It is my great honor to host this week’s edition of the Carnival of Retirement. It is the 71st Edition of the Carnival of Retirement. There is a a ton of great personal finance and retirement specific articles this week in the Carnival of Retirement. You don’t want to miss them.
Roger Wohlner @ The Chicago Financial Planner writes Stock Market Highs and Your Retirement – Over the past 13 years we have seen two market peaks followed by pronounced market drops. As someone saving for retirement what should you do at this point?
Dividend Growth Investor @ Dividend Growth Investor writes Procter & Gamble (PG) – A dividend stock to hold forever – The Procter & Gamble Company (PG) provides consumer packaged goods in the United States and internationally. This dividend aristocrat has paid uninterrupted dividends on its common stock since 1891 and increased payments to common shareholders every for 57 consecutive years.
Darwin @ Darwin’s Money writes What’s a Stay at Home Mom Worth? – What is a stay at home mom worth? It’s a tough question to answer and this recent study thinks they have the answer. I beg to differ. Weigh in on how you’d value moms.
AxeMan @ Axe Debt writes Why Credit Cards Are Not For Everyone – Credit cards are not bad in and of themselves. Millions of people use them responsibly every day and even pay them off each month. However, for some people having a credit card can be a bad idea.
Jules Wilson @ Faithful With a Few writes A Neighborly Gesture – A short phone call and a small gesture made a huge difference in the relationship between us and our neighbor. How can this apply to your relationships?
Jules Wilson @ Fat Guy, Skinny Wallet writes I’ve Been Having A Horrible Time Lately – My wife and I have both been having a rough time both physically and mentally. Find out how this rough patch has hurt our health and our finances.
Arnel Ariate @ Money Soldiers writes Seven Easy Ways to Cut Spending Now – These simple steps you can take today will help you lower your expenses right away. Credit in the form of a loan or credit card can be useful but establishing savings within your current budget can go a long way.
Lance @ Money Life and More writes Don’t Mix Family, Friends and Money – Our Townhouse Rental – We were going to rent our townhouse out to someone we didn’t know, but my fiancee mentioned that one of her friends wants to move soon and loves our townhouse so we decided we could rent it out to her instead. That was the plan… until things went wrong!
Irfan Ahamed @ Everything About Investment writes Tips For Investing In A Roth IRA – A Roth Individual Retirement Account (IRA) is a type of investment account for people who are saving for retirement. Roth IRAs can be indispensable savings tools. If you follow the rules and invest wisely, your money can grow tax-free. Following are some tips for investing in a Roth IRA.
Jordann @ Making Sense of Cents writes How Being A Minimalist Has Helped My Finances – I didn’t always have minimalist tendencies. Though I never considered myself a collector, I did have a ton of clothing and furniture while in University, and the size of my book collection growing up bordered on the absurd side. For the last few years though, accumulating large volumes of stuff wasn’t really on my agenda anymore, it just didn’t hold the same appeal that it used to.
Evan @ My Journey to Millions writes If You’ve Been Thinking about Getting Life Insurance, Now Is the Time – There are two reasons why you should look into your life insurance sooner than later. One has to do with the life insurance companies and the other is you.
Matt @ Living in Financial Excellence writes Time Management Challenge: Full-Time School & Full-Time Work – A while back I decided to take advantage of some GI Bill benefits that were still available to me. I returned to school to pursue a Master of Business Administration (MBA) degree. The good news is I’ll graduate without needing any loans. The bad news is in order to receive my full GI Bill benefits, I have to attend classes at least half time.
Lazy Man @ Lazy Man and Money writes Committing to a Credit Card? Don’t Underestimate Annual Fees – OK, so are no annual fee credit cards always better to carry? Well, yes and no…
Jacob @ Cash Cow Couple writes How to Make Money on Craigslist – I’ve been buying and selling goods online for almost 10 years. Let me show you how to make money on Craigslist!
Kyle @ The Penny Hoarder writes Get Paid to Exercise – I’ve been an avid runner for over 20 years now, and I’m usually out hiking, biking, or generally moving somewhere. There’s nothing quite like the feeling of being able to lace up my shoes and head out the door after a long day.
