Second Lesson: Cashflow Quadrant

In the first lesson, Kiyosaki talked about three kinds of education. In that lesson Kiyosaki speaks about one of the most important fundemantal ideas of his teachings: the Cashflow Quadrant.

There are four basic ways that  money can come to you (cashflow)


The left side of the rectangle

  • E- Employee – You work for someone else and get paid
  • S – Self employee – You think that you are your own boss, maybe you have some employees but the business is you.  The idea is that you must be in your business, if you leave the business it will collpase.

In that left side of the rectangle, you work per hour (or per project which depends on the hours you are actually working). The idea is that you must work for your money.

The right side of the rectangle

  • B- Businesses that work by themselves. The idea is that you initiate a business that in time runs itself. In those  businesses you do not need to be physically present in the business to earn money, those kinds of business produces money for you. (sometimes those businesses are called “Passive Income”).
  • I – Investment. The idea is Smart Investment. Usually the investors (I) buy Businesses (B). Just to be in the safe side: when I write investment I (almost always) do not refer buying mutual funds,  ETF’s etc.

The idea of the rectangle has a lot of layers which will be discussed in the following posts


First Lesson: Education: Rich Dad Poor Dad,

In the first lesson of the short course Rich Dad Poor Dad, Kiyosaki explains his ideas about education. He argues that there are three kinds of education:

  1. Academic education – Which is studied at school and university.
  2. Professional education – Such as studying carpentry, law, medicine, etc.
  3. Financial education

In his opinion, educational systems do not teach financial education and most of us have a lack of it. His teachings speak to that lack of knowledge. 

Rich Dad Poor Dad Course

Blind Typing

Blind Typing, sometimes called touch typing, is an important skill to learn, especially if you have, or are thinking of setting up an online business because the more accurately and faster you can type the more time you have to concentrate on other tasks to make more money. Continue reading

8 Good CPM programs (Also for new websites)

CPM or cost per impression are a monetization program which is somewhat similar to PPC or pay per click, but they are different. In PPC, the publisher can earn the same earnings with two or three clicks whereas in CPM program, it can be earned with thousands of impressions. Even though many publishers prefer PPC, there are still a large number of publishers which prefer CPM over PPC for various reasons. Cost per impression are best for those publishers who get a large number of traffic on a daily basis. The best thing with CPM is that the publisher doesn’t have to worry about sales or ad clicked.

Generally, in CPM program, graphical banner or ad box are provided to publisher which publishes this banner or graphic ad on his blog or webpage. CPM programs are advisable for those publishers who receive a large number of unique traffic on a daily basis. On the other side, some people prefer PPC but majority of such people get limited and targeted traffic which is why they prefer pay per click advertising. However, there are some publishers who get very limited traffic in a day, but who are still interested to monetize their webpage or blog through a CPM program.

Many people are unsure which CPM program is best for their website or blog. The following are 8 CPM networks which provide good earning opportunities to the publishers:

1. Valueclickmedia

Valueclickmedia is a great platform for those CPM publishers that get limited click. This site usually accepts most websites with a limited number of visitors each day. However, this website doesn’t accept forums most of the time. If you get a quality forum which displays quality content, then you should go for This web platform also gets a minimum requirement which includes a minimum of 3000 visits per month. Furthermore, this CPM platform only supports those websites and blogs which have content in English language only.

2. Popads is another fine site for those publishers that have low number of visitors. They say that they have very liberal terms and most of the websites and blogs are accepted on this website. However, if you don’t like popup ads, then this is not the cost per impression network for you. Apart from the popup ads, this CPM network  offers tremendous earning opportunities. The lowest minimum payout, multiple payment withdrawal methods and high quality service make it a prime CPM network for the low traffic websites. 

3. Tribalfusion

Tribalfusion is one of the few highest paying CPM websites these days. If a person gets thousands and thousands of unique visitors per month then this particular CPM program is best for him. The first and foremost important thing for tribunalfusion is its highest paying rates which makes it a viable option for higher visited blogs and websites. However, there are a few requirements of tribalfusion which must be fulfilled in order to be part of Tribalfusion family. For instance, a publisher must receive more than 500,000 unique visitors every month to be part of this network. Furthermore, a blog or website should be updated regularly with high quality and relevant content.

4. Advertising

Like most CPM networks, is another CPM network for high visited blogs and websites. warmly welcomes those publishers that have a large number of regular visitors who landed on their blogs or web pages. Even though there are numerous CPM networks available, provides more opportunities to the publishers by offering more pay on lower impressions. This way, publishers can relatively earn more than other major CPM networks. This CPM network is one of the 1st tier advertising companies in the USA which is the reason why many publishers from USA and Canada prefer it.

