Carnival of Retirement

30th September 2013

Welcome to the  Carnival of Retirement. If you would like to submit an article to the Carnival of Retirement for next week, you can do so here.


Tushar @ Start Investing Money writes 3 Reasons to Become an Unusual Investor – When we think about investments the usual suspects pop into our minds. We think of the stock market. We think of bank accounts of all kinds, not to mention any tax free options we can get our hands on. We probably don’t think about wine, art and rare coins.

Bargain Babe @ writes 10 Alternatives to Christmas Gifts – Don’t hate me because it’s September and we’re going to talk about alternatives to Christmas gifts. Think of this as you getting a head start on the inevitable holiday. Yes, I realize it isn’t even…

Maria @ The Money Principle writes Smart driving can be cheap – Smart have introduced another car in their range that specially targets the 21 year olds. Driving with Smart can be cheap, stylish and trendy.

Hank @ Money Q&A writes How To Save Money On Your Mobile Phone Bill – Mobile phone bills can be a burden on anyone trying to live on a tight budget. But, you can save money on your mobile phone bill with these great tips.

Michelle @ The Shop My Closet Project writes One Month until FinCon13! So excited! – I bought a ticket for this conference. I’d never gone to a conference outside of work conferences and I’d barely gone to conferences for work. I had no idea what to expect. It was the best $100 I spent last year.

Michelle @ Diversified Finances writes Do you need an emergency fund? – Our emergency fund is finally fully funded. WHEW! Since I am switching to full-time self-employment, we have been really focused on building it back up. A couple of months ago, I drained our emergency fund completely so that we could pay the ol’ student loans.

GMM @ Grad Money Matters writes Great ideas for Side Jobs in the Fall or Winter – Side jobs are always on my mind. There are so many positives to starting a side job. These include: extra money (of course!), being able to pay off debt more quickly, being able to save for your next financial goal a little more quickly, and more. Side jobs allow you to hopefully not live paycheck to paycheck. You can diversify your income and not be as reliant on one area.

Michelle @ Making Sense of Cents writes Things I Wouldn’t Do To Save/Make Money – Well, what about things that I won’t do to save money? There’s room on a personal finance blog for that, right?

Luke @ Learn Bonds writes Bonds vs. Bond Mutual Funds – Which do you choose, individual bonds or bond mutual funds? Depending on your investment strategy, the answer will vary. Here are some tips to help decide.

Minimalist @ Minimalist Finance writes Ways to Make More Money Without Having to Work More – Ways to Make More Money Without Having to Work More has been published on Minimalist FinanceWe’ve previously described methods of making money, and they are all great suggestions. Every day, people are making money above and beyond their income from their day jobs, and it’s providing families with a sense of security.

Lindy @ Minting Nickels writes Careers away from Higher Education: Uni’s not for Everyone – For many of our youth (and mature students alike), university isn’t the be all and end all when it comes to a successful future.

Rich @ Growing Money Smart writes Renting A Room vs Buying A House In College – The Renting a room vs buying a house debate continues and for some it works and others it doesn’t. It wasn’t an option for me, and here’s why…

Tushar Mathur @ Everything Finance writes Time Is Money So Invest It Wisely – Time is money, so invest it wisely. Do this by creating time to better yourself whether through reading, exercise or spending time with those you love most.

Crystal @ Budgeting in the Fun Stuff writes The Art of Choosing Between An Experience And A Possession – So you have extra money – do you buy stuff with it or buy an experience with it? Here is my argument for the experience.

LaTisha @ Young Finances writes Will I Have to Buy Health Insurance? – The Affordable Health Care for America Act was signed into law on March 23, 2010. The Supreme Court ruled that Obamacare is constitutional.

Mike @ Personal Finance Journey writes Good financial reasons to volunteer your time – How volunteering your time can help your financial journey along in leaps and bounds. Do you volunteer anything?

Corey @ 20s Finances writes How to Get Raise – If you want to earn more money, there are a number of things you should do.

SFB @ Simple Finance Blog writes How To Save Money On Back To School Supplies – Every parent who has a school-going child knows that shopping for back-to-school supplies is usually heavy on a budget, but that does not mean that you should break the bank.

Don @ MoneySmartGuides writes Top Money Saving Tips for the Techy Generation – There are many money saving tips but with the changing of technology, new tips are commonplace. Here are a handful of money saving tips for the techies.

