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TUESDAY, JUNE 26, 2007

It’s hard to argue with the success that Robert T. Kiyoski has had with his Rich Dad series. Head over to Amazon.com and you’ll see almost fifty items on offer; Rich Dad in English, Rich Dad in Spanish, Rich Dad for women and kids. Even Rich Dad in Chinese. My personal favorite is the DVD Rich Dad’s 60 Minutes to Getting Rich. Ok, it’s a bit pricy at $79.99…but that’s a small price to pay for a DVD that will make you rich in 60 minutes, right?

Kiyosaki has developed an almost religious following (how else could one sell a Monopoly-like boardgame for $149.99) so the conventional wisdom is that I won’t win a lot of friends by criticizing his approach in a public forum like this one. But… dissenters are starting to pop up – interestingly John T. Reed’s blistering critique shows up at the top of a Google search for both “Kiyosaki” and “Rich Dad”.

Kiyosaki has become wildly wealthy selling his books and tapes and he couldn’t have done this without making an emotional connection with a lot of people. However, whether or not Kiyosaki is an investor that one would want to emulate is subject to debate; Rich Dad is full of questionable, vague advice and it’s tough to verify that he had any real success in his pre Rich Dad career.

The problem that I have with the Rich Dad is that the philosophy that he’s selling is not what the majority of readers really need. Analogies abound. Take a look at weight loss: Slim-fast, Hoodia and Anatrim all offer seductive sales pitches to overweight customers and rake in the big bucks doing so, but what these customers really need is a change in lifestyle, not a pill.

But lifestyle change is hard - doesn’t matter if you’re talking about getting a bit more exercise, or starting to save and invest with discipline – and advocating hard solutions doesn’t sell books. So better to offer up some folksy stories, a few vague truisms, and a heaping helping of motivational prose. There is a silver lining of wisdom that runs through Rich Dad, but the sales pitch is to glamorize a lifestyle of wealth and ease, and to do this Kiyosaki repeatedly emphasizes the material trappings of wealth. If the book motivates a few people to get off the sofa and take charge of their financial future then good for him, but the real message his is a compelling vision of a unlimited wealth just around the corner. You can glimpse it in the hazy distance when you read Rich Dad, but the implicit promise is that you’ll be able to pull it a bit closer with every Rich Dad product you buy. And, voila, before you know it you end up purchasing the $79.99 DVD and the $149.99 boardgame.

There’s not much substantive advice on investing offered in Rich Dad. His main theme is that you get rich by buying assets. Period. Most investors (and some speculators) realize that this isn’t true. You don’t get rich by buying assets, you get rich by buying the right assets. And buying the right assets is something that involves skill, discipline and knowledge. Education helps. So does a bit of luck and a lot of hard work.

Education and hard work are two elements that Kiyosaki specifically downplays. Working hard is for suckers in the Rich Dad world, and education is for dreamers who want to waste their time working for the man. That, in my view, is the greatest danger that Rich Dad holds for most readers. A solid college education, hands down, is the best investment that any young person can make. No other investment offers the return that can beat investing in a college education.

But that’s not a viewpoint that sells books. Kiyosaki’s target audience is made up primarily of folks who covet the lifestyle of the rich and famous, and he doesn’t want them to think that a lack of a formal education is an obstacle. His “education is a waste of time” pitch is designed to sell books.

Can you get ahead without an education? Sure you can. But arguing that an education is a waste of time is wrongheaded.

In reality, real estate investing isn’t fluff. And it’s not rocket science or mysterious. It’s a practical, hands-on form of investing and a proven way to diversify your returns and build wealth. It’s not particularly sexy to talk about discipline, managing risk, building credit, evaluating properties, managing tenants and negotiating with contractors – but that’s what real estate investing is all about.

They say that imitation is the sincerest form of flattery and there are Kiyosaki imitators all over the net – but scattered here and there you’ll find a few solid resources that will help point you towards the practices and skills you need to be a long-term successful investor.

Here are a few that I like:

CRE Online Forum The forum is great, but careful about the courses
Landlord Success Blog Tales from the trenches. Hands-on, informative, and sometimes entertaining
The Mortgage Professor Wharton Professor Jack Guttentag's take on the mortgage market
John T. Reed's Guru Guide Probably not the most objective piece of journalism you'll ever read, but this will keep you wary of some of the courses on offer out there.

