LKHEAD1.GIF' alt='Half Dollar For 600 Pick 4 Cash 4 Lottery System Exerciser' title='Half Dollar For 600 Pick 4 Cash 4 Lottery System Exerciser' />Youd think the library would want your used books But outside of the occasional usedbook sale, libraries usually only get their books from specific vendors.By. The worlds first electric truck isnt anything fancy.And thats the whole point.The B1 sports utility truck, as Bollinger Motors founder Robert.About a week ago, J.D. over at Get Rich Slowly posted an article about the difference between high income earners and low income earners.Most of the diffe.Get the latest news and analysis in the stock market today, including national and world stock market news, business news, financial news and more.The Library Usually Doesnt Want Your Used Books.Youd think the library would want your used books But outside of the occasional used book sale, libraries usually only get their books from specific vendors.By dumping your used books on them, youre actually creating work for volunteers and making things worse.We talked to librarian Stephanie Anderson, Assistant Director of Selection at Book.Ops the shared technical services collaboration of New York Public Library and Brooklyn Public Library.She explained whats so bad about dumping your books on the library, and why they dont want them.Half Dollar For 600 Pick 4 Cash 4 Lottery System Exercise' title='Half Dollar For 600 Pick 4 Cash 4 Lottery System Exercise' />Ask FirstAlmost all libraries have a well defined policy on donations, says Anderson.So look it up before you cart your books over.It is likely to be on their website, and if not, you can ask at any desk in a library, or call them.Ask them who does want your used books, and theyll usually have an answer ready.And if the library does want your books, you dont have to read this postCongratulations Most Libraries Cant Use Your Books.Anderson knows that would be donors have good intentions.But, she says, when you insist on donating books to a library that doesnt accept them, or insist on donating books that a library cant use, its disrespectful of the institution youre trying to support.You would not believe how many people get angry and argue with librarians when they learn about our donation policies, says Anderson.Picture that embarrassing kind of person, throwing a fit because they didnt do their research.Half Dollar For 600 Pick 4 Cash 4 Lottery System Exercises' title='Half Dollar For 600 Pick 4 Cash 4 Lottery System Exercises' />Never be that person An important aspect of having well rounded finances is charity.Giving is generally accepted byRead more Read.Why They Dont Want Your Books In short, books arent all the same, and the ones youre getting rid of arent the ones the library needs, says Anderson.Not even the new ones In a best case scenario, we can do one of two things with a donated book add it to the collection, or put it in a book sale.Many novice book donors expect us to do the former, but we almost never do, because it is highly unlikely that we need the book donated at the time it is donated.In order to spend book budgets wisely, we do a lot of planning, and that planning cant depend on book donations.Instead, libraries buy from vendors.Its the only way to reliably match supply to demand, and to get fresh books that definitely dont have bedbugs or other hidden defects.And buying the physical book isnt the only part that costs money.Even If They Use Your Book, Its Not Free When the library adds a new book to their collection, they dont just unbox it and slide it onto the shelf.They have to add a barcode, spine label, and laminate it or add a clear Mylar cover so it lasts longer.They have to assign that barcode and add the book to the catalog.These all cost the library money, as does the time of the staff member who processes the book, says Anderson.Libraries never have enough staff time.The library also needs space to shelve each new book.Because theyre already doing their job buying all the books they need, your unneeded book is just using up space until the staff spends more time recycling it.When You Can Donate Books Of course, this doesnt apply to book sales, which the library uses to raise funds and to dispose of its own extra books.They wont always need 2.John Grisham. Still, check the donation policy, which will probably disallow textbooks, magazines, and other materials that no one will buy.If you donate those, again, youre creating work for the library.As mentioned, there are other exceptions, which you learned when you googled your librarys donation policy The Brooklyn Public Library, for example, is running a pilot program at its central location, accepting new and gently used books.What to Donate Instead You can still helpMost libraries will happily take your tax deductible monetary donations.Many of us depend on these donations to keep our collections in good shape, says Anderson, and every dollar helps.You can also volunteer, which will help you learn how libraries work, and appreciate the many things they do behind the scenes and the many services they provide outside of books.Remember, most libraries are understaffed, and youll free up highly educated librarians for more technical work, so theyll appreciate the help.Heres What to Do With All Those Books Well, the library probably told you where else to donate them.You could make money or store credit by selling them to a used bookstore.Or, and this will shock you, youre allowed to throw them out.Its part of the book circle of life says Anderson.It might feel weird Books are magic.But theyre also produced in mass quantities, and now theyre all digitized as well.If your book is at all rare, its selling for lots of money on Amazon and Abe.Books, and thats where you should take it.Otherwise dont worry, there are plenty of copies somewhere for anyone who wants to read them.If your library doesnt have this book, suggest that they buy a copy.Theyd rather have a new one from a vendor, honestly.Anderson points out that almost everywhere in the country, books are recyclable.So your old books will get a second life, as an Amazon box for your new books.Deconstructing Robert Kiyosaki The Simple Dollar.This week, The Simple Dollar is deconstructing five top personal finance and investing pundits and asking the big questions about their track record and their message.Update Based on the strong feedback on this piece, I wrote a lengthy review of Robert Kiyosakis Rich Dad, Poor Dad which highlights some of the issues discussed below. 