Carnival of Retirement #47

Folks, welcome to this edition of Carnival of Retirement, you can sign up for the next edition here!

Michael Kitces @ Nerd’s Eye View writes IRS Rules For Paying Investment Fees From Taxable And Retirement Accounts – Given the costs associated with investment advice, most people want to maximize any available tax benefits to help mitigate the cost. However, it’s important to make sure the fees are paid from the correct accounts, or your entire IRA can be disqualified!

James Petzke @ This Is Common Cents writes What Has Two Thumbs and Doesn’t Care About Black Friday? This Guy! – Black Friday sales are a very clever marketing trick to get you to buy useless crap you don’t even need.

Lance @ Money Life and More writes Be Prepared for Paycheck Shrinkage on January 1, 2013 – Sorry to break the news to all of my American friends but starting January 1, 2013 your paycheck will likely be 2% smaller and that is on the conservative side. It could be even smaller than that! So what am I talking about and why should you care?

Rohit @ The Money Mail writes Balance transfer offers can help you pay down debt quiker – You don’t want to carry debt till retirement, do you? With the cost of debt so high, it takes forever to pay down debt. Using tools like zero balance transfers, you can save on interest expenses and also repay debt sooner.

Darwin @ Darwin’s Money writes The #1 Thing You Need to Be Successful in Life (That Nobody Talks About) – Success at anything – life, career, finances, you name it – depends on this one single thing. And it is rarely talked about.

harry campbell @ Your Personal Finance Pro writes Why I Prefer to Make My Own Black Friday Deals – I’d much rather sit back in the comfort of my own home and shop online. And I say this, living in 60 degree winter weather; I can’t even imagine what it’s like to wait in line at 6 am when it’s literally freezing cold outside. But whether I find a deal on eBay or my favorite retailer Amazon, I can compare prices, use coupons and get free 2 day shipping(thank you prime!) all from the comfort of my reclining couch. This type of shopping might not be appealing to everyone but it defini

Bryan @ Gajizmo.com writes Why You Should Get A Home Insurance Estimate – After Hurricane Sandy and the latest natural disasters, it is more important than ever that Americans protect their largest investment – their homes.

Jennifer Lynn @ Broke-Ass Mommy writes Busy, Busy With a Focus Group (and a Spattering of Updates) – Read about my recent experiences with a focus group, and my latest updates

A Blinkin @ Funancials writes The Middle Class Squeeze – The term “middle-class” originated around 1745 as a social class between nobility and peasantry. Within the confines of Capitalism, somebody that was born with nothing could become something and rival nobles. Speaking more modern, ANYBODY can become SOMEBODY. It doesn’t really matter how you explain it or define it, though.

Passive Income Earner @ The Passive Income Earner writes Top 20 Dividend Stocks – November 2012 – My top 20 stocks according to my screening criteria.

CAPI @ Creating a Passive Income writes Job Ready – While this influx of applicants may make things more difficult when you’re hunting for a job, all you need to do is spend a little time making sure you are easy to find on the Internet.

MR @ Money Reasons writes Will Google Calendar Save This Blog? – My posting schedule is slipping, can Google Calendar save this blog? Read why I think it can and what my new schedule will be and why!

Robert @ My Multiple Income writes 3 Steps Towards Retirement Planning – My ideal retirement is not where I am no longer working. I want to be in a field that I truly enjoy, and also earn some sort of passive income and something safe on the side so that I can continue to enjoy what I love.

Don @ MoneySmartGuides writes 5 Investing Lessons To Live By – In a previous issue of Kiplinger’s magazine, Kathy Kristof wrote a column that compare’s the lessons learned in the movie Moneyball with investing advice.

Kanwal @ Simply Investing writes The Dividend Toolkit Review – Matt Alden, and fellow dividend blogger at the Dividend Monk has recently published a great stock analysis guide. I’ve had the opportunity to read the entire guide and apply some of its concepts.

Eddie @ Finance Fox writes Which Type of Mortgage is Right For You? – The most notable types of mortgage available for anyone who wants to buy a home, whether it is for the first, second or even third time are listed here:

Jon the Saver @ Free Money Wisdom writes Best Alternatives to Credit Cards – Credit cards are dangerous and can get people into serious trouble. Instead of risking it, why not use these alternatives instead and safeguard yourself.

