Welcome to 89th Edition of the Carnival of Retirement. You will find some of the best retirement related information from top bloggers so enjoy and share with your friends. If you would like to submit an article to a future carnival, you can do so here. If your post was included in this weeks carnival remember to link back to us in the next several weeks.
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
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?
Hank @ Money Q&A writes 7 Steps For Financial Success To Build A Solid Future – Achieving financial success is a great part of the American dream, but it’s not easy to do if you aren’t focused on the goal. Real financial security doesn’t come about by accident. These careful steps for financial success will help you build a solid financial future.
Robert @ Beat The 9 to 5 writes My Monthly Income Stream Report – September 2013 – September was an incredibly busy month – but it was fun! While putting together this month’s income report, I was shocked at how much I had accomplished. And remember, this is with a 6 week old baby in the house!
Michelle @ Making Sense of Cents writes $12,334 in September Extra Income – Time for Self-Employment – Hey everyone! This Friday I will be publishing my September Goals Update. In last month’s update, I stated that my goal for September was for $10K in side hustle income. In August’s income report, I just slightly missed my goal of $10K, and made $9,554 in side income. I made it this month though!
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 @ Finance TUBE writes 4 Financial Steps To Take As You Prepare For Baby – So, you have decided that you want to have a baby. There is nothing more exiting in seeing your new baby born first time however before you get ahead of yourself taking care of some of the financial matters before you conceive can make the entire pregnancy and the months after go more smoothing.
Brent @ PersonalFinance-Tips writes Smart Spending: Four Ways to Stay out of Debt – Americans are in more debt than ever these days. While some of it is unavoidable due to the recent recession, some of it could have been avoided with smart spending.
ETZ25 @ Entertainment Timez writes Starting Up A Roth IRA For Kids – My son now has earned income and we are starting up a Roth IRA for him to participate in. Read why are are starting a Roth IRA for Kids!
Jacob @ AllPersonalFinance writes How to Solve a Cash Flow Crisis and Prevent Your Business from Flat Lining – Cash is the life blood of any business and once the cash flow dries up, not even CPR will be able to bring it back to life. It has been estimated that around 90 percent of small business fail because of cash flow problems and even profitable companies can end up filing for bankruptcy… Read more on my take on how to solve this common snafu.
Corey @ 20s Finances writes Why You Should NOT Calculate Retirement Income off based on Income – When calculating how much you need in retirement, you should not use your current income. Find out what you should use to be prepared.
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
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.
Cat Alford @ Budget Blonde writes The Government Shutdown and The Extreme Importance of Emergency Funds – If you’ve been reading my blog for a few years, you might know that I was a United States park ranger before I moved to Grenada. I was an interpretive ranger, which meant that I worked at numerous sites around Richmond, Virginia creating history programs and giving battlefield tours. It was really awesome.
Corey @ Steadfast Finances writes Money Doesn’t Grow On Trees: What to Do When You Need More Cash – It’s a horrible feeling when you’re short on cash but still have the household bills to pay. You’re probably starting to worry about how you are going to afford them, as skipping payments could cause irreparable damage to your credit rating. Unfortunately, money doesn’t grow on trees – but there are a few things you can do to get more cash and make it through your monthly bill cycle.
Cindy @ MidLife Finance writes Bathroom Renovations: The Good, the Bad and the Quality – Bathroom Renovations: The Good, the Bad and the Quality. Focus on quality for the best return on investment.
SFB @ Simple Finance Blog writes How to Get Ready (Financially) For a Baby – Now that you got the good news and are eagerly awaiting the arrival of your bundle of joy, you will soon realize that the nine month long period is never enough to be fully ready for a baby.
Don @ MoneySmartGuides writes Saving Money and Saving the Environment – Regardless of whether you feel that the global warming phenomenon is real or made up, you cannot argue that we throw away and waste a lot of stuff.
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.
Roger the Amateur Financier @ The Amateur Financier writes 6 Investment Strategies to Generate Retirement Income – A guide to methods to generate retirement income with the money that you save during your life, covering things like regular withdrawals, interest, and annuities.
Rich @ Growing Money Smart writes What is a Stock? – What is a stock, is one of the first financial lessons I taught my kids!
Daisy @ Suburban Finance writes Buying Your First Home – Home buying advice for buyers to follow for a successful purchase of a home.
Bargain Babe @ BargainBabe.com writes Is Living at Home After College Better Than Paying Rent? – Is Living at Home After College Better Than Paying Rent? offers tips on saving money every day.
Kyle @ The Penny Hoarder writes Advice for Small Business – Sort out your Business Energy – Most small and medium businesses are failing to manage their business energy costs. Business energy includes gas and electricity. The business energy market is not the same as the consumer market – prices are higher for businesses and contracts longer.
Mike @ Personal Finance Journey writes The Financial Benefits of Sharing a House – How sharing a house or apartment can benefit you financially and save money for bills rates and repayments.
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.
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.
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.
IMB @ Investing Money writes Investing for Q4 2013 – Unsure what your next move is in investing? It’s always safe to look at history. Read here for information.
Debt Guru @ Debt Free Blog writes Mortgage Hunters: How to Find an Affordable Mortgage – Are you looking for ways to secure an affordable mortgage? It may seem daunting, but it is actually quite attainable, so long as you know where to start.
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.
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.
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.
Crystal @ Married (with Debt) writes 7 Money “Things” I’m Thankful For – Lately I’ve been bummed/stressed/anxious about money. That’s because we just finished up our first month living on only one income. My wife is/was a teacher, which means she can be paid over twelve months for work done over nine.
