Welcome to the January 13th edition of the Carnival of MoneyPros.
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 portfolios!
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 The Importance of Positivity When Setting Resolutions – In my opinion, that makes today a perfect day to decide what next year will bring. Enter resolutions. The most common are lose weight and quit smoking, and those almost always fail. I think it has something to do with negativity.
Robert @ Entrepreneurship Life writes Prepare for Opening Day – Our party promotion business opened with a bang on New Year’s Eve as we welcomed nearly 200 revelers to dance and party the night away. We learned a lot getting to that point, and I want to share what we learned.
Mike @ The Financial Blogger writes 25 Thoughts on Blogging For 25 Years of Life, Part 2 – Random lessons from blogging.
Martin @ Studenomics writes How You Can Embrace Minimalism Right Now to Set You Free – How to earn your freedom in 2013.
Grayson @ Debt Roundup writes Ways to Use Your Credit Card without Accumulating Debt – Many people are scared of credit cards due to the possibility of accumulating debt, but there are ways to use your credit card that will benefit you and keep away debt.
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.
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.
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.
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
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!
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.
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.
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%
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.
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.
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.
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.
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!
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…
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.
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)
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.
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.
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.
Peter @ Bible Money Matters writes Fiscal Cliff Deal Passed by Congress. What Is In the Bill and Why Your Taxes Are Probably Going Up – The thing most folks want to know about the fiscal cliff is, how will the fiscal cliff affect me? According to CBS, most of us will be paying more in taxes for 2013, on average $800-1000 more, despite the rates for most taxpayers being extended and made permanent.
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.
Grand Per Month @ Grand Per Month writes Cash In on Those Unwanted Goods – I have a way that you could earn thousands of dollars each month, and you can do it with items that people are just willing to give you, free of charge.
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.
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.
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.
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
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.com 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.
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).
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.
Ray @ Squirrelers writes You Just Got a 2% Pay Cut: How Do You Feel About It? – Effective January 1st, those of us in the U.S. saw an increase in payroll taxes passed on to workers. This means that most of these folks are paying an extra 2% all of a sudden. What do you think about this?
TTMK @ Tie the Money Knot writes Sperm Donor Asked to Pay Child Support: What Do You Think? – Child support is often a contentious topic for many people. This situation described in this post might be a bit out of the ordinary though!
DPF @ Digital Personal Finance writes Using Red Laser to Save Money – If you go to a store and find an item you’re looking for, it can pay to use your smartphone to compare prices. This post discusses an app I have used to do that.
Teacher Man @ My University Money writes How Much to Tip When You Are a Poor Student – The whole topic of how much to tip has been done to death in my opinion, but are “the rules” always the same for everyone?
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.
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.
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.
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.
Alexa @ Modest Money writes Modesty Really is the Best Policy – It is a completely natural feeling to want things and want them now. After all we are human beings. The key to getting the things you want is sacrifice. Live modestly now, live it up later.
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.
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.
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.
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.
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.
Michelle @ Making Sense of Cents writes Ways to Earn Extra Income Part 1 – Oh extra income… Whenever I publish any of my extra income posts, I usually receive e-mails like crazy. I mean multiple e-mails every hour, and probably over 20 in one day. I love all of your questions and many of you have reasons for why you want extra income. Not all of you have a blog but today I’ll be talking about the different ways I make extra money. In future posts, I will be talking about more of a variety as well.
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.
John S @ Frugal Rules writes What My Air Conditioner Taught Me About Saving Money – When our air conditioner broke in the heat of the summer I thought we’d have an expensive repair bill. Thanks to some quick thinking we were able to save some money and learn a little home repair trick in the process.
Jon @ 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.
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.
Paul Vachon @ The Frugal Toad writes How to Save Money by Buying a Used Car – Buying a new car is even more expensive than you think. Depreciation in the first year can cause you to be upside down on your loan. Find out why buying used makes cent$.
FMF @ Free Money Finance writes Case Studies Of People Who Have Successfully Quit – In the following article, I share with you two examples of people who have successfully quit their jobs
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.
Emily @ Evolving Personal Finance writes Do You Buy, Lease, or Get Free Entertainment? – We virtually never buy media any longer but get most of it for free. What do you splurge on and if you buy, why?
Philip @ PT Money Personal Finance writes 10 Notable Online Personalities Define, “What Is an Entrepreneur?” – Everyone has a different definition for the term, “entrepreneur.” While at NMX last week, I asked several notable online personalities to give me their definition. Not surprisingly, no two definitions were the same.
Jeff Rose @ Good Financial Cents writes How to Detect and Report Financial Elder Abuse – One of the sad truths about our society is that there are those who financially prey on others. Among the most tragic of cases are those involving the financial abuse of the elderly.
Glen Craig @ Free From Broke writes What is the European Debt Crisis and How Can It Affect You? – Did you catch that bit on the news about the European debt crisis? Bet you wonder what the European debt crisis is and how it affects you? Read on to get your head around it.
Jacob @ My Personal Finance Journey writes How to Stick to Your Debt Payoff Goals in the New Year – This post describes techniques on how to create a debt payoff strategy and how to follow through and succeed with these goals in the New Year.
KK @ Student Debt Survivor writes Embarrassed to Drive a Used “Beater” Car? I’m not! – Ever worry about what others will think about you when you’re driving a “wreck”? I’m not concerned.
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
Rich Avery @ Money Wise Pastor writes Are “Doomsday Preppers” Survivalists Crazy or Do They Make Some Good Points? – How prepared are you for a nuclear attack, epidemic, financial meltdown, EMP, natural disaster, or terrorist attack? If you’re a “Doomsday Preppers” type of survivalist, you’re more ready than me – and most other Americans – and you’ll probably be called “crazy” for it too.