Corey @ Steadfast Finances writes 4 Bond Strategies You Can Use To Grow Your Portfolio – Investing in bonds is just one way to diversify your investment portfolio. Bonds are a great investment if you want a regular income stream.

Invest It Wisely @ Invest It Wisely writes Our Bid for Financial Freedom by Age 50 – How much we earn from our money will determine how fast it grows. My husband and I have both learned that there are just some things that you can’t control. But it is nice to have a plan anyway.

J.P. @ Novel Investor writes What Is An ADR (American Depositary Receipt)? – There are many ways to invest in foreign companies. An ADR or American Depositary Receipt is an easy way to buy foreign stocks through your broker.

Luke @ Learn Bonds writes Frontier Bonds and the case for exotic investments – I had a phone call from a reporter this morning that was writing a story on frontier market bonds. Here is what I told her about this high risk investment.

Jason @ Work Save Live writes Understanding the Basics of Deferred Annuities – What is an Annuity? By definition, an annuity is: A fixed sum of money paid to someone each year, typically for the rest of their life A form of insurance or investment entitling the investor to a series of annual sums.

TDB @ Tax Deduction Blog writes Balancing Retirement and Your Child’s College Tuition – Most people view college tuition as a parent’s responsibility, but its cost continues to rise with no end in sight. For example, the fees and tuition of public schools rose by 8 percent in 2011 alone. Likewise, the cost of living isn’t going down either, so the cost of requirement is rising as well. Together,…

Corey @ 20s Finances writes Should You Invest in Bonds? – Bonds are understood to be the middle ground between stocks and cash. Bonds are more volatile than cash, but offer higher returns.

Jen @ Master the Art of Saving writes No Mortgage Payments For A Year-Sign Me Up! – Quicken Loans is having an awesome Sweepstakes going on right now. If you win, they’ll pay your mortgage payments for an entire year. How could I not share this? I would love to win this sweepstakes.

Gary @ Gajizmo.com – Personal Finance writes Best Ways To Get Cheap Car Insurance Quotes – Tips on how to save on your car insurance rates, the factors that affect your premiums, and 5 reasons you should compare quotes online.

SFB @ Simple Finance Blog writes What Makes a Company Successful? – Every entrepreneur wants his or her company to succeed. Of course, not every startup is going to enjoy the wild success that, say, Amazon, Google or Apple have had.

PPlan @ Provident Plan writes What Will You Do In Retirement? – Have you figured out how much you need in order to retire? Have you adjusted this for how you actually want to retire? Retiring young would require you to start

Michelle @ The Shop My Closet Project writes Rediscovering Passion – I am slowly coming out of a pretty long low life cycle that I never thought would end. Now, I’m not sure what to be more alarmed by, the fact that I am getting old enough to have negative or positive life cycles that can last more than 5 years or that it freakin’ lasted 5 years?

Ashley @ Money Talks Coaching writes The Failures and Eventual Success of Colonel Sanders – I love hard luck stories turned mega success. We see huge companies that have been there our whole lives and think that they just appeared.

Kyle @ The Penny Hoarder writes Ways to Save Money on Your Small Business Expenses – If you have a small business, it is almost just as important to minimize expenses, as it is to generate more revenue. If you don’t watch your expenses, you could easily find yourself running a deficit and struggling to maintain your business. Here are some simple tips to save money on your small business expenses.

Crystal @ Budgeting in the Fun Stuff writes Cheap and Easy Thanksgiving Sides – Here are my favorite cheap and easy Thanksgiving side dishes and links to the step-by-step recipes!

Infinite Banker @ Becoming Your Own Bank writes Mutual Fund Performance Infograph – Infograph showing mutual fund performance compared to the S&P.

PITR @ Passive Income To Retire writes Passive Income Challenge Update 1 – Learn more about my multiple streams of passive income and which source of income is the best.

Amanda L Grossman @ Frugal Confessions writes Attacking the Cost of Doing Laundry in Our Household – The two of us generate enough dirty clothes to run two loads of laundry per week (with one-two extra loads per month), or approximately 110 loads per year.

Sam @ http://creditcardselect.com writes Americans Treading into Murky Fiscal Waters Post-Election – Seniors may be in a position to experience the biggest financial wildcard as Obama’s second term in office progresses, as aging Americans are likely to see their retirement plans shifted by slew of various factors.

krantcents @ KrantCents writes How Do You Prepare for the Unexpected? – Are you prepared for the unexpected? This past week saw unusual weather hit the East coast and devastate the Jersey shore. Too many people’s homes and businesses are devastated and will take a long time to rebuild.

