investing, but it will pay off in the end.

Tushar @ Finance TUBE writes What Is Private Mortgage Insurance? (PMI) – Introduction:Today we will talk about Private Mortgage Insurance (PMI). Most people need to carry their mortgage when they purchase a home. When a lender allows taking mortgage with very little money down, they need to protect themselves. That’s where Private Mortgage Insurance (PMI) comes in.

ETZ25 @ Entertainment Timez writes Is AIG The Stock For The Future? – So is AIG the stock for the future? It’s a gamble, but it has what appears to be pretty great potential for recovering now that it has paid most of the money it owes the government back.

MR @ Money Reasons writes Frugally Using The Library As Part Of My Mobile Office – Why not use your local area library as a mobile office? You could even use the library as a mobile office in places that you travel to while on vacation!

Suba @ Broke Professionals writes How to Manage People – Part 1 – Knowing each and every one of the people that you manage helps you understand how to assign the work, who might want and benefit from extra training, who might need a mentor and who might be a mentor for someone else. It lets you develop each person and the team to their, the company’s and your benefit.

Jenny @ Discount Coder writes Save money on marketing – DIY Twitter – Twitter can be an invaluable tool to any new business, but it can also be extremely expensive if you’re thinking of paying an outsider to help with your twitter marketing. This handy article looks at saving money by running your own twitter profile and just how to go about it.

Maria @ The Money Principle writes Interest rates for dummies – Interest rates can be confusing. This article explains some of the key concepts related to interest rates.

Jessica @ Budget for Health writes Saving for our first home – We are currently saving for our first home but are torn: Should we pay more but be able to continue sharing one car or pay less but having to purchase a 2nd car?

Daniel @ Sweating the Big Stuff writes What Happened To Flying Cars? – Hands down, my favorite futuristic aspect of George Jetson’s life was his flying car. Decades later, where is my flying car?

Jester @ The Ultimate Juggle writes Keeping Your Budget in Balance – Ten years ago if someone were to ask me about budgeting, I would probably say that it is pretty simple. In many ways, budgeting has been simplified, but in other ways, it is more difficult because of more options.

Passive Income Earner @ The Passive Income Earner writes Family Finance: Ways To Access Money – Do you need to access money from time to time? I try to plan ahead but life is full of unforeseen events I run a tight budget and I have not seen the need for an emergency fund considering my access to money. Interestingly enough, I do feel that I have tight months at times. It may be stressful for some but for our family it’s not.

Sustainable PF @ Sustainable Personal Finance writes Thrift Stores as Part of Your Sustainable and Frugal Lifestyle – One of the best ways to live sustainably and frugally is to do your shopping at thrift stores. You can save money, and at the same time reduce the number of resources being used up. Sustainable Living with Thrift StoresMany consumers make a big deal of using products made from recycled materials. This is a good thing, of course.

CAPI @ Creating a Passive Income writes Tips to Create Passive Income – If you are trying to create a passive stream of income, you know that it needs to come continuously month in, month out in order to be passive. Some people need a capital base in order to create passive income such as online payday loans while other people can use savings. Once you have the The post Tips to Create Passive Income appeared first on .

TDB @ Tax Deduction Blog writes Uncle Sam and the Trap of the Tax Scam – Did you know that income tax, originally, was only supposed to be implemented during times of war in order to fund war efforts? Sadly, the government hasn’t reread that section of the Constitution and has continued to tax American families even during times of peace (or relative peace). Many Americans, who know this fact, are…

Your Boss @ What Your Boss Really Thinks writes Temp Agencies: Good Idea or a Career Buster? – Discussion if temp agencies is a good choice when you are unemployed, pros and cons of working for temp agencies.

PPlan @ Provident Plan writes Hobbies with Low Costs – My wife and I were forced to find hobbies with low costs, but we did it. Find out how we budgeted for our personal interests.

Corey @ 20s Finances writes How Your Starting Salary Affects Your Career Earnings – Find out how what you make when you are starting out will affect your career earnings. You’d be surprised how different it is.

