It is my pleasure to host this week’s edition of the Carnival for Retirement. You’ll find a plethora of financial articles here that will assist you in building towards a successful retirement. For anyone interested in being included in these carnivals please visit the Blogger Carnival to submit your articles for consideration. Enjoy!
Roger Wohlner @ The Chicago Financial Planner writes Target Date Funds: 6 Considerations Before Investing – Target Date Funds are a popular option in many 401(k) plans. Here are 6 considerations to think about when deciding whether Target Date Funds are right for you.
SB @ One Cent at a Time writes Are Young Adults to Be Blamed for Not Having Retirement Savings? – Of all the non-retired generations, including Baby Boomers and Gen Xers, Gen Y is the leader in not saving,. Whom to blame for? Young adults, in the age range 18 -28 go through major life events like first job, marriage, first home, etc. Naturally the inclination towards retirement saving is less likely for this generation, read more.
Deacon @ Well Kept Wallet writes Save Money With A Refillable K Cup for Your Keurig – I drink coffee almost every day and it can be an expensive habit. If you own a Keurig, which is a single cup coffee maker, then you know how pricey it can be for just one cup of coffee. I was at a Starbucks yesterday and a 12 pack of Pikes Place K-cups was $11.95 which comes out to about $1 per cup of coffee.
Michelle @ Making Sense of Cents writes Should I Pay Off My House Early? – Pros and Cons – Should we pay off our house early? What about the next house? Don’t worry guys, we haven’t bought our next house just yet. We’re keeping our current one for at least another 12 months. However, we have been thinking about whether we should pay off our current house quickly (we have been debating whether we want to rent it out or not – if we decide to sell then we of course wouldn’t pay off the current house quickly) and even whether or not we should pay off our next house quickly as we
Michael @ Financial Ramblings writes Proper Asset Allocation in Retirement – It’s incredibly dangerous (imho) to apply hard and fast rules when it comes to things like asset allocation. There are a number of variables at play, and what’s right for one person might be completely wrong for another. In this article, I discuss some of the factors to consider.
Lance @ Money Life and More writes Buying a Home: Is a Small Down Payment Actually a Big Deal? – When you don’t have a large down payment of at least 20% and you’re trying to buy a house, FHA loans are one option that has been popular in the last few years due to the low minimum down payment of 3.5%. Unfortunately, these mortgages have a ton of fees and they’ve recently drastically increased.
Arnel Ariate @ Money Soldiers writes 5 Steps to Get on Top of Your Monthly Bills – Here are 5 steps to help you get on top of your monthly bills. Getting on top of your bills is an absolute priority, and with these simple steps you can enjoy greater financial freedom faster.
Michael Kitces @ Nerd’s Eye View writes Proposal Threatens To Ban Specific Share Identification Method For Lot Level Accounting Tax Strategies – The specific share identification method allows investors to choose which investment is sold, which can be very helpful to optimize capital gain/loss harvesting strategies. But a recent White House proposal would eliminate the planning opportunity, forcing everyone to use average cost!
Robert @ My Multiple Incomes writes Understanding the Future of Your Credit Score After Saying “I Do” – On your wedding day, when you recite your “I do’s,” you’re not only agreeing to a life together for richer, for poorer, through sickness and in health, but also to a life in which you share nearly everything. You’ll share your house, cars, friends, and family, and you may even inherit your spouse’s Chihuahua and last name.
R.J. Weiss @ The Insurance Protection Blog writes What parts make up a homeowners insurance policy? – Understanding what’s covered and what’s not when it comes to home insurance.
Robert @ The College Investor writes Advice Needed for the Newbie Homeowner – In exactly one month, I’ll close on my new home. Approximately 1000 square feet of Portland will belong to me (who am I kidding, it’ll belong to the bank, but it’ll be my neck that gets wrung if things go south) and I keep thinking about how things will be. Will my life be much different?
Maria @ The Money Principle writes 5 Ways to Make Money before you Start University – Going off to university is expensive; if you make money and set up a ‘university nest egg’ before you start you will find it much less financially stressful.
