Welcome to the Carnival of Money Pros — March 9, 2014. And happy Daylight Savings Time. If you don’t live in Arizona, Hawaii, Puerto Rico, the Virgin Islands, American Samoa, Guam, or the Northern Marianas Islands, you just had the joy of waking up an hour earlier than normal due to changing from Standard Time to Daylight Savings Time (DST).
We can give thanks to Ben Franklin for suggesting the concept of daylight saving time. The main reason for DST was to save energy. If we could shift the clocks so that we could best use the availability of sunlight during the day, we should be able to cut back on energy use.
The question is, does daylight saving time really save any energy? Environmental economist Hendrik Wolff, of the University of Washington, co-authored a paper that studied Australian power-use data when parts of the country extended daylight saving time for the 2000 Sydney Olympics and other parts did not. The researchers found that the practice reduced lighting and electricity consumption in the evening but increased energy use in the now-dark mornings—wiping out the evening gains. Another study in Indiana used the fact that prior to 2006 only 15 of the state’s 92 counties observed daylight saving time. So when the whole state adopted DST, it became possible to compare before-and-after energy use. While use of artificial lights dropped, increased air-conditioning use more than offset any energy gains, according to the daylight saving time research Matthew Kotchen led for the National Bureau of Economic Research in 2008.
I personally like DST and would vote to make it permanent year round if given the chance.
So, now that we are all sleep deprived due to the switch to DST, I give you the Carnival of Money Pros — March 9, 2014.
Ted Jenkin @ Your Smart Money Moves writes Five Tips For Ordering Wine When You Dine Out – We’ve all had that dinner where you go out with someone who is truly a wine snob. Or so they think.
Eva Baker @ TeensGotCents writes $1,000 Challenge – Eva and Work Expenses – Mom is still trying to cut $500 from our monthly budget.
Don @ MoneySmartGuides writes The Ultimate Guide To Retiring Early – Do you want to quit the rat race and retire early? This post walks you through the steps of retiring early.
CAPI @ Creating a Passive Income writes Become more productive in your business – In this brief article, you will find some productivity tips in response to some frequently asked questions. Find out how you can be more productive.The post Become more productive in your business appeared first on .
Brent @ PersonalFinance-Tips writes Saving Money: Ways To Bring Your Water Bill Down – The water bill can take up a large portion of your household budget. There are several ways to bring your water bill down so that you can save money. The following tips are simple, yet they can make a big difference on the monthly bill. Showering Switch to a new showerhead. Many older models can use up to 5.5 gallons per minute.
Mike @ Personal Finance Journey writes The 5 Signs you Need a New Real Estate Agent – In order to win at Real Estate your best resource can be your Agent. But do you know the The 5 Signs you might Need a New Real Estate Agent?
Dominique Brown @ YourFinancesSimplified writes Reader Question: Convertible Bonds – If you have questions about your finances, you are not alone. In fact, here at Your Finances Simplified we often receive financial questions from our readers. Larry, for example, has a question about convertible bonds. I was reading this magazine and came across this thing called convertible bonds.
Mrs. Accountability @ Out of Debt Again writes How Much Should You Pay Your Affiliates? – This is a question you might come across if you begin selling a product of your own.
Cat Alford @ Budget Blonde writes We Love Our Frugal Renovation – Right now, the hubs and I are staying next door to his parents, and we love the frugal renovation they did to get it ready for us!
Debt Guru @ Debt Free Blog writes Early Retirement: Is It Right For You? – Deciding to retire early is not a decision to be made on a whim. There are many factors that play into early retirement. Is early retirement right for you?
Roger the Amateur Financier @ The Amateur Financier writes How Should You Handle Receiving a Sizable Lump Sum of Money – A guide to how to handle lump sums of money, such as lottery winnings or tax refunds, putting them towards debt payments, emergency funds, and investing.
