Ladies and gents, welcome to this edition of Carnival of Money Pros.It was sweet to get an extra hour of sleep today. Time to change the clocks and watches. You haven’t done so and impacted by the DST time change you need to take care of that now.
Lately I have not been posting reviews at FPR, my normal schedule is going to return and things should be normal by the new year. I will take a month long vacation to visit my parents and in-laws in India.
Enjoy the carnival and learn something new today from the posts.
Mike @ The Financial Blogger writes Crucial Info on eBook Marketing This is the Stuff You Don’t Wanna Miss – How to make some real money off an eBook launch.
Martin @ Studenomics writes The 3-Step Simple Formula to Save $25,000 – How to save up the big bucks.
Jennifer Lynn @ Broke-Ass Mommy writes How Much Cash Do You Carry? – Is there a right answer? Not exact, so let’s discuss how much cash you carry. I’ll reveal how much cash I carry around!
John @ Married (with Debt) writes The BEST Emergency Fund Setup Ever – Read here to learn how to setup the BEST emergency fund ever. It’s diversified, tiered and easily accessible.
SFB @ Simple Finance Blog writes (Inexpensive) Personalized Gifts – We all have that person on our shopping list: the person who has, literally, everything. For me, this impossible-to-buy-for person is my youngest brother-in-law. The guy really does have everything.
Jester @ The Ultimate Juggle writes Spending Priorities for Your Family – Juggling the many expenses of raising a family is difficult. There are lots of things that demand money and even more things that you would like to purchase with whatever money that you have left over.
BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes SHOULD I TRADE IN MY CAR? – You can trade in a car and still build wealth. Save and spend on what you value.
Ashley @ Money Talks Coaching writes What Are You Teaching Your Kids About Money? – We teach our kids almost everything they know… whether we like it or not. Sometimes I wish my kids wouldn’t learn what I’m teaching.
Shawanda @ You Have More Than You Think writes Menu Plan Monday: “Back At It” Edition – In recent weeks, I’ve eaten most meals away from home. Even though I buy a lot of grub from budget friendly Peruvian grills, the costs add up.
TTMK @ Tie the Money Knot writes Would You Want a Gift Card for Christmas? – Many people like to receive gift cards, but have issues giving them. This post explores this topic further, and asks what you think.
IMB @ Investing Money writes How to Evaluate a Stock – Find out how you can evaluate a stock and what you need to know to make a wise investment.
harry campbell @ Your Personal Finance Pro writes Build Credit for Someone by Adding Them as an Authorized User – When I first purchased my condo three years ago, I was not offered the lowest rate due to my insufficient credit history. Even though I had a credit score in the high 700′s, the bank considered me a slight risk because my credit history was so limited(I was only 22). I thought my mom was doing me a favor during college by opening a credit card for me in her name but once I canceled it and opened my own card, all that history was gone.
Your Boss @ What Your Boss Really Thinks writes Ask Your Boss: Why Does A Boss Care if I am Late Ten Minutes – Why does a boss care about someone being 10 mins late to work but doesn’t notice when that person works through her lunch to meet a deadline? Just from the way you formulated this question, I can see that you are frustrated with your boss.
Don @ MoneySmartGuides writes 10 Things That Make You Poorer – CNNMoney recently posted an article about 10 Things That Make You Poorer. The list includes: Smartphones Cars Credit Cards Rent-To-Own Anything Money Market Funds Lottery Tickets Cigarettes TV Collectibles House I think this is an interesting list.
Invest It Wisely @ Invest It Wisely writes How to Get Kids Interested in Money and Investing – One of the best ways to get kids interested in money is to start when they are young. Children still want to hear everything you have to say.
ETZ25 @ Entertainment Timez writes Staying The Weekend At The House Of A Friend – This is one of my more frugal activities, but when money is tight, nothing beats staying at a close friend’s house for the weekend!
Daisy @ Add Vodka writes Is Entrepreneurship Dying? – Once upon a time, men and women across America had aspirations that amounted to great entrepreneurial feats. Millions wanted to develop businesses, and sought nothing more than a company or organization to call their own.