Tushar @ Earn More and Save writes How to Make Money With Real Estate – There are several entrepreneurs who are in the business of making a living off of real estate. While earning money through real estate seems very attractive, a lot of hard work and risk is put into this business.

krantcents @ KrantCents writes Financially Preparing for Future Goals – Life is expensive and meeting various financial demands often calls for early preparation. Maybe you’re planning an upcoming vacation. Or perhaps you want to save for your kid’s college education or plan your retirement. Regardless of your life goals, here are tips to prepare your finances.

Jacob @ AllPersonalFinance writes Why Having A Good Credit Score Is Important In Today’s World – A credit score is a numerical summary of the financial history of an individual. These scores are now readily available to many companies. They are used to determine risk or credit worthiness without having to read an entire credit history. A poor credit score can have a significant impact on an individual.

Crystal @ Married (with Debt) writes I Don’t Care if My Wife Hits the Lottery – I am going to discuss the things that I evaluated when I purchased my term-life insurance policy with a death benefit of $2 million.

Ryan @ Cash Money Life writes Could a Splurge Be a Positive Thing? – Sometimes it is OK to splurge and spend a little extra on something fun or frivolous. But it’s important to know when to spend the money, and when not to.

Don @ Money Reasons writes Why Are Auto Insurance Rates Different In Some States? – You even wonder why auto insurance rates differ in some state dramatically than in others? Read more to find out why, and please comment on what you think!

Jester @ The Ultimate Juggle writes Why I Love My Job – I’m sure you’re surprised to read the title of this post. And I bet you’re even expecting some very sarcastic story about how I don’t love my job. But the reality is – this title is completely accurate.

Kyle @ The Penny Hoarder writes 5 Quirky Businesses Posting Growth in Difficult Climate For Retailers – Given how difficult it has been for many companies to get ahead, bosses and marketing teams have had to ensure that they come up with killer ideas in order to try and expand.

Mr. Frenzy @ Frenzied Finances writes Go Green to Save Green: Tips for a New Lifestyle – Going green can often bring dollar signs to the average American’s eyes. Read here for tips and advice on going green, and learn how it can save you money!

Wayne @ Young Family Finance writes Easing the Pain of Student Loan Debt – With tuition prices getting higher, debts are hard to pay off. Here are some things you can do to ease the pressure of student loan payments.

Eva Baker @ TeensGotCents writes Starbucks Coupons – Shopping With Sarah – Sarah has found a way to get a great deal on her favorite drink. Did you know that you can buy Starbucks coupons – all sorts of coupons – even gift cards?

SBB @ Simple Budget Blog writes What Personal Budgeting Software is Right for You? – Quicken? Mint? Excel? What software fits your personality? Here are some descriptions to help you figure it all out.

Roger the Amateur Financier @ The Amateur Financier writes 10 Truly Unusual Investments – A list of unusual investments, including collectibles, peer-to-peer, and crowdsourcing, as a means of diversifying investments and providing profits in the future.

Suba @ Broke Professionals writes Save on Entertainment Costs with Cable or Satellite – The price of everything is going up. Child care, groceries, transportation costs; you name it, you are paying more for it now than you have in the past.

Cindy @ MidLife Finance writes 10 Travel Tips I Learned During Summer Vacation…So You Don’t Have To – We actually had many great trips this summer — but learned several things (and avoided some problems) through research, experience and some fancy footwork.

Ted Jenkin @ Your Smart Money Moves writes Here’s Why Your Friends Are Going Broke – Most of the time when we talk about personal finance, topics including credit card debt, savings, investments, insurance, and coupons creep into the

CAPI @ Creating a Passive Income writes All or Nothing: Gambling and Finances – For the casino lovers and financial activists alike, here is how you can manage both worlds without possibly ruining your future for the long haul.

IMB @ Investing Money writes Investing in Health Care – Health care these days is hard to follow – especially as an investor. Read here for the latest information on health care and investing.

Daisy @ Suburban Finance writes Advantages of Suburban Living – There are many advantages to living in the suburbs instead of the city.

Cat Alford @ Budget Blonde writes 5 Money Saving Tips for DIY and Design Projects – Want some money saving tips for DIY and design projects? Well, look no further than today’s post! I really miss doing DIY projects!

Debt Guru @ Debt Free Blog writes Fact or Fiction: Truths About Your Credit Report – There are so many bogus falsehoods about a person’s credit report they’re like ants on a wet log. Read here to get the real story on your credit report.

Michael Kitces @ Nerd’s Eye View writes Is A Reverse Mortgage Better Than Keeping A Traditional Amortizing Mortgage In Retirement? – Many retirees keep a mortgage in retirement, not wanted to liquidate a large portion of their portfolio to pay off the loan and risk being “house rich and cash poor.” Yet the reality is that if the goal is to keep a mortgage throughout retirement, the best approach may actually be to use a reverse mortgage, not a traditional one!