A Blinkin @ Funancials writes 2 Rules for Car-Buying and Maintaining Wealth – Rule #1- You should only finance a car if you have equal amount in savings. Rule #2 – You should only buy a car that costs 1/10 of your annual income. These 2 Rules for Car-Buying will also help maintain your wealth and grow your net worth.

krantcents @ KrantCents writes What Is Your Success Strategy? – Do you have a success strategy? Simple enough, it is a yes or no question. Then, why do so many people have difficulty answering the question? There is an implication that if you say no that you are a failure. So what! In order to succeed, you have to fail.

Rich @ Growing Money Smart writes Wealth Accumulation Is Not Fair – Wealth accumulation is not fair and never has been, and that’s okay, it provided an advantage to you if you are determined and seize the opportunity!

Chris @ Money & I writes Mythbuster & I vol. 2 – Boost Your Credit Score Edition! – Personal-finance savvy blogger who recently moved to the UK, gives 8 crucial tips on how to boost your credit score and what to expect from credit-repair agencies.

SFB @ Simple Finance Blog writes The Inside Man: 5 Ways To Avoid Insider Trading – A quick primer on insider trading and 5 tips to recognize and avoid any illegal insider trading activities.

Todd @ Financial Mentor writes The Smart Alternative To Retirement Planning – It’s so “old-skool” to work like a dog for 40 years scrimping and saving so you can retire and do nothing of substance for the remaining 30 years. The New Retirement….

Evan @ My Journey to Millions writes Why Care about the New Health Care Surtax on Investment Income? – Let me be clear I am not a fan of Obamacare as it is written today and being implemented over the next couple year, but I just don’t understand why some of the financial media is jumping on it like most of their readers are in the top one-tenth of the country.

Jason @ Live Real Now writes Dealing with the Police 101 – My friend has had a number of interactions with the police, but never learned how to deal with them. Before we left, I gave him a crash course in “stay out of jail”.


Don't be a dunce when it comes to retirement

Beating Broke @ Beating Broke writes Money in Space! – Even back in Columbus’ day, money went along. Whether it was as a good luck piece, or just in case they came up on a 7-11 in the new world, they had money with. Today’s explorers have to go a little bit farther afield in order to discover something new, but even so, there’s still a little money that goes along. And I’m not just talking about the Billions that are spent to do the exploring. There’s actual money in space!

Invest It Wisely @ Invest It Wisely writes What Type Of Office Life Do You Have? – The following is the first staff post by Shondell from Call Me What You Want, Even Cheap.

Little House @ Little House in the Valley writes Bad Choices or Bad Luck? – There really isn’t such a thing as bad luck, at least not when it comes to repeat-behavior and financial habits. Instead, it’s an excuse for not taking control of the financial situation and making some much needed changes.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes WHERE TO GET A HIGH RETURN ON MY CASH – I earn over 10% lending through peer to peer loans. See proof of my returns and read about the process.

Robert @ My Multiple Incomes writes 5 Tips for Your First Job – There are obvious tips for newly hired workers such as not arriving late, showering regularly, not eating 10 pounds of heated tuna in your cubical etc., but what about tips that will help you succeed at your workplace? Yes those, you want to know those tips!

Wayne @ Young Family Finance writes Are You Cut Out to be a Landlord? – I was talking with my brother the other day and the conversation moved towards real estate. My brother had a unique opportunity to buy his own house when he was in college. He lived in a fairly affordable area of town and spent the last two years and then two years in graduate school fixing up the house.

Shawanda @ You Have More Than You Think writes How to Speed Up Slow Cooking – There’s only one thing I like hard and slow. Here’s a hint: It ain’t cooking. 😉 However, I’m a longtime advocate of slow cooking–as long as it’s easy.

JP @ My Family Finances writes Which Families Lost the Most Wealth in the Great Recession? – Average household equity dropped by 25 percent and stock investments by more than 50 percent. Most families lost wealth, but some were hit harder than others.

