Yakezie Carnival April 7, 2013 Edition

Family Money Values is hosting the Yakezie blog carnival this week.  See below for lots of good financial reads.

The Yakezie Carnival is brought to you to by the network of personal finance bloggers of the Yakezie. You can submit articles at Blogger Carnivals.

Growth Investor @ Dividend Growth Investor writes Help! I have a serious spending addiction – I have a serious spending addiction – any time I find myself with some extra cash on hand, I end up spending it. This is particularly troublesome, as I tend to salivate when I see an item that I really want.

Emily @ Evolving Personal Finance writes Disagreement Over Grad Student Health Insurance Taxes – My husband and I can’t decide on what our gross income is! Help us determine whether the money our employer (?) pays for our health insurance is taxable.

JC @ Passive Income Pursuit writes Stock Valuation Method – Graham Number – This is the first part in my series on different stock valuation methods. This week I look closer into the Graham Number, where it comes from, where you can gather the information for it, and how it’s calculated.

Mike @ Personal Finance Journey writes Easy Money Saving Energy tips – Easy and simple ways to save energy and money in your household that will actually work.

TRL @ The Retired Landlord writes Which Apple computer is right for me? – But whether you’re a returning customer or perhaps are buying an Apple product for the first time, a new computer is a serious purchase. With this in mind here is a look at the top Apple computers on the market, and a guide to which one is right for you.

Kevin @ Passiveincometoretire writes The Biggest Myths of Term Life Insurance – When looking for life insurance policies, you will find many people willing to share what they know. The problem with this is many people don’t get their information from a financial planner. Many of the things you will be told are myths about term life insurance.

Lauren @ L Bee and the Money Tree writes When Your Blog Strategy Fails – The blog strategy isn’t a failure because of the decline in traffic, stats mean nothing compared to how you feel about your work and what you are doing. I say in interviews that I started “Moneytree” because I wanted to blog and add value by what I had to say.

Ray @ Squirrelers writes A Business Lesson From a Ceiling Tile? Yes! – Sometimes, we can learn from the most unusual situations. We can even get a lesson in business and taking advantage of opportunities from a humble ceiling tile, as shared in this post!

TTMK @ Tie the Money Knot writes Have You Ever Showroomed? – Many of us love to save money, and one opportunity can be through buying online vs. buying in-person at a store. Showrooming is one way for frugal shoppers to save.

Steven @ MyDividendStocks writes Dividend Dogs of the Dow – Investment Strategy – There is a great system for picking Dividend Stocks that has historically done very well. It is called the Dogs of the Dow. What is this? It is an investment approach where at the beginning of each year you pick the top 10 Dow Stocks with the highest dividend yield.

Brent @ PersonalFinance-Tips writes Is Investing like Gambling? – There is a lot that is common between investing and gambling. For one, both are unpredictable, especially when taken one turn at a time. When you are gambling through poker or some other card game, you never know what kind of card you will be dealt in your next turn.

Michelle @ The Shop My Closet Project writes Why the Lululemon Recall is Ridiculous or wear some freakin underwear b$tches! – I believe that the company reacted a bit hysterically! They could have have looked at this as an opportunity for their brand. How a company reacts to adversity says a lot about how it’s run, and the strength of the brand. The following are ideas of how I would deal with this situation if I were president of this company.

Daniel @ Sweating the Big Stuff writes The IRS Took Money Out Of My Refund! – I finally received my IRS refund. But it was for $210 less than I expected. Why would that happen?

IMB @ Investing Money writes Basics of Precious Metals Investing – Precious metals can still be invested in these days – and it can really pay off! Here’s the how-to guide on precious metals so you can be in the know.

Jon the Saver @ Free Money Wisdom writes Why Adults Should Have a Piggy Bank – Having a piggy bank is not just for the kids these days. In fact, it’s critical that you have one even as an adult. Trust me on this.

Corey @ 20s Finances writes What Type of Return Should You Expect from Stock Market? – What’s the stock market going to give you if you invest today? No one knows exactly, but there are a few ways to get a reasonable answer.

Don @ MoneySmartGuides writes When Was The Last Time You Got A Raise? – The following post is by MSG staff writer, Shondell of Call Me What You Want, Even Cheap. She blogs about her recent car loan and mortgage pay off of over $95k and a whole bunch more.

Brad @ Structured Settlement Quotes writes An Annuity Buyer Can Convert a Structured Settlement into Cash – For most beneficiaries of structured settlements, there are options available to convert the annuity payments into a lump sum of cash.

SFB @ Simple Finance Blog writes The Ubiquitous 401k: How Much Do You Really Know? – A primer on 401k for retirement : What are 401k accounts? Are they safe? What are Roth 401k accounts?

