I hope everyone is having a great weekend! Here's the Carnival of Retirement.
Street Smart Finance writes The Buy and Hold Strategy Can Kill Your Portfolio
Shilpan @ Street Smart Finance writes The Buy and Hold Strategy Can Kill Your Portfolio - One of the cornerstone principles of the street smart philosophy is to introspect stereotypical investment ideas prescribed by the main stream media. That includes their buy and hold strategy that most of us mere mortals practice religiously.
Lance @ Money Life & More writes Combat Lifestyle Inflation: Save Half of Every Raise for Retirement! - I decided I was going to be prepared for retirement after seeing all of the headlines in the news of people not having nearly enough money for retirement. Obviously you have to have enough money saved to cover your income needs while you’re retired. Something a lot of people don’t think of is the fact that the lower your income needs are the less money you have to save for retirement.
Debt Guru @ Debt Free Blog writes How Living In Debt Can Put You Behind - Having a considerable amount of debt puts you at a huge disadvantage to achieving financial security. Find out why you should avoid debt.
Luke @ Learn Bonds writes Interest Rates Have Moved Higher: What That Means for Bond Investors - A look at how a large move higher in interest rates has affected bond investors in some of the major segments of the bond market.
Jason @ Live Real, Now writes Unlicensed Health "Insurance" - Really, the best way to judge if something is a scam is to go with your gut. Does it feel like a scam? Do you feel like you’re getting away with something? Does it sound too good to be true? To recap: health care/prescription discount plans = bad juju.
Lazy Man @ Lazy Man and Money writes What's Better than a Double Rainbow? A Double HARP! - It seems like a lot of people could benefit if they knew about the HARP program. Maybe it is just me, but I've found that very few organizations are actively publicizing it.
Michael Kitces @ Nerd's Eye View writes Are Baby Boomers Actually Right Where They Should Be For Retirement Savings? - Are baby boomers really behind on retirement savings? Or is the reality that it's natural for retirement savings to be loaded heavily into the final working years, as income peaks and expenses decline when children leave the home? Is it possible that baby boomers are actually right where they should be in preparing for retirement?
MR @ Money Reasons writes Social Freedom, I Am No Longer Bound By Social Norms - Social Freedom, I Am No Longer Bound By Social Norms! Find out how I now consider myself free form social norms, and why this is desirable!
Tushar @ Finance TUBE writes What are Credit Unions?? - Not for the Profit Cooperative Credit Unions are not for the Profit Cooperative serving groups or members who have something in common such as employment in a company, membership in an association or residence in a particular Geographic area. More than 82 millions of US citizens are members of Credit Unions.
Robert @ My Multiple Incomes writes August 2012 Multiple Income Stream Report - Like I mentioned above, you can see that August was a much more normal month for me and my sites. What I like about this report the most is that it really highlights multiple income streams. Check out how my income breaks down as a percentage by category:
Robert @ The College Investor writes Is Apple's New Smaller iPad a Sign of Weakness? - If I were an Apple shareholder, I would be concerned about Apple’s position on the defensive. For years, Apple has maintained premium pricing and a near “luxury” position in consumer electronics. Should Apple spread itself too thin to target lower margin sources of growth, expect future multiple compression. A high profit margin is indicative of earnings quality and resiliency; declining profit margins imply the company is working too hard to grow its bottom line.
Little House @ Little House in the Valley writes SMART Goals Across the Spectrum - I first read about the SMART goal setting process on a few other Yakezie personal finance blogs but I never really used this method for myself. Once I revised the goal spreadsheets for my e-book, I went ahead and tested it out helping me really focus on saving money
Corey @ Steadfast Finances writes The US Middle Class is Losing the Labor Competition with the Middle Class of the World - Find out how the US middle class is failing in comparison to the rest of the world.
SBB @ Simple Budget Blog writes Did Summer Keep You From Budgeting? - Find out how to balance enjoying yourself in the summer and sticking to your budget. I think you will find simplicity is key.
PPlan @ Provident Plan writes Starting a Budget - Budgeting is an important financial tool to accomplish what you want. Start prioritizing your spending and save up for what you really want to do, like travel.
