Carnival of Retirement

| July 8, 2013 | 2 Comments
Today I’m hosting the Carnival of Retiement ( To submit your article to the next carnival visit Blogger Carnivals.

Michelle @ Diversified Finances writes Should you get rid of all debt for financial independence? – Debt doesn’t always mean the same thing for everyone. Some categorize debt as good or bad and place a lot of value on interest rates. Some think that all debt is bad and must be paid off. So does a person eliminate all debt before they declare that they are financially independent?

Michelle @ Making Sense of Cents writes Are you spending more? Better off today than before? – I keep seeing articles about how the economy is rebounding. It sure does seem like it is: home sales are rising, people are buying cars, more people are going out to eat and so on.

Emily @ Evolving Personal Finance writes When We Were Just Starting Out – I wish I had started blogging years ago for a better record of how we went from paycheck-to-paycheck to a respectable net worth for our age. In lieu of that record, here is our best advice for a young person just starting out.

Michael Kitces @ Nerd’s Eye View writes AXA And Hartford Prospectus Changes A Troubling New Trend For Existing Variable Annuities – Over the past decade, variable annuities with guaranteed retirement income riders were increasingly popular as a tool for retirement planning. However, recent changes from several annuity companies that are trying to reduce their exposure to the guarantees have put new burdens on annuity owners to be more diligent than ever to read the fine print of updated materials, or risk losing their guarantees altogether!

Michael @ Dividend Growth Investing & Retirement writes A Craving For Pad Thai & My June 2013 Dividend Income Update – The dividend income I was paid in June 2013. I track my monthly dividend income as a way of keeping me on track towards financial freedom.

RJ Weiss @ The Insurance Protection Blog writes 11 Ways To Prevent Your Identity From Being Stolen – 11 Simple ways to protect your identity, to protect your credit

Ray @ Squirrelers writes 5 Financial Lies People Tell Themselves – Whether it’s blind optimism, avoiding problems, or simply entitlement, people often tell themselves financial lies. This post discusses 5 of them.

Gary @ Gajizmo writes Highest Paying Jobs in America – A potentially high salary can be a very compelling reason to take up a specific college degree or occupation. Though CEOs regularly get criticized in the news for excessive compensation, accordingly to the BLS, there are other careers that average higher pay. Here is a list of the highest paying jobs, job requirements and descriptions, average salary figures, and the number employed in the field.

Dividend Growth Investor @ Dividend Growth Investor writes Dividend Growth Investing is a Perfect Strategy for Young Investors – One of the most common misconceptions about dividend investing is that it is not a good strategy for building your nest egg, and therefore it is not suitable for younger investors. Being a youngster myself, I (not surprisingly) disagree.

Amanda L Grossman @ Frugal Confessions writes My 7 Favorite Frugal Hacks – I have been in the business of frugality for many years, starting in my early teens when I began to earn and manage my own money.

Jacob @ AllPersonalFinance writes Upside-Down on Your Home? Five tips to help – It has been estimated that anywhere between 10 and 25 percent of all homeowners are currently underwater on their homes. This data means a significant portion of Americans owe more on their homes than they could sell them for. If this situation sounds familiar, you’re probably wondering what your options are. Here are five ways.

Tushar @ Start Investing Money writes $1,000 Bonus: Should You Spend Or Save? – We all like the idea of getting a bonus injection of cash, wherever it might come from. While it may not happen too often, this fact in itself means when it does come, it can result in some troubling questions.

DW @ Great Passive Income Ideas writes How To Make Money On The Side In Five Easy Ways – Using the Internet has never been easier if you’d like to find out how to make money on the side and exceed your current standard of living.

MMD @ IRA vs 401k Central writes Taking Full Advantage of Your 401k Employer Match and Getting Free Money! – Not participating enough to get the full 401k employer match is like leaving money on the table. And why would you want to pass up FREE money?

Minimalist @ Minimalist Finance writes Should You Cut Coupons? – Should You Cut Coupons? has been published on Minimalist FinanceCoupons have been around forever, and they can be a good way to find savings on everyday products. Coupons used to have a stigma attached to them, but there has been some recent media attention on the power of coupons.

SBB @ Simple Budget Blog writes Reintroducing Yourself to Your Budget – Having trouble managing your budget? We all make mistakes. Read here for tips on how to get back on the budget horse when you fall off.

MMD @ My Money Design writes Understanding the PE Ratio Formula and Why It’s Such a Popular Stock Metric – Even though there’s not much to the PE ratio formula, its importance is warranted because it can reveal a lot about the investors’ belief in the company’s future.

Robert @ The College Investor writes Is Lifestyle Inflation Inevitable? – One of the facts of life that we tend to gloss over sometimes is that our salary determines our spending. Well, unless we are spending like we are one level up in our jobs, in which case, we need to knock it off as soon as possible and start getting our spending in order!

