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.

Carnival of Money Pros – Day Light Saving Edition

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.

Yakezie Carnival -The Fincon12 Edition

When the entire personal finance blogging community is in Fincon12 at Denver, it feels a bit awkward to be left out of the party. The same old job excuse which no body wants to listen to any more is the excuse for me this time as well, like Fincon 11. To become a successful blogger you got to attend those conferences.

While most of the bloggers are in Denver, you may read their recent blog posts in this awesome carnival. Hope you’ll get values out of these personal finance advices.

 

Greg @ Club Thrifty writes Separate Finances: A Recipe for Marital Disaster – Keeping separate finances in a marriage seems to be a trendy thing to do these days. Here is why that decision is a disaster waiting to happen.

James Petzke @ This Is Common Cents writes REIT’s: Hassle Free Real Estate Investing – REIT’s can be an easy way to enter the real estate market.

Lance @ Money Life & More writes Combat Lifestyle Inflation: Save Half of Every Raise for Retirement! – I decided I was going to be prepared for retirement after seeing all of the headlines in the news of people not having nearly enough money for retirement. Obviously you have to have enough money saved to cover your income needs while you’re retired. Something a lot of people don’t think of is the fact that the lower your income needs are the less money you have to save for retirement.

Mich @ BeatingTheIndex writes Marquee Energy: Michichi Results Impress – Marquee is an undervalued junior producer that recently disclosed strong well results at Michichi. Discover a resource play with one of the best capital efficiencies in the WCSB.

Roshawn Watson @ Watson Inc writes The Art of Doing Less – Should you be getting more bang for your buck, time, or other resource? Here’s how you can have a lot more with less by visualizing your future, determining your core contribution, and investing in yourself.

Roshawn Watson @ Watson Inc writes The Art of Doing Less – Should you be getting more bang for your buck, time, or other resource? Here is how you can have a lot more with less by visualizing your future, determining your core contribution, and investing in yourself.

PITR @ Passive Income To Retire writes Buying Dividend Stocks/ETF’s – Have you considered buying dividend paying investments? Find out why I chose to do it and how it can benefit you.

Corey @ Steadfast Finances writes The US Middle Class is Losing the Labor Competition with the Middle Class of the World – Find out how the US middle class is failing in comparison to the rest of the world.

Eddie @ Finance Fox writes Don’t Let Fear Sucker You Into Payment Protection – Financial institutions love to use fear in order to sucker people into signing up for products or service that you really don’t need.

Corey @ 20s Finances writes Four Tips For College – Here are four tips to help navigate you through your college career and avoid college debt.

Ryan @ Early Retirement Investments writes An Introduction to Critical Illness Cover – Not familiar with Critical Illness Cover? Then read about this topic to find out!

Maria @ The Money Principle writes Four reasons for not automating our car and home insurance – Automating bills is a great time saver but it can also make us neglect information. Here are four reasons not to automate car and home insurance.

Don @ MoneySmartGuides writes The Rich Are Getting Richer – A recent study found that The Rich (the top 10 Percent incomes) increased their income by one-third from 1985 through 2010. The speed at which incomes increased for those earning more increased at a faster pace over the same time period.

Daniel @ Sweating the Big Stuff writes What’s The Difference Between an Authorized User and a Joint Account Holder? – After Lauren and I joined our finances, next up were the credit cards. Did we want to add her as an authorized user or as a joint account holder?

Jester @ The Ultimate Juggle writes How Many Vacation Are Too Many Vacations? – I’ve been vacationing too much this year, and it’s showing, ready my views on too much vacationing!

Daisy @ Add Vodka writes How To Stop Being a Pushover – I wrote a guest post for Cordelia Calls it Quits early this year about quitting being a pushover.

Luke @ Learn Bonds writes Interest Rates Have Moved Higher: What That Means for Bond Investors – A look at how a large move higher in interest rates has affected bond investors in some of the major segments of the bond market.

TRL @ The Retired Landlord writes Biggest Mistake in Real Estate Investing – Do you want to avoid the most common mistake in real estate investing? Find out what it is so you can stay clear.

Jennifer Lynn @ Broke-Ass Mommy writes The End of Summer Draws Near and a Financial Update – Take a look at my checkbook to see how I’m doing financially! Lurkers welcome!

Debt Guru @ Debt Free Blog writes How Living In Debt Can Put You Behind – Having a considerable amount of debt puts you at a huge disadvantage to achieving financial security. Find out why you should avoid debt.

Invest It Wisely @ Invest It Wisely writes 5 Ways to Keep Expenses Low as an Entrepreneur – Read these 5 ways to keep expenses low as an entrepreneur, see if you are skipping any savings!

Wayne @ Young Family Finance writes Credit Cards – How and WHY You should Use Them – Find out why you should use credit cards and why you could be hurting your finances if you are avoiding them to control spending.

Ray @ Squirrelers writes Traveling and Location Independence are Overrated – I enjoy traveling and have done my fair share of it, but is it as important as some folks want to believe? Likewise, is “location independence” really practical?

Jason @ Work Save Live writes Why Are Credit Cards Bad? – Are Credit Cards Bad? For years of my life I swallowed that large Dave Ramsey pill. I’m not going to lie, I learned how to budget, build up an emergency fund, started saving for retirement, and we began slowly working our way out of debt.

krantcents @ KrantCents writes Are Entrepreneurs Born or Made? – Are entrepreneurs born or made? There are so many college classes teaching entrepreneurship, I thought I would ask the question. See I grew up in an entrepreneur incubator! Both my parents had thriving businesses and did not have the benefit of any college classes in entrepreneurship.

PPlan @ Provident Plan writes Starting a Budget – Budgeting is an important financial tool to accomplish what you want. Start prioritizing your spending and save up for what you really want to do, like travel.

L Bee @ L Bee and the Money Tree writes GUEST POST-Invest in what you understand. – This is great investing advice, and one that even Warren Buffett follows! – Invest in what you understand.

Roger the Amateur Financier @ The Amateur Financier writes Some Tips on Tipping – A guide on how to tip in a way that will ensure good service and allow you to treat those who deserve tips pro

Shawanda @ You Have More Than You Think writes My Top 10 Most Favorite Frugal Things (An Update) – In early 2010, I shared My Top 10 Most Favorite Frugal Things. A lot has changed since then.

Rich @ Growing Money Smart writes Why Being Rich Is Not The Same As Being Upper Middle Class – Being rich or making more money than the average person doesn’t make you automatically “upper middle class”! See if you agree!

A Blinkin @ Funancials writes My Sincerest Apologies To Mark Zuckerberg – I’ve been kinda hard on Facebook recently and most of it has been unwarranted. Facebook has lost about half of it’s value since it’s IPO earlier this year, but who’s fault is that? The people that have been most affected by (and responsible for) this drop have no affiliation with the company.

SBB @ Simple Budget Blog writes Did Summer Keep You From Budgeting? – Find out how to balance enjoying yourself in the summer and sticking to your budget. I think you will find simplicity is key.

evan @ My Journey to Millions writes Refinance Roadblocks – Perfect credit, spotless payment record, and 12 years at the same job (proof of ability to pay,) and I never imagined it’d be so impossible to take advantage of the record low interest rates. But after 2 failed attempts to lower our rate on our mortgage I had to come up with a new plan.

Jason @ Live Real, Now writes Unlicensed Health “Insurance” – Really, the best way to judge if something is a scam is to go with your gut. Does it feel like a scam? Do you feel like you’re getting away with something? Does it sound too good to be true? To recap: health care/prescription discount plans = bad juju.

Beating Broke @ Beating Broke writes Motif Investing – If investing seems like a big confusing mess to you, you might want to check out Motif Investing. I like the idea, and having some knowledge behind the stock picking is always a good thing. I’m not sure that too many seasoned investors will be picking up the idea, simply because most of them know how to do their research, and usually have a set way they go about investing.

MR @ Money Reasons writes Social Freedom, I Am No Longer Bound By Social Norms – Social Freedom, I Am No Longer Bound By Social Norms! Find out how I now consider myself free form social norms, and why this is desirable!

John @ Married (with Debt) writes What’s Next? – Many of you have been asking what we will do with our money now that we are debt free minus the house. This is also something I’ve asked myself. In the short term, I plan on saving every penny to build up an emergency fund of three Thanks for reading the RSS version of What’s Next? which originally appeared at Married (with Debt) Please click through to comment if you enjoyed!

Suba @ Broke Professionals writes Would You Boycott Chick-Fil-A? – Chick-Fil-A CEO Dan Cathy pissed off the left when he came out against same-sex marriage, but will a boycott of his restaurant change change anything?

IMB @ Investing Money writes Keeping Investment Fees Low – Find out why investment fees matter and how to evaluate which passive fund is better.

SFB @ Simple Finance Blog writes Maternity Leave in America – “We made a mistake on your paperwork,” the woman from the HR department at my work said in the most inanely chipper voice. My baby girl was a mere seven weeks old, and I hadn’t gotten a decent night’s sleep in nearly two months, so her peppiness – just as much as her words –…

Tushar @ Finance TUBE writes What are Credit Unions?? – Not for the Profit Cooperative Credit Unions are not for the Profit Cooperative serving groups or members who have something in common such as employment in a company, membership in an association or residence in a particular Geographic area. More than 82 millions of US citizens are members of Credit Unions.

Robert @ My Multiple Incomes writes August 2012 Multiple Income Stream Report – Like I mentioned above, you can see that August was a much more normal month for me and my sites. What I like about this report the most is that it really highlights multiple income streams. Check out how my income breaks down as a percentage by category:

Robert @ The College Investor writes Is Being a Millionaire That Big of a Deal? – It used to be that being a millionaire was a huge deal – I mean, you were considered rich. But now, is having a million dollars that big of a deal?

Little House @ Little House in the Valley writes SMART Goals Across the Spectrum – I first read about the SMART goal setting process on a few other Yakezie personal finance blogs but I never really used this method for myself. Once I revised the goal spreadsheets for my e-book, I went ahead and tested it out helping me really focus on saving money

Mr. Money @ Smart on Money writes Why You Should Have Life Insurance Even If You Are Young and Healthy with No Dependents – The thing is, even if you’re young and healthy there may be quite a few good reasons for you to buy good term life insurance. It isn’t just for old people, you know!

Crystal @ Budgeting in the Fun Stuff writes I Do Not Feel Money Guilt – Stop whining if you refuse to do anything about your current situation. I do not feel guilty about having what I work to have. I do not feel money guilt.

Hank @ Money Q&A writes Are You Ready to Invest in a Rental Property? – Invest in a rental property can be an excellent investment, you need to make sure that you enter into it with both eyes open and a clear idea of what could go wrong.

Aloysa @ My Broken Coin writes Work. Life. Balance. Hell. – Currently, I am really juggling things! Read about my struggles to keep everything in the air!

Sustainable PF @ Sustainable Personal Finance writes How Telecommuting Can Save You Money (and Help the Environment) – Today’s technology makes telecommuting much easier than it was in yesteryear. Companies recognize work life balance and a growing need to remove cars from the road.

Ted Jenkin @ Your Smart Money Moves writes The Best Financial Move A Young Adult Can Make Get A J-O-B! – I just had a birthday last week which always gives you a chance to take stock on where you are and where you are going.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes HOW TO GET A BIG PAY RAISE WITHOUT USING THE BRIEFCASE TECHNIQUE – A unique way to get a big pay raise in any economy.

Amanda L Grossman @ Frugal Confessions writes Financially Limiting Your Partner – This is a difficult topic to cover. I’ve hesitated each time I have attempted to write this article over the last six months. Read why you may have to limit your partner!

Kanwal @ Simply Investing writes When It Comes to Investing, Should You Ignore the Media? – Should you ignore the media? By media I mean television, radio, magazines, newspapers and internet news, and financial analysts. When it comes to investing your hard earned money, the answer is “yes”! If you want to invest successfully you need to learn to ignore the media, there is just too much noise out there.

Ashley @ Money Talks Coaching writes 11 Things You Should Do With Your Money – Ever think What should I do with my money? No? Is it more like Where did all my money go? Either way here is a list of 11 things you should do with

CAPI @ Creating a Passive Income writes A Real-Life Story of Passive Income – Have you ever thought about how people are generating passive income? Is it all just a hoax or are there actually people sitting on the beach

Drew @ Objective Wealth writes ‘Emergency Fund Man’ To The Rescue! – A true life story on why having an emergency fund reveals much about the nature of personal finance, controlling your emotions and the need to practice what you preach.

MMD @ My Money Design writes Status Update – Being Fired Over Facebook Rants – Don’t sabotage your career and get fired over Facebook rants. Here are a few simple pieces of advice for keeping yourself in check with social media.

Miss T. @ Prairie Eco Thrifter writes A Perfect Alpine Getaway – If you’re looking to minimize your impact on the environment during your holiday, one possible option could be to consider spending some time in the idyllic Kitzbuhler Alps. Compare Niederau holidays to jetting off somewhere further afield and you might be pleasantly surprised at just how eco-friendly your entire stay could be.

Passive Income Earner @ The Passive Income Earner writes Dividend Income – August 2012 – Like regular clock work, August provided me with another string of dividends. Aside from dividend increases or switching to higher yield investments, the only way to increase your dividends is to invest more money. Over the past 4 months, I was adding to my Computershare and CanStock accounts but this month, I added to one of my REIT holding; Cominar REIT (CUF.UN).

Cash Flow Mantra @ Cash Flow Mantra writes Satisfaction from a DIY Toilet Repair – After replacing all the hardware associated with a toilet tank, making 3 trips to Lowe’s and spending $36, I managed to stop the leak. Once I had everything together, it only took me about 20 minutes to replace all the pieces and put it back together. But figuring it all out and deciding what I needed to do did take a little bit of time. Nevertheless, it is a satisfying feeling knowing that it would have cost a minimum of $75 just to have a plumber come and look at the leak.

Jen @ Master the Art of Saving writes Buying Our First House: Other Costs – The house is pretty much move-in ready, but we need to get a couple of pieces of drywall for the garage, get a new cellphone, plumb the kitchen for an ice……

Tushar @ Start Investing Money writes How to Buy Private Stock – Most people are aware that it’s possible to buy stock in various companies with the hope of it going up in value. However it’s not correct to say that all stock is the same. There are two types of stocks – public and private stocks. Public stocks are the ones most people are familiar with.

