Archive for the ‘carnivals’ Category

Carnival of Financial Camaraderie

Saturday, October 27th, 2012

BUDGETING

Jason @ Live Real Now writes – There’s a lot of uncertainty that, at most, involves $20,000. Again, it’s not nothing, but it’s not a lot. It won’t cover our barebones expenses for 6 months. We pay $15,000 per year just in daycare, and we need to put braces on a kid next year. We are in a much better place, but I can’t stop hustling.

Div Guy @ The Dividend Guy Blog writes – Should you invest your money into this stock?

Little House @ Little House in the Valley writes – For those who must burn the midnight oil (quite literally), here’s an infographic that explains winterizing preparations:

Beating Broke @ Beating Broke writes – Hopefully the tips below will provide both students and parents with a few ways to make college expenses slightly more manageable.

Jason @ Live Real Now writes – We have 2 drivers in the house and 3 vehicles to drive, and the highest insurance premium is on the vehicle getting driven the least. We haven’t decided what we are going to do, yet.

Everything Finance @ Everything Finance Blog writes – Utilizing a few money saving techniques can help you have nice wedding invitations that don’t cost a great deal of money so you have money to use on other more important parts of the wedding. Consider these techniques to save on wedding invitations:

Ben Feldman @ ReadyForZero Blog writes – Is it possible to be too frugal? This blogpost explores the question of when is it good to save money – and when can it end up costing you more than you bargained for.

 

BUSINESS

Maria @ The Money Principle writes – This article offers tips that can help you cut on energy costs; in your business and in your home.

 

CAREER & EDUCATION

FMF @ Free Money Finance writes – There’s no doubt about it: managing our careers for maximum growth can have a huge financial payoff. All you need to do is look at the numbers to see that this is true. If you start taking the steps to grow your career now, no matter where you are in your career, you will make more than you would have without doing anything.

Marie at Family Money Values @ Family Money Values writes – In this presidential election year, there is enormous focus on adding jobs to the economy. Many of those jobs come via new businesses – start up companies. Pretty much all of these start up companies are small. If we are successful in providing the environment in which these new businesses thrive, then you may very well have an opportunity to work in a small company – but should you? Here are six reasons you might want to work in a small company.

Martin @ Start Freelancing Now writes – What you need to do to become successful working for yourself.

Suba @ Broke Professionals writes – Forget that John is my ex – instead consider that he’s about to take a monumental career leap, leaving his long-time desk job to become a med student.

Amanda L Grossman @ Frugal Confessions writes – I am going to be unlike the stereotype and share with you the history of my waist size. Throughout high school I was a solid zero.

Robert @ Entrepreneurship & Life writes – I recently took a 10 day trip out of the country and had almost no email and internet access. Just because I was gone, however, doesn’t mean business took a break. Here are some tips on running your business while out of town.

Sicorra @ Tackling Our Debt writes – Finding decent work from home jobs has become quite easy so why not take advantage of it? After all you know that making more money allows you to get out of debt quicker, build up a retirement account, increase your savings, travel more, and relax, knowing that you have the money that you need readily available.

Miss T. @ Prairie Eco Thrifter writes – Asking for a raise is a game of negotiation, and you have to bring something to the table that convinces your employer you’re worth the extra bucks.

Teacher Man @ My University Money writes – One of the closest friends has recently been put through the ringer by the Canadian Student Loans Centre, and although this is far from the only saga of incompetence I have heard in relation to that bureaucratic boondoggle this one takes the cake.

 

FINANCIAL ADVICE

Savvy Scot @ The Savvy Scot writes – WARNING: This post may cause a realisation! The Savvy Scot broadly categorises the 3 different types of saver – Disciplined, Occasional and Horrendous – the question is; are you really the type you think you are? Oh and there is $50 to be won by reading here too…

Grand Per Month @ Grand Per Month writes – Have you ever purchased a car for a deal of a price? Feels pretty good doesn’t it? You can drive that car for quite a while and still get your money back out of it, even if it’s been a couple of years. What if, instead of holding onto that car, you flipped it instead? You could earn an easy thousand bucks a month if you continually find the right deal.

Penny Thots @ Penny Thots writes – The common thread of all retirement advisers seems to be how many millions we’ll need to have in order to live during our retirement years. With all the recent studies about how poorly everyone is doing with saving anything, I have to wonder how many will achieve the high standard that is set before us. If we look at things from another direction, is it possible to live out our retirement years without all the millions required?

Pete @ Personal Finance Online writes – One family I know is underwater by $40,000 on a $200,000 home. Thanks to several foreclosures in a short radius around their neighborhood, prices have plummeted. They bought in at the top. Should they invest in their underwater home?

