Welcome to the March 3rd edition of the Carnival of Retirement.
Pauline @ Reach Financial Independence writes Buying a house cash: being truly at home – I decided to buy a house cash to fully own the roof over my head, even though it doesn’t make full financial sense
Robert @ The College Investor writes The Politics of Debt in America – Some version of the long forgotten debtor’s prison is back in the reckoning. It is not a prison per se, but still there is likelihood that people will get punished for not paying their bills. This seems a regressive step, considering the fact that America has shifted towards becoming a debtornation rather than a debtor’s prison.
Robert @ Entrepreneurship Life writes Do You Need a Design Patent For Your Product? – Why You May Need a Patent
Andrew @ 101 Centavos writes Stupid Friends Are Expensive – A moral tale on the uselessness of idiot friends, whereby a young man must make a choice between standing by his old (and stupid) high school chum, and getting on with life.
Barbara Friedberg @ Barbara Friedberg Personal Finance writes My Farming Past Taught Me More than just How to Muck Manure – A former farmer shares money-spending-saving-investing wisdom.
Amanda L Grossman @ Frugal Confessions writes Insights from Our Free Investment Portfolio Check-Up, and How to Get Yours – There is something that I have learned along the way in my frugal decadent lifestyle: if you practice frugality all of your life, then you are most likely going
Evan @ My Journey to Millions writes I Am Actually Excited to Buy My Niece’s Birthday Gift – Investments! – I hate how many toys I have in my house because I truly believe that my son just doesn’t care about 92% of the toys. So I think I just see them as wasted money mostly by very generous friends and family. I was expressing my feelings to a buddy when he told me instead of purchasing a gift that his niece or nephew won’t remember he takes the equivalent amount he would have spent and invests it for them.I hate how many toys I have in my house because I truly believe that my son just doesn’t
Corey @ 20s Finances writes Clipping Coupons: Is it Worth It? – In order to determine whether coupons are worth your time, consider this simple argument.
Jason @ Live Real Now writes Make Extra Money Part 4: Keyword Selection – In this installment of the Make Extra Money series, I’m going to show you how I do keyword research. Properly done–unless you get lucky–this is the single most time-consuming part of making a niche site. If you aren’t targeting search terms that people use, you are wasting your time.
Don @ MoneySmartGuides writes How Much Does an MBA Really Cost? – On average, you could pay more than $60,000 for a two-year MBA program. But getting your MBA from one of the most prestigious institutions in the United States could cost more than $100,000.
Penny Thots @ Penny Thots writes Haggling: The Value of Patience – Try slowing down and pausing when you’re considering a purchase, especially for large one. Take your time. Don’t hesitate to counteroffer, even if you’d be willing to pay the first-offered price. You’ll be amazed at how much you can save with this method.
Michelle @ The Shop My Closet Project writes Money Love Blanket-Saving money is an act of self-love – It’s my view that the concept of saving money is sold to people in the wrong way. We’re told that we should save because it’s a good thing to do, you should save in case of an emergency. There is a lack of connecting with emotions that affect our money lives. These things that we’re saving for seem so abstract and I don’t know about you but I like to live in the fool’s paradise where emergencies don’t happen to me. Emergencies happen to other people.
MMD @ My Money Design writes The Roth IRA Basics and What You Need to Know to Get Started Today! – If you’re trying to figure out what to do differently with your money, read on as I explain all the Roth IRA basics and how you can make the most of them.
Crystal @ Married (with Debt) writes If You Are Struggling with Debt, Do Not Get Pets… – When in debt, avoid the pets. I should know. Our pets have cost us about $3000 in 4 years…
Jennifer Lynn @ Broke-Ass Mommy writes The practicality of joint or separate bank accounts – Where do you stand on joint vs separate bank accounts? Read my take!
Maria @ The Money Principle writes Stumbles on the way to paying our debt – Last week we were very happy to announce that we had repaid some lb100k ($157k) in a tad over 3 years. But don’t believe it was all plain sailing – changing our lives to accommodate budgets and be more careful with money was breaking a (bad) habit of a lifetime.
Daniel @ Sweating the Big Stuff writes Buy Cheap Wine For Your Friends But Tell Them It Was Expensive – Five Cent Nickel recently posted about wines prices and perceptions, noting a Freakonomics podcast that discussed the topic. I’ve always been a big fan of Freakonomics, and was even mentioned in their blog way back when I was a college student with an internship. The specific podcast talked about how individals rate cheap and expensive…
Little House @ Little House in the Valley writes The Advantages of Buying Secondhand – Although some people are still reluctant to buying used items, doing it offers many advantages when it comes to some specific goods.
Eddie @ Finance Fox writes Another Riches to Rags Story – Even though I’m certainly not the type to laugh at anyone’s misfortunes, riches to rags stories are certainly a huge laugh for me.
Roger the Amateur Financier @ The Amateur Financier writes Money and Child Raising: Saving for Child’s College – A discussion of the pros and cons of saving and investing to help your child pay for their college education when they reach that point.
Hank @ Money Q&A writes What To Do Right Now Before You Lose Your Wallet – Here are tips that you can use right now to make sure that if you lose your wallet it doesn’t completely ruin your financial day and worse end in identity theft.
krantcents @ KrantCents writes A Simple Retirement Plan for You! – Retirement can happen at any time! A typical definition of retirement is the act of leaving one’s job and ceasing work. In my parent’s generation, you kicked back and did not do much. It was a way of withdrawing or retreating from the work world.