Invest It Wisely @ Invest It Wisely writes Why Freelancing on the Side Will Set You Free – Why will freelancing on the side set you free? By testing out business ideas in your spare time you’ll be able to figure out if you have a chance of branching out on your own.

harry campbell @ Your PF Pro writes How to Cash in Your Change For Free with a CoinStar Machine – I’m sure you’ve seen CoinStar machines at your local grocery store and some of you may already use their services, but the hefty fee has always kept me away. I don’t typically pay for many of my purchases with cash, but for some reason I still seem to accumulate quite a bit of change.

CAPI @ Creating a Passive Income writes Increasing Your Passive Income with Real Estate – Regardless of what people may think, real estate can be passive. The trick is to find a property manager or someone who loves the day-to-day parts of real estate management so that you can focus on the important aspects: finding a property, building up equity, and so on. While a property manager will help you free up your time, it is not going to come cheap.

A Blinkin @ Funancials writes Is Paying An Annual Fee On A Credit Card Worth It? – There are a lot of credit cards with dismal rewards that do not warrant paying an annual fee. At the same time, I have seen numerous credit cards with rewards that more-than justify the annual fee.

Jacob @ AllPersonalFinance writes Essential Ways to Reduce Potential Vacancies – Vacant rental properties are the number one thing that property investors fight to avoid. Nobody purchases a rental property just to get stuck paying the mortgage and utilities in full, plus there’s the risk of vandalism and other issues with having a house sitting unoccupied.

Amanda L Grossman @ Frugal Confessions writes Financial Accounts with Free Benefits to Help You Save for Your Child’s Future – Many parents want to build some sort of financial cushion for when their child moves out of the nest and is confronted with the big bills (like textbooks,

Tony @ We Only Do This Once writes How to Escape Materialism – It has only been a year since I came to the bitter realization that we are being pushed towards materialism for monetary gain by corporations, not for our own happiness. I mean, I have always known this in my gut, of course. But I was in denial that I was party to the racket for a long time.

krantcents @ KrantCents writes How to Raise Successful Children – Raising successful children is not easy! I am not a child psychologist, child psychiatrist or an expert in early childhood development nor do I play one on TV. I am an educator, but I started that career after my children graduated college.

Ted Jenkin @ Your Smart Money Moves writes Will 3 Million Dollars In Retirement Make You Miserable? – Discover the truths about how people think about retirement and if that magical retirement number is right for your personal finances!

Corey @ Steadfast Finances writes Making Plans for Retirement – If you are planning to retire within the next few years, it is important that you make plans for your retirement. Having a set plan ahead of time will help you out in the long run, especially because if you do not have many saved and things prepared, you may end up struggling to keep up with the cost of living upon retiring from the workforce.

Wayne @ Young Family Finance writes Did You Buy a Home Too Early? – My wife and I are getting really excited about moving in the next year. As a result of starting to plan for our move, we’ve started to think about buying a condo instead of renting. When we compare mortgage payments for condos that we would want to buy and the cost to rent a place, both options are about the same price.

MR @ Money Reasons writes Are Hybrid Cell Phones The Future? – Hybrid Cell Phones seem like the best of both worlds and a frugal bargain to consider and try out!

Jester @ The Ultimate Juggle writes Single Income Family Necessities – A co-worker of mine often relates the challenges of parenthood while both he and his wife work. As we all know, there are lots of financial benefits of having two incomes. But, that is not to say that everything is easy.

LaTisha @ Young Finances writes Why is Sleep Important for Successful People? – Sleep plays a vital role in good health and well-being. Everyone needs a different amount of sleep so test your body to see how much rest is right for you.

Wayne @ VisualFin writes How Should You Spend Your Tax Return [Infographic] – People get very excited about receiving a refund and while it may be tempting to blow this unexpected lump sum, you need to know how it should be spent by taking a look at today’s financial infographic on how you should spend your tax refund.

MMD @ My Money Design writes Learn How to Manage Money Better – Like a Large Company CFO – What can we learn from Apple and other big companies? How about how to manage money better and become our own successful household CFO.

MMD @ IRA vs 401k Central writes Comparing a Pension vs 401k – What Are the Differences? – When you compare a pension vs 401k, there are lots of benefits and pitfalls to consider from each side. This post will explore all the major differences.

CT @ Cashtastrophe writes Eat Healthy – It WILL Help You Financially! – How to Avoid a Cashtastrophe – Save more, spend less, and live a good life

Greg @ Club Thrifty writes The U.S. Healthcare System and Your Finances – The U.S. Healthcare system affects the personal finance decisions of Americans each day. Here is part of our story and why we believe the system is broken.