CAPI @ Creating a Passive Income writes The Importance of Knowing Your Net Worth – Most people may not necessarily know what their net worth is. Your net worth is the difference between the value of what you own and what you owe.
Ted Jenkin @ Your Smart Money Moves writes Should I Pay Off The Mortgage? – One of the more difficult questions that I get from both younger and older people alike is whether or not it is a good idea to pay off their mortgage.
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.
Ryan @ Cash Money Life writes What Happens if the Government Shuts Down? – What happens if the government shuts down due to the current debt ceiling crisis? The government must pass a budget and spending bill by September 30th.
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.
Mr.CBB @ canadianbudgetbinder writes Thanksgiving: Being Thankful On A Budget – Thanksgiving doesn’t have to break the budget if you plan in advance. There are ways to save money in your budget so you can have a lovely meal and celebrate with your family and friends on a day we should all give thanks for what we appreciate in life
Sam @ Grad Money Matters writes How to Save Money With Your Business Costs – If you are an Etsy owner, do you have any blog friends who you can advertise on for cheap? I’m sure some friends would love a free item in return for a free review. If you are looking for other ways to get your name out there, you can also guest post on other websites. Some websites may charge for this, but if you are already a known blogger in the blogging world, you can use this to your advantage.
Michelle @ Diversified Finances writes Should you get rid of all debt for financial independence? – Financial independence has definitely been on my mind a lot lately. I even started a blog (this one) dedicated to it! Financial independence doesn’t have the same definition to everyone.
Alexis @ FITnancials writes Giving up your TV To Save Money and Time – How many televisions do you have in your house? I’m probably going to guess more than one. And if you’re like me, then I’m going to guess that you probably watch a little too much TV. There are a lot of alarming TV statistics out there. In the house that I have with my sister, we have 4 tvs that are constantly being used, plus a couple more that are just sitting in the storage area in the basement not being used at all.
Matt @ Budget Snob writes Guard Your Retirement Income with these Comprehensive Tips – One sad fact that all people nearing or already in retirement have to deal with today is that income during retirement is lower than it has ever been in the last 60 years.
Barbara Friedberg @ Barbara Friedberg Personal Finance writes How To Build An Investment Portfolio Using Asset Classes – This multi-part series will walk you through, step by step, how to maximize your investment returns using asset classes investing.
Justin @ Root of Good @ Root of Good writes A Simple Way to Retire 15 Years Earlier – Justin at Root of Good illustrates the huge impact of lower spending and higher savings. By increasing savings from 10% of income to 30% of income, aspiring early retirees can knock 15 years off their retirement date.
Jim @ criticalfinancial.com writes Real Estate Investors: The Case For Equity Stripping – My objective with regard to my rental properties is to never have more than 10% equity in them,
Robert @ The College Investor writes Treasury Bills: A Smart Bet For Conservative Investors – Unsurprisingly, some of us decide that investing is just too risky for the average person to get involved in. But this is a myth: in fact, some investment vehicles that involve little to no risk whatsoever. Today, we will discuss one of the best: treasury bills.
Christopher @ This That and The MBA writes Roth IRA March Madness Style – In case you were one of the ones polled, here is what a Roth IRA is: The Roth IRA is a retirement investment vehicle where the premiums that are invested are after tax. This means that when you are ready to take the distributions that they are not taxed.
Dollar @ Easy Extra Dollar writes How To Manage Your Money – If you receive a monthly income, try to make a monthly budget and distribute the money to cover all your expenses.It takes time to adjust to a new spending pattern and it may be difficult to stick to the budget but with time you will be able to adopt and ensure you cover all your spending and other commitments with your regular income.
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.
Brett Chatz @ Modest Money writes Investment Options for Beginners – For most people, life revolves around living from one paycheck to the next. Only a handful of folks have mastered the art of saving and investing effectively. As you delve deeper into the markets, so you will learn to ascertain which investments are more likely to yield profits than others.
Pauline @ Make Money Your Way writes Making money because people know you – Anne from Unique Gifter who will talk about making money thanks to her friends and neighbors.
Pauline @ Reach Financial Independence writes The case for earning more – On the earn more, spend less equation, I strongly stand on the earn more side, because spending less is finite.
TTMK @ Tie the Money Knot writes When Riding Off Into the Retirement Sunset, Don’t Go Off the Cliff! – One must plan realistically for retirement. Here are 3 factors to consider.
Miss T. @ Prairie Eco Thrifter writes 5 Foods To Help Lower Your Blood Pressure – Now my quest is to somehow get my blood pressure back down. I’m no doctor or nurse, but common sense and things I’ve read and researched indicate that eating right, exercising, managing stress, avoiding tobacco, limiting alcohol and losing weight may help.
Lazy Man @ Lazy Man and Money writes Five Apps to Help Guide Your Retirement Savings – With all the affordable programs and mobile applications on the market, there’s a nearly endless number of ways you can start crunching your financial numbers today. Here’s a list of the five most helpful apps to guide your retirement savings.
Mr. Big Day Coming @ Big Day Coming writes Dieting and Financial Planning Are The Same Thing – The parallels between losing weight and getting your finances in order are immense and they both focus on tracking the numbers and exercising your willpower.
Roger Wohlner @ The Chicago Financial Planner writes Mutual Funds and The Rolling Stones: Time is on Their Side – One of the Rolling Stones’ greatest hits is called Time is on My Side. Given the potential impact that the passage of time will have on the trailing five year returns of many mutual funds by the end of 2013, the fund companies should be singing this song as well.