Unrelated sidenote: I was profiled yesterday by OneBlogADay.com, a great site for discovering new destinations on the web - and I'd say that even if they hadn't profiled me. Go check 'em out.

Update, 10 August: There's an interesting thread over at the Consumerism Commentary blog.

Tags: Rich Dad Poor Dad, Real Estate Gurus,

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posted by: Chris Smith

Comments

Chris Lengquist

June 26, 2007

06:31 PM

I will second the nomination for Landlord Success Blog.

AustinRealtor's Wife

June 26, 2007

10:50 PM

Oh Chris S., I just spent 2 hours writing an article supporting your arguments, but Blogger decided to delete my post. Stupid Blogger. It was really good... I noted that Sam Walton would disagree with Kiyosaki and that children (and adults) should speak more languages than dollar signs.

So, I'm scratching it but want to commend your great article anyhow! :) Thanks for taking a potentially less popoular stance!

Christopher Smith

June 27, 2007

12:24 AM

Austin Wife: Hey what's up with Blogger squashing your muse like that? But it's the thought that counts...thanks for the comment.

I've had a lot of back and forth on this issue on various forums - one with a woman who was using Rich Dad to teach entrepreneurship and wealth management to inner city kids (using the board game). Teaching empowerment is great, but classes in getting rich just strike me as a bit glib.

And for anyone who doesn't think that Kiyosaki is a personality cult just check out www.richdad.com. Not one, not two, but three photographs of his smiling face righ there on the homepage. Wow.

Trisha

June 30, 2007

12:13 AM

Hi, Christopher! I wholeheartedly agree with you. I hesitate to say so very often, because I find that Rich Dad does a really good job of inspiring new investors to get going in REI. In fact, I have recommended some Rich Dad books for that very reason ("ABC's of Real Estate Investing"). BUT, I quickly follow by guiding them to more informative--less fluff--investing books. The main issue I have with Rich Dad is the expectations he sets. He grossly underestimates the level of complexity and difficulty (on the wallet, schedule, friendships, and family life) REI entails. It's almost as if his books are written on a hypothetical track--like he's saying "In a perfect world, all you need is the right team, the right location, and the right skills". Well, that's not untrue. But, who lives in a perfect world?!?!

Trisha

June 30, 2007

12:26 AM

Oh, by the way, I'm adding you to my blogroll. I love your blog! Thanks for writing!

Christopher Smith

June 30, 2007

09:04 AM

Trisha: Thanks! Glad to have you as a reader...

AdventuresInMoney Making

July 07, 2007

10:14 AM

I have to disagree with you.

its easy for everyone to say work hard, go to college, but thats not the end of it. in fact, thats not even the beginning.

It was 'retire rich, retire young' that prompted me to invest in real estate. it gave me the final push towards actually doing something.

I've read several of his books and I just finished reading 'who moved my money?'. I doubt there's even 1 thing in that book that you can point out as wrong or misleading. he mentions in the book that becoming wealthy isn't easy and its hard work and you need to educate yourself on the tax laws, starting a business and the different investment options. he specifically says that the real estate boom is over and you should look at commodities (which seeing that the book was written a few years ago sounds pretty right on to me).

I do agree his boardgame is incredibly overpriced and that he's now moving into real estate education, but I really can't bash his books.

of all the people who bash him, how many have actually read all his books?

Christopher Smith

July 07, 2007

12:20 PM

Adventures: As for not reading all of Mr. Kiyosaki’s books: I am guilty as charged. There are dozens of them out there and that’s far more than I’d be willing to spend on Kiyosaki products.

I read the original Rich Dad book so that was the focus of my post. Rich Dad is a book-length motivational speech, and one that has made Mr. Kiyosaki very rich. And hey – good for him. As for his readers: if buying Rich Dad products motivates someone to get off the couch and take charge of your financial future then great – that reader probably got their $11.53 worth out of the book and then some. It would appear that you fall into this camp. But in my experience his main effect that Rich Dad Poor Dad has on readers is to motivate them to go out and buy more Rich Dad Poor Dad stuff.

I could speak at length about things that are wrongheaded or misleading in Rich Dad Poor Dad, but I haven’t read Who Moved My Money so I don’t have an opinion on that book. As for your comments, however, I do have a background in commodities so I’d be interested in your views on commodities as the next vehicle for getting rich.

The main philosophical objection I have to the overall Rich Dad philosophy, however, is that it’s all about “secrets” to getting rich. A system for getting rich is always a shell game.

