Carnival of Retirement 39th Edition

Welcome to the 39th edition of the Carnival of Retirement.  Enjoy!

Michelle @ Making Sense Of Cents writes My Retirement and Debt Plan – Retirement for us is still quite a long time for now, but we still have big hopes and dreams for how it will turn out.

Lance @ Money Life & More writes 5 Reasons We Won’t Separate Our Finances When Married – When I eventually get married to my current girlfriend we are going to combine our finances. It is what makes sense to us and what will work best for us. We could decide to keep our finances separate but we have our reasons why we won’t. So why are we so against us keeping separate finances?

Tim @ Faith and Finance writes 5 Budgeting Software Programs You’ll Love – Looking for some great budgeting software programs? Look no further. Whether you are wanting to manage your personal finances or business finances, there’s a budget program here for you.

Shilpan @ Street Smart Finance writes 6 Must Decisions for Your Financial Success – Let’s face it, we make many decisions every day. These decisions shape our lives. Our financial success hinges largely upon decisions we make with our financial choices. Like most other things in your life, you can achieve financial success by making wise decisions.

Michael Kitces @ Nerd’s Eye View writes What Makes Something An (Alternative) Asset Class, Anyway? – Many investors have been seeking better portfolio diversification by investing in “alternative” asset classes with a low correlation to traditional investments. In an increasingly complex financial world, though, having a low correlation alone can actually be a remarkably poor and misleading indicator of what constitutes an (alternative) asset class.

harry campbell @ Your Personal Finance Pro writes How To Really Save Money at Chipotle – This post was inspired by an article I read the other day entitled: 15 Ways to Save Money at Chipotle. Now I don’t want to throw another blog under the bus, but man were their ideas lame(google the article title to find it). In college, my friends and I stopped at Chipotle at least 1-2 times a week for dinner for three years straight, so I consider myself something of a Chipotle expert

TRL @ The Retired Landlord writes Reluctance to Home Insurance – According to a recent poll, half of those renting their homes and aged under thirty- five do not have any form of home insurance.

Ashley @ Money Talks Coaching writes Review of Cash Flow 101 The Game – I went to play the game Cash Flow 101 the other night. Here is my take on the experience!

IMB @ Investing Money writes Invest Money or Pay off Debt First? – Do you have debt that you want to pay down? Is it keeping you from investing? Find out if this is the best approach for growing wealth.

Tushar @ Start Investing Money writes What Kind of Average Returns Can You Expect on Mutual Funds? – This Post was Originally published at What Kind of Average Returns Can You Expect on Mutual Funds? on Start Investing MoneyIf you’re thinking about investing in mutual funds it makes sense you’d want to look into the potential returns you could expect first. Diving in with no knowledge of what to expect is a great route to disaster.

Don @ MoneySmartGuides writes Are Unions Bad for the Economy? – If you haven’t heard, the teacher’s union in the city of Chicago is striking. Last summer, there was a standoff between the governor of Wisconsin and the public employees union.

Corey @ Steadfast Finances writes How to Save Money Shopping – It’s that time of year where we will all start looking ahead to Christmas.

Roger the Amateur Financier @ The Amateur Financier writes World Domination 102 – Building a World Conquering Fortune – Humorous column on how to generate enough money to conquer the planet and work to build up your planet conquering fortune for fun and profit

Sustainable PF @ Sustainable Personal Finance writes Green Camping Tips – Green camping is not only a no brainer it is very easy to do. Here are a number of green camping tips anyone can use.

Rob @ Financial Sprout writes 10 Guitars Under $100 – Here are 5 electric and 5 acoustic guitars that won’t break the bank and will give you (or your aspiring guitarist) a great sound as a beginner.

MR @ Money Reasons writes Fincon12 – A Unique Perspective – Part 2 – This is my 2nd part on my look at Fincon12 – A Unique Perspective! This year it even had more value to me that the 1st year!

Maria @ The Money Principle writes How to buy your first commercial property – If you are in business you are likely to need premises. This is a simple guide to buying commercial property.

Ryan @ Early Retirement Investments writes Take Control of Your Investment: Trade Forex – Take control of your investments and consider Trade Forex!

MMD @ My Money Design writes My Dividend Paying Stocks Income Report – September 2012 – Here are the results of my 2012 Quarter 3 dividend paying stocks. Dividends are a great way to creative passive income, lower tax payments, and retire early.

Greg @ Club Thrifty writes Should We Try to Leave Something Behind – A guest post from My Money Design asks are you planning to use up all your money during retirement, or do you want to leave something behind for your loved ones or noble cause?