Anton Ivanov @ Dreams Cash True writes How to Get a Free Credit Score – Your credit score is just as important as your credit report. Our guide explains how to get a free credit score from Credit Sesame in just a few minutes.

John @ Fearless Men writes The Short and Sweet Guide To Target Retirement Funds – How to make Target Retirement Funds work for your financial stability and retirement. Invest now and invest early!

mochimac @ Save. Spend. Splurge. writes Retirement savings rule: How much do you need to save? – Retirement savings rule: How much do you need to save?

MMD @ My Money Design writes How Do You Compare to the Average Retirement Savings of Other Americans? – If you’re a devout saver, you may be surprised to find out just what the current average retirement savings for most Americans actually are. But don’t get comfortable – just because others are falling behind, we’ll discuss the things you need to do to get ahead and reach your retirement goals.

MMD @ IRA vs 401k Central writes Understanding the 401k Limits on My Contributions and Other Rules – The IRS has many 401k limits placed on how much you can contribute, how much your employer can contribute, and a lot of other aspects that can affect your savings and future withdrawals. This post will cover all the main highlights.

Robert @ Entrepreneurship Life writes Entrepreneurial Writers: The Importance of an Editorial Calendar – For the longest time, I had been winging it while blogging–posting when I felt like it and coming up with ideas to post when I thought about it. However, this led to posts being published at random times of day (although occasionally I would schedule posts for the next day or write a few at a time). Now that I’ve grown a bit bigger, I’ve determined it’s finally time for an editorial calendar.

Alexa @ Defeat Our Debt writes 5 Drastic Ways to Free Up Money for Debt Repayment – Paying off debt can take a long time. Depending on how much debt you’ve racked up it could take months or even years to pay back. If you’re serious about eliminating your debt you may need to make some drastic changes. Here are 5 drastic changes you can make to free up money for debt repayment.

Alexa @ Single Moms Income writes How a Single Mom of 4 Gets Out of Debt – Five years ago, I paid off my credit cards. While I’m a happily married woman and mother of seven now, at the time I got out of debt, I was a divorced, single mom of four children.

Robert @ Cult Of Money writes The Secret to Success: Doing It Anyway – While some of the keys to success are out of your hands like timing, location, and circumstances there is one factor that increases your likelihood of success at just about anything. That is doing the less than fun tasks even when you don’t want to do them.

Christopher @ This That and The MBA writes How Much Do You Need To Have In The Bank To Retire? – In order to get you thinking about what these numbers and calculations might be, you should use the internet to your advantage and stake out a couple good online calculators – there are everywhere! These are largely just to get you thinking, however – what you really need is a financial advisor.

Dollar @ Easy Extra Dollar writes Quick Tips on How to Make Money Online – It’s a tool that monitors the products posted on ebay and providing some basic information on what types of products are listed and how much percent of the posted product where sold within the 7 days of data gathered. For oDesk, a lot of the jobs employers ask freelancers to do is to find information and consolidate information on a single document or webpage.

Jacob @ Cash Cow Couple writes Motif Investing Review – Motif Investing is an innovative company that allows you to hold motifs (bundles of specialized stocks) in your investment portfolio.

Jon Haver @ Pay My Student Loans writes Federal Student Loan Forgiveness Program – You may be asking yourself how that is even possible. Most people when they took out their loans thought they would have to pay this money back without a doubt, but that is not necessarily the case.

Lazy Man @ Lazy Man and Money writes Buy Stock in What You Know VS. Buy Stock in What Others Are Buying – Investing in what you know, can be, quite frankly, a terrible idea. I’ve learned this lesson the hard way a few times.

Little House @ Little House in the Valley writes How to Avoid Late Fees and Pay Extra Interest on Credit Cards – It can sometimes be difficult to make your credit card payments on time. Below, you’ll find some pointers to help you manage your monthly credit card payments.

Charles @ Getting A Rich Life writes The #1 Reason You Should Save For Retirement – We currently have a retirement crisis. Most people are not saving enough for their future. This is the #1 reason why you should save for retirement.

Adam @ Money Bulldog writes What Is Holding You Back from Setting Up Your Own Business? – How to turn your life around and be a business owner yourself. Defeat life challenges and become your own boss!

Adam @ Money Rebound writes Earn a Bigger Salary without Changing Jobs – Loving your current average-paying job but struggling to pay the bills? Find out how you can earn more without having to leave your dream job.