Crystal @ Budgeting in the Fun Stuff writes Growing Another Side Hustle – Pet Sitting! – I’ve started to feel stagnant in the last few months. Usually that means that I need to tackle something new (as you’ll see below).
Lauren @ L Bee and the Money Tree writes Practicing Conscious Spending – Conscious spending rocks my socks off. Are you a budgeter or a conscious spender?
Crystal @ Married (with Debt) writes Personal Finance is a Middle Class Escape Plan – I don’t know what more to say than this – saving money for retirement is boring. I am losing my mind from it. But personal finance is an escape plan.
Wayne @ Young Family Finance writes Reuse, Not Refuse: Five Items to Repurpose to Save Money – Why throw out day-old bread or rancid olive oil when you can change them into something useful? Here are five things to repurpose rather than throw out.
Luke @ Learn Bonds writes Three Solid Income Stocks For 2014 – Here are three tasty dividend-paying stocks that can boost your income without taking on too much risk.
Bargain Babe @ BargainBabe.com writes Monday Freebies – Free Chocolate – Monday Freebies – Free Chocolate offers tips on saving money every day.
Jacob @ AllPersonalFinance writes Extra Cash: Five Ways to Get Paid Without Leaving Home – In today’s economy, many people find they could use a little extra cash. Whether you need more money to meet your basic expenses, or you’d just like some additional spending money, there are many ways to accomplish this without getting another job. Here are some ideas to help you start thinking creatively.
Hank @ Money Q&A writes How To Get Rewards When Spending With Your Business Credit Card – Business credit cards have developed a whole line of innovative programs, offering multiple ways to earn valuable rewards. Credit card companies often use rewards and bonuses to attract clients.
PPlan @ Provident Plan writes Cash Now vs Slow Annuities: Why the former is better? – If you have been injured in an accident or you have won a worker’s compensation claim or you have won a settlement for the wrongful death…
Maria @ The Money Principle writes Fail proof business models – Thinking of starting a business of a side hustle? Here are three fail proof business models you will find useful.
Tony @ We Only Do This Once writes The 10 Commandments for Credit Card Holders – Anything in life that’s worth taking seriously comes with a strict set of rules, and there are very few things in life that we must take as seriously as credit cards!
Suba @ Broke Professionals writes Accumulate points and miles 2X faster with the Rapid Rewards Card – Accumulate points and miles 2X faster with the Rapid Rewards Card is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. If you fly regularly with Southwest Airlines, having a credit card that lets you accumulate points and miles for those flights might be helpful.
Mr. Frenzy @ Frenzied Finances writes Elder Advice: 5 Finance Lessons from Grandpa that Still Make Sense – Although the national debt continues to grow, more people are learning to gain a new perspective on their money and acquire old fashioned finance habits.
Lindy @ Minting Nickels writes Can You Make Decent Money Online? – True, you’ve heard a lot about how one can make money online. True, you’ve tried, failed, and have tried again, only to fail again.
IMB @ Investing Money writes The Financial “Butterfly Effect.” – The “Butterfly Effect” is a theory that postulates that a small change in the initial condition of a system causes a chain effect that can change the outcome of an event. The example often used is that a butterfly flapping its wings in South America can affect the trajectory of a hurricane headed for Texas.
Chuck @ Tortoise Banker writes Guide to Getting Rid of Car Payments Forever – hat if instead taking out a loan ever time you need to buy a car, we put into action a proven plan used by millions of successful Americans to avoid car payments all together?
Emily @ Evolving Personal Finance writes The Danger of Side Hustle Income – When you bring in extra income you have to be very careful to not inflate your lifestyle.
Michael @ Save-Invest-Grow writes Wealth Building Tip: Avoid Lifestyle Inflation – The post discusses the concept of “lifestyle inflation” and what you can do to avoid it. It talks about how simplifying what you value can have a great impact on the financial choices you make.
Jen @ Master the Art of Saving writes 10 Ways to Save More Money (Even If You Don’t Want To Be A Couponer) – Couponing for the last 5 or 6 years has taught me many things. Things I never really paid attention to before I started using coupons. Since not everyone is interested in learning about coupons or even extreme couponing, I thought I would share some of my enlightenment with you all.