Passive Income Earner @ The Passive Income Earner writes RESP Explained – Learn about the Registered Education Savings Plan (RESP)
Jason @ Work Save Live writes 5 Ways to Save Money on College Textbooks – 5 Simple Ways to Save Money on College Textbooks It’s no secret that college tuition costs are going up each year.
Michelle @ Making Sense of Cents writes Spending, Life, Income, Food Updates… – In my weekly updates, I talk about all things in my financial life.
Eddie @ Finance Fox writes Change is Good – Glad I Switched to an iPhone – After spending an hour in the Telus store, talking, comparing and crunching numbers, I walked out with a new iPhone.
Tushar @ Start Investing Money writes Tips for Building a Solid Mutual Fund – This Post was Originally published at Tips for Building a Solid Mutual Fund on Start Investing MoneyIf you’re thinking about building a mutual fund, it is well worth finding out as much as you can about it before you get started. One thing you should know is there are lots of options out there for building a mutual fund.
Daniel @ Sweating the Big Stuff writes Could Free Returns Be The Policy Of The Future? – The only time that shopping in a store is cheaper is when you have to return a product. But what is all stores offered free return shipping?
Mike @ Personal Finance Journey writes Christmas on a Budget – Planning a great Christmas on a Budget is simply about thinking ahead and following our great advice on squeezing the most out of your dollar.
Rich @ Growing Money Smart writes Dollar Cost Averaging In Practice – In my last post, I wrote about what Dollar-Cost Averaging is about and gave some example of how it works. Today, I’m going to talk about how I personally use Dollar-Cost Averaging in my “real life” and why I think overall it’s the way to go.
CAPI @ Creating a Passive Income writes Five Methods to Create Passive Income – Have you heard the hyped up ways to generate passive income? Find real ways to create passive income. No gimmicks. No Hype. Real life experience.
Tushar @ Finance TUBE writes Saving For Kids College Education – Today we will talk about saving for Kids College Education. If you have kids then you will know how important it is to start saving for the college education.
PPlan @ Provident Plan writes Finances and Going Back to School – Going back to school isn’t cheap. You need to find out how you can afford it before making the leap.
MR @ Money Reasons writes Financial Benefits of Having a Fuel-Efficient Car – I’m buying a new car, and unlike when I was younger, I’m now going to buy a fuel-efficient car to get the best overall value with my purchase.
A Blinkin @ Funancials writes Can the Government Save the Economy? – 1. CAN the government save the economy? and if yes, 2. SHOULD the government save the economy? We can answer the first question rather simply. Any ECON 101 course will teach you that, through monetary and fiscal policy, the government CAN impact the economy.
Amanda L Grossman @ Frugal Confessions writes Liquidating Our Electronic Graveyard: How did We do? – I opened up our closet in Paul’s office the other day and realized that our graveyard of electronic carcasses had grown big enough in size for me to attempt…
PITR @ Passive Income To Retire writes My Passive Income Challenge – Find out which passive investment is generating the best return.
Corey @ Steadfast Finances writes What Happens When You Don’t Pay Taxes – Perhaps you haven’t given it much thought, but there are very different implications and penalties for not paying your taxes.
Jon the Saver @ Free Money Wisdom writes How to Place Real Estate in an IRA – Have you ever wondered how you can place real estate in an IRA account? It is something most Americans don’t know about and it’s easier than you think!
JP @ My Family Finances writes Women Lie More than Men When It Comes to How Much They Work – If you’ll lower your defenses for a moment, I’ll explain why women lie more than men when it comes to how much they work.
TRL @ The Retired Landlord writes Is it Better to Leverage Your Money? – Find out the advantages and disadvantages of leveraging your money. This may not be the best route to take for those who are afraid of risk.
Luke @ Learn Bonds writes I Know Where CD rates will be in 2015! Why Doesn’t Nobel Laureate Thomas Sargent – Thomas Sargent says he doesn’t know where CD rates will be in a couple of years. Here’s why we know what he doesn’t.