Paul Vachon @ The Frugal Toad writes Frugal Living Made Easy – Frugal living is all about making informed and deliberate choices in how to spend money. In other words, frugality allows me to get more value for my hard earned dollar and who wouldn’t want that?

JP @ My Family Finances writes How Does the Average Family Deal with Increasing Gas Prices – As gas prices shoot into the sky, families seek ways to deal with painful trips to the pump.

Sean @ One Smart Dollar writes the Automatic Millionaire Book Review – One of the most popular personal finance books is The Automatic Millionaire by David Bach. Here is my review on how this book can help you.

Jon the Saver @ Free Money Wisdom writes Top 10 Cheapest Activities to do with the Kids this Summer – Did you know that there are tons of cheap summer activities you can do with your family? With a little creativity, summer can be quite cheap!

PK @ Don’t Quit Your Day Job… writes Stop Buying Dividend Stocks! – There’s a real possibility that a lot of carefully laid dividend plans will come to an abrupt ending with the new year. Watch your portfolio, and read more about the dividend cliff.

Sicorra @ Tackling Our Debt writes My Adventures in Europe – Traveling between the UK and anywhere in Europe is quite cheap. You can either fly for next to nothing or take the train. Having discovered this I made a plan to…

Jessica @ Budget for Health writes Our Rainy Day Fund – Why have a rainy day fund? I’ll share my own reasons along with stories of friends who recently tapped into their fund.

J.P. @ Novel Investor writes How To Invest In Your 20s – Learning how to invest isn’t complicated. There are no hidden secrets to investing success. It’s just a common sense guide to good financial habits.

Dr. Dean @ The Millionaire Nurse writes Three Ways Exercising Can Make and Save You Money – Yes getting off your duff and getting all sweaty can save you money as well as your life. Here are three financial reasons to get started

J.P. @ Novel Investor writes How To Invest In Your 20s – Learning how to invest isn’t complicated. There are no hidden secrets to investing success. It’s just a common sense guide to good financial habits.

harry campbell @ Your Personal Finance Pro writes AMEX Twitter Sync Promotion: How I Turned $180 at Best Buy Into $200 in Amazon Gift Certificates – After two years of churning credit cards for sign-up bonuses, I’ve amassed quite a collection of cards. I’m almost embarrassed by how many I now have, but one great benefit of having so many cards is the ongoing promotions. With some companies you might save a couple dollars here, or get a discount there, but one company stands above the rest when it comes down to promotions for current card members: American Express.

Will @ http://hackingthebank.com writes Combining Finances Before Marriage – “You shouldn’t combine your finances before marriage.” That’s the traditional finance advice. But how good is that advice? With 60% of couples now cohabitating before marriage, and so many marriages ending due to financial issues, maybe a trial of combined finances makes sense.

Jeremy @ Modest Money writes On The Road Again – Managing Your Finances On Your Travels – Life on the road can wipe out your life savings in what seems like no time at all. However, there are a few ways to reduce your costs so that you can travel for longer on less money, making your return that little bit easier.

Emily @ Evolving Personal Finance writes August 2012 Month in Review: Money – Our spending was a bit looser in August, especially because we moved – but we managed to squeak by in the black!

Deacon @ Well Kept Wallet writes Sell Unused Items to Pay Off Debt – When you are trying to get out of debt selling items around the house can help out tremendously. There could be multiple items sitting in closets, cabinets or storage rooms that could be sold to help expedite paying off your debt. Here are some guidelines that I used when selling items to become debt-free.

Glen Craig @ Free From Broke writes Motif Investing Review – Looking for a new way to invest? How about investing in one particular subject area? Take a look at our Motif Investing review and see how you could be investing differently.

Jefferson @ See Debt Run writes The Cost of Pet Ownership – A glimpse into the world of pet ownership costs. Adding a furry friend to your family can be quite pricey, and if you are struggling, you might want to find a cheaper alternative.

Carnival of Retirement #35 – Labor Day Edition

Happy Labor day to all readers! Hope you are enjoying the weekend as much as we are doing. Right now we are in Florida gulf coast waiting for the sun set. This is the 5th time we are visiting Naples. The view is spectacular and a lot of visitors around. This is also for the first time that I am posting an article via mobile phone. Hope I can get it out cleanly.

Welcome to Carnival of Retirement. Enjoy the amazing reads below and don’t forget to comment and link back to the carnival.

Roger Wohlner @ The Chicago Financial Planner writes Financial Planning Really Does Make a Difference – According to a joint survey by the Consumer Federation of American and the CFP Board, households with a financial plan in place felt a higher level of financial well-being than those without a plan.

Todd Tresidder @ Financial Mentor writes 80 New Financial Calculators – Wow! – These new calculators simplify every aspect of financial planning into plug and play simplicity. All you have to do is familiarize yourself with this new free resource so you can find the right tool for your needs.

harry campbell @ Your Personal Finance Pro writes How to Take Advantage of Credit Card Sign Up Bonuses – I got my first credit card when I was in college and I used it for most of my entertainment(see alcohol) and dining out purchases. Since then I’ve applied and been accepted for over 10 credit cards with sign up bonuses and gotten thousands in gift cards, travel rewards and cash(wow that sounds like a scam! But it’s true). So here’s how I do it.

Ashley @ Money Talks Coaching writes Trying to Get My Daughter to Save – I’ve mentioned several times that my daughter really doesn’t get money. She doesn’t care to earn it. She doesn’t care to keep it.

Corey @ Steadfast Finances writes Unusual Investment Ideas – Looking for nontraditional investment ideas? Look no further. While these may not be as safe, they could provide you with positive returns.

PPlan @ Provident Plan writes What’s the Most Effective Way to Give? – The most effective way to give is one that provides sustainability and the most bang for your buck. Find out what else gives a gift the biggest impact.

Ryan @ Early Retirement Investments writes Some Signs that You Need to Convert to Heat Pumps – Confused on whether you should have a heat pump or not? Read more to see if it makes sense for you!

IMB @ Investing Money writes How to Get Started Investing Money – Find out how you can get started investing money. It’s never too early to start.

Jennifer Lynn @ Broke-Ass Mommy writes The Best Piece of Writing Advice, Ever. – This is the best information on writing advice that I know of, read more to see if you agree.

MR @ Money Reasons writes My Personal Finance Pyramid Update – I use a Personal Finance Pyramid to provide feedback as I strive to acquire wealth in life for me, my family and my kids!

Maria @ The Money Principle writes The Rise in Health Negligence Payouts – Policies has effects and in this article the increase in health negligence payouts is discussed.

krantcents @ KrantCents writes Home Gym on a Budget – Would you like a home gym? All the movie stars have a home gym and you can too! Do you have to be a movie star to have one? No, not really! In fact, you can put one together for very little money.

Passive Income Earner @ The Passive Income Earner writes Kids and Money: The Bank Card Introduction – Introducing the bank card to children. It’s a delightful experience.

Jon the Saver @ Free Money Wisdom writes Why Do We Worry About Money? – Worrying about money is not helpful in life. It’s better to plan and not worry so much about it. Money does not need to consume your thoughts.

Amanda L Grossman @ Frugal Confessions writes Simple Childhood Pleasures – Aside from going to Ocean City MD each summer, I have realized that most of the fun I had in my childhood was simple and cheap.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes CAN YOU RELY ON THE 4% RULE IN RETIREMENT? – Are you properly preparing for retirement? Read about retirement issues to consider.

Roger the Amateur Financier @ The Amateur Financier writes The Success of Others and My Motivation – A discussion of how the success of other people influences me, and how such success (and the converse failure) can influence everyone.

Don @ MoneySmartGuides writes Can People Not Save for Retirment? – Teresa Ghilarducci is back again. I previously wrote about her wanting Guaranteed Return Accounts (GRA) for Americans back in July of 2010. She is still advocating these accounts, now with updated numbers to make her point.

SBB @ Simple Budget Blog writes Simple Ways to Cut Monthly Expenses – Do you need a little extra cash? We offer simple ways for you to save money without it being a huge inconvenience.

Hank @ Money Q&A writes Don’t Be Fooled Into These Life Insurance Policies – Here are five of my favorite insurance life policies that I love to hate. You don’t need these five life insurance policies. Don’t waste your money on them.

Jason @ Work Save Live writes Popular Jobs in Tax Friendly Countries – With all the debate around Mitt Romney’s possible assets overseas, it makes you wonder more about the places like Gibraltar, Andorra, the Cayman Islands and more. These places are known as tax shelters, and as such, they usually have a lot of bankers and financial institutions in place.

Evan @ My Journey to Millions writes Refinance Roadblocks – What do you do when the universe appears to be against all attempts to complete a goal? Perfect credit, spotless payment record, and 12 years at the same job (proof of ability to pay,) and I never imagined it’d be so impossible to take advantage of the record low interest rates. But after 2 failed attempts to lower our rate on our mortgage I had to come up with a new plan.

SFB @ Simple Finance Blog writes Minimalism At Home: Do I Really Need Six Sets of Sheets? – I hate laundry day; or, rather, when you have two children under the age of four and a husband who changes clothes more often than a budding fashionista, it’s more like laundry days. Despite that, I still follow my mother’s old adage that you should wash your bath towels weekly and your bed sheets every…

JP @ My Family Finances writes Reasons Why Families Need to Get Life Insurance: Take It From a Guy Not Trying to Sell You a Policy – There are plenty of convincing reasons for buying life insurance; I need not frighten you.

Daisy @ Add Vodka writes An Unsent Letter to People Who Are Selling Things – Dear whomever this may concern: While I appreciate your drive to make money so that you can buy winter booties for your dog and another cardigan sweater from BCBG instead of paying down your debt, please stop sending me sly. Read more of my unsent letter!

Eddie @ Finance Fox writes Maybe Home Ownership Isn’t For You – There is more to life than home ownership, and it isn’t the only way. If you ENJOY owning a home, more power to you. But not everyone does.

YFS @ Your Finances Simplified writes 5 Ways Marriage Can Make You Richer – The cake has been cut, the champagne cork has been popped, and confetti has been strewn all over the place.

Sean @ One Smart Dollar writes The Frugal and Famous: 10 Celebrity Penny Pinchers – http://www.onesmartdollar.com/the-frugal-and-famous-10-celebrity-penny-pinchers/

Sustainable PF @ Sustainable Personal Finance writes Which is the Greener Option – Shopping Online or Shopping at a Store? – Shopping online has become the method of choice for many people but I’m still not convinced it’s for me.

Luke @ Learn Bonds writes How to Choose a High Yield Bond Fund – Interested in choosing a high yield bond fund but not sure where to start? Here is a 6 step guide walking you through the entire process.

PITR @ Passive Income To Retire writes Hidden Risks of a Mortgage Fine Print – Find out how to avoid the most common mortgage mistakes.

Daniel @ Sweating the Big Stuff writes Five Wedding Gifts You Shouldn’t Buy For A Friend – Some gifts are appropriate for specific audiences. Others will almost definitely be returned. Here are five gifts that you shouldn’t get for friends.

Investor Junkie @ Investor Junkie writes Four Top Investment Mistakes You are Making Today – Investing is a task unlike any other. Rarely is there an opportunity to outperform just by avoiding the big mistakes. The truth is, though, that the best investors aren’t those that hit home runs. The best investors simply avoid big mistakes.

Jeff Rose @ Good Financial Cents writes What Is a Family Trust and Should You Set One Up? – The concept of a family trust—also known as a revocable living trust—isn’t very well understood by many people. The differences between a trust and a simple will, for instance, are frequently confused. While it’s somewhat more time consuming—and therefore, more expensive—to have a family trust prepared than a will, there are significant benefits of the trust for many individuals.

Debt Guru @ Debt Free Blog writes Get debt Under Control and Start to Enjoy Life – Find out how to pay off your debt and enjoy life as you prepare for retirement.

Suba @ Broke Professionals writes 5 Easy Ways to Irritate Your Boomer Boss – 5 Easy Ways to Irritate Your Boomer Boss is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed.

TRL @ The Retired Landlord writes Real Estate Investing is Easier with Positive Cash Flow – If you are looking to invest in real estate, as I am looking to do, I have learned that a positive monthly cash flow is important to have. As I have already discussed, real estate investing has risks. There is a chance of having to pay the mortgage between tenants or losing money with major maintenance issues.

Wayne @ Young Family Finance writes How to Raise a Child on a Budget: Identifying the Necessities – Find out how you can raise a child on a budget. Spending less on your children doesn’t mean sacrificing the love given to them.

Marie @ Family Money Values writes Luxury Living – at Sea – Do you ever wonder ‘how the other half lives’ (as Mom used to say)? Here’s a glimpse into how 165 families spent part of their wealth – to buy a mansion on a ship that sails continuously around the world

J.P. @ Novel Investor writes Options For Your 401k Rollover – When you leave your job, do you really want to leave your retirement savings behind? There are several 401k rollover options available so you can take your retirement savings with you and have better control of that money.

Shawanda @ You Have More Than You Think writes Secret Tricks to Grabbing the Best Travel Deals – Making the most of your travel dollars will give you peace of mind and set the stage for a relaxing vacation.

A Blinkin @ Funancials writes How To Lose Money and Hate The Stock Market – Do the exact opposite of what you find in this article and you will be on your way to riches. Find out how to lose money and hate the stock market. Don’t meet with your adviser regularly. Check your brokerage account or stock daily. Watch the news. Take stock-picking advice from a friend. Buy high, sell low.

Jeremy @ Modest Money writes Compare The Best Credit Card Offers – Personally I pay off my balance in full each month and earn cash back on all my card purchases. Plus by using my credit card I am entitled to extra buyer protection. Hey, works for me. It does not work for everyone though. For people who can control their spending, I present a comparison of the best credit card offers.

Crystal @ Budgeting in the Fun Stuff writes My Take on Life Insurance – Today, I am participating in the huge Life Insurance Movement in the blogging world that was started by Good Financial Cents. Here is my life insurance take.

