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Carnival of Retirement – Cruise Edition

I was away for about a week with a cruise that I’m posting about in a few minutes, but here is the Carnival of Retirement as planned.


This is not how it looks when it is raining…

It’s a little simpler than I usually go, but check out these great posts!

Michelle @ Making Sense of Cents writes Is A House Right For You? Or is renting better? – It seems like a hot topic in the personal finance community is whether a person should rent or buy a home. What if you’re not sure if a house is even right for you? Maybe an apartment would be better? There are many factors to think about before you buy a home.

Roger Wohlner @ The Chicago Financial Planner writes Choosing A Financial Advisor? Ask These 6 Questions – Deciding to hire a financial advisor can be a tough decision for many investors. Once you make this decision, how do you go about finding the right advisor for you? Here are six questions to ask when choosing a financial advisor.

Michael Kitces @ Nerd’s Eye View writes Do Today’s Guaranteed Living Benefit Annuity Riders Really Offer Enough To Be Worthwhile? – Using variable annuities with guaranteed retirement income riders have been increasingly popular in recent years. Yet as the guarantees become more expense, returns get lower, and the contracts become more limited in their investment options, do today’s guarantees really offer enough to be worthwhile?

Mike @ Annuity Rates HQ writes Is an Annuity Right for Me? – Since annuities are complex, they may have been simplified too much by some financial advisers which incurred horror stories ending in lawsuits. However, it is not because some investors got fooled by their advisers that annuities are evil. Annuities can be customized according to your personal financial situation. You can also combine more than one product to make sure that everything is covered.

SBB @ Simple Budget Blog writes Is it Really Possible to Negotiate Lower Auto Insurance Quotes? – Like anything worth having, it will take a bit of work cheap auto insurance rate quotes, but those who are up to the challenge will likely reap the rewards. Here are the ways to go about it.

LaTisha @ Young Finances writes Jumpstart your Career with an Unpaid Internship – An unpaid internship can lead to greater experience and eventually, a paid position. Many college students and young adults look for internships after college.

Mrs. Accountability @ Out of Debt Again writes How to Automate Your Finances – Sometimes I feel like a massive accounts manager just handling my personal family’s finances.

Cat Alford @ Budget Blonde writes How to Make Your Dream Holiday Within Reach – If you want to go on a dream holiday but can’t afford it, here are some tips to make it within reach!

Ted Jenkin @ Your Smart Money Moves writes Are You Getting the Benefit of Low Natural Gas Rates? – Are you getting the benefits of low natural gas rates? You’d be surprised how much it can save you.

Kyle @ The Penny Hoarder writes Company Car or Car Allowance: Which one to choose? – One of the employment benefits most often talked about in Australia must be the company car. It’s a valued benefit, but with a variety of options due to tax law changes back in 2002, it’s hard to tell what is the right choice for you. Let’s walk through the two options…

Robert @ The College Investor writes How You Can Invest and Profit From Obamacare – Obamacare is now a fact of life for Americans, as it is the law of the land. Even though the gridlock in Congress surrounding Obamacare is reason for concern, most would argue that it’s here to stay.

Chris WIlliams @ Big Day Coming writes Getting Started: Setting Your Bills and Savings on Auto-Pilot – Describes how to get your finances automated so you can focus on longer term goals – and also help set and enforces a budget and savings.

Robert @ Entrepreneurship Life writes The Most Profitable Industries to Pursue Entrepreneurship – An entrepreneur is someone who starts, grows, and manages his or her own business. You can do this in many different industries. Knowing which industries are the most profitable can help you achieve the financial goals you’ve set for yourself.

Wayne @ Young Family Finance writes How to Find the Right Auto Insurance for Your Family – Been a while? It may be time to shop for a new auto policy.What you need to know to find the right auto insurance policy for your family.

Robert @ Cult Of Money writes Should You Get a Credit Card? – If you’re weighing up getting a credit card there are a few things you might like to think over before settling on one. With so many lenders and a huge range of products available, it’s worth shopping around to see what is on offer.

Robert @ Beat The 9 to 5 writes Are Side-Entrepreneurs The Weakest Link in the Company? – In the intro, he said something that really struck me – my boss fired me because he found out about my side job and figured that my heart wasn’t all into the company. That sucks…but it got me wondering – are side hustlers and side entrepreneurs a weak link the company?

Tushar @ Start Investing Money writes Living with Cash: Would You Spend Less? – Every now and then you read a report or story that suggests one day we’ll live in a cashless society. However many people would argue that it’s easier to spend less money when you live with cash instead of using credit or debit cards.

