Carnival of Retirement, April 28, 2014

relaxing-beachWelcome to this week’s Carnival of Retirement. I hope that everyone visiting who is not retired has been making use of all retirement saving and investing vehicles that are available. This includes 401(k), 403(b), Roth IRA, traditional IRA, SEP-IRA, etc. If you are not maxing out your retirement contributions, then you have a goal: earn more money and reduce costs so that you can max out your contributions. I know this is not nearly as easy as it sounds, but perhaps with some coaching from the articles in the Carnival, you can get there.

If you are retired, congratulations. I hope you are here to learn more about personal finance. There are lots of interesting personal finance articles to choose from.

CAPI @ Creating a Passive Income writes The Political Pull: How Political Decisions Can Affect Your Finances – Aspiring efforts for financial success from small and big businesses alike are greatly affected by political decisions. Learn how politics affect you.

Kyle @ The Penny Hoarder writes 23 Expert Ways to Save on Your Gas Bill – We’ve gathered the best tips on how to spend less on gas from various experts. You can save hundreds of dollars on gasoline by using even a few of these twenty-three suggestions.

Debt Guru @ Debt Free Blog writes Learning Finance? The Truth About Financial Classes – For many individuals, taking financial classes is the best way to gain control of financial situations. What do people benefit from this?

Hank @ Money Q&A writes The New Retirementality by Mitch Anthony – You’re Thinking About Retirement Is All Wrong! – Mitch Anthony makes the case that the retirement of our parents isn’t, and shouldn’t, be our ideal of retirement in his book, “The New Retirementality”.

Dominique Brown @ YourFinancesSimplified writes What is a Mortgage? – Don’t laugh! Some people truly don’t know the details about mortgages and mortgage payments. If you rent, you simply may not have had the opportunity to learn the ins and outs of mortgages. Now, you probably know that a mortgage payment is your house payment. You take a loan to purchase your home, and you.

Ted Jenkin @ Your Smart Money Moves writes Are The Elite Private Colleges Worth The Price Of Admission? – It is apparent that college education costs and health insurance are the two arenas that have defied gravity over the past six years through this recovery.

Mr. Frenzy @ Frenzied Finances writes The Art Of Giving: 10 Homemade Gifts That Impress – With the holidays and birthdays, gift giving never seems to stop. It can add up. It might be time to consider making gifts yourself! Here are some ideas.

Don @ Money Reasons writes Boosting Your Income: How to Earn Money on the Side – Here are some great tips on way to make extra money on the side to your normal sources of income!

Mike @ Personal Finance Journey writes Top 10 Alternative Investments with High Returns – 10 Alternate ways of investing with with high returns that you may not have considered.

Roger the Amateur Financier @ The Amateur Financier writes The world of finance – how to get started and stay on top – The world of finance professionals has never exactly been one that the Brad Pitts, Meryl Streeps, Johnny Depps and other bastions of glamour are known for.

Rich @ Growing Money Smart writes Financial Myth about smart kids are always successful no matter how they start out – There is a myth that smart kids will be successful no matter who they start life or what training the get as youths. From my observation in life, this in incorrect.

Michelle @ The Shop My Closet Project writes Financial Close Calls-Changing My Financial Focus From Debt to Savings – Let’s start from the beginning. About two weeks ago I woke up on a Sunday morning needing to visit the bathroom (hey, we all do this). I step inside my bathroom and my feet sleep in what I can only describe as an alarming amount of water. Read how I handled this finanicial issue.

Wayne @ Young Family Finance writes Are You Making These Job Application Mistakes? – Job seekers often focus a great deal of time and energy into perfecting their interview skills. However, your application is the first thing potential employers see. In order to make it to the interviewing stage, you need to make an impression with your resume and the application you submit.

Maria @ The Money Principle writes A Guide to International Money Transfer – A consice guide to international money transfer which is often part of our lives in today’s globalised world.

Suba @ Broke Professionals writes The Costs of Moving – Part One – The Costs of Moving – Part One is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. Americans move on average once every 12 years, according to the 2009 National Association of Home Builders data. It costs to move.

Corey @ Steadfast Finances writes Finance101 for School Leavers: What Schools Don’t Tell You – If you’re leaving education straight out of school, instead of going to university, two things are certain: you’ve got three years to get ahead of your friends who are going to university, meaning you could potentially be on a higher salary by the time they enter the job market.

SBB @ Simple Budget Blog writes Why You Should Budget Your Groceries – Some of the important reasons why groceries need to be part of a household budget.

Crystal @ Budgeting in the Fun Stuff writes The Convenience of Credit Card Debt – Credit card debt is not always bad, read more to learn about the convenience of such a financial instrument.

IMB @ Investing Money writes The Fed’s New Policy Changes. What are they Telling Investors? – Could the Fed’s new policy changes signal the end of the bull market? It’s time to step back and analyze what took place this week.