John @ Married (with Debt) writes The Savings to be Made from Paying Off Your Mortgage Early – The savings to be made from paying off your mortgage early For most Canadians, the biggest debt they will ever have is a home mortgage.

Aloysa @ My Broken Coin writes My Not Quite Traditional Marriage – When we met over seven years ago, both of us were poor. I was a full-time student, working full-time, my spending problems were in full gear, debt piling up.

Kanwal @ Simply Investing writes 9 Important Reasons Why Dividends Matter – I came across a great article at Dividend Growth Stocks that I would like to share with you: “It seems that every financial adviser or financial publication is proclaiming that you should own dividend stocks. Each are proclaiming the virtues of dividend stocks from their own perspective. To that I have two questions: 1. What took you so long? 2.

Ted Jenkin @ Your Smart Money Moves writes When Should You Replace Your Old Car For A New One? – When it comes to making smart money moves, our family has never been a big fan of buying a new car.

Peter @ Bible Money Matters writes When Is the Best Time to Refinance Your Mortgage? – ave you refinanced your mortgage in the past year or so? If you haven’t refinanced yet, are you thinking about doing it? If so, you may want to get started now, and here’s why…

Kevin @ Thousandaire writes 4 Reasons We May be Headed for a Recession – Read these four reasons that we might be heading for a recession, see if you relate!

Corey @ 20s Finances writes Do You Remember Your First Time? – Getting approved for a credit card without having any previous credit history can be a challenge. Find out what you can do to get approved.

Steven @ Grocery Alerts writes How you can fly first class to Hawaii for under $350! – For approx. $328 you can obtain 30,000 Saga Club miles which will get you a FIRST CLASS roundtrip ticket on Alaska Airlines to anywhere they fly in the U.S. (Alaska and Hawaii included) Canada and Mexico.

Jester @ The Ultimate Juggle writes Family Spending Choices Versus Family Wants – Struggling to balance the best mix of family spending and saving for the future.

Invest It Wisely @ Invest It Wisely writes Are You an Introvert? Here’s How to Make the Most of Your Conference Experience – If you are introverted, read how to make the best of conferences!

Jen @ Master the Art of Saving writes My Plan to Save a LOT of Money – We’re planning to close on our house the first or second week of September, so we don’t have much time to save a lot of money. My goal is to take advantage…..

John Border @ The money blog writes Save for retirement vs debt reduction – It is important to decide which way you want to go. Most people cannot decide which is better, investing for retirement or to pay off your mortgage.

Beating Broke @ Beating Broke writes Motif Investing – If investing seems like a big confusing mess to you, you might want to check out Motif Investing. I like the idea, and having some knowledge behind the stock picking is always a good thing.

Lazy Man @ Lazy Man and Money writes Ask the Readers: Do You Have a Will or Trust? Why? – So I’m firmly of the opinion that I need to get a trust. I’ve been asking some friends and person finance writers what they have and you know how many have a trust? One. That’s of a dozen or so people. They didn’t even get it to avoid probate, but to make sure a family member with special needs was taken care of. Almost all of the people I talked to just assumed that a will was the way to go or haven’t done any estate planning yet. And most of them have kids. Yikes!

Little House @ Little House in the Valley writes Cost of Living and Reevaluating Where I Live – If I compare Los Angeles and San Francisco (most populated Southern and Northern California cities) to a few other major metros, there’s no denying it makes sense to move out of California: (note – salary = median family income)

Steve @ The Loonie Bin writes Investing In Nothing: A Look At Investing And Social Media – I always invest in what I know and since I’m a user of social media, I know it’s something I would never invest in. The great .com bubble was enough to set me straight when it comes to investing in bits and bytes, and I had nothing invested in it. It just goes to show that as long as they build bridges, there will always be someone around that’s willing to buy one.

Robert @ My Multiple Incomes writes 5 Different Passive Income Ideas – In most cases, passive income refers to making money in a way that does not require your ongoing, direct involvement. It refers to a business that takes time to set up, but, after a while, requires very little, if any, work to continue making money. The internet offers you several ways to do this from home, or really anywhere!

Grand Per Month @ Grand Per Month writes Make a Grand Per Month to Pad Your Retirement – Many people can’t handle the day-to-day career grind anymore when they reach their 60s. They may not like the stress or the full days, but they would still like to work. The difference is that they would like to set their own hours, take time off when it is convenient, and decide what projects to accept and which to decline. The flexibility of being self-employed and making a grand or more per month lets them stay busy and productive while still giving them time to travel and enjoy retire

Penny Thots @ Penny Thots writes Can You Retire with One Million Dollars or Less? – How on earth can anyone live on just $20,000 per year? Well, a lot of folks do it every day and so can you. Your success, however, depends on the steps you take now to secure a future that requires little cash. To retire comfortably with little income:

Everything Finance @ Everything Finance Blog writes Retirement Planning: What Being Vested Means – Deciding when to leave a job is never easy, but if you are close to being vested, it may be worthwhile to stick it out. When you are hired, make sure to find out how much your employer contributes to your retirement on your behalf, how many years are required to be vested and if the company offers partial vesting.

Don’t forget to submit your post to Carnival of Retirement, you can submit by clicking here. Have a nice rest of your weekend.

The Carnival of Financial Camaraderie #46

Parents of school going kids must be very busy this weekend. Hope all your shopping is over and you scored good deals. Lets now head back to some of the great finance articles that may sharpen your personal finance management skills. Enjoy the carnival and have a nice weekend.

BUDGETING
Lina @ Baby Alerts writes 7 Easy Ways for Moms to Save Money – With the tough economic time we have been facing, the role of mother has gotten even tougher. There is less money to go around, and if anyone has ever risen a child, then you know how expensive it is. Indeed, it is a tough world out there for most mothers, and when it comes to the expenses of raising a child there are a number of ways to save money.

Steven @ Canadian Personal Finance writes What is an Olympic Medal worth to an athlete? – Did you know that some countries award their athletes for their performance at the London Olympics? I wanted to share a roundup of some countries and their financial incentives for their athletes.

Miss T. @ Prairie Eco Thrifter writes Setting Financial Goals: Make Them Smart and Simple – Without a plan in place, you could find it harder to get the things you want; it could even mean scrimping in your older years. And who wants that to look forward to?

Little House @ Little House in the Valley writes New Motivation for a House: I Want a Dog – I haven’t lost focus of what I want: a house. Now I seem to have even more motivation to reach that goal sooner than later; I want a dog!

Steven @ Grocery Alerts writes Family of 5 with a $200-300/month grocery budget. How can it be done? – Here is how we managed having a grocery budget of $300/month or less each month for a family of 5. I wanted to share 10 ways how we did this and sharing how you can to!

BUSINESS
Passive Income Earner @ The Passive Income Earner writes How To Turn Your iPhone Into A Virtual Trading Desk – How To Turn Your iPhone Into A Virtual Trading Desk

PITR @ Passive Income To Retire writes One Step Closer to Real Estate Investing – I have always wanted to get started in the real estate business. Okay – when I say always, I really mean for years. I have long understood it as a great long-term investment. Unfortunately for me, I live in an area where it is very difficult to make a profit anytime soon.

Aloysa @ My Broken Coin writes How Some Mormons Run Small Businesses in Utah – Story One My friend wants to quit her job. She barely started it a few weeks ago, and she already cannot stand it. It is not the job per se that drives her to the edge of insanity. It is the people. Or I should rather say, it is the business style of the company.

Young @ Young And Thrifty writes Money As a Means of Keeping Score – What is the value of money after a billion dollars? What motivates you after you have enough money?

CAREER & EDUCATION
Justin @ The Family Finances writes Our College Savings Plan – Those of us with children (or ever plan on having children) face a pretty significant financial burden in sending our children off to college. Here is our plan…

Jason @ Work Save Live writes How We Create an Irregular Income Budget – Managing an irregular income is certainly difficult, but hopefully my guide on how my wife and I handle the situation will help you how to develop and excellent irregular income budget.

Jeremy @ Modest Money writes Considering Switching Careers – People are now changing jobs more than ever. In addition to just shifts to different employers, people are also entirely switching careers more than in the past. So how does a person decide to switch careers?

Teacher Man @ My University Money writes Student Loans – Jackpot! (Kind Of) Part 1 of 3 – Part 1 of our student loan series. What are student loans and how do you know if you are qualified to get them? We’ll show you how.

FINANCIAL ADVICE
SB @ Finance Product Reviews writes Zecco Trading Review – This is an honest review of Zecco Online brokers. Zecco is not free anymore but they have a very good trading platform which is easily lowest in the business of discount brokers. Read this review for more

Dr. Dean @ The Millionaire Nurse Blog writes Your Financial Future: Is It Gold Medal Or Toilet Worthy? – Have you let the doomsayers effect your financial planning and efforts towards a better future and retirement? Here are ways to avoid falling into that trap.

TTMK @ Tie the Money Knot writes The Pillars of Personal Finance – Personal finance doesn’t have to be a mystery. Organizing it into a framework helps, and this post shares a view of it based on 4 pillars.

Jon the Saver @ Free Money Wisdom writes 6 Ways To Conquer Materialism – Here are six ways you can practically start conquering materialism. It’s not a disease you want to keep in your life, destroy it now!

Beating Broke @ Beating Broke writes Are You a Financial Olympian? – Like an Olympic athlete, a Financial Olympian must be dedicated to the performing at their peak ability. Neither takes a day off. Neither takes it easy. Each pushes themselves to be the best at their event as they possibly can be. It’s their dedication that gets them up in the morning to train, and it’s the Financial Olympian’s dedication that gets them to the table to do their budget, pay their bills, and to manage their money as best as they can.

Deacon Hayes @ Well Kept Wallet writes Top 10 Best Money Quotes – Quotes about money often make me smile, more often because of the wisdom they provide. Here is a list of the ten best quotes about money I have ever heard.

Peter @ Bible Money Matters writes Attributes of an Olympic Athlete That Can Help You in Your Financial Life – Some of the things Olympic athletes are able to do are mind boggling to many of us, but as those athletes would most likely tell you, they didn’t learn to do those things overnight. They’ve had to work extremely hard over a period of many years to get where they are, and they’ve had to make sacrifices in order to be the best. There is a definite cost to become an Olympic champion. So what are some attributes of an Olympic athlete that you can emulate in your financial life in order to

FRUGALITY
Jennifer Lynn @ Broke-Ass Mommy writes Weathering Our Weekend Expenses – It’s Blustery! – Have a inside look at my finances, as I reveal what I made and some of my thoughts.

Edward Antrobus @ Edward Antrobus writes 5 Ways to Save Money on Lawn Care – Lawn care doesn’t have to cost a fortune. Here are 5 frugal hacks for saving money on lawn care. Do you use a reel mower?

INVESTING
Ryan @ Early Retirement Investments writes DIY or Pay For Help? – It’s a fine line between DIY or paying someone to help. Read how I decided.

Jen @ Master the Art of Saving writes Buying Our First House-Price & Other Costs – It’s time to dish about the financial side of buying our first house: asking price, offered price earnest money, home inspection, appraisal, flood plain survey.

John @ Married (with Debt) writes Five Tips for Landscaping on a Budget – You want to create a beautiful lawn and garden, but how can you maintain your landscaping on a budget? Designing and growing the perfect lawn takes patience, hard work and thrift.

TRL @ The Retired Landlord writes Do I need Landlord Insurance? – Do you need landlord insurance? Find out if it is necessary and what it covers that traditional home insurance wouldn’t cover.

Sustainable PF @ Sustainable Personal Finance writes Do It Yourself Green Projects – There are ton of do-it-yourself projects that you can do around your house to improve your energy efficiency, and help the environment.

Kanwal @ Simply Investing writes Everything You Always Wanted To Know About Simply Investing But Were Afraid To Ask (13 Top Questions!) – 1. What exactly is the Simply Investing course? The Simply Investing course is an online video course created by me, to teach you how to invest successfully. I teach the principles of value investing with a focus on dividends. The same techniques used by successful investors like Warren Buffett, Benjamin Graham, David Dodd, and John Templeton.

Hank @ Money Q&A writes Where Should A New Investor Put $1,000 To Work In The Market? – I asked 12 of the best personal finance bloggers and money experts, where should a brand new investor put $1,000 to work in the market?

Corey @ 20s Finances writes Five More Ways to Make Extra Money – Corey wrote about five great ways anyone can make extra money. I wanted to share five more ideas that I have used or friends of mine have used to make some extra cash. Each one of us used the extra money for different things: I used it to help me pay down my debt faster, while one of my friends used the money to max out his Roth IRA contributions each year.

Jester @ The Ultimate Juggle writes How I Spend Money #1 – Lunch At Panera With The Family – The first in the series How I spend money. This is about how I spent my time and money with my family at Panera.

L Bee @ L Bee and the Money Tree writes Month End Wrap-Up for the NO SPEND CHALLENGE! – Monday July 16th- 95.09 on Groceries, 10.39 on a book for my kindle. Tuesday July 17th-97.14 on various errands around town-CVS, picking up dry cleaning and dresses I had altered (a whopping 40 dollars. Highway Robbery!!), and then money for a movie and snacks because I needed to get out of the house.

YFS @ Your Finances Simplified writes I Almost Got Cheated Out of 650 Bucks – Updated – I received a phone call from my attorney today concerning the $650 dollars the prior owner of property 3 owed me.

Cash Flow Mantra @ Cash Flow Mantra writes Gotta Love Dividend Stocks – Seagate Technology (STX) is one of the stocks that I am holding in my retirement account. I purchased it as part of my focus on dividends since it had a 4% yield at the time. The stock increased in price and I ended up selling it in late June for a 23% annualized profit. But I immediately repurchased it again and instituted my hedging strategy since I still fell like the stock had some decent potential for further gains.

My Own Advisor @ My Own Advisor writes How many dividend stocks are enough? – This question ranks right up there with other tortured financial questions. What is better..contribute to the RRSP or TFSA first? What is better…focus on debt-reduction or asset accumulation? Read my post and I’ll give you my answer!

J.P. @ Novel Investor writes What Is A Stop Order? – When used properly, a stop order can help automate trades, enforce investment disciple and most importantly act as insurance.