Maria @ The Money Principle writes Taxing Issues on Tax Avoidance – Tax avoidance is habitually blamed on companies downplaying their need for profits. Governments allowing loop-ravines are equally, if not more, to blame.

MMD @ My Money Design writes Recognizing Opportunities to Build Multiple Streams of Income – Ever since I’ve started reading about how people find different ways to build multiple streams of income, I find myself becoming more aware of them as I recognize them in even the tiniest things throughout my everyday life. Here are my thoughts on what we can do to try to achieve the same.

MMD @ IRA vs 401k Central writes What Does IRA Stand For Anyways? – If you’re wondering “what does IRA stand for ?”, then you may be surprised to find out that the IRS defines it as an “individual retirement arrangement”. Let’s see how that is different from the “individual retirement account” that everyone thinks it is.

Tushar Mathur @ Everything Finance writes Three Tips to Prepare Your Family For the Cost of Aging – Admitting that your loved one is getting older is hard but not as hard as trying to figure out how your family will afford the overwhelming costs associate

Christopher @ This That and The MBA writes Why savings goals matter? – We set goals so that we can have something to work towards. It helps us to have an end in sight. All too often in life we work and work and we do not have an end goal in mind. It might be retirement; it might be a new jet ski, or a new set of golf clubs. Whatever it is having a goal gives us something to work for.

DW @ Great Passive Income Ideas writes Passive Income Opportunities You Can Take Advantage of From Home – No matter what your financial situation is, there are plenty of passive income opportunities that are easy to do right from the comfort of your own home. Here are a few you can start trying now.

Mr FD @ Financial Debauchery writes You Don’t Have Any Emergency Money? How Dare You! – You wouldn’t jump out of an airplane without a parachute, would you? They why do you go day-to-day without a stock pile of emergency money to take care of a disaster if one arises? Here are some tips for manning up and being prepared financially!

Brent @ PersonalFinance-Tips writes Best Tips on Saving Interest on Your Home Loan – Saving money on your home loan is very easy if you strategize properly. Many people concentrate so much on the interest rates when shopping for loan. They forget that even the other features are very important. Below are tips on how to save interest on home loans: Paying in lump sum.

Dollar @ Easy Extra Dollar writes Make extra money through working from home – If you want for make money easy without your company, you should be dedicated and determined. You should ensure that you believe the role of your employer; you will also be the servant so you should release these two functions. As a result set the actual everyday detects to perform and be sure that you fulfill up with them on a daily/regular basis.

Daisy @ Suburban Finance writes Grow Rich with Real Estate – There is some money to be made in housing, and we have a practical guide as to how to be rich in real estate investing.

Eva Baker @ TeensGotCents writes Real Estate Careers – Shopping With Sarah – Sarah shares about her latest adventure. After reading, you may want to check out real estate careers yourself. It’s like being a personal shopper!

Bank Free Credit @ Bank Free Credit writes How to View Your Credit Score for Free – You can start by visiting, which is a central website for getting a free credit report from the reporting agencies. The credit reporting agencies are TransUnion, Experian and Equifax. Consumers can request a report from all three agencies or just one. Requests are made by phone, mail or online.

Little House @ Little House in the Valley writes The Part-Time Worker Trend – The cheery headlines in the news today, such as “Hiring revs up, bit it’s mostly part-time, low-pay” and “Here’s who’s really living with mom and dad,” prompted me to write an article proposing solutions in an ever increasing part-time worker economy. Notice the tongue-and-cheek reference to “cheery.”

Joshua Rodriguez @ writes How To Make A Budgeting Spreadsheet That Makes Budgeting Fun – This post is a very detailed tutorial that walks people through the process of creating a budget spreadsheet. In this post, Joshua Rodriguez talks about the need for a budget spreadsheet that works for him and builds one taking screenshots step by step so it’s easy for others to repeat the process!

IMB @ Investing Money writes Investing in China – A Time for Caution – The Chinese economy is in a state of transition. Investors, time to watch China’s banks carefully! Read here to learn more about China’s economy.

TTMK @ Tie the Money Knot writes Counting on No Social Security Benefits – We can only control so much. One thing we can’t influence is future social security payments, so to be safe why not pretend that they won’t exist when planning for retirement?

Harry Campbell @ Your PF Pro writes Another Tough Run In With Best Buy – Even though I often see a lot of negativity towards Best Buy, they are still in business and somehow opening more stores than they’re closing. When was the last time you saw one of their stores go out of business(a la Circuit City)? I have even noticed a trend of lower prices at Best Buy over the past year or so that seem to coincide with when online retailers had to start charging sales tax.