Jeff Rose @ Good Financial Cents writes – As a financial planner, I spend most of my day strategizing with clients, helping them plan for retirement. This consists of analyzing cash flow needs, identifying goals and objectives, reviewing current investment allocations, and a lot of other stuff that sounds really, really important. At the end of the day my prime function is to make sure that my clients are completely comfortable and confident in the plan that we have laid out before us.

Melissa @ Bargaineering writes – There are ways to avoid the fees and the inconvenience of counting and rolling your own change.

Tim @ Fortune Fanatic writes – My parents are buying a retirement home. Here’s what they are looking for a in a home to retire in.

Evan @ My Journey to Millions writes – Bloomberg reported earlier this month that MetLife, the largest life insurer in America, is going to be selling prepaid life insurance on the shelves of Walmart. The article explains the transaction and prices pretty simply:

Mr. Money @ Smart on Money writes – If you are ready to take charge of your financial life, streamlining it for better effect, here are 4 actions you can take:

Peter @ Bible Money Matters writes – The 2013 tax year is still up in the air at this point, and depending on what happens in the Presidential election on November 6th, and what lawmakers decide to do, we could see some significant changes in the tax rates, or they could choose to extend current tax rates – again – as happened last year when the Bush tax cuts were extended for 1 year.

Robert @ The College Investor writes – In my continued quest to move my finances to the cloud, I’ve found a free tool that really nails everything Mint does, PLUS investments. It’s called Personal Capital. And I’ve been using it for about a month now and LOVE it.

Michael @ Modest Money writes – When it comes to discussing issues revolving around money with parents or partners, the conversation can get awkward, or even aggressive, quickly. As a result, many people try to avoid bringing up money matters as much as possible. This is the wrong approach.

Investor Junkie @ Investor Junkie writes – While Mint.com is one of the most popular budget tracking apps out there, it isn’t the only option. For those who want to go a little deeper with their personal finances, in a way that Mint can’t always match, there are alternatives.

 

FRUGALITY

Sani @ Well Kept Wallet writes – Creatively managing resources is essential if you want to have more fun with shopping, socializing, and enjoying down time. Just as time management is a huge factor, so is budgeting the bill! You need to juggle resources to pay for the cost of living, books, student loans, and still have money left to kick back and rejuvenate doing something fun.

Vanessa @ Vanessa’s Money writes – Ever wonder if it’s cheaper to buy a car WITH financing? Are used cars always cheaper than new cars?

Jamie @ Financial Footsteps writes – The Kindle won’t save you very much money. See what it will save you!

Weasel @ Wealthy Weasel writes – All car insurance companies can save you money. See why you should check your car insurance rates frequently.

Kerry @ Frugal City Girl writes – Dealing with the impulse to give up on long-term planning for short-term pleasures.

Bill @ Budgets Are Awesome writes – Does store loyalty really help the consumer? I share my opinion on store loyalty programs and whether or not the savings are worth your participation.

Rachael @ Money & I writes – Buying new technology is frustrating when it updates so often, so here I ramble on about my internal battle with technology and trying to save money.

Jon Rhodes @ Affiliate Marketing writes – Here are some unique ways to help you save money on food.

Holly @ Club Thrifty writes – My mom taught me many things as a child about making good financial decisions. They’ve stuck with me. Although my kids are young, I hope to do the same.

Sean @ One Smart Dollar writes – The average American will spend $80 this year on Halloween. This doesn’t need to be the case if you find creative ways to cut down on the costs.

Penny Thots @ Penny Thots writes – Amy is a bit of a coffee snob. No gas station coffee for her! Heck, she doesn’t even like Starbucks. So, she could stop at one of those premium cafes where a small coffee is $6, or she can buy premium roasted beans, grind them at home and brew her own coffee. This can save a surprising amount of money.

Matt @ Living in Financial Excellence writes – We originally figured with less stuff to move, we would save on what we paid the movers. But after we cleaned a lot of things out of the house, we realized we didn’t have that much left to move. At that point, we started thinking it wouldn’t be so bad to move ourselves. Complete crazy talk, but we went there anyway.

Paul Vachon @ The Frugal Toad writes – According to the Bureau of Labor Statistics, food is the third largest monthly expenditure families have after housing and transportation. With a little planning, you can save on food costs by trying some of these easy tips.

 

INVESTING

Suba @ Wealth Informatics writes – We want to retire by 40. The goal just got more challenging with me quitting my job, thus cutting our household income in half. Is it still possible for us to achieve this dream?