Investor Junkie @ Investor Junkie writes Five Ways to Make $25 or More – Everyone likes to make money investing right? Pick one of the one of the five investment options below and get cold hard cash. It’s like an instant return of your money. Unfortunately offers listed require to deposit some money into their accounts. As the saying goes, “it takes money to make money”, and these offers apply.

SAVING
Jeff Rose @ Good Financial Cents writes Top Savings Accounts Online – Looking for a top savings account to stash away some cash for a future financial goal should be part of your financial strategy.

Jacob @ I Heart Budgets writes How To Save Money: Billing Mistakes (Part 3) – Do you find that your money is disapperaing too fast. You might be over-paying your bills. Check out how to save money by catching and correcting billing mistakes. Part 3 covers hotel charges and project materials invoices.

OTHER

Wayne @ Young Family Finance writes Cheap Entertainment Options: Zero Cost Fun – If this bad economy has ruined all of your fun, it might be time to consider cheap entertainment options.

Roger the Amateur Financier @ The Amateur Financier writes Some Advice On Studying – An article that focuses on some of the ways to increase your studying abilities and do better with your information retention.

Tushar @ Start Investing Money writes Are You a Knowledgeable Investor? – How much do you know about investing? Many people stick with what they know, rather than trying to expand their knowledge in any way. For instance they might stick with plain savings accounts instead of looking into the potential returns offered by investments in the stock market.

Suba @ Broke Professionals writes How to Affect Change – Part Two – Vital Behaviors to Change – How to Affect Change – Part Two – Vital Behaviors to Change is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. Do you ever look around and think to yourself, wow that is really messed up.

Eddie @ Finance Fox writes Sometimes You Just Can’t Win, Even When Merchants Offer a Cash Discount! – Downside of paying with credit-cards for obvious reasons and double dipping that the banks and credit-card companies embrace, why don’t more retailers offer cash discounts?

Kevin @ Thousandaire writes Wouldn’t a 5% CD Be Great? – The other day I was lamenting the fact that I can’t get any better than a 1.1

MR @ Money Reasons writes Paying Off Your Mortgage Is Like Having A Second Job Income Without Working – Once you pay off your mortgage,you are an instant saver of the amount you use to spend on the mortgage. It’s similar to a second job but without working!

Daniel @ Sweating the Big Stuff writes The Chevy Volt Is Not For Apartment Dwellers – I got to test drive a Chevy Volt for 2 days. It was really cool to have for free, but I don’t recommend it for everyone.

Shawanda @ You Have More Than You Think writes The Anti-Social Guide to Selling Your Stuff – Sometimes you just wanna sell your things with no hassle, no haggle, and little to no human interaction.

A Blinkin @ Funancials writes How Should Couples Merge Their Accounts? – Money is a touchy subject. A lot of people prefer not to talk about it. Why? Because most people don’t have as much of it as they lead on. If they are open about their finances then they will incidentally reveal their mistakes.

Kyle @ The Penny Hoarder writes Got a Smartphone? Download this App & Get a $5 Amazon Gift Card – Available again for August! Mobile Xpressions has relaunched their incentive program and if you download their App, they will send you at LEAST a FREE $5 Amazon gift card. You could get more! Here’s how to do it… 1.

Crystal @ Budgeting in the Fun Stuff writes Honey, How Can It Hurt Just To Take a Look? – Now is the time to look into buying a new house if it is something you are thinking about doing anytime in the next 5 years. The prices are low. Take a look.

Daisy @ Add Vodka writes Saving on Road Trips – This past weekend, I went to visit my mom four hours away from where I live.

Ted Jenkin @ Your Smart Money Moves writes Can Tom Cruise Teach Us About Divorce? – We all know divorce can be a costly process no matter where you are financially in your life.

Maria @ The Money Principle writes Self employed? Get professional indemnity insurance – Self employed people should take out professional indemnity insurance for peace of mind

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes DOES SUCCESS OF OTHERS MOTIVATE OR DEPRESS YOU? – I’m a bit obsessed with goal setting! I believe that if I set a goal, write it down, set a completion date, then it will come true. More times than not, it works out, but not always.

Corey @ Steadfast Finances writes The Law of Diminishing Returns and Why it Doesn’t Pay to Obsess – Find out how the law of diminishing returns applies to productivity and why you shouldn’t obsess over one task too much.

Invest It Wisely @ Invest It Wisely writes What Did the London Games Teach You About Life? – LONDON, ENGLAND – JULY 20: Street artist James Cochran, Aka Jimmy C puts the finishing touches to a piece of work depicting the face of Jamaican sprinter Usain

Corey @ Steadfast Finances writes The History of the Credit Card – Although it may seem almost impossible to live without one today, the credit card is actually a relatively new creation. Just 70 short years ago there was no such thing and all transactions were done using cold, hard cash. Find out more about the history of the credit card.

Don @ MoneySmartGuides writes Are Hybrid Cars Worth The Price? – With gas prices flirting with $4 per gallon, the media will do its best to make you think gas prices are going nowhere but up.

Ashley @ Money Talks Coaching writes Poor People Don’t Retire – A few years ago I had a lightbulb moment when I realized something about aging.

MMD @ My Money Design writes Why Do Poor People Have Two or More Flat Screen TV’s? – Poor people in the U.S. own just as many flat screen TV’s as the middle and wealthy classes. This begs the question of whether social inequality is really as bad as it seems.

Amanda L Grossman @ Frugal Confessions writes Performing Budget Triage – If you are just beginning to budget you will quickly face something that the rest of budgeters have long been acquainted with: the unexpected monthly expenses

Bridget @ Money After Graduation writes The 80/20 rule from another angle – I read most of the The 4-Hour Workweek. It was ok. Some chapters are really good but I found some of the author’s reasoning pretty whacky. But what do I know? He’s a millionaire and I’m not, so maybe I really should outsource my laundry to a virtual assistant in India.

krantcents @ KrantCents writes I Am Getting Younger – I am getting younger! My hair is still gray and chronologically I am still sixty-five (65) years old, but I feel much younger.

PPlaner @ Provident Plan writes Family Finance Advice – Experienced drivers know that if they want their vehicles to run properly for years to come, regular maintenance is essential.

Debt Guru @ Debt Free Blog writes Three Basic Rules of Paying Off Debt – Follow these three basic rules to help yourself get out of debt and live a better life.

Luke @ Learn Bonds writes Dear Financial Media: You Completely Missed Bill Gross’s Point – Bill Gross recently predicted that a mixed portfolio of stocks and bonds would provide a real return (after inflation) approaching zero.

JP @ My Family Finances writes Why Stores May Be Charging You a Fee to Use Your Credit Card and What It Could Mean for Your Family – Why stores are charging credit card fees and what it means for you and your families finances.

Earth and Money @ Earth and Money writes How to Deal with a Bad Landlord – A bad landlord can turn a great living experience into a nightmare. Here are some strategies for dealing with bad landlords to save yourself some stress.

Carnival of Money Pros – The Summer Olympic Edition

I’m very excited to host the Carnival of Money Pros this week!  Here are some of the posts that made though. Hope you’ll have some time in between your busy Olympic schedule. Enjoy the posts and leave your opinion in comments.

vh @ Funny about Money writes Ridiculous Retirement System: With a Vengeance – There’s a fundamental problem with our present 401(k)-style retirement “system”: most Americans have about a snowball’s chance of saving enough to support them through old age.

Lance @ Money Life & More writes It Pays to Ask For More – Coke Zero Commercial “And…?” – I can’t count the number of times I’ve gotten something more simply because I asked for more. Don’t get me wrong, I don’t just say “and…” with no reason to back it up and have someone give me free money. You always need a reason and shouldn’t just expect a hand out.

Squeezer @ Personal Finance Success writes How to strech your dollars when you are unemployed – With the Bureau of Labor Statistics pinning unemployment at 8.2%, many individuals are out of work and looking for a new job. To combat this, one should trim his or her budget to extend any savings as long as possible.

Emily @ Evolving Personal Finance writes Found Money Creates Wants – My husband and I received a large cash this month, but without a plan in place for found money, it’s created some anxiety and marital strife!

Ryan @ Early Retirement Investments writes How Much Risk is Involved in Spread Betting? – Really! How much risk is involved in spread betting! Read more to find out…

Corey @ 20s Finances writes Why Investment Fees Matter – Corey previously wrote about how time is your new best friend. This is all because of compound interest. The more time you have to let your investments grow, the more your money can compound upon itself and grow faster. It almost sounds too good to be true, and unfortunately it is when you look at it in terms of investment fees.

Amanda L Grossman @ Frugal Confessions writes Frugal Cures for Cubicle Fever – I am reading a fantastic book right now that has caused bursts of belly laughter to escape from my mouth at random moments throughout the day.

Jennifer Lynn @ Broke-Ass Mommy writes Boo To Those Sneaky Bank Fees – Sneaky bank fees suck, read my recent bad experience with them and why I think they are wrong!

Crystal @ Budgeting in the Fun Stuff writes Student Loan Advice – Check out my student loan advice, see if I can help you.

Daniel @ Sweating the Big Stuff writes Top Five Stress-Free Vacation Tips – Imagine having a stress free vacation: nothing too expensive, no crowds, and no worrying about how things are going back at work. Here’s how to do it.

YFS @ Your Finances Simplified writes A Few Reasons Why Asset Allocation is Important – When it comes to investing, many people recommend that you diversify your accounts. The idea is to not put all your eggs in one basket.

Passive Income Earner @ The Passive Income Earner writes Why Hold High Yield Stocks – High yield investments can play a part in your portfolio. Even though I am a fan of the 10/10 rule of investing which focuses on the growth of a dividend stock,a high yield dividend stock (or income trust) can have a part in a portfolio. In fact, I have high yield investments in my portfolio.

PPlaner @ Provident Plan writes Signs of Dysfunctional Finances – Find out if your finances are dysfunctional. Do you find carry a credit card balance or live paycheck to paycheck? If so, it might be time for a change.

Jon the Saver @ Free Money Wisdom writes 13 Part-time Jobs With Benefits – Do you want some good news on the employment front? Here it is: you can get employee benefits on many part-time jobs.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes ARE YOU CUT OUT TO BUY A FIXER UPPER? – The lure of real estate investing is great. This article outlines what it takes to buy, renovate, and resell real estate. Find out if this potentially lucrative endeavor is for you.

Wayne @ Young Family Finance writes The Cost of Being Sick – Being sicks can put a huge strain on your normal life. It can not only cost you a lot of money, but cause social disruptions.

Ted Jenkin @ Your Smart Money Moves writes Three Ways Credit Card Companies Can Trick You – When the Dodd-Frank Wall Street Reform and Consumer Protection Act was put into place, credit card holders were supposed to benefit from the new

Kevin @ Thousandaire writes Social Security Taxes the Poor to Benefit Rich White People – The people who live the longest (rich white people) benefit most from Social Security. We need to stop taxing poor people to give money to rich people.

Ashley @ Money Talks Coaching writes Childhood Money Memories – I went to a financial seminar this past weekend and one of the exercises was to think as far back as you could and tell a 2 minute story about a money memory

Daisy @ Add Vodka writes Why Babysitting is an Awesome Side Hustle – I babysit as a side hustle. I watch two kids that live fairly close to where I work. It works out perfectly, because I get off at 4:00 and I start babysitting at 4:30 a couple of days a week.

Corey @ Steadfast Finances writes Investing in Real Estate Basics – I am an aspiring real estate investor. I don’t have direct experience investing in real estate, but several of my closest friends and family members own at least one rental property. I don’t just want to follow the crowd, because most people don’t think highly of investing in real estate.

Brianna Baiocco @ http://www.termlife-insurance.com/blog writes Life Insurance with Long Term Care Benefit Riders – Long Term Care Benefit Riders and life insurance. All wraped into one.

Roger the Amateur Financier @ The Amateur Financier writes Job Hunting Success – Retooling Your Job Hunt – Some advice on how you reshape your job hunt if you aren’t successful, and increase your chances of standing out from the crowd as you do.

Eddie @ Finance Fox writes Seven High Paying Part-Time Jobs – A part-time job can also be used to increase retirement savings, supplement business income, and an effective way of dealing with stagnant salaries.

JP @ My Family Finances writes Overanalyzing the Numbers behind the Family Grocery Bill – If you’ve ever wanted to see someone over analyze the family grocery bill, this post is for you.

Aloysa @ My Broken Coin writes What Would You Take With You in Case of a Fire? – I feel that I became too materialistic, too attached to stuff. If anything dreadful happens to us, I will be devastated by a loss of material things that took years to accumulate. I realize that material possessions are just bits and pieces of our lives and not really us. So if a fire happened, what would you grab first?

J.P. @ Novel Investor writes Risk Basics: Understanding Interest Rate Risk – The last few years we’ve seen historically low-interest rates and a rising concern over interest rate risk. We need to understand interest rate risk, its effect on different assets, and how to mange it all.

Jester @ The Ultimate Juggle writes The Personal Power of Changing a Blog Theme – Change is important in life, sometimes just a little change like a blog theme can greatly change your attitude!

A Blinkin @ Funancials writes What is Supply Trade Finance? – Supply trade finance is when a company uses a bank (usually an international bank) to facilitate the transfer of goods or services, while also facilitating the payment for said goods or services in exchange. Basically, if you’re a US-based company, you don’t want to pay for goods from China until you are guaranteed they are on their way.

Bryan @ Gajizmo.com writes 5 Safe Investments You Can Make Today – With the volatility in the markets, learn about the 5 best and safest investments you can make today.

krantcents @ KrantCents writes The 3 Z’s of Success – The 3 Z’s of Success is twenty-six in a series of articles to help you reach your goal.

MR @ Money Reasons writes Spending Money Fail! How We Spend More Than We Realize – How spending on a car repair cause great financial anguish while the lunches I’d had that week cost even more! It funny what we worry about financially.

MMD @ My Money Design writes Using the Dogs of the Dow to Buy the Best Dividend Paying Stocks – Use the Dogs of the Dow investment strategy to buy the most stable and highest dividend paying stocks available in the market.