PFC @ PF Carny writes Does Couponing Really Save Money? – Depending on how you do it and how into it you get, it can be either bad or good. Does couponing really save you money? It can, but it can also cost you money at the same time.
Adam @ Stop Worrying About Money writes Day 2 – Create An Emergency Fund – Today, we are going to talk about budgeting for the unbudgetable — uncommon emergencies that crop up from time to time that haven’t been accounted for in your budget.
Charles @ Getting A Rich Life writes The Advantages Of YOLO In Your Finances – People who have YOLO in their finances and carefree often don’t worry about what everyone else does.
Sustainable PF @ Sustainable Personal Finance writes Do You Put Your Ideals Ahead of Your Pocketbook? – There are times when adhering to your ideals is cost-efficient. Not everything is like that, however. There are times when your ideals can cost you money.
Jason @ The Money Makers writes Does Amanda Bynes Need a Conservatorship? – The publicly documented downward spiral of Amanda Bynes may be reaching its breaking point.
Alexa @ Defeat Our Debt writes How to Get Rid of Debt on Your Own – There is no easy way to get rid of debt. You have several options, each come with their own set of pros and cons. Here is how to get rid of debt on your own.
Alexa @ Single Moms Income writes 5 Money Making Ideas for Stay at Home Moms – Being a stay at home mom has a lot of rewards for a mother, but most women think this means sacrificing an income or even a career. This is simply not true.
Natalie @ Debt and the Girl writes I Got to Meet my Savings Idol – Its funny how thing happen sometimes. You can meet the most random of people in different places. I had this happen to me over the weekend. I was able to meet my savings idol and that was Clark Howard.
Larry @ KrantCents writes Start an Online Business Today; Feel Accomplished Tomorrow – How can success be measured? Are you successful once you earn a certain amount, attain a fancy title, or put down a deposit on a four-bedroom house?
Monica @ Monica On Money writes 7 Better Ways To Spend Your Tax Refund – If you are getting a tax refund this year, it is time to make a plan on what to do with the extra money. Otherwise, without a plan, who knows where all that money will end up.
Aaron @ Aaron Hung writes How to pay for College? Why not use a Roth IRA – If you are hoping that your children will go to college Sunday, you have more than likely thought about the best way to put money aside to pay for it.
Justin @ Edward Antrobus writes Considering ETFs? Here’s How to Get a Good Deal – ETFs can be purchased practically anywhere you can buy a stock, either through a broker, or a brokerage account.
Marissa @ Thirty Six Months writes Peace of mind is the most important financial asset – Whether you are struggling to make ends meet or you are comfortably off and looking to invest, you cannot underestimate the value of having peace of mind.
Marissa @ Finance Triggers writes Are You Financially Ready To Have A Baby? 5 Questions To Ask Yourself – Having a baby, and starting a family can be an exciting time in your life. However, bringing a little one into this world can be challenging, both emotionally and especially financially.
Sam @ The New Business Blog writes Basics about the new Home Office Deduction for 2014 – There is a new, simpler home office deduction this year that could very well save you a lot of time but, in most cases, it will not save you as much as money as the long form that everyone despises.
Katie @ IRA Basics writes The Secret of Saving for Your First Deposit – Are you ready to become a homeowner and do not fancy a no-deposit home loan? Then the biggest obstacle standing in your way is the first deposit or down payment.
Bob @ Dwindling Debt writes Protect your Tax Refund from Identity Thieves – What could be worse than having to file your taxes this year? How about having an identity thief steal your tax return check?
Lily @ Paying Debt Down writes A Few Reasons that Investors like ETFs – In recent years, ETFs have become much more popular and are actually gaining against some other, more mature mutual funds. The reasons for that gain in popularity are explained below.
