Carnival of Retirement

JP @ My Family Finances writes 10 Tips for Choosing the Best Home Loan – Not all home loans are created equally, and some mortgages are more beneficial than others. When purchasing or refinancing a house, consider these tips on selecting the home loan that works best for you.

Tushar Mathur @ Everything Finance writes 5 Ways To Save Money When Traveling – Traveling is costly, but add in all the extra fees and it can get even more expensive. Here are 5 ways to save money when traveling so you can avoid them.

Don @ Money Reasons writes The Beauty Of Robotics and Technology – In this article is my vision of what robotics and technology could do for us in the not too distant future.

Crystal @ Budgeting in the Fun Stuff writes Why You Should Hire a Fund Manager For Your Retirement – Have you thought about investing for your retirement? Here is why you should hire a fund manager for your retirement.

Bargain Babe @ writes What Should I Do About This College Debt? – What Should I Do About This College Debt? offers tips on saving money every day.

Suba @ Broke Professionals writes Don’t Live Life for the Taxman – Taxes can really take a bite if you do well and have high income. It may be tempting to live life by the IRS’s rules to lessen the bite.

Minimalist @ Minimalist Finance writes Setting Your Housing Budget – Setting Your Housing Budget has been published on Minimalist FinanceWhen you are thinking of buying a home, there is something daunting about setting your budget, especially as first time home buyers.


IMB @ Investing Money writes Determining How Much Money You Need to Retire – Figuring out how much money you need in order to retire may seem pretty difficult, as there are a lot of variables that may be hard to answer, but the answer may not actually be as tricky as it seems. Consider the following factors to get an idea of just how much you will need to retire.

Mike @ Personal Finance Journey writes 5 Unique Money Saving tips When Dining Out – Simple and unique ways to help you save money when dining out with friends family or on your own.

Corey @ 20s Finances writes Retirement Moves to Make in Your 20s – Preparing for retirement while in your twenties is best accomplished by getting on the right path instead of focusing on the details.

Wayne @ Young Family Finance writes Preparing to Start a Young Family – It’s important to budget – especially when adding to your home. The financial checklist you need when you’re about to start a young family.

Maria @ The Money Principle writes Should we buy property? – Is investing in property still worth while for the next 5 years?

Crystal @ Married (with Debt) writes It’s Open Enrollment Time – It’s that time of year again, Open Enrollment. It’s that one time a year that I can make changes to my health benefits for the following year.

Tushar @ Start Investing Money writes Visualisation analytics and the new portfolio – The concept of data visualisation may seem like the ‘buzz’ trend right now but there is good reason why so many are latching on to this technique, not just in finance but across every industry.

CAPI @ Creating a Passive Income writes If I Had $1000000: Managing and Investing Large Sums of Money – So you get $1000000 (I wish!) What do you do with it? You have to strategize and invest. Read here for tips on managing large sums of money!

Ted Jenkin @ Your Smart Money Moves writes Local Library: You Pay for This! – Some of my clients always ask, Cristina, what do you do in your free time? Well, one of the things I do in my free time is read.

Dominique Brown @ YourFinancesSimplified writes 5 Major Myths About Retirement – Many of us put some money away here and there for our retirement, but very few of us truly understand how much we will really have in the future. After inflation, how much will your million dollars really be worth/? If you plan to retire 30 years from now, that million bucks might only The post 5 Major Myths About Retirement appeared first on Your Finances Simplified.

Hank @ Money Q&A writes How Macro Economic Issues Affect Middle Class Americans – In this episode of the Money Q&A podcast, “Your Money: Your Choices”, I interview Frank Trotter, the President of Everbank Direct, and we talk about how macro economic issues affect everyday middle class Americans.

Kyle @ The Penny Hoarder writes Financial Considerations for Anyone Who Wants to Have Children – According to CNN, the average cost to raise a child born in 2012 is $241,080. For the sake of clarity, this number applies primarily to middle-income, American couples, and could be much higher or lower, depending on where you live.

Daniel @ Make Money Make Cents writes Pay your Bills to Save Money? Yes, you can – By implementing these tips you will actually save money while paying your bills and also save yourself quite a bit of time and stress as well.

Oscar @ Money is the Root writes Do You Need Professional Money Help? Some Signs that say Yes – One of the most important things than that you can do for your financial health is realize when you need help and, even more, actually get help if you need it.

Danielle @ Saving Without a Budget writes Financially Organize your Life in 10 Easy Steps – Even with all of the smart phone financial apps available, there are still millions of people who organize and file their financial paperwork in shoeboxes that they store in the back of the closet.

Bob @ Dwindling Debt writes Great Tips for Cutting Expenses in Retirement – The average retired person already knows how to live on a fixed income, especially if they have been retired for a number of years.

Natalie @ Debt and the Girl writes Being an Anonymous Blogger and Compromising with Myself – I am the type of private person that likes to blog for an undisclosed amount readers and discuss personal details of my life.

Alexa @ Defeat Our Debt writes How to Pay Off Debt & Increase Your Income the Fun Way – In order to speed up your debt repayment you will have to locate extra funds to throw toward it. You can either continue down the path you’re on or earn extra money.

Sustainable PF @ Sustainable Personal Finance writes The Importance of Saving Early – When my husband and I first married, we were poor and in debt. It was a difficult place to be, and, even as we made inroads and improved our finances, we still felt pinched. As a result, we decided that we could not afford to set aside money for the future.

Adam Kamerer @ Stop Worrying About Money writes The Single Most Important Thing To Do In A Financial Crisis – A financial crisis can strike completely without warning. When a financial emergency happens, here’s the single most important thing you can do get your feet under you.

FI Pilgrim @ FI Journey writes FI 101: Chart Progress To Stay Motivated – In this post I will give you a rundown of how I chart progress towards financial independence, to motivate myself to drive income up and expenses down.

Caroline @ On Better Terms writes Poor Man’s Lasagna – As Fall turns into Winter and nights get colder, the time for comfort food is here. Here’s a recipe for an inexpensive and easy-to-make take on lasagna.

Christopher @ This That and The MBA writes An Introduction to Annuities – Preparing for retirement can be one of the most daunting tasks we ever undertake in our lives. How are you supposed to set aside enough money to last from when you retire for the rest of your life? There are actually many products available that you can use to help secure a vibrant future.

Robert @ The College Investor writes Launching The Premier Investing Forums at The College Investor – When I started investing, there was really no good place to turn to for education and insight. As a result, I struggled a lot. I was just an 18-year old kid that really didn’t have a clue what I was doing.

Jon Haver @ Pay My Student Loans writes Student Loan Forgiveness For Teachers On the individual state level, many states will offer grants specifically tailored to teachers as well. In Alaska for instance, part of the AlaskAdvantage Education Grant Program has specific stipulations that tailor it towards students enrolled in studies related to teaching.

Justin @ Root of Good @ Root of Good writes Developing a Retirement Budget – Justin at Root of Good reveals his $32,000 per year retirement budget for a family of five. He explains the process of developing a budget for retirement that is based on your actual spending and what you actually plan to do in retirement (instead of a crazy “80% of pre-retirement income” rule).

Kim @ Eyes on the Dollar writes Making Early Retirement a Possibility – If early retirement is in your plans, here are some steps to make more money and spend wisely to reach your goals.

Little House @ Little House in the Valley writes Are Gen X and Y Lost in the Financial Shuffle? – On the flip side, the baby boomers’ children, mostly born in the 1970?s and ’80?s, were born at a time of decreasing prosperity riddled with recessions every 5 or so years. These are the Gen X and Gen Y members of society that were hit hard by recent recessions.

Jon @ Novel Investor writes Retirement Planning Guide – Whether you are starting early or playing catch-up, retirement planning is the best way to protect your financial future.

Harry Campbell @ The Four Hour Work Day writes Why I Picked my Day Job Over the Four Hour Work Day – I started this site because I know that one day I want to work for myself and I think four hours a day is the ideal work day for maximum efficiency and happiness. I will never understand people that kill themselves at their day job: working long hours, weekends and overtime solely for the money. And that is why they’re doing it, what other reason could there be? I would rather work less, spend less and live more as this site’s tagline would suggest. The world that we live in has so much to o


Carnival of Financial Planning – Better Late than Never!

OMG i missed it, I wish the emails would come with the dates that the carnival is scheduled to be posted for 🙂 Well.  I missed it and here it is without further adieu.


Jester @ The Ultimate Juggle writes How Much Money Can You Save By Breastfeeding? – Babies are expensive – breastfeeding can save money. Read my personal analysis and see how much I saved this way.

Dividend Growth Investor @ Dividend Growth Investor writes Do not despise the days of small beginnings – In this article I argue why it is important to start investing, even if you have small initial amounts of funds to invest. The most important thing about investing is simply to get started.

Harry Campbell @ The Four Hour Work Day writes “Unpaid Vacation vs. Regular Vacation “ – One of the perks of having a day job is getting paid when you go on vacation. Most companies start employees off by giving them 2 weeks of vacation plus holidays but that never seems to be enough. A lot of employers(especially in my field: engineering) are actually starting to give an extra week around Christmas time to New Years since not much work gets done during that time anyways. So that’s about 3-4 weeks of combined vacation and holidays for the average worker.

Sam @ Grad Money Matters writes Making Money on Etsy – Some Etsy owners make a very minimal amount of money by selling their products on Etsy. Can you make a liveable wage? Would you be able to make more money per hour by working somewhere else?

Lily @ Paying Debt Down writes How to Invest like an Old Pro (even if you’re a Young Amateur). – Something that your Wall Street broker never wants you to find out is that investing like a Pro is actually pretty easy. The fact is, practically anyone can put together a portfolio that’s well diversified with stocks, bonds and other investments with only a small amount of effort.

Christopher @ This That and The MBA writes Five Ways to Wreck Your Budget – Paychecks never seem to go as far as you think they should and your piggy bank is looking pretty empty these days. Some of the choices you make every day could be hurting you financially. By identifying the extraneous items you’re spending money on and eliminating those purchases, you can make a significant difference to your finances over the course of a few months or a year.