Jason @ Work Save Live writes Does Canceling a Credit Card Hurt Your Credit? – Should You Consider Canceling Your Credit Card? Nearly everybody on this planet knows that Dave Ramsey is against credit cards; so much so that he shuns the idea of utilizing cards for their rewards and encourages people to CANCEL all of their cards despite the fact that canceling it may hurt your credit.

Jen @ Master the Art of Saving writes USDA Guaranteed Home Loan – I knew absolutely nothing about USDA guaranteed loans when we applied for one. So I thought I would share a little bit about what I’ve learned so far………..

Don @ MoneySmartGuides writes Consumers Are Horrible At Math – Derek Thompson over at The Atlantic wrote a great article titled “The 11 Ways That Consumers Are Hopeless at Math”.

Luke @ Learn Bonds writes Can we Trust Corporate Bond Credit Ratings? – Although there is a lack of trust in the rating agencies after the financial crisis you can still trust corporate bond credit ratings.

Sustainable PF @ Sustainable Personal Finance writes Want to Boost Your Savings? Consider a TFSA – One of the most interesting options that Canadians have when it comes to saving money is the Tax-Free Savings Account (TFSA).

Kanwal @ Simply Investing writes Are Your Investments Making You Money? Are You Happy With The Results? – Are Your Investments Making You Money? Are You Happy With The Results? Will You Have Enough to Retire? Can You Quit Working? If you answered “No” to any of the above questions, then the time to act is now. I know life is busy and it’s easy to put off investing for a few years, but before you know it’ll be too late.

Bridget @ Money After Graduation writes Why I travel – Read my philosophy with respect to traveling and why I love it.

Invest It Wisely @ Invest It Wisely writes Important Steps in the Home Buying Process – Here are the important steps in the home buying process. See if you agree.

Hank @ Money Q&A writes The Four Of The Best Car Insurance Discounts – Car insurance is an extremely competitive business which is great for the individual consumer. Most car insurance companies will keep their rates low in order to attract and keep consumers.

PITR @ Passive Income To Retire writes Want to retire? Answer these 3 Questions! – Find out what three questions every person should ask in preparation for retirement.

Shawanda @ You Have More Than You Think writes Changing Jobs? Why Cashing Out Your 401(k) Could Be a Costly Mistake – When a job change occurs, many workers cash out their 401(k), which can cost hundreds of thousands of dollars in retirement assets.

John @ Married (with Debt) writes Workplace Stress – The verdict is in – your job is killing you. More specifically, workplace stress is killing you. This means we’ve come full circle from our days as cavemen, when our biggest source of stress was finding food.

Anne @ Unique Gifter writes 4 Wedding Food Savings Tips (for guests) – Attending a million weddings this summer? Just going on vacation? Here are some ways to save your money on Food, as a guest. This works especially well if you’re in a hotel with a group of people!

Earth and Money @ Earth and Money writes Are We Funding Our Own Demise? – Canadians are funding their own demise by financially supporting companies which create unhealthy environments.

Tushar @ Start Investing Money writes Should You Use the Internet to Explore Investment Ideas? – Why not use all the resources available to you for investment ideas? The internet is a great way to do it!

Suba @ Broke Professionals writes 6 Things to Do This Summer to Boost Your Promotion Potential – Here are six things to do this summer to boost your promotion potential!

Kyle @ The Penny Hoarder writes Earn Extra Cash As a Personal Paparazzi Photographer – Are you an amateur or professional photographer wanting to put your talent to use while earning some money in the process? Here is what you can do to earn extra money.

Evan @ My Journey to Millions writes Generating Income During Retirement with the Internet – While I recently discussed the boring, usual ways for to boost investment income, I didn’t talk about active online endeavors. To be fair, these options aren’t just for retirees, but I think experience and time would help:

SFB @ Simple Finance Blog writes How Does Corporate Finance Work? – Corporate finance is the finance of companies and businesses, and the tools used to make financial decisions for businesses. The primary goal of corporate finance is to increase the value of the company. Most corporate finance issues can be broken down into either long-term or short-term goals and decisions. For example, capital spending, long-term financing…

L Bee @ L Bee and the Money Tree writes The Magic of Compounding Interest on Student Loans – Below is a guest post by Drewski. In addition to being my main squeeze he also used to work as a broker in New York City and currently helps teach brokerage exams. Aside from being uber qualified, as a graduate student he knows first hand the cold fist that is compounding interest.

Sean @ One Smart Dollar writes Credit Unions vs Banks – Which is Best for You? – A lot of people don’t know the difference between credit unions and banks. Here is a guide to helping you pick the right institution

Miss T. @ Prairie Eco Thrifter writes Small Choices Mean Big Gains When Achieving Financial Security – If you can understand the concept of making small choices, on a regular basis, in order to achieve big gains in the future, it becomes easy to change this mindset.

Paul Vachon @ The Frugal Toad writes How to Get the Most From Your Credit Card Rewards – Whipping out the plastic doesn’t sound like the best way to save money, but if used correctly, credit cards can play a role in stretching your budget and getting the most from your money.

Grand Per Month @ Grand Per Month writes Consider Employment Benefits Before Taking a Part-Time Job – Sometimes making a grand per month is not just about the extra cash in your pocket but the generous benefits that you receive. Yes, it would be nice to make an extra grand per month in cash, but sometimes it is worthwhile to make less at a part-time job that also pays you generous benefits such as health care and a 401k.

Penny Thots @ Penny Thots writes Gas Prices Tick Me Off! – If the high prices of certain products like gas are getting you down, then consider becoming an owner of those assets and benefit from the price increases rather than letting them cause you pain.

Little House @ Little House in the Valley writes Thoughts on Building a House – Through enough of my own research, I realize that if the time comes to choose a builder for my little house, I’ll be making sure that builder has a few of the following qualities:

Beating Broke @ Beating Broke writes Are You a Peter Pan Spender? – Growing up doesn’t mean you can’t have fun. It just means you have to have fun with responsibility. When all the bills are paid and you’ve socked away a bit for the future, have all the fun you want.

Jeremy @ Modest Money writes Saving Money By Taking Your Own Lunches To School or Work – If you work outside of the home, you have to supply your own lunch. Unless the executive dining room is at your disposal for free, you are on your own when hunger strikes at lunchtime. Eating lunch in expensive restaurants every day can be fun, but most working individuals have neither the time nor the money to indulge in that habit.

Investor Junkie @ Investor Junkie writes Lending Tree Review – Quick and Painless Mortgage Refinance – When you do sign up for LendingTree be prepared to start accepting calls as well. These banks really do want your business, and LendingTree made the process simple. It’s great that they came to me instead of me having to go to each bank and research for the best rate. It was a time saver and convenient.

Greg Field @ NerdWallet writes How I Made the Switch to a Credit Union – An insightful article on how to switch out of your expensive and unfriendly big bank account into a money saving credit union. Enjoy!

Ashley @ Blogging For Money Now writes Learn How to Make Money with Blogging – This site gives beginners some great tips and products to jump start their blog making and quickly start earning money. The products listed on our site are products that we have personally used, and still use.

Jason @ Live Real, Now writes Handling a Windfall – What would you do if you were handed $10,000 tomorrow? $20,000? The easy default answer–if you spend time in the personal finance world–is to pay off debt and save the rest. But is that the right answer?

Steven @ Grocery Alerts writes Seven Refillable Items – Saving Money & the Planet – A lot of people assume that saving money and saving the planet are two separate goals, yet this isn’t the case. There are plenty of environmentally friendly solutions that can also help you develop a growing savings account.

Teacher Man @ My University Money writes Should You Take a Full Course Load? – Taking a full course load in school will help you get out of school quicker and into the work force, which helps pay off your debt sooner.

Jeff Rose @ Good Financial Cents writes Best IRA Online Brokers – If you’re looking to open an IRA with an online brokerage firm, you have a lot of options. Here are some of the best ones to choose from and why we like them so much.

Greg@ClubThrifty @ Club Thrifty writes Avoiding the Debt Trap – Recently, my friend asked me for some financial advice. I advised him that refinancing his house could save him tens of thousands of dollars over the long run. Unfortunately, he didn’t take my advice and fell into the “Debt Trap.”

Steve @ Brip Blap writes How Coaching Can Help You Out of a Rut in Your Corporate Career – Here are 3 key areas that coaching can help you with, whilst helping you get out of that rut and enjoy working again:

Echo @ Boomer & Echo writes The Ins and Outs of No Medical Exam Life Insurance – No medical exam life insurance has higher premiums than a standard life insurance policy, but may actually be less expensive for someone who’s likely to be rated. The tradeoff is in the benefits.

Katie @ The Discount Coder Blog writes 7 tips for saving cash on camping by keeping it simple! – Everyone loves going on holiday but sometimes we just don’t have the spare cash to make it happen when we really want. Well, camping can solve that problem and these thrifty camping tips will get you sleeping under the starts for even less cash!

Peter @ Bible Money Matters writes The History Behind Credit Bureaus, and the Founding of the Big Three – Having our credit checked when we borrow money has become a fact of life these days, and we’ve all come to expect it as part of the process. But where did the credit bureaus come from, and how long have they been around?

Mr. Money @ Smart on Money writes Rebuilding and Starting from Scratch – Here are a few tips on how to recover from a financial calamity and start from scratch:

Lazy Man @ Lazy Man and Money writes New Nonsensical Stock Trading Idea: Someone Else Paid a Lot More for It – Since institutional investors had paid a lot more for Facebook, I figured I was getting a better deal than those smart guys. Better yet, they’d probably do whatever they can to try to push the stock up so that they can break even. With this in mind, I ended up buying some FB at around 30.50 and as it continued to drop some more at around 26.50. Facebook stock recovered to around $33 and I implemented a strategy a friend at college had mentioned… selling most of the stock and playing with much

Robert @ My Multiple Incomes writes Why Multiple Income Streams Are Important – I tried explaining to my friend why I would want extra income (as explained below) and she just could not grasp my reasoning. Having extra income and multiple income streams can be great for many reasons.

Emily @ Evolving Personal Finance writes Giving Should Exceed Saving? – I recently heard the suggestion that one’s savings rate should not exceed one’s giving rate. What do you think of this principle?

Darrow Kirkpatrick @ Can I Retire Yet? writes Why an Annuity Could Be in Your Future… – Many careful, frugal investors have long ruled out any sort of annuity as a retirement solution. Count me in that camp. For years, I loathed annuities because of what I read about the expenses and complexity. Why would I need an annuity, when I was enjoying great success at growing my own diversified portfolio well in excess of our retirement income needs. But then three events transpired…

Robert @ Entrepreneurship & Life writes Bringing In a VA to Help with Your Business – If you are not big enough to hire an employee, but you still need a little extra help, a virtual assistant could be just what you need. There are many types of jobs that can be outsourced, but here are some of the most common outsourced jobs

Robert @ Entrepreneurship & Life writes Bringing In a VA to Help with Your Business – If you are not big enough to hire an employee, but you still need a little extra help, a virtual assistant could be just what you need. There are many types of jobs that can be outsourced, but here are some of the most common outsourced jobs.

Melissa @ Bargaineering writes 0 Frugal Hobbies (That Might Even Make You Some Money) – Everyone needs a little down time to relax and unwind. While some choose to spend quite a bit of money on their hobbies and recreational activities (think downhill skiing or boating), your hobbies don’t have to cost a lot. Best of all, some frugal hobbies might even make you money!

Everything Finance @ Everything Finance Blog writes So You’re Debt Free; Now What? – Debt is the great equalizer, and the overwhelming majority of Americans are saddled with more than their fair share. But there are some who manage to tame the monster of indebtedness. Those people are left facing a variety of paths: What to fund first? College tuition for my kids or retirement? Invest first or save?

Glen Craig @ Free From Broke writes Bad Credit? Rebuild it With These Secured Credit Card Offers – Using one of the best secured credit card offers can help you build, or re-build, and improve your credit an get you on your way to getting an unsecured card.

CCS @ Credit Card Smarts writes Savvy Credit Card Use: Pay Off Your Balance Each Month – Want to use your credit card wisely? Make sure you pay off your balance each month. This way you save yourself from debt and more.

The Carnival of Money Pros is brought to you to by the Money Pros Team, and you can submit articles at Blogger Carnivals.

Carnival of Money Pros

I am super excited to host this week’s Carnival of Money Pros! This is our first time as a host of this carnival. Here are some of the finest posts that made the cut.

Ray @ Squirrelers writes Public or Private Schools – Sending kids to school is an investment that people pay for. This includes public schools, paid for in taxes and property values. If already paying, when does it make sense to pay for private schools? This post discusses paying for public or private schools.

Glen Craig @ Free From Broke writes The Best Travel Rewards Credit Cards – The best travel rewards credit cards can maximize your spending, giving you benefits like free flights, hotel nights, and more. See the travel rewards card that best fits your needs.

Shilpan @ Street Smart Finance writes How to Identify A Money Fool – We live in a wicked world. Our quest for wealth largely depends on smart financial decisions we make throughout our lives.Our financial habits play the key role to shape our financial well-being.

PITR @ Passive Income To Retire writes Reasons Why People Don’t Follow Their Dreams – Find out why people fail to realize their dreams. Why do people fail? Why do people give up on their dreams?

Wayne @ Young Family Finance writes Should You Hide Money From Your Spouse? – A recent study showed that many partners or spouses hide money from their significant other. Is it okay to hide money from your spouse?

Theresa Torres @ Credit Donkey writes National Parks: More Fun for Less Money – National Parks offer a way for families to enjoy spectacular views, adventure, stimulating activities as well as solitude and relaxation without spending a lot of money. You can even save by using your credit card rewards on airfare, gas and restaurants.

Kanwal @ Simply Investing writes Did You Buy Shares in Facebook? Should You? – On Friday (May 18, 2012) Facebook became a public company. Facebook shares began trading on the stock market, meaning anyone could now own a part of the company. But should you have bought shares in Faceboook? The answer is no. Facebook shares started trading at $38 each, which valued the company at $104 billion.

Hank @ Money Q&A writes Harnessing The Power Of Compound Interest – There is a power of compound interest that both savers and investors need to understand and harness in order to grow their wealth.

Kevin @ Thousandaire writes Invest in Used Washers and Dryers, Get Rich – I bought a washer and dryer set for cheap and re-sold it four years later for a 75 percent profit.

