Carnival of Retirement

Enjoy this weeks Carnival of Retirement!  If you want to submit an article to a future carnival, do so at Blogger Carnivals.

SBB @ Simple Budget Blog writes Analytical versus Creative Budgeting: Which one do you do? – Are you an analytical or creative budgeter? Both have methods to their budgeting, just different ones. View these examples to view where you fit!

Tushar @ Finance TUBE writes Your Guide to SIPPs and Pension-Oriented Investments – SIPP stands for Self Investor Personal Pension. If you have a significant pension pot or one that consists of several different strands, you may want to consolidate them. A SIPP is essentially a pension ‘wrapper’.

Corey @ Steadfast Finances writes Personal Finance and Lending – When you decide that you want to take out a loan there are many things that you need to consider.

Lindy @ Minting Nickels writes Finding New Ways to Save Money and Pay Off Your Debt Faster – If you’re on a mission to pay off debt, you’ve likely already found obvious ways to slash your budget.

Mike @ Personal Finance Journey writes Grow or Buy – Can I Save Money Buying My Food? – The Pros and Cons of buying your Food and whether you can save money or not compared to growing it on your own.

Ryan @ Cash Money Life writes Why an IRA Makes Sense Even If It Isn’t Tax Deductible – Not all IRAs are tax deductible. But that doesn’t mean you should avoid them. In fact, it’s almost always a good idea to invest in an IRA for retirement.

Luke @ Learn Bonds writes How To Start Investing In Consumer Loans – Building Your Portfolio – What you need to know to get started invesging in P2P loans.

Don @ MoneySmartGuides writes Small Business Banking Options – Do you own a small business? Do you know all of you your small business banking options? Times have changed and you could be paying too much for your banking services.

Daisy @ Suburban Finance writes How to Not Pay Taxes – Tax time is coming up and that means we get to discuss my favorite topic: taxes. Paying taxes can be an exhausting obligation. It’s really sad sometimes to see such a large portion of your income go toward something that can be reduced!

Debt Guru @ Debt Free Blog writes Refinance Your Mortgage: Is It Right For You? – Though refinancing one’s mortgage is a good choice for some, it can be a costly decision for others. A homeowner should weigh out the pros and cons.

JP @ My Family Finances writes Save On Healthcare Costs – What are some of the ways that you can keep these healthcare costs under control?

Moneycone @ Money Cone writes My Project To Switch From Incandescent Light Bulbs To Energy Efficient Ones – 2 Years Later… – Results of my experiment to phase out all incandescent light bulbs in my house to energy efficient equivalents – LEDs and CFLs.

Kyle @ The Penny Hoarder writes 10 Weird Ways to Make Christmas Cash – Christmas is around the corner and if you’re in need of some quick, holiday cash, try one of these 10 weird ways to make extra money…

Hank @ Money Q&A writes Is Your Excessive Tipping Causing Poor Service For Others At Restaurants? – Is your excessive tipping ruining service at restaurants for the rest of us that have to come into contact with poor servers? Are we reinforcing bad service with excessive tipping?

IMB @ Investing Money writes Investing in Robotics – As time passes, robotics become much more relevant. Learn about robotics and investing through this week’s post.

Tushar Mathur @ Everything Finance writes Working To Live Or Living To Work? – The concept of work and its role in a human’s life has always been somehow controversial in whether job is a ‘need to’ or a ‘want to’.

Jacob @ AllPersonalFinance writes Top unusual ways that can help you earn a good sum of money online – There is a plethora of ways to earn money. Some prefer working long and tedious 9 – 5 hours while some prefer working from home or running a business. However, there is also a section of the world’s population that is engaged in earning a good chunk of money from varied online sources.

Jester @ The Ultimate Juggle writes Family values are high on the UAE priority list – It’s good to know as you pine for the expatriate lifestyle and consider joining the thousands of Americans and Europeans currently living and working in the oil-rich United Arab Emirates (UAE) that family values are high on the list of priorities of the country’s citizenry. And that’s the same for both nationals and expats alike.