Edgar @ Degrees and Debt writes Student Loan Series: Loan Forgiveness – Various methods to achieve student loan forgiveness

ETZ25 @ Entertainment Timez writes The Rise of AIG – The Comeback – Read about Hero CEO Robert Benmosche who turned AIG around and how he is enabled AIG to become an incredible comeback stock!

Hank @ Money Q&A writes How To Save On The Cost Of Disability Insurance – There are ways to reduce the cost of disability insurance for you and your family. Your family’s emergency fund has never been more important for saving on premiums.

Roger the Amateur Financier @ The Amateur Financier writes Book Review – The Complete Idiot’s Guide to Starting a Home-Based Business – If you are a regular reader, you’re probably aware that some of my favorite books are the ones that try to provide instruction to those people who have little,

Debt Guru @ Debt Free Blog writes Is Mortgage Debt Good Debt? – There seem to be two major groups of people in this world: people who believe in good debt and bad debt and those who hate debt altogether. Then there is me. While I am a huge fan of understanding the long-term benefits of going into debt, I also know that I hate debt with a passion.

Kevin @ 20smoney.com writes How Technology Has Revolutionized These 6 Career Fields – Technology brings about new inventions, gadgets and toys every single day, and these new ideas are changing the way we do our jobs every single day.

Bryan @ Gajizmo.com writes How Much Do You Spend On An Engagement Ring? – A proposal and engagement should be one of the happiest times of your life, but you should not have to pay for it the rest of your life. With the Spring and Summer seasons fast-approaching, many couples will be planning to get engaged soon, giving them that one year time span to put together the perfect wedding. This article will help couples decide on how much to spend on an engagement ring and how to go about picking the best one.

Crystal @ Budgeting in the Fun Stuff writes Mortgage Payoff Race Update – Changing Priorities? – Last September, Jason and I decided to make a bet – who can pay off a mortgage first. We are almost there but may use the money for different investments.

Tushar @ Start Investing Money writes Invest in Samsung: Why choose Samsung smartphones? – Users looking for a flexible and forward-looking mobile experience could do worse than opt for a Samsung Galaxy.

Michael @ So You Think You Can Save writes 8 Ways To Stretch Your Eating Out Budget – Dining out can be expensive, but follow these tips to stretch your dollar.

Mr. Frenzy @ Frenzied Finances writes Have a Cheap Weekend: 5 Cheaper Ways to Spend Your Time – Looking for fun, yet inexpensive ways to spend your time on the weekend? Read on to find 5 cheaper activities for your free time.

Kyle @ The Penny Hoarder writes How Competition Can Earn You Money – The next time your cable bill arrives, take a careful took at your itemized billing statement. Then do the same for your cell phone bill. Chances are, there is a way to reduce the total sum of those bills and even score some extra cash: By making your carrier compete with other companies.

Evan @ My Journey to Millions writes April 2013 Net Worth Update – From March 2013 to April 2013 my net worth increased 5.07% Year to Date my net worth is still down 10.51%.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes HOW TO RAISE FINANCIALLY RESPONSIBLE KIDS – Real wealth is about more than money. Teach kids about money, life, values, & wealth.

Joe @ Midlife Finance writes Should your teenagers get a job? – Should your teenagers get a job? In addition to the hardware store, I also did babysitting, worked at the school cafeteria (to pay for meals), and helped our farmer parents bale hay and pick corn. It’s a family tradition.

Suba @ Broke Professionals writes To Be A Professional, You Need A Professional Wardrobe – My five tips will help you establish – and maintain – a professional wardrobe without busting your budget.

Kanwal @ Simply Investing writes Should You Keep Investing When Interest Rates Rise? – A reader recently asked:   “The US cannot keep its interest rates close to 0 forever while the debt burden is increasing at a rapid rate.

Jason @ Live Real Now writes Funerals Cost Too Much – Unexpected funeral expenses are a “wipe me out” expense. In a flash–a heart attack, a car accident–your life savings can get sucked into death expenses, leaving your family with nothing.

Little House @ Little House in the Valley writes Use Cubbies to Solve Small Space Issues – The term cubbie can be generously applied to utilizing small spaces in a home for better efficiency. Case in point: Architect Ted Seggerman modified a New York anthropologist’s 240-square foot apartment on the Upper West Side and crafted, or squeezed, more space using nooks, cubbies, and creative ideas to make the place functional.

Maria @ The Money Principle writes Can you have too much money? – One can have too much money only when one spends it on own whims; when used to benefit others money is a powerful instrument for doing good.