Roger the Amateur Financier @ The Amateur Financier writes 6 Ways to Cut Your Halloween Costs – A list of methods to cut down the expense of your Halloween party and other activities, from your costume to your candy to give out and your pumpkin for carving
Wayne @ Young Family Finance writes Seasonal Expenses – Find out why my family spends more money in particular seasons and how we are able to save more money in others.
Corey @ 20s Finances writes What Would You Do with Extra Money? – If you have ever received a bonus, raise, or a little extra cash, you have likely had to ask yourself what to do with your extra money.
Hank @ Money Q&A writes Why Layaway Is Bad For Your Family’s Finances – Layaway is great for stores, but it is typically a losing proposition for us consumers. Here’s why layaway is bad.
Sustainable PF @ Sustainable Personal Finance writes Using a Midwife – One Year Later – The Experience – Details of our midwife and home birth experience a year after we welcomed our son into our lives
SBB @ Simple Budget Blog writes Budgeting for Vacations – Find out how you can scrounge a few extra pennies to go on an exotic trip.
Young @ Young And Thrifty writes Using Groupon, Living Social and Other Sites Like Them To Check Out a New City – One of our most popular articles on this blog is the one Young wrote concerning sites like Groupon and Living Social, as well as lesser-known sites that offer similar discounts. We expand on it.
Kyle @ The Penny Hoarder writes How To Make Extra Money with Forex – Forex trading is one of the most popular ways to invest outside of the stock market. In fact, Forex trading is actually the largest market in the world, with trillions of dollars being traded everyday around the world.
Teacher Man @ My University Money writes My Love-Hate Relationship With The Campus Bookstore – As a book nerd, I’m all about bookstores. I love the atmosphere, the celebration of literature, and the quiet library-esque respect that generally pervades the area. Campus bookstores are pretty cool places if you are into book culture.
Joe @ Midlife Finance writes Saving For Retirement: More… or Less? – There’s a new trend out there, arguing against the long-held advice put out by practically every financial guru, from Money magazine to Suze Orman: You don’t really need as much for retirement as they’ve said all these years.
Steve @ Ready To Quit My Job! writes Calculating the Monthly Nut and How Your Savings Affects Your Decision to Quit – You need a plan and since you also need a roof over your head and food in your belly (among other things) the first thing you want to figure out is how much you need to cover your expenses on a monthly basis.
Infinite Banker @ Becoming Your Own Bank writes The Ugly Truth about Suze Orman – Learn the ugly truth about Suze Orman and how her own personal finances are opposing to her advice.
krantcents @ KrantCents writes Get Paid to Stay Healthy – Paid to stay healthy? Can you imagine insurance companies paying you to stay healthy? I can’t! Health insurance companies are routinely vilified for their practices. Now they are not only encouraging healthy behaviors, but actually paying you for it. It is a 180 degree change, but I will gladly take it.
Suba @ Broke Professionals writes I’m A Bonafied Professional: Finding Financial Independence – Financial independence snuck up on me – after working freelance for two years, I finally managed to find a gig that makes me a professional writer!
Jen @ Master the Art of Saving writes Getting The Most “Bang” For Your Halloween Bucks – A lot of people always complain that Halloween costumes are such a waste of money.
TDB @ Tax Deduction Blog writes How to Do A 401K Rollover – A step by step guide – A 401K retirement plan follows employees all through their careers and it is a noteworthy benefit of this plan. But when an employee has to change jobs, there comes an important decision to be made – what is to be done with his/her 401K? Since a decision in this regard is imperative, it requires one…
Crystal @ Budgeting in the Fun Stuff writes Our House is a Money Thief – Moving is expensive and new homes come with a lot of expenses. Here are the ones we expected and a few we didn’t.
Roger Wohlner @ The Chicago Financial Planner writes Financial Choices and Presidential Elections – Over your lifetime your will have a number of financial choices to make. Be sure that your choices are informed and that they make sense both now and down the road. While a vote that you later regret is frustrating, poor choices with your money can haunt you for the rest of your life.