Dividend Growth Investor @ Dividend Growth Investor writes – Dividend losers focus on excuses that prevent them from achieving their goals of financial freedom. Dividend Winners on the other hand, focus on creating specific goals, and the steps to make them a reality.

TRL @ The Retired Landlord writes – Want to get ahead? Find out how the rich use their wealth to their advantage and how you can work your way up the economic ladder.

SBB @ Simple Budget Blog writes

Rich @ Growing Money Smart writes http://www.growingmoneysmart.com/what-is-dollar-cost-averaging/’ target=’_blank’>What is Dollar Cost Averaging?- Dollar Cost Averaging is an investment strategy where you are investing static

amounts of chunks of money spread out over time (instead of a lump sum purchase) in a given investment.

Ryan @ Early Retirement Investments writes – Should you buy real estate or invest in real estate? Read my take on the options.

krantcents @ KrantCents writes – Chess is a two player board game played by millions of people at home, in clubs, online and tournaments. Chess strategy consists of setting and achieving long term positioning advantages while tactics concentrate on immediate maneuvers during a game.

Kyle @ The Penny Hoarder writes – Becoming a landlord can be a great experience, but challenging at times. You do your best diligence possible, but the inevitable will arise. Here are some tips from one landlord to another to help you become successful. 1.

Sustainable PF @ Sustainable Personal Finance writes – An update 1 year after using a midwife for the delivery of our son.

IMB @ Investing Money writes – Find out how you can start investing without knowing anything about investing.

Jester @ The Ultimate Juggle writes – My latest spending vice is pumpkin spice lattes. I’m struggling to get this cost under control, but I think I have it now!

Passive Income Earner @ The Passive Income Earner writes I was reading an article in Canadian Business about shorting mortgage lenders (the alternate lenders to be more specific). What I find the most interesting is how speculative mortgage interest and housing markets are. For the past 6 years, we’ve heard about a bubble crashing and yet no crash has happened yet. Many comparisons are made with the U.S.

Corey @ 20s Finances writes  - The stock market plays a part in everyone’s daily lives, yet Wall Street is still one of the most mystifying places on planet earth.

Sam @ Money Management Blog writes – Mutual fund load fees make brokers rich and their investors poorer. Learn how to avoid load fees when you buy funds.

Infinite Banker @ Becoming Your Own Bank writes – Dividend paying whole life insurance is a whole life insurance policy that has cash value and pays dividends. These policies have many tax advantages, liquidity, growth, opportunity, and other advantages that many are unaware of.

Young @ Young And Thrifty writes – Unlike my pal Young and several of my other favorite financial bloggers, I am a 100% advocate of passive investing. Its much easier then trying to guess!

Ken Faulkenberry @ Arbor Investment Planner writes – Tactical asset allocation is an active strategy that includes continual management of risk through portfolio rebalancing to a flexible asset allocation based on value.

Jeff Rose @ Good Financial Cents writes – They say you have a 1 in 10,000,000 chance of winning the lottery. Well, today is my lucky day because I just won – yeah baby!! Okay….maybe I didn’t actually win. We’re just going to pretend I did for the sake of this article.

Lazy Man @ Lazy Man and Money writes – Saving for College has a College Cost and Savings Calculator, which is dead simple. You just put in a child’s age and it tells you a number that you need to save. I put in $0 just now and it came up with a $602 number that I have to save each month. From there, you can adjust the scenarios just like I could with my Excel spreadsheet.

Marie at Family Money Values @ Family Money Values writes – Keep lucrative interest payments in the family and help out family members with loans by setting up a family bank. Here’s what and how.

 

SAVING

Bruce @ Banking Brute writes – Can a bank deny you a savings or checking account because of bad credit? Find out now.

Wealth Effect Blogger @ www.YourWealthEffect.com writes – Comparing how low interest rates have impacted both savers and borrower.

J.P. @ Novel Investor writes – The IRS increased the amount you can save for retirement with a slight boost to the 401k contribution limits for 2013.

 

OTHER

Mike @ The Financial Blogger writes – How to blast through a plateau to hit new goals.

SFB @ Simple Finance Blog writes

Corey @ Steadfast Finances writes – Some families are not handing out candy for Halloween as a way to save money. Find out why.

PITR @ Passive Income To Retire writes

Your Boss @ What Your Boss Really Thinks writes http://whatyourbossthinks.com/unsent-letters-to-my-employees-bob-the-slacker/’ target=’_blank’>Unsent Letters To My Employees: Four Months of Nothingness- Step-by-step outline on how to deal with difficult employees.

ETZ25 @ Entertainment Timez writes – This article explains why a dividend money stream for entertainment is good especially for kids and young adults, and even older adults.