Everything Finance @ Everything Finance Blog writes 5 New Websites That Save You Big Bucks – Check out these five new websites designed to help you save big bucks without much effort.

John S @ Frugal Rules writes Mobile Wallet – Is it Worth the Risk? – As technology continues to expand more and more business are looking to mobile wallet as a desirable option. There can be some potential risks associated with it, but would that keep you from using your smartphone as a payment method?

Luke @ Learn Bonds writes How to Do an Annual Retirement Investments and Budget Review – It is tax time in the U.S., and tax time is a good time to do your annual retirement investments and budget review. Here’s how to do it.

Crystal @ Married (with Debt) writes Cars: Necessary Evil or Asset? – I’ve written before about selling my car when I pondered the idea that a paid-for vehicle could be sold for quick cash in an emergency situation. While this would not be as ideal as having the same amount in cash, that isn’t always a reality for everyone.

Sam @ Simplefinancialfreedom writes Don’t Make These Tax Mistakes – Its that time of year again! Whenever the topic of taxes comes up it makes people cringe.

Matthew Allen @ The Pay Off Credit Card Network writes Three Different Types of Credit Card Losers – I’ve got an interesting post today about three different people who used the word “loser,” to describe three different situations with credit cards. Each of these stories come from unique bloggers with three different types of blogs: a frugal blog, a mommy blog, and a thrifty blog. It is quite interesting to see the different perspectives overall, especially for how each blogger thinks of a “loser,” as the word pertains to credit card use.

Jon Haver @ Pay My Student Loans writes SimpleTuition Review – College tuition and related costs are getting more and more expensive as the years go by, making it more difficult for high school students to afford or even consider college. Due to the credit crisis, lenders have also increased their standards as to who can receive a loan. This leaves more and more undergraduates desperate to accept loans that don’t fit their needs, especially when they don’t understand how loans work or how to stop around for them.

Deacon @ Well Kept Wallet writes Debt Free in 18 Months – New Class – Getting out of debt in a short period of time can seem impossible. When Kim and I had $52,000 in consumer debt, it seemed like we would never get out of it. However, we were able to pay it off in 18 Months and now I have designed a class to help others do the same.

Miss T. @ Prairie Eco Thrifter writes How to Be More Open-Minded – Staying open minded is difficult if you are not naturally open minded, but not impossible. There are a few ways to help yourself along.

Sean @ One Smart Dollar writes Money Advice for Soon-To-Be College Grads – Most financial problems start right after you graduate from college. You get your first big paycheck and don;t know what to do with it. My advice, don’t spend it all in one place.

Jon @ Novel Investor writes Best Retirement Plans For The Self-Employed – If you’re self-employed or a small business owner you have several retirement plan options beyond just the basic IRA.

Hugh @ Debt Roundup writes Can Credit Cards Actually Help You With Being Frugal? – Credit cards are deemed as evil and the cause of most people’s debt, but they are actual a very useful tool. They can provide great ways to get rewards and make paying bills much easier. Credit cards are a great way to keep your finances together.

KK @ Student Debt Survivor writes Pre-owned Engagement Rings-Frugal or Tacky? – Ever thought about purchasing your significant other a pre-owned ring? Considered selling your engagement right? Weigh-in, are secondhand rings frugal or tacky?

Jeemy @ Modest Money writes Guide to Starting a Blog – If you think blogging might be a good idea, read on to learn how to get started. Then do plenty of other reading including my blogging tips series. You will be up and blogging in no time.

Blogging Banks @ Blogging Banks writes What is FDIC insurance? – FDIC or the Federal Deposit Insurance Corporation is created by the US Congress to insure the safety of deposits in participating members’ banks up to $250,000 per depositor per bank.

Paul Vachon @ The Frugal Toad writes How to Control Spending in 5 Easy Steps – Controlling spending habits does not need to be difficult, in fact the process is a simple one. The difficult aspect of reigning in spending is deciding what you are willing to give up. By following these 5 steps, you will be well on your way to controlling your spending.

Girl Meets Debt @ Girl Meets Debt writes Girl Meets Debt, No Longer a Shopaholic – I am a smart girl but I did not really see my shopaholic ways as being a serious problem because I think our consumerist society has portrayed shopaholics as flaky, fashion-obsessed women living in a material world like Becky in the popular Confessions of a Shopaholic book series. How popular culture portrays and downplays shopping addictions is whole other post that I will not get into here. Lets just say I strongly disagree.

Glen @ Monster Piggy Bank @ Monster Piggy Bank writes Residential Burglary Prevention – How To Secure Your Home – 10 easy tips to help secure your home and valuables against burglary and theft.