5. Technoratimedia is one of the largest social media advertising networks on the web. Many of the 1st tier brands are advertised on this network and that is why they offer the highest per CPM rates to the publishers. Organizations like Google, IGN, MSN and CNET, etc are included in client lists which makes visitors familiar with the brands advertised on the website. There are dozens of positive reviews of technoratimedia available which furnish positive picture of this CPM program.  About the earnings, though the company sometimes offers $2 per CPM but on average, the rate stays around  $0.4 per CPM which is relatively good.

6. Cpxinteractive is considered one of the top US advertising agencies on the internet. It delivers more than 60 billion impression per month to more than 60 countries around the globe. If your blog gets a large number of unique visitors every month, then Cpxinteractive is the right place for you. Cpxinteractive requires more than 300,000 impressions per month from a publisher in order to get accepted for Cpxinteractive publisher account. Cpxinteractive not only provides several analytical tools to publishers, but it also offers good customer support as well. Cpxinteractive offers very reasonable rates for the publishers which ranges from $0.15 per CPM to $0.20 per CPM. This CPM provides multiple payout options which include paypal and cheque.

7. Casalemedia ranks number 9 in CPM ad platforms around the globe which provides the better understanding of this advertising company. Casalemedia offers a lot of opportunities for the publishers to grow and earn. Even though a lot depends on the niche and content of the publisher,  Casalemedia provides ample opportunities to the publisher. Usually, the pay rates are quite good, the eCPM varies from $0.40 to $0.70. Furthermore, this advertising company provides freedom to withdraw earnings through major sources like Paypal.

8. Popads is a network with a high turnover of eCPM. This advertising network provides sufficient opportunities for publishers to earn. The good thing about popads is minimum payout amount which is very nominal. The payment cycle is daily and the pay rate is also very good. The payment procedure is also very easy and popads offer to pay via Paypal and Alertpay Wire to the publishers.

My favorite CMP programs

Even though most of the above CPM networks provide good earning opportunities to publishers,  CPM networks like tribalfusion and technoratimedia are on the top of the list. These two advertising companies have very competitive pay rates and if a publisher gets thousand and thousand impressions in a month, then that publisher should try tribalfusion and technoratimedia.

However, if a publisher doesn’t get much visitor on his/her website, then there is no better website than valueclickmedia. This particular CPM network accommodates low traffic websites and provides good earning opportunities from its multiple programs.

iWriter Manual – Buy Cheap Article

What is iWriter?

iWriter is a web content online repository where anyone can buy articles from the site or serve as a freelance writer. It does not require much prerequisite for one to buy articles from the site. The great thing about this exquisite site is that you can buy cheap contents from it for as low as $1.25.All that is required of you is to post your job and wait for a minimum of 2 hours turnaround time before you can get a complete job from prolific writers.

What Content to Get

The appealing fact about the site is that you can get any cheap content from it. The site is equipped with thousands of freelance writers who have abundant knowledge from different niches.

For example, you can post a job about health, art, business, freelance and any other topic. You are the sole decision maker who will determine if you are satisfied with the content or not. If not, you can reject the job you posted and not pay the writer and then re-post it for another person to undertake.

How to Post a Job

All that is required of you to get cheap articles is to have a computer connected to the internet. You need to visit the link and sign up as a contractor not a writer.

Sign up from the link labeled “Get Content”.

The site is easy to use as it does not require much credentials before you can be verified.

You just need names, email, username and password.

In order to get the job done, you need to have some funds to your account which can then be used to pay for the cheap article that will have been written for you.

Funds are added via the $0 sign symbol link that is on the top left side of the home page of the iWriter site.

Thereafter, you click on the link “Get Content” again and fill some data about the job you want to get done. Here, you enter information such as project type, word count, cost, special instructions and submit it for writers to attempt to it. In case you have a special writer to assign the task, you can enter his/her username so as to send it as a special request. You will then have a minimum of 2 hours before you get your cheap content done.

What to Do After Getting the Content

After the job has been returned to you, you will then have to approve and ask for a review to be done or reject it. This will depend on whether you liked or disliked the content. Don’t forget that if you are not pleased with the job done, you will not be charged any amount. If the writer has sent you spam content, you can report them by clicking the “report as spam” link. You can also rate the writer with a star of between 1 to 5 depending on his/her prowess. Always remember to rate a 5 star for the content that is professionally written.

Don’ts of the Site

You should never share personal information such as email or mobile number with the writer or ask for his/hers. If you do so, both of you or one of you would be blocked from the site.

8 Good PPC programs that are not Google AdSense

These days there are various PPC programs which offer different pay per click rate to publishers.

On the top of the list is the Google AdSense which is one of the most renowned PPC program. However, I am not going to discuss it here because so much has been discussed already about this PPC program. The following are few programs which are somehow similar to Google AdSense but also provide better earning options.

Even though all PPC programs are somewhat similar to some extent, however, there are few general rules for every PPC programs which should be in the mind of every publisher. First rule is the authenticity of the program and then its payout method and minimum payout rate. Most programs have somewhat similar per click rate so every publisher should check the genuineness before joining any PPC program.