Harry Campbell @ The Four Hour Work Day writes Vacation is More Meaningful When You Have a Job – I’ve often found that returning to work after a long and restful vacation is one of the most depressing feelings on earth. I know you’re supposed to feel refreshed and relaxed after vacation, but for me, going back to work is what I dread most about vacation. It’s not like I’m thinking about work during my vacations, but when I’m back at work I can’t help but remember how much fun I was having the week before.

THE BOSS @ Like A Boss Blog writes How To Make Money From Your Garden – If you enjoy gardening- have you ever thought about making some money from doing so?

Jon Haver @ Pay My Student Loans writes Student Debt Management – Whether your financial difficulties have been caused by a job loss, overwhelming medical bills or by everyday overspending, you can turn your debt around and, once again, face the future with a rosier outlook. It won’t be easy; it won’t be quick.

Corey @ 20s Finances writes 5 Tips to Starting Your College Year Off Right – Heading off to college, whether you are a freshmen or a senior can be a stressful time. Packing up your belongings, saying goodbye to family and friends and then unpacking everything are emotional tasks.

John @ writes Family Health Insurance Requirements – In most cases, these plans have a deductible that has to be met, and then a certain percentage of each prescription will be covered. However, these plans are extremely beneficial since the Canadian health plan does not cover prescription drugs.

Amanda L Grossman @ Frugal Confessions writes Get All those Sexy Nutrients for Less – Sexy drink beverages, supplements, and super foods sourced from exotic locations—the Amazon, the Himalayans, the Andes—and promising amazing benefits have flooded the grocery market.

Matt Becker @ Mom and Dad Money writes Where Should Buying a House Fit in Your Financial Priorities? – There are a lot of positives to buying a house, many of them having nothing to do with money. It’s certainly a worthy goal if it fits into your vision for your ideal life. But don’t assume that owning a home is a signal that you’ve “made it”. There are many other financial stepping stones that will do more to bring you closer to the goals of security and freedom.

JP @ My Family Finances writes How Important is Credit Rating of a Life Insurance Company – Most websites that provide whole and term life insurance quotes provide the insurance company rating next to the quote.

CAPI @ Creating a Passive Income writes The Reset Button: When to Declare Bankruptcy – Although filing for bankruptcy is a difficult decision, there are several red flags on when it’s time to start fresh and consider the option. Read here!

Alice @ OnBetterTerms writes Why Has Cable Become A Necessity? – Is cable a necessity? Count how many channels you actually watch, and you will be surprised how expensive cable is.

Tushar @ Finance TUBE writes 5 Tips On Saving Money In The UK – You want to save money? Here are a lot of plain ways to make considerable savings on your normal spending, which could clear your debt of the British credit card many times over in less than a year.

Miss T. @ Prairie Eco Thrifter writes How to Take a Frugal (or Free) Vacation or Trip – What if I told you I am able to take a free vacation or trip at least once a year? Would you believe me? I would be doubtful too if someone told me that, but the truth is that it’s rather easy to do if you have a rewards credit card and work hard to maximize your earning potential with it.

Lindy @ Minting Nickels writes Modifications that Add Value to a Used Car – Just as new granite countertops can improve the value of a home, the right modifications can boost your car’s value.

Tushar @ Earn More and Save writes Tips On Setting Up A Bank Account Whilst Abroad – Offshore banking is frequently linked with a high point of financial superiority. Nevertheless, the truth is that the common person can set up an overseas bank account with only some hours of work.

Minimalist @ Minimalist Finance writes Setting a Home Maintenance Budget – Setting a Home Maintenance Budget has been published on Minimalist FinanceFirst time home buyers don’t always consider all of the expenses of purchasing a home. In reality, it’s not just down payment and closing costs that can cost a lot of money, what happens after you sign those papers can also cost you a pretty penny.

Pauline @ Make Money Your Way writes Investing in commercial property – This post talks about investing in commercial property which can be a way to diversify your retirement nest egg.

Pauline @ Reach Financial Independence writes Would you buy a 5 bedrooms, $100 house? – Detroit is dirt cheap, is it time to invest?

GD @ MLIQ123 writes Keyman Life Insurance – Key man life insurance should be a consideration for every business owner, whether you work from home and manage other employees or own a small/medium-size business. Insuring a key employee, executive or partner in your business can cover the costs of recruiting, hiring and training an essential part of your organization, as well as provide the funds to buyout a partner’s share of the business. Check out our guide on key man insurance and see if it right for your business needs.