Ashley @ Money Talks Coaching writes 11 Things You Should Do With Your Money - Ever think What should I do with my money? No? Is it more like Where did all my money go? Either way here is a list of 11 things you should do with your money!
A Blinkin @ Funancials writes My Sincerest Apologies To Mark Zuckerberg - I’ve been kinda hard on Facebook recently and most of it has been unwarranted. Facebook has lost about half of it’s value since it’s IPO earlier this year, but who’s fault is that? The people that have been most affected by (and responsible for) this drop have no affiliation with the company.
SFB @ Simple Finance Blog writes Maternity Leave in America - “We made a mistake on your paperwork,” the woman from the HR department at my work said in the most inanely chipper voice. My baby girl was a mere seven weeks old, and I hadn’t gotten a decent night’s sleep in nearly two months, so her peppiness – just as much as her words –...
Investor Junkie @ Investor Junkie writes What Do Bond Ratings Mean? - When deciding which bonds to invest in, it can be tempting to chase a high yield. After all, that means that you have the chance to earn more money, right? The higher the yield, the more money you get from the bond. Unfortunately, simply relying on a bond yield can be problematic. Instead of making a decision based only on bond yield, look at the ratings as well. Bond ratings can help you determine the likelihood of default.
Jon the Saver @ Free Money Wisdom writes Top 10 Cheapest Activities to do with the Kids this Summer - Did you know that there are tons of cheap summer activities you can do with your family? With a little creativity, summer can be quite cheap!
MMD @ My Money Design writes Retirement Income Planning with Author Daniel Solin - Wouldn’t it be great to use as much as 5.5% for a withdrawal rate for your retirement income planning? According to author Daniel Solin, we may be able to use an indicator to make this a reality!
Ted Jenkin @ Your Smart Money Moves writes The Best Financial Move A Young Adult Can Make Get A J-O-B! - I just had a birthday last week which always gives you a chance to take stock on where you are and where you are going.
CAPI @ Creating a Passive Income writes A Real-Life Story of Passive Income - Have you ever thought about how people are generating passive income? Is it all just a hoax or are there actually people sitting on the beach
Shawanda @ You Have More Than You Think writes My Top 10 Most Favorite Frugal Things (An Update) - In early 2010, I shared My Top 10 Most Favorite Frugal Things. A lot has changed since then.
Miss T. @ Prairie Eco Thrifter writes Pros and Cons of Paying Off Your Mortgage Early - Make sure you look carefully at your own situation before making the decision to get that ‘monkey on your back’ paid off sooner or not.
Rich @ Growing Money Smart writes Why Being Rich Is Not The Same As Being Upper Middle Class - Being rich or making more money than the average person doesn't make you automatically "upper middle class"! See if you agree!
Peter @ Bible Money Matters writes Motif Investing $150 New Account Bonus: Create Diversified Stock Portfolios without Expense Ratios - Essentially Motif Investing can be a great way to buy a diversified set of stock holdings at a lower cost. You can create a nice dividend portfolio or other bundle of stocks without the added costs.
Everything Finance @ Everything Finance Blog writes Investing: One Motif at a Time - Motif Investing might help you see investing in a different way. The company is a fast-moving startup based in San Mateo, California. It’s a unique new platform for investing, and it enables people to invest in things they see all around them in their daily lives. When an investor buys a motif, he or she is buying a group of researched stocks that are related by some common denominator. Investors choose 30 stocks for each motif.
Crystal @ Budgeting in the Fun Stuff writes I Do Not Feel Money Guilt - Stop whining if you refuse to do anything about your current situation. I do not feel guilty about having what I work to have. I do not feel money guilt.
Paul Vachon @ The Frugal Toad writes Frugal Living Made Easy - Frugal living is all about making informed and deliberate choices in how to spend money. In other words, frugality allows me to get more value for my hard earned dollar and who wouldn’t want that?
Jen @ Master the Art of Saving writes Buying Our First House: Other Costs - The house is pretty much move-in ready, but we need to get a couple of pieces of drywall for the garage, get a new cellphone, plumb the kitchen for an ice......
