Welcome To The 10th Edition Of The Carnival Of Retirement

by Hank Coleman

Welcome to the 10th Edition of the Carnival of Retirement If you want to submit a post for next week’s edition, please use the submission form.  Next week’s edition will be hosted by The Frugal Toad

Editor’s Picks

Piggy bank with retirementDividend Ninja @ The Dividend Ninja writes Using Dividends For Passive Income In Retirement – In addition to a pension, investors also have quarterly dividends that support them in retirement. That is the beauty of dividends. They are truly a passive income stream.

Busy Exec @ The “Busy Executive” Money Blog writes Supercharge your retirement by living on one household income – For working couples, one of the great accelerators of retirement funding is living on one income. Probably the best reason to live on one income is to have greater funds to invest in your future retirement.

MMD @ MyMoneyDesign writes Is 2 Percent the New Safe Retirement Withdrawal Rate? – Are you planning to withdrawal 4% from your nest egg in retirement? What if I told you some analysts think 2% may be a more appropriate figure. Let’s calculate the numbers and see for ourselves.

401k Retirement Plans

Christopher @ This That and The MBA writes Part 1 of the Retirement Roundtable: What is a 401k, and why is it all over this material HR gave me? – Oh no the dreaded 401k. The nuts and bolts of a 401k.

Beating Broke @ Beating Broke writes Reader Questions: IRAs, 401ks and Dividends – Reader David asked a question about IRAs, 401ks and dividends. Here is my answer. What are your thoughts?

Debt

Suba @ Broke Professionals writes 5 Things to Consider Before Deciding To Pay off Debt or Invest – Owning a home with a white picket fence is beginning to cost more than we expected, not to mention consumerism that is brainwashing us to get the latest deal on a gadget we don’t even need. Because of the way society is shaped, many of us end up in loans we never would have gotten into if it wasn’t for the normalcy we attribute to it.

Erika @ Newlyweds on a Budget writes Paying off my student loans – Pay off student loans faster to save money on interest and get out of debt faster.

Daisy @ Add Vodka writes How Different Debt Relief Strategies Affect Your Credit – There are multiple options for getting relief for your debts. Depending on your specific situation, some debt relief strategies will work better than others. Many times consumers will avoid their debts because they do not know all of the options!

Dana @ Not Made of Money writes 8 Reasons Why You Should Not Transfer Your Student Loan Debt to a Credit Card – The average American college student graduates from college with $25,000 in student loan debt according to CNN. That student loan debt can be repaid in 10 to 20 years. Often, if you stretch it out over 20 years you may have a more manageable monthly payment, but you will spend nearly as much on interest as on the loan itself.

Spending

Crystal @ Budgeting in the Fun Stuff writes Spent $1000 in 24 hours, Ouch! – We bought a new desk, a new office chair, and a new tablet (Asus Transformer).

Real Estate

KT @ Personal Finance Journey writes Why We Decided Not to Buy a House… – Many people think that homeownership is the American dream, but I disagree. I’m a proud renter, and it’s not that I can’t afford a house – I can actually afford a really nice, big house. I just choose to rent a nice big house instead. Here’s why…

Ashley @ Money Talks Coaching writes We Applied for a Mortgage Refinance – Well, after much discussion and back and forth we finally applied to refinance our mortgage! We have a rate of 3.875% locked in and we have submitted all our paperwork so now we wait and see what they have to say.

Personal Finance

Dr. Dean @ The Millionaire Nurse Blog writes The Girl With The Dragon Tattoo: Ten Personal Finance Lessons! – You can find lessons and re-enforce important principles of personal finance anywhere if you take the time to look. In the best selling trilogy by Steig Larson, I found quite a few interesting lessons.

Evan @ My Journey to Millions writes My March 2012 Net Worth Update – From January 2011 to February 2012 my net worth has increased 95.30% – I think next month will finally be the month where I double my net worth!

krantcents @ KrantCents writes The 3 G’s of Success – The 3 G’s of Success is the Seventh in a series of articles to help you reach your goal. What are your goals? I know you thought about it! You know, it is your dream, wish or resolution you made! Before you can get to where you want to be, you need to know where you have been.

Daniel @ Sweating the Big Stuff writes Gas Prices are Skyrocketing. How High Will They Go? – The cost of gas has gone through the roof. I saw gas at nearly $4.50 last week. in Los Angeles. What will gas prices look like this summer for you?

Amanda L Grossman @ Frugal Confessions writes Myths and Rituals that Perpetuate the Mystery and Power of Money – Early Saturday morning after several bouts of tossing and turning I decided to go to the living room and grab my laptop for a little flow-of-consciousness

Jeremy Waller @ Personal Finance Whiz writes Sometimes It’s The Simple Things in Life – There’s the saying that the best things in life are free. Recently we’ve cut out budget way back to help meet some of our financial goals this year. That means our fun budget is pretty thin right now. But that didn’t stop us from having a great weekend.