Andrea @ So Over This writes Getting the Most Out of Your Children at Tax Time! – When it comes to school, grades and sports, all parents hope that their children will be a credit to their name. At tax time however, this can literally be the case.
Hadley @ Epic Finances writes Would investors be better off purchasing Bond ETFs right now rather than Stocks? – Many investors across the country are moving their money and investments from stocks over to bonds. The question that many investors are asking right now is simply this; should I be doing the same?
Lenny @ Best Money Saving Blog writes What to Consider Before You Buy a Home – The American dream of home ownership simply will not go away. You would think that there never was a credit crisis even though it was not that long ago that we were bombarded on a daily basis with stories about underwater mortgages, foreclosures and crashing prices.
Amy @ Money Mishaps writes Have a childhood savings bond? Here’s what you can do it – Although it was not always a welcome gift, many children got savings bonds for birthdays and other holidays. The goal behind them, in most cases, was to have something ready when it was time to pay for college.
Jack @ Money Saving Ethics writes Moving? Make sure you protect yourself, not just your furniture – Did you know that moving is consistently ranked as one of the top 5 biggest stressful events in a person’s adult life? It is true, but while moving is definitely bad enough, being scammed by your moving company is probably a bit worse.
Matt @ Budget Snob writes Over 40? Never too Late to Save for Retirement – From a retirement planning perspective, the decade between your 40th and 50th birthday is a time when, if you have not started saving for retirement, you definitely should.
Danielle @ Saving Without a Budget writes 50 Tips to Improve Your Financial Health in 2014 – Part Six – We finish off the serious with 5 more tips. Enjoy!
Jay @ Daily Fuel Economy Tip writes With Winter Comes Poor Gas Mileage – Have you been thinking that your car’s fuel economy has been lower over the last few weeks? If you have, it is not your imagination. It is just the fact that, in winter, your fuel economy usually does go down, at least a little bit and in some cases quite a lot.
Oscar @ Money is the Root writes Debt Consolidation Plan of Attack! – Dealing with debt is no laughing matter, nor is it an easy one! There is discipline to getting out of debt that is much more difficult to master than the art of getting into debt in the first place.
Daniel @ Make Money Make Cents writes 5 Excellent Home Investments for 500 Bucks or Less – If you are wondering what to do with your tax refund this year, we have 5 home investment ideas for you that cost less than $500 but will give you a very good return on your money.
TJ @ WordPress writes Credit Cards – Good Or Evil? – How to effectively, and safely, use credit cards.
Mario @ Adventures in Frugal writes Is frugality sexy? – Frugality has certainly been called many things, but rarely sexy; here’s why I think that line of thinking should be given a second look.
Brian @ Christian Money Planner writes Debt Is The Mother Of Four Letter Words – Is debt really that bad?
Glen @ Glennalicious.org writes Starting A Blog – A Guide To Setting Up Your Blog For Free – The internet has become the easiest path to financial independence for many entrepreneurs. From revolutionary technology companies to freelance writers to bloggers, there are many ways to make money online. Check out our guide to setting up a blog for free – it could change your life!
Christopher @ This That and The MBA writes Short Term Loans and How to Use Them to Your Advantage – Short term loans are considered secured while long-term loans are unsecured. A secured loan means paying lower interest rates while the latter would require you to surrender some assets, if in case you cannot pay the agreed amount indicated in the contract.
Cat @ Budget Blonde writes We Love Our Frugal Renovation – Right now, the hubs and I are staying next door to his parents, and we love the frugal renovation they did to get it ready for us!
Jacob @ Cash Cow Couple writes Betterment Investing – Betterment offers an excellent investment management service that is based on modern finance theory
Gabe @ Taxes 101 writes Tax Preparations – Tax season is just around the corner, so make sure to file your return properly.
Jon Haver @ Pay My Student Loans writes Financial Aid for Older and Non-traditional Students – These days, you can attend college and university at any age, people don’t have one career but a few, and often older adults will return to school to complete a degree they began working towards as young adults.