Brock Kernin @ Clever Dude writes What Happens When Couples Disagree About How To Spend Their Money? – All couples disagree about how to spend their money – how do you handle it?


Jim @ Save College Money writes All Colleges Are Not The Same – At one time in the past, all you needed to do to get a decent job was get a college degree from practically any college… but not anymore! Now the college you go to matters more than you think!

Tushar @ Earn More and Save writes 5 Ways to Earn Money on the Side – You’re busy. I get it. You want to earn extra money but don’t have enough time to dig through a pile of ideas to find the perfect one. Luckily, choosing a side job doesn’t have to be hard. You can and should do something you enjoy to bring in money on the side.

Little House @ Little House in the Valley writes Could a Financial Manager for ADHD Clients Be a Trendy Job in the Future? – I recently read an article targeted toward ADHD adults, “Managing Your Money When You Have ADHD.” The article listed a few solutions for forgetful, distracted folks, but it made me think about how this could lead to a potential niche job market; Financial Managers for ADHD clients.

Brian @ Luke1428 @ Luke1428 writes Even Jesus Had a Side Hustle? – Side hustles help individuals earn money aside from their full time job. Maybe that’s how Jesus and his disciples made ends meet.


Maria @ The Money Principle writes The Best Ways to Start Investing While Still in College – It is never too late to start investing so you may as well start while in college; still have to do it right.

Lindy @ Minting Nickels writes How to Get Back on Track… (Infographic) – Have you been given the yellow card in the game called, “Life?” Maybe this will jog your memory, that yellow card is a financial crisis, most likely puttin

Alexa @ Defeat Our Debt writes How to Pay Off Payday Loans and Credit Card Debt – It is not uncommon to fall victim to payday loan scams and credit card debt. It is just so easy to swipe a credit card without even blinking. After quite a few swipes you are unable to pay your bills on time.


SavingMentor @ How To Save Money writes Do You Really Care Who I Am? – There’s nothing really all that interesting about me. There. I said it. I’m just a normal guy working as a software developer who lives in a small city, makes a normal middle class income, had a pretty privileged upbringing, and who has a passion for not wasting money when I don’t have to. Spending all kinds of money on ridiculous things that add real value to your life is A-OK with me, that’s why I’m all about spending as little money as possible on your day to day living expenses s

Minimalist @ Minimalist Finance writes Ways You Are Wasting Your Money on Your Phone – While we all try to be good with money, it’s not always easy to consistently save when and where we are wanting to save. We end up splurging on things that we don’t need, or wasting our money unknowingly.

Suba @ Broke Professionals writes 6 Reasons Your Stuff is Worth Less Than You Think – My Aunt and Uncle, now in their nineties, loved their things. They tend to cherish their possessions, but should they?

Mrs. Accountability @ Out of Debt Again writes 6 Common Mistakes to Avoid with Annuities – Annuities are one of the most popular investments made by investors under 44 years of age.

SBB @ Simple Budget Blog writes Balancing Act – Why Reconciling Your Bank Accounts is so Important – Balancing your bank accounts is an important part of your budget. Don’t believe us? Read here to learn why it can help you.

Luke @ Learn Bonds writes Income Investing – Looking Beyond Stocks and Bonds – In this 4th article in our series on income investing, we explore opportunities for income investors outside of stocks and bonds.

Tushar Mathur @ Everything Finance writes Ideas for Cheap Halloween Costumes – Whether you’re thinking of putting together a cheap Halloween costume for your company potluck or needs some ideas for Halloween costumes for your children

Crystal @ Budgeting in the Fun Stuff writes How Being A Credit Card Delinquent Saved Me Thousands of Dollars! – This is his personal story about (Lyle at the blog: The Joy of Simple) battle with credit cards and what he has learned.

Rich @ Growing Money Smart writes What is a Stock? – What is a stock, is one of the first financial lessons I taught my kids!

Don @ Money Reasons writes Was the Removal of the Uptick Rule Stupid? – The “Uptick Rule” was removed back in 2007 after a pilot study said that no manipulations occurred.This is what the pilot study found “The general consensus from these analyses and the roundtable was that the Commission should remove price test restrictions because they modestly reduce liquidity and do not appear necessary to prevent manipulation.

Pauline @ Make Money Your Way writes How to Identify the Short Term Market Peak – This post will show you how to recognize the short term market peak when it happens.

Alexa @ Single Moms Income writes Tips from an Insurance Agent: How to Really Save Money on Insurance – I have been an insurance agent for a little over a year now. Even though I sometimes complain about my job, I promise you, I know personal lines insurance like the back of my hand.

Robert @ The College Investor writes What Happens If I Lost My Stock Certificates – When I was little, I used to love looking at paper stock certificates – I thought that they were so pretty. As I got older, I liked to look at paper stock certificates because I really was looking at money! However, now, I find dealing with paper stock certificates to be a hassle

John @ Frugal Rules writes OptionsXpress Review: An Online Brokerage Worth Looking At – Investing in the stock market is vital to building wealth and with the variety of options available of where to invest it can be confusing. Choosing a good brokerage that has good offering and low fees can be a great way to help grow your retirement portfolio and get your investing on the right foot.


Wayne @ Young Family Finance writes What You Need to Know About Flood Insurance – Do you need flood insurance? It could be a saver if you’re in an area prone to floods. Here is some information to make that determination.



Mr. Frenzy @ Frenzied Finances writes Moving Out: When You’re Ready to Buy a Home – Home-owning can quickly turn into a nightmare when not prepared. There are several factors to consider when deciding when you’re ready to buy a home.

Oscar @ Money is the Root writes Why You Should Buy A House Before 2014 – If purchasing a new home is something that you are planning to do in the next year, making that purchase during the last quarter of 2013 might just be an excellent idea.


Jon @ Novel Investor writes Roth IRA Rules: Everything You Need To Know – The Roth IRA has its advantages. But is it a good fit for you? This guide covers everything you need to know about the Roth IRA rules and more.

Carnival of Financial Planning: Friday the 13th Edition


Alexis @ FITnancials writes Save Money on Food AND Eat Healthy – I’m on a budget, and a kind of strict one as well. Since I am on a budget, I am always looking for ways to save money on food. Some people spend hundreds and hundreds of dollars on each person in their family on food. Some families have food budgets in the thousands each month, which amazes me!

Matt @ Budget Snob writes Easy Ways to Start Saving – Today we live world where being a big spender is a symbol of status and is seen as positive, but saving money and frugality were once considered great virtues.

Justin @ Digit Fox writes Renting Versus Owning – Have you ever noticed how renting seems to carry some negative stigma with it? People are all in favor of going into debt to own an asset, but should you temporarily borrow said asset all of a sudden it becomes the worst financial move you can make.

Jack @ Money Saving Ethics writes What Can Financial Planners Do For You? – One subject that, unfortunately, is not taught in high school is the subject of financial planning. The simple fact is that everyone, no matter who they are, will have to deal with finances and financial planning as adults.

Daniel @ writes When You Should Pay Bills Manually – I have automated just about everything, but there are a few times I still pay bills manually. There are only two reasons not to automate bills.

Ted Jenkin @ Your Smart Money Moves writes You Are A Sole Proprietor: How About A Solo 401(k) – I am seeing more and more people quit the corporate America lifestyle and venture into becoming their own business owner.

Jacob @ Cash Cow Couple writes How to Lower Your Electric Bill to Zero – Tired of $300 electric bills? Come check out our advice on how to lower your electric bill to under $50 per month.

Nick @ A Young Pro writes Which Budgeting System is Right for You – Do you hate the “B” word? I used to hate budgeting too and I learned to use a budgeting system. Now my budget is a breeze.



Adam @ Money Bulldog writes Would Taking on a Second Job Suit You? – Many people have at some time in their life considered a second job, but would a second job suit you?

krantcents @ KrantCents writes 25 Odd Jobs that Make Good Money – Ever wondered how people end up in most unusual jobs? The reasons for taking up odd jobs could be many, such as making quick money, realizing passion or yearning to do something new and different. Sometimes these seemingly odd endeavors turn out to be great platforms for building personally rewarding professions.

Buck @ Buck Inspire writes Workplace Productivity In America – Due to Baby Buck’s ever changing sleep patterns, my energy levels have been all over the map. I’ve been compensating by taking quick power naps during my lunch break. Take a look at workplace productivity and another way to deal with low energy.

Corey @ 20s Finances writes Tips for Landing a Job Through Craigslist – Learn three practical steps to help you get a job through craigslist. You’ll be amazed at how easy it is to stand out from others.

Roger the Amateur Financier @ The Amateur Financier writes 13 Ways to Control Your Student Debt – With fall upon us, it’s time for the leaves to start changing, the air to start getting brisker, and of course, the students to return to the colleges.


Wayne @ Young Family Finance writes The Light at the End of the Financial Tunnel – Hitting a financial wall? Stuck and don’t know what to do? Read here for some great advice to find the way through your financial troubles.

David @ Financial Nerd writes Lending Money To Friends – I made this terrible mistake a few months ago of lending money to my friend. It has not turned out well


Anton Ivanov @ Dreams Cash True writes 5 Reasons You Will Never Reach Financial Freedom – The vast majority of people will never reach financial freedom. Is one of these 5 reasons going to stop you from becoming financially free?

Kyle @ The Penny Hoarder writes The 4 Best Lottery Winner Stories – Whether you go to the gas station or convenience store and pick up your lottery ticket or instead frequent a site like William Hill 49s, you likely play the lottery because you dream of winning it big.

Luke @ Learn Bonds writes 6 Things to Like About Treasuries – I am frequently amazed by the plethora of financial pundits that will openly admit they can’t think of any reasons why investors should own Treasuries.

Daisy @ Suburban Finance writes Saving Money On Food – This article will describe how to save money on food and in the grocery store to ensure that you are saving as much as possible and eating on the cheap.

Tony @ We Only Do This Once writes Downsizing Within Your Home – After our wonderful 7 weeks in Vermont this summer, our family returned to Jersey and instinctively began to get rid of stuff yet again. We have spent the past 2 years seriously decluttering, yet somehow there was even more to do. After almost two months in a small cottage with mostly only necessities, the exercise seemed pretty fluid this time around.

