Carnival of Retirement

| December 10, 2012 | 50 Comments

It’s gonna be another busy week, and I say this partially because I double-blog-booked myself today and didn’t realize until this weekend! I’m hosting the Carnival of Retirement today, plus I’ve got another post which I will publish a little bit later on giving away a frickin’ iPad! Yay for the holidays! Remember, if you want to be included in the next Carnival of Retirement, sign up at Blogger Carnivals. Cheers!

Steve @ Grocery Alerts writes Holiday Savings Tips by Top Personal Finance Bloggers – The Holidays are sneaking up on us and I wanted to find out from some of the top Personal Finance Bloggers, their best tips for saving around the holidays.

Jacob @ My Personal Finance Journey writes Seven Simple Tips For Smart Investing – Many people are afraid to invest because they believe that investing is complicated and that the only people that make money investing are the people that have a lot of experience with it. Fortunately, this is not true. This post illustrates some simple tips that you can use to become a smart investor.

James Petzke @ This Is Common Cents writes The Only Real Get Rich Scheme – There is a get rich plan that actually isn’t a scam.

Rohit @ The Money Mail writes Simple budgets work better – Making a budget can be a lengthy and boring process. Use this new simple budget template that is easy to modify. Just plug in the numbers and you have a simple budget ready for your use.

Roger Wohlner @ The Chicago Financial Planner writes 4 Retirement Savings Steps to Take Now – For those of you saving for retirement here are four timely and timeless tips.

Pauline @ Reach Financial Independence writes Being outside of average – This is a guest post from the Outlier Model, about dreams of early retirement and required sacrificed to get there

Lance @ Money Life and More writes 2013 Standard Mileage Rates Announced by IRS – The IRS has released the new standard mileage rates for 2013 that many companies use to reimburse you for business miles driven on your personal vehicles.

Peter @ Bible Money Matters writes Betterment Updates Their Site to Give Better Advice, Enhanced Reporting and Better Site Performance – Betterment has recently made some improvements to their site resulting in more data, better reporting and advice and a faster loading site. Nothing to be unhappy about there!

Evan @ My Journey to Millions writes Taxes on Dividend Income Could Rise as High as 43.4% After the Fiscal Cliff! – The media has been inundated with the Fiscal Cliff recently, however, I am shocked how little attention the increase in taxes owed on qualified dividends has received. As it stands today, dividend income could rise from 15% to as high as 43.4%!

Harry Campbell @ Your Personal Finance Pro writes A Review of My Experience With Car2go San Diego: A Car Sharing Service – Although Car2go hasn’t reached every major city yet, there is probably some type of car sharing service available in your local metropolitan. Whether it’s Zipcar or some other service, the idea of car sharing has really taken off over the past couple years. I’m pretty intrigued by the whole idea because less cars on the road is better for the environment and traffic congestion. This is pretty important for a city like San Diego with millions of people and no viable public transportation

Passive Income Earner @ The Passive Income Earner writes Dividend Stock Analysis: Canadian National Resources (CNQ) – Dividend stock analysis of Canadian National Resources (CNQ)

Suba @ Broke Professionals writes In Today’s Workplace, Is There A New Normal? – I’ve never had an average workday, but now that I freelance, I don’t have a traditional workplace either. I’m not the only one. Is this the new normal?

Ted Jenkin @ Your Smart Money Moves writes Should You Pay Off Your Mortgage? – One of the more difficult questions that I get from both younger and older people alike is whether or not it is a good idea to pay off their mortgage.

SFB @ Simple Finance Blog writes The 4 Most Popular Ways To Save For Your Child’s College Education – This article will discuss four ways to invest and save for your children’s college education. These strategies include 401k, ROTH IRA, 529 plans, & ESA.

Daniel @ Sweating the Big Stuff writes 5 Things We Need To Buy, But Hate To Spend Money On – There are things that just about everyone spends money on, whether we like to or not. Here are the 5 worst offenders in my book.