Robert @ The College Investor writes Can Weyerhaeuser’s Timber Propel it to New Heights? – This year, Weyerhaeuser Company (WY) –the largest company in the timber business – has logged an impressive 40% return. Can Weyerhaeuser ride the waves in timber to a record valuation?

Everything Finance @ Everything Finance Blog writes Filing for Bankruptcy in Retirement – What You Should Know – Likely the last image in your mind of who might file bankruptcy is senior citizens, but surprisingly, they “are the fastest-growing segment of the population seeking bankruptcy protection, according to a recent study from the University of Michigan Law School” (USA Today). If you are a senior considering bankruptcy or your parents are, there are several things you must know.

TRL @ The Retired Landlord writes Things to do before Buying a Rental Property – Find out what every real estate investor needs to know before buying their first rental property.

Sean @ One Smart Dollar writes Common Home Buying Mistakes – Buying a home is the single biggest purchase most of us will ever make. Here are a few tips to make sure you don’t spend more money then you should.

Tushar @ Start Investing Money writes Lending Club: Peer to Peer Lending in the US – A form of lending that has become more prevalent in recent times is peer to peer lending. As the name suggests, it focuses on the idea of people lending to each other and to businesses, rather than using the banking system to facilitate such loans.

Mr. Money @ Smart on Money writes Best Ways for Young Workers to Save for Retirement – One of the wisest decisions you can make is to start investing while you are young. There are several ways to do this. By making the right financial choices, you can make sure you are prepared for money challenges in life.

Amanda L Grossman @ Frugal Confessions writes SwagBucks VS. Bing Rewards: Which Search Engine Rewards Program is Better? – Microsoft’s search engine Bing came out with a rewards program in a soft whimper launch in September 2010.

SBB @ Simple Budget Blog writes Why a Healthy Lifestyle Can Save You Money – Find out why living a healthy lifestyle and abiding by your budget are not contradictory. Learn to save money by getting out and eating healthy.

Crystal @ Budgeting in the Fun Stuff writes Home Buying History – Our First House – Since I should be away right now closing on our new house, I thought it would be interesting to take a look into our last house. Here is what it has cost…

Corey @ Steadfast Finances writes Ways to Start a Business – Are you looking to start your own business? While the initial stage may be exciting when starting out on a journey like this, it is often the most challenging period for a small business owner. Not only are you tasked with creating the system or systems in order to increase later efficiency, you are also forced to come up with the funds to run the business.

Eddie @ Finance Fox writes Do You Need a Career Change? – A career change is a big decision. It can affect your life, your family’s life, your finances, retirement and basically everything around you.

PITR @ Passive Income To Retire writes Buying a Home (Someday) and Why it Delays My Passive Income Goal – Find out how buying a home will affect my ability to develop passive income streams.

Miss T. @ Prairie Eco Thrifter writes Adjusting to New Spaces – It’s always hard to get settled in to a new place; whether that is a new job, new home, or even just a new routine. Here are some tips to help it along:

Jen @ Master the Art of Saving writes Stupid Sewer-A Mini Update – We’re all moved in, but it’s still a disaster here. OMG! All this stuff keeps coming up and needing to get done and so many expenses.

Jennifer Lynn @ Broke-Ass Mommy writes Financial Lessons I’ve Learned From Scrooge McDuck – It’s amazing what you can pick up from watching cartoons while you are with your child! Read what I learned from Scrooge McDuck

Luke @ Learn Bonds writes Are your investments about to drop off the fiscal cliff? – How do you navigate the risky waters of the coming fiscal cliff? Positioning your investments for the fiscal cliff.

Daisy @ Add Vodka writes Why I Live in A Bad Neighborhood – After writing the post last week about living in a bad neighborhood, many readers and commenters asked me why I still live here. Why don’t we move to a better neighborhood? I have an odd way of thinking about living quarters.

MMD @ My Money Design writes My Cash Flow Plan – September 2012 Update – Check out my updated cash flow plan for dividing up my income in a way that helps to achieve each of my financial goals.