Don @ MoneySmartGuides writes Why You Need To Start Investing Now – I’m sure you’ve heard it before, you need to start investing for your future. You’ve probably heard it so many times that you just tune it out now.

Harry Campbell @ Your PF Pro writes Book Review of the White Coat Investor and Giveaway! – It was right around this time one year ago when we found out that my fiancee had gotten into medical school. She had always dreamed of becoming a doctor and now she was one step closer. For those of you not familiar with the process, just applying to medical school is an arduous task. It’s like applying for college all over again but it takes way more time and it’s way more expensive. There are applications to fill out, the MCAT to study for and(if you’re lucky) interviews all across the c

Mr. 4HWD @ The Four Hour Work Day writes Sacrifice Only if You’re Growing – When I see people working late or working overtime I get depressed. It’s one thing if you’re young and you’re full of energy, enthusiasm and a willingness to learn. But it’s another thing when you’re older, overworked and been doing it for 20-30 years. Even though I don’t work more than 40 hours a week at my day job, when I get home I spend at least 2 to 3 hours every single night working on my side hustles. In a way, I’m just like those people at work except I’m working overtime

Mario @ Adventures in Frugal writes Financial literacy is teaching me the true meaning of freedom – Frugality is often misunderstood; it isn’t about having less, but about having more

Andrew @ Finance with Reason writes Stop the Madness! 3 Reasons to stop watching “Mad Money” on CNBC – Jim Cramer says that investors should “do their homework” before making investments, but the excitement and pace of Mad Money leaves a different impression.

Daniel @ Make Money Make Cents writes Retirement Fund Sustainability | Will My Retirement Monies Run Out On Me? – Retirees are savvy individuals who have already put in the time and effort to develop their nest-eggs.

Jay @ Daily Fuel Economy Tip writes How to Avoid Getting Ripped Off by Your Mechanic – You know how to fill up your gas tank, how to turn on your car, and how to push your brake and gas pedal to stop and go. Unfortunately, though, that is about as far as your car expertise goes — and the mechanic knows it.

Oscar @ Money is the Root writes Cutting Those ‘Extra’ College Costs Down to Size – If you have a child in college, and you have got their college tuition and room & board under control, pat yourself on the back because you are doing better than most, but don’t sit back and put your feet up on the desk just yet.

Danielle @ Saving Without a Budget writes What’s Deepak Chopra’s secret to making money? Knowing the difference between money and wealth – Welcome to April, National Financial Literacy Month. It’s the best month of the year to start working on your financial future, focusing on your financial health and making sure that, financially speaking, everything is hunky-dory.

Matt @ Budget Snob writes Is there anything a taxpayer can do to avoid the Alternative Minimum Tax? – It is estimated that nearly 4,000,000 American consumers will get stuck paying the Alternative Minimum Tax this year, more commonly known as the dreaded AMT.

Jack @ Money Saving Ethics writes Accelerating My Retirement | How Can I Retire Faster? – There are definite methods to accelerate retirement. There are tips, tricks, plans and procedures to engage that can shave loads of time off your retirement age, but you have to understand some rather bleak facts first.

Amy @ Money Mishaps writes Organization is the Key to a Less Stressful Divorce – Frankly, getting divorced usually means a lot of difficulty and emotion. We can’t really help you with the emotional side of divorce, but when it comes to reducing your stress financially, we can tell you that being prepared and organized is one of the best ways to do it.

Lenny @ Best Money Saving Blog writes Obama’s New Budget Proposal Bad News for Consumers Unprepared for Retirement – Experts are saying that the budget for 2015 proposed by President Obama will be an absolute disaster for millions of Americans who are not fully prepared for retirement.

Hadley @ Epic Finances writes What’s the secret behind top-performing mutual funds? Just ask Joe Huber – When it comes to owning mutual funds, nearly half of the households in the United States own them today, according to the Investment Company Institute.

Andrea @ So Over This writes Finance Careers in the Future: The Forecast is Good – Although the finance industry was hit a couple of years ago with the economic problems the world faced, it’s making a comeback.

Lily @ Paying Debt Down writes Tax Fraud due to Identity Theft on the Rise – How to Protect Yourself – It was recently reported that billions of dollars are being stolen every year by identity thieves filing fraudulent tax returns.

Bob @ Dwindling Debt writes Are you the Victim of Identity Theft? Check the Signs – Nearly 17 million people were victimized by identity thieves in 2012 according to the US Justice Department, including 40% who were victimized through their credit cards and 37% through their bank accounts.

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.

Sam @ The New Business Blog writes Creating a Stylish, Practical and Attractive Catering Establishment – Any catering business understands the Health and Safety requirements to keep all their fresh products properly refrigerated.

Marissa @ Finance Triggers writes How to Get Out of Debt And Stay There – There are more people in financial debt today than for a very long time. Given the still lingering recession, this is perhaps unsurprising.