Jon the Saver @ Free Money Wisdom writes How To Pay Your Credit Card Off Faster – Paying off a credit card is not fun. In fact, it can be quite painful! Don’t let it hinder your future, take these steps to conquer your debts!

Crystal @ Budgeting in the Fun Stuff writes Unprepared – I like to think of myself as being financially knowledgeable. But we are unprepared.

SBB @ Simple Budget Blog writes Stop Living Paycheck to Paycheck – Are you having difficulty saving extra money? Are you sick of living paycheck to paycheck? Find out how to improve your life with a budget.

Lazy Man @ Lazy Man and Money writes Asea Scam? – Some of people who analyzed MonaVie and determined it’s expensive fruit juice did some research and found out that ASEA was expensive salt water. I knew that I had to write about ASEA.

CAPI @ Creating a Passive Income writes Passive Income: Cashing in on Publishing Royalties – Find out how to generate passive income buy publishing writing.

Deacon @ Well Kept Wallet writes Get Cash Back Using a Debit Card – Most people don’t realize that they can get cash back by using a debit card. Every day people make purchases with their debit card and never get anything in return. That is about to change. There is a bank called Perkstreet where you can get up to 2% cash back on your purchases. Kim and I have been using it for about two months and love it.

Ashley @ Money Talks Coaching writes Job Transition – My family is going through a small job transition right now. If there is such a thing. My husband’s company got bought out by another company.

Bryan @ writes Types of Insurance For Homeowners – Consumers are well-aware of auto, health, life, and home insurance, but what about the other, less common types of insurance most Americans use at some point? We cover the importance of title, mortgage, liability, umbrella, earthquake, and flood insurance.

Tushar @ Start Investing Money writes What Are the Top 5 Commodities Exchanges? – Just as stocks and shares are traded on the stock exchange, so commodities are traded on a commodities exchange. Commodities may be viewed as tangible items, mainly those that are derived from agriculture.

Miss T. @ Prairie Eco Thrifter writes Adult Children Living at Home – How to Approach It – With the economy showing no signs of a quick recovery, chances are that even more parents will have their adult children living at home with them again. But with open and honest discussions about expectations and goals prior to move-in, it is possible for these “boomerang kids” to make a successful transition back under their parents’ roof and then back out into the real world.

Emily @ One Smart Dollar writes Not All Bills Help Rebuild Credit

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes 7 HOLIDAY SHOPPING TIPS – Shopping tips to have a great holiday. How to enjoy the season and avoid debt.

Jester @ The Ultimate Juggle writes Secrets To Santa’s Success – In my recent interview with Santa, he revealed to me the elements that makes him a huge success.

Roger the Amateur Financier @ The Amateur Financier writes Eight Ways to Save During the Holidays – Eight suggestions for how you can keep your costs to a minimum during the holidays, while still have a great time and giving out plenty of presents.

Cash Flow Mantra @ Cash Flow Mantra writes Buried My Father Last Week – When we looked at my mom’s budget, it worked as long as my dad was alive. Now that he is gone and loses his pension and social security, her budget will be somewhere between $500-$1000 short per month. Looking at that kind of burn rate, she could probably make it for 15-17 years.

Mike @ Personal Finance Journey writes Four great ideas to use a Big Screen for an Autumn Festival or Company Function – Four great ideas to take advantage of Autumn weather, keep the kids entertained or plan your Company Function in a fun unique way.

Jen @ Master the Art of Saving writes Things I Didn’t Expect About Buying Our First House – I didn’t really know anything at all about buying a house when we jumped into it. Sure I had a general idea about how things would go, but that’s pretty much…

A Blinkin @ Funancials writes How Are You Affected by the Mortgage Interest Tax Deduction? – Interest deductions, in general, began in 1913. At this time, the majority of Americans paid upfront for their homes rather than financing so the deduction wasn’t highly utilized. The deduction, which included interest paid on personal loans and credit cards, was later revised in 1986 to exclude these items.

Invest It Wisely @ Invest It Wisely writes Weekend Reading, November 2012 Edition – Weekend reading edition, I hope you enjoy!