Deacon @ Well Kept Wallet writes Why MPG Matters When Buying a Car – One of the most damaging yet silent expenses to your bottom line can be the cost of gasoline for your car. With gas prices at an average of $3.818 per gallon it is becoming clear that if you want to save money, buying a car that has good MPG (Miles Per Gallon) is the way to go.

Josh Thompson @ writes Is Whole Life Insurance a Good Investment? – Is whole life insurance a good investment? You may be surprised to know the benefits of whole life insurance: steady growth, competitive interest rates, no loss guarantees, life insurance benefits, tax advantages, and more. Whole life insurance is one of the least understood financial products, and it’s been given a bad reputation by talking heads on television and radio. But with the losses and risk of the market, and the consistency of whole life insurance over that past 100 years, life insu

Jason @ Work Save Live writes The Most Important Thing Small Businesses Should Be Concerned With – The following is a guest post. If you’re interested in submitting a guest post, please contact me. What’s Most Important for Small Businesses? It’s easy to get confused concerning what is really important in a business.

Don @ MoneySmartGuides writes 5 Ways to Ensure You’re Frugal During Winter – With winter upon us, now is the time to start preparing for it. In this post, I am going to present five ways to ensure you are frugal during winter including your home, car and eating.

Jon the Saver @ Free Money Wisdom writes Delayed Gratification – It’s How the Rich get Rich – Rich people get there by being frugal and waiting things out for the long haul. We can all learn a thing or two from rich people’s practices!

Ted Jenkin @ Your Smart Money Moves writes Is Georgia One Of The Best Tax States To Retire In Today? – Inevitably all of us have the dream of being able to make work optional.

Debt Guru @ Debt Free Blog writes Why No Debt = Freedom – Find out why having no debt ultimately gives you a lot more freedom than the alternative. It’s a much better way to live.

John @ Married (with Debt) writes Wealth Has Little to Do With Income – For me, the definitions of “rich,” “poor,” and “middle-class” have very little (if anything) to do with income. And before you roll your eyes, this is not a sentimental post about how wealth isn’t measured by money, because YES VIRGINIA, it is measured in money.

Ashley @ Money Talks Coaching writes Child Support – I thought a lot about whether or not I want to post this article… which will become a (hopefully) short series.

Joe @ Midlife Finance writes 5 Painless ways to help your (Grown) kids – Want to give your kids a boost? It’s easy to help them out without straining your pocketbook or energy….if you choose carefully.

CultofMoney - justify spending super sales

Shopping for a reason, or out of boredom?

Michelle @ The Shop My Closet Project writes The Island of Misfit Toys or Where do I get my gear – Rudolph the Red Nosed Reindeer is one of my childhood favorites! Living in Colorado there are a lot of expensive outdoor activities that I like to take part in. Snowboarding, golf, tennis, and riding my bike. So, how do you participate in expensive activities without spending a lot of money? Buy your equipment from a thrift store

Hank @ Money Q&A writes Why I Am Considering Refinancing My Mortgage – Here are a few things to consider when looking at a refinancing and what I look for when refinancing my mortgage. There is more to consider than just a lower interest rate.

Roger the Amateur Financier @ The Amateur Financier writes World Domination 104: Choosing Your Cohorts – If you’ve been following along for the last several weeks, you’ve gotten most of the basics ready for a world domination attempt (or more than one; as everyone from Lex Luthor to Cobra Commander could tell you, this is the sort of endeavor that frequently takes more than one trial).

Jeff Rose @ Good Financial Cents writes How to Transfer Your Brokerage Account – I‘ve never won the lotto. I once found a $20 bill in a Target dressing room and thought I was on top of the world. That’s about the biggest cash prize that I can brag about. That is until a certain event changed my life……. As a financial advisor who has been busting my butt for many years, it’s very exciting to finally see your paychecks grow.