Bargain Babe @ writes Save Money On Groceries: Stop Buying These Foods – Save money on groceries by never buying these 25 foods again. You’ll be surprised how much money you can save!

Michelle @ The Shop My Closet Project writes Using up my stuff, and debt pay off updates! – Ok, I’m going to admit that I’m beginning to be a little alarmed by how much product I apparently have. Several months ago I decided not only to stop shopping for clothing items, but to use up the product that I have. I’m looking forward to picking up the pace on my debt repayment during the cold weather months.

Jester @ The Ultimate Juggle writes Your children and technology: how much is too much? – All good things come in small packages. In other words, best to keep everything in moderation than indulge ourselves silly on the things that we like. It doesn’t matter whether you are talking about food, clothes, cars or the latest computer games.

IMB @ Investing Money writes Getting Technical – Investing in the markets can be a challenge, but we can make it easier. Read here for tips on investing and how to invest in the markets today.

Monica @ Monica on Money writes 7 Things I Refuse to Give Up to Save More Money – I love saving money (who doesn’t) and some would even say I’m cheap! So I recently started looking for ways to save money on everything, but there are 7 things I refuse to give up to save more money.

DW @ Great Passive Income Ideas writes What Are Some Good Online Residual Income Opportunities? – The Internet has got some great online residual income opportunities that will help you earn that extra cash you need. Here are a few tips you can try.

Matt Becker @ Mom and Dad Money writes The Peer-to-Peer Lending Numbers They Don’t Want You to See – I see a lot of glowing reviews of peer-to-peer lending extolling the high short-term returns earned by the people singing its virtues. These reported returns have always seemed a little fishy to me, so I decided to dig a little deeper. Today, I want to share some of the results I found that the peer-to-peer lending marketers hope you never see.


SBB @ Simple Budget Blog writes Meeting the Mouse: Budgeting a Trip to a Disney Park – Going on a Disney vacation? Great! Time to budget. Read for the budget categories you need to fill up in order to head out to one of the Disney parks.

Cat Alford @ Budget Blonde writes Reevaluating My Student Loan Plan – I’ve been taking some time to reevaluate my student loan plan. There are a few reasons why. Here are a few of them.

FI Pilgrim @ FI Journey writes Imagine The Freedom Of Owning A House With No Mortgage – What would your life be like if you owned your home free and clear? How would having a house with no mortgage payment every month free your money up?


MR @ Money Reasons writes Last Quarter Cash Flow Changes – Time to make some cash flow changes for the rest of the year as I come to the realization that my numbers don’t make sense. See how I adjusted my financial planning model accordingly.

Adam @ Money Rebound writes Could You Afford to Retire Early? – Taking early retirement is a dream for many people in full time work. So can you afford to retire early or will it remain just that, a dream?

Crystal @ Budgeting in the Fun Stuff writes Staying on a Budget in High Cost of Living Areas – Unlike my buddy Crystal in Texas, I left the area right after college for grad school in Pittsburgh. At the time, I thought that was outrageously expensive but DC is worse. It’s hard to keep a budget for me here, read why.

Yakezie Carnival for August 25

yakezie carnivalY for yakezie carnival…Well we are out on the boat today enjoying the nice weather.  Here are a few great posts to tide you over until you can see me again on monday 🙂

Ahh before we start some business I want to avert your eyes to: Check out my Guide to Successfully Start a Blog
Michelle @ Diversified Finances writes What Not To Do When Leaving Your Job – I know that everyone has different reasons for leaving their job, and sometimes it is a really toxic environment that you are trying to leave.

Emily @ Evolving Personal Finance writes Blog Statistics Update July-August 2013 – Our blog got a couple big links this month, which helped with traffic – see all our stats and rankings!

Tony @ We Only Do This Once writes Lessons Learned From 7 Weeks in the Woods – I just came back from living in Vermont for over 7 weeks, and I feel rejuvenated (as always is the case!). To leave the suburbs of New Jersey and the craziness of New York City for some time is always very healthy for me and my family; I always learn something, and I try to bring the knowledge back to real life for as long as possible.

LaTisha @ Young Finances writes Budgeting Basics for Recent Grads and Young Adults – Looking to budget for the first time? Try this sample budgeting template from Young Finances and decide how to save your money as a young adult.

Maria @ The Money Principle writes How to Get By with a Bad Credit History – Bad credit, unpleasant as it may be, is a fact of life, This articles offers four tips to survive and impove bad credit history.

Mr. Frenzy @ Frenzied Finances writes Stress-Free Selling: 5 Ways To Make Selling Your House a Breeze – Selling a home can be a difficult process. But it doesn’t have to be that way! Read here for great tips on selling your house so you can do so with ease.

Mike @ Personal Finance Journey writes Helping Your Children Make Responsible Decisions – Do you take the time to help your children make responsible decisions in finance, life and day to day living?

JP @ My Family Finances writes 3 Smart Family Business Ideas that Everyone Would Love – The following are three different family business ideas you may find interesting if you’ve been feeling the itch to start something with your close ones.

Jacob @ AllPersonalFinance writes How to make a profit on your home – Whether you can make a profit on your home is not always in your hands, because depending on the market and when you bought and at what price you may have to sell at a loss. Read how to do it right and make a profit at home!

Cat Alford @ Budget Blonde writes How To Travel In India: Tips From My Husband – If you want to know how to travel in India, here’s an in depth recap from my husband’s three week trip! From rural India to the Taj Mahal, he shares it all.

Tushar Mathur @ Everything Finance writes What Are You Going to Sacrifice When You Have Children? – My aunt used to tell the story of the cute little girls that lived next door to her in their subdivision.

Don @ MoneySmartGuides writes On The Road to Good Credit – Infographics are all the rage right now. I came across the great infographic below. Having good credit is key so that you can get the lowest interest rate possible when you borrow money.

Bargain Babe @ writes How Do You Run a Swap? – How do you run a swap? Here are general outlines of five different kinds of swaps and what it takes to run them.

krantcents @ KrantCents writes It’s Never Too Late to Be What You Might’ve Been – It’s Never Too Late to Be What You Might’ve Been, so never give and read my article why.

Kyle @ The Penny Hoarder writes Tips for D.I.Y. investors – There is a huge amount of advice out there for would-be investors. This ranges from professional investment advice through to doing your own research online and by reading the financial press. Putting together your own portfolio of investments can be a daunting task but these tips will help you on your way.

Lauren @ L Bee and the Money Tree writes Paying Off Your Student Loans with SmarterBucks – Review of the SmarterBucks student loan paydown product offered by SmarterBank.

MMD @ IRA vs 401k Central writes Getting to Know the 401k Rules of Your Employer Retirement Plan – Getting to know your 401k rules isn’t difficult. By just understanding the basics, you can grow your money tax free and get free money from your employer.

DW @ Great Passive Income Ideas writes What Are Passive Income Streams? – Want to know what passive income streams are? They’re how the rich get richer while the rest of the world simply slaves away at work. If you want to work less and make more money, then read on to understand them better.

Eva Baker @ TeensGotCents writes Teen Entrepreneurs – Ben Lamb – Teen entrepreneurs are becoming more and more common. Meet Ben Lamb and his business ‘Mail Box Post Shield’. Another great business idea for teens!

Matt @ Living in Financial Excellence writes When Your Values and Beliefs About Money Are Tested – I was doing some preliminary research in getting pre-approved for a mortgage. One of the lenders I was looking at pulled my credit report and found out that my FICO score was . . . . 780. For those of you who don’t know, 780 is a pretty good score and it allows me to qualify for the best mortgage rates out there, despite not using credit cards or taking out car loans.

Luke @ Learn Bonds writes Don’t Get Ripped Off by This Bond Market Shenanigan – An example of the dangers of retail investing in the corporate and municipal bond market. What you should know before investing.

Mike @ Annuity Rates HQ writes What is an Annuity? – An annuity is a contract offered by Life Insurance Companies. In exchange of a lump sum of money provided by the investor, the Life Insurance Company guarantees a steady income stream usually paid monthly. In other words; the investor gives the Life Insurance Company his money in return to get a secured pension payment.

Ryan @ Cash Money Life writes Types of Insurance Homeowners Need – Homeowners need several types of insurance to protect their largest investment, including homeowners, title, liability, umbrella, and flood insurance.

Daniel @ Sweating The Big Stuff writes I’m Canceling My LLC Because There Are Too Many Rules – Because of the high fees associated with my LLC, I am canceling my LLC and saving my money.

Monica Iannacone @ Monica On Money writes How To Be Frugal When You’re Not – Even if you are not normally frugal, you can act frugally. Here are some ideas on being frugal when you’re not.

Buck Inspire @ Buck Inspire writes Pay Off Your Debt With Good Financial Cents and The Soldier of Finance Jeff Rose – I have been a big fan of Jeff Rose for a long time. What’s not to like? He has zany video blogs, terrific FinCon video recaps, and leads nationwide movements (Roth IRA, Life Insurance, and Debt).

Barbara Friedberg Personal Finance @ Barbara Friedberg Personal Finance writes 7 Ways To Make Money Fast – Increase wealth with creative ways to make money fast.

Hank @ Money Q&A writes Money Conversations Parents Must Have With Their College Freshmen – College students are graduating with an alarming amount of debt. Part of the trouble stems from our inability as parents to have money conversations with out college freshmen.

SBB @ Simple Budget Blog writes Forecasting: Budgeting for the Rest of the Year – Summer’s almost over! It’s time to look at your budget to see what expenses are coming up for the remainder of the year. Read here for tips!

Nathan @ Ask n Why writes Do You Meet All Your Customers Needs? – It is possible to see that you can meet your customers needs and then go beyond what they are expecting.

Kathleen O’Malley @ Frugal Portland writes The Value of Having Money – The real value of having money has nothing to do with how much you can earn.