Jeremy @ Modest Money writes Investments and information: A Newbie’s Approach – Do you need help with newbie investments? Figuring out how to get started can be extremely challenging. Learn how to properly put information to use.
Josh @ myFICO writes The Who, Why and How Behind Your Credit Health – Credit reports are track records of how each entity has handled their debts in the past and they were born from a genuine need for a way to gauge the creditworthiness of consumers, businesses, and even entire countries. They made loans more profitable because lenders could get a good idea of the financial history of those they were giving loans to. Since it takes quite a bit of time to go through and analyze a credit report, FICO, came up with a computer algorithm that could automatically anal
Bryan @ Gajizmo writes Guide To Making Money From Home – The internet has revolutionized the way stay-at-home parents can become entrepreneurs. Ten years ago, making money online via blogging was difficult and almost unheard of. Now, anyone can leverage their tech savviness to earn a living. Learn legitimate and easy ways to make money from home.
Little House @ Little House in the Valley writes Goal Setting Strategies for the Scarlett O’Hara’s of the World – For those of us who put off goals that seem too difficult or require some tough decisions, there is hope. It’s taken me quite a while, years really, to become proficient at setting goals that I’ll actually accomplish, even “big, life changing” goals that take a lot of gumption. The secret is very simple:
Miss T. @ Prairie Eco Thrifter writes Don’t Be a Buy-It-New Snob – For me, going to sales is not just a means to find things I need at rock bottom prices, it is also entertainment.
Mark Ross @ Money Saving Dude writes 20 Easy Ways To Save Money And Energy At Home – Are you having trouble saving money at home? If you are, then these easy to do money saving tips might help you in reducing your electric and water bills at home.
Mr.CBB @ canadian budget binder writes Do you need financial motivation? – Financial motivation doesn’t normally just jump into your head when you wake up in the morning. Motivation for many typically happens because something is either wrong or you want to make changes to your life.
eemusings @ NZ Muse writes Career progression and climbing the ladder – How do you identify companies that promote growth from within
BFT @ Budgeting For Travel writes Making Money By Teaching English Overseas – There are many countries that want teachers to teach the English language. It seems like all the time I log into Facebook and see that a new Facebook friend is leaving the country to teach English in a foreign country.
724Credit @ 724 Credit writes How to Find the Cheapest Flight – When was the last time that you bought a flight? I’m going to guess that you probably almost fainted because of the prices that are out there!
GenY @ Gen Y Finances writes 5 Ways To Reduce Your College Costs – College is expensive. I don’t know many people who would say otherwise. According to BigFuture, the average annual tuition cost for an in-state student at a public four year college is $8,655. For out-of-state students, that figure jumps to $21,706.
Harry Campbell @ Your PF Pro writes Diversify Everything – “Whenever I hear someone get really excited about their latest investment, I tend to think the worst. It’s not that I don’t want that person to succeed but I usually worry they’re making a big mistake. Any time I see a friend buy a house, I wonder if they spent more than they can afford. Any time I see a friend buy a new car, I hope for their sake that they paid cash and aren’t going to have an egregious car payment every month on a rapidly depreciating asset. ”
Mr. 4HWD @ The Four Hour Work Day writes Save Your Passions for Later on in Life – I don’t think that saying even existed 40 years ago since most of our parents by no means followed their passion. But it is a saying that I hear thrown around a lot these days. Everyone seems to think you can follow your passion and be successful. Well unless your passion happens to coincide with a viable business opportunity, you’re probably not going to be that successful(by most measures of success).
Jessica Moorhouse @ Mo’ Money Mo’ Houses writes 5 Actors You Didn’t Know Were Crazy Rich – The other day at lunch, some co-workers and I were talking about some actors who were surprisingly crazy rich. Yes, I know most actors already make millions of dollars for shooting films, commercials, and endorsing products, but these actors in particular are really, REALLY crazy rich.
I hope you enjoyed reading these posts as much as I did.
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