Brent @ PersonalFinance-Tips writes How Can A First Time Home Buyer Get The Best Deal – Owning a dream house and the feeling associated with it is perhaps one of the best in the world. The presence of a roof above the head which solely belongs to you is infact a great achievement. House-owning is a vital aspect in any person’s life. Your financial, mental and physical wellbeing depends a great deal on a home.
Tushar @ Start Investing Money writes Are You Ready for Risky Investments? – Most of us are aware that risky investments come with the potential to bring us bigger rewards. The higher the risk the bigger the potential reward can be. However, it is all too easy to get caught up in the idea of significant rewards.
Robert @ The College Investor writes 6 Ways To Avoid The Chains Of Credit Card Slavery – Some financial experts advise young people to skip using credit cards. It’s true that if used incorrectly they can be a great way to damage your finances. Even the most disciplined among us know how convenient and seductive it can be to pull out the plastic and swipe.
Kanwal @ Simply Investing writes Top 5 Things Mutual Fund Companies Don’t Really Want You to Know – Last month I had the opportunity to write a guest blog post for Modest Money. In this guest blog post I covered the top five things mutual funds companies don’t really want you to know.
Shredding Debt @ Shredding Debt writes Debt Payoff Progress for April 2013 – I am close to my net worth goal for the year, but I realize that the market can easily go down which is why I want to focus on paying off debt to improve our net worth.
Grand Per Month @ Grand Per Month writes 101 Ways to Make Money In Your Spare Time By Jackie Beck – A Review – If you want a jump start on ways to make extra money, Jackie Beck’s 101 Ways to Make Extra Money In Your Spare Time may be just the book for you.
Ryan @ Cash Money Life writes How to Safely Invest Your Money – Is it even possible to safely invest your money? Yes, it is! Here’s what you can do to keep your money as safe as possible.
Mike @ Personal Finance Journey writes ETrading online an observation and adventure – An impression of where to start and whats involved in Etrading for the new investor and the possibilities for your personal finance growth and plans.
Steven @ MyDividendStocks writes Life Insurance for the Terminally Ill: Can it Be Obtained? – Receiving the news that you, or a loved one, has been diagnosed as “terminally ill” with a short life expectancy remaining deals a blow that is emotionally devastating. Furthermore, it can be financially devastating, especially if you or your loved one doesn’t currently possess the life insurance that would secure other loved ones when the time comes.
JP @ My Family Finances writes Taking Care of Kids While Trying to Stay Financially Stable – Learning how to prioritize can help you make the most of the money that you are earning now so that you can manage the future efficiently.
Gary @ Gajizmo writes Credit Score Scale – What Is A Good Credit Score? – Do you know what a good credit score is? This article discusses many aspects of credit scores, including why it’s important, how it is calculated, the credit score scale, what different scores mean, how to improve your history, etc.
Jester @ The Ultimate Juggle writes Simple Ways to Improve Your Finances – Everyone wants more money and less stress due to money, but it’s not always as easy as wanting it to happen. But, it doesn’t mean it’s impossible. In fact, getting a handle on your money and improving your financial situation is often easier than it seems.
harry campbell @ Your PF Pro writes Reader Question: Should I Close My Old Credit Cards and Open a New One? – When you’re first getting started with building credit, your score will be dominated by the low age of your accounts, the total limit of your accounts and your utilization. There’s not a whole lot you can do about the low age of your accounts other than wait it out. You always want to keep your oldest line of credit open even if you rarely use the card.
Roger the Amateur Financier @ The Amateur Financier writes 7 Things You Can Make Rather Than Buy – There is a tendency in the modern world to simply opt for the simplest method in life.
krantcents @ KrantCents writes How to Become Minimum Wage Millionaire – Can you earn minimum wage and still become a millionaire? The short answer is yes! I am sure you have heard of so called poor people becoming millionaires, although not overnight. I am not talking about professional athletes, entertainers or lottery winners.
BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes STEP UP NOTES OFFER HIGHER YIELDS THAN CASH – Bond investing product; Check out Step up Notes? Similar to a bond ladder.
Crystal @ Budgeting in the Fun Stuff writes Need Your Life Insurance Questions! – Hi everybody! I need you to ask every life insurance question that you have.
Corey @ Steadfast Finances writes How to Drastically Reduce Your Spending – In this poor economy, many people find themselves having to drastically reduce their spending in order to make ends meet. However, there are a lot of people who leave things hanging in the balance for too long. Then their only options are to have cereal for dinner and steal loo paper from the company’s bathroom.
Debt Guru @ Debt Free Blog writes Top 10 Things Affecting Your Credit Score – You want to be sure you have good credit, but sometimes it’s hard to identify why your credit is unsteady. Read here to see the top 10 credit changers.
Don @ MoneySmartGuides writes Starting the Home Buying Process – The home buying process can be a stressful one at times. It’s key to have a plan before starting so that you purchase a home you can afford.
Miss T. @ Prairie Eco Thrifter writes Butt Out! How I Successfully Quit Smoking – True confession time! I smoked cigarettes for over 20 years. Here’s my story and some tips for you if you are a smoker wanting to quit.
Tony @ We Only Do This Once writes How to Reclaim Your Life from Clutter – It’s Spring, so there is no better time than now to start reclaiming your life from clutter. Imagine your ideal space in your home. Start with one small room. Can you visualize what your room looks like without clutter? Start creating the atmosphere you want to live in, one trinket at a time.
Crystal @ Married (with Debt) writes What Happens To A Dream Deferred? – What happens to a dream deferred? With my husband’s career facing a crossroads, it’s a question I can’t get out of my mind lately.
Ted Jenkin @ Your Smart Money Moves writes What Do I Give For A Graduation Gift? – Read this article to find out some graduation gift ideas for your graduate that fit your personal financial budget!
Joe @ Midlife Finance writes 10 Ways To Ditch The Rat Race… For Good – We’ve been working actively for some years to tell the rat race to chase its own tail and we’re making progress, thanks to these ideas:
Steve @ Ready To Quit My Job! writes Don’t Quit, Negotiate A Severance Package Instead – Even if you don’t like your job anymore, don’t walk away with nothing. Negotiate a severance pay instead of quitting.
Little House @ Little House in the Valley writes Cutting Down on Bills and Everyday Expenses – Cutting down your bills seems impossible at first, but it’s important to look at everything in front of you and keep an open mind about what you actually need versus things that are just convenient.
Daniel @ Sweating the Big Stuff writes 5 Crazy Ways People Waste Money – Some people like earning more, and some people like being frugal to save money. Nobody likes to waste money, so be sure you’re not making these mistakes!
LaTisha @ Young Finances writes Pay Off Student Loans or Invest? – If you’re a college graduate in your twenties, you may have student loans to pay off. The average student finishes school with $27,000 worth of debt.
DJ Wetzel @ Money for College Project writes College Students Trash is Everyman’s Treasure – College students throw away millions of dollars of items each year. You find these items in college dumpsters and resell on ebay, craigslist, or at a yardsale
Peter @ Bible Money Matters writes 5 Signs You Are Financially Ready to Retire – If you retire before your finances are in order, there is a good chance that you will outlive your money. Before you quit your job, make sure that you are truly ready to retire:
Melissa @ Minting Nickels writes How to Grow Your Savings Account – We all know that we should have a beefy savings account, but few of us do, mainly because it’s way more fun to spend it. So how can we ignore all that cool stuff we can buy and build a savings account instead?
Adam @ Money Bulldog writes iPad vs Laptop ~ In the Hand or In the Lap? – The iPad is the ‘cool’ choice for many portable computer buyers, but how do they compare to laptops and which is right for your needs? Find out here.
Adam @ Money Rebound writes Secrets of Saving ~ Why You Should Start Saving Today – Due to decades of easy credit many people have forgotten how to save money. Find out why you should start saving today!
