Without further ado, here are this week’s best personal financial planning and personal investment articles from the top personal finance blogs. This edition is arranged by subject heading, so that you can browse efficiently.
BUDGETING AND ECONOMICS
Lynn @ Wallet Blog writes Fire Your Lawn Service & Save Some Money This Summer – It’s summer! If you’re thinking of dumping your lawn service and pocketing the difference, here are some tips for maintaining your own yard without breaking the bank.
@ Canadian Budget Binder writes Cloth Diapers Vs. Disposable Diapers And Your Baby Budget – Once you get the good news that you are expecting it’s time to start planning for the arrival of your baby and getting your baby budget in order. Making sure you have everything ready to go includes figuring out whether you want to use disposable or cloth diapers for your baby.
John @ WILD about Finance writes 6 Ways to Cut your Business Costs – Even though we have seen signs of recovery in the economy, there are still plenty of businesses out there struggling to make ends meet. Heres a few tips for them.
AB @ Aspiring Blogger writes Income and Expense Report – May 2013 – We had a CRAZY month where we spent almost $100k!!! It’s definitely not a pattern to be repeated, but take a look at what we spent it on and what we plan to do next!
Maria @ The Money Principle writes What is crowdfunding? – Crowdfunding is a way to raise finance to transform your creative ideas into successful products. This article explains how to make most of crowdfunding.
Jordann @ Making Sense of Cents writes What Is Your Pet Worth? How much would you spend on a sick pet? – This is, a bit of a sticky conversation, but one that I think is worth having. A few weeks ago, my cat, Mia, got sick. She’s four years old and has been remarkably healthy so far in her life, requiring almost no vet care other than spaying her at six months of age.
Jules Wilson @ Faithful With a Few writes How To Stop Infrequent Payments From Destroying Your Budget – Infrequent Payments can destroy your budget when they come up unexpectedly. Here are a few tips on how to set up reminders and incorporate them into your budget
Money Soldiers @ Money Soldiers writes Saving Pennies and Sanity – Olivia wanted roller skates. Henry always wanted a new Lego set. Instead of suffering pouty faces every time I said no, I decided it was time to rewrite the house’s financial rules.
Christine @ CouponsOnline123.com writes Dominos Pizza Coupons and Coupon Codes – With the kids home this summer, hanging out with friends and having a good time doesn’t have to be expensive burden on your family, especially feeding the group. Check out coupons online, including ones from Dominos, Edible Arrangements, Pizza Hut, Papa Johns, Subway, and any other major retailer.
CAREER AND INCOME
Michael Kitces @ Nerd’s Eye View writes How Coming Health Insurance Exchanges Will Drastically Impact Career And Retirement Decisions – In just a few months, deciding where to work will no longer need to be tied to the availability of health insurance, freeing people to make job changes, start new businesses, or simply retire before age 65 Medicare eligibility, without worrying about how they’ll get access to health insurance. How many would still be working where they are today if health insurance availability was guaranteed regardless of where (or whether) they worked?
MR @ Money Reasons writes Life is more than cartoons and crayons – Life is more than cartoons and crayons, but how do I teach my kids that? This is me trying to figure it out!
CAPI @ Creating a Passive Income writes 10 Small Business Horrors (And How to Avoid Them) – Starting a small business means a lots of planning. It’s great for your passive income, but there are pitfalls you’ll face. Read here to learn about them.
Martin @ Studenomics writes Should You Enjoy Your Job in Your 20s? – Should you be happy with your job or just accept a paycheck?
DEBT AND CREDIT
John S @ Frugal Rules writes How I am Paying for FinCon: Barclaycard Arrival World Mastercard Review – There are many credit cards out there that offer rewards points, but not all of them are equal. With the Barclaycard Arrival World Mastercard you can easily earn rewards points that can help you take a nice vacation and not “feel” it as much in your wallet.
Tushar @ Finance TUBE writes What’s Really Stopping Banks from Lending to UK Small Businesses? – The Treasury’s Funding for Lending Scheme, initiated in 2012, was supposed to give banks motivation, in the form of low-interest Bank of England loans, to pass credit on to small businesses.
LaTisha @ Young Finances writes Do You Really Need a Credit Card? – Are you sure that a credit card is necessary for you to get through life? Here are some alternatives to credit cards that would be useful for a college student.
Jeremy @ My Financial Road writes How Much Does A Dog Cost – The true cost of dog ownership.
Ross @ Wallet Hub writes How credit scores work? – What your credit score is, and how credit scoring works.
INVESTING AND SAVING
Jon @ Novel Investor writes Digging Into The Stock Buybacks Vs Dividends Debate – Every investor has an opinion about stock buybacks vs dividends. At the heart of this debate is earnings or the best use of earnings for the shareholder.
Thomas @ Finance Inspired writes How to invest in private companies – Heres a quick fire lesson in Angel Investing, what it is, how to go about it and more importantly how to profit from it.
Philip @ PT Money writes Solo 401k vs SEP IRA: Which Should You Choose for Your Business? – If you are self-employed or you own your own business and wonder what retirement investment option is best for you, read PT’s comparison of the Solo 401k and the SEP IRA.
Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes What Asset Allocation Level Should You Use for Treasury Inflation-Protected Securities (TIPS)? – This post analyzes and answers the question: “what level, if any, of your portfolio should be allocated to Treasury Inflation-Protected Securities (more commonly referred to as TIPS)?”