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If youve been reading this series this week, youve probably noticed a gradual change in tone I was quite positive about Jim Cramer and Dave Ramsey, pretty positive about Suze Orman, and then yesterday gave a middling review to David Bach.In other words, I started off with the people I had the most confidence in and moved in the direction of people I had less confidence in.Today, Im going to write about the one personal finance guru that I actually feel is fraudulent.Even worse, his advice has some very serious flaws to it that can lead people down a very dangerous path.Today, Im going to discuss the author of one of the most well known personal finance books ever, Rich Dad, Poor Dad Robert Kiyosaki.It wont be pretty.Kiyosakis Background.It is very difficult to find a clear, reliable background on Robert Kiyosaki, but heres whats easily verifiable about him.He was involved in several business deals most notably, nylon Velcro wallets in the 1.In this timeframe, he became heavily involved with Amway, a multi level marketing system, and began to cultivate relationships with many of the top members.In 1. 98. 5, Kiyosaki founded Cashflow Technologies, a company that was designed to pitch a series of books and other educational materials that eventually evolved into Rich Dad, Poor Dad.By the mid 1. 99.Kiyosaki had self printed Rich Dad, Poor Dad and it was starting to appear in wide distribution among members of the AmwayQuixtar organization, as individuals higher in the pyramid would recommend it to people further down the chain looking to get ahead.Kiyosaki took these sales numbers to major publishing houses and before you know it, Rich Dad showed up on shelves everywhere and spawned an army of similarly packaged books, board games, and so on.Kiyosakis Rich Dad, Poor Dad Message.Kiyosakis philosophy mostly revolves around generating passive income through investments and continuing to build up these investments until their passive income can support you.In other words, you should seek out and buy investments that can generate income for you.Kiyosaki believes that financial leverage is absolutely vital, and he also eschews education, saying that formal education is primarily for those seeking to be employees or self employed individuals, who he identifies as people who will never be rich.He often diagrams his philosophy by dividing people into four groups Employees, who work for someone else.Self employed, who are their own bosses.Business owners, who own a system of making money.Investors, who invest money to receive a larger payout.Obviously, with this philosophy, employees and the self employed will never get ahead.Also, note that Kiyosaki refers to a business as a system, which Ill refer back to in a bit.My Take on Kiyosaki.Im going to have to be careful here lest this devolve into a complete hatchet job, so here goes.Robert Kiyosakis business ideas were formed as a result of a number of business failures and one success.The singular success came about as a result of leveraging a product through a pre existing pyramid marketing organization.Thus, Kiyosakis perspective on success revolves around merely leveraging others into making money for you.If you believe that making money is merely leveraging people and things, you are going to fail.Heres why Network marketing, which is how Kiyosaki found success, is basically just a form of franchising that has a very low cost of entry.The problem with it is that the only people who are rewarded are effective salesmen.People who get involved in network marketing are quite simply hoping to turn a quick buck without having to invest the time and money to grow a business and also dont have the initial capital to start a true franchise or an independent business of their own.Are these people you would look to for financial advice As a result, Kiyosaki basically ignores the concept of risk.In Kiyosakis world, there is no risk, or at least its not a big enough factor to ever worry about.His books encourage people to start working for themselves, but the individuals who would be attracted to Kiyosakis work are individuals who generally dont have the backbone, the salesmanship, the acumen, or the pre existing network to make such plans work.People who start their own businesses are taking on a significant amount of risk, and to ignore that risk in your advice is simply giving terrible advice.In no way am I saying that going into business for yourself is a bad choice, but it is a choice that merits some careful planning and analysis and realization of the risks involved.In Kiyosakis world, risk is for losers, yet until he came across a preexisting network that he could utilize, he failed time and time again to start his own business.In other words, Kiyosakis own background shows the huge flaws in the advice he gives.Do you want to know the straw that broke the camels back for me Kiyosaki changes fundamental parts of his story to fit the situation.For example, he claimed for years that Rich Dad was real in order to get Rich Dad, Poor Dad accepted as nonfiction, but in the February 2.Smart. Money magazine, Kiyosaki said Is Harry Potter realWhy dont you let Rich Dad be a myth, like Harry Potter In other words, the entire premise under which Rich Dad, Poor Dad was sold was a complete fabrication.Kiyosaki misrepresents the facts and gives advice that directly contradicts both common sense and his own background.The bottom line Robert Kiyosakis knowledge is highly flawed and his material has all of the integrity of James Frey.He completely undervalues risk, which is the trap that so many failed businesses and bankrupt individuals fall into.Hes the one financial guru whose work I dont trust based on the authors name alone.
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