FI Pilgrim @ FI Journey writes Be Flexible With Your Financial Goals – Goal setting is awesome, and has some great benefits. But what happens when your goals become restrictive instead of enabling?

Amanda L Grossman @ Frugal Confessions writes Is it Possible to Retire Early if You have Children? – The articles I recently completed on early retirement extreme were very popular. I received several questions as to whether or not you could do this with children.

Harry Campbell @ Your PF Pro writes The Best Customer Service is Now on Twitter – Most kids dream about becoming a firefighter or an astronaut or maybe even a customer service representative when they’re young. Oh wait, that last one might be more of a nightmare. Let’s face it: a job as a CS rep isn’t exactly a high paying one and most of the reps I’ve talked to haven’t been the brightest or even the nicest. You would think that stupid people would at least try and get by by being really nice, but maybe stupid people don’t know they’re stupid.

Jeremy Berretta @ My Financial Road writes Accountability…Do You Have It? – WARNING: profanity is inevitable… My run in’s here lately with people that have no accountability is astounding! Being accountable is something that many people read in the personal finance blog world, but out of all the times it is mentioned, does anyone ever talk about just it? Maybe people don’t know what accountability is or means..? OR maybe I’m just being a little too harsh and judgmental…nah, never that! So lets go through some of the basics of being accountable.

Christopher @ This That and The MBA writes Sticky Blog Posts: 8 Tips for an Effective Post – Certain aspects of a blog such as bounce rate, page-view’s and avg time which are crucial for making money depend upon the stickiness of your blog. As I mentioned above, stickiness has no relationship with your blogs design, its your blog posts which have to be optimized.

Invest It Wisely @ Invest It Wisely writes Historical Litigation: Patent Wars Throughout History – One could be forgiven for presuming that patent wars have reached their peak in 21st century super-technology disputes, read what a mess this topic can be

Debt Guru @ Debt Free Blog writes Short Term Success: How To Raise Your Credit Score Fast – Looking to raise your credit score? It can be a pain, but it’s certainly doable. Read here for excellent tips on how to raise your credit score fast!

Paul @ The Frugal Toad @ The Frugal Toad writes 5 Things You Should Be Doing to Lower Credit Card Debt – Lets be realistic, most of us will probably never be debt free. In fact, the average American carries over $80,000 in mortgage debt at age 65 and leaves a balance of about $60,000 to their estate. We need debt in order to make major purchases like a home, a car, or an RV.

MR @ Money Reasons writes Financial Emergencies Happen! – Sometimes what we intend, and what happens are unavoidable. Financial emergencies happen, no matter how well prepared we are, but why not arm ourselves with weapons of knowledge. Check out these lessons from the following financial emergencies.

Grayson @ Debt Roundup writes One of My Biggest Money Mistakes – We all make mistakes, but I wanted to show you that some can be very costly. When I first got out of college, I had a good job and good money coming in. My spending side took control and I made a bad purchase. It is still one of my biggest money mistakes.

Matt Becker @ Mom and Dad Money writes The Hidden Costs of Having a Baby – You have many choices when it comes to baby expenses, some of which can significantly lower the cost. But there’s also a reality to face that raising a child can be expensive and that reality shouldn’t be taken lightly. Bringing a child into the world means you suddenly have someone who is 100% reliant upon you to take care of them. You don’t need to be Warren Buffet before tackling this challenge, but understanding the responsibilities and crafting a plan for financial security will certainly g

Rich @ Growing Money Smart writes 100K in Five Years Challenge Update 2013-08-01 – This is my ambitious 100k in five years goal of turning $24,000 dollars into 100k. Impossible you say? Maybe, but I’m going to give it my all!, we’ll see what happens. Follow me, I need the support!

Ted Jenkin @ Your Smart Money Moves writes 5 Ways To Save Money At Department Stores – There are ways to make money at department stores if you follow my suggestions! Read my top 5 ways to do so.

Daisy @ Suburban Finance writes Should You Buy a Smart Phone? – A post detailing whether you should buy an android and the factors to consider.

Dollar @ Easy Extra Dollar writes Finding the Problem: Quick Money – Your offering or product ought to satisfy a specific issue that your audience is both interested in solving and is willing to pay for the solution. Now, do not confuse the business of looking for information with the matter of looking for a solution.

Pauline @ Make Money Your Way writes Are you too busy to make money? – Too busy to make money? This post will show you that you need to stop adding more unpaid work to your schedule and look for paid freelance positions.

Pauline @ Reach Financial Independence writes What does Financial Independence really mean? – Anton explores the meaning of Financial Independence

Stuart Laing @ Daily Money Bucket writes How To Cope With A Windfall – Six simple steps to get the most from your windfall including, avoiding impulses, repaying debt and maximizing your enjoyment.

John @ writes Desjardins Insurance Company Review – On December 6th 1900, Alphonse Desjardins founded the Desjardins Insurance Company. Desjardins is the largest cooperative financial group in Canada. They focus on working for the economic and social well-being of their 5.6 million members.

Jon Rhodes @ Affiliate Help writes How To Attract More Affiliate Marketers? – If you sell a product online, then running an affiliate programme is a great way of increasing your sales. However it is often a problem attracting affiliate marketers to your programme. Here are some great tips from affiliate programme managers on how to attract affiliate marketers to sell your products.

Miss T. @ Prairie Eco Thrifter writes Make Life Better for Yourself and Just Breathe – Modern life seems to be lived at a hectic pace. There are so many things needing our attention, so much to see and do, that we can easily feel overwhelmed. If this state continues for an extended period of time, chronic stress can develop which affects the quality of life in a multitude of different ways. To help make your life better, you need to learn to relax; just breathe!

Grayson @ On Better Terms writes Making Money the Freelance Way – Have a marketable skill and need extra cash? Consider becoming a freelancer. You can make items, sell items, or provide a service to people. You would be amazed at what people pay for, especially online.

Jon Haver @ Pay My Student Loans writes Credit Score Monitoring For College Students from Equifax – With identity theft becoming one of the fastest growing crimes in the nation, college students who monitor their credit are less likely to be impacted as greatly by an identity thief. Any suspicious activity is noticed almost immediately, and the appropriate steps can be taken to repair the damage done.

John S @ Frugal Rules writes Investing in Stocks: Are You a Trader or Investor? – There are various strategies investors can implement in the stock market yet many do not stop to think which is best for them. This lack of preparation can significantly undermine their investing efforts and hinder their attempts to grow wealth.

KK @ Student Debt Survivor writes Fast Food Strike – Value Meals or Values? – You might recall that in late July, thousands of fast-food employees went on strike, demanding higher pay ($15 per hour) and the right to unionize. Would you pay $2 more for your value meal if it translated to better pay and a better standard of living for fast-food employees?

Steve @ writes Carl Icahn Invests in Apple Inc. – It wasn’t too long ago that the drop in Apple stock seemed like it would not stop as the price dropped all the way down to $400 a share after the death of legendary CEO Steve Jobs.

If you have made it this far, tell me what you are doing on this great Sunday!

Finally Warm in Central New York, Carnival of Money Pros

carnival of moneyprosWelcome to the first warm day here in Central New York, I mean the Carnival of Money Pros.

SB @ One Cent at a Time writes 15 Creative Ways to Earn Money Online From Home – People from around the world can cater to the global need for information and services, and, earn good money working from wherever they are. This article lists 15 very creative, legal and constructive ways of making money online from your home.

Glen Craig @ f writes First Comes a House, Then Marriage? – There’s a new trend where couples are buying a home or property before they get married. Is this wise? Are there benefits to this?

Glen @ Credit Card Smarts writes Credit Card Surcharges May Be At A Store Near You – Take a close look at the register when you make a credit card purchase. You may find some credit card surcharges added on.

Michelle @ Making Sense of Cents writes Should We Rent Our Home or Sell It? – Have you ever thought about buying a rental home and becoming a landlord? Maybe you are debating about whether you should sell your current house or rent it out, just like we are.

Lance @ Money Life and More writes How I Got a $520 Southwest Ticket for Free – Free airline tickets? YES PLEASE! Want to know how I did it? It really isn’t that complicated at all. The only bummer about the whole situation is that the ticket isn’t for a flight for me. I got the ticket so my brother could fly out to my upcoming wedding which is pretty awesome if you ask me.

Emily @ Evolving Personal Finance writes Pulling Back the Veil on Our Daily Money Management – I detail exactly how we manage our money throughout the month. We have joint finances and track using Mint but this post goes into much more of the minutiae for financial voyeurs.

Irfan @ Everything About Investment writes Money Saving tips for 2013 – According to Bureau of Economic Analysis, on an average, Americans save around 4 percent of their income. But some great savers manage to save more than that. Here are some money saving tips for 2013, go through these tips and find which you can apply and use them in your life and you’ll quickly find yourself saving some serious money.

Mike @ The Financial Blogger writes How You Can Help The World Out – Are you helping this planet out?

Green Panda @ Green Panda Treehouse writes What If You Suck at Your Summer Job? – What if the summer job isn’t right for you?

Pete @ Intelligent Speculator writes Time For A Fresh Look At Facebook – Some new thoughts on investing in Facebook.

Div Guy @ The Dividend Guy Blog writes Stock Squeeze! Look For All The Money You Can Invest in The Stock Market – I’m bullish for the rest of the year… and I’m actually going to make some trades in the near future…

Dividend Growth Investor @ Dividend Growth Investor writes How Warren Buffett made his fortune – While most investors are familiar with the story of Berkshire Hathaway, few seem to know how exactly Buffett made his first millions, that catapulted him to Berkshire Hathaway and the companies and stocks he owns through it.

Abbie @ Finance Junkie writes How To Reduce The Cost Of A Wedding – Planning a wedding can be a very stressful for most of us, especially when it comes to the cost- saving money on the day could help you better your honeymoon destination or even still you could start a Mr and Mrs savings account.

Mr. Frenzy @ Frenzied Finances writes The Advantages of DIY: Around The Home Projects To Save Money – Looking to save some money on fixing up your home? Why not do it yourself? It’s not too hard. Here are several DIY around the home projects for you to try.