Rod @ ROD Blog writes Chase Ink Cash Business Card Review – Chase Ink Cash Business Card is one of the few no-fee business credit cards. How does it stack up on rewards and benefits compared to other cards?

Teacher Man @ My University Money writes What if Your Degree Doesn’t Match What You Really Want to Do? – Do you abandon your education in favor of what it is your really want to do, and waste thousands of hours of study and tens of thousands of dollars? Or do you just ignore what it is you really want to do? It’s a tough choice no matter which way you go.

Young @ Young And Thrifty writes 4 Strategies for Effective Workplace Communication – Since we spend more time in the workplace than we spend with our loved ones on a daily basis, trying to like your colleagues and work well with them is an important part of your day-to-day work.

Hank @ Money Q&A writes Buying A Purebred Dog Is Like Buying A New Car – There are a lot of things that you must consider before buying a purebred dog. It is a lot like buying a new car with all the considerations that you must take into account. Here are some tips.

Evan @ My Journey to Millions writes Important People You Need to Name When Estate Planning – Most people think about the flow of their assets when they think “estate planning” and while gifting, trusts, and taxes are obviously important I have found that there is something that takes precedence for most younger families and that is the naming of your Executor, Trustee and Guardian.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes WHAT IS THE FISCAL CLIFF? – How the Fiscal Cliff will raise taxes. Financial wealth building strategies to cut your tax bill.

Little House @ Little House in the Valley writes How to Remodel Your Basement to Create a Bonus Room – If you’re feeling cramped within your existing space, remodel your basement to become a bonus room for your kids, an in-law apartment or a second living room for your entire family to enjoy.

Lazy Man @ Lazy Man and Money writes A Few Hundred on the Side with No Time for Work? – f you don’t have time for a part-time job, you don’t have time for MLM. It saddens me that people like JeffM could use this kind of marketing to draw people in so that they can profit off them. With that MLM myth blown up, let’s look at the more important part… making money.

Matt @ Living in Financial Excellence writes Budgeting for Dummies: A Beginner’s Guide – Over the years, I’ve come across a lot of different approaches to budgeting. Naturally I feel that my approach is the best. That’s mainly because it works well for me. I finally realized that the method isn’t entirely critical as long as you’re accomplishing a few key things with your budget:

Ted Jenkin @ Your Smart Money Moves writes How To Rollover An Old 401(k) Plan – Why do you need to know the details on how to rollover an old 401(k) plan? The average person holds 11 jobs from the age of 18 to 44, according to the Bureau

ETZ25 @ Entertainment Timez writes Blogging Is Hard For Kids But Worth It? – Blogging for kids is hard, but can be a rewarding experience in many way. Read how my son is overcoming some of the previous problems.

Roger the Amateur Financier @ The Amateur Financier writes Six Ways to Support Veterans Throughout the Year – A look at ways to support veterans, not just on Veteran’s Day but also throughout the year, allowing you to improve the life of veterans throughout the year.

Daisy @ Add Vodka writes My Zombie Apocalypse Budget – Three things happened to prompt me to write this post and make an emergency budget should there be a huge emergency, like a zombie apocalypse.

SBB @ Simple Budget Blog writes Budgeting for a Wedding – Find out how to plan for the expenses of a wedding and not let money prevent you from having a great time celebrating your union.

Suba @ Broke Professionals writes Prioritizing Your Holidays: Thanksgiving, Christmas, or New Year’s? – More and more Americans are working in jobs that don’t stop just because of a holiday. Which holidays are your priority when it comes to taking time off?

Rich @ Growing Money Smart writes What is Dollar Cost Averaging? – Dollar Cost Averaging is an investment strategy where you are investing static amounts of chunks of money spread out over time (instead of a lump sum purchase) in a given investment.

Richard @ Modest Money writes Great Ideas For Simple Living – In uncertain times many families have been changing the way they manage their finances and lifestyles. The shift to simple living has become more and more popular. Often times it takes a serious crisis to get people to re-evaluate their situation and then change.