SB @ One Cent at a Time writes 25 Ways to Reduce your Insurance Premium - The article describes various ways to reduce your insurance premium pay out on health insurance, auto insurance, home insurance and life insurance.
Sean @ One Smart Dollar writes The Automatic Millionaire Book Review - One of the most popular personal finance books is The Automatic Millionaire by David Bach. Here is my review on how this book can help you.
Hank @ Money Q&A writes Are You Ready to Invest in a Rental Property? - Invest in a rental property can be an excellent investment, you need to make sure that you enter into it with both eyes open and a clear idea of what could go wrong.
Aloysa @ My Broken Coin writes Work. Life. Balance. Hell. - Currently, I am really juggling things! Read about my struggles to keep everything in the air!
PITR @ Passive Income To Retire writes Buying Dividend Stocks/ETF's - Have you considered buying dividend paying investments? Find out why I chose to do it and how it can benefit you.
Wayne @ Young Family Finance writes Credit Cards - How and WHY You should Use Them - Find out why you should use credit cards and why you could be hurting your finances if you are avoiding them to control spending.
TRL @ The Retired Landlord writes Biggest Mistake in Real Estate Investing - Do you want to avoid the most common mistake in real estate investing? Find out what it is so you can stay clear.
Sustainable PF @ Sustainable Personal Finance writes How Telecommuting Can Save You Money (and Help the Environment) - Today's technology makes telecommuting much easier than it was in yesteryear. Companies recognize work life balance and a growing need to remove cars from the road.
Passive Income Earner @ The Passive Income Earner writes Dividend Income - August 2012 - Like regular clock work, August provided me with another string of dividends. Aside from dividend increases or switching to higher yield investments, the only way to increase your dividends is to invest more money. Over the past 4 months, I was adding to my Computershare and CanStock accounts but this month, I added to one of my REIT holding; Cominar REIT (CUF.UN).
Don @ MoneySmartGuides writes The Rich Are Getting Richer - A recent study found that The Rich (the top 10 Percent incomes) increased their income by one-third from 1985 through 2010. The speed at which incomes increased for those earning more increased at a faster pace over the same time period.
Ryan @ Early Retirement Investments writes An Introduction to Critical Illness Cover - Not familiar with Critical Illness Cover? Then read about this topic to find out!
Corey @ 20s Finances writes Four Tips For College - Here are four tips to help navigate you through your college career and avoid college debt.
krantcents @ KrantCents writes Are Entrepreneurs Born or Made? - Are entrepreneurs born or made? There are so many college classes teaching entrepreneurship, I thought I would ask the question. See I grew up in an entrepreneur incubator! Both my parents had thriving businesses and did not have the benefit of any college classes in entrepreneurship.
Suba @ Broke Professionals writes Would You Boycott Chick-Fil-A? - Chick-Fil-A CEO Dan Cathy pissed off the left when he came out against same-sex marriage, but will a boycott of his restaurant change change anything?
IMB @ Investing Money writes Keeping Investment Fees Low - Find out why investment fees matter and how to evaluate which passive fund is better.
Sicorra @ Tackling Our Debt writes My Adventures in Europe - Traveling between the UK and anywhere in Europe is quite cheap. You can either fly for next to nothing or take the train. Having discovered this I made a plan to...
JP @ My Family Finances writes How Does the Average Family Deal with Increasing Gas Prices - As gas prices shoot into the sky, families seek ways to deal with painful trips to the pump.
Ken Faulkenberry @ AAAMP Blog writes Increasing Portfolio Value: Five Most Important Factors - As investors we all have the common goal of increasing our portfolio value. But how often do we really consider the factors that determine portfolio value. Here are the five factors that affect the value of your portfolio more than any other components.
Daniel @ Sweating the Big Stuff writes What's The Difference Between an Authorized User and a Joint Account Holder? - After Lauren and I joined our finances, next up were the credit cards. Did we want to add her as an authorized user or as a joint account holder?
J.P. @ Novel Investor writes How To Invest In Your 20s - Learning how to invest isn’t complicated. There are no hidden secrets to investing success. It’s just a common sense guide to good financial habits.
Jennifer Lynn @ Broke-Ass Mommy writes The End of Summer Draws Near and a Financial Update - Take a look at my checkbook to see how I'm doing financially! Lurkers welcome!