Mel @ Mel’s Money writes Money Saving Tips For Decorating Your Home – Sometimes we get caught up with going all out on re-decorating our homes and it can be quite costly, let alone time consuming- try these tips for decorating, without having to spend too much!

Tushar @ Earn More and Save writes Don’t Be Afraid to Negotiate – I used to be shy and socially awkward. Every social interaction was better when it was over.

Ted Jenkin @ Your Smart Money Moves writes National 529 Day – Check out this 529 Day special edition of Your Smart Money Moves to find out how to save for your child’s college education on your personal finance budget!

Debt Guru @ Debt Free Blog writes Cash or Credit: How to Use Your Credit Card Less – It’s tempting to pay with credit that your credit card debt can spiral out of control before you know it. Don’t let it happen! Read these tips to avoid it.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes WHAT HAPPENS WHEN FED EXITS FROM STIMULUS? – End of quantitative easing, raise interest rates. Will there be a stock market crash? What will happen to investments?

Lauren @ L Bee and the Money Tree writes I’ve just been robbed….and I’m not sure how to feel. – Still, there are psychological ramifications from being robbed, at least for me.

Wayne @ Young Family Finance writes Saving Cash and the Environment at the Same Time – You may think the extra steps to help the earth are a pain, but they can save you money too! Read for tips on the simple things you can do.

Jester @ The Ultimate Juggle writes Easy Ways to Improve Your Finances – Everyone wants more money or more peace of mind when it comes to money. Almost everyone, at least. While this may not be possible for everyone, there are a lot of practical steps that you can take to improve your financial situation that require very little time or energy.

Ray @ Squirrelers writes Stocks and Inflation: What is the True Equity Premium? – Stocks have done exceptionally well of late, particularly in a low inflation environment. Looking at previous decades, we can see that this isn’t always the case.

Tony @ We Only Do This Once writes The Road to Misery is Paved With Good Intentions – It wasn’t until I hit a financial and emotional low in my late 20’s that I began to see how my horrid money management skills were bankrupting me in more than one way.

Tushar @ Finance TUBE writes 3 Questions To Ask Yourself When It Comes To Splurging – Today I will be talking about 3 Questions To Ask Yourself When It Comes To Splurging. When it comes to buy a big ticket could be tempting to swipe the cards. Some things are more important than saving money. Yes this might also lead to financial problems.

TTMK @ Tie the Money Knot writes Increase in Breadwinner Moms: Is This Good or Bad? – Recent research shows that there has been an increase in homes with a breadwinner that’s a Mom. I think this is a positive development – what about you?

krantcents @ KrantCents writes Too Young to Retire! – Too young to retire and too old to get a job! There are many people in their forties and fifties that feel that way. They lost their jobs in the recession and cannot find another one. They already exhausted their unemployment and have given up.

Crystal @ Budgeting in the Fun Stuff writes We’re Taking Advantage of the CHEAP Cruise Prices!!! – Overall, Carnival just doesn’t have a good rep right now. So what have we done? We have booked a cruise on Carnival, of course.

Brent @ PersonalFinance-Tips writes 5 Things You should Do when Interest Rates are Low – Low interest rates sound exciting and attractive. Consumers can take advantage of those by getting cheaper loans. But what if you are an investor? It could be a challenging time especially when you aim to keep your money growing. Bank deposits may get worse at this time because those already assume much lower interest rates before prevailing rates dropped.

Walt@MyWealthDEsire @ My Wealth Desire writes How Jeff Bezos Builds the Biggest Online Store – The Truth of Amazon Success – One of the most successful online businesses of all time is Amazon store. Amazon was founded by Jeff Bezos and his wife Mackenzie in 1994 as an online book store. Presently, Bezos is living a rewarding life as a result of all the sacrifices and hard work he had done for the the success of their business – Amazon.

Daniel @ Sweating the Big Stuff writes I Want To Be An Extreme Couponer But Don’t Have The Patience – Being an extreme couponer sounds great because you can saving 75% or more on the things you need (and want), but it takes a lot of work!

MMD @ My Money Design writes My Affiliate Marketing Ideas for Targeting the Right Audience – As far as blogging revenue goes, the right execution of your affiliate marketing ideas can be a great source of passive income as long as you have a plan.

Hank @ Money Q&A writes Confessions of a Short Term Stock Trader with Swing Trading – I have a confession. I have been swing trading with a small part of my stock portfolio, buying and selling stock for only days for short term price moves.

Kevin @ Passiveincometoretire writes The New Retirement for Some – delivers the latest breaking news and information on the latest top stories, weather, business, entertainment, politics, and more. For in-depth coverage, provides special reports, video, audio, photo galleries, and interactive guides.

Robert @ My Multiple Incomes writes Saving to Start a Business – Starting a business is one of those landmark life events that people tend to reflect on in the years to come.

Robert @ The College Investor writes Should You Invest In Frontier Markets? – Do you want to invest in small economies that offer the potential for explosive growth? Consider putting part of your portfolio into frontier markets.

Corey @ 20s Finances writes Tricks I Used to Save Money in College – During my four years away in college I used a couple of tricks to save money and I am now passing them on to you.

Robert @ Entrepreneurship Life writes How To Be More Productive: Stop Wishing and Start Working – I want, I wish and I will are danger words. They are the words we use when we are thinking about doing work. If we are wishing, wanting or promising ourselves that we will, we have already been overtaken by procrastination.

Robert @ Kids Ain’t Cheap writes How to Save Money on Food – Other than housing, food is probably the second largest component in a family’s budget. With food prices only rising, it is important to save as much money as possible without compromising the integrity of your family’s healthy diet.

Robert @ Beat The 9 to 5 writes How a Bad Boss, Boredom, and a School Crush Led Me To Entrepreneurship – I’m always fascinated by stories about how people decided they wanted to become entrepreneurs. We always hear about the inspiring story, or the life changing event. But, in most cases, it was a series of events and circumstances that all connected together to put the right pieces in place.

Darwin @ Darwin’s Money writes 5 Reasons You Should NEVER, EVER Sell Your Pension – Many people are now selling their pensions for a one-time cash settlement. This is a HUGE mistake. See why.

Jacob @ AllPersonalFinance writes Want to get a good real estate deal? Listen to your agent’s advice – Whenever you enlist the help of an agent, you do that not only to get a list of homes according to your preferences. A real estate agent can be very helpful in guiding and educating you. Most often when an agent suggests an alternative, home buyers often dismiss the suggestion and go with their own choice. A few consider the advice carefully.

Corey @ Steadfast Finances writes Can you trust no medical exam life insurance? – When you apply for life insurance, there is usually quite a lot of paperwork to contend with. Along with the paperwork and the small print, you will often have to undergo a medical exam as well.

Suba @ Broke Professionals writes Would We Have Saved Money Renting? – Home ownership is supposed to be the American Dream, but it wasn’t for me. Here’s how much money we lost buying a house instead of renting one.

Minimalist @ Minimalist Finance writes Getting Rid of Bank Fees – Getting Rid of Bank Fees has been published on Minimalist FinanceOne of the worst wastes of money is banking fees. Nobody actually wants to spend money on banking fees, but unfortunately most think that they are stuck paying them. Some people pay upward of $20/month just to have a checking account.

Melissa @ Minting Nickels writes Stop Planning a Lump Sum Retirement – For those that are actually being proactive about saving for their retirement, many of them are following the “Lump Sum” plan, which means that they are basically contributing toward a 401(k) or 403(b) and have no other investment plans. Now is the time to diversify and find other retirement investments.

Evan @ My Journey to Millions writes June 2013 Net Worth Update – From May 2013 to June 2013 my net worth increased 2.34% Year to Date my net worth is still down 4.39%. I think next month is finally the month I get back to even year to date

Jason @ Live Real Now writes Horseback Riding Lessons – We’re looking at $5400 for a horse, gear, and boarding the first year. If we cancel the lessons, by spring we’d have $2000 of that saved and most of the rest can be bought over time. On the other hand, if we go that route, we’ll never save enough to buy the hobby farm we’re looking for. Decisions, decisions.

Amanda L Grossman @ Frugal Confessions writes House Rich and Cash Poor: How to Save Money on Your Home After the Closing – Are you house rich and cash poor, meaning you live in the home of your dreams but are mortgaged to your maximum budget allowance? Experts say that your housing expenses should be no more than 30% of your monthly budget.

MMD @ IRA vs 401k Central writes Roth IRA Basics and How They’re Different From a Traditional IRA – It helps to know your Traditional and Roth IRA basics. Although both are excellent tools, one of them is likely better suited to your individual needs.

Brock Kernin @ Clever Dude writes I Save Money by Spending A Lot On Groceries – I still look for specials and coupons, but groceries is one thing I don’t mind splurging on.

Ryan @ Cash Money Life writes 10 Apps for Saving Money on Groceries – Spending too much money at the grocery store? Try a few of these fantastic smartphone apps that will help you stick to your list and save money!

SFB @ Simple Finance Blog writes How to Build Credit for the First Time? – A major challenge faced by many today is building credit and in the absence of a credit history, one may find it hard to qualify for a credit card or any kind of loan.

Sam @ Simplefinancialfreedom writes Why There Should Be Inclusive Credit Scores – Every year thousands of Americans make mistakes that show up on their credit report.

Roger the Amateur Financier @ The Amateur Financier writes When Wills Aren’t Enough: Time for Trusts – A look at trusts, particularly Revocable Living Trusts, as a way to pass money to beneficiaries without having to go through probate processes.

A Blinkin @ Funancials writes How To Quickly Double Your Money – Using the Rule of 72 can help you estimate (1) how much money you’ll have in retirement and (2) what kind of returns you need to ensure a comfortable retirement. It can also be used as MOTIVATION to SAVE MONEY NOW (because you know you won’t save more later).

Crystal @ Married (with Debt) writes What Do You Do With Your Fun Money? – It’s something every financially independent couple should have: fun money. But are you really having fun with this extra cash? For me, the answer is no.

Mike @ Personal Finance Journey writes Will your circle of friends be your financial ball and chain? – Do your friends constantly challenge your financial plans? Are they holding you back? Should you surround with the successful people you you want to be like?