Teacher Man @ My University Money writes Benefits of Online Banks for Young People – Most young people I know today already know and love the internet banking model, but it isn’t just “hip” in terms of a fad, there are actually a lot of solid reasons for going with internet banking. First and foremost, much like the online shopping model I have come to know and love, online banks have much better rates on certain financial products and generally have substantially lower fees.

Drew @ Objective Wealth writes A to Z of Objective Wealth: H is for Health – With all the bromides going around about health beating wealth, Drew ponders whether it’s better to healthy, wealthy or wise…

Young @ Young And Thrifty writes Would You Buy an Amazon Engagement Ring? – Since our article on the zaniness of the modern day wedding industry got such a strong response last week, I thought I might revisit the general topic. In the comments section one reader intrigued me with a few recommended options for saving money on an engagement ring.

FMF @ Free Money Finance writes Spend Less Than You Earn – Many people see “spend less than you earn” and simply think “I need to focus on keeping my spending low and pinching pennies all my life.” But that’s only half the story (and a distorted half at that.) So I thought I’d highlight each of the parts to clear up any misunderstandings about what I consider to be a gem of personal finance advice.

J.P. @ Novel Investor writes TradeKing Promotional Code Update – TradeKing offers different promotions throughout the year that will be updated here when they become available.

Steven @ Grocery Alerts writes Can you eat for $26 a week – Welfare Food Challenge – An anti-poverty group in BC is challenging politicians and residents to try and survive for $26 worth of food for a week. During that week, participants will only eat the food they can buy with $26 dollars. I will be taking part of the food challenge

harry campbell @ Your Personal Finance Pro writes Reader Question: Investing in Real Estate Without a Down Payment, What is an REIT? – I know there are a lot of people itching to buy real estate but their main hurdle is the large 20% down payment required. 20% of any property is a lot of money, so one option for the casual investor is to turn to REIT’s. REIT stands for Real Estate Investment Trust and they behave similarly to regular stocks. A REIT offers common shares to the public and in exchange, you become an actual owner of real estate. REIT’s receive special tax treatment from the government but in exchange they must

Savvy Scot @ The Savvy Scot writes Economies and 12 Crazy Disney Facts you Never Knew – SavvyScot discusses the plans for the new theme park in the UK and reveals 12 crazy facts about Disney that you didn’t know

Jon Rhodes @ Affiliate Marketing writes Overcoming Digital Overload in Online Life – We are constantly on demand with mobile phones, tablets, laptops, Emails, Facebook etc. This post shows you how to avoid “digital overload” in your life.

Glen Craig @ Free From Broke writes Paying for a Good Education in the Beginning or the End? – See one Mom’s argument for investing in her children’s early education now rather than putting the money away in college savings.

Michelle @ Making Sense of Cents writes Holidays and Vacations – I’m constantly thinking about vacations, I’m sure you all have noticed. However, from now on, it seems as though I’ll just be dreaming about them! The boy can’t take a vacation until next Summer most likely, and he can’t really go on short trips because he doesn’t have two days off in a row. Instead he is off on Thursdays and Sundays (oh the joy of him working at a car dealership).

PK @ Don’t Quit Your Day Job… writes Guaranteed 348,000% RoE – My co-writer went from a $1 net worth to $3,481, so he extrapolates over the next few years at his epic 348,000% RoE.

John S @ Frugal Rules writes 4 Easy Ways to Avoid Holiday Debt – Shopping for the Holidays can be expensive. However, with some planning and discipline you can still buy gifts for your loved ones and still not bust your budget.

Philip @ PT Money Personal Finance writes Make Sure It’s Legal: A Cautionary Tale on Starting Your Own Small Business – What happens when a college student sees an opportunity to make money, but doesn’t do his research first?

Miranda @ Excess Return writes What is an ETF and How Does it Work? – One of the fastest growing investing products is the exchange-traded fund, or ETF. ETFs haven’t been around for very long, but they are quickly gaining in popularity, due to how easy it is to trade them, and the relatively low costs that come with them. Undoubtedly, most investors have heard of ETFs, yet many are still wondering exactly what an ETF is and how it works.