Tushar @ Earn More and Save writes Save Money: Combat To Disaster with Help of Online Backup Apps: – Many of the people are using their computer for running their small to medium size business. Large business has a lot of computer for the proper functioning of their work.
SFB @ Simple Finance Blog writes How College Students Can Save Money – While paying off student loans and college tuition continue to be financial burdens on most college students, saving money seems to be almost impossible in today’s world of temptations.
Mel @ Mel’s Money writes Ten Year Retirement Plan – Steps You Should Take – This week, I’ve written a guide on how you can, in ten easy steps, make sure that as retirement approaches, you can relax knowing you’ll be able to afford those cocktails on a beach!
Kevin @ Passiveincometoretire writes Making Money from Tax Liens – 1. You can make a decent amount of money from tax liens if you are willing to do all the leg work to get it. Here are a few tips to get you started. 2. Make a list of all the courthouses in your area. Write down the address, phone number, website and contact information.
CAPI @ Creating a Passive Income writes Changing Mindsets: Switching from Short-Term to Long-Term Thinking for Finances – Regulating your finances isn’t a short-term game. It’s important to be sure you have money down the road. Here’s tips on switching to long-term thinking.
Michelle @ The Shop My Closet Project writes Are you growing your best life? – For the purpose of this post I want to take this a step further and ask are you doing the things that you need to do to grow your best life? I would argue that most people aren’t putting enough time into creating the life that they would like to live because it may feel overwhelming.
Suba @ Broke Professionals writes Freelancers: Making Sure You Don’t Owe Uncle Sam In 2013 – If you do freelance work – or any type of second job – it can be tough to pay the right amount of income taxes. A worksheet on your W-4 can fix that.
Ted Jenkin @ Your Smart Money Moves writes Is Your Retirement Plan Full Of Swiss Cheese – Last year, I did a piece on retirement planning assumptions.
Mike @ Personal Finance Journey writes How to Pay Off Multiple Payday Loans – Easy ideas and solutions on paying off multiple pay day loans when you find yourself in a bind.
John @ All Things Finance writes Teaching Your Teenager About Credit Cards – Teaching your child financial responsibility is one of the most important tools you brace them with. Unfortunately we can’t rely on them learning any financial skills in school so it’s our responsibilities as parents to prepare our kids the best we can.
John @ Fearless Men writes Minimum Balance Nightmare: Why It Pays to Overpay [Infographic] – Credit card debt is racking up in many households, and people want to be set free from it. It can kill a man’s present–and future. Don’t get sucked into the cycle of only paying the minimum balance-that’s a nightmare. It pays to overpay, and the below infographic will tell you why.
Mr. Frenzy @ Frenzied Finances writes Getting Creative: How to Reuse Items to Save Money – There are many items you can reuse for similar or even different purposes around the house. It’s a great money saver. Here are tips on how to reuse items.
Matt Becker @ Mom and Dad Money writes The Experts Can’t Pick Stocks. Can You? – Most investment advice makes picking stocks sound pretty badass. Here are some facts that might make you think twice.
SBB @ Simple Budget Blog writes Pink Slips: Budgeting While Unemployed – Stuck in a rut? Unemployment can be tricky, but we can help. Read here for helpful tips on how to budget your way through a period of unemployment.
Marvin @ Brick By Brick Investing writes Investing Is War – A detailed correlation between Sun Tzu’s timeless writing “The Art of War” and stock investing.
Steven @ MyDividendStocks writes Passive Income the American Dream – People always chase after the American Dream. They dream of sleeping in every day, pursuing their favorite hobbies and work when they want. They dream of going to the mailbox every day and receiving a check for not working at a job in years.
JP @ My Family Finances writes US vs. UK banking: what’s the difference? – For the past few centuries, banking has made looking after money incredibly convenient, no matter what country each banking institution is in.
Amanda L Grossman @ Frugal Confessions writes How to Reap High Happiness ROI – Many of us have learned over the years that physical things do not make us happy.