CAPI @ Creating a Passive Income writes Investing: How to Be More Conservative With Your Money – These days, investors should know the ways to handle their money. We’ll help. Here are some great tips on being conservative with your money as an investor.

Luke @ Learn Bonds writes The U.S. Bond Market May Be Much Different Than You Think It Is – A breakdown of the size of the US Bond Market by bond type, as well as a comparison of how big the bond market is to the stock market.

Jon Haver @ Pay My Student Loans writes Let the Military Help Fund Your Education – This is not a loan, but the money that is to be considered “earned” as base pay. The Army, Navy, Marines, Air Force and Coast Guard each have their own unique set of service requirements, but Congress has given each service the right to pay up to 100 percent of tuition expenses for selected students enrolled in off-duty hours classes.

IMB @ Investing Money writes Why the Fed’s Money Printing Has Not Lead to Higher Inflation – Why is there a seeming contradiction-rapid money printing and low inflation? To find answers we must follow the money trail. Read here for more information!

Steven @ MyDividendStocks writes Earned, Passive Income And Your Portfolio – There are essentially three types of income passive, earned and portfolio. When filing your income tax at the end of the year each one of these types of incomes have different taxes. This is why it is important that you completely understand the difference between each one.

JC @ Passive-Income-Pursuit writes The Cost of a Loss – Just how bad is a loss when it comes to your investments and how long does it take to recoup?

PPlan @ Provident Plan writes No triple-dip hip hooray! – Anyone who doubts that local authorities are still wasting ratepayers’ money on incompetents in pointless jobs need look no further than Kent’s police.

Joe @ Midlife Finance writes Making Credit Cards Work For You – These innocent little slivers of plastic have gotten a bad rep. Not because they’re doing anything evil — but because some people have used them to get into serious debt.

Little House @ Little House in the Valley writes Budgeting Facts – I love crunching numbers, especially when it comes to working out my monthly budget. However, I learned how to make a budget through trial and error and I’m still working out the kinks. So when I came upon this infographic and read the fine print, I realized I’ve been doing it all wrong!

Penny Thots @ Penny Thots writes Would My Life Insurance Claim Be Denied If I Smoke and Have a Non-Smoking Policy? – Saying you’re a non-smoker just to get cheaper premiums is not a good idea. Your claim could be denied if you are found out, and you could be placed on an insurance register, naming you as a liar and making it very difficult to get insured in the future.

Tushar @ Start Investing Money writes What Should You Do if You Simply Cannot Save for the Future? – The focus of this blog is to start investing money: sinking it into one or more investments so you have a nest egg to fall back on in the future. However, all this relies on the fact you have at least some surplus cash to play with.

Kyle @ The Penny Hoarder writes Saving Money By Getting Healthy – Often when you hear about approaches to health and business the word ‘holistic’ is used with a fair amount of frequency. And while for some it may just be the buzzword-du-jour, it does actually have very powerful and far reaching benefits as a concept.

SBB @ Simple Budget Blog writes Budget & The Home: Budgeting Your Home Improvements – Looking to fix up your house a little? You might need to budget to make it work. Here’s how to budget the little and big things your house may need.

Kevin Watts @ Graduating From Debt writes Obama Student Loan Forgiveness – With the increasing concerns about student loan debts in the country, President Obama has introduced a plan that aims to help students who are incapable of completing their loan payments, as well as those who have paid a significant percentage of their loan balance for several years.

Miss T. @ Prairie Eco Thrifter writes Do You Have an Income Problem? Or a Cash Flow Problem? – As a freelance writer married to an adjunct professor, my household income is sometimes a little unpredictable. In many cases, it’s not about how much we have coming in; it’s more about when the money arrives and leaves.

Kevin @ writes How Bad Credit Can Hurt in an Emergency – People often don’t realize the effect that their bad credit issues has until they are in dire need of money, and don’t have access to it because they maxed

Shannon Ryan @ The Heavy Purse writes The True Cost of College – Shannon breaks down the true cost of college and some of its hidden costs.

Don @ MoneySmartGuides writes Is a Security System Worth the Cost? – Statistically, you have a good chance of not getting your house broken into, so that begs the question (Is a security system worth the cost?)

Maria @ The Money Principle writes Five Ways to Save Money through Your Smart Phone – Smart phones can be pricey; but when used properly you can save money using them. In this article we set out five ways to save money with your smart phone.

MR @ Money Reasons writes My Personal Finance Pyramid Update – Lower (Upper Middle Class) – My Personal Finance Pyramid If you have read this blog in the past, you know that I created a visual chart to gauge my personal finance progress as I climb a wealth pyramid that I have created.

Investor Junkie @ Investor Junkie writes How to Plan for Retirement as a Self-Employed Entrepreneur – As an entrepreneur, you won’t have access to many of the benefits other workers take for granted, and retirement planning can be one of the biggest hurdles to clear.

Fiona Lee @ ReadyForZero Blog writes How to Deal with Unexpected Debt – Life can sometimes get in the way of even the best financial plans, which can lead to unplanned debt. This post talks about steps you can take to deal with unexpected debt.

Jacob @ Cash Cow Couple writes Starting a Blog That Matters – Here is my comprehensive guide to starting a blog that matters. If you’re going to do it, do it right!

Paul @ The Frugal Toad writes How to Access Retirement Funds Penalty Free – A common misunderstanding of individuals contemplating when to retire is that you can not access your retirement accounts until you are at least age 59 1/2. You may be surprised to learn that there are ways to withdraw funds from your retirement accounts before age 59 1/2 and avoid paying the 10% early withdrawal penalty.

Jon @ Novel Investor writes 5 Bad Investing Habits To Avoid – There are many do’s and don’ts with investing. Here are five bad investing habits all worth avoiding and a few that can quickly lose your money.

Anton Ivanov @ Dreams Cash True writes Portfolio Planning Basics – Determining Your Risk Tolerance – Determining your risk tolerance is an important step in the investment portfolio planning process. Simply put, your risk tolerance is a measure of how much investment risk you are willing to take on. It will directly dictate the types of assets appropriate for your portfolio.

Mr.CBB @ Canadian Budget Binder writes Free Plants And Easy Ways To Save Money On Gardening – The cost to landscape a home with beautiful plants can cost you big bucks in your budget.Over the years replacing plants can also cost money that you might be saving for retirement or future home renovations. Planning now to have a healthy garden using plants that work for you is an important first step. Find out ways to score Free plants and the easiest ways to save money on gardening for the frugal gardener in you.

Adam @ Money Bulldog writes The Biggest Companies in the World ~ Where did they begin? – The biggest companies in world all had to start somewhere. Find out where they began with this great infographic and we also talk about the attributes which led them to where they are today.

Adam @ Money Rebound writes Fun and Funky Ways to Make Extra Money – Most of us could use a little extra cash and work doesn’t always have to be boring. Take a look at these fun and funky ways to make some extra cash.

Charles Yeaman @ The Tortoise Banker writes 5 Lessons We’ve Learned From the Joneses – You see them. Across the street. At church. At dinner parties. Mr. and Mrs. Jones. Big diamond ring, brand new cars, huge house, high school kids both have BMWs. A part of you, if only for a moment gets the smallest feeling of envy before…ZAP! Your gut reminds you that the JONES family is probably living beyond their means, and may not have an ounce of savings to their name.

Philip @ PT Money writes The Real Reason You Need Umbrella Insurance – Do you have teenage kids, a pool, or hired workers on your property? There are many reasons anyone could benefit from umbrella insurance. Hank explains why and how you should be covered.

Anton Ivanov @ Dreams Cash True writes Portfolio Planning Basics – Determining Your Risk Toleranc – Accidentally submitted a wrong URL earlier… Description: Determining your risk tolerance is an important step in the investment portfolio planning process. Simply put, your risk tolerance is a measure of how much investment risk you are willing to take on. It will directly dictate the types of assets appropriate for your portfolio.

Glen Craig @ Free From Broke writes How Can I Pay Off My Student Loan Faster? 3 Programs to Help – Students are racking up historic student loan debt to graduate. Here are 3 programs to help pay off student loans faster.

Jason Hull @ Hull Financial Planning writes Six Areas Where I Disagree with Dave Ramsey’s Investing and Retirement Withdrawal Advice – Dave Ramsey claims, for educational purposes, that you can earn 12% average returns per year and withdraw 8% per year in retirement. This article explains how both the math and the psychology of these assertions are incorrect.

Khaleef Crumbley @ Fat Guy, Skinny Wallet writes Paid Off Car Loan: We Are Making Progress In Our Battle Against Debt! – We paid off our car loan recently! Of course, there was drama associated with it, but it is taken care of now. Find out what’s next for us financially.

Khaleef Crumbley @ Faithful With A Few writes Is Your College – or Your Degree – Worth the Money? – Is A College Degree Worth It? This is something that everyone considering higher education must answer. Here are some points to consider before making your decision.

Emily @ Evolving Personal Finance writes Early Retirement Isn’t for Us – Eight reasons why my husband and I are NOT currently pursuing early retirement or financial independence.


Yakezie Carnival: Happy Cinco de Mayo

yakezie carnival cinco de mayoWell here are the best from around the web for this very warm cinco de mayo.

Hope you enjoyed the weekend, enjoy the reading.

Christopher @ This That and the MBA writes Building My Credit History: An Update – I started out with no credit history..and decided to go with a secured credit card to help build my credit. Come see how I have made out so far and read my original post!

SB @ One Cent at a Time writes How Much Debt Is Too Much Debt – Most people have some kind of debt. It might be a mortgage, an auto loan, a student loan, or even a credit card balance. Having debt isn’t a bad thing as long as you are taking steps to pay it off. It’s having too much debt that can cause an unhealthy financial life.

AxeMan @ Axe Debt writes Ways to Cut Expenses – Cutting your expenses can be a great way to get out of debt fast. It is amazing to see how much goes out every month to pay for our lifestyle. Even if you don’t live extravagantly it can be easy to overspend and not even realize that you are doing it.