Kathryn @ Financial Highway writes Common Interview Questions and Answers – This guide not only tells you what the interview questions are but also provides insight into what the interviewer is really asking and what types of answers will help you get the job.

Gen Y @ Gen Y Finance Journey writes I Have a Personal Negotiator – My fiance’s negotiating guidelines for awful negotiators like myself.

Michael @ Financial Ramblings writes Get Cheap(er) Car Rentals – This post describes my strategy for getting cheaper car rentals using a combination of travel discounters. It only takes a few minutes and can save you a nice chunk of change.

Roshawn Watson @ Watson Inc writes Are You A Financial Liar? – One area particularly prone to embellishment is our finances. After all, who wants to admit that she is destined for lack, mediocrity, or failure? We consequently end up with something other than the truth with respect to money, but does that make us financial liars or just positive thinkers?

Rich Avery @ Money Wise Pastor writes How an 18-Year Old got $400,000 in Start Up Funding from Richard Branson – How in the world did an 18-year old girl receive $400,000 in start-up funding from billionaire Richard Branson? She saw an opportunity and took bold action.

About Karl

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27 Responses to Yakezie Carnival

  1. Hey thanks for including me and hosting Karl, it’s not often I get to be top of the list!

  2. […] of Financial Planning, Carnival of Financial Camaraderie, Yakezie Carnival /* Tagged with: Links  If you enjoyed this article, please consider sharing […]

  3. Funancials says:

    Thanks for hosting this week and including Funancials!

  4. krantcents says:

    Thanks for inclusion and hosting, I really appreciate it

  5. Little House says:

    Thanks for including my link!

  6. Evan says:

    Thanks for hosting and including my post!

  7. woohoo, got into the carnival 2nd time in a row:)

    Thanks for including and hosting!

    All the best,

  8. Don says:

    Thanks for the inclusion and hosting the carnival! Looks great!

  9. […] Yakezie Carnival | Cult Of Money […]

  10. […] at Wealth Artisan Carn. of Financial Camaraderie at Master the Art of Saving Yakezie Carnival at CultOfMoney Y and T’s Weekend Ramblings at Young and Thrifty Carnival of Retirement at The College […]

  11. […] Yakezie Carnival October 13 2012 hosted by Karl at Cult of Money included my post about a basic checking account paying more than a high yield savings account. […]

  12. […] and parking tickets, dude.Latest Carnivals: Yakezie (10/7), Carnival of Personal Finance #382, Yakezie (10/13), Carnival of Retirement.Image credit Alan Clever No related content found. Last Edited: October […]

  13. […] Carnivals: Yakezie (10/7), Carnival of Personal Finance #382, Yakezie (10/13), Carnival of […]

  14. […] of Financial Camaderie, Yakezie Carnival, Financial Carnival for Young Adults, Carnival of Money Pros, Carnival of Retirement and Lifestyle […]

  15. […] of Money, who hosted the Yakezie Carnival , included Daisy’s post, Adjusting to New Spaces, as did Master the Art of Saving who hosted […]

  16. […] Carnival at CultOfMoney Carn. of Financial Camaraderie at Master the Art of Saving Wealth Artisan’s FinCarn at Wealth […]

  17. […] Ramblings at Young and Thrifty Wealth Artisan’s FinCarn at Wealth Artisan Yakezie Carnival at CultOfMoney Carnival of MoneyPros at Making Sense of Cents Carn. of Financial Camaraderie at Master the Art of […]

  18. Glen Craig says:

    Thanks so much for hosting and including our articles!

  19. […] Finance #13 Yakezie Carnival | Cult Of Money VN:F [1.9.20_1166]please wait…Rating: 0.0/5 (0 votes cast) Tweet Article by […]

  20. […] Nerdy Finance #13Yakezie Carnival | Cult Of Money […]

  21. Rick Russell says:

    When the term “passive” is attached to a personal finance topic, it usually has to do with passive income . Passive income is loosely defined as doing the work once, and reaping the benefits over the long term.

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