Luke @ Learn Bonds writes Barbell Strategy – What it is and How it Works – A barbell strategy are simply another way to try and deal with interest rate and reinvestment rate risk. Here’s how barbell strategies work in bonds.
Evan @ My Journey to Millions writes An Unusual Way to Create An Amazing Legacy – I came across this amazing and unusual estate plan where the a family created a credit union for heirs only. Forget having to worry about gifting or tax ramifications of intra-family loans this a legitimate credit union
Little House @ Little House in the Valley writes Lanscape on the Cheap Through Craigslist – Want to landscape your yard for free? Or at least close to it? Craigslist has a “Free” section that’s updated on a daily basis. Free stuff goes quickly, but certain items hang around a little longer, like trees, dirt, mulch, and the like.
Arnel Ariate @ Money Soldiers writes 4 Factors to Consider Before Starting a New Business – Don’t think about the negatives when you’re starting a new business, just stay realistic. To maximize your success and minimize your risks, start thinking about profits, taxes and what it takes to get started.
krantcents @ KrantCents writes 10 Things You Don’t Know – 10Things You Don’t KnowThings You Don’t Know, Math, Soft Skills, Food, Personal Finance, Love, Women, Men, Mind, Animals, Future, Self -Assessment
Grand Per Month @ Grand Per Month writes Invest Your Extra Grand Per Month – If you’re 30 years old or less, what would happen if you invested in a fund that consistently earned 10% per year, and each month, you just continue to put that $1,000 into the account as well. How big would it get?
Penny Thots @ Penny Thots writes Prepping for a Home Sale – If you are planning to sell your house, there are some important things you need to do to prepare your house for showing it prospective buyers. These tips will help you to get top dollar for your house and hopefully help it sell quickly.
Kevin @ 20smoney.com writes Cheapest College Towns to Live In – College towns can be the greatest places to live in since the rents can be inexpensive. To describe them in a few words would be lifestyle and value.
Gary @ Gajizmo writes Best Ways To Make Money From Home – Saving money and living below your means is fundamental to financial independence, but more importantly, families need to find ways to grow their income. This article can help you get started by giving examples of the best ways to make money from home or online. We discuss factors to consider, resources to check out, and the viability of business ideas.
Tony @ We Only Do This Once writes How I Quit My Day Job – Well, I did it. I gave notice to my employer. 60 more days, and I am leaving my job. Here’s how I did it.
LaTisha @ Young Finances writes Car Leasing for Businesses – Business owners have started to consider car leasing as a new financial vehicle. This is because auto leasing is going to save them thousands of dollars.
MMD @ My Money Design writes Another Reason Why You Need Emergency Money – For Stupid Car Repairs – If you think having $1,000 of emergency money is going to cut it, think again! This week I’ve spent more than I ever anticipated on stupid car repairs.
MMD @ IRA vs 401k Central writes Is a Self Directed 401k Plan Right for You? – What do you do if you’re self employed or you want more than what your employer’s retirement plan offers? You apply for a self directed 401k.
John @ Card Hub writes Understanding Audits: What Taxpayers Need to Know About Triggers, Procedures & Penalties – For those consumers who rushed through their returns or, even worse, tried to pull a fast one on Uncle Sam, April 15 might very well mark the beginning of a nerve-wracking waiting game.
Matt @ Living in Financial Excellence writes Save1.com: Save Lives While You Save Money – Usually I just set money aside and wait until I see what I’m looking for on sale. But I found a website that lets me find deals on products and save even more money at the same time.
Lazy Man @ Lazy Man and Money writes About Our Real Estate “Empire” – In the end, none of the properties are what a real estate investor looks for: a cash-flow positive property. On the bright-side, there are a few advantages to “losing money”… they vary in terms of value:
Ross @ Wallet Hub writes Changes to the Mortgage Interest Tax Deduction – As budget debates have consumed Washington, eyes have turned towards modifying the mortgage interest deduction.
Investor Junkie @ Investor Junkie writes Are Retirement Accounts Flawed? – The FRONTLINE documentary “The Retirement Gamble” by Martin Smith documents the issues with retirement accounts. Overall, the documentary was ok, though anyone who’s familiar with 401(k)s will not learn much.