John @ All Things Finance @ All Things Finance writes Will Mortgage Interest Rates Keep Rising and How Does It Affect Me? – Mortgage Rates Surge to 4.625%, Largest Weekly Increase in 50 Years! So What Caused This? What is the Impact of Rising Rates on Buyer Affordability?

Ted Jenkin @ Your Smart Money Moves writes Entrepreneur Series – Lesson 3 – Know Your Role As The Owner – As an entrepreneur starting a new business, you often have to wear the hat of cook, dishwasher, accountant, and general manager.

IMB @ Investing Money writes Why the Sudden Jump in Mortgage Rates? – Mortgage rates that had remained stable jumped ½% to 4%. Did we hit bottom for mortgage rates? Several factors are at play when we try to find answers.

Crystal @ Budgeting in the Fun Stuff writes Even Meat is Negotiable – Everything is negotiable. Even frozen meat. Have you ever bought anything off of a frozen meat truck? I hadn’t either until last November and yesterday.

Kyle @ The Penny Hoarder writes Millions of American Homeowners Could Refinance and Save with HARP – An estimated 2.7 million American households could refinance to today’s mortgage rates (which are near historic lows, in case you haven’t been paying attention) through the gov’s HARP program.

Daniel @ Sweating the Big Stuff writes Cheap Date Series: Flask At A Bar – Here’s a cheap date story of a guy who left a bad first impression and made the girl pick up the tab!

Hank @ Money Q&A writes Your Credit Rating: Knowing How It Works And How To Improve It – Applying for a mortgage, personal loan or even some credit cards can take a while.

Suba @ Broke Professionals writes We Bought a House! 5 Tips If You’re House Hunting, Too – It’s been a long time coming, but we finally bought a house. But the housing market isn’t what it was five years ago; here’s how to navigate today’s market.

Ryan @ Cash Money Life writes Top 7 Common Investing Mistakes to Avoid – Even smart investors make mistakes sometimes. We show you the most common investing mistakes to avoid, helping you grow your investment portfolio.

Corey @ 20s Finances writes The Best Conservative Investment Portfolio – Conservatism generally follows a short-term need for funds. Seniors have conservative investment portfolios because they will withdraw funds each year to buy essentials. 20-somethings saving for a home use conservative savings accounts or CDs because they intend to use the funds for a down payment in the future.T

Maria @ The Money Principle writes Does your money nourish your life? – Does money nourish your life? This article suggests three strategies to make sure that it does.

Debt Guru @ Debt Free Blog writes Using My 401k Now: Is it Possible? – One of the most common questions that people ask concerning their 401k is whether they can take out the money in it and use it. It’s something asked not just by those who are about to retire but even those who have a long way to go. It is not surprising that a lot of people would be wondering about it since the money in the plan is their own.

Adam @ Money Bulldog writes The Patent Shuffle ~ Make Money from Patents – : Find out how one company was able to sue Apple for around $8 million dollars due to patent infringement and also discover how you could one day do the same! Do You Have a Great Idea?

Adam @ Money Rebound writes Realistic Ways to Slash Your Student Loan Debt – If you’re currently struggling to pay down your student loans, here are some ways you can do so without resorting to any extreme cheapskate behaviours.

Jason Hull @ Hull Financial Planning writes Sacred Cows Make Great Burgers – My amazing, mouth-watering, make the family beg for more hamburger recipe. Oh, and I also debunk a whole lot of personal finance myths.

CAPI @ Creating a Passive Income writes Why Spending Less Than You Earn Will Save Your Life – There are benefits for someone spending less than they earn: they have the money needed for paying their bills and they’ll be able to plan their finances.

Jon Haver @ Pay My Student Loans writes Cedar Education Consolidation Review Body – The purpose of consolidation loans is to absorb multiple loans under the single and unified umbrella of one loan. The greatest benefit of consolidating is in the aggregation of multiple monthly payments into a single monthly payment. There is no guarantee that consolidating multiple loans into a single loan will bring down the interest payment.

Wayne @ Young Family Finance writes Tips for Starting An Online Business – If you have considered starting your own online business, you probably have many questions on how you should start the process. There are many online businesses that are thriving, so starting one shouldn’t be too hard. Starting one that works, however, is a different story. A few tips and tricks can help you make the most out of your online business.

Luke @ Learn Bonds writes Misinterpreting the Fed is Creating a Buying Opportunity in Bonds – In Thursday’s article, “Hey Bernanke, What Are You So Afraid Of?” I noted that the current consensus for a rate hike in 2015 presupposes a pickup in econom

Matt Becker @ Mom and Dad Money writes Is Now the Right Time to Buy a House? – Housing prices and interest rates are up. For those of us hoping to purchase a home in the near future, this is a scary trend. Is it time to jump in and buy before it becomes unaffordable?