Kyle @ The Penny Hoarder writes How Does Our Credit Card Debt Compare to the Rest of the World? – As a collective continent, our money is burning a proverbial hole in our pockets. Except, it’s not quite our money. It’s our credit cards.

TDB @ Tax Deduction Blog writes Brand New Spouse, Brand New Tax Issues-Enjoy – Awww, welcome back from you honeymoon in Bali, where the sun, sand, fragrances, and food provided a surreal paradise for you and your new spouse. You probably had a great time honeymooning and are looking forward to continuing that loving feeling now that you are back in the States. Unfortunately, you got married on February…

Suba @ Broke Professionals writes Making The Most Of Your Retirement – Making The Most Of Your Retirement is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. “So where are you from?” the driver of the shuttle asked my husband and me as he drove us around Walt Disney World on our recent vacation.

Rod @ ROD Blog writes British Airways Visa Signature card : 100000 points promotion – British Airways Visa Signature card with 100000 points promotion is back. Sign up and earn the points for a free business class round trip ticket.

Rich @ Growing Money Smart writes What One Skill Is Holding You Back From Being Rich? – What one (or two) skills are holding your back from accomplishing your dreams? Identify the weakness and work on it daily, soon you’ll find that you aren’t as weak as you thought.

Crystal @ Budgeting in the Fun Stuff writes Where to Go for Your Roth IRA Needs? – One of the better options in the realm of asset management is investing in a Roth IRA, or Individual Retirement Arrangement. Where to go for a Roth IRA?

John @ Married (with Debt) writes Life Insurance for Working Women – I’m not sure why, but my wife and I have never really talked about needing life insurance for her. Of course she reminded me year after year that I needed to get life insurance in case I died, something I finally did last year.

Daisy @ Add Vodka writes Teach People How to Treat You – Are we inadvertently showing people how to treat us in a negative way? I think that the majority of us are. I read this article from PR Daily called “25 things young professionals must know before 25?.

Invest It Wisely @ Invest It Wisely writes You Don’t Have to be a Born Entrepreneur – Well, I’m proof that anyone can be an entrepreneur, whether they’ve been dreaming about it since they were kids or only since yesterday. I’m Not a Born Entrepreneur

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes WEALTH BUILDING ADVICE FROM SELLING LA – Make a few smart money moves and become wealthy. Learn from a pro basketball player to build wealth.

Luke @ Learn Bonds writes Bill Gross is Bullish On Municipal Bonds (Bearish On Treasuries) – Why Bill Gross sell off his treasuries and up his exposure to municipal bonds, and what can investors learn from his recently move.

PITR @ Passive Income To Retire writes Truly Passive Real Estate Investing – Find out how I found a way to invest in real estate without spending any time managing my money. It’s truly passive!

Debt Guru @ Debt Free Blog writes Pros and Cons of Debt Consolidation – Debt consolidation may not be the best thing for those in debt. Find out what the pros and cons of consolidating your debt.

Kanwal @ Simply Investing writes Can You Learn Investing From a 106 Year Old? – Irving Kahn is an American value investor and money manager and the oldest living active investment professional at 106. He was an early disciple of Benjamin Graham, the creator of the value investing methodology. In his own words, here is some investing wisdom: “You stick to value, to Benjamin Graham, the man who wrote the bible for the market.

SBB @ Simple Budget Blog writes Budgeting Should Be Fun – Do you ignore budgeting because it is too much work or seems to boring? Find out how you can make it budgeting in order to improve your finances.

Tushar @ Finance TUBE writes Top 5 Financial Websites for Mothers – Today we will talk about the top 5 financial websites for mothers. With high divorce rates and single mother hood, women are often lucked with full responsibility of the entire households. Fortunately there are now many internet websites to cater the women’s weak financial needs. Our Families Our Future:

A Blinkin @ Funancials writes Who is More Powerful – Barack Obama or Ben Bernanke? – In my last article, I asked the question: (Are Republicans or Democrats Better at Reducing Unemployment?) The comments and emails I received gave me confidence in my (average) reader.

Jester @ The Ultimate Juggle writes Juggling Money Issues – Life Insurance – Spending money on a life insurance premium is difficult. Find out whether the premium is worth it for your family.

Jennifer Lynn @ Broke-Ass Mommy writes Broke-Ass Monday; Free Stuff From Around the Web (9/17/12) – Read about all the great free stuff on the web!

Daniel @ Sweating the Big Stuff writes What’s The Difference – Realtor vs. Real Estate Agent – You’re about to buy your first home and you want to work with a professional to guide you. You’ve got two options: a Realtor or a real estate agent.

krantcents @ KrantCents writes I Always Wanted 911 Porsche Cabriolet! – I always wanted a Porsche convertible! It doesn’t stop there; I like Ferrari’s, Aston Martin’s, BMW’s, AC Cobra’s and much more. I like antique and classic cars too. Maybe it is a fantasy, a dream or a goal.