Dividend Growth Investor @ Dividend Growth Investor writes Why would I not sell dividend stocks even after a 1000% gain? – In a previous article I wrote on when to sell dividend stocks, many investors were absolutely furious that I would not even think about selling after a stock I own goes up 1000% in value.
CAPI @ Creating a Passive Income writes What to Do When Investing with Inflation? – Investors must move forward with financial intelligence, and things like inflation make it tricky. Read here to learn how to invest with inflation.
Maria @ The Money Principle writes A forced experiment in minimalism – I am in Cape Town and my luggage is somewhere else in the world. May be the union between minimalism and me is not one of passion but I am up for it!
Mr. Frenzy @ Frenzied Finances writes The Part-Time Pros: 10 Part-Time Jobs Worth Your Time – Interested in making a few extra dollars? Need another steady source of income? Here are ten part-time jobs worth investigating, worth your time.
IMB @ Investing Money writes Ways to Search for Great Stocks – Looking to invest in stocks? You need to know where to find the good ones. Read here for finance and investing tips on finding great stocks to invest in.
MMD @ IRA vs 401k Central writes Your Retirement Accounts – The Best Tax Saving Investment – If you’d like to hang on to your money, then look no further than your retirement accounts to find the best tax saving investment – your IRA and 401k.
Michelle @ See Debt Run writes Budget Like a Rock Star – Even rich people have to budget. I know it’s depressing that we’ll always have to keep track of our finances, but at least we can learn to budget in style.
MR @ Money Reasons writes Am I Focusing Too Hard On Investments? – Do you find that you are focusing too hard on investments? Perhaps it’s time to alter your investment pattern so that you optimize your investment research time?
Amanda L Grossman @ Frugal Confessions writes The Amish Next Door: How they Manage their Children’s Money – As some of you may know, my father is a full-time Amish taxi driver in Lancaster County, PA*. One of my father’s main employers is a man named Leroy.
Irfan Ahamed @ Everything About Investment writes Generating Passive Income: Make Your Money Work for You – How would you feel if the money in your bank account brought in even more money, with minimal additional effort? That’s what it means to have passive income.
Pauline @ Reach Financial Independence writes Pauline’s jacket and life priorities – I was criticized for wearing the same jacket but my finances are strong and I am reaching my goals. Peer pressure does not help you plan your financial future.
Investor Junkie @ Investor Junkie writes Why You Shouldn’t Rely Completely on Your Public Pension – There was a time — not so very long ago — when the promise of a state or local pension made for a worry-free retirement. With most public pensions, all of that is still true, but the storm clouds are gathering. If you’re in the pubic sector, will you be ready for what could be some big changes?
SBB @ Simple Budget Blog writes Get to Know Your Travel Accommodations – Planning a holiday? There are many different temporary travel accommodations. Read here for differences between hotels, motels, and everything in between.
Hank @ Money Q&A writes How to Find Your First Accountant And Personal Finance Team Member – Finding a trustworthy accountant can be a difficult decision. But, here are some tips to help make finding an accountant the easy way to help your finances.
Wayne @ Young Family Finance writes Cutting the Cord: Lower Cost Alternatives to Cable – Cable’s a major part of most homes for young families. We know you like your cable, but it is costly. Read here for tips on cheaper choices.
John S @ Frugal Rules writes 5 Things I Wish I Knew Before I Graduated From College – It’s sadly been too long since I graduated from college. There are a number of things I wish I knew before I did, chiefly among them avoiding debt, investing early for retirement by taking advantage of a 401k and networking all with the intention of growing professionally as well as growing my wealth.
Jacob @ AllPersonalFinance writes How to Get Into the Savings Habit – One of the most important things you can do to achieve financial health (and maybe even some measure of financial independence) is to save money. However, it can be very hard to get into the habit of saving.
Corey @ 20s Finances writes How I Survived College Financially – Here are simple ways that I earned income throughout college and how you can do the same.
Mr.CBB @ Canadian Budget Binder writes Working Towards A Debt Free Lifestyle In 8 Steps – Working towards a debt free lifestyle is possible, that is if you really want it bad enough. I’m sure you all know that the 8 steps are only stepping stones, meaning one step leads to another.. You may only need 1 step but the first step may be the most important of all. You can make that happen.
