Advantages and Disadvantages of Point-of-Service Health Plans

Point-of-Service (POS) plans are one of the many health insurance options available to you and your family. A unique type of health plan, POS plans can be considered a hybrid of HMO and PPO plans. POS plans contain some characteristics of each of these, which some people may find advantageous. Below is a rundown of the advantages and disadvantages of a POS plan compared to other plans.

Advantages of a POS Plan

  • No deductible. One of the most obvious advantages of a POS plan is its lack of deductibles for physicians in your network. This means that you do not have to make any payments towards your medical expenses on your own before your insurance begins to reimburse you. PPOs, on the other hand, have deductibles.
  • Low co-payments. POS plans have lower co-pays than PPOs. When you have a medical expense, you will only have to pay for a small portion of it as a co-pay, and your POS plan will cover the remainder of the cost.
  • More choices and freedom to choose. Unlike HMOs, POS plans provide partial coverage even for doctors that are not within your network. This means that if you are not satisfied with the choices available in your network for a certain medical treatment, you can see a doctor out of network and still have some coverage.

Disadvantages of a POS Plan

  • Under a POS plan, you must choose a primary care provider (PCP). This physician serves as your primary doctor for all medical needs. He or she can refer you to specialists in your network if you have a specific health concern. In order for a doctor’s visit to be covered as an in-network visit, you must go through your PCP to see a specialist.
  • If you visit an out-of-network physician, your only have limited coverage. You must pay a deductible and higher co-payments than you would with in-network physicians.

Choosing the Right Health Insurance Plan

If you are happy with the doctors that are in your network and do not mind having one primary care provider that you must go through to receive coverage, then a POS plan may be ideal for you. Often a PCP or the specialists he or she refers you to can cover all common medical needs. However, if you have unique medical conditions that will require you to frequently visit doctors outside of the POS network, you may be better off finding a plan that covers you with those doctors instead.

The greater choice and freedom of doctors, lower co-payments, and zero deductible for in-network physicians make the POS an attractive option that you may want to consider. For more information on POS health insurance plans and other options that are available to you, please visit the website of Texas health insurance company Option 1 Health here.

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How Diet And Lifestyle Can Reduce The Lower Back Risk

Lower back pain can be as a result of accidents and falls. But usually, the pain and issues attacking the lower back are from everyday activities that are done incorrectly. When you twist reaching for something or sit in the same position working on your computer for hours or even carry heavy things you could end up with lower back pain. Apart from the activities, what you eat may be contributing to the pain because there are foods that increase inflammation. Inflammation is one of the major causes of lower back pain so you may need to check your diet as well.

With this in mind, it is clear that you can easily reduce lower back risk by being more diet alert and making a few lifestyle changes. The dietary and lifestyle changes do not only reduce the risks but can also help in alleviating pain that already exists. It is always better to find natural ways of dealing with health issues before turning to medications to enjoy the relief.

Diet

Fresh vegetables and fruits make some of the best diet remedies to reduce risks of lower back pain. Deeply colored vegetables and fruits are especially good anti-inflammatory food and can include cherries, beets, carrots, watermelon, sweet potatoes and berries, kale, broccoli and spinach. They are nutrient loaded and will reduce the pain. You can also consider spices and herbs like garlic, oregano, turmeric, rosemary, ginger, basil and cinnamon as they are rich in anti-inflammatory agents.

Plan a based diet that includes chia and flax seeds is also very good. You can combine with omega-3 from fish like sardines, tuna, herring and salmon among others. Other foods you should include in your diet to beat the pain are pecans, almonds, lean proteins and avocados.

Calcium and Vitamin D are also very important in reducing the risks of the lower back. This is because they maintain bone mass, but they should also be taken in moderation. Natural food sources of calcium include cheese, yoghurt and milk and leafy green vegetables.

Lifestyle

When it comes to lifestyle changes that can help you reduce lower back risks, there is so much you can do. Some of the easiest changes include:

• Modifying daily activities so they do not include heavy lifting

• Improving your posture, especially when sitting on your computer for long periods

• Creating an exercise program that is easy to follow

• Managing weight and losing the excess pounds so you do not end up straining the back too much

• Sleeping sideways to keep stress off your back or using supportive pillows where necessary

• Keeping stress levels down to avoid muscle tension that contributes to the pain

• Quitting smoking as it raises risks of persistent back pain, heart disease and even cancer

If you observe the right diet and make necessary changes to your everyday life, you will be sure to see tremendous changes with your back health. If the changes do not yield the expected results and the pain gets worse or persistent, then it could be time to see a doctor.