Thomas @ Finance Inspired writes Are you entitled to a tenant loan? – Tenant loans are a relatively unknown quantity and available to people with all sorts of different credit history. Want to know more? Check out this article.

John @ WILD about Finance writes The Effects of National Debt in the UK – With the national debt in the UK well over £1 trillion, we have a quick look at how this is affected the UK.

Jules Wilson @ Faithful With a Few writes How to Find Affordable Life Insurance – Like it or not, insurance is a necessary evil. If you do not have life insurance, you run the risk of leaving your loved ones with a heavy financial burden. Don’t be that person! Finding cheap life insurance is not difficult, but you do need to know how to find it.

Simon @ Camp Travel Adventure writes Can I get a grant to travel? Sure you can! – Many people spend their life saving to travel the world fully unaware that there are grants available from various bodies that will cover the costs for you!

Jules Wilson @ Fat Guy,Skinny Wallet writes Our New Tool: The Child Training Bible – Child training bible verses can be hard to remember at the moment that you need them. Here is a system that we found to help make memorization and referencing easy.

PK @ Don’t Quit Your Day Job… writes An Inflation Calculator – With Data for Any Day Since 1913! – A calculator comparing the relative value of money between two arbitrary dates… it didn’t exist. I had to invent it. Enjoy!

Glen Craig @ Free From Broke writes The Best Prepaid Debit Cards 2013 – Many people are unable to get a checking account. As a result prepaid debit cards become a nice alternative. See some of the best prepaid cards out there.

Mike Collins @ Wealthy Turtle writes Car Buying Tips and Tricks – Discover 6 car buying tips and tricks that will help you outsmart the dealer and get the best price possible on your new car.

Jason Hull @ Hull Financial Planning writes The Index or the Dartboard? The S&P 500’s 2012 Performance by the Numbers – Would you have been better off randomly picking a stock in the S&P 500 or investing in an index fund? This article looks at 2012’s performance.

Mr.CBB @ Canadian Budget Binder writes There And Back Again: A Spenders Financial Journey – Find out about how one woman went from a spending spree in College to working towards paying down debt. Money just clicks one day and she realizes she has to make changes. Still financially vulnerable her story does not end with her being rich and living in a mansion. She definitely shares her wisdom that she learned along the way to where she is today.

R.J. Weiss @ The Insurance Protection Blog writes I’m A First Time Homeowner, How Much Home Insurance Do I Need? – How to choose the amount of insurance you should insure your home for.

Michael @ PT Money writes I Made $180 Simply Waiting in Line at the DMV – Our staff writer Michael found a way to make the pain of long lines at the DMV less painful–by making money.

Michelle @ Making Sense of Cents writes Couponing Like A Pro – Have you ever seen any of those “crazy” couponing TV shows? Do you have a friend that coupons religiously? I have a coworker who does and when you listen to him talk, you walk away surprised by how passionate someone can be about it. Coupons and discounting motivates people, especially when they’re facing financial hardship. But it doesn’t require hardship to get into it. A simple desire for frugality can turn us ordinary folks into minimalists. Don’t worry…it’s not something you h

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Five Purchases that ARE Worth Breaking the Bank For – This post describes several purchases you might want to consider spending a little more money on and not going cheap.

Arnel Ariate @ Money Soldiers writes How to Know Your Business is on Track – If you’ve just started a small business, or are trying to help your business grow, read on for a look at how you can best measure the progress of your company. How will you use KPIs to help your business going forward?

Darwin @ Darwin’s Money writes Extreme Early Retirement – Mainly a Myth Except for Hippies and Drifters – Does “Extreme Early Retirement” sound appealing to you? Of course it does! But when you read between the lines, there’s often more hype than reality behind the bloggers pitching it.

CheapSKate @ ConsumerFu writes How to find Cheap Hotel Deals – Save money on your vacation by cutting the cost of your hotel room by following these easy tips.

Steve @ Grocery Alerts writes Why the Starwood Preferred Credit Card is the best rewards card in Canada – In my opinion the Starwood Preferred Guest American Express Personal Card is the best credit card for Canadian frequent flyers. This is a highly desirable program because of its points-to-miles transfers offering a 5,000-mile bonus when you transfer 20,000 points.

Marie @ Family Executor writes Be Careful Dealing with the Deceased’s Debts – If you are the family’s executor, be aware that you can become personally liable for debts of the deceased.  Sometimes, debts pile up after death!


The Yakezie Carnival is brought to you to by the network of personal finance bloggers of the Yakezie. You can submit articles at Blogger Carnivals.

21 thoughts on “Yakezie Carnival April 7, 2013 Edition

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