Dominique Brown @ YourFinancesSimplified writes What is Your Idea of Financial Freedom? – The other week we sent out an email asking our readers what their idea of financial freedom is.

Corey @ 20s Finances writes The TRUE Cost of Moving – I used to think that calculating the cost of moving was simple. The calculation looked something like this: Cost of packing supplies + cost of movers (optional) + uhaul rental = cost of moving Oh boy, was I wrong.

Daisy @ Suburban Finance writes Real or Fake? – Now, now, that’s not what we’re talking about today! Today we’re talking about Christmas trees! My very favorite part of the Christmas season is the tree. I love the smell, lights, decorating and mostly, how it makes a room feel.

Mrs. Accountability @ Out of Debt Again writes Examine Your Utility Bills Every So Often – Do you get your bills and pay them without taking a second glance? What if your bill is higher than normal? Do you just assume it’s your fault and pay it?

Tushar @ Earn More and Save writes The Questions At The Centre Of The Mortgage Journey To Homeownership – Each Canadian family must ask questions that form the basis of the mortgage journey to ensure their investment in a home is a wise decision.

Crystal @ Budgeting in the Fun Stuff writes 4 Ways to Travel for Mind-Bogglingly Cheap Prices – Check out these four ways to travel for mind-bogglingly cheap prices

Ted Jenkin @ Your Smart Money Moves writes What Is A Bitcoin? – In the past several months, more and more people have been asking me about the stock market, the US Dollar, and just in general where the direction of the

Cindy @ MidLife Finance writes Twenty-Six Ways To Save On Christmas – Christmas is less than a month away…and you need to make your money stretch as far as possible. How can you do it?

Tony @ We Only Do This Once writes The Debt to Income Ratio Factor – The Importance of Your Debt to Income Ratio Debt to income ratio is a major factor for banks when evaluating a loan Your debt to income ratio is a pretty big ratio to take heed of.

Wayne @ Young Family Finance writes Cable, Satellite, or Neither: Which Television Solution is Right for Your Budget? – Should you choose cable, satellite, or neither for your next television show provider? We provide the advantages and disadvantages to each.

Bargain Babe @ writes Early Childhood Toys that are Worth the Money – A list of early childhood toys and games that are not only worth the money but are also educational. These toys have stood the test of time.

Tushar @ Start Investing Money writes Can Research Save You Money at Christmas? – We tend to focus a lot on investing money throughout the year, but trying to keep this up as we get closer to Christmas can be difficult. However even though you will likely spend more than usual on gifts for other people, you can still save money while doing so.

PPlan @ Provident Plan writes Is Trading Forex an Effective Way of Supplementing your Income? – While the UK government may be taking solace in improved growth portents and the prospects for a brighter 2014, there is still considerable work to be done!

CAPI @ Creating a Passive Income writes FSAs: All About the Flexible Spending Account – Hearing more and more about FSA’s – or flexible spending accounts? Read here to learn just what these three words mean and what they can do for you.

Minimalist @ Minimalist Finance writes Prepare Financially for the New Year – Prepare Financially for the New Year has been published on Minimalist FinanceEvery year seems to go faster and faster, and 2013 was no exception. We have just a few short weeks left of the 13th year of the millennium, and it’s time to start preparing for the new year, financially.

Suba @ Broke Professionals writes Play the Savings Game – Play the savings game, it’s a different perspective on savings.

Michelle @ The Shop My Closet Project writes 2013 was just the Debt Repayment Dress Rehearsal – I’m amazed that I kept up with blogging. I’ve saved money outside of my retirement! Traveled 3 times using cash and 3 times for work. I made sure to understand how per diems work and was able to request back moneys used on business trips.