J Rodriguez @ Modest Money writes Lending Club Review – Peer to Peer Lending Platform Review – Peer to peer lending has come a long way and become established as a possible way of earning an income from simply loaning others money in an organized enviroment. Lending club offers such a platform smoothly facilitating the lending.

Usiere @ Financial Freedom Inspiration writes Achieving Financial Independence: the power of Momentum – Habits are such a powerful force. According to a quote by John Dryden – “We first make our habits, and then our habits make us.” Your habits can predict where you will end up if you keep going the way you are going. This holds true in every area of life, every goal we set out to achieve. It determines whether we are making progress towards it or it is just a pipe dream.

Mr. Big Day Coming @ Big Day Coming writes Respecting Tens By Changing Your Math – Change your math and your viewpoint around when it comes to saving small amounts off your expenses by looking at the huge impact they have on your retirement.

John S @ Frugal Rules writes Investing in Real Estate with Limited Funds – Many think that they need a lot of money to be able to invest in real estate. While that certainly helps, there are a number of ways you can invest in real estate and not need tens of thousands of dollars to do so.

Harry Campbell @ Your PF Pro writes Which Cards to Apply For In My First Credit Card App O Rama – This is the second article in a three part series on applying for credit card bonuses aka App O Rama(AOR). In the first part, I talked about how to prepare for your first App O Rama, the potential benefits and the impact to your credit score.

Miss T. @ Prairie Eco Thrifter writes How to Save Money by Downsizing – Recently I was faced with the prospect of having to downsize my vehicle because I simply couldn’t afford to keep the big SUV on the road any more. This got me thinking some more about how to save money by downsizing

Harry Campbell @ The Four Hour Work Day writes Paycheck to Paycheck is No Way to Live – I’ve been very fortunate in my life never to have lived paycheck to paycheck. Although I attribute a lot of my financial success to myself, I’ll be the first to admit I’ve also gotten lucky. I bought a house at the very bottom of the market, when rates also happened to be at their lowest, simply because that’s when I happened to graduate.

Vanessa @ Vanessa’s Money writes Want to graduate debt-free? Move to Quebec! – Start thinking of outside of the box tips to lower tuition and graduate debt-free!

Pauline @ Make Money Your Way writes Stock Picking: Buy the Leaders – This post talks about buying and selling individual stocks by introducing you to William O’Neill’s CANSLIM stock picking style.

Pauline @ Reach Financial Independence writes Interview with Jason Hull, a $397 money course and $25 Amazon gift card giveaway! – Today I am delighted to welcome Jason Hull from Hull Financial Planning. I’ll let him introduce himself and his new Winning with Money course.

Jon @ Novel Investor writes Ways To Avoid The IRA Early Withdrawal Penalty – The IRA withdrawal rules are very specific about when money can come out of an IRA. That includes ways to avoid the IRA early withdrawal penalty.

FF @ Feeling Financial writes Investing and Emotions Shouldn’t Mix (But They do Anyway) – Emotions have no place in investing, but the fact is that they’re there anyway. Why does it matter, and what can we do about it?

Investor Junkie @ Investor Junkie writes Are Your Retirement Savings on Track? – If you haven’t taken a look at your retirement account recently, or are a beginner investor, now is a good time to see if your retirement savings are on track. Here’s a simple checklist to make sure your retirement savings are propelling towards your goals.

Thomas @ Finance Inspired writes Qatar Airways Flying High – Qatar Airways Flying High Thanks To Millions Of Facebook Fans

Simon @ Chance with Finance writes Money Saving Tips for Haulage Companies – Money Saving Tips for Haulage Companies

Edgar @ Degrees and Debt writes 7 Financial Tips for College Freshmen – Tips for College Freshmen regarding their finances!

Mr.CBB @ Canadian Budget Binder writes Living on a budget is for losers – A budget for some people means they are restricting themselves from spending and for others it means understanding where their money goes. There is no wrong or right answer when it comes to budgeting because a budget doesn’t have to be an excel spreadsheet all you need to know is where your are at, where you are going and are you succeeding at reaching your goals.

Chad @ The Stock Market and I writes Why QE is Important to You – A brief synopsis of the effects of QE for the 1 in 5 Americans who do not know it exists.

Anton Ivanov @ Dreams Cash True writes Portfolio Planning Basics – Opening Appropriate Investment Accounts – Learn about the different types of investment accounts, including retirement, taxable, Traditional, Roth, 401k Plan and IRA accounts.

Jessica Moorhouse @ Mo’ Money Mo’ Houses writes – In order to get our finances all organized, my husband and I have decided to get together every Friday to discuss a new money topic. Here are just a few topics we’ve planned on discussing in the coming weeks.

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