Eddie @ Finance Fox writes 35 Money Lies People Tell Regularly – Men supposedly lie six times more per day than women, and when someone tells you, be a man or a woman – “Nothing is wrong, I’m OKAY”, they’re really lying to your face.

Jeremy Waller @ Personal Finance Whiz writes Top Personal Finance Posts Of The Week – Facebook IPO Post Mortem Analysis Edition – So…Facebook’s IPO was on Friday…and it was one of the least exciting IPOs I’ve ever seen. The hype leading up to it was off the charts. This was supposed to be one of the biggest IPOs in years. It opened pretty stinkin’ close to my prediction.

Jen @ Master the Art of Saving writes Addictions Can Ruin Your Budget – Addictions can get expensive, not all of them, but some of them can. Addictions can ruin your budget and financial goals. Will addictions ruin everybody’s……

Daisy @ Add Vodka writes It’s Not Necessary To Pay For Your Kid’s College Education – ****** Disclaimer (Edit): This post is in no way meant to reduce the accomplishment of those who had their parents pay for college for them, nor is it meant to be a compare/contrast of people that pay for their own …Read more »

Kyle @ The Penny Hoarder writes How to Make Money as a Part-Time Baseball Umpire – If you love the sport of baseball and have some free time, there’s no reason you can’t be an umpire for real and get paid to do it!

Suba @ Broke Professionals writes Our House On The Market: Month Three – We’ve now had our house on the market for three long months, and I’m losing faith. We’re dropping the asking price, but I wonder whether it’s enough to get it sold.

John @ Married (with Debt) writes Creflo Dollar, Joel Osteen and the Prosperity Gospel – Preachers like Creflo Dollar and Joel Osteen are leading figures in the prosperity gospel movement. What is it, and is it right?

Don @ MoneySmartGuides writes What Are Your Options for Dealing with Debt – One of the biggest problems with debt is that being burdened by it makes you feel helpless. However, you always have options for dealing with debt, for tackling it yourself to using debt management services by Pay Plan.

Sustainable PF @ Sustainable Personal Finance writes Canadian Dividend Stocks: Brookfield Renewable – Many investors are looking to Canada as a source of investing opportunity that are a little more eco-friendly than their competitors like Brookfield Renewable Energy Partners.

Jon the Saver @ Free Money Wisdom writes 5 Ways to Pay Off Your Mortgage Without Breaking the Bank – Imagine your life without a mortgage; you’d have more money to spend, more money to save, more money to invest—more money for everything!

Tushar @ Start Investing Money writes Understanding the Different Stock Indexes – Read more to understand the difference in the stock indexes. Information is power when it comes to the exchanges!

101 Centavos @ 101 Centavos writes How To Painfully Save Hundreds of Dollars a Year – While we’re off on vacation, I’m recycling/re-branding/editing some old posts. This one was originally posted on November 6th, 2010. Save hundreds…

Jason @ Work Save Live writes Things to Consider With Your Relationship and Money – This week I’m taking a part of a “Blog Swap.” So instead of posting on my site today, I’m trading places with one of my fellow bloggers! I hope you enjoy hearing from a new perspective! Your Relationship and Money A lot of couples fight about money.

Maria @ The Money Principle writes Four conditions under which cash loans may not be such a bad idea after all – Before I go on and set out the four conditions under which, I believe, cash loans may not be a bad idea let me tell you a story.

krantcents @ KrantCents writes The 3R’s of Success – The 3 R’s of Success is the eighteenth in a series of articles to help you reach your goal.

MR @ Money Reasons writes Are You Underestimating Your Abilities and Potential? – Are we underestimating ourselves? Read my story of a brilliant neighborhood mom that could have made much more money in life.

Amanda L Grossman @ Frugal Confessions writes 20 Ways to Spend Money On and Off Board a Cruise – I am fresh off the ship of the first cruise I have ever taken.

Aloysa @ My Broken Coin writes Would You Pay More For a House With a View? – Do you think that houses with an excellent view is worth more? Would you pay more for one?

Debt Guru @ Debt Free Blog writes Are You Entitled? Does Entitlement Lead to Debt? – Find out how the feeling of entitlement affects your spending habits and what you can do to stop it.

Corey @ Steadfast Finances writes Debt Settlement vs. Debt Consolidation – Debt settlement and debt consolidation are among the top debt-reduction options for individuals who have more debt than they can handle. While both tracks can help you get out of debt, their approaches are very different.

Corey @ 20s Finances writes Cost of Being in Someone Else’s Wedding – Do you have any close friends getting married soon? Have they asked you to be in their wedding? Do you know how much it will cost you to say yes? I was in a friend’s wedding in December and will be in another wedding in June. Between those two weddings and having 3 other weddings to attend in the next few months, I have weddings on the mind.

A Blinkin @ Funancials writes Simple Steps To Grow Your Business – As your business starts succeeding, you should look at what the next level is. This can encompass a whole range of things, from moving out of the house and into a real shop, or even just making your existing business look more professional and function more streamlined.

Daniel @ Sweating the Big Stuff writes Reevaluating Your Wireless Service – Do you spent too much on your wireless service? These people are perfect examples of why you should reevaluate your plan today!

SFB @ Simple Finance Blog writes Is Getting Pet Insurance Worth It? – For some people, the issue of getting pet insurance is simply ridiculous.

PPlan @ Provident Plan writes Insurance: Pros and Cons – In all walks of life, it pays to be safe. Doing your best to ensure that you don’t succumb to any illness, injury or any other form of harm is important,

Crystal @ Budgeting in the Fun Stuff writes Getting Excited about FINCON12 But Nervous Too… – The Financial Blogger Conference 2012 is going to be awesome, but I am already nervous about speaking. This will make FINCON12 a bit more stressful for me.

YFS @ Your Finances Simplified writes Rental Property #3 Numbers Analysis – As I told you guys in the last post, I’m going to give you the actual break down of my current and future rental property purchases.

JP @ My Family Finances writes Are Bank CDs a Waste of Time and Money for Families? – These days it’s hard to see bank CDs as anything but a waste of time and money for your family’s finances.

Evan @ My Journey to Millions writes What Is a Grantor Retained Annuity Trust and What Does It Have to Do with Facebook? – I am a little late to the story, but I was shocked to learn that a few of the Facebook founders used an estate planning technique known as a Grantor Retained Annuity Trust (GRAT) to help their future heirs save on estate taxes.

Beating Broke @ Beating Broke writes How Higher Education Is Ruining the Economy – The last thing you probably expected, today, was a post about how higher education is ruining the economy. After all, aren’t personal-finance bloggers supposed to be all about advancing yourself, spending wisely, and earning all that you can? Perhaps, but I’m of the personal belief that one can still advance yourself, spend wisely, and earn all that your worth without having to go to college.

Invest It Wisely @ Invest It Wisely writes Living to 100 and Beyond: The Changes Ahead – This is the second in a series of articles on living to 100 and beyond. This post was originally published on May 26, 2010. Living to 100 and beyond…

Laura @ NerdWallet writes NerdWallet’s Best Cash Back Credit Cards, Spring 2012 Edition – Rewards hunters often lean toward cash back credit cards. Sure, gift cards are nice, and airfare is lovely, but cold hard cash provides the versatility and flexibility to put rewards toward any goal or purpose that tickles your fancy.

Little House @ Little House in the Valley writes Largest Lotto Winnings in an Infographic – Who doesn’t daydream about winning the lotto, inheriting a fortune, or coming into a windfall? Of course, most of us don’t rely on this happenstance to fund our future and we make financial plans accordingly (ie. we save for a rainy day and fund out retirement accounts.) But it’s fun to think about what a person might do with all that money

Luke @ Learn Bonds writes Are Investors in the PIMCO Total Return Fund Missing Out? – The PIMCO Total Return Fund is Underperforming PIMCO’s new BOND ETF. Are PIMCO Total Return Fund Investors missing out?

Grand Per Month @ Grand Per Month writes What’s Your Motivation? – What is your motivation to make an extra grand per month? What would you do with an extra $1000 each and every month? The amount of desire and need that you have for the money could very well determine your ability to succeed.

Dave @ 6400 Personal Finance writes Ask Someone Else About Credit Card Debt – There are times when we focus too much on stories about people trying to correct a mistake as opposed to avoiding that mistake in the first place. I show how easy it can be to do the latter when it applies to using credit cards.

Ashley @ Money Talks Coaching writes Get a Free $25 to Lend on Kiva – Maybe I’m behind the times on this but I recently learned about Kiva. I’d heard of it before but I didn’t know what it was.

Penny Thots @ Penny Thots writes Making Financial Discipline Manageable – One of the best ways to help yourself stick to your budget is to allow yourself small pleasures. Below is a list of several things in my life that I have allowed to stay in my budget as a tradeoff for more expensive things. All of the list below are things that exist in my real life and things that I have found will save me money in the long run.

Steve @ Brip Blap writes 10 Quotes on Careers – Here are what some famous people have said about careers and my take on them.

Jeff Rose @ Good Financial Cents writes Dave Ramsey Might Think I’m Crazy. Here’s Why. – I believe that people need to have more of a hands-on approach with their investments. By having to open a Roth IRA it requires you to go out and do research in where the best place is to open a Roth IRA. You’ll then have to figure out a way to get the money into it, and forced to learn how to choose the investments you place inside it. At worst, you’ll have to sit down with a financial planner to help you make sense of it all.

Jeff Rose @ Life Insurance by Jeff writes Protection For Your Home – Is Mortgage Life Insurance Worth It? – While your house is most likely your biggest asset, does that justify paying the extra premiums to have a mortgage life policy? Does the added cost really give you the protection you need?

Investor Junkie @ Investor Junkie writes Shifting Risk in Your Investments – To invest in real estate on an individual level requires using your income, assets, and personal balance sheet to make a deal. The banks care about your data – you’re the risk. And your balance sheet is the collateral. Real estate investment trusts (REITs), however, allow you access to the same kind of leverage (borrowing inexpensively to purchase higher-yielding investments) without risk to your personal balance sheet.

Steven Zussino @ Canadian Personal Finance writes Is Buying a Condo the Right Decision for You? – The decision to purchase a home, any home, is a big one. It means more responsibility, less flexibility when it comes time to move, and a mortgage. However, financially speaking, purchasing is a better investment more times than not.

Miss T. @ Prairie Eco Thrifter writes Small Money Mistakes that Have Big Consequences – It is often the little things you do, the small actions you take, that have the biggest impact on your financial security, both in the present and in the future. Of course, this concept is true whether the little things are positive or negative.

Robert @ My Multiple Incomes writes My Monthly Income Stream – May 2012 – May was an awesome month online. It seems things in the digital world are settling down and getting back to normal, especially after all the major updates. That is a huge relief.

Jeremy @ Modest Money writes Overcoming Unemployment Challenges – As many of you know I’ve been unemployed the whole time I’ve been running this blog. Now find out about the struggles I’ve had to overcome to rejoin the world of the employed.

Paul Vachon @ The Frugal Toad writes Frugal Living Made Easy – Frugal living is all about making informed and deliberate choices in how to spend money. In other words, frugality allows me to get more value for my hard earned dollar and who wouldn’t want that?

Robert @ The College Investor writes Things Not to Spend Money on in College – At a young age your money is worth a lot more than when you’re old because of how long it can work for you; invest it wisely and it will grow rapidly, squander it on frivolous things and you’ll end up barely scraping by your whole life. Spending money on stupid things only leads to trouble…here are five things you should never spend money on while in college if you want a financially lucrative life.

Lazy Man @ Lazy Man and Money writes Timing the Market with a Small Amount of My Portfolio – I’m a big believer in regressing to the norm, and I feel that guessing that markets at lows will go up and the those at highs will go down seems right. Perhaps this will help me make a little money if the market trades sideways as it has for quite a long time.

Kraig @ Young, Cheap Living writes How I’m Achieving My Goals by Attending FinCon12 – After having started my blog just 6 months ago, I booked my trip this week for the 2012 Financial Blogger Conference in Denver. This is quite exciting for me and my career as I plan to use it to achieve my personal and professional goals. In this post, I talk about those goals and how the conference fits in with them.

Jason @ Live Real, Now writes How to Live Happily without a Budget – Three years ago, we sat down and built our budget. We spent 9 months adding the non-monthly bills that we forgot about when we created the budget. Setbacks and shortfalls almost killed the budgeting plan completely. It took almost an entire year to get our budget right. Now? I refer to the budget once per month. No more.

Peter @ Bible Money Matters writes 3 Ways Stewardship Can Revolutionize Your Finances – Looking at your finances through the paradigm of stewardship profoundly affect how you manage your personal economy, operate your businesses, capitalize on marketplace opportunities, and respond to perceived risks. Stewardship, acting on the behalf of others, can markedly change your financial world. Here are 3 ways stewardship can revolutionize your finances!

Melissa @ Bargaineering writes How to Cure the “Gimmes” in Your Children – Most parents hear their kids whine for something daily. If you are tired of suffering, there is a simple way to cure the “gimmes”—put your child in charge of his own finances (relatively speaking).

Echo @ Boomer & Echo writes Best Credit Cards For Travel Rewards – I looked into the best credit cards for travel rewards in Canada based on spending an average of $2,500 a month. Here’s how they stack up:

Roger the Amateur Financier @ The Amateur Financier writes Book Review – How to Land Your Dream Job – A review of the book How to Land Your Dream Job, which focuses on providing advice to get your job hunting in order and maximize your chances of getting the job you really want.

Jefferson @ See Debt Run writes Money For Nothin’ – Nothing is worse than money that you have to spend without getting a return. Discussed are interest payments, insurance, and bank fees.

Emily @ Evolving Personal Finance writes Laying a Path from Here to There – We all have at least vague visions for what we want our life to be like. But how can we make those visions into reality? I outline three steps and give specific examples.

Carnival of Retirement the 22nd Edition

Welcome to the 22nd edition of carnival of retirement, the second carnival I am hosting at FPR. This is one amazing carnival where rarely people submit their retirement related post. this week we can see a few retirement posts but, mostly the articles are of the general broader personal finance topics.