What Kiyosaki has taught me is that if you can write folksy, feel good prose then you make millions of dollars by spreading a thin handful of truisms about money into an expensive library of books, tapes, CDs and DVDs.

bob parker

July 11, 2007

01:20 PM

I found your perspective on RDPD interesting. I read the book years ago, so my memory of the book is distorted. But lately, I have been listening to his PBS specials, and PODCASTs (that of course are marketing for his other products).

Certainly, every professional's creation is an encouragement for using himself more. We are not encouraged to just read one book of the bible (or any other religious text), but all of them and then read them repeatedly. That is not to say RDPD is a bible, but the concept of promotion based on the authors improvement over time is fairly standard. Otherwise, why should I desire to see what new ideas you have come up with next week.

My biggest question is have you played the game? I have not, so I am truly interested in your experiences. Certainly, $150 seems high, but so is paying $15 for a movie at i-max compared to when it will be 'free' on broadcast TV, unless there is some additional value. I do not know about his game (yet).

I have used RDPD as part of my consulting with small-businesses for a long time. In fact when I worked with one of the larger small-business consulting firms, it was one of their key resources for its ability to explain key concepts.

Here are some of the ideas I remember from the book:

1) There are many types of education including book learning and reality based. Many successful people have learned from reality based.
2) We all have challenges, so do not use that as an excuse to fulfill your dream be it an employee, or an investor.
3) It takes lots of work.
4) You can fail and still succeed.
5) Those who succeed, learn or educate themselves, and think through to a vision of what they are trying to accomplish.
6) Understand or educate yourself on the current rules of capitalism and our republic system.

What confuses me is how you seem to put down Robert's selling of education, but at the same time accusing him of being anti-education. It seems to be a contradiction? Unless you feel that the only education is what is learned at a university. You seem fair more educated then someone who only knew what was taught at a university. Even your website title alludes to it - "Real Estate Investing in the Real World". That does not sound like a university attitude.

Is Robert cultish? I guess so, most successful people are. It certainly makes it easier to use oneself as an example then someone else of what works. Who is more famous - Phil Jackson or Micheal Jordan, the coach who has duplicated with multiple franchises or the superstar who was his own example. Either way, I don't believe it really makes a difference as to the validity of his ideas.

Christopher Smith

July 11, 2007

03:10 PM

Thanks, Bob, for your comments - which you obviously put some thought into.

I don’t think that Kiyosaki encourages education. What he does is encourage people to buy Rich Dad Poor Dad products. There’s a big difference.

Kiyosaki specifically puts down any sort of formal education as backwards and a waste of time, and he brags about his own educational shortcomings. This is a specific tactic that Kiyosaki uses to connect emotionally with his target audience, since there appear to be more people who have negative memories of their educational experience than there are with positive memories.

Indeed I don’t have a “university attitude” – I think you’re 100% correct there. Working in the real world takes ingenuity, creativity, and emotional intelligence. But, in my case, my formal education was *critical* in giving me the conceptual framework for almost every problem that I’m challenged to solve. A formal education, in my opinion, is the single most valuable education that one can make.

Can you succeed without a formal education? Sure! But to say that a formal education is not useful is wrongheaded. Just like the real estate courses that emphasize “no money down” or “you don’t need credit” this is sales tactic.

I take your point that most famous successful people generate a following. Agreed. But…I’d see a big difference between either Phil Jackson or Michael Jordan and Kiyosaki. You’d follow Jordan if you wanted to be a great basketball player. You’d follow Jackson if you wanted to be a great leader and coach. You’d follow Kiyosaki if you wanted to become an extremely rich vendor of books, CD’s, DVD’s and motivational speeches.

Generally speaking I agree with all the Horatio Alger “follow-your-dreams” thread that runs through the six ideas that you got out of the book – but in my view he unfortunately backs it up with a bunch of wrongheaded ideas which are primarily designed to sell stuff.

But, there's two sides to every issue. Glad to have you as a reader and part of the conversation.

bob parker

July 13, 2007

01:16 AM

Thanks for the reply and conversation.

I read through John T. Reeds treatise and there are certainly a lot of points that sound substancial. He obviously has put a lot of effort in them. Good recommendation. The worst part is there is a lot of substance to them that takes some time to read through. But, he summarizes his conclusions nicely at the beginning and end, for those in a skimming mode. I don't agree with every point, but the there seem to be a lot of valid ones.