Investing

SFB @ Simple Finance Blog writes The Not-So-Simple Way To Buy Savings Bonds – I thought the government’s new method to buy savings bonds was supposed to make the process simpler? Why I find fault with the TreasuryDirect system.

Tushar @ Start Investing Money writes The Golden Rule of Smart Investing: Pay Yourself First – It is incredible how many people live from paycheck to paycheck. It might be the way of millions of people, but it isn’t the smart way. It certainly doesn’t make life easy when it comes to investing for your future. If you put everyone and everything else first financially, you won’t have any money left by the end of each month to invest in something for you. Get smart! – pay yourself first!

Kacie @ Sense to Save writes How to choose your asset allocation – How do you choose the blend of investments for your retirement portfolio? This post helps you determine your asset allocation.

Investor Junkie @ Investor Junkie writes What Is Profit Margin? – Looking at the financial position of the company can help you figure out whether or not a stock is likely to make a good buy for your portfolio. One of the fundamentals to consider is profit margin. There are three common profit margin considerations that can provide you with helpful insight regarding a company

Ryan @ Early Retirement Investments writes Finding Money for Retirement When Your Paycheck is Small – Even if you do not have a large paycheck you should still try to save some money for retirement. Here are some of my best tips.

Teacher Man @ My University Money writes RRSP Contributions vs Paying Off Credit Card – After the seasonal marketing push for RRSP contributions that we recently seen exert its pressures the last few weeks, it struck me just how single-minded the whole thing seemed to be.

Careers

MR @ Money Reasons writes Working Two Jobs At Once – Making Twice As Much – My buddy worked two jobs last year at the same time and made twice as much money as he could have normally made by working only one job. Read his story!

PITR @ Passive Income To Retire writes Proof Owning Blogs is More Profitable than Staff Writing – Ever wondered if owning blogs is more profitable than staff writing? Find out how long it takes to earn more money.

Jason @ Work Save Live writes Does Fear Control Your Life? – What’s Holding You Back? Why are you scared to take risk – the risk of following a new career path, pursuing a dream job, starting a website or blog and sharing your story? Why are you scared to test your limits and challenge the things that you think you’re capable of?

Corey @ 20s Finances writes Jobs in College – Part 2 – Are you looking for the best jobs in college? It’s hard to say which one is the best job in college, but it is clear that having a job in college has its benefits as I discussed last week . What are the job opportunities available to college students? What do certain jobs offer to college students? These are all questions that college students have. I’m here to help change that.

IRA

Peter @ Bible Money Matters writes Who Qualifies for a Roth IRA? – Who qualifies for a Roth IRA? Can you make contributions for your child or a non-working spouse? What if you’re retired? As long as you meet the IRS requirements regarding your income, you can make a Roth IRA contribution. Nothing else really matters.

Wayne @ Young Family Finance writes Affordable Modes of Transportation – Affordable modes of transportation may seem rare, but they really aren’t that hard to find.

Jon the Saver @ Free Money Wisdom writes Top 10 Dream Retirement Locations on the Cheap – Retiring in a tropical paradise doesn’t have to cost much. Check out these top ten retirement locations that will leave your wallet alone.

Nathan @ Everyday Money Info writes Roth IRAs for People Who Think They Can’t Afford It – Sometimes the hurdle to starting a Roth IRA is that people think they need a lot of money to begin one. If you can afford $1000 initially and $100 a month, here are some options

Insurance

Justin @ Budget Snob writes How to Lower Your Life Insurance Premiums – Fortunately, there are simple ways you can help keep your life insurance costs under control.

Miscellaneous

Hank @ Money Q&A writes Ten Ways To Cut Costs On Moving Expenses – Moving is expensive, but that does not mean that there are not ways to cut costs. You can save a lot of money on your move by planning ahead and thinking outside of the box a little.

Corey @ Steadfast Finances writes 5 Inflation Survival Tips That Will Save You Money – Learn about 5 inflation survival tips that will help you save money.

Eddie @ Finance Fox writes Do You Budget? – Prior to budgeting I spent money I didn’t have because I didn’t want to feel deprived of anything. I wanted to experience life to the max. I always found a way to justify the purchase to myself, and bought whatever I wanted in the end. Obviously I didn’t think about the repercussions and after years of being in debt I woke up and realized the mess I had created.

Steve @ Brip Blap writes A bird in hand or two in the bush? – Do you want to make money now or make money later? Would you take a job for free today with the promise of making more tomorrow? Or do you want cash in hand, thank you very much? Honestly, both are legitimate arguments.

LaTisha @ Financial Success for Young Adults writes The Hierarchy of Financial Aid – Financial aid packages such as grants, scholarships and work-study are considered -free- money that does not have to be repaid. Learn about money for college.

Jeffrey @ Money Spruce writes Multiple Bank Accounts: Is More Better or Worse? – Opening multiple bank accounts can be better for organizations, but it can also be confusing, too.

101 Centavos @ 101 Centavos writes Canadian Natural Resources and the Ecology of Business – In my day job, I have to scour the planet for the cheapest/best/safest companies to manufacture our company’s products. This gives me a unique insight on companies.