Little House @ Little House in the Valley writes Who Said Paying Bills Isn’t Fun? – Ever since I’ve gotten myself in the habit of tracking our income, expenses, and recording every penny, paying bills has actually become…dare I say….. fun.

Teacher Man @ My University Money writes Get Your Parents To Buy You a House! – To most parents, buying a house for their 18-20 year old son or daughter to manage as a rental property as they go through school seems like a …

Joe @ Midlife Finance writes Are You Making Financial Headway? – It’s not a bad idea to take stock of your financial decisions this year — even if most of them were unplanned.

Steve @ Ready To Quit My Job! writes Why You NEED to Quit Your Job RIGHT NOW! – The days are gone forever where you went to college, got a job that was not personally rewarding, worked at the same place for 40 years, retired and then got bored, depressed and finally died.

Josh Thompson @ Becoming Your Own Bank writes Alternative Investments – Alternative investments to stocks, bonds, mutual funds, and government sponsored plans.

Young @ Young And Thrifty writes How The Canadian Banks’ Spending Spree Affects You – The recent headlines that smack of patriotic pride concerning Canadian banks buying up distressed financial assets in the USA over the past few months have been interesting to say the least. I don’t know a heck of a lot about corporate finances at the highest levels, or even what metrics these guys are using in order to gauge if these acquisitions make sense or not. Anecdotally though, as a Canadian citizen, I think I should be interested, and possibly even concerned about these goings on, e

Maria @ The Money Principle writes Top Errors People Make When Looking For Car Insurance – Loyalty is a great thing but not when looking for car insurance. Be informed, ready to switch and truthful to come top trumps in car insurance.

Investor Junkie @ Investor Junkie writes Investing in Vacation Properties – We don’t normally think of vacation properties as investments, but at certain times and under certain circumstances, they can be one of the best investments you can make. This can very well be one of those times.

MR @ Money Reasons writes An iPad Mini For Christmas – Why and iPad mini for Christmas? This article is why I’m buying my daughter an iPad mini for Christmas but not one for myself.

TDB @ Tax Deduction Blog writes How to Get the Most Out of Your Flexible Spending Account – Check out this article for tips and tricks on how to get the most bang for your buck with your flexible spending account before it’s too late.

Don @ MoneySmartGuides writes Ways to Get a Personal Loan – I recently posted an article about things you should know before borrowing money.

Hank @ Money Q&A writes Should You Work For Yourself? Things You Should Consider – Should you work for yourself? There are many things that you must consider before you make that leap. There are questions that you need to ask yourself before you go.

Jason @ Work Save Live writes Secured and Bad Credit Cards – Whether you are looking to build credit for the first time, or you have bad or fair credit, it is difficult to find a company that will agree to loan you money. Fortunately, there are specific bad credit credit cards that have been created to help in these situations.

Michelle @ The Shop My Closet Project writes Whole Paycheck-Buying groceries without breaking the bank – In this fast paced life we live, it is easy to throw a meal in the microwave take it out and that’s it. Quick, fast, and easy. For me this isn’t an option. Why? Because I live to eat. I don’t eat to live. But I don’t want to go broke going to the grocery store.

Kyle @ The Penny Hoarder writes Know Your Options in a Financial Emergency – You’re going to need some money, and sometimes that need can come up at the worst possible time. All across North America and Canada families find themselves short of cash with days or even weeks to go before the next paycheck comes in.

Jeff Rose @ Good Financial Cents writes Retirement Contribution Savings Credit – The retirement savings contribution credit often referred to as “The Saver’s Credit” can be a great way for middle and low income people to save a lot of money on their taxes.

Amanda L Grossman @ Frugal Confessions writes Hidden Fees Make Rental Car Quotes Bogus – I have rented a car three times in my life. The first was on a memorable first business trip to Fargo when I was 23 (a difficult feat, as rental companies get

Corey @ Steadfast Finances writes Best Holiday Gift Ideas – Find out why giving experiences as gifts is the better alternative to buying lots of stuff this holiday season.