As to your responses, I think we have a lot of common ground after reading your comments. I believe the biggest difference in opinion is whether he is pushing education. I believe he is pushing continuing self education as a lifelong tool for success. I agree he is setting up for marketing his materials. But, I had the sense from what I have been seeing lately of his self promotion, that he is pushing education. He does leave a nice line of dots that infer his education will serve you well after building that nice warm fuzzy. But I feel I hear/ignore that with anyone and often do not even notice it until someone else points it out (a few others pointed it out on some of my other recommendations lately). I guess I never felt that any one guru's had all the truths, but many have a few answers. After look at enough answers with some core fundamentals we come to our own truths and best practices. Of course Robert does not list a lot of answers, but only a few directions to look at.

Part of my challenge is my bias that university seems an inefficient way to get some of the education needed. My bias comes from starting in computer systems analysis where the instructors/professors were only a few classes ahead of me in their own learning. Later, I found out they could not program their way out of a paper bag (I ended up working at the same place a couple had 'consulted' at, so I got a fairly unbiased opinion). Later I took a 1 day SBA class that more clearly explained accounting then 2 semesters of college classes. Overall, I found that most of my experience taught me that universities want parrots, not results. I think that was one of the ideas that I was getting from RDPD.

Did I get anything useful out of university? Certainly yes. I just felt I could learn more and earn more doing 'real work' then reading about it. I also am making broad generalizations for more of the technical specific type of information, rather then general background. So the 'best' method it a combination of many types of education from book (in a variety of forms), to classroom, to hands on to self study. When I needed formal teaching, I usually selected a company to be an employee at and traded some of my earning potential for some formal adult education and hands on experience.

Jon Isa

July 25, 2007

03:41 PM

I have read the first 3 Rich Dad books, found them very inspirational. Even though I have read and studied his books, I do find myself questioning Kiyosaki's actual business history and accomplishments prior to hitting it big with Rich Dad. I have actually "succeeded" in business, built a business through incredibly hard work, and now 49 years of age, I have not worked for 9 years. The puzzling part for me is that if Kiyosaki has not actually done as fabulously as he has claimed, his book "Guide to Investing" contained a section on building a business that was in my opinion extremely accurate. Though Kiyosaki does not provide details on a how-to level, I found the material very accurate when comparing it to my own experience. Perhaps he culled this information from other sources on the basics of business? While reading the book, I found myself questioning the truth of Kiyosaki's past accomplishments while simultaneously being in awe of its accuracy as I experienced it.

The Cashflow game. I purchased the game and played it quite extensively, and it really taught me the basics of the income statement and balance sheet. Throughout my business career, I tried learning about the income statement and balance sheet on multiple occasions, but gave up. If you asked me to explain what they were, I would not have been able to do so. Now, after becoming handy at the cashflow 101 game, I can at least spout some understanding about the income statement and balance sheet. Was it worth the money? Well, I did try to educate myself on the matter through books and I was never able to understand what an income statement or balance sheet was even though I was able to build on a local level a very successful business. I now have at least a basic understanding that I did not have before. The examples in the game are very rudimentary, and it does give the feeling that making deals to acquire assets might be as simple as deals falling into your lap even if you have to comb through hundreds of deals to find one good deal that offers a positive cashflow. Nonetheless, if teaching the basics of an income statement and balance sheet is the game's goal, it is very effective, and I think that many can benefit from it as an educational tool.

It does bother me that Kiyosaki does not offer details of his past business activity, how he achieved a passive income of $10,000 per month prior to the Rich Dad books. It does bother me that the identity of the real Rich Dad is so elusive. John Reed? - you sure seem angry, but your comments on Kiyosaki surely address ugly matters that I just wish are not lies.

Roger

July 25, 2007

09:51 PM

I think your post is right on the money. I have read a few of the books and I enjoyed them. But they really are just the first step to motivating a beginner to learn more.

Christopher Smith

July 27, 2007

01:04 PM

Bob, Jon, Roger: Good points, all.

I would point out, however, that it is farily well established that Kiyosaki fabricated substantial portions of Rich Dad Poor Dad. When pressed about his "Rich Dad" in a SmartMoney interview Kiyosaki commented "Is Harry Potter real? Why don't you let Rich Dad be a myth, like Harry Potter?"