About my retirement plan, I am maxing out IRA and saving in 401 (k) to get maximum matching employer contribution, in my case it’s 5% and I am saving just that. I have no plans to retire early, unless perhaps I win a lottery.

As a blogger we have an obligation to the society to increase awareness on importance of retirement saving. More than half of total American population do not have retirement fund. That’s scary.

Let the carnival begin now.

Todd Tresidder @ Financial Mentor writes What Big Wall Rock Climbing Can Teach You About Wealth Building – Building wealth is no secret. It is simply a matter of applying the same proven success principles that work in ever field – whether it is health, career, or extreme rock climbing.

Ray @ Squirrelers writes The Staggering Cost of Health Care in Retirement – When people think of retirement costs, health care is often just given a passing thought. However, these costs just might make or break someone’s retirement, as this post explores.

Paul Vachon @ The Frugal Toad writes Save Money on Auto Repair with These Web Apps – With the average age of cars on U.S. roads approaching 11 years, saving money on auto repair is a high priority for many people. One of the problems when dealing with auto repair away from home is finding a reputable repair shop. With a smartphone and these websites, saving money on auto repair is right at your fingertips.

Michael Kitces @ Nerd’s Eye View writes A New Way To Review Your Social Security Benefits – Online! – Although Social Security benefits are a major part of retirement planning, since the Social Security Administration stopped mailing statements to workers last year, most people have been limited in their ability to get updated Social Security information Fortunately, earlier this month the Social Security Administration launched a new online platform allowing anyone to access their own Social Security benefits estimate and earnings record – and it takes just 5 minutes!

Dr. Dean @ The Millionaire Nurse Blog writes Innovative Ideas – Are you looking for new ideas? Do you want to learn how to look for ideas in a new way? This is an innovative way to expand your search for creativity.

A Blinkin @ Funancials writes What To Do With Your Old 401(k) – There are a lot of topics within personal finance that can spark debate among “experts” and economists; however today, I will highlight a less-controversial topic. Though important, I foresee no wadded panties towards the end of the post.

Jason @ Work Save Live writes What Phase of Investing Are YOU In? – Welcome to the ‘Understanding Retirement Planning & Investing’ series! If you’ve missed the first few posts be sure to check them out! Everything You Need to Know About a Roth IRA.

Jeremy @ Modest Money writes Putting Your Health Before Your Finances – One area that I was particularly naive was how I viewed health. I thought that while I was young with no obvious problems that I just didn’t need to worry about it. As a result I was irresponsible and abused my body. This may not seem like a financial mistake, but I’m really learning it all comes full circle.

Daniel @ Sweating the Big Stuff writes IKEA’s As-Is Department: How We Saved 40 Percent on a China Cabinet – This article is about how we saved 40 percent on a China Cabinent by buying it thru IKEA’s AS-IS Department! Read about our great deal!

Amanda L Grossman @ Frugal Confessions writes Are Family Memberships Worth It? – Summer is upon us—a potentially busy time for Moms and Dads.

Evan @ My Journey to Millions writes Trying to Understand Long Term Care Insurance – With costs increasing and people living longer there is an obvious need for a long term health insurance product that shifts the risk to a company that can pay for it no matter what, so what don’t I get? I don’t understand why people are purchasing the current products out there nor do I understand why insurance companies are selling the current product today.

Peter @ Bible Money Matters writes Lending Club Returns Closing in on 12%: Lending club Could Cross $1 billion in Total Loans by End of Year – My Lending Club account has been kind of hands off the last couple of months, with no new loans being bought or sold. The good news is that my returns are continuing to improve. My returns are now up to 11.93%, getting close to the 12% I said I was looking for a while back.

Mr. Money @ Smart on Money writes How Scammers Use Personal Information to Fool You – The fact that personal information about you is available online means that scammers can use it to fool you into thinking that you are being contacted by someone you know, or someone you share an affinity with. Here are some of the ways that a scammer can trick you with the help of information that many people don’t think about as being too telling online:

Penny Thots @ Penny Thots writes Putting a Price on Time – Everyone always says that when it comes to saving for retirement, the earlier you start, the better. This is because of the effect of compound interest over time. A simple explanation is that the longer you have (time) the more your money can compound upon itself and grow.

Lazy Man @ Lazy Man and Money writes Early Retirement Plan Update: 2012 – About three and half years ago, I wrote about our plan for early retirement. I wrote it knowing that planning for things that far in advance are not going to as planned. Still, it is important to put a road map into place and make adjustments along the journey as conditions change.

Ashley @ Money Talks Coaching writes We Paid off $37,000 in 58 weeks! – My friends Vicki and Alan became debt free this week!! I asked if they would do a little interview for this site and they graciously agreed.

Kyle @ The Penny Hoarder writes How to Get Paid for Making Fun of Movies Online – If you are good at making fun of movies, here’s an opportunity for you to make some money from it…

Debt Guru @ Debt Free Blog writes Should you Finance Vacations? – Everyone enjoys a nice vacation. If you are working a stressful job that makes you feel entitled, you may want to get away for a week or two. It’s not always easy to save up for vacations and it’s definitely takes work to find cheap vacation ideas these days (with the cost of gas and airfare going up), so the two choices that people are often left with are 1.

Kevin @ Thousandaire writes Do Young People Need Life Insurance? – Do young people need life insurance? Unfortunately that’s the wrong question.

Luke @ Learn Bonds writes Is Now a Good Time to Buy a Savings Bond? – The Treasury Department recently announced rates for Savings Bonds purchased between May 1st and October 30th, 2012. Is now the time to buy?

Robert @ The College Investor writes Swing Trading with Alexander Elder: 3 Ways to Profit – Swing trading is about having a defined set of rules for buying and selling. This eliminates the subjectivity and emotional aspects of trading, which so many traders fall victim to. Swing trading is also labor intensive, since it takes a lot of time and effort to due the necessary technical and fundamental research. Here is what you need to know about swing trading, and how to profit:

SFB @ Simple Finance Blog writes The Rise of Electronic Money – What is electronic money (or e-money)? What are its advantages and disadvantages.

Eddie @ Finance Fox writes 5 Full Proof Ways To Beat Rising Gas Prices – Prices of gas at the pump are just going up, and its our due diligence to keep fighting back by saving money every time we fill our car.

MMD @ MyMoneyDesign writes Can You Afford to Work? – Does your daycare cost more than you make? Would it make sense for you to simply quit your job and stay at home with the kids? There are many reasons on both side of the argument. Let’s explore a few of them.

Sustainable PF @ Sustainable Personal Finance writes HELOC For Consumption vs Investment – The Smith Manoeuvre might not be for everyone, but basic math shows that it isn’t insane. In fact, for many people, it makes a lot of sense.

Van Beek @ Stock Trend Investing writes Historical Results – To grow your savings and protect your wealth, you want avoid the massive downturns in the stock market. Since the situation for every person is different, you want to be able to select a trend signal that matches your risk profile.

101 Centavos @ 101 Centavos writes Why Green is the Way Forward for Your Business – Improving your environmental credentials is unlikely to be at the top of your to do list, but ‘going green’ can be a super smart move for any business….

Daisy @ Add Vodka writes Are Bloggers Really Writers? – I was in Kindergarten when I picked up my first novel (Babysitters Little Sister – holla!) that a family friend had given me to save for when I was actually old enough to read it, and I never looked back.

JP @ My Family Finances writes Family Debt Management: Should You Take Out a Student Loan for College or Save Up and Pay With Cash? – When managed correctly, debt is very useful, it can help you save money and get you ahead in your finances. Student loans are a perfect example.

Maria @ The Money Principle writes About the importance of spotting opportunities and acting on them – Looking at my plan and what I have really achieved it struck me that my main achievements didn’t have much to do with my plan and a lot to do with serendipity. Also, although my talents, skills and knowledge were absolutely necessary for some of these to come off, they are by far not sufficient. These achievements needed opportunities, my ability to recognise these and the courage to ride with them.

MR @ Money Reasons writes Are Robert Kiyosaki’s Books a Stepping Stone To Wealth? – After re-reading the rich dad poor dad author Robert Kiyosaki’s books, I now think that they serve a great purpose on the road to wealth… Believing!

Suba @ Broke Professionals writes You Better Not Die Without These Three Documents! – You Better Not Die Without These Three Documents! is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. Death is something that no one wants to think about, but is inevitable. Like the saying goes, “no one comes out of this life alive.

PITR @ Passive Income To Retire writes Ways to Retire Early – Find out what it takes to retire early. Do you have what it takes to quit your day job before everyone else?

Tushar @ Start Investing Money writes 5 Types of Common Stocks – This Post was Originally published at 5 Types of Common Stocks on Start Investing Money

YFS @ Your Finances Simplified writes We Have Officially Purchased Rental Property #3 – As Ice Cube said Today Was a Good Day I thought we were going to get this deal done before our Europe vacation, but the sellers lawyer was moving at a snails pace. So, I said sorry guys we are closing when I get back. Then the deal almost didn’t happen, here’s why…!

Jen @ Master the Art of Saving writes Warning: Drinking Alcohol Can Make You Spend More Money – Can drinking alcohol make you spend more money? In my experience it can, but that doesn’t mean that it’s that way for everybody. Is it? Drinking alcohol……..

Jeffrey @ Money Spruce writes Who Does Professional Indemnity Insurance Cover? – The following is a guest post. Professional Indemnity Insurance is available to protect you from the costs of defending (and perhaps settling or being ordered to compensate) cases brought by clients dissatisfied you’re your professional work. Depending on the type of business you own, the sort of cases that might be brought against you will vary.

Invest It Wisely @ Invest It Wisely writes Negotiate Using the Lifetime Loyalty Card – Repeat after me: Everything is negotiable.

ETZ25 @ Entertainment Timez writes Is BP a Dividend Stock For Entertainment Money? – would BP make a good stock because of it’s dividend as a cashflow for entertainment timez?

Corey @ Steadfast Finances writes How to Turn Artistic Creativity Into Supplemental Income – Find out how you can turn your creativity into a side income and perhaps even replace your day job income.

Crystal @ Budgeting in the Fun Stuff writes Saving Our Health and Money – Thanks to health issues and debt, our family has made big changes to our food budget and choices. Our health is getting better and we are saving a lot!

Jon the Saver @ Free Money Wisdom writes Do You Plan to Work in Retirement? – You probably don;t want to work during retirement, so start making steps today to ensure that you don;t get stuck in the working trap!

Hank @ Money Q&A writes Why Good Companies Do Not Always Make Good Investments – There is a difference between a good company and a company’s stock that makes a good investment. How do you choose and know when a good companies may not make good investments?

John @ Married (with Debt) writes PMI: The Shadow Debt – PMI is annoying, but is it a debt? Private mortgage insurance, or PMI, is a cost of ownership, but it behaves like a shadow debt.

Don @ MoneySmartGuides writes Half of American’s Save Nothing for Retirement – A recent survey by LIMRA, which is an association related to the financial services industry, found that 49 percent of American’s are saving nothing for retirement. The percent is even higher for 18-34 year olds, of which 56 percent save nothing.

Jeff Rose @ Good Financial Cents writes Five Ways to Prepare for Retirement Health Care Costs – How much you’ll have to put away for retirement to cover healthcare costs will really depend on your specific lifestyle and situation. According to Fidelity Investments, a married couple may need as much as $240,000, and most of this is just to cover the costs of their health care. If you’re starting to prepare for retirement, there are several ways in which you can save on your health care costs.

Aloysa @ My Broken Coin writes Why I Took Out a 401K Loan – Two years ago I took out a 401K loan to pay off my personal loan. Don’t gasp. Don’t shake your head. Don’t judge, or be judged, remember? Most financial bloggers recommend to never borrow from your 401K. They are right: the risks of taking out a 401K loan outweigh the benefits by far.

Corey @ 20s Finances writes Is the Best Job The Highest Paying One? – Too often our society places the highest value on that which costs the most money. Somehow we have come to learn that the most money means the best product and ultimately, quality of life. We convince ourselves that life would be better if we had more money. While it is almost always easier, it doesn’t mean better.

Sicorra @ Tackling Our Debt writes http://tacklingourdebt.com/2012/05/29/what-not-say-co-workers/ – So did I miss any points on what not to say to co-workers? Again, I am interested in hearing your perspective of what should and shouldn’t be said based on your experiences in your present or past work environment.

krantcents @ KrantCents writes The 3 R’s of Success – The 3 R’s of Success is the eighteenth in a series of articles to help you reach your goal.

Jester @ The Ultimate Juggle writes Watch out for These Scams When Opening up a High Risk Merchant Account – Merchant account scams have become more common as more businesses have become able to accept their customers’ credit cards. High risk merchant accounts can be especially vulnerable to these types of scams.

Jeremy Waller @ Personal Finance Whiz writes Infographic: The Insanely High Cost of Higher Education – Upon graduation, the average student has over $25,000 in student loan debt. Though, it’s not unusual to graduate with many times that amount.

Sean @ One Smart Dollar writes The Effects of Student Loans on Credit Scores – Have you ever stopped to think about how your student loans might affect your credit score?

PPlan @ Provident Plan writes Should You Pray for Good Fortune? to Win the Lottery? – Do you find yourself wanting more money? Maybe you want to win the lottery. Find out how prayer comes into play and whether it can help you win the lottery.

TRL @ The Retired Landlord writes Why Purchase Price is VERY Important – Find out what properly assessing a rental property is important for any real estate investor. The last thing you want to do is over pay.

Wayne @ Young Family Finance writes Cheap Hobbies to Save You Money – Find ways to save money with these cheap hobbies. You will save money and find enjoyment at the same time.

Young @ Young And Thrifty writes Investors Group Update: Lower MERs – Slowly but surely, those who are preaching the low MER fees Gospel (and I will proudly number myself among the faithful) are winning the battle for the hearts and minds of Canadian investors.

Teacher Man @ My University Money writes Is the Extended Warranty Worth It? – What you are being sold using catchy terms like “layers of protection” is an extended warranty. These products differ widely in what they cover, but the basic idea is that for a yearly fee, the place where you are buying the product will fix your purchase if it breaks or malfunctions. As with most financial products, the devil in the details, but the vast majority of the time, you should politely decline the offer.