Ted Jenkin @ Your Smart Money Moves writes Teaching Kids Financial Responsibility – It’s Your Retirement OR Their College Education – For many parents in their 40’s, a loud and disturbing wake-up call is beginning to happen.

Jen @ Master the Art of Saving writes Getting The Best Deal on Large Purchases – Aside from trying to find our new refrigerator on sale, clearance or as a returned or damaged item, there are other things we can do to make the deal even……

Corey @ 20s Finances writes Invest In Yourself – Find out how following your dreams and investing in yourself can improve your life. Stop sitting around waiting for life to come to you.

CAPI @ Creating a Passive Income writes 4 Steps to Declaring your Passive Income to the IRS – Do you know the tax implications of making a passive income? Here are four steps to declare your passive income streams to the IRS.

Investor Junkie @ Investor Junkie writes LearnVest Review – Lately, there as been increased interest in encouraging women to learn more about money management, and get involved in their own finances — especially when it comes to investing. Enter LearnVest, a financial management web site aimed at women.

Jon the Saver @ Free Money Wisdom writes Most Popular Outsourced Jobs – Companies are outsourcing jobs more than ever these days. Learn about the most common outsourced jobs and how to avoid them!

Sean @ One Smart Dollar writes How to Go on Cheap Dates Without Being Cheap – Even after you’re married it is important to spend time together without the worries of kids or anything else that might be getting in the way. There are great options for going on a date and still keeping the cost low.

PPlan @ Provident Plan writes Investing Principle: Diversification – Any smart investor is going to look to look to both protect their investments while also securing the best return possible.

Eddie @ Finance Fox writes Are Daily Deals Actually Deals? – Companies who participate usually receive a very small amount of money back from what is sold. Most daily deal sites give the company 50 Percent of the deals that are sold.

J.P. @ Novel Investor writes How Bond Ratings Work – Bond ratings make it easy for investors to understand the default risk of a bond, while still taking into account all the other risks.

SFB @ Simple Finance Blog writes Chapter 7 vs. Chapter 13 Bankruptcy – This post discusses the advantage, disadvantages and credit impact of both Chapter 7 and Chapter 13 bankruptcy. Which is a better option?

JP @ My Family Finances writes Your Net Worth Is Lying to You; Don’t Let Your Family Be Fooled! – It’s not good enough to simply seek maximum net worth and leave costs out of your financial decisions.

Shawanda @ You Have More Than You Think writes 5 Travel Hacks Learned at FinCon12 – If you follow me on Twitter, Facebook, or FourSquare, then you might’ve noticed I left my beloved District of Columbia for a few days. Where’d I go, you ask?

Hank @ Money Q&A writes ReadyForZero Helps You Take Control And Get Out Of Debt – ReadyForZero helps you take control and get out of debt by making good financial decisions. This free platform helps users manage your credit cards, student loans, mortgages, and more to get a full picture of your finances.

Sicorra @ Tackling Our Debt writes Mortgage in Canada: What You Need to Know Before Applying for One – When it comes to mortgages in Canada things change quite quickly. In this interview Michael, a mortgage expert, brings us up-to-date and tells us what we need to know before applying for a mortgage.

Amanda L Grossman @ Frugal Confessions writes Oprah is Missing One Element in Her Definition of Luck – Oprah’s Definition of Luck: Where opportunity and preparation meet.

Miss T. @ Prairie Eco Thrifter writes Identify Your Money Motivations – Understanding what you want from your money, and from your life, will help you make the changes in behavior that really matter to your finances, and that can actually help you improve your quality of life.

Evan @ My Journey to Millions writes Dividend Toolkit Review – While I am usually not a fan of e-books when dividend loving blogger DividendMonk asked me to review his Dividend Toolkit I knew this was going to be an exception. Right off the bat you can tell that *this* e-book is different as it is 200 pages broken up in 6 intro topics and 6 advanced topics (along with spreadsheets in multiple formats to work through the advanced sections).

Mr. Money @ Smart on Money writes Best Ways for Young Workers to Save for Retirement – Albert Einstein once described the principle of compound interest as one of the most powerful forces in the world. While he may have been exaggerating, there is some truth to that statement.

Ken Faulkenberry @ AAAMP Blog writes Shiller PE 10: An Important Stock Market Valuation Tool – An explanation of PE 10 as a stock market valuation tool. How to use PE 10 to improve long term returns and lower risk of portfolio drawdowns.