Deacon @ Well Kept Wallet writes Save Money With A Refillable K Cup for Your Keurig – I drink coffee almost every day and it can be an expensive habit. If you own a Keurig, which is a single cup coffee maker, then you know how pricey it can be for just one cup of coffee. I was at a Starbucks yesterday and a 12 pack of Pikes Place K-cups was $11.95 which comes out to about $1 per cup of coffee.

Michelle @ Making Sense of Cents writes Should I Pay Off My House Early? – Pros and Cons – Should we pay off our house early? What about the next house? Don’t worry guys, we haven’t bought our next house just yet. We’re keeping our current one for at least another 12 months. However, we have been thinking about whether we should pay off our current house quickly (we have been debating whether we want to rent it out or not – if we decide to sell then we of course wouldn’t pay off the current house quickly) and even whether or not we should pay off our next house quickly as we

Emily @ Evolving Personal Finance writes So Excited about Referrals! – Why am I more excited about account credits than real income?

Lance @ Money Life and More writes Buying a Home: Is a Small Down Payment Actually a Big Deal? – When you don’t have a large down payment of at least 20% and you’re trying to buy a house, FHA loans are one option that has been popular in the last few years due to the low minimum down payment of 3.5%. Unfortunately, these mortgages have a ton of fees and they’ve recently drastically increased.

Andrew @ 101 Centavos writes Seven Storefront Retail Ideas to Plow Your Inheritance Into – What to do and what not to do with a windfall inheritance. Don’t open a foofy gift shop, for one.

Arnel Ariate @ Money Soldiers writes 5 Steps to Get on Top of Your Monthly Bills – Here are 5 steps to help you get on top of your monthly bills. Getting on top of your bills is an absolute priority, and with these simple steps you can enjoy greater financial freedom faster.

Lauren @ L Bee and the Money Tree writes Is it FOMO? Or just me being afraid people will like me less? – Oh, you know FOMO? Fear of Missing Out? I thought it was ruling my life and my wallet lately, because even though I have been whining about my full financial plate this month, I still kept saying yes to each and every invitation thrown my way.

Tushar @ Start Investing Money writes Why Stock Market Investing Isn’t Gambling? – If you are looking to be entertained, gambling online will probably be better than stock investing. You can click here to experience an online casino site, and get the chance to win, or lose, big money.

LaTisha @ Young Finances writes Car Leasing for Businesses – Business owners have started to consider car leasing as a new financial vehicle. This is because auto leasing is going to save them thousands of dollars.

Brent @ PersonalFinance-Tips writes How to Know Your Tax Benefits: – A tax benefit refers to a number of economic bonuses. It consists of “tax-reduction”, “tax deferring” and “tax free” investments. This benefit offer “retirement schemes” and also provides “incentive savings”.

Tushar @ Earn More and Save writes Save Money: Combat To Disaster with Help of Online Backup Apps: – Many of the people are using their computer for running their small to medium size business. Large business has a lot of computer for the proper functioning of their work.

Michelle @ The Shop My Closet Project writes Are you growing your best life? – For the purpose of this post I want to take this a step further and ask are you doing the things that you need to do to grow your best life? I would argue that most people aren’t putting enough time into creating the life that they would like to live because it may feel overwhelming.

R.J. Weiss @ The Insurance Protection Blog writes What parts make up a homeowners insurance policy? – Understanding what’s covered and what’s not when it comes to home insurance.

Luke @ Learn Bonds writes Barbell Strategy – What it is and How it Works – A barbell strategy are simply another way to try and deal with interest rate and reinvestment rate risk. Here’s how barbell strategies work in bonds.

Crystal @ Budgeting in the Fun Stuff writes Have You Heard of Kickstarter Yet? Hubby is a Fan! – Have you heard of the site, Kickstarter? It is used to get creative projects funded. Projects like board games.

Wayne @ Young Family Finance writes Don’t Panic: Controlling Your Fear During Financial Emergencies – Financial issues weighing you down? It happens. Here are tips on how to keep your calm and control your fear in these financial emergencies.

SFB @ Simple Finance Blog writes How College Students Can Save Money – While paying off student loans and college tuition continue to be financial burdens on most college students, saving money seems to be almost impossible in today’s world of temptations.

Maria @ The Money Principle writes 5 Ways to Make Money before you Start University – Going off to university is expensive; if you make money and set up a ‘university nest egg’ before you start you will find it much less financially stressful.

Jester @ The Ultimate Juggle writes Spring Cleaning: How to get rid of clutter – It is quite amazing how quickly clutter can grow around the home. Those old, unwanted things just seem to multiply, taking up the already limited living space you have. That’s the problem when clutter builds up. When it comes to getting out that feather duster, the simple task of cleaning becomes torturous.

Debt Guru @ Debt Free Blog writes 10 Mistakes to Avoid Right Out of College – Just graduated from college? Congratulations! Now the real battle starts. Read here for tips on avoiding these common money mistakes post-graduation.

Steven @ MyDividendStocks writes Passive Income the American Dream – People always chase after the American Dream. They dream of sleeping in every day, pursuing their favorite hobbies and work when they want. They dream of going to the mailbox every day and receiving a check for not working at a job in years.

Jacob @ AllPersonalFinance writes Understanding Exchange Rates – More people are becoming interested in foreign exchange trading. However even though many people are considering foreign exchange trading they do not have the education necessary for successful trades. Forex trading is an entirely different type of trading than traditional stock market trading.

MR @ Money Reasons writes How Much Money Is a Lot of Money? – Money has changed meaning to me as I grow older. Read some of my funny history around how I viewed money, and what a lot of money is to me today.

Mel @ Mel’s Money writes Ten Year Retirement Plan – Steps You Should Take – A ten step guide to make sure that when you’re getting over the hill, you’ll be taking plenty of cash with you!

Ryan @ Cash Money Life writes Are Health Savings Accounts (HSAs) Going Away? – With the coming changes to healthcare laws, will your Health Savings Account vanish? Will your premiums rise? Here’s what you need to know.

Mike @ Personal Finance Journey writes How to Pay Off Multiple Payday Loans – Easy ideas and solutions on paying off multiple pay day loans when you find yourself in a bind.

Daniel @ Sweating the Big Stuff writes First Quarter Business and Personal Finance Goals Update – it’s been 3 months since I set my 2013 goals. Here’s how I’m doing so far.

Mr. Frenzy @ Frenzied Finances writes Getting Creative: How to Reuse Items to Save Money – There are many items you can reuse for similar or even different purposes around the house. It’s a great money saver. Here are tips on how to reuse items.

Abbie @ Finance Junkie writes Fool- Proof Plan To REbuilding Your Credit Rating – If you want to sort out your credit rating for the better, use this guide, it is a simple explanation that anybody can understand!

Ted Jenkin @ Your Smart Money Moves writes Is Your Retirement Plan Full Of Swiss Cheese – Last year, I did a piece on retirement planning assumptions.

Hank @ Money Q&A writes This Week’s Podcast with Adam Shepard the author of “One Year Lived” – Adam Shepard shows us in his new book, “One Year Lived” that you do not have to give up on your bucket list and your dreams. I talked to him on our podcast, Your Money Your Choices, this week about bucket lists.

John @ All Things Finance writes Teaching Your Teenager About Credit Cards – Teaching your child financial responsibility is one of the most important tools you brace them with. Unfortunately we can’t rely on them learning any financial skills in school so it’s our responsibilities as parents to prepare our kids the best we can.

Kevin @ writes Cheapest College Towns to Live In – College towns can be the greatest places to live in since the rents can be inexpensive. To describe them in a few words would be lifestyle and value.

John @ Fearless Men writes Minimum Balance Nightmare: Why It Pays to Overpay [Infographic] – Credit card debt is racking up in many households, and people want to be set free from it. It can kill a man’s present–and future. Don’t get sucked into the cycle of only paying the minimum balance-that’s a nightmare. It pays to overpay, and the below infographic will tell you why.

Matt Becker @ Mom and Dad Money writes Insurance is Awesome – Insurance might not be sexy, but it’s pretty damn useful.

Corey @ 20s Finances writes Preparing for Next Year’s Taxes – For most of us, income taxes are a major annoyance, but the overall stress or frustration is usually unnecessary.

Kyle @ The Penny Hoarder writes Ebay Surprise: Making Extra Money with Other People’s Stuff – I love spending money. I would eagerly waste my hard-earned money on clothes, bag, shoes, makeup and more. After years of this unfortunate habit, I reached a point where I couldn’t deal with the guilt. I could’ve saved enough for a house by now — or at least a nice condo.

krantcents @ KrantCents writes 10 Things You Don’t Know – 10Things You Don’t KnowThings You Don’t Know, Math, Soft Skills, Food, Personal Finance, Love, Women, Men, Mind, Animals, Future, Self -Assessment

Don @ MoneySmartGuides writes Understanding Risk Tolerance – In order to be a successful investor and meet your long-term goals, you need to understand your risk tolerance so that you stay invested in the market.

Marvin @ Brick By Brick Investing writes Investing Is War – A detailed correlation between Sun Tzu’s timeless writing “The Art of War” and stock investing.

SBB @ Simple Budget Blog writes Pink Slips: Budgeting While Unemployed – Stuck in a rut? Unemployment can be tricky, but we can help. Read here for helpful tips on how to budget your way through a period of unemployment.

Sam @ Simplefinancialfreedom writes Reverse Mortgage FAQ – The HECM or home equity corporation mortgage is actually an FHA reverse mortgage. It is used to withdraw on the equity of your home.

Tushar @ Finance TUBE writes Is Now The Right Time to Buy A Home? – Today i will be talking about Is Now The Right Time to Buy A Home? According to the media now is the perfect time to buy a house. Housing prices may be free from the laws of gravity but they are not free from the laws of economics.

Amanda L Grossman @ Frugal Confessions writes How to Reap High Happiness ROI – Many of us have learned over the years that physical things do not make us happy.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes 3 EASY JOBS TO GET WHILE IN COLLEGE – Make money in college. 3 high paying jobs for college students.