John @ Married (with Debt) writes What's Next? - Many of you have been asking what we will do with our money now that we are debt free minus the house. This is also something I’ve asked myself. In the short term, I plan on saving every penny to build up an emergency fund of three Thanks for reading the RSS version of What’s Next? which originally appeared at Married (with Debt) Please click through to comment if you enjoyed!
Roger the Amateur Financier @ The Amateur Financier writes Some Tips on Tipping - A guide on how to tip in a way that will ensure good service and allow you to treat those who deserve tips pro
Kanwal @ Simply Investing writes When It Comes to Investing, Should You Ignore the Media? - Should you ignore the media? By media I mean television, radio, magazines, newspapers and internet news, and financial analysts. When it comes to investing your hard earned money, the answer is “yes”! If you want to invest successfully you need to learn to ignore the media, there is just too much noise out there.
Invest It Wisely @ Invest It Wisely writes 5 Ways to Keep Expenses Low as an Entrepreneur - Read these 5 ways to keep expenses low as an entrepreneur, see if you are skipping any savings!
J.P. @ Novel Investor writes How To Invest In Your 20s - Learning how to invest isn’t complicated. There are no hidden secrets to investing success. It’s just a common sense guide to good financial habits.
Eddie @ Finance Fox writes Don't Let Fear Sucker You Into Payment Protection - Financial institutions love to use fear in order to sucker people into signing up for products or service that you really don't need.
Daisy @ Add Vodka writes How To Stop Being a Pushover - I wrote a guest post for Cordelia Calls it Quits early this year about quitting being a pushover.
Maria @ The Money Principle writes Four reasons for not automating our car and home insurance - Automating bills is a great time saver but it can also make us neglect information. Here are four reasons not to automate car and home insurance.
Tushar @ Start Investing Money writes How to Buy Private Stock - Most people are aware that it's possible to buy stock in various companies with the hope of it going up in value. However it's not correct to say that all stock is the same. There are two types of stocks - public and private stocks. Public stocks are the ones most people are familiar with.
Jason @ Work Save Live writes Why Are Credit Cards Bad? - Are Credit Cards Bad? For years of my life I swallowed that large Dave Ramsey pill. I’m not going to lie, I learned how to budget, build up an emergency fund, started saving for retirement, and we began slowly working our way out of debt.
BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes HOW TO GET A BIG PAY RAISE WITHOUT USING THE BRIEFCASE TECHNIQUE - A unique way to get a big pay raise in any economy.
Jester @ The Ultimate Juggle writes How Many Vacation Are Too Many Vacations? - I've been vacationing too much this year, and it's showing, ready my views on too much vacationing!
harry campbell @ Your Personal Finance Pro writes AMEX Twitter Sync Promotion: How I Turned $180 at Best Buy Into $200 in Amazon Gift Certificates - After two years of churning credit cards for sign-up bonuses, I’ve amassed quite a collection of cards. I’m almost embarrassed by how many I now have, but one great benefit of having so many cards is the ongoing promotions. With some companies you might save a couple dollars here, or get a discount there, but one company stands above the rest when it comes down to promotions for current card members: American Express.
Amanda L Grossman @ Frugal Confessions writes Financially Limiting Your Partner - This is a difficult topic to cover. I’ve hesitated each time I have attempted to write this article over the last six months. Read why you may have to limit your partner!
Jeremy @ Modest Money writes On The Road Again - Managing Your Finances On Your Travels - Life on the road can wipe out your life savings in what seems like no time at all. However, there are a few ways to reduce your costs so that you can travel for longer on less money, making your return that little bit easier.
Deacon @ Well Kept Wallet writes Sell Unused Items to Pay Off Debt - When you are trying to get out of debt selling items around the house can help out tremendously. There could be multiple items sitting in closets, cabinets or storage rooms that could be sold to help expedite paying off your debt. Here are some guidelines that I used when selling items to become debt-free.
Michelle @ See Debt Run writes Coming Up Roses - Everything is coming up roses over here in our snowball debt reduction. How we made $50,000 by signing one piece of paper.