Michelle @ Diversified Finances writes How To Be Successful – Everyone wants to be successful. Yes, I said it. I don’t know of many people who can say that their goal is not to be successful. Being successful doesn’t mean that everything is about how much money you make.

Ben Luthi @ The Wealth Gospel writes Fun Ways to Give This Holiday Season – Giving is on everyone’s minds during the holiday season. Here are some of my favorite ways to give

Andrew @ 101 Centavos writes Ten Things You Can Do To Impress People At Work – Working for the Man takes some doing. The workplace can be a political jungle, populated with hazards like vengeful Vice Presidents, ambitious underlings, and fearsome human resources trolls who are just waiting for a chance to eviscerate your career with razor-sharp talons. Fear not, here’s the prototypical blog list of ten things you (yes, you!) can do to get ahead. Some of them may require effort, some not so much.

Kay @ Green Money Stream writes Retirement Planning: Overcoming Common 401K Plan Hurdles – While 401K plans can provide for adequate retirement benefits, it is almost entirely up to the individual to make sure that their retirement goals are on track. Here are some tips to help keep your retirement goals on track.

Sustainable PF @ Sustainable Personal Finance writes Could You REALLY Retire? – One of the most important questions that many ask themselves right now is this: Will I have enough to retire?

Graham @ Moneystepper writes Timing the market: can you improve gains by timing the stock market? – Timing the stock market: can you easily time the markets? I’ll be brief. No. You can not. Do not try.

Alexa @ Single Moms Income writes Blog Goals Update #1:How I Tripled My Search Engine Traffic In 30 Days – Blogging is a legitimate way to earn money and one of the ways I do so. And, it is something anyone can do as long they are committed. Here is update number one on my blogging goals.

Larry @ KrantCents writes Classic Cars, Muscle Cars and Antiques Cars Are Good Investments! – Buying a used car will save you money, but a classic, muscle or antiques cars may actually make you money. You still have to choose your car carefully, but these cars usually increase in value unlike your typical car which decreases in value as soon as you buy it.

Holly @ Club Thrifty writes Buying a House: HOA Fees and Other Shenanigans – Living in a neighborhood with an HOA usually means extra rules and at least a few HOA fees. However, there are benefits to having an HOA.

Monica @ Monica On Money writes It’s Beginning To Look A Lot Like Christmas! – I personally have decided to skip Black Friday shopping this year, mostly because in the past I have spent a lot of money on Black Friday for random things on sale that I did not need. It is tempting to buy something just because its on sale.

Aaron @ Aaron Hung writes What’s the Difference between APR and effective APR – Today we have a quick little blog to help you in determining the difference between APR and effective APR, something that can make a big difference in the amount of money you are going to pay in interest on your credit cards.

Marissa @ Thirty Six Months writes Keep your Skin Looking Great During the Cold Weather – During the winter we all know to wrap up warm and dig out our scarves and gloves. But many of us neglect a certain area that needs our attention more than every during the cold weather; our skin can easily become dry and cracked, causing us pain and irritation if not cared for properly.

Justin @ Edward Antrobus writes 10 Reasons To Consider Small Business Exporting – Exporting used to be seen as something that only the bigger companies really did. These days the process is more accessible than ever before, even to small businesses.

Marissa @ Finance Triggers writes How to spot a good mortgage broker from a bad one – How can you decide if a mortgage broker is a good one or a bad one? The best way is to learn the answers to these questions.

Sam @ The New Business Blog writes Marketers Capitalizing on 3 Emerging Social Media Trends – If you are a marketing expert (or would like to be) you probably already know about social media and probably, like most, have been migrating between social media platforms.

Bob @ Dwindling Debt writes Considering Lending Money to a Family Member? If so, follow these 3 Basic Rules – While this may sound a bit harsh, the best rule of thumb when considering lending money to family or friends is simply this; Don’t.

Lily @ Paying Debt Down writes Money Saving Holiday Shopping Tips 2013 – Did you go so far over budget on your holiday spending last year that you didn not pay off your bills until the Fourth of July? If yes, then this post is definitely for you.