Peter @ Bible Money Matters writes Personal Capital Review: Manage Your Cash and Investment Accounts – One of the apps that has been gaining momentum in recent months is Personal Capital. This is a web-based application that works kind of like, but takes it up a notch.

Passive Income Earner @ The Passive Income Earner writes Forex: review – In a previous post about foreign exchange, I learned about as an online currency exchange house. I was quite eager to give it a try in order to avoid driving downtown just to exchange my US dollars.

Steven @ Grocery Alerts writes Starbucks Rewards Program Changes – Oct 2012 – One of our favorite rewards programs, Starbucks Rewards, is making some major changes as of October 16, 2012. Major changes include no more soy milk and free syrups and free drink or food on your birthday.

Kim @ Modest Money writes Fostering a Pet Can Make You Rich – Fostering a pet is a wonderful way to test the waters of ownership before you take the plunge. You can potentially try it before you buy adopt it and see if you have what it takes to be a forever parent. Fostering also gives those on a budget a way to get the benefits of pet ownership without the costs.

Wayne @ Young Family Finance writes Dangers of working without professional indemnity insurance – One thing that you would not wish to be now is a banker who was involved in the recently reported misrepresentation of Libor, and who had failed to ensure that he had adequate professional indemnity insurance (PII). Neither would you wish to be the insurer of bankers who do have adequate cover.

Jason @ Work Save Live writes Is it Necessary to Buy a House? – Should You Buy a House? Whether it’s friends, family, or colleagues, it seems like everyone these days wants to buy a house.

ETZ25 @ Entertainment Timez writes Difficulties Convincing Kids To Invest Money – Strategies to convince kids to invest money in the stock market! Read my concerns and the options that I am pursuing.

Aloysa @ My Broken Coin writes How To Marry Your Equal – When I say about marrying your equal, I do not refer to a social status or a paycheck. Equal to me means anything but status. Money, a big house, a sporty car, a big savings account does not make you equal. Read my definition

Savvy Scot @ The Savvy Scot writes The Financials Around Starting a Blog – Savvyscot discusses some of the key decisions that you will have to make when starting a job and where it is worth spending some extra money

Paul Vachon @ The Frugal Toad writes How to Save for a Home Down Payment – If you are planning to buy a home, you know it takes a lot of money. However, it takes a lot of planning as well. Here are some things to consider when saving money for a home, and what you need to do to get your finances in order so that you can afford a home.

Miranda @ Financial Highway @ Financial Highway writes Steps to Buying a House – If you are interested in buying a house, though, there are a number of steps you need to follow. A home purchase is a major commitment. It’s not something to be taken lightly, especially since you will be asking a lender to allow you to borrow a large sum of money. You need your ducks in a row if you expect to successfully buy a home.

Dave @ Excess Return @ Excess Return writes Finding a Dependable Financial Advisor – Even the savviest of investment managers cannot singularly select and track stocks in different asset classes, and have experienced teams helping them with data collection and analysis. So an individual investor will likely not succeed at this new diversified market-neutral investing paradigm without help.

Glen Craig @ Free From Broke writes Roth IRA 5 Year Rule on Withdrawals – Understanding the Roth IRA 5 year rule for withdrawals isn’t that hard but it’s important to understand should you need to take money from the account.

William @ PT Money Personal Finance writes The Effects of Inflation and How to Prepare for It – Is “stagflation” on the horizon? If so, there are some things you should do with your income, investments, and expenses in order to prepare your household.

Lazy Man @ Lazy Man and Money writes Wills Vs Trusts Revisited – I went to see Janet Brewer an estate planning attorney in Palo Alto. She was kind of enough to offer a free hour consultation. What I found out was that we probably don’t need a trust.

Jacob @ I Heart Budgets writes How To Save Money: New Dishwasher – Don’t you hate it when your appliances unexpectedly die? I don’t! I bust out the good wine every time we have a mechanical casualty!

Marie at Family Money Values @ Family Money Values writes What is Retirement Really Like? – Straight from the horse’s mouth (i.e. someone who has been retired a while) – what it’s like to be retired – what retirement really is.

Steve @ Canadian Personal Finance writes Free Your Budget With These Simple Tips to Reduce Credit Card Debt – If you are like most people, you probably have a credit card or two (or three, or four) sitting in your wallet or purse. In fact, the average Canadian carries a total credit card balance of over $3,200 at any given time. While this may not sound like a lot, credit card interest payments, fees, and penalties can eat at your monthly budget, making it difficult to save money or put it towards other more worthwhile expenditures. These tips will help you effectively put a credit card debt reduction.

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