Welcome to another edition of the Carnival of Retirement. This carnival helps collect a lot of great resources around the topic of retirement. This includes preparing for retirement, financially and socially, as well as what life’s like in retirement. Thanks to all of you who submitted. Just a friendly reminder to those who don’t know, carnivals only allow one submission per week. I’ve reluctantly eliminated anyone trying to cheat the system.
Darwin @ Darwin’s Money writes This is the Only Stock I’ve Bought in Months – 3D Printing About to Change the World – If you haven’t heard about 3D Printing yet, you will soon. It’s about to change the world and here’s the only pure play stock up 300% over the past year which has 3D printing at its core.
FMF @ Free Money Finance writes Should Americans Be Forced to Save for Retirement? – As we all know, Americans are dreadful at saving for retirement. I have run post after post throughout the years showing the stats of how ill-prepared most are for the day they won’t/can’t work. So what should we do about this problem?
Michael Kitces @ Nerd’s Eye View writes Financial Planning Implications of HR8 – the Taxpayer Relief Act of 2012 – The last-minute legislation this week not only averted the so-called “fiscal cliff” – it also brings about a number of significant changes to the tax code itself, and its permanence (unlike so many temporary rules and sunsets of the past decade) may herald in a new era of productive tax planning for retirees!
Roger Wohlner @ The Chicago Financial Planner writes Investing in 2013 – Is it Different This Time? – For regular readers of this blog, my investing suggestions for the current year will look very much like my suggestions for past years.
Lance @ Money Life and More writes Why Is My Paycheck Smaller? Understanding Your 2013 Paycheck – If you’ve received your first paycheck of 2013 you’ve likely realized that your 2013 paycheck is smaller than your 2012 paychecks were. It is a sad realization but there are a few reasons why your paycheck may have gotten smaller in 2013.
Robert @ The College Investor writes Divisive Gambling Bill Could Create Jobs in Canada – There is still a large discourse over whether it should be allowed or not, but it is almost silly because so many loopholes exist that it is basically allowed right now.
Mr.CBB @ Canadian Budget Binder writes A Beginners Guide To Early Retirement – Tip on how to retire early
Evan @ My Journey to Millions writes January 2013 Net Worth Update – From December 2012 to January 2013 my net worth increased Decreased -1.76% My Net worth Increased in 2012 36.74% From January 2011 to January 2013 my net worth has increased 136.25%
Tushar @ Earn More and Save writes How to Apply for a New Job on the Down-Low – How to find better-paying career opportunities and apply for a new job without tipping off your current employer.
CAPI @ Creating a Passive Income writes Bloggers Beware: Passive Income on the Rise – The web has become a proverbial madhouse of information, tutorials, and how-to websites as a growing number of people tap into the masses of people seeking guidance on everything under the sun. Blog topics are as varied as the people in this world and seek to occupy a new space in our hearts.
Kanwal @ Simply Investing writes The Top Ten Posts of 2012 – Happy New Year! Here are my top 10 posts from 2012. Investment versus Speculation Mutual Funds vs Simply Investing $321, 000 Lost to Fees Long Live the Dividend! My Best Investment Yet +275% Top 5 Reasons Why Mutual Funds Fail Paying Dividends Since the 19th Century Saving money for a vacation, car, or house? Don’t put that money in stocks.
MR @ Money Reasons writes Aggressive Financial Plans For The New Year – I’m tried of being normal. This year I’m going to explore more aggressive financial plans and I’m planning on doubling my net worth in five years.
Suba @ Broke Professionals writes My Husband’s Coworkers Think I’m Cheap – I’ve always been proud of my frugal habits – until my love of saving money got me teased at my husband’s office party.
Marvin @ Brick By Brick Investing writes Successful Investor Eliminate Debt – Detailed description of why it is imperative for you to eliminate debt if you want to become a successful investor.
Luke @ Learn Bonds writes Buying Corporate Bonds – Your Free 11 Lesson Guide – Thinking about investing in corporate bonds but not sure where to start? Our free guide to buying corporate bonds was designed for you. Come learn today!