SB @ One Cent at a Time writes Investment Options for Recent College Graduates With a Job – Let’s talk about something important for your future life, investment, for your retirement. If you are not a recent college graduate, that is OK, you must be knowing someone who just joined the work force after graduating. Pass on this information please.
JP @ My Family Finances writes Switching Energy Providers: Top Tips for an Accurate Quote – Whether you’re moving premises or would like to switch energy providers for a more affordable monthly bill, an accurate quote is imperative.
IMB @ Investing Money writes A Time for Caution – The average American has only recovered 45% of the monies lost in the Great Recession. Read here for how this and other economic problems affect you.
Crystal @ Budgeting in the Fun Stuff writes Free Online Time-Killers – If you’re like me, then from time to time you have found yourself bored and looking for a distraction. Here are some free online time killers.
ETZ25 @ Entertainment Timez writes Why I Think AIG Still Makes Sense – This article is about the reasons that I think that AIG still makes sense as an investment. I especially believe that it has a lot more upside to swing up to!
Mike @ Personal Finance Journey writes 5 Signs you dont control your money it controls you – 5 Easy ways to identify whether you control your money or you let it control you. Challenging your perceptions of getting your money to achieve your goals.
BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes HOW I LEARNED ABOUT THE STOCK MARKET – Learn how saving, stock market investing, index funds, & staying the course builds wealth.
Hank @ Money Q&A writes Five Tips For New Home Buyers – With rent prices going higher and higher all renters are going to reach a point where enough is enough.
Debt Guru @ Debt Free Blog writes Finance Tips from the Experts: Some Extra Financial Advice – Investing is a frightening task. A mistake can lead to long term finance problems. Here are tips and tricks to inherit from finance experts and economists.
Super Saver @ My Wealth Builder writes Trickling Addtional Funds Into the Stock Market – With the 5% intraday correction in the Dow, I’ve decided to add some funds back into equities.
Pete @ Intelligent Speculator writes Should The Government Force Us To Save Money? – What are your thoughts on such an initiative?
Brent @ PersonalFinance-Tips writes Ethical Ways to Use Social Media in the HR Department – Today employees are frequently hired and fired based on social media research done by an employer. In fact, many employers make demands that employees do not discuss their employer in a negative light on social media from Facebook to Twitter. But recent legislation has said that such restrictions are illegal.
Suba @ Broke Professionals writes How to Deal with a Work Place Bully – In recent years, there has been a lot of media attention on childhood bullying. Well, what about the work place? Read my advice on how to deal with them too
Ryan @ Cash Money Life writes Why Pinching Pennies Won’t Make You Rich – Penny pinching isn’t enough to make you rich. Saving money and spending less helps, but you need to earn more money and invest to grow wealth.
Robert @ Cult Of Money writes The Rituals of Trading vs. Investing – The differentiation between investing and trading is one of great distinction. It is a question that is often asked though, and sometimes even assumed to be the same thing. The fact of the matter is that they are quite different.
Luke @ Learn Bonds writes 12 Bonds With Attractive Yields and Maturities – Points to consider when seeking out high yield individual bonds or corporate bonds.
Melissa @ Minting Nickels writes My Road Map to Become a Better Investor – As an investor, I’m constantly looking for ways to improve myself and improve my investment returns. Last year was somewhat of a disappointment, so this year I’m gonna kick-ass Rambo style to make up for last year’s shortcomings. In the following year, here are 4 things I’m going to do to improve my investment style (and how you can mirror my improvements).
Matt Becker @ Mom and Dad Money writes Why Whole Life Insurance is a Bad Investment – http://momanddadmoney.com/2013/06/why-whole-life-insurance-is-a-bad-investment.html
Adam @ Money Rebound writes Building an Emergency Fund in 3 Easy Steps – Many personal finance experts tout emergency funds as the first step towards reaching true financial independence. Find out how to start building yours today.
RISK MANAGEMENT AND INSURANCE
Jason Hull @ Hull Financial Planning writes Bronze May be the Most Precious Metal Under Obamacare – Now that California has released its preliminary premiums for the health care plans under the Patient Protection and Affordable Care Act (PPACA), we evaluate which of the four tiers will be most economical for people who have to purchase health insurance under the state exchanges in Obamacare.
Jon Haver @ Pay My Student Loans writes When Do College Graduates Need Life Insurance – When it comes to life insurance, there are two different types of policies available. A term life policy is one that is put into place for a specific amount of time. Although the premiums are typically lower than those of a whole life policy, there is no cash-out advantage; it is only payable upon the death of the policy holder.
REAL ESTATE AND PROPERTY
John @ Cough up the Dough writes Houses prices started on the rise again – With a few glimmers of recover on the horizon, no wonder optimism is growing in the housing market.
Crystal @ Married (with Debt) writes The Changing Face of the Family Breadwinner – More American women than ever before are the breadwinner for their families. I just became one of them. So how’s my husband handling it?
RETIREMENT AND TAXATION
Bill Fay @ The Frugal Toad writes Why You Should Start Saving for Retirement Now – Today is the day we’re going to clean out the garage, weed the garden, paint the kid’s bedroom — and start saving for retirement. Those all are chores that we know should have been done yesterday, but we think can wait until tomorrow. The garage, bedroom and garden can wait. Retirement savings can’t.
MMD @ IRA vs 401k Central writes How Inheriting a Roth IRA Can Be a Great Tax-Advantaged Gift – One little known benefits of inheriting a Roth IRA is that you can designate it to someone after you die with little to no tax consequences