Hank @ Money Q&A writes This Week’s Podcast with Adam Shepard the author of “One Year Lived” – Adam Shepard shows us in his new book, “One Year Lived” that you do not have to give up on your bucket list and your dreams. I talked to him on our podcast, Your Money Your Choices, this week about bucket lists.
Crystal @ Budgeting in the Fun Stuff writes Have You Heard of Kickstarter Yet? Hubby is a Fan! – Have you heard of the site, Kickstarter? It is used to get creative projects funded. Projects like board games.
Roger the Amateur Financier @ The Amateur Financier writes 8 Ways to Save Money While Saving the Earth – A list of methods to cut down your environmental impact while also saving money, including methods of reducing, reusing, and recycling in your life.
Don @ MoneySmartGuides writes Understanding Risk Tolerance – In order to be a successful investor and meet your long-term goals, you need to understand your risk tolerance so that you stay invested in the market.
Jester @ The Ultimate Juggle writes Spring Cleaning: How to get rid of clutter – It is quite amazing how quickly clutter can grow around the home. Those old, unwanted things just seem to multiply, taking up the already limited living space you have. That’s the problem when clutter builds up. When it comes to getting out that feather duster, the simple task of cleaning becomes torturous.
Tushar @ Start Investing Money writes Why Stock Market Investing Isn’t Gambling? – If you are looking to be entertained, gambling online will probably be better than stock investing. You can click here to experience an online casino site, and get the chance to win, or lose, big money.
Brent @ PersonalFinance-Tips writes How to Know Your Tax Benefits: – A tax benefit refers to a number of economic bonuses. It consists of “tax-reduction”, “tax deferring” and “tax free” investments. This benefit offer “retirement schemes” and also provides “incentive savings”.
DJ @ Money for College Project writes How to Create Your Own Scholarship – A\A radical change in the traditional scholarship method. Much like bootstrapping your own business, we show you how to build your college scholarship portfolio from the ground up using corporate sponsors.
Ryan @ Cash Money Life writes Are Health Savings Accounts (HSAs) Going Away? – With the coming changes to healthcare laws, will your Health Savings Account vanish? Will your premiums rise? Here’s what you need to know.
MR @ Money Reasons writes How Much Money Is a Lot of Money? – Money has changed meaning to me as I grow older. Read some of my funny history around how I viewed money, and what a lot of money is to me today.
John S @ Frugal Rules writes Online Brokerages I Use: OptionsHouse Review – There are many online brokerages to use as you look to invest in the stock market. The good ones are there to meet your needs and help make sure you’re doing what you can to be investing for things like retirement.
Jacob @ AllPersonalFinance writes Understanding Exchange Rates – More people are becoming interested in foreign exchange trading. However even though many people are considering foreign exchange trading they do not have the education necessary for successful trades. Forex trading is an entirely different type of trading than traditional stock market trading.
Barbara @ Barbara Friedberg Personal Finance writes 3 EASY JOBS TO GET WHILE IN COLLEGE – Make money in college. 3 high paying jobs for college students.
Sam @ Simplefinancialfreedom writes Reverse Mortgage FAQ – The HECM or home equity corporation mortgage is actually an FHA reverse mortgage. It is used to withdraw on the equity of your home.
Debt Guru @ Debt Free Blog writes 10 Mistakes to Avoid Right Out of College – Just graduated from college? Congratulations! Now the real battle starts. Read here for tips on avoiding these common money mistakes post-graduation.
IMB @ Investing Money writes How to Execute a Winning Trade – Have some stocks you’re looking to trade? You want to be able to execute a winning trade to get the most out of your stocks. Read here for tips on trading.
Mr.CBB @ Canadian Budget Binder writes Bust Our Budget April Update – Sometimes following a budget can be time consuming but give it time and it will become part of your daily routine. Since designing our own budget and sharing tips with our community of fans we hope that we can stick to those rules and make the budget work for us. Budgeting is a solid investment in your personal finances and if you want to get a handle on your own finances then you have nothing to lose.
