Ultimate List of Free Music Online

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If you like free legal music then this list is for you. Please leave a comment if you have more ideas.

Internet Radio on Steroids

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Thesixtyone.com features independent music, newly signed bands, and bands you might not hear on the radio. Sorry, no Backstreet Boys here.

Make a profile and try to rack up points by “bumping” good songs early, referring people, and listening to “the rack”. Thesixtyone.com encourages a lot of interaction between bands and listeners. Many of the bands give away their music for free and allow you to download as you listen. Others provide a link so you can buy it. To say the least thesixtyone is an indie music paradise.

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Deezer
With super simple sign up you’ll be listening to music in no time with Deezer. Create you own playlist or have Deezer suggest new songs based on songs you’ve suggested.

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Pandora will suggest new music based on their users listening habits. A huge database drives the listening experience. As you listen you teach Pandora about your tastes. It learns your unique preferences and makes new recommendations. It is scary how good Pandora is at picky music you like. It’s awesome.

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Tell musicovery your favorite genres and mood and it will do the rest. It has a playful interface you’ll love from the start. Yea! Bubbles!

Social Media Music

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imeem: where artists, fans and friends share their tastes and discover blogs, photos, music and video.
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Last.fm connects you with your favorite music, and uses your unique taste to find
new music, people, and concerts you’ll like.

Do you have a great place to discover music on the web? Please leave a comment.

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Book Review: Total Money Makeover – Dave Ramsey

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Summary
The Total Money Makeover was written to dispel financial myths and outline a 7 step “money makeover” plan. Dave’s style is rough around the edges and he doesn’t tip-toe around issues. If you need a kick in your pants to start being financially responsible this is the book for you. The myths he dispels are important for those trapped in financial pit. The first few steps of the money makeover are right on.

Highlights
1 – Debt is carries high risk and makes you financially “flabby”
2 – A step-by-step guide is outlined to get on your feet
3 – Financial security comes from within, but so do the problems
4 – The grass under your feet will feel different when you own your home
5 – You must have “Gazelle Intensity” to survive
6 – Avoid car payments. Instead, save cash and buy a quality reliable used car, like a lot of millionaires do as they build wealth.
7 – Being in debt has been so deeply engrained into our culture some people face ridicule from those ‘disciples’ of debt. Debt is not a tool. Instead, the added risk will eliminate any short term gains.

Criticisms
1 – He reads the audio book himself. His voice can (sometimes) be a little annoying. He is a professional talk show host so it’s not that bad though.
2 – The last few steps in the money makeover are debatable (i.e. paying off the mortgage completely, investing solely in mutual funds). That’s not to say they aren’t good ideas, there just might be some alternatives that are better for some people. He presents them as hard fact when there are many options once a person has considerable cash and no debt.
3 – This is rookie friendly but doesn’t advocate becoming financially literate.

Closing Remarks
If you are struggling with debt this is the book for you! It has some great advice for getting your feet underneath you. He commends people that pay with cash (even for their homes) and advocates a debt free lifestyle. It’s a fun read and you’ll enjoy his unique way he discusses the issues.

Buy the The Total Money Makeover: A Proven Plan for Financial Fitness

If you’ve read the book please leave a comment, we’d love to hear from you.

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