Watching your diet and keeping up with an active lifestyle is one of the best ways of keeping health issues at bay. Always try natural remedies before turning to medication.

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What is the Ultimate Lifestyle?

Since the mission of this newsletter is to help you define,

carve out, and live your own Ultimate Lifestyle, I figured I

should devote some space to laying a proper foundation for

doing that.

Before you can hit a target, you need to know where it is!

So, to begin, let’s answer the question:

What is The Ultimate Lifestyle?

First of all, it’s different for different people. There are

no rules or formulas. For some people, it means a lot of

money, lots of “stuff,” a fast-paced and “jet-set” sort of

lifestyle. For others, it means a very simple, slow-paced

life that focuses on service to others. And for others, it’s

every possible scenario in between these two “extremes.”

There’s no right or wrong lifestyle, or good or bad

lifestyle.

There’s just what works for you — and it will likely change

over time. I know it has for me.

No matter how you end up defining Ultimate Lifestyle for

yourself, now and in the future, there are 8 components that

must be considered:

1) Income Streams

To live your Ultimate Lifestyle, you must have income

streams flowing that allow you to pay your bills and finance

all the “extras” you prefer. To me, the ultimate target to

shoot for in this arena is to have income streams flowing

whether you “show up” for “work” or not, so you can choose

what you want to show up for (even if it continues to be

what you call “work” or a “job.”).

That’s what I’ve been able to achieve by applying my

Invisible Path/11th Element strategies combined with direct

marketing on and off the Internet.

Having income streams flowing whether you show up or now

seems like “pie in the sky” to many people, but it’s

actually very attainable in today’s world. You’ll learn more

about how to do it in future issues.

2) Emotions and Beliefs

Many people fail to create their Ultimate Lifestyle because

they have emotional blocks, issues, or beliefs (what I call

“p.s’s.” or “master biography files”) that hold them back.

Other people have produced extraordinary results and could

live their Ultimate Lifestyle, but their blocks, issues or

beliefs prevent them from doing it — or fully enjoying it.

Therefore, living The Ultimate Lifestyle must include having

access to resources and inner skills that allow you to

uncover and remove, heal, or release any blocks, issues or

beliefs that hold you back. You’ll learn more about how to

do that in future issues.

3) Fulfillment and Satisfaction

Whether you have a 9-5 job and career, you’re a full-time

mom, or whatever you do with your time, a big part of living

The Ultimate Lifestyle means getting as much fulfillment and

satisfaction from what you spend your time on as possible.

Many people don’t ask for this, don’t focus on this, and

therefore don’t get it. You must make it part of your

intention and focus!

4) Living Environment

How and where do you want to live? In the mountains? In the

big city? On the water? Multiple homes? Do you want to live

in a big home or a small home? Is privacy or seeing

beautiful scenery out your windows important to you? Do you

like modern furnishings, antiques, or an eclectic mix?

Living the Ultimate Lifestyle means asking these questions

and having a home base that nourishes you at a very deep

level. My family recently moved to Charlottesville, Virginia

in pursuit of the nourishing living environment we craved —

and we got it, even better than we expected!

5) Relationships

What good is having income streams, a healthy emotional

life, empowering belief systems, a great living environment,

and a sense of fulfillment and satisfaction from how you

spend you time if you’re alone (and don’t want to be) or

your relationships with significant others (parents,

siblings, kids, associates, etc.) are a mess? Believe me, I

know about this one from long personal experience (before

meeting my wife, Cecily).

Therefore, living The Ultimate Lifestyle must include having

access to resources and inner skills that allow you to

attract, build, and maintain healthy relationships.

6) Health

Again, what good is having income streams, a healthy

emotional life, empowering belief systems, a great living

environment, fulfillment and satisfaction, and great

relationships if you have health problems that drag your

quality of life into the gutter?

Dr. Robert Lindberg says, “We spend most of our life gaining

wealth and we then spend most of our wealth on gaining back

our health.”