Mike @ Personal Finance Journey writes – A great tip on obtaining a good credit rating in the UK and how to start early on this process. Additionally some good resources to look at your UK credit rating.

Jennifer Lynn @ Broke-Ass Mommy writes – Read how my gold Angel is a good item to spend credit card money on!

Tushar @ Start Investing Money writes – If you’ve been reading our blog in recent weeks you’ll know we’ve covered peer to peer lending and two services in particular: Lending Club and Prosper.

John @ Married (with Debt) writes – Last year I was buying and selling small amounts of silver and gold each month, but put that on hold after a large price drop in silver convinced me to focus every dollar on paying off debt.

Roger the Amateur Financier @ The Amateur Financier writes – A guide to some of the financial considerations you need to make as you are trying to prepare for your new baby financially, by getting your money in order.

Michelle @ The Shop My Closet Project writes – This month I was able to find an extra $200 that I would have normally frittered away on random stuff.SavingAdvice.com and Blogging Away Debt are currently doing a Snowflake debt reduction giveaway. The idea is to get their readers fired up and thinking about all of the ways they can add to their debt repayment plan.

Jon the Saver @ Free Money Wisdom writes

Wayne @ Young Family Finance writes – Getting a new car may feel nice, but is it worth the higher cost? Find out now!

Hank @ Money Q&A writes – Having a $1,000 emergency fund in place before you start to tackle your debt will help you from having to go back to your credit cards for a bailout. When a true emergency comes up, you should have a buffer of cash.

Luke @ Learn Bonds writes – In this article we give the definition callable bonds, the different types of call options, and differences between callable corporate and municipal bonds.

Daisy @ Add Vodka writes – Leadership. People in all areas use this word as if it were one of the most valuable traits a person can have. But what makes a good leader? You can’t be born with leadership.

TDB @ Tax Deduction Blog writes – When it is that time of the year when taxes have to be done, many are struck with a tough decision to be made every year, on how to go about getting them done. Should they do their taxes by themselves or should they consult an accountant? The answer depends on the situation of an…

CAPI @ Creating a Passive Income writes – These online ideas will only supplement your main income source, but if you work hard enough, they can generate a decent amount of money.

Daniel @ Sweating the Big Stuff writes – Have you ever had all your friends talk about that one epic night they went out and you missed it? What would you pay in retrospect to have been there?

Crystal @ Budgeting in the Fun Stuff writes – Sometimes the key to making a budget work is to play with the numbers a bit.

MR @ Money Reasons writes

Jen @ Master the Art of Saving writes – There’s nothing more frustrating that blowing a whole lot of cash at an online casino because you were impatient, or didn’t want to take the time to set yourself a budget and play within …

Don @ MoneySmartGuides writes – Discover the myth about diversification and my take on it.

krantcents @ KrantCents writes – Most people manage to go through life, managing their money, without racking up any bank account fees. However, it is very easy to incur fees on your current account, simply because you don’t know the kinds of transactions and other things that banks charge for.

Ashley @ Money Talks Coaching writes – When you are making a budget there are 4 types of items you must include.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes – Before you rent an apartment, improve your credit, perpare your rental and job history. Look professional.

Invest It Wisely @ Invest It Wisely writes – It’s often said that the good thing about making mistakes is the lessons you learn from them. But what if you don’t know what you’re doing is a mistake?

A Blinkin @ Funancials writes

PPlan @ Provident Plan writes – Getting rid of a credit card affects more than just your credit limit. Find out what it means for your finances.

Debt Guru @ Debt Free Blog writes – If you are trying to pay off your debt, you will learn to balance debt payoff and enjoying life in the present.

Eddie @ Finance Fox writes – Should you should go on a vacation when you are in debt? A question that we will answer at Finance Fox.

Jason @ Work Save Live writes

JP @ My Family Finances writes – If you are in a difficult financial situation, these behaviors will make a bad situation worse.

Tushar @ Finance TUBE writes – Today we will talk about 12 Different Taxes That Americans Pay. When we think of taxes people usually think about federal income taxes. It is because federal and state taxes some American looses 35 percent of their pay check to the income taxes.

Ted Jenkin @ Your Smart Money Moves writes – Ask any business owner what it is like to get a loan from a bank today and you’ll quickly find out that unless you are willing to give your right arm and left

Shawanda @ You Have More Than You Think writes – If you’re new here, you may want to subscribe to my RSS feed or e-mail.

This carnival is hosted every second week by  and you can submit articles at  or Blog Carnival HQ.

The post appeared first on .

https://essayclick.net/