J.P. @ Novel Investor writes Year End Tax Tips For 2012 – The end of the year is a great time to start your tax planning. Get a head start on your tax savings with these year end tax tips.

Daisy @ Add Vodka writes Just Add Beer – Many Uses For Beer (Other Than Drinking) – Read about the other fascinating uses for beer other than just consumption.

Matt @ Dividend Monk writes Financial Freedom: The Accelerated Version – A comprehensive article about being in a position to retire very early and/or increase your flexibility to do work you love.

IMB @ Investing Money writes Keeping Management Fees Low – Find out what fees you can expect and how to keep management fees to a minimum.

krantcents @ KrantCents writes How to Shop for the Holidays – Have you started to shop for the holidays? Here we are again, the holidays are here and the day after Thanksgiving is the official opening of the season. A couple retail stores are talking about starting on Thanksgiving. This confirms we are a consumer oriented country! I know some of you have started already.

Rich @ Growing Money Smart writes Afraid of Success – Every think about why you are not rich, or why you’re not trying to make more money? Perhaps you are afraid of success? Read how to overcome this fear.

Eddie @ Finance Fox writes What was Your First Job? What Did You Take Away From It? – What was your first job? What did you learn from your first job? Here’s my story on my fist job and hopefully you can share a story on your first job.

Jennifer Lynn @ Broke-Ass Mommy writes Festively A Minimalist – Being a minimalist is great! Read why

Luke @ Learn Bonds writes Investing in International Bonds – I would like to mention a few ETFs worth exploring if you plan to venture into the world of investing in international bonds.

Michelle @ See Debt Run writes Home Depot Extended Warranty Trouble — A Company Steps Up – When we purchased the extended warranty with a home depot fridge, we expected it to cover repairs. When our claim was denied, we escalalated to HD corporate.

John @ Frugal Rules writes Why Rebalancing Your Portfolio is Like Buying a Carton of Eggs – Portfolios, much like eggs can be damaged for numerous reasons. You also want to make sure you have a well balanced portfolio, just like you want a well-balanced diet. Part of a balanced portfolio is rebalancing it annually to make sure you have the best allocation possible.

Philip @ PT Money Personal Finance writes Habitat for Humanity: A Great Way to Volunteer Your Time – Not only is Habitat for Humanity a great organization in which to volunteer your time, the partnerships they make with the homeowners result in a quality organization in which to support.

(Image: asslewin/rgbstock)

Category: Carnival

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  1. I am French and bought a flat in the UK four years ago. I don’t live there anymore but it is smoothly rented and all the bills and mortgage are automated. I thought about buying in the US when I saw those amazing bargains, as I could really picture myself living there for a few years. If the immigration laws weren’t that strict. I think for Canadians it is easy though.

    • Well I don’t know if it’s easier for Canadians to immigrate necessarily, but it’s not impossible. But I do know it would take a long time to actually go from deciding to buy US property to physically owning it.

  2. We have never thought about it, just because if we were to move abroad it would only be for a year or two. We also wouldn’t want a vacation home because we like to travel all over not just go to one location.

  3. Michelle says:

    I’ve never really thought about it, mainly because I live in a low cost living area already.

  4. When I was growing up, lots of people had places in Birch Bay and on the lakes just south of the BC border. Apparently a co-worker and his parents bought a place in Phoenix for a song… like paid cash because it was $50K or something!

    • OMG! And I hear Arizona is really nice and hot! I went to Birch Bay just a month ago or so for a mini-vacay and ya some of the houses are super nice and not that expensive. It’s also really nice there. Not a lot to do but if you have a car it’s no big deal.

  5. MyCanuckBuck says:

    A little bit – but I think I just worry if I wasn’t around, what would happen to the place. My parents already have a cottage, and it often gets broken into in the winter..sigh..

    • That’s true. I guess if it was a rental property having a rental management company to take care of the place would be a good idea so they can keep an eye on it. And if it’s a vacation place, I guess that’s just part of the risk of owning a place where you don’t live.