Suba @ Broke Professionals writes 5 Things I Learned From Selling My House – Selling my house highlighted every real estate mistake I’d ever made. Now I’m applying that knowledge to buying a house for the second time.
Ashley @ Money Talks Coaching writes My Dad Passed Away – Last month I wrote about how my Dad was diagnosed with Cancer. Well, he passed away on April 12th. Just 4 days shy of his 60th birthday.
Jon @ Novel Investor writes The 5 Best Short Term Investments Right Now – When you invest money for a short term goal, taking extra risk is like playing with fire. The best short term investments preserve your money.
Kevin @ Passiveincometoretire writes Using Technology to Improve Your Small Business – As a small business owner, you may think you don’t have time to keep up on the latest technology. Think again. You can improve your communication, efficiency and productivity by investigating the software, electronics and online services available to keep your business humming.
Luke @ Learn Bonds writes Using Ray Dalio’s 5 Principles to Reach Your Investment Goals – Here’s what you need to know about the 5 principles to reach your investment goals.
Jacob @ AllPersonalFinance writes Why Entrepreneurs Need to Learn Finance ASAP – While some entrepreneurs think they can just get a “finance guy,” there are some really good reasons for developing your own financial skills. The financing portion of your business is the bottom line, right? Finances dictate decisions, form possibilities and ultimately drive a business.
SFB @ Simple Finance Blog writes Different Types of Home Loans – Are you in the market to buy a home and planning to apply for a loan? Gone are those days when a buyer would have to choose from among a few kinds of home loans.
Tushar @ Finance TUBE writes 5 Crazy small business ideas that worked – Have you got an idea that seems just too crazy to catch on? There are many small business owners in the world who have succeeded in making a living doing unconventional things – and most often they’re inspired by financial necessity or adversity in their own lives.
A Blinkin @ Funancials writes The Honeymoon is Over and the Dollar is Weak – Trading currency can be a great way to make money. The Foreign Exchange is a market that never sleeps. Due to different time zones in different countries, you can theoretically trade any hour of the day. Another advantage is that there is no such thing as a “bear market.&
R.J. Weiss @ The Insurance Protection Blog writes Auto Insurance for Teenage Drivers: 7 Costly Insurance Mistakes Parents with Teen Drivers Make – Auto insurance mistakes parents make with teen drivers, that cost time and money.
Jules Wilson @ Faithful With a Few writes Mother’s Day Traditions – I feel Mother’s Day should be celebrated however the mom wants to,instead I felt obligated to go to a family Mother’s Day celebration with aunts, uncles, grandparents, and cousins.
Lance @ Money Life and More writes Best 0% Balance Transfer Credit Cards – If you’ve sworn off debt but are trying to dig your way out, 0% balance transfer credit cards can be a great tool. You have to know that you’ve completely sworn off incurring any more debt in order to play the 0% balance transfer game, but if you’re certain then you can save a ton of money by taking advantage of some of the best balance transfer credit card offers.
Michael Kitces @ Nerd’s Eye View writes Should Financial Planners Invest Using Bucket Strategies Or Just Report That Way? – Strategies that break investments into separate “buckets” for certain goals have become increasingly popular lately, but research is showing that they may not always create better outcomes. Still, it’s so appealing to keep track of investments this way, does that mean what we really need is a better way to track what we’ve got to monitor in buckets, even if we don’t invest that way for retirement?
Paul @ The Frugal Toad writes Frugal Living with Children – Lessons From Mom – With Mother’s Day fast approaching I am reminded of the many lessons my Mom taught me as a child. Be respectful always towards others, if you fall, pick yourself up and try again, and make the most of what you have. I was lucky to grow up in a family with six brothers and sisters, we learned to share and to be resourceful. It is this last lesson that I’d like to share some memories.
Thanks again for everyone who submitted articles to the Carnival of Retirement. If you are interested in having one of your retirement articles included in a future edition of the Carnival of Retirement, be sure to visit the Blogger Carnival page to submit your article. Thanks!