Corey @ 20s Finances writes Preparing for Next Year’s Taxes – For most of us, income taxes are a major annoyance, but the overall stress or frustration is usually unnecessary.
Wayne @ Young Family Finance writes Don’t Panic: Controlling Your Fear During Financial Emergencies – Financial issues weighing you down? It happens. Here are tips on how to keep your calm and control your fear in these financial emergencies.
Jon @ Novel Investor writes The Importance of Diversification – If you’ve ever heard “don’t put all your eggs in one basket”, it’s used to describe a simple investing principle known as diversification.
Dividend Growth Investor @ Dividend Growth Investor writes Twenty Dividend Stocks I Recently Purchased for my Dividend Portfolio – I had an old 401 (k) with Fidelity, which was eligible for a rollover. In early April I cashed out the index funds in it, and rolled the money over into an IRA. After that I decided to equally allocate the money in twenty individual dividend stocks.
Michael Kitces @ Nerd’s Eye View writes Is Capital Loss Harvesting Overvalued? – Capital loss harvesting has long been a staple of investment tax strategy – so much that the Internal Revenue Code has special “wash sale” rules to ensure that the technique is not overly abused. But the reality is that harvesting losses just defers taxes – it doesn’t avoid them entirely – and as a result, the benefit of the strategy is far less than most realize, and often outweighed by the risks!
harry campbell @ Your PF Pro writes Writing Off Moving Costs During Tax Time – The IRS provides a lot of deductions for hard working Americans like us but a lot of people are unaware of them or maybe scared of an audit. I say bring it on, as long as you have the receipts and proof to back it all up, you should take advantage of every deduction available out there. The ‘moving expenses’ deduction is one of the more valuable ones since it’s above the line, meaning you don’t have to itemize to take advantage of it.
Daniel @ Sweating the Big Stuff writes First Quarter Business and Personal Finance Goals Update – it’s been 3 months since I set my 2013 goals. Here’s how I’m doing so far.
Kyle @ The Penny Hoarder writes Ebay Surprise: Making Extra Money with Other People’s Stuff – I love spending money. I would eagerly waste my hard-earned money on clothes, bag, shoes, makeup and more. After years of this unfortunate habit, I reached a point where I couldn’t deal with the guilt. I could’ve saved enough for a house by now — or at least a nice condo.
Jules Wilson @ Faithful With a Few writes Why We Want To Start A Giving Account – A giving account is a great way to set aside money in order to be a blessing to someone else. Make sure you have this in place, so you can respond when there is a need.
PK @ Don’t Quit Your Day Job… writes Crude Oil Price Return Calculator – Brent and West Texas Intermediate – I suppose crude oil is an interesting thing to invest in directly – but hey, someone had to build the calculator. Roughly 30 years of daily returns on WTI and Brent Crude.
Glen Craig @ Free From Broke writes Do I Need Life Insurance In Retirement? – Generally you use life insurance until you retire but there are times when you still need life insurance in retirement. See when and why.
Jules Wilson @ Fat Guy,Skinny Wallet writes Scrap Booking On A Budget – Cheap Scrap booking Ideas can help you go from expensive hobby, to a cost-effective way to cherish your precious memories. Here are 5 ways to scrapbook on a budget.
Marie at Family Money Values @ Family Money Values writes Free Things to Do in Branson – If you are retired and don’t want to spend a bunch of money on your getaway, take a look at all of the free and inexpensive things to do in Branson, MO
Jason Hull @ Hull Financial Planning writes Learning From Your Mistakes: Why Credit Card Fees Aren’t the Same as Stocks – This article examines the differences in learning from failures and learning new skills to evaluate why you can learn from mistakes when you pay a credit card fee but can’t necessarily learn how to repeatedly pick winning stocks.
SB @ One Cent at a Time writes Few Simple Everyday Techniques to Protect yourself from Germs – Germs are the causes for many common diseases like flu and cold. Germs are every where from door knobs to toilets. This article talks about most common places where germs can be found and ways to protect yourself from them.