Maria @ The Money Principle writes Changing my position on credit cards: a sign of weakness or growth – Is changing our minds a sign of weakness or growth? I illustrate my point using my opinion on credit cards as an example; and it is growth!
Debt Guru @ Debt Free Blog writes Staying Out of Debt with Insurance – While many people perceive financial despair and bankruptcy as a result of bad decisions, the truth of the matter is that many similar situations arise because people are not adequately covered in case of extreme situations.
Ted Jenkin @ Your Smart Money Moves writes Tricks and Scams to Avoid When Buying a Diamond or Engagement Ring – So you’re ready to start shopping for a diamond engagement ring? Congratulations! But how can you be sure that you’re dealing with a reputable diamond
Chris @ The rplan blog writes Greatest investments over the last 15 years – A personal finance blogger dug deep pursuing his investment/start-up interests and found out which investments made in the last 15 years were the most lucrative. He also comes up with a little extra – the greatest investment in history by Pres. Thomas Jefferson.
Jeff Rose @ Good Financial Cents writes Can You Borrow From an IRA Without Penalty? – Recently, I had a client call in and inquire about borrowing against their IRA. Borrowing is more commonly associated with 401k’s, 403b’s and cash value life insurance policies. With IRA’s, “borrowing” or taking a short term loan on your IRA is not allowed.
Grand Per Month @ Grand Per Month writes Make a Grand Per Month with Some Wood and Nails – Since the lumber company manufactured large desks and tables, there were often scrap pieces of wood that still measured 1’x2.5’. Rather than having these hunks of wood thrown away, I decided to nail them together in a simple square, and then put a shelf in the middle. Voila, it was a bookshelf, and I priced them at a cost of $10 at the local flee market. I bet that I sold 40 bookshelves that summer and earned an easy $400. That’s pretty good for an 11 year old kid.
Penny Thots @ Penny Thots writes Have Patience When Paying Off Debt – I know you want to get out of debt as quick as possible. I did too. You can work as hard as you want to eliminate the debt, but make sure you take a step back and address why you are in debt to begin with. This will help you avoid repeating the same mistake over and over again.
J.P. @ Novel Investor writes Can You Trade If The Stock Market Closes? – The stock market doesn’t close unexpectedly very often. On days when the market is scheduled to open, there are ways to trade even when it’s closed.
Jason @ Live Real Now writes Working My Life Away – There are a couple of interesting things about my work history. Job #1 started when I was 6. Job #9 started when I was 21. I’m 33 now.
Miss T. @ Prairie Eco Thrifter writes The Basics of Starting a Freelance Business – There is a lot of potential as a freelancer to land big clients and charge high prices for your work. But if you don’t get things set up the right way from the beginning, you risk facing some big challenges down the road. Here are some of the things you need to do before you open for business.
Investor Junkie @ Investor Junkie writes Mint.com Alternatives – Is There Anything Better? – While Mint.com is one of the most popular budget tracking apps out there, it isn’t the only option. From the review of Mint.com, we’ve seen a number of dissatisfied users of the product. In addition, for those who want to go a little deeper with their personal finances, in a way that Mint can’t always match, there are alternatives.
Evan @ My Journey to Millions writes Comparing Mortgage Rates a Generation Later – I don’t think many people actually understand how low the mortgage rates really are today and how those low rates work with an amortization payment schedule to make real property purchases an amazing opportunity. I recently had a conversation that reminded me that we are in uncharted territory historically speaking.
Mr. Money @ Smart on Money writes 3 Helpful Tips for Choosing a 529 College Savings Plan – As you consider your 529 plan options, here are three things to keep in mind:
Steven @ Grocery Alerts writes How to Save Money on Meat – Meat is one of the most expensive portion of any meals and knowing how to put together a frugal meal will make meal planning easier. Here are 10 great tips to help save money on meat.
Jason @ Modest Money writes 10 Tips to Get Your Finances In Order Before the New Year – While most families wait until the New Year – presumably after setting goals for the upcoming year – to get their finances in order, there is no reason to waste precious months when you can get tackle them now!