Living The Ultimate Lifestyle means having access to

knowledge, resources, and skills that allow you to get

healthy, stay healthy, and quickly resolve difficulties if

and when they arise. I discussed some of the resources I use

for this in previous issues, and will continue to share them

in future issues,

7) Time

You can have income streams, a healthy emotional life,

empowering belief systems, a great living environment,

fulfillment and satisfaction, great relationships and health

and if you don’t have any time to do what you love, to

follow your non-work passions, or to truly enjoy anything,

what’s the point? I know many people who could absolutely be

living their Ultimate Lifestyle, but they choose to work too

much, to the detriment of their quality of life. That’s too

bad — to have the choice and ability and not do it.

8) Wealth Building, Management, and Responsibility

The final component to living The Ultimate Lifestyle is

having systems in place that allow you to use your income

streams to create wealth (as you define it), manage it, grow

it, protect it, structure your financial and business

affairs for maximum efficiency and personal benefit, and

find ways of contributing and giving back (if that’s

important to you, which it is to me and my wife).

I’ll be writing a follow up article, called “The fuel that drives the Ultimate Lifestyle” shortly.

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What is Natural Living?

Natural living has a nice ring to it.  There are many organizations, businesses, web sites, articles and people that are into natural living or natural health in one way or another. There are also many ways of practicing  it.

  1. Nutrition:  Consuming it;  Producing it
  2. Health: Alternative medicine;  Herbs;  Antioxidants;  in natural form or supplements
  3. Environment: Eco- consciousness;  Active participation;  Recycling;  Reducing waste
  4. Energy sources: Solar;  Wind
  5. Lifestyle: Family; Consumer
  6. Sharing, writing, working, filming, talking.

There are many ways of looking at natural living depending on the degree of involvement, participation and even creativity.

The interesting thing is that it is a fact of life today because people are aware of it; there is a positive attitude towards nature and our relationship with it; it is an emotionally charged subject; there is fear of “nature’s revenge” if we continue the way we do.

At the same time we have to accept that synthetic development (to coin a phrase) has brought material quality of life and is an economic consideration in our society.

Having said all that, what do we mean by “natural” and by “living”?

  • Natural:  “free from artificiality;” “in accordance with nature;” “relating to or concerning nature;” “functioning or occurring in a normal way;” “existing in or produced by nature;” “not artificial or imitation”; “being unprocessed or manufactured using only simple or minimal processes;”
  • Living:     “pursue a positive and satisfying existence;” “the experience of being alive;” “the course of human events and activities;” “condition of living or staying alive;” “inhabit or live in;” “be an inhabitant of;” “lead a certain kind of life;” “live in a certain style;” “in its natural state and place (not mined or quarried);” “still in existence;”

Natural living would have to take into account these definitions, but above all it must come under the umbrella of “Harmony” and “Balance”.

So after all that, how does natural living sound with this definition?

“Pursuing a positive and satisfying existence, in a style that respects and seeks to achieve harmony and balance with nature, ourselves, and the future”.

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Importance of Interior Design And Event Management

Birthday parties, success parties, inaugurations, etc. don’t matter what the occasion is… People are fond of decorating their places. Years back, people weren’t that interested in decorating their homes, but now even if there is no specific occasion also, people generally renovate their homes for their satisfaction and happiness. Everyone wants a home that matches today’s trends and class.

Event Management Companies

People usually decorate their houses on their own, but for high budget parties, or events, event managers are hired. Different budget event management companies are now available in the market, one can choose an affordable one, or a costly one according to the need. Event managing companies are ones who manage all kinds of events like festivals, parties, marriages, concerts etc. you just have to hire them and they will do fulfill all the needs of the occasion, right from booking caterers to the arrangements of flowers and their decorating style.

Theme Parties: The New Trend

Now-a-days, a new trend of themed parties is on a roll. People decorate their houses in accordance with the theme of the party, there could be cake dummies flying all over the roof, or barbies and vampire dummies coming out of doors and cabards. For general decoration also, a variety of things are available in the market to decorate homes, different products attracts people of different mentalities as some are fond of antique paintings and objects while others are interested in high-tech new products that are in trend.

Interior Design And Event Management

Interior designing is the art of designing interiors, sometimes including exteriors to give a pleasant, gratifying environment to end user. It includes conceptual development, space planning, programming, research, construction management and many more. On the other hand, event management is the application of project management that includes visualizing concepts, budgeting, planning and creation plus development of large scale events like talent-hunt competitions, convocation ceremonies, exhibitions, fashion shows etc. It basically is the process of organizing professional and socialized events, for targeted audience focusing their interests.