Daisy @ Add Vodka writes 2013: The Plan – I know lots of bloggers don’t believe in resolutions, and I don’t really either. Frankly, most years when I make them they last until maybe March, upon which time I forget all about them…
Daniel @ Sweating the Big Stuff writes Have You Heard of Dependent Verification? – I can’t stand people who game the system at other’s expense…and insurance seems to perpetually fall into this category. This year, my employer announced a new program to combat insurance costs (i.e. fraud)
Roger the Amateur Financier @ The Amateur Financier writes The Best and Worst of 2012 – It’s still only a few days into the new year, which means that it’s still the perfect time to look back on what has happened this past year and see if I can
Tushar @ Start Investing Money writes Tips for Understanding Commodities Spreads – Let’s face it, the term commodities spread betting is enough to make most people’s eyes glaze over. But if you’re thinking about getting involved in commodities trading, it makes sense to find out everything you can about spread betting.
MMD @ My Money Design writes Our Long Term Financial Goals and How We’ll Meet Them in the New Year – Here’s my assessment of our long term financial goals for the New Year and the steps we need to do to take to make sure we get to where we want to be.
Cash Flow Mantra @ Cash Flow Mantra writes Review of 2012 – Since everyone is doing it, I figure why not review 2012. First, I will start with some goals I made for the year and see what I was able to accomplish.
Don @ MoneySmartGuides writes Six Money Moves to Make in 2013 – Recently, The Wall Street Journal posted a story about six money moves you should make in 2013. These aren’t the typical [increase your 401(k) contribution rate], but other financial moves that can have a big impact on your finances.
Maria @ The Money Principle writes Do you have too much debt? At the beginning was…feeling – Here I set out the six signs that one may have too much debt. This can be a check list; answer ‘yes’ to four and you better get checking accounts.
Your Boss @ What Your Boss Really Thinks writes How Some Mormons Run Small Businesses in Utah – Story One My friend wants to quit her job. She barely started it a few weeks ago, and she already cannot stand it. It is not the job per se that drives her to the edge of insanity. It is the people. Or I should rather say, it is the business style of the company.
Hank @ Money Q&A writes Lifetime Milestones When To Buy Insurance – With each new milestone in your life, your life insurance coverage may need to change. So, you must decide when to buy insurance. You need to check your coverage.
Mike @ Personal Finance Journey writes New Year Plan – Its time to be settting Goals – A Simple Practical way to look at your financial goals for the New Year Plan. A guide to setting Goals for 2013 and starting your finance journey right.
Crystal @ Budgeting in the Fun Stuff writes Budgeting in the Roommate Stuff – I was asked Can you do a post on how having roommates affects your budgeting? Yes, yes I can.
Everything Finance @ Everything Finance Blog writes Can You File for Mortgage Bankruptcy? – Since 2008, many people have had to leave their homes because they could not keep up with the monthly payments and were eventually foreclosed on. Thousands of homes sit empty because people bought homes with alternative mortgages such as 0% down or adjustable rate mortgages. If you now find yourself unable to keep up with your mortgage payments, you have a few options.
Lazy Man @ Lazy Man and Money writes Is March Madness a Scam? – As I looked into the March Money Madness (MMM) website a little further I saw that there was a $5 entry fee and the winner would get 50% of the entry fees. This seemed a little like a 50/50 raffle… and perhaps a bit of an illegal lottery.
Jester @ The Ultimate Juggle writes First Dining Out Experience of the New Year – Read abount my family’s first dining out experience of the New Year
TDB @ Tax Deduction Blog writes Social Security Secrets Congress Doesn’t Talk About – Everyone needs to have an idea of how Social Security is taxed, and this article features that information and what you need to know before you take that second job.
Savvy Scot @ The Savvy Scot writes Change Your Life in 10 Steps – The Final Episode – The Conclusion of the ‘Change Your Life Series’ – a 10 post collection that addresses making a BIG CHANGE in ten small steps. From health and fitness to finance and knowledge, the series examines simple ways to make a significant change. The final episode discusses setting goals that are achievable and gives tips on how to keep them.
A Blinkin @ Funancials writes Why I Think We’re Adding The Wrong Jobs – A lot of people played up the fall in the unemployment rate from 7.9 to 7.7 Percent as a sign that the economy is improving. I’m not one of those conspiracy theorists that believes all government numbers are fudged, but I think the media can do with them what they want.
BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes UNIVERSAL LIFE INSURANCE – REALLY? – Those with dependents need life insurance. Don’t combine investing and insurance. Skip the universal life insurance.
Miss T. @ Prairie Eco Thrifter writes Start Managing Your Debt – There are some simple ways to manage your debt and you will find four helpful tips here in this article. I learnt many of them from personal experience when I realized that I had to do something about my credit card debt that was spiraling out of control.
Gary @ Gajizmo writes How Much Should I Save Each Month? – Once the bad habit of overspending is stopped and saving begins, the next question should be, how much do I save each month? The answer depends on your personal financial situation, but here are a few guidelines to fully fund your emergency savings, retirement, and any other special purchases you are saving towards.
Jennifer Lynn @ Broke-Ass Mommy writes Resolutions for 2013. – Check out my new resolutions this year, modest but interesting!
Wealth Effect Blogger @ Your Wealth Effect writes What is your risk free rate of return? – There is usually a big difference between what the press says is a “risk free” rate of return and your “risk free” rate of return.
Young @ Young And Thrifty writes Is a Costco Membership Worth It? – To figure out whether a Costco membership can really pull its weight, I am going to list the pros and cons of shopping at Costco.
Corey @ Steadfast Finances writes ‘Til Debt Do You Part: Should a Hidden Financial Past Stop the Wedding? Part Two – You are so excited about what the future holds for you and your beloved one until you show them your brilliant financial plan and they turn as white as a sheet.
Girl Meets Debt @ Girl Meets Debt writes Oh, Oh, Oh, She is a Princess – I have curbed my princess behavior as I matured over the years but I can definitely see a younger me when I see those princesses act self-indulgent and stupid with money they do not have. Let us see if we can learn a thing or two from these spoiled princesses.
harry campbell @ Your Personal Finance Pro writes Breathe New Life Into Your PC or MAC Computer – For the past 5 years, all of my personal computer use has been on a 2009 Macbook Pro that I got as a graduation gift. I didn’t have to worry too much about the cost at the time since it was a gift and I got a small student discount. But recently, I started to notice a huge performance decline, it was running slower and I couldn’t run multiple programs at once. This slowdown was bound to happen eventually but I knew I wasn’t ready to spend another $1,500 for a new laptop.
Jon the Saver @ Free Money Wisdom writes 15 Ways To Upcycle and Save Money – Here are 15 awesome ways to reuse things around your home and save money in the long term. It’s easier than one would first think!
PPlan @ Provident Plan writes How Your Identity Could Be Stolen – Identity theft happens to many people every year. Many people are unaware that they have even had their identity stolen.
SFB @ Simple Finance Blog writes What I Did Right This Year: Fully Funding My Roth IRA – My biggest financial goal of 2012 was to fully fund my Roth IRA. Here’s how I reached my Roth contribution limits to maximize my retirement savings.
krantcents @ KrantCents writes My 2013 New Year’s Resolutions – My 2013 New Year’s Resolutions are a commitment to a variety of projects. I decided this year to embody the real meaning of resolutions. I recently shared that resolutions are a commitment, an individual makes to a project or reforming a habit.
Ashley @ Money Talks Coaching writes Goals for 2013 – My dad used to scuba dive. I remember this one time when I was about 8 years old we went to Catalina with one of my dad’s friends so that they could go
Amanda L Grossman @ Frugal Confessions writes 4 Positive Financial Moves We Made to Our Bottom Line in 2012 – At the end of the year it always feels like time has slipped away for me.
Investor Junkie @ Investor Junkie writes Lending Club and Prosper Update (January 2013) – Since my last Lending Club update, I’ve added an additional $1,100 to the account. My NAR has popped up to 10.93%. For the past 2 years, it’s still hovering just below 11%. Since the previous report, I’ve made $344.66 in interest, I now have 3 more defaults, and just over 600 active notes. Nothing crazy to report.
Joe @ Midlife Finance writes Resolve Your Future in 2013 – It’s fun to make predictions for the coming year. The only problem: once they’re in print, you’ll have to face it in January of the next year. Maybe you were right, maybe you weren’t.