1. is a good PPC website which has almost all features that a good PPC program should offer. Clicksor provides multiple earning options for the publisher. The publisher can use either one or all earning options to monetize webpage or blog. The pay rate  is $0.035. Clicksor offers multiple options for payouts like Paypal, an online bank transfer and even cheques as well. There were many people who used this program and they were quite happy with the outcome.

Getting started with Cliksor is very easy. It has plugin blogger, wordpress, joomla and drupal which make it very convenient for many publishers.

2. is a famous PPC website which offers a good pay per click earning. They have a system which has a large number of top quality websites, and also provides PPC services to the publishers. PPC promotion is an easy way to handle internet promotion because promoters only pay when their ad is visited and that is why many companies prefer this method of advertising because it is cheaper as well.

The average per click on is $0.025 per click and any publisher can affiliate with this program. Many publishers from around the globe take advantage from this particular web portal and get good earnings. There are many reviews available about this website and most of them are in favor of this PPC portal.

3. is a good PPC program in terms of per average click rate. This program offers $0.030 which is higher than many programs of similar nature. There are many positive reviews about this program available on web and for many, it is a very ‘promising’ program.

From above-mentioned programs, looks promising and it offers a good pay rate. Furthermore, it also offers a low minimum payout which makes a publisher withdraw earnings quickly.


Bidvertiser,com has a quick and simple to use way for marketers of all sizes to show inconspicuous ads on their website and generate income. This method is free and Bidvertiser will pay you for legitimate per click ads on your site. You simply insert an HTML code into your web pages and ads will immediately start showing. Promoters will bid against each other for your ad area, while 3rd generation bidding-based ad providing system will always show the highest visitors those that will generate the maximum revenue for publishers.

Once the publisher has created an account then the publisher will be offered with a few lines of HTML code to insert onto website. Once the publisher pastes the HTML code on a web page, ads will immediately begin showing and the Bidvertiser system will regularly use the sophisticated system on website to increase publisher income. 

Bidvertiser gives the publisher liberty to use multiple websites for earning. Furthermore, bidvertiser offers multiple options for payout. The publisher can either use paypal or check to withdraw an earning after every calendar month. This particular program offers a minimum of $10 payout and if a publisher doesn’t have a minimum payment into his publisher account, then the outstanding balance will be transferred to next month’s income automatically.

5. is a unique pay per click program which can be used alongside other pay per click program as well. This particular PPC program occupies literally zero percent of your web page space and works very well for those people who already use any other PPC program.

The working methodology of Exit Junction is simple yet very effective. It emphasizes on bounce traffic and recent surveys show that more than 60 percent web surfers bounced back to the search engines from web pages. Exit Junction redirects to the ad page whenever a person tries to reach at the source search engine after visiting the web page. Therefore, this program clearly monetizes the exit traffic of the publisher.

The payment procedure is very friendly and a publisher can choose a payment option from multiple options available like wire, paypal and cheque. I like this program because it provides a better user experience for the visitor due to ads invisibility because some web visitors instantly get irritated due to excessive ads. Numerous reviews of this particular program show that many publishers of Exit Junction are happy with its payout period and pay rates.

6. is an organization that allows you use the ad prevents (search focused Ads) method that display various reviews of products. Their system will pay you every time these ads are visited by your guests, providing you 60% of the income produced from their promoters

Chitika ads work for most publishers which belong from different parts of the planet like USA, UK, Canada, India, Denmark, Germany, etc. Even though there are numerous features of this particular PPC program, one thing which amazed many people is its openness towards hacking content. Chitika accepts hacking content and works with it. Thus, there is a huge opportunity for those people who have hacking content because they can use this particular PPC program on their blog or webpage.

Chitika is one of the few companies which can be used with Google AdSense. So if someone is already using Google AdSense, then he can still monetize his blog or webpage with another PPC program as well.

Chitika is also compatible with mobile which increases its visibility to mobile users. Chitika provides numerous pay out options like paypal or cheque. The minimum payout amount is very low which is $10 for paypal and $50 for cheque.


If you are looking for a perfect PPC portal then is the perfect place for you. It is a network of various PPC websites that provides  huge PPC links to the publishers. Some of these websites are really good and offer very good earning options.

Most websites in the network provide numerous payout options for the publishers and they can use cheques, online bank transfer and paypal with other renowned payment methods for payout.

Maybe one of the best


My Favorites PPC Program

Even though most of above programs are suitable for most publishers, however, few PPC programs like and are more advisable.

There are few reasons for choosing these two programs. First and foremost, it is important to have good pay rates. Another promising feature of these two programs is its minimum balance requirement for payouts. Furthermore, clicksor and bidvertiser can be used along with other PPC programs like AdSense. Even though a publisher prefers AdSense, recently, many other PPC programs were introduced and some of them are really promising like bidvertiser and clicksor.