Christine @ CO123 writes Edible Arrangements Coupons, Coupon Codes – Summer is here and the get-togethers, family reunions, birthday parties, and weddings are just beginning. Regardless of the event, Edible Arrangements can be amazing center pieces or decorations as well as delicious fruit desserts. Check out Edible Arrangements coupons to see how you can save on these creative and delightful fruit bouquets.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes WEALTH IN LIFE AND DEATH – The rules of wealth include living life fully. Lessons learned from loss.

Tony @ We Only Do This Once writes How Much is Really Necessary? – I feel lucky to have the chance to ditch my stuff and live simply. I always return home and try to bring the simplicity back with me. I have a lot more to do, but it’s the process that I enjoy, and I’ll keep trying.

Nick @ A Young Pro writes How Much Money Should You Spend on a One Year Old’s Birthday Party – How much would YOU spend on your one year old’s birthday party. We recently went to a crazy party and I’m wondering why we feel the need to spend so much.

Tushar @ Finance TUBE writes Step-by-Step Debt Elimination – Elaine McPartland of talks to us about simple steps we can take to work towards eliminating our debt. Leave feedback via comments and find Elaine on Google+. When you have a debt problem, it’s imperative that you make every effort to eliminate the debt overhang as quickly and efficiently as possible.

John @ Card Hub writes Are New Credit Card Protections on the Way for Small Business Owners? – Slowly but surely, common sense is being infused into small business credit card policies. Issuers taking baby steps to correct regulatory imbalance between personal and business credit cards.

Lynn @ Wallet Blog writes Selling a Domain Name with – While it should never be recommended that domain-name speculation is a no-risk avenue toward untold profitability, it has been known to happen.

John S @ Frugal Rules writes Finding Strength in our Lack of Investment Control – Investing in the stock market can be rife with emotion as stocks go up and down. While there is a lot we can’t control, there is much we can. By focusing on what we can control you can set yourself up for effective investing and start you down the road of investing for long term needs like retirement.

Ross @ Wallet Hub writes What are transfer taxes? – Find out what transfer taxes are and how they work.

Lazy Man @ Lazy Man and Money writes Save Money On Dog Care with DogVacay – Dog Vacay is a website where dog lovers (typically owners of dogs themselves) agree to host another dog. It’s very similar to AirBnb, if you are familiar with that website. For between $25 and $30 a night, my dog can spend time with another family.

SFB @ Simple Finance Blog writes Student Loan Consolidation – Should you consolidate? – A nice way of financing education is by taking up student loans, but despite the fact that they are very helpful, there also remains a responsibility on your shoulders that you need to pay them back.

krantcents @ KrantCents writes Should I Refinance My Mortgage? – When does your bank call you and offer to refinance your mortgage for a lower rate? Until last week, I would have answered, never! I have a fixed rate mortgage that I am paying off it off in four (4) years why should I refinance? The bank offered to lower the interest rate and pick

Money Soldiers @ Money Soldiers writes Use Vehicle Equity Loans Responsibly – If a vehicle equity loan is used in the right manner, it would actually help in boosting the borrower’s FICO score. Be smart and thoughtful before you go for a pink slip loan, such as a vehicle equity loan.

Chris Topher @ This That and The MBA writes 5 Tips to a Good Credit Score – This is a big no-no you do not want to close accounts that you have had open for a long time. One of the factors in determining your credit score is the length of time the accounts have been open.Additionally you may think that since the card has a zero balance it would be good to close it.

PPlan @ Provident Plan writes Why Businesses Should Incorporate a Recommended Code of Conduct – Back in the 1980s, one of the things that became quite popular in a number of corporations was to have a neatly typed and laminated Recommended Code of Conduct.

Dollar @ Easy Extra Dollar writes How To Manage Your Money – In order to manage your money, you have to come up with a budget and stick to it.It is important to be realistic and not to overestimate or underestimate your budget. If you receive a monthly income, try to make a monthly budget and distribute the money to cover all your expenses.It takes time to adjust to a new spending pattern.

Lance @ Money Life and More writes My Redbox Secret for Free Redbox Rentals Using Promo Codes – If you play the game right you can almost always get Redbox rentals for free. Let’s start with the basic free Redbox movie strategy and then we’ll move onto the more complex strategies.

LaTisha @ Young Finances writes How Young Adults Can Budget for a Wedding – Getting ready for a wedding is an expensive undertaking. There are ways to reduce the cost of a wedding, especially if you are a young adult getting married.

Roger the Amateur Financier @ The Amateur Financier writes 25 Pieces of Life Advice for High School Graduates – A few pieces of advice for high school graduates to help them as they go out into the world, handling things like college, jobs, money, and life.