Andrea @ So Over This writes Avoid Travelocity and Their Poor Customer Service – I have explained in previous posts that I am one to rant, and this is my soapbox from which I stand. I feel like I am a magnet for poor customer service, and all the headaches that come with it.

Hadley @ Epic Finances writes Do Exchange-Traded Funds have an Advantage over Index Mutual Funds? – One of the questions that we frequently get is whether or not there is an advantage for long-term investors to use exchange traded funds instead of index mutual funds. It’s an excellent question, to be sure.

Lenny @ Best Money Saving Blog writes Practically Guarantee a Loan Application Approval with These 5 Steps – Getting your loan approved is not as easy as it used to be. Lenders across the UK, and the world, have become much more strict since the financial crisis, and loan applicants must work harder than ever before if they want their loan application to be approved.

Jack @ Money Saving Ethics writes Holiday Travel Tips 2013 – If you are planning to travel this holiday season? If so, you definitely should start making plans as early as possible because, as most of us know, traveling during the holidays can be expensive, tiring and stressful.

Amy @ Money Mishaps writes Online and Mobile Retail make Black Friday practically obsolete – Ladies and gentlemen, here is a certifiable fact; marking down prices for Christmas is an American tradition. Here is another fact that is a bit newer; today, those markdowns and bargains come right to you at home so there is no need to actually go to the store to get them.

Matt @ Budget Snob writes Why a Budget is your Best Friend – The fact is, without any type of savings the returns that you are going to get are not likely to be anywhere near sufficient or close to your goals. The solution: Creating a budget and using it.

Jay @ Daily Fuel Economy Tip writes Saving Money: Old Car vs New Car – Getting left by the side of the road is no fun at all, and it makes it awful tempting to get rid of that old car for a newer model. However, before getting too bent out of shape, it’s best to step back and really take a look at the situation.

Daniel @ Make Money Make Cents writes Want to make smarter money decisions? Use these tips from Economist Noreena Hertz – Noreena Hertz advises people in power, including presidents, prime ministers and CEOs, about international debt and globalization. She also wants to help people like you and I make better financial decisions.

Oscar @ Money is the Root writes Tips to Lower your Taxes in 2013 – Tax planning in 2013 will, thankfully, be far simpler than in 2012. The rise in the top marginal tax rate will affect wealthier taxpayers, no doubt, as well as the extra taxes that are being collected to fund the Affordable Care Act.

FI Pilgrim @ FI Journey writes I Just Set Up My First Roth IRA – It has taken me a while to see the light, but I just set up my first Roth IRA account and it was a shocking simple process!

The Warrior @ Net Worth Warrior writes The Ultimate Guide to (Finally) Cutting the Cable or Satellite Cord – In-depth review of how to make the transition from cable or satellite to other resources of television entertainment.

Daisy @ When Life Give You Lemons writes Applying the “Less is More” Philosophy to Your Finances – Pinterest and magazines are covered with the “less is more” design slogan. And it makes sense when you apply it to designing your living room, or even minimalist website designs with tons of white space. But what about your finances? Could less ever be more when it comes to cold, hard cash?

Daisy @ Suburban Finance writes How to Not Pay Taxes – While death and taxes are the only guaranteed things in life, there are a few legal ways to not pay taxes. Nobody likes paying too much tax!

Nicole @ How to Avoid a Cashtastrophe writes Don’t Trick Yourself Into Thinking Your Handling Money Well – See more at: – You’re headed down a dangerous and catastrophic (or, cashtastrophic) road if you are tricking yourself into actually believing that you are being good with your money when you aren’t.

Mark @ The Money Mail writes Importance of Renters Insurance – Whenever you go for a rental apartment, there is a question in mind. Should one go for rental insurance or not? Well to be honest, the answer is not that simple. While insurance does come in handy if anything goes wrong. It is expensive and may or may not covet things you are concerned about. In order to decide if you should go for renters insurance you have to consider many factors and in this article we look at all the important factors to make up your mind.