Now-a-days there are number of companies organizing and hosting events on a regular basis on national as well as international level. Today’s generation is highly talented and creative, and for them these companies prove to be a great opportunity to showcase their talent. Event management is a great career option and does not require much investment, it provides you with independence and flexibility, only the thing it requires is passion, hard work, dedication and great creative skills.

Qualities That Makes You Ideal For These Fields

A person to be successful in interior designing and Event management should host or develop some qualities like:

1. Analytical thinking and problem solving approach.

2. Planning and co-ordination

3. Teamwork

4. Co-operative and good networking skills

5. Good negotiation skills.

6. Ability to work under pressure and meet deadlines

A person having above qualities can satisfy his customer by organizing a perfect and near to client’s dream event irrespective to the conditions around him.

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Tips To Hire A Freelance Software Developer For The First Time?

If you have a software idea that you want to turn into an actual product, you are in the right place. An easy way to achieve your goal is to hire the services of a freelance software developer. Let’s find out how you can hire one.

Who is a Freelancer?

In simple words, a freelance software developer is an independent professional that work remotely for their national or international clients on a project basis. Basically, these professionals are hired based on a temporary contract for a specific set of projects.

Hiring a Professional Yourself

Although hiring the services of a software developer can be a challenge for the first time, this choice has a lot of advantages. Ideally, hiring a software developer yourself is a good idea if you don’t need to work on a large, expensive project.

At first, it may seem scary to hire a professional yourself, but after reading this article, it will be easier for you to make a hire.

At different freelance platforms, you can choose from freelancers with different backgrounds and qualifications. The good thing is that these websites allow you to use a filter to see only those freelancers that can meet your specifications.

Specifications of most freelancers include experience, recommendations, services cost and skillset, just to name a few.

In short, there is a lot of advantages of hiring a software developer. Regardless of the type of developer you are looking for, you can check out sites like GitHub and LinkedIn to look for some good developers.

The downside is that you may have to spend quite a bit of time to screen applicants for the first time. Besides, you will have to monitor the professionals on a regular basis.

Hiring Through online Marketplaces

You can hire a good professional at different marketplaces, such as UpWork, freelancer and Hiremotely. These platforms will allow you to choose from the best freelancers with your desired skill set and experience.

At some platforms, you can use the messaging systems in order to stay in touch with your developers. This system will help you to communicate and work with your professional much more easily.

You might be thinking about monitoring your professional. At first, you may feel a bit uncomfortable working with your desired freelancer, especially if this is your first time. However, after a couple of days, you will feel quite comfortable.

Freelance marketplaces can help you manage your anxiety level with the help of a lot of tools such as instant messaging and time tracking software. The aim of these marketplaces is to offer a smooth working environment that will help you as well as your professional.

Another great advantage of hiring a software developer through an online Marketplace is that you will find it much easier to screen different applicants. The reason is that the professional on these platforms are verified. Plus they have a lot of positive reviews from their previous clients. Another good thing is that their salary expectations are quite clear.

So this is how you can hire a freelance developer from the comfort of your home.

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Running a Small Business – 3 Important Things to Do for Success in This Economy

Okay, let’s talk about the reality of being a small business owner in 2013 and all of the chatter regarding the disasters of running a small business. There are so many voices out there that it’s becoming more difficult knowing who to listen to, who to trust and what you should do! I want to share what I think are three important things to do for success in this economy.

Running a Small Business-Why Businesses Die

Did you know that a report from FOX news stated that from 2008-2010 over 200,000 small businesses have gone under? And the news continues to sound very bleak as this year continues. Let me share some of my observations with you; they are my observations mind you so just bear with me because there is a bright light at the end of this tunnel and isn’t a train. Often the first sign that a business has started its death walk is the cutting back on the quality of services and goods; if it’s a restaurant for instance, they start to cut back on the quality of their food products in order to save some money, then they start to serve smaller portions and keep the price the same and last but not least, they never engage their customers for feedback. The death of a business!