Shaun @ Smart Family Finance writes Why It Is Time To Invest In Your Family – Here are a few ways to invest in your family and produce beneficial financial results that could protect them in the long term

John @ Married (with Debt) writes Make a Monthly Debt Budget: Rule 3 – A debt budget spreadsheet puts everything in one place, keeps you focused, and prevents missed or late payments.FREE spreadsheet inside!

Kyle @ The Penny Hoarder writes How to Buy Your First Rental PropertyBuying an investment property is a big deal. It is a huge asset for most individuals, and it requires work. Many individuals actually view owning a rental property as being more similar to a small business than an investment, because it involves tenants (customers) and vendors.

Steve @ Money Infant writes A Tax on ALL Sinners – A sin tax a regressive tax that is levied on items considered to be vices such as alcohol, tobacco and gambling. These taxes can also be called a sumptuary tax.

Aloysa @ My Broken Coin writes Do You Know Why You Spend Money? – If you think that shopaholics want to go shopping all the time, you are wrong. The urges to run to the blissful place that I call The Mall come and go in waves. Usually it happens on days when I am stressed and feel vulnerable. Here is a list of reasons we spend money.

Cash Flow Mantra @ Cash Flow Mantra writes Executing the Defensive Plan by Selling Covered Calls – On Monday, I stated that I was concerned about the stock market and listed several reasons why I thought I should assume a more defensive posture with regards to my retirement portfolio. Well yesterday, I began to execute my plan by selling covered calls on several of the stocks that I own.

Jen @ Master the Art of Saving writes Save Money: Embrace Free – One of the best ways to save money is to take advantage of free stuff. It sounds like a no-brainer, but sometimes our perception is a bit skewed when it comes to this notion. Why do we sometimes perceive something that’s free to be of lesser quality than what we pay money for?

Don @ MoneySmartGuides writes The Government Supports The Rich With Foreclosures – The US Government has tried many times to thwart off the rise of foreclosures from the bursting of the housing bubble. They came out with catchy programs: HARP, HAMP, and now HARP2. Sadly, none of these tricks worked.

Steve @ The Loonie Bin writes Round Two: The RRSP – Here’s the lowdown on the RRSP; is it right for you?

YFS @ Your Finances Simplified writes Hiring A Financial Planner? 5 Good Reasons Why You Should – Your finances is something that you should always get in order. After all, much of your future and your family’s depend on the financial decisions that you make in life when you were younger.

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes The Permanent Portfolio by Harry Browne – Component Returns Correlation Analysis and My Future Plans – This post describes Harry Browne’s Permanent Portfolio asset allocation strategy as a way to obtain market-beating returns, which aims to provide safety and stability to the money you deem that you cannot afford to lose. This post also presents a correlation coefficient matrix analysis of the returns of the various components of the Permanent Portfolio, as well as Jacob @ MPFJ’s future plans for using the Permanent Portfolio in his overall planning for retirement strategy.

Luke @ Learn Bonds writes What does GM know about savings bonds? – What do you do if you make more cars they people want to buy? A short-term solution is to discount the car through big rebates . .

Kevin @ Thousandaire writes My Girlfriend Signed Up for PerkStreet – The PerkStreet Rewards Checking Account is a great way to earn rewards for debit card purchases, and doesn’t charge a monthly fee. It’s a great account.

FG @ Financial God writes Why are Manufacturing Jobs Leaving the US? – There’s a neat post on just why manufacturing has been leaving the U.S. to other countries in drove. Why is this? Is it cause of wages? High costs? Perhaps excessive regulation and cronyism has something to do with it.

A Blinkin @ Funancials writes I Love Bank of America And Their New Fee Schedule – When you read this title you probably thought I was being sarcastic, but I wasn’t. I know a lot of America is outraged over Bank of America’s announcement this morning to revise their fee schedule, but I’m not jumping on the bashing bandwagon. I happen to love what they’re doing.

Jeffrey Strain @ The Frugal Toad writes 11 Ways to Save Money While Sking – Whether you ski locally or abroad, saving a few dollars while you’re doing it might help you enjoy more trips per year and have a better time while you’re there. Here’s a list of several ways to keep costs down when you go. Hopefully you’ll find one or two you haven’t thought of.

Suba @ Wealth Informatics writes Are men financially irrelevant now? – Education and employment statistics point to a clear and growing dominance in women’s status at home and in the workplace. Are men primed for a comeback or have the old rules changed for good? Are men financially irrelevant now?

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About Hank Coleman

Hank Coleman is the founder of Money Q&A, an Iraq combat veteran, a Dr. Pepper addict, and a self-proclaimed investing junkie. He has written extensively for many nationally known financial websites and publications. Hank holds a Master’s Degree in Finance and is currently pursuing his Certified Financial Planner credentials. Email him directly at Hank[at]MoneyQandA.com.


Hank Coleman has written 531 articles on Money Q&A. Learn more about Money Q&A on Twitter @MoneyQandA and @HankColeman.


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