Chris_MoneyandI @ Money & I writes Flight Ticket Refund and Compensation: What’s the difference and when to claim? – A PF blogger explains all you have to know about flight refunds and compensations before claiming them. Check it out yourself!

Peter @ writes The (Rock Star) Benefits of Buying a Duplex – I know there is something about a mosquito, an albino, and “feeling stupid” but, to be honest, I have no idea what the lyrics in “Smells Like Teen Spirit” even mean. While I don’t understand the meaning of the song, every time I hear it I think of one thing: my retirement. Let me explain.

Peter @ Bible Money Matters writes The (Rock Star) Benefits of Buying a Duplex – I know there is something about a mosquito, an albino, and “feeling stupid” but, to be honest, I have no idea what the lyrics in “Smells Like Teen Spirit” even mean. While I don’t understand the meaning of the song, every time I hear it I think of one thing: my retirement. Let me explain.

Daniel @ Sweating the Big Stuff writes Should You Pay The Nanny Tax? – It’s estimated that 85-90% of people who have household employees do not pay what’s commonly referred to as the nanny tax. But should you pay it?

Miss T. @ Prairie Eco Thrifter writes 4 Tips for the Beginning Dividend Investor – If you are beginning as a dividend investor, here are 4 tips that can help you on your way:

IMB @ Investing Money writes Diversification: Everything you Need to Know – Find out everything you need to know about investing diversification for your portfolio.

Investor Junkie @ Investor Junkie writes Top 5 Financial Magazines to Read – Here are 5 of the top financial magazines that you should consider reading:

Sustainable PF @ Sustainable Personal Finance writes Want to Avoid a 459% Product Mark Up? Make Your Own Home Made Play-doh – Make your own homemade playdoh, save money (459% mark up on the brand name!) and have more fun.

Deacon @ Well Kept Wallet writes 7 Habits of Wealthy People – If you want to be wealthy, who should you study? Rich people, right? Well, here are seven habits of wealthy people that you can implement to start building wealth.

Maria @ The Money Principle writes What Happens After Liquidation – Personal finance focuses on how to make businesses successful; but more than 80% of them fail. Knowing about liquidation and what it means is important.

Tushar @ Start Investing Money writes Why Do Stock Share Prices Change? – Even if you don’t yet know too much about the stock market, you’ll probably be aware that prices change on a regular basis… Read why!

Shawanda @ You Have More Than You Think writes How Lazy Bastards Make Money Without Lifting a Finger – What happens if you quit your job? It’s not a trick question. Read how to make money without lifting a finger!

Jester @ The Ultimate Juggle writes Extra Expenses Around Holidays – Thanksgiving is almost here for all of us who live in the U.S. and while that may mean extra vacation days from work, it also means one of the most expensive times of the year.

Mike @ Personal Finance Journey writes 0% Interest – Can I really avoid cutting up my Credit Cards – Do you really need to cut up your credit cards or can a balance be found of wise spending versus interest rates. A great look at 0% offers.

Derek Knight @ Freeat33 writes From Never Saved to Retired In Ten Years. This Is How! – There is a better way to kick butt and retire early. This is how.

Todd @ Financial Mentor writes Retirement Planning Is Dead – Traditional retirement planning has failed. Statistics prove it is an old world model in need of a facelift. If you want to retire with security this alternative…

FMF @ Free Money Finance writes The Key Numbers That Make Or Break Your Retirement Security – Use retirement calculators to plan, test, and hypothesize your retirement future. They’re extremely useful when properly applied with a clear understanding of their inherent limitations.

Marie @ Family Money Values writes Best Holiday Buys for Long Term Wealth Preservation – Retirement is the time to hone that wealth transfer plan. Here are some resources to help you figure out how to keep your wealth in the family.

Matt @ Dividend Monk writes Dividend Stocks: The Essential Guide – An extensive tutorial of articles on investing in companies that pay dividends to shareholders.

Melissa @ Bargaineering writes How to Prepare Your Adult Children Financially for Your Eventual Demise – If you are the parent who is helping to take care of your adult children financially, you may want to adjust your assets so you can help care for your children even after you are gone.

Steven @ Grocery Alerts writes 10 Ways to earn Extra Holiday Cash – We have almost completed our Christmas shopping (maybe a few little gifts to buy), but many of our readers have shopping to complete that I wanted to share ten ways you can make some quick holiday cash.

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