Kraig @ Young, Cheap Living writes Why The Millennial Generation CAN Win – Is the millennial generation in trouble because of the economy or because of their urge to spend more than they make? This article proposes that young adults can win in spite of the economy.

Steven Zussino @ Grocery Alerts writes The Ultimate Guide to Father’s Day Gifts on Any Budget – Whether you plan to spend a lot or a little, below is a list of great Father’s Day gift ideas for any budget.

KT @ Personal Finance Journey writes How to Make Money While Traveling Around the World – I’ve read hundreds of stories about people who have made money while seeing all that the world has to offer while still making enough money to pay their bills.

Boomer @ Boomer & Echo writes What Are Segregated Funds (And Why You Should Avoid Them)? – Segregated funds consist of a pool of investments in securities like bonds and stocks, similar to mutual funds, but sold by life insurance companies.

Michael Kitces @ Nerd’s Eye View writes The Problem With Essential-Vs-Discretionary Retirement Strategies – A popular approach for budgeting retirement goals is to separate retirement spending into “essential” versus “discretionary” expenses – not unlike “needs” versus “wants” for accumulators – with the idea of using guarantees to secure the essential expenses, and less certain growth assets with some risk to fund the discretionary expenses. Yet in reality, even discretionary spending still constitutes an important part of a retiree’s overall lifestyle – the loss of which could be very psychologicall

J.P. @ Novel Investor writes The Best Stock Screener Tools Online – The best stock screener allows investors to quickly filter through thousands of stocks using their own unique criteria that matches their investment strategy.

Andy @ saving to invest writes Opening a Roth IRA for Your Non-Working Spouse – Can you open a Roth IRA for your spouse? This question comes up a lot among married couples with just one income. After all, one of the requirements for opening and funding a Roth IRA is earned income, right?

Roger the Amateur Financier @ The Amateur Financier writes Being Truly Prepared for an Emergency – Talking about one of the most important things you can do to prepare yourself for trouble as you save for retirement: creating an emergency fund to cover you during hard times.

Steven Zussino @ Canadian Personal Finance writes Finding a New Job When You`re Already in One – Some people say that it’s easier to find your next job when you’re already employed, but searching for new employment whilst you’re working for a different organisation comes with risks. So, how can you manage your job hunting without jeopardising your current position?

Thanks for stopping by, would feel great if you comment below.

Carnival of Retirement, Welcome to FPR Edition

Welcome to the most recent Edition of the
Carnival of Retirement
. If you want to submit a post for next week’s edition, please use this submission form. Next week’s edition will be hosted by Tackling Our Debt

This is the first Carnival I am hosting here at FPR. If you are visiting for the first time at this blog, you are most welcome. This is not your average day-to-day blog. It’s a specialist blog which reviews financial products and gives out a recommendation. Follow the blog and let us keep you be informed in the financial market place.

Glen Craig @ Free From Broke writes New Federal Regulation for 401k Fee Transparency Rules – As of January 2012, there are new 401k fee transparency rules in place to help those participating understand the fees and the funds themselves. See more about the new regulation.

Dr. Dean @ writes Killer Jobs: Do You Have One? – Is your job killing you, one keystroke at the time? What can you do when your job requires you to sit for long hours? If you can’t quit your job, then learn to work healthier. Live to enjoy retirement!

MMD @ MyMoneyDesign writes Would Dollar Cost Averaging Have Saved You From “The Lost Decade”? – The S&P 500 decreased by 23% during “The Lost Decade”. Would the strategy of dollar cost averaging have saved your investment portfolio from being reduced by this much? Let’s crunch the numbers and find out for ourselves.

Eddie @ Finance Fox writes 8 Tips to Save Money on Gas – If you’re looking for some ways to shave a few dollars off your household spend, one possibility is to spend less on gas, by following some of these fuel economizing tips.

Aloysa @ My Broken Coin writes My Mother Was a Mail-Order Bride – People often ask me how I came to the United States. Sometimes they give me an unpleasant smirk, wink at Beaker, my American husband, and say nothing but imply a lot. Sometimes they go as far as measure me up and down, and blatantly ask me if I was a mail-order bride.

Dividend Ninja @ The Dividend Ninja writes Dividend Fund Managers Are Buying Apple? – written by Hank Coleman Mutual fund managers are getting confused. It seems like more fund managers are deviating from their fund’s stated focus and suffering from style drift in order to own one of the hottest stocks of the past decade. More than 40 dividend funds have recently bought shares of Apple even though the company does not yet issue a dividend.

Jason @ Work Save Live writes Athletes That Went Broke & Wondering Why We Enjoy Their Downfall – The idea for this post came from an article I read online about Allen Iverson being the next big name athlete to go broke.

Pat Huddleston @ Investor’s Watchblog writes Investors as Muppets – A View from the Inside – An inside look at the investment industry-not something you particularly want to hear but the best thing for you to hear in order to protect yourself.

Kevin @ Thousandaire writes How To Turn Your House into Income – If you want to make some money off your house, consider renting out a room. That way you keep your place to live and make some money of it at the same time.

MR @ Money Reasons writes Your First Investment Should Be Fun And Exciting! – When you start investing, doing so in retirement accounts is a killjoy! This is why I didn’t follow the common knowledge when it came to my first investments

Hank @ Money Q&A writes Five Creative Ways To Fund Your New Small Business – So, what does a small business owner have to do to find funding for his or her business? Get creative to fund your new small business. It takes a lot of guts to run a small business these days.

101 Centavos @ 101 Centavos writes Prospect Generators in Mining – The Global Outsourcing Trend Continues – American Airlines is looking for partner airlines to manage flight route out of the U.S. Oil and Gas refining companies outsource their engineering,…

LaTisha @ Financial Success for Young Adults writes I Graduated, but Don’t Have a Job – Are you a recent grad without a job? This post has tips on how to land a job after college graduation. Smart networking tips for recent graduates.

Steve @ Money Infant writes Getting Back on Track After a Financial Train Wreck – It took ruining my marriage and the destruction of my credit to get me to realize how I was managing my finances was unsustainable.

SFB @ Simple Finance Blog writes Choosing The Right Life Insurance – Buying Life insurance is an important choice that many people delay because of the overwhelming amount of options and lack of facts.

Suba @ Broke Professionals writes Five Things You Must Know About Freelancing – Freelancing can be a path to professional freedom, but if you’re not careful, life as a freelancer can complicate your finances.

Jeffrey @ Money Spruce writes Life After Quitting Questions Answered: Saving, Business-Building and More – Planning to quit your job means there’s a lot of things to think about first. Here some of those things you need to consider.

Michael Kitces @ Nerd’s Eye View writes In Defense Of The 70% Replacement Ratio In Retirement – As prospective retirees struggle to figure out how much money they need to accumulate in order to retire, a key assumption is what anticipated spending will be in retirement. After all, the more spending that must be supported, the more assets that may be necessary (in addition to other income sources) to support that spending. Historically, a popular “rule of thumb” was to assume a replacement ratio of 70% to 80% in retirement, although in recent years this guidance has been lambasted by planne

Jon the Saver @ Free Money Wisdom writes Buy Disability Insurance or Go Broke! – Disability insurance is a topic that most people don’t know much about. It can protect your income in times of crisis during your life!

Daniel @ Sweating the Big Stuff writes Are Company Sponsored Trips The Best Perk Ever? – My favorite perk at my job has been half day Fridays. Recently, I went on a ski trip and to a shooting range with the company. Which perk is better?

Jeremy Waller @ Personal Finance Whiz writes Credit Cards Are Dangerous: The Psychology Of Paying With Cash – Over the years I’ve discovered that knowing how to manage your money is only 20 percent of the picture. The biggest part, by far, is the mental battle. If I could sit down with you for 1 hour I could teach you everything you need to know to budget your money, pay off debt, invest and retire well…

Crystal @ Budgeting in the Fun Stuff writes In Praise of Hand Me Down Toys – I’ll admit it. I’m a cheap (but proud!) Aunt. One of the older nieces hands down her toys to the youngest via me.

YFS @ Your Finances Simplified writes How Friends Can Ruin Your Finances – Have you ever had the kind of roommate that eats everything in the fridge even though he didn’t buy the groceries, or come up short on rent and ask you to cover for him? Most guys are familiar with the slacker roommate or flakey friend who is always a …

A Blinkin @ Funancials writes Friends Don’t Let Friends Ignore Inflation – Lets say you have two friends. One of your friends keeps stealing money from the other. Wouldn’t you feel an obligation to warn your one friend about the other? Of course you would! It’s the same obligation I feel when I think about your money and inflation.

John @ Married (with Debt) writes Stress at Work? Take an Office Vacation – Experiencing stress at work? Find out how to reclaim part of your day and take a vacation in your office. It’s not hard.

Amanda L Grossman @ Frugal Confessions writes Keeping All Your Eggs in One Basket is Risky – My sister and I used to gather eggs from our henhouse for breakfast.

KT @ Personal Finance Journey writes Money Saving Tips when Hiring Movers – If you are like me, you detest moving. I stayed in an apartment two years longer than I should have because I so dislike the moving process. Still, most Americans average 11 moves in a lifetime. If you are planning to move soon, take advantage of these tips to save money hiring movers: Check Yelp.com.

Wayne @ Young Family Finance writes Eating Healthy Can Save You Money – Believe it or not, eating healthy can save you money. Find out how by reading this article.

Jester @ The Ultimate Juggle writes How to Get a Second Job – Find out what you should consider when selecting your second job. Don’t jump in without considering these options.

Shaun @ Smart Family Finance writes Should Families Buy a House or Rent an Apartment: The Risks of Homeownership Compared to Renting – Understanding the risks of homeownership can also help you implement strategies to reduce those risks.

Ashley @ Money Talks Coaching writes Why the Roth is Better Than a Traditional IRA – The difference between Traditional IRAs and Roth IRAs are taxes.

Daisy @ Add Vodka writes Six Annoying Work Personalities We Could All Do Without – Since being thrust into the office work world in March 2011, I’ve noticed some pretty annoying office behaviours that I think are both mind-blowingly aggravating as well as comical.

PITR @ Passive Income To Retire writes Can only the Rich Retire Early? – Who can afford to retire early? Popular media may suggest it is the rich, but I think you will be surprised to find out who it really is.

Corey @ 20s Finances writes My College Mistakes Everyone Should Avoid – My college experience was a blast and I learned a lot of financial lessons the hard way. I believe college students grow and mature faster as college students then most other times in their life. Students arrive on campus pumped up for all the good times to come, so oblivious to their responsibilities.

FG @ Financial God writes How Kickstarter and the Point Are Great Ways to Give to Others, and Sponsor Some Really Cool Projects – Have you ever used Kickstarter or The Point before? These are a couple of pretty cool websites that are changing the face of charitable giving, and encouraging entrepreneurship by making it easier to support projects and sponsor creative works of art. The way that these sites work is that you “pledge” your support for certain projects.

Corey @ Steadfast Finances writes What are the Political Risks of Your Retirement Plan? – Is your retirement plan secure? Find out if it is at political risk.

krantcents @ KrantCents writes The 3 J’s of Success – The 3 J’s of Success is the tenth in a series of articles to help you reach your goal.

Tushar @ Start Investing Money writes Why Do Companies Have IPOs? – Read about the reasons why companies have IPOs. If you were every curious, here are the reasons.

Ryan @ Early Retirement Investments writes Common Sources of Retirement Income – There are many sources of retirement income! See if you are considering the ones that I have on my radar.

Don @ MoneySmartGuides writes Using Your HSA as A Retirement Account – As the price of insurance continues to increase, Health Savings Accounts (or HSA’s) are becoming more and more popular.

Paul Vachon @ The Frugal Toad writes Deciding When to Retire – How to Access Retirement Funds Penalty Free – A common misunderstanding of individuals contemplating when to retire is that you can not access your retirement accounts until you are at least age 59 1/2. You may be surprised to learn that there are ways to withdraw funds from your retirement accounts before age 59 1/2 and avoid paying the 10% early withdrawal penalty.

Kyle @ The Penny Hoarder writes How to Get Paid $200 a Month Testing Websites – Website testers are paid $10 to record their opinions of a website’s appearance and ease of use. It’s a pretty easy job and there a number of firms currently hiring…

Luke @ Learn Bonds writes 10 Year Treasury Going to 1%? – Bond fund manager Robert Kessler making the case that the end of the bull run in treasuries is not over, and in fact could have a lot farther to go. Here are his main points…

Jen @ Master the Art of Saving writes How to Setup Daily Transfers at ING Direct – After mentioning numerous times that I setup daily transfers to help us save money, I figured it was time to share how to do it for those who don’t already know as well as any easy way to keep track of them. It’s quick, easy and a great way to get started saving money.

Boomer @ Boomer & Echo writes Pros And Cons Of Holding Your Mortgage In Your RRSP – One investment that is eligible to be held in your RRSP is your mortgage. You need to have enough cash, or assets that can be converted to cash, and hold your mortgage in a self-directed RRSP. You then make your mortgage payments to the RRSP instead of a financial institution.

Glen Craig @ Free From Broke writes Grow Your Nest Egg with Automatic Retirement Contributions – A great way to grow your nest is, or your retirement fund, is to set up automatic retirement contributions. See some ways that you can do this to get on track to retiring.

J.P. @ Novel Investor writes Financial Emergency Kit: Are You Prepared? – Emergencies happen every day. But when the impossible happens, will you be ready? Having a financial emergency kit will make a big difference if the worst should ever happens.

Ken Faulkenberry @ AAAMP Blog writes How to Protect Yourself From Investment Fraud, Scams, and Schemes – Avoid investment fraud, scams, and schemes by watching for warning signs and implementing principles and solutions to protect yourself.

Emily @ Evolving Personal Finance writes Why You Should Save for Retirement While In Graduate School Part 2 – Three non-mathematical arguments for saving for retirement while in graduate school, including “treat it like the rest of your life” and “don’t bank on your best hope of what the future will entail.”

Sicorra @ Tackling Our Debt writes Let’s Talk Money – The Series – A weekly written interview with other personal finance bloggers who share personal information about themselves and their views on spending money, making money, budgeting, etc.

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