Little House @ Little House in the Valley writes Tread Lightly In This Economy – News about the health of the economy seems to be contradictory; on one hand, auto sales and the housing market are on an uptick, yet on the other job creation is flat. So how can any individual buffer themselves against such a delicate economic state of affairs?

Melissa @ Minting Nickels writes Earn Money Online and Live Like a King – Even if you work the exact same amount of hours online as you would have if you had a job (and made exactly the same amount of money), you would have a much greater possibility of becoming wealthy as an entrepreneur online. You might fight me on this, but just hear me out – let me explain.

Miss T. @ Prairie Eco Thrifter writes 5 Tips for Motivating Yourself to Exercise More – I really hate exercising just for the sake of exercising. So, here are 5 ideas for motivating yourself to exercise more:

Money Cone @ Money Cone writes The Secrets of Getting Rich (as Told by Warren Buffet, Peter Lynch and Charlie Munger) – What if I really used the advice given by these three investing greats and apply it to one of the most trying times in our nation’s history – year 2000 to current?

Investor Junkie @ Investor Junkie writes How to Read a Financial Statement – If you want to be a successful investor, there’s one absolutely critical skill you need to acquire, and that is the ability to read a financial statement. This is particularly important if you trade individuals stocks.

Daisy @ Suburban Finance writes 5 Things You Can Stop Paying For – You probably shouldn’t do everything you read on the Internet, but trust me here. If you’re spending money on these things, you probably shouldn’t be. Take all of these suggestions with a grain of salt. No one should give up a hobby if it brings enjoyment(unless it is just plain unhealthy).

Irfan @ Everything About Investment writes Conquering Debt Fast – 4 Daily Tips To Help You Pay Off Your Debt – The burden of living with debt can weigh heavy on consumers who feel like they have no options. If you are a person who has problems making ends meet each month due to the bills you have to pay, then there are daily tips you can follow which will help relieve some of that stress. By taking matters into your own hands, you can start to climb out of the financial hole you have dug.

Mr.CBB @ Canadian Budget Binder writes Financial Independence may only exist once we get there – There’s no reason why a dream can’t become a reality but setting the stakes too high may result in retirement failure. You never know what the future holds but if you live in a dream world you may never reach financial independence.

GD @ MLIQ123 writes Types of Life Insurance Policies – Every financial planner and adviser touts the importance of having life insurance, and this isn’t just because it is their job, but because the real life benefits are tangible and significant. Yet with so many policies and companies available, how do you which type of life insurance is best for you? Here is a detailed explanation of the different types of life insurance policies, from term to whole to universal coverage to help you reach your financial goals.

Mr. Frenzy @ Frenzied Finances writes Google It Before Getting It: The Perks of Online Shopping – Online shopping lets customers browse goods in their home and have products delivered to their door. Read here for more benefits of this shopping method!

Everything Finance @ Everything Finance Blog writes 5 Hobbies That Pay – There are so many hobbies that you can easily transform into paying jobs, especially if you have developed your hobby over a number of years. All you need is a little bit of motivation, a lot of passion, and a desire to see your business through. Here are 5 examples:

Anton Ivanov @ Dreams Cash True writes Picking the Right Online Stock Broker – As the online trading world gets more and more crowded, it is important to know what to look for when picking the right online stock broker.

Mike @ Personal Finance Journey writes 5 Thrifty cleaning habits everyone should know – 5 simple and easy Thrifty Cleaning habits everyone can adapt to which can save money, time and make life easier.

Brent @ PersonalFinance-Tips writes Your Options for Insolvency – The true definition of insolvency is when someone is unable to pay their debts. No one has to stay insolvent and there are a few options available to help. The two more popular options are to get a higher paying job or get on a budget and spend less. The following are a few tips to help those who are currently insolvent.

Crystal @ Married (with Debt) writes I’ve Spent $7698 So Far in June – As of this writing, June has one more day left in her before she dies, and I’ve already spent $7698. Here’s how that happened…

Don @ MoneySmartGuides writes Getting Married and Combining Finances – I could have made up a “fake” Reader Writes post from a guy name Juan, but I figured that most of you are smart enough to figure out that Juan was really me hahaha!! As you may or may not

Glen Craig @ Free From Broke writes Which Is More Important – College or Retirement Savings? – We want to do the best for our kids and pay for their college education. But should we save for college at the expense of retirement savings?

Steven @ Canadian Personal Finance writes Rewards Visa Card Review – Amazon has a nice Canadian credit card issued by Chase bank. I look at it as a cash-back card for heavy Amazon shoppers. It is a nice 2nd card to have to avoid foreign transaction fees.

Category: Carnival

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