Running a Small Business-Knowledge Is Power

Listen, we all know the importance of marketing; well, it’s also important to know what you want and need for your business. Sounds real simple but, most small business owners really don’t have a clue what they need to reach their ideal customers. Unfortunately, most marketing companies just want to make money off of you and they tend to promise you the world even when they know that they can’t honestly deliver the goods. Here are some things that you need to keep in mind when it comes to marketing:

  • Have a marketing plan or strategy for your business. Running a small business means you have to make the time to know what you need to invest into your business; you have to identify what or who your ideal customer looks like and then market to them.
  • No quick rich marketing! Please! And here’s the trap; you go with the guys who tell you that they have a new and creative way that gets you instant results and fill your head with visions of dollar signs and then-burned! Now, you don’t trust anyone and that leads you towards the death walk. The right marketing will get you results but, it can take some time depending what tools are used.
  • Time is money. We have heard that so many times and it is a true statement but we have to look at it from a different point of view; if you don’t take or make the time to step back and look at your business as a whole you’re a goner, game over, it’s a wrap! Please, don’t own your job, scale your business. Taking time to honestly evaluate your business will pay awesome dividends! Even if it means having someone help you in the process. Oftentimes, when running a small business, you’ll find that things aren’t as bad as they look.

Running a Small Business-What Competition

Here’s a major trap most business owners get caught in; they market with their competition in mind instead of with their customers in mind. You are not trying to win your competition over; you want to get the attention of your customers. Listen; identify your ideal customer and market to them. Don’t start cutting back on the quality of your services or your products. The best way to solicit feedback from your customers is by using review sites. Running a small business can still be profitable in this economy if you follow these suggestions.

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Market Entrepreneurs and Political Entrepreneurs

What is an entrepreneur? Well, in the United States of America there are two types of very successful entrepreneurs. There is the market entrepreneur and there is the political entrepreneur. The market entrepreneur makes money in the free market by delivering the lowest prices and the best quality and service to its customers and the consumer. The market entrepreneur wins markets and beats out the competition because they are better and more efficient.

The political entrepreneur uses the influence with government through various methods such as lobbying, political campaign contributions and networking with government bureaucrats to either win government contracts and make money or use this influence to get the government to make new rules and regulations and he is industry.

The political entrepreneur will also use his influence to get government bureaucratic regulatory bodies at all levels of government to attack his competition. There is a big difference in market entrepreneurs and political entrepreneurs. Unfortunately, genuine Capitalism getting clobbered by political entrepreneurs coaxing government agencies to constantly attack market entrepreneurs.

The economy and the free market and capitalism for that matter works better with the most efficient companies compete on a level playing field where the consumer and the buyer votes with their dollar for the best products and services at the best possible prices. There is nothing wrong with capitalism there is only something wrong with the way it is applied in United States of America. It could be done a lot better.

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What You Need To Understand To Invest In Real Estate

Investing in real estate scares some people. Understanding just what will happen when you invest, and even how to do it, can leave most people bewildered. This article’s been assembled to supply you with the some easy, but effective tips on entering the exciting field of real estate investing.

Remember that real estate investing is all about the numbers. When you’re buying a home to live in, you may get emotional about the place, but there’s no room for that in investing. You need to keep your eye on the data and make your decisions with your head, not your heart.

Do not be afraid to spend money on marketing. It is easy to just focus on the numbers and get fixated on how much marketing is costing you. However, it is important to think of the marketing as an investment in and of itself. If done the right way, it will only benefit you in the end.

Keep an accountant on speed dial. You can be aware of tax laws and current taxation; however, there are many variables to keep in mind. A good accountant, that understands and keeps abreast of tax laws, can be an invaluable asset. Your success with investing can be made or broken by your approach to taxes.

When negotiating, you should limit the amount of talking you do. You will be surprised at how often someone will do all the work for you just by letting them speak. Also, because you are listening, you will catch the right moment to strike for the price you seek.

As you look for investment properties, seek those that are likely to grow in value. Purchasing anything near water or close to other businesses will be beneficial to you later on. Think about the big picture and the chances its value will increase.

Don’t let your emotions cloud your judgement. Choosing a property to invest in should be a business decision, not an emotional one. It can be easy to get attached to a house or really fall in love with a location. Try to always look at things objectively. Shop around for the best deal without getting attached to one of the first few places you look at.

Find a contractor to work with that you can get along with. There’s no reason to get someone to help you with fixing up the real estate you invest in if you don’t like how they operate. You can save yourself a lot of frustration if you just find someone that you know will work well with you.