Adam @ Money Bulldog writes Credit Builder Credit Cards – Using them wisely – How your credit score can easily go from bad to good through credit builders.

Adam @ Money Rebound writes Could You Spend a Million Bucks in a Week? – Have you ever dreamt of having a million dollars to just spend on anything you could ever want?

Adam @ The Cheapest Cars To Insure writes 10 of the Best Insurance Group 1 Cars – Getting the best affordable insurance policy for your type of car.

Jack @ eMoneyLog writes What to buy and what not to buy at a thrift store? – Shopping at a thrift store can be difficult if you do not know what to buy at these stores. It can actually be very intimidating. Some of the items are just crap, many are average quality but you can also often find gems if you know what to look for. In this post I take a look at the best items to buy from the ones available at a thrift store. There are many stores that will carry old items that have antique value. If you know how to identify these you an end up with some really good items at

Gary @ Gajizmo writes How To Make Your Resume Stand Out – Whether you are a college student about to graduate next semester or a professional who is looking to switch careers, most employees in the labor force know that Spring and Summer offer the best opportunities to find a new job. Here are some tips to make your resume stand out and help you land the interview.

Christopher @ This That and The MBA writes How Much Do You Need To Have In The Bank To Retire – Those that understand what they need to do for something to happen the way that they very much want it to, but who are putting very little effort into finding out how they need to go about making it happen.

Dollar @ Easy Extra Dollar writes Make Money Blogging Online – When you first start blogging online you have to decision to make that will affect your whole blogging experience. You have to decide whether you will choose a free site that will host your blog for you like Word Press or Blogger for example or build blog under your own domain name.

Ray @ Squirrelers writes Will You Define Retirement on Your Own Terms? – We will all eventually have to stop working. It’s inevitable. Do want your retirment to be determined by that, or by your own decisions?

Joshua Rodriguez @ CNA Finance writes Is It Time To Start Investing – In this post, Joshua talks about when it’s the right time to start investing as well as other things that beginning investors should know.

Justin @ Root of Good writes I Have a Luck Making Machine – Find out how the Luck Making Machine makes us wealthier and always makes smart choices. From houses to cars to careers, we always seem to have the best luck thanks to the Luck Making Machine we own.

Irfan @ Everything About Investment writes Tips for Personal Financial Success – Getting a handle of managing your basic personal finance can return many financial rewards as well as provide you with more free time to pursue your interests and freed up money to invest. When we talk about the basic elements of anyone’s personal finances we are including a personal budget, savings and investment planning, managing your income and outgoings resourcefully as well as applying for loans and finance and various insurance policies you may need over your lifespan.

Mitchell Pauly @ Snarkfinance writes Inexpensive Retirement Tips – An overview of how to cut costs while in retirement.

John @ Frugal Rules writes And You Wonder Why We Have Financial Problems… – Recent studies show, and not really surprisingly, that much more money is being spent to market financial products as opposed to teaching about them. While this may seem like an impossible problem to solve, teaching financial literacy can help stem the tide. Teaching financial literacy will help individuals begin to make wiser financial decisions like saving for retirement and living within their means

Grayson @ Debt Roundup writes How I Saved $780 Per Year On My Cell Phone Bill – One question that I get often is “How do I save money on my cell phone bill?“. I can understand the popularity of this question because it seems cell phone bills are getting higher and higher these days. I decided to show others how I saved $780 per year on my cell phone bill.