Very telling comment - and very good advice, actually. Approaching Kiyosaki's works as myth-spinning and fable-building is probably the safest approach. If it has some emotional get-up-and-go impact on the reader then great, but viewing his books as mythical works of fiction will probably prevent the reader from taking his advice too seriously - and that will keep you out of trouble.

Jon Isa

July 27, 2007

03:20 PM

Wow Chris...

The thing that bothers me is that instead of referring to Rich Dad as a fable character (or giving hints of it), Kiyosaki sure seems to really refer to his rich dad as a very real person. I remember reading when Rich Dad walked on the beach, at the water's edge with Mike on one side and Robert on the other side, with RD's hand on Robert's shoulder (as I remember). Now that I think of it, kind of idyllic and perhaps improbable? - so improbably picturesque? The sun was also probably setting on the horizon as they walked on the beach… must have covered a long distance and they probably had to walk all the way back… or maybe they walked back and forth right in front of that piece of property that Rich Dad bought.

Just to sell books and product? Wow. Why would he lie? If he lied, that sure is bothersome to me. I remember trying to emulate specific business people to later find out that they were crooks who got into serious trouble. My effort to try to achieve honestly what they were doing dishonestly... sending me down a road that wasn't really portrayed accurately, maybe something like trying to stay even with guys on steroids. It would be okay if steroid users said: I'm on steroids, but the methods I'm using work, just that you very probably won't get the results I'm getting.

I can't remember which book it was in, but it might have been in Winning Through Intimidation (?) where the author listed "real world rules". One rule was something like: almost never trust a guy under 40 who owns a Lear jet. That rule almost always works, lol. From the Motley Fool site, I read: This brings us to the No. 1 rule for successfully avoiding financial hucksters: If someone truly has the means to get rich quickly, they aren't going to tell you about it. That sure sounds more accurate to me, and I've always wondered why, if people were so successful doing things they did in the past, why aren't they doing it now rather than selling books and products fulltime? Is it that Kiyosaki doesn't have any children so he doesn't have anything else to do and feels a deep void in his life? Still to misrepresent is an issue of integrity.

As I said in my first post, what puzzled me was Kiyosaki's writing on developing a business. I found it extremely accurate in what I had to do and actually used his materials as a guide. If Kiyosaki had no experience in business, how did he write about things seemingly so accurately? Did his knowledge about building a business all come from his nylon wallet business?

I hired a consultant who charged over $20,000 for 4 days. It actually resulted in at least $20,000 increased gross per month. The thing though was that the consultant to me was almost like a con man and eventually went bankrupt in his consulting business. After some years I theorized that this consultant latched on to genuinely good materials that worked that he could teach and sell to others, but in reality, he had the mentality of a con man who never did the things he taught. He also, in my opinion, had little integrity. I also brought in another consultant for marketing who gave very honest advice, but this man was no con man, and the results were substantial.

Over the years, though I felt the con man consultant's material was very good and effective, I have come to the conclusion that the same material he sold for $20,000 could have been also taught in a book that could be bought for $20. The execution of what was taught though, would still take years of work whether in book form or taught in person one on one.

Christopher Smith

July 28, 2007

08:06 AM

I feel like the guy who exposed the tooth fairy.

But this isn't investigative reporting on my part; I'm just stating my opinion. Kiyosaki was ratted out by proper journalists a long time ago. The following Motley Fool article (an excellent site, by the way) is from 2003:

http://www.fool.com/news/commentary/2003/commentary030714me.htm

But don't despair: even after Dorothy found out the Wizard of Oz was a fraud she discovered she'd learned something from the experience.

September 09, 2007

07:50 PM

I have read two of his books and played the GAME as well. (Both cash flow 101 and cash flow 202) And let me tell you, they are GREAT! Cash flow 202 can help you learn A LOT!

So those of you are bashing Kiyosaki are not really seeing his work in the right perspective. I have read,''Rich dad, Poor dad and ''Cash flow quadrant'' and both were really good informative tools to help me get going, but the real clincher was the Game.

First play the game and then think about bashing him.