  6. John S @ Frugal Rules says:

    We’ve never thought of buying a foreign property right now as it would not fit in with our family situation. When our kids are older and on their own we’d definitely think of it.

  7. Jordann says:

    I’m faced with that issue when it comes to where I’m going to live. In fact, that’s one of the reasons I moved back to rural country. A house with green space would’ve been impossible to come by in the city I was living in, unless I went on to do my MBA or law school. I’ve never considered foreign property, but I’ve definitely considered buying property in cheaper areas and living there part time.

  8. Ha, if you’re serious about buying a condo in Miami – send us an email before you do! Though there were some deals there for a while, recently prices have gone up A LOT – and there are a lot of things you need to be aware of before you buy a condo in FL right now. It’s one of the reasons we stayed far away from condos and bought only properties where we own the land and the walls as well as everything inside!

  9. I think I was born in the wrong country haha

  10. Liquid_Independence says:

    Sounds like you’ve done your research :0) I’m thinking about buying a property too, and like yourself, am looking outside of Vancouver. I think for a long term perspective we should invest in areas of economic growth and population growth potential. I’ve looked at buying in Seattle before. And what about Alberta or something? Prices and volume of sales in Calgary for example are still going up compared to last year, unlike around here where the market is cooling off.

  11. DebtsnTaxes says:

    My buds just bought 3 houses in Florida in the past year. The amount of money he paid for them is just ridiculous. I think he averaged like 65% off of the last purchase price. It’s amazing to see some of the great deals out there right now.

  12. holly says:

    I would love to buy a beach house in a foreign country!
    I live in the U.S. in the midwest and a lot of property is downright cheap here.

  13. Marissa says:

    My family owns property in Florida, and it was pain to buy, but totally worth having a family vacation spot set.

  14. Well don’t come to California that’s for sure! It’s crazy to think I could probably buy a house in Michigan for cash in some areas. It’s really imbalanced. Then again, if Cali was cheaper it would be even more crowded. Vancouver is a beautiful city…but yes it’s expensive. And to think..I used to shop in Vancouver ALL the time when I lived in Seattle because our dollar went farther there.

  15. The Shop My Closet Project says:

    Florida is a great bargain for people who have the resources to manage the property off-site. I have been looking at properties for awhile now (in Miami) and am preparing to buy in a couple of years. The key for me is having a great management company and not getting hit with crazy HOA fees. I say go for it!

  16. Guest says:

    You could definitely buy an affordable house in Canada too, you don’t have to go to the US! You just have to get out of the major cities. You can get 3 bedroom houses with huge yards for under 100k in Nova Scotia. It just depends where you live. When my BF and I buy we won’t be right in the city (Halifax) because of that. I’d rather have to commute 30 minutes than raise my kids in a condo (when I have any, I’m many years from that right now!)

  17. Zoe says:

    You could definitely buy an affordable house in Canada too, you don’t
    have to go to the US! You just have to get out of the major cities. You
    can get 3 bedroom houses with huge yards for under 100k in Nova Scotia.
    It just depends where you live. When my BF and I buy we won’t be right
    in the city (Halifax) because of that. I’d rather have to commute 30
    minutes than raise my kids in a condo (when I have any, I’m many years
    from that right now!)

  18. holly says:

    Thanks for co-hosting! Have a great week!

  19. John S @ Frugal Rules says:

    Thanks for co-hosting!

  20. Yay another ipad giveaway!! I WILL win this time! :)

  21. You guys are awesome for doing all these giveaways! :)

  22. Thanks Jessica, and everyone else who has made it possible for all of us to participate in a festive giveaway just in time for the Holidays!

  23. cranny says:

    Thanks for having these contests! My fingers are crossed in hopes of winning :)

  24. Savvy Scot says:

    Jess… I need you to fix this so I win :D ok?

  25. Kelly Christie says:

    Definitely entered! Fingers crossed since mike left his ipad on the roof of the car overnight… definitely got stolen.

  26. Liquid_Independence says:

    This giveaway is going really well so far. Thanks for co-hosting :0)

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