Miss T. @ Prairie Eco Thrifter writes How to Get Your Budget to Balance – Here are a few tips on how to get your budget to balance.
Investor Junkie @ Investor Junkie writes Investing with the Dividend Discount Model – The beauty of the dividend discount model is in its simplicity and effectiveness on dividend-paying stocks.
Tushar @ Finance TUBE writes Securing you Future after Retirement – Making your future secured this is the punch line. Yes, you would receive a sum of money every month, sitting at home without having to invest anything substantial. This would be a lifetime income solution for you. However, it’s not easy receiving the social security retirement benefits.
Girl Meets Debt @ Girl Meets Debt writes Observations of a Former Bank Teller – Many people who know me in my real life are surprised to find out that I went into banking in the first place since I am horrible at math (2+2=let me see check on my Iphone calculator)
Corey @ Steadfast Finances writes Mutual Funds: What Are They? Are They Safe? How Do I Choose? – Investors have different opinions on whether you should invest in mutual funds, but it is really quite simple.
Invest It Wisely @ Invest It Wisely writes Romance 101: How to Turn Up the Heat This Valentine’s Day – Does Valentine’s Day remind you of how sad your romantic life has been? Well, all is not lost, and here’s how you can express your feelings and affection in a special way.
Jon the Saver @ Free Money Wisdom writes Why The Envelope System is Perfect for a Marriage – This envelope system is great for married couples and helping them get back on track financially.
Mike @ Personal Finance Journey writes How to define simple living money saving tips – A great how to on money saving tips, help you reflect on your attitude and PFJ hot 5 tips on simple living money saving tips.
Tony @ We Only Do This Once writes The 8 Week Rule – The 8 week rule is key for a lot of reasons, but most important is that you should not make judgements too early on the progress you are making. Creating new connections in the brain takes time. You must keep at it, even if you feel like you are not making immediate improvement.
Mr.CBB @ Canadian Budget Binder writes Income Tax Is Like A Four Letter Word – Income tax doesn’t have to be a four letter word if you plan and maximize on the credits available for your personal or your business returns.
Sean @ One Smart Dollar writes The Rise of the 15 Year Mortgage – With interest rates at such low levels, 15 year mortgages have become increasingly popular. Are they right for you?
Ted Jenkin @ Your Smart Money Moves writes Run Your Family Finances Like A Business – When we opened oXYGen Financial back in 2008, we introduced two very important financial planning concepts.
Tushar @ Start Investing Money writes The Importance of Planning and Saving for the Future – Most of us realize we should put some regular effort into saving money for our futures. However in reality we don’t all manage to do it.
Jon @ Novel Investor writes A Guide To Major Stock Market Indexes – When it comes to investing your money, knowing the major stock market indexes are key to understand your investments and performance.
MR @ Money Reasons writes Why Diversifying Isn’t Always Necessary For High Stock Market Returns – Time has shown that stock diversification isn’t always best approach for stock market returns.
Jason @ Work Save Live writes APY vs APR – Understanding the Difference – nterest is expressed either as an annual percentage rate (APR) or as an annual percentage yield (APY). You should understand the difference between these two expressions in order to better understand your money and what you’re really being charged when borrowing money.
Jules Wilson @ Fat Guy,Skinny Wallet writes Price Battle: Aldi Vs. Peapod – A grocery store price comparison is the best way to ensure you get the most out of your grocery budget. Today we compare grocery delivery service, Peapod to Aldi’s.
Jules Wilson @ Faithful With a Few writes Don’t Get a Divorce – Unless You Can Afford To! – Unfortunately, divorce and finances have become a part of American life. Find out what financial matters you need to consider if faced with the prospect of divorce!
Joe @ Modest Money writes Study on Why You Will Overspend This Season – When you are shopping this season, make sure you think about the impact of each and every purchase. If you find yourself creeping over your budget, stop, refocus, and look behind you because the perceptual contrast principle could be right behind you!
Crystal @ Budgeting in the Fun Stuff writes Why Freelancing Might Not Be For You – Sometimes I think about going rogue and doing stuff on my own, but not everyone can survive as a freelancer. Not everyone will.
A Blinkin @ Funancials writes A Continuation of the Minimum Wage Debate – Evidence and quotations from academic economists on why raising the minimum wage is a bad idea.
Ashley @ Money Talks Coaching writes Cash Discount for Car Repairs – Everyone hates car repairs and I’m no different. Nothing feels like throwing money away more than to paying for something you can’t see and gives you no
Suba @ Broke Professionals writes It’s Going To Be A Big Year For My Family – From my daughter’s first day of school to a major announcement about my family’s future, I’m looking at some of the big steps on the horizon.
Glen @ Monster Piggy Bank @ Monster Piggy Bank writes Debt Spiral – Avoid Bankruptcy and Get Help – All about Debt spirals. – what they are – how to know if you are in one – how to get out of one
Emily @ PT Money writes Don’t Be Average–Increasing 401K Contributions and Other Ways to Boost Retirement Savings – Even if you’re a major procrastinator and you’ve been putting off saving for retirement, here are 3 ways you can boost your retirement savings.
Dividend Growth Investor @ Dividend Growth Investor writes S&P Dividend Aristocrats Index – An Incomplete List For Dividend Investors – When I was first getting started with dividend growth investing, one of the biggest authorities on dividend investing was the S&P Dividend Aristocrats Index. This list of stocks was compiled by a respectable agency and included companies which had raised dividends for at least a quarter of a century each. However, as I gained more experience in dividend investing, I realized that it is not complete.