CAPI @ Creating a Passive Income writes Changing Mindsets: Switching from Short-Term to Long-Term Thinking for Finances – Regulating your finances isn’t a short-term game. It’s important to be sure you have money down the road. Here’s tips on switching to long-term thinking.

Jon Haver @ Pay My Student Loans writes Help Students Save Money In College – Going to college can be expensive, as any college student (and their parents) can tell you. In addition to the cost of tuition and books, there are also the additional expenses of living away from home. Since most college students are on a strict budget, any tool that can be used to help students save money in college is useful. ReadyForZero has created an online tool for managing finances that will help students and/or their parents keep track of expenses and save money at the same time.

Suba @ Broke Professionals writes Freelancers: Making Sure You Don’t Owe Uncle Sam In 2013 – If you do freelance work – or any type of second job – it can be tough to pay the right amount of income taxes. A worksheet on your W-4 can fix that.

Evan @ My Journey to Millions writes Thinking About All the Jobs I Have Had Throughout My Life – It is funny to think about, but I literally always worked. Sure, there were times when I was out of work, but there hasn’t been a time since I was about 14 or 15 that I didn’t have or was looking for a job.

JP @ My Family Finances writes US vs. UK banking: what’s the difference? – For the past few centuries, banking has made looking after money incredibly convenient, no matter what country each banking institution is in.

Little House @ Little House in the Valley writes Spring Budgeting Tips – Now’s a great time to check your goals, tweak your budget, and get serious about the rest of the year. Easier said than done, right?

Arnel Ariate @ Money Soldiers writes 4 Factors to Consider Before Starting a New Business – Don’t think about the negatives when you’re starting a new business, just stay realistic. To maximize your success and minimize your risks, start thinking about profits, taxes and what it takes to get started.

Jason @ Live Real Now writes Multiracial Skinhead Love Triangle – I have this friend. He bought a couple of cars. He’s got some issues with money, partially revolving around a need to keep his assets below a certain threshold. So he put the cars in his girlfriend’s name. I know, it’s slightly crooked, but that makes the story more fun.

Jason @ Live Real Now writes Multiracial Skinhead Love Triangle – I have this friend. He bought a couple of cars. He’s got some issues with money, partially revolving around a need to keep his assets below a certain threshold. So he put the cars in his girlfriend’s name. I know, it’s slightly crooked, but that makes the story more fun.

Roger the Amateur Financier @ The Amateur Financier writes 8 Ways to Save Money While Saving the Earth – A list of methods to cut down your environmental impact while also saving money, including methods of reducing, reusing, and recycling in your life.

Gary @ Gajizmo writes How To Make Money At Home – Saving money and living below your means is fundamental to financial independence, but more importantly, families need to find ways to grow their income. Whether it is building a business or starting a venture from home, this article can help you get started by giving examples of the best ways to make money from home or online.

Miss T. @ Prairie Eco Thrifter writes How’s Your Life? A Healthy Exercise for Creating a New One – It has been said that how you see your life is how your life will be. If all you see are problems, your view of life will be negative and problematic. If you see challenges, your life will be full of amazing opportunities to make changes and create a better life for yourself.

MMD @ My Money Design writes Another Reason Why You Need Emergency Money – For Stupid Car Repairs – If you think having $1,000 of emergency money is going to cut it, think again! This week I’ve spent more than I ever anticipated on stupid car repairs.

MMD @ IRA vs 401k Central writes Is a Self Directed 401k Plan Right for You? – What do you do if you’re self employed or you want more than what your employer’s retirement plan offers? You apply for a self directed 401k.

Tony @ We Only Do This Once writes How I Quit My Day Job – Well, I did it. I gave notice to my employer. 60 more days, and I am leaving my job. Here’s how I did it.

Matt @ Living in Financial Excellence writes Save Lives While You Save Money – Usually I just set money aside and wait until I see what I’m looking for on sale. But I found a website that lets me find deals on products and save even more money at the same time.

Kevin @ Passiveincometoretire writes Making Money from Tax Liens – 1. You can make a decent amount of money from tax liens if you are willing to do all the leg work to get it. Here are a few tips to get you started. 2. Make a list of all the courthouses in your area. Write down the address, phone number, website and contact information.

IMB @ Investing Money writes How to Execute a Winning Trade – Have some stocks you’re looking to trade? You want to be able to execute a winning trade to get the most out of your stocks. Read here for tips on trading.

DJ @ Money for College Project writes How to Create Your Own Scholarship – A radical change in the traditional scholarship method. Much like bootstrapping your own business, we show you how to build your college scholarship portfolio from the ground up using corporate sponsors.

John S @ Frugal Rules writes Great Last Minute Mother’s Day Gifts That Will Make Mom Happy – If you did not know already, Mother’s Day is a few short days away. Give some thought into the gift you’ll be buying your Mom and remember that pricey does not mean priceless.

Grayson @ Debt RoundUp writes How A Door-to-Door Salesman Caused Me to Bite – Here comes a true story about how a door-to-door salesman was able to pitch me into a sale. It was the first and the last time that has ever happened! I let an alarm system salesman get the upper hand during a conversation in my driveway as I built a dog house. I needed what he sold, but I didn’t research the deal well enough. I ended up paying for it in the end. Take a gander at how a door-to-door salesman got me to bite on his pitch.

Mr.CBB @ Canadian Budget Binder writes Junk to Funk: Some Woman Down The Road Left Me With Hardwood – It’s not everyday I come across a money maker in the streets for free but when I do see it I jump on it. Often a simple DIY project can yield you savings in your budget or profits to your bank account if you can sell it. Watch me turn junk into funk and save!

Sean @ One Smart Dollar writes 5 Popular Craigslist Scams to Watch Out For – Craigslist can be a great place to buy and sell items however it also comes with risks. Here are some of the biggest Craigslist scams to watch out for.

Nick @ A Young Pro writes How to Advance in Your New Career as a Gen Y Employee – So you are a Gen Y employee starting a new career? Learn how to follow the 20/80 rule to get your career of to a great start and rise through the ranks.

Jon @ Novel Investor writes Stock Split, Reverse Split, & Your Shares – You here about companies announcing a stock split or reverse split all the time. What is it and how does that split affect your shares?

Dividend Growth Investor @ Dividend Growth Investor writes Twenty Dividend Stocks I Recently Purchased for my Dividend Portfolio – I had an old 401 (k) with Fidelity, which was eligible for a rollover. In early April I cashed out the index funds in it, and rolled the money over into an IRA. After that I decided to equally allocate the money in twenty individual dividend stocks.

KK @ Student Debt Survivor writes Spending Without Spouse Approval – There have been a lot of posts in the personal finance blogosphere recently about whether you should merge your finances together when you get married. But what about discussing large purchases with your partner? Should you spend without spouse “approval?”

Michael Kitces @ Nerd’s Eye View writes Is Capital Loss Harvesting Overvalued? – Capital loss harvesting has long been a staple of investment tax strategy – so much that the Internal Revenue Code has special “wash sale” rules to ensure that the technique is not overly abused. But the reality is that harvesting losses just defers taxes – it doesn’t avoid them entirely – and as a result, the benefit of the strategy is far less than most realize, and often outweighed by the risks!

harry campbell @ Your PF Pro writes Writing Off Moving Costs During Tax Time – The IRS provides a lot of deductions for hard working Americans like us but a lot of people are unaware of them or maybe scared of an audit. I say bring it on, as long as you have the receipts and proof to back it all up, you should take advantage of every deduction available out there. The ‘moving expenses’ deduction is one of the more valuable ones since it’s above the line, meaning you don’t have to itemize to take advantage of it.

DPF @ Digital Personal Finance writes People Track Expenses, So How About Tracking Nutrition? – Sometimes, we can take best practices from one area of life, and apply it to another. Within that context, tracking expenses can lead us to good habits that can help us with our health!

Jon Rhodes @ Affiliate Help writes Best Of The Best – Top 5 Pieces Of Advice For A New Blogger – Here are the best pieces of advice for a new blogger, boiled down from a huge collection.

JC @ P writes Stock Valuation Method – Discounted Cash Flow – Continuing with my stock valuation series, I look at the Discounted Cash Flow method. If you’re not sure what it is, how to use it, or just want a useful spreadsheet to calculate it for you, stop on by.

Jules Wilson @ Faithful With a Few writes Why We Want To Start A Giving Account – A giving account is a great way to set aside money in order to be a blessing to someone else. Make sure you have this in place, so you can respond when there is a need.

PK @ Don’t Quit Your Day Job… writes Crude Oil Price Return Calculator – Brent and West Texas Intermediate – I built a calculator which determines the price return (or inflation adjusted price return) of WTI and Brent Crude Oil over an arbitrary time frame (using daily prices!). This data goes back roughly thirty years.

Jules Wilson @ Fat Guy,Skinny Wallet writes This Is Why We Are Fat #2 – Eating While Driving – Why do we get fat? Unfortunately, there isn’t just one reason. Each time I see a behavior that makes us obese (whether funny or serious) I’ll highlight it here.

Philip @ PT Money writes Pros and Cons of the 15 vs 30 Year Mortgage – If you’re looking to buy a home or refinance there are a few things to consider when deciding on a 15 or 30 year mortgage.

Marie at Family Money Values @ Family Money Values writes What is Leadership? – What is leadership? What kind of leadership does a legacy family need?

Jessica Moorhouse @ Mo’ Money Mo’ Houses writes Rich Dad, Poor Dad’s Robert Kiyosaki & a TV Giveaway! – Robert Kiyosaki is famous for his books all about personal finance and becoming rich, but is he the real deal or just a good salesman?

Jason Hull @ Hull Financial Planning writes Get a Massage Before Doing Your Budget – Stress can keep you from reaching your financial goals. This article explains why and how to avoid stress when doing financial planning.

SB @ One Cent at a Time writes All About Car Tires and How it Relates to your Money – Car tires play a very vital role and are a very valuable safety feature on a vehicle. Learn how to save money on car tires, how to increase the tire life and what precautions you must take while purchasing new ones.