Later. :)

I just happen to be here right now. If you want to contact me, email me on this address: Ser3ne@hotmail.com

Stephanie

November 10, 2007

06:23 PM

It is my belief that everyone has a right to their opinion. With that said, I have a few questions:
1.How many people will benefit from hearing it?
2.What are all of your real estate investment qualifications?
3.What is your net worth?
Bottom line: How many people can you(honestly)say you've really helped?
Robert Kyosaki, through his books, games and education has helped me become financially independent, helped motivate me to levels of success and happiness I thought did not exist as well maintain a positive attitude in a (currently)negative economy. If he helps those that want to better themselves and makes some money for his time or books, what exactly is wrong with that? Isn't that what business is all about? Robert doesn't make anyone purchase any of his "stuff"-it is each individuals free choice! Where is individual responsibility? There are plenty of products on the market, here in America especially, that don't do anything for anyone. It is easy to find something negative about anything or anyone if that is what you are looking for and the same goes with something positive-why not choose the glass half full?

keri t

January 13, 2008

02:43 PM

Has anyone heard of www.choicea.com ? My sister showed it to me while I was in Seattle last week, looks clean and to be a neat concept.
keri t

Joanna King

February 21, 2008

04:37 PM

I just finished a three day seminar with a trainer from Rich Dad, Poor Dad. While it was motivational, I came away wity some thought provoking questions. First of all, the trainer/speaker was quite good is continuing the vague but inspirational talk about how to invest in real estate the right way. The more he kept talking about his personal life though, the more I decided that what he was selling, I don't want. He is divorced, kept talking about missing opportunities like tucking in his girls at night, and the frustration of having a broken marriage, and feeling like he was missing out on his girls' lives. He was gone 3 out of 4 weekends a month (Thursday-Monday) doing speaking/training events for RDPD. He kept assuring us he didn't NEED to do it, but that he wants to do it. My question in my mind...am I willing to sacrifice my family and the relationships I hold dearest to me for the pursuit of the almighty dollar? I have REI in my portfolio, I own my own business. Now the question was...when is it enough? When am I going to be content? When does going after the "Deal" hold more satisfaction than sharing an ice cream cone with one of my four children? I left with great motivation to continue making great decisions for my family, my whole family and not just ME. Would that mean I might "miss" a deal because I was at my daughter's piano recital, or my sons football game. Probably. Would it matter in a lifetime from now? That was all I needed to ask myself. I went home after a weekend of intense motivational speaking and hugged each of my kids. My husband & I really like some of the aspects of RDPD, but we like our family even better!

Ross

March 04, 2008

11:11 PM

It is very easy for anyone to agree with most of what is written here, by all of the contributors. I have read most of Robert's books, I own the Cashflow 101 game, as well as the kids game. Both of my kids, at 8 and 11, know quite a bit about what the games teach and are better for it. Are they going to college? Absolutely.

In all of the readings and videos I've seen, though, I can't remember ever hearing Robert state not to go to college. I think he triumphs "education"! I believe what is being misspoken here, is what he thinks about our overall educational system in the US. It is true, we are not the best. And it needs to be changed.

He offers, at no charge, course materials for kids K-12, as well as two college course materials, just to help get some financial literacy into our schools. He wants our kids to at least get exposed to information that will help them better understand this world he is sharing.

As for touting his own stuff...well, welcome to American capitalism. I tried to find the article on the Motley Fool and supposedly exposes him, but it doesn't exist. However, I did find this article written by one of their staffers, Selena Maranjian, and you won't believe it...but practically that whole page touts articles and books from the Motley Fool and its owners and writers. Weird, huh?

Oh, the last book on their Recommended list was Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money--That the Poor and Middle Class Do Not! by Robert T. Kiyosaki and Sharon L. Lechter.

Enjoy!

http://www.fool.com/Teens/teens10.htm?terms=robert+kiyosaki&vstest=search_042607_linkdefault

Ross

Christopher Smith

July 31, 2008

06:11 PM

The Rich Dad links on Motley Fool have moved. Here are the new links:

http://www.fool.com/news/2003/07/14/quotrich-dadquot-just-a-fad.aspx?terms=rich+dad+poor+dad&vstest=search_042607_linkdefault

http://www.fool.com/personal-finance/general/2006/09/26/quotrich-dad-poor-dadquot-fairy-tale.aspx?terms=rich+dad+poor+dad&vstest=search_042607_linkdefault

http://www.fool.com/investing/mutual-funds/2006/08/18/rich-dad-dumb-dad.aspx?terms=rich+dad+poor+dad&vstest=search_042607_linkdefault

horseracing software

November 23, 2008

05:19 AM

Thanks for taking some time out of your busy schedule to make great informative posts like this one. Cheers.

http://www.jeremydelgado.com

December 07, 2008

07:53 PM

great information, I think people with the right education can make a lot of money in this economy...