Harry Campbell @ Your PF Pro writes Tuning Up a Bicycle is Easier and Cheaper Than You Think – Ever since I moved up to Newport Beach a few months ago, I have been biking nearly everywhere. When you don’t have a job, you have a lot more free time on your hands so you’re not in quite as much of a rush. A lot of people think riding your bike takes significantly more time than driving in a car, but once you’ve got a few weeks of riding under your belt, you can make surprisingly good time. You might show up to your destination a little sweaty, but you’ll save a ton on gas and you g

Harry Campbell @ The Four Hour Work Day writes How Often do you Complain About Your Situation? – There are certain people in an office that I just can’t tolerate. One of the main offenders is the “is it Friday yet?” guy. Week in and week out, this guy will come by on a Wednesday or Thursday and ask that same corny question. I’m not sure why it bothers me so much but if you’re always working for the weekend, what’s the point of working at all? Maybe it makes me so mad because I’m the type of person who would never put myself into a situation where I had to work 5 days at a

Pauline @ Reach Financial Independence writes Why your mindset is more important than strategies when reaching financial independence – This is a guest post from Simon Cave. When people try to reach financial independence they tend to overlook strategies. Strategy only represents 20% of your outcome while mindset is 80% part of your success.

Pauline @ Make Money Your Way writes Investing in Commodities – Troy continues the investing for beginners series, explain the basics regarding investing in commodities.

Jim @ Critical Financial writes Invest Now, So You Can Relax Later | Follow These Five Tips – Invest Now, So You Can Relax Later | Follow These Five Tips @ Mom and Dad Money writes Understanding the Difference Between Group and Individual Disability Insurance Policies – Today I’d like to run through some of the pros and cons of purchasing an individual disability insurance policy (separate from work) vs. taking the group disability insurance offered by your employer. Each has their own strengths and weaknesses, and understanding them will ensure that your family has the protection it truly needs.

Miss T. @ Prairie Eco Thrifter writes Roth IRA Conversion? Better Wait and See – I know that most folks don’t take a generational view of wealth management, and that it is somehow frowned upon by Americans, but I want my kids and grandkids to have a leg up and if I can help with that, I intend to do so. However, it sounds like using a stretch Roth IRA won’t be a way to do it so it’s back to the drawing board for me.

Little House @ Little House in the Valley writes Investing as a Way of Earning Passive Income – espite the multitude of challenges that face forex traders, however, this market has become increasingly accessible in the wake of social, economic and technological evolution. As a consequence of these changes, part-time traders and individuals with limited experience of the market now have an opportunity to earn significant profit.

Carmen @ MLIQ101 writes Is Whole Life Insurance A Good Investment? – The New Year is coming and you are likely considering how best to protect your financial dependents. You hear about term and whole life insurance, but which is better? Are you wondering if whole life insurance is a good investment? Read our guide to get insight into why whole life is a bad investment option and you should just buy term life and invest the difference.

Mr.CBB @ Canadian Budget Binder writes How to get what you pay for when buying online – f you fail to take a few minutes to read over the small print you might just be surprised what you are actually buying.

Carmen @ MBCI101 writes How To Find The Best Car Insurance – Car insurance is a necessary expense and all Americans are constantly looking for ways to lower their rates and improve their coverage. So what factors affect your auto insurance premiums and how do you find the lowest rates? Check out this guide to getting the best car insurance rates through discounts, defensive driving classes, low-mileage, and more.

JC @ Passive-Income-Pursuit writes Deere & Company (DE) Dividend Stock Analysis – Take you for a ride on my big green tractor? The global population continues to grow meaning that we need more food. How good is the largest farm equipment maker for a dividend investment?

Joshua Rodriguez @ CNA Finance writes First Steps To Take When Repairing Bad Credit Scores – In this post, Joshua discusses the first steps that you should take to improve poor credit scores in a simple to understand step by step format.


14 thoughts on “Carnival of Retirement

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  5. Retirement age can be relaxed or enjoyable, if you have life insurance, medical insurance and term life insurance. How much we can make? We should spend less then income. I am really thankful for all these information/post!

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  9. Pingback: Why your mindset is more important than strategies when reaching financial independence.

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