Peter @ Bible Money Matters writes Why Do Bank Transfers and Deposits Take So Long? – We live in an age where you can make a purchase at your local grocery store and have the charge show up on your online account register within minutes, but we can’t transfer money from one bank to another in less than a few days. Wouldn’t you think it’d be possible to transfer money almost instantaneously? That probably is the case, but banks don’t allow those instant transfers in order to reduce the risk of fraud.
Lazy Man @ Lazy Man and Money writes Do You Take the Guaranteed Money in Your 20s? – I have a friend who stays at a job he hates, because, he says, “It’s guaranteed money. I’m in a good position. I can’t get fired and the money is guaranteed.” That makes total sense. Why risk something that’s guaranteed? Why rock the boat? What do you go for in your 20s? Should you take the guaranteed money or take some risks?
CF @ The Outlier Model writes 3 Ideas for a cheap and frugal Halloween – Halloween can be expensive – if you let it be. How did you save money this year? Here’s what we did.
FMF @ Free Money Finance writes Real Estate 101: Getting It Rented – After you make a purchase there can be a temptation to ease into the property. You might want to take some time to get more familiar with it. It can be easy to get distracted by little details and tasks, but this is the time you need a single-minded focus on one major task. That task is to get the place rented.
Robert @ The College Investor writes Reader Question Can I Make Money Using a Balance Transfer at 0%? – Credit card arbitage used to be a very popular way to make money and take advantage of low interest rate credit cards and high interest rate savings accounts. However, over the last few years, with savings accounts yielding nothing, less people have been doing it.
Beating Broke @ Beating Broke writes Ready to Buy a Home–Really? – Most of us reach a point in our lives when we think we are ready to buy our own home. If you’ve been thinking that yourself lately … pause for a minute and examine your reasons carefully. After all, home ownership is possibly the largest single investment of your lifetime and such a momentous decision deserves careful consideration.
Robert @ My Multiple Incomes writes My Monthly Income Stream Report – October 2012 – The biggest thing that continues to amaze me is the power of multiple income streams. I love how, even if one income source dips a bit, another seems to take its place. After being penalized by Google, it is important to not just rely on one single source of revenue, because you never know when that is going to change.
Philip @ PT Money Personal Finance writes Can I Contribute to Both Accounts and Is the Limit Shared? – A letter from a reader prompts PT to answer a question about making contributions to multiple tax-advantaged retirement accounts.
Robert @ Entrepreneurship & Life writes What You Can Deduct from Your Taxes – As a new business owner, you probably don’t spend much time thinking about your taxes. Of course, your operations are the priority, but make sure you track everything so you can get the best deductions when April rolls around.
Little House @ Little House in the Valley writes 4 Ways to Finance a Home Renovation – In a perfect world, people would save up their money before renovating their home, but in our imperfect world, renovations are often needed before the funds have accumulated in our bank accounts. Financing a renovation isn’t nearly as scary as it seems. Four popular ways to finance a home renovation include:
Everything Finance @ Everything Finance Blog writes Saving Money Is Hard – How to Make It Easier – If you want to save more, here are some ways to make it easier.
Justin @ The Frugal Path writes How to Start Saving When you Can’t Afford To – Many people believe that they cannot afford to save money because they fail to act below their income. But by starting with small amounts and by using various tactics, nearly anyone can save big money.
Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes 3 Ways to Help You Get Rich Quick – Some people think they will get rich quick by winning the lottery or coming up with ways to make tons of money by doing as little as possible. For those that aren’t so lucky, there are ways in which every single one of us could get rich quickly by following the rubric laid out by the author of this post.
Jefferson @ See Debt Run writes Consumer Driven Health Plans – A Good Option? – Consumer Driven Health Care plans are becoming very common in today’s corporate world. However, there are a few things about this plan that really concern me.
Mike @ The Financial Blogger writes Is a Four Hour Work Week Attainable? – How many hours per week can you learn?
md @ Start Freelancing Now writes How You Can Still Freelance When You Have No Time to Spare – How your little spare time can land you more cash.
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