DPF @ Digital Personal Finance writes What to Do With Side Income – Side Income can play a big role in people’s financial success, perhaps even retirement. This post discusses the question of what to do with side income, including setting it aside as savings.

Hank @ Money Q&A writes Three Reasons Why Your House Is Not Selling – What can you do if months and months later you’re still stuck in the same place after being unable to secure a sale? You are sure to be wondering why your house is not selling.

Don @ MoneySmartGuides writes Making College Affordable – How can we make college affordable? The first step is to limit student loans. That might sound crazy but…

Mike @ Personal Finance Journey writes Quick Ways to Decorate your Bedroom on a budget – Easy simple ways to decorating your bedroom on a tight budget that still gives that new bedroom feeling.

Grayson @ Debt Roundup writes Credit Cards Are Only Tools In Your Financial Toolbox – How many times do you use the tools in your toolbox? Do you feel good when you use your tool the right way and it achieves a positive outcome? I know I do. Today, I am talking about using your credit card just as it is supposed to be used, a tool in your financial toolbox.

Simon @ Airline Miles Experts writes 4 Common Credit Card Pitfalls and How To Avoid Them – A credit card is an alluring concept for many individuals. You can pay for the items you need or want without actually having the money in the bank. While credit cards are convenient and beneficial- they can also be problematic if used irresponsibly. Here are some common credit card pitfalls and steps for avoiding them.

Tony @ We Only Do This Once writes When Paying Down Debt, Downsizing, Decluttering and Simplifying Allows Your Universe to Open Up – Anyone who has read this blog long enough knows about my transformation with finances and my relationship with “stuff”. Along the way, I have (hopefully) helped others as well with this notion. But I never would have guessed that it would all lead to where I am today.

Todd @ Modest Money writes Are You Watching Mortgage Interest Rates Surge Through The Roof? – Have you been diligently tracking mortgage interest rates? You should. They’re surging. Recently all the way up to 4.625%. That’s the largest weekly increase in FIFTY years! Just in January mortgage rates were 3.25%. There was no way to predict that they’d surge up 50% by 1.5 percentage points in less than half a year.

John S @ Frugal Rules writes Should You Pay Off Debt or Invest in the Stock Market First? – There can be a fine balance between paying off debt or investing in the stock market first. The truth is that it’s a personal decision and one that will aid your wealth building, debt reduction and saving for retirement at the same time.

Roger the Amateur Financier @ The Amateur Financier writes 10 Items for Your Last-Minute Travel Checklist – A list of things to take while traveling, including money, clothing, water, toiletries, clothing, passports, and medications if needed on your trip

Pat Murphy @ Feeling Financial writes Why Bond Prices Drop When Interest Rates Rise – As people approach retirement they often shift assets to bonds. But even bond prices can fall when interest rates rise quickly.

Jon @ Novel Investor writes Traditional IRA Rules: Everything You Need To Know – Everything you need to know about the traditional IRA rules (and probably some stuff you don’t) so your retirement plan goes off without a hitch.

Mr. Frenzy @ Frenzied Finances writes Finance Tips: 10 Things I Wish I Knew When I Was 20 – There are some things you just don’t know when you’re 20. Read here for the top 10 things 20 year olds should know on finance.

Investor Junkie @ Investor Junkie writes How to Become Wealthy – Becoming wealthy is something I consider important, at least when I define my financial goals. This post isn’t about how to get rich quick, but how to get rich slowly via savings and investing. In my opinion, over 20 – 30 years everyone should be able to at least achieve some level of financial independence, but most don’t.

Luke @ Learn Bonds writes Would I rather buy a home or own $50,000 of bonds? – Here is a look at the connection between housing prices and interest rates and how to decide when to cash in an investment to buy a house.

Michael @ Financial Ramblings writes Dividends Are Not Free Money – The past few years have seen an explosion of interest in dividend investing. While there are (arguably) good reasons for this, many investors don’t seem to fully understand what dividend payments actually represent.

Anton Ivanov @ Dreams Cash True writes Portfolio Planning Basics – Choosing Investments – A detailed look at choosing investments for your portfolio. I discuss why index funds are your best option and how to pick the best ones.

MR @ Money Reasons writes Both Best and Worst Personal Financial Times This Year So Far – Oddly, I’m having both the best and worst of financial times this year from a cash flow perspective. Read why I’m in such an odd financial state of being!

Bargain Babe @ writes How to start couponing the easy way – You’ve seen the shows on TV about extreme couponing