Marissa @ Thirty Six Months writes PayPal Makes It Easy to Not Carry A Wallet Anymore – There are very few luxuries that I have a hard time giving up – my Starbucks App is one of them. Not only does it make is easy for me to track all my points, but I don’t have to carry my wallet when I step into any Starbucks location.

Justin @ Edward Antrobus writes College Courses that Help Grads Find Jobs – One of the major concerns of young people everywhere is that, once they graduate from college (if they graduate at all) the job market is going to be extremely tough.

Aaron @ Aaron Hung writes Don’t Make These Mistakes When Withdrawing Money for your Retirement – There are certainly plenty of ways to keep as much of your hard earned money from Uncle Sam as possible using the tax codes.

Monica @ Monica On Money writes Life Happens (Have a Plan!) – This month I have focused on writing about being prepared for the unexpected. We all know that Life Happens, and usually when we are already busy and stressed.

Larry @ KrantCents writes How Much Money Do You Need to Retire? – How much is enough to take care of you for the rest of your life? Do you have a number? Does it cover inflation, medical insurance and all your needs and your wants?

Natalie @ Debt and the Girl writes Making Bad Emotional Decisions – I had all but forgotten about the minor stint I had as a student who was taking classes to become a certified life coach, as it was a fairly minor stint at that.

Alexa @ Single Moms Income writes Overqualified: How to Get Around the Enigma – No one ever thinks that a job interviewer would turn them down for being too qualified for a position.

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.

Charles @ Getting A Rich Life writes How To Improve Your Savings Rate-Benchmark It – How to improve your savings or retirement by having benchmarks. Short term benchmarks will improve your savings.

Cat @ Budget Blonde writes 4 Things Freelancers Can Do to Make Yourself More Valuable – As a freelance writer I often face a lot of competition — from very smart and talented freelancers.

Danielle @ TeacHer Finance writes Six Must-Dos As A Responsible Renter – Renting an apartment or single-family home requires renters to make short-term commitments. Just as landlords are responsible for maintaining their rental properties, tenants are obligated to fulfill the terms of their leases.

Justin @ iPlugin writes Finance Apps That Are Changing How We Manage Money – These days, we can do just about anything at the click of a button. That concept is no different with finances.

Gretchen @ Retired by 40! writes Save 80% by Making Your Own Baby Food! – Making Health, Fresh Baby food is Super Easy and Saves more than 80% over the cost of store-bought food!

Evan @ The Smaller Dollar writes How To Open an Ira – As you now know, you need to open an IRA. You are excited, onboard and ready to go! But one thing stands in your way. How do you actually open an IRA?

Mario @ Debt BLAG writes “I’m not sure if I have retirement savings; doesn’t work do that?” -Tara, a reader case study – I walk through a reader case study to give advice to a reader with a good income, but lots of student loan debt that make her feel miserable

Mark Ross @ Money Saving Dude writes Is Having An Emergency Fund A Need or A Luxury? – For me, having an emergency fund shouldn’t really be considered as a luxury, it should be considered as a NEED. Why? You can see my answer to that question in this post.

Jeremy @ Modest Money writes How to Save Money Around the House – Saving a few dollars on each of your household expenses may seem minute now, but it will add up in the long run. Here are three easy ways to save a buck or two on your household living expenses.

Erastus @ Sprout Wealth writes How to Start a Side Hustle While in a Day Job – Is it hard to start a side hustle while having a day job? I believe it can be done. Following these tips you can do both and make that extra income.

Little House @ Little House in the Valley writes Benefits to a Zero Balance Account – A zero balance account can have several benefits, not the least of which is financial safety.

Miss T. @ Prairie Eco Thrifter writes Which Type of Home Should You Buy? – Here are a few considerations when you are looking at which type of home to purchase:

Mr.CBB @ Canadian Budget Binder writes How to be your own money manager – Becoming your own money manager is something that you should get used to especially if you plan to live as debt free of a life as possible.

Sagdrina @ Fit is the New 40 writes All the Hotties Do Pilates (and drink carrot juice) – About the benefits of women using pilates and carrot juicing

Berlin Summer @ Laser Tech and Laser Safety writes Getting Economy Red Dot Alignment Laser – Red dot projecting alignment laser is able to emit highly visible and bright 650nm red light, which is able to provide high level of accurate red dot on targeted surfaces all the times.

Joshua Rodriguez @ CNA Finance writes Synthetic Happiness and Money – Joshua discusses synthetic happiness inspired by a TED Talk. In this post, he reveals his plans to prove synthetic financial happiness exists.

Thomas @ i need money ASAP! writes How To Find Temp Jobs – If you need money asap and have some extra time then a temp job could be the perfect option for you. This post goes through all the details you need to know to find a temp job.

GYF @ Gaming Your Finances writes We’re Financially Independent (For The Next 3 Months Anyway) – Starting in June my wife and I are going to be financially independent for three whole months and we’re extremely excited!

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