Stay away from deals that are too good to be true, especially with investors that you cannot trust or do not have a good reputation. It is important to stick with those who have a good reputation because getting ripped off in this business can cost you a lot of money.

Build your real estate investment buyers list with online ads. For example, you could use social media, online ad sites such as CraigsList and/or the local newspaper to draw attention to the properties you have on offer. Be sure to retain contact information for every person who shows and interest so you will have a well-rounded contact list as you accrue new properties.

Know the value of your time. You may enjoy renovating properties, but is the time you’re spending on it time well spent? Consider if you could better spend your time by searching for the next opportunity. If you are able to outsource certain jobs, then you should do so. It’s worth freeing up your time for the more important aspects of your business.

Don’t buy property in a bad neighbourhood. Pay close attention to where a property you are interested in is located. Make sure you are very thorough when looking at the area. Homes in bad neighbourhoods are often low-priced. The property could be at risk for being vandalized and may be hard to sell.

If you are thinking about purchasing rental properties, consider hiring a property manager who can help you screen qualified tenants. Because rental payments are likely to be the source of your mortgage payment, your tenants need to be reliable. Otherwise, you may end up losing money.

Before you buy investment property in a neighbourhood, find out if the city has anything planned for the areas surrounding this neighbourhood. For example, you would not want to buy in an area if the city proposed to turn an area into a landfill. If there are positive improvements on the horizon, this may be a good investment.

Don’t let a real estate investment deplete your emergency reserve or cash fund. When you invest in real estate, you’ll often not be able to access the money for a while. Don’t let this situation destroy your ability to live from one day to the next.

Know what you should be looking for in a property based on current trends in the market. For example, if you’re going to rent out the properties you buy, then it’s best to have units that are for single people, which is a current trend. Another example is to ensure any home you buy has three or more bedrooms because it will be easier for you to sell or rent to families.

As you see, there is a lot of information to learn regarding real estate investments. This article has provided you with the proper foundation concerning real estate investing. So, remember what you have learned, keep learning and get into real estate investing today.

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The Central Theme of Rich Dad Poor Dad by Robert Kiyosaki – Look For Assets Not Liabilities

Rich Dad Poor Dad has been reviewed by many writers. The book, written in 1997 by Robert Kiyosaki, immediately became a success. The concepts expressed therein are the foundation of Robert Kiyosaki’s Rich Dad book series.

Rich Dad Poor Dad expresses a number of concepts that seem contrary to the established norms of accounting and finance. Robert Kiyosaki defines an asset as anything that puts money in your pocket and a liability as something that takes money away from your pocket.

In Rich Dad Poor Dad and indeed the entire Rich Dad series, Robert Kiyosaki encourages his readers to look for assets and avoid liabilities. This is the key message to those who want to become wealthy and prosper financially.

Based on the definition of assets and liabilities is the concept of making money work for you instead working hard for money. Money works consistently and diligently for a wise owner multiplying beyond expectations. You cannot become rich by working for money.

You earn passive income when you get your money to work for you, a concept explored exhaustively in Rich Dad Poor Dad. Passive income is the foundation of wealth as it gives leverage to your efforts. After setting up an income stream, it continues to make you money while you sleep.

The Rich Dad Corporation has three main shareholders: Robert Kiyosaki, his wife Kim Kiyosaki and Sharon Lechter. The three of them are co-founders of the RDPD Corporation under which they have produced a range of RDPD books.

Kim Kiyosaki has written her own line of Rich Women, Poor Women which is based on the same basic principles expressed in Rich Dad Poor Dad but is directed to a different audience altogether. Riding on the back of her husband, Kim Kiyasaki’s books have also been very successful, drawing millions of satisfied readers.

Robert Kiyosaki has influenced the lives of millions around the world through his books, helping many to become aware and get rid of doodads, thus eliminating liabilities from their financial life. He has conducted millions of seminars and training programs. He is dedicated to educating humanity in business principles and handling of personal finances, thus helping them to escape poverty.

The Rich Dad Series gives many practical examples of how to grow money using real estate, the stock market and business. The books confirm Robert Kiyosaki’s qualities as educator and motivator, and his understanding of economics and money concepts. Employing skills as educator and his knowledge of money matters, Robert Kiyosaki has been able to build an empire on the concepts expressed in Rich Dad Poor Dad.

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