Corey @ 20s Finances writes APR vs APY: Understanding the Difference – When searching for a loan or savings product, you are quoted with the annual percentage rate (APR) and the annual percentage yield (APY).
Jason @ Making Sense of Cents writes Dreaming of the Future – As a personal finance blogger and a financial advisor, I’m constantly surrounded by people that either (1) have a lot of money and get to do a lot of fun things with it, (2) talk about doing a lot of fun things with money they’re eventually going to have, or (3) talk about what they’re currently doing to accomplish those lofty hopes and dreams.
Josh Thompson @ Becoming Your Own Bank writes Why I Love Life Insurance – Some of the reasons I love life insurance and why it has been such a fantastic investment…
CF @ The Outlier Model writes Financial Goals – 2013 – Reviewing old goals and setting new ones has been a key to our financial success. Here’s how we did in 2012 and what we hope to accomplish in 2013.
Passive Income Earner @ The Passive Income Earner writes Best Mortgage Calculator – Find the best mortgage calculator out there amongst the banks and the alternate mortgage lenders.
John S @ Frugal Rules writes 4 Helpful Free Investment Tools – Investing in the stock market can be a challenge for the seasoned investor, much less a newbie investor. By using some free investment tools you can make more informed investment decisions that will benefit your portfolio.
Invest It Wisely @ Invest It Wisely writes New Year’s Reading – To start the new year off right, check out three of my favorite articles
Eddie @ Finance Fox writes 4 Avoidable Money Mistakes – When it comes to money there are many avoidable money mistakes to avoid no matter whom you are or at what age
J.P. @ Novel Investor writes Your Official 2013 Federal Income Tax Brackets – The 2013 federal income tax brackets were finalized on the first day of the new year. The tax tables are for the 2013 tax year, with taxes due April 2014.
Ted Jenkin @ Your Smart Money Moves writes Should My Wife Quit Her Job? – I saw this question on Yahoo the other day and thought how many times clients have asked me this question over the years.
Deacon @ Well Kept Wallet writes Get Paid to Lose Weight – Is one of you New Year’s resolutions in 2013 to lose weight? What if I was to tell you that there is a company out there that will pay you to lose weight. Seems to good to be true, right? Who would pay you to lose weight? HealthyWage.com, that’s who. My wife and I signed up last week and are super excited to participate in the challenge.
Aloysa @ My Broken Coin writes Confessions of a Deranged Shopaholic – Hi, I am Aloysa, and I am a shopaholic. But you already know this. The other day, one of my friends asked me if I knew how much money I spent on shopping in 2012. I was clueless. But being curious by nature, I pulled up all my bank account statements and did some research.
Jason @ Work Save Live writes How to Start and Use the Cash Envelope System – If you’re serious about getting your financial life in order, then learning how to use the cash envelope system will save you thousands of dollars over the course of the next few years and it will play an integral role in helping you manage money better.
Tushar @ Finance TUBE writes The Debt Movement is Here: Will You Join? – Today we will talking about the Debt Movement is Here: Will You Join? Debt is a tool which allows you to have something new which can’t truly afford. Most people take debt to buy a home, car or to go to college but this entire instance of debt may be considered as the necessities.
Pauline @ Reach Financial Independence writes 13 money resolutions for 2013: #5 review your expenses! – This post is part of a 13 money resolutions series to kick start your finances in the new year and reviews all your expenses to keep only the necessary ones, lower or ditch the rest.
Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes 401(k) Hardship Withdrawals And How To Obtain One – There are not many good reasons to tap into your nest egg, but when a good reason arises, it is important to know how you can obtain the money that you need. When you have no other viable options to get the money that you need, you may want to consider a 401(k) hardship withdrawal. This post introduces the 401(k) hardship withdrawal and how it may or may not be appropriate for your own financial situation.
Suba @ Wealth Informatics writes Save $1000 in 30 days challenge – Who couldn’t use an extra $1000? Start the new year with an extra $1000. Here are 30 tips to save $1000 in 30 days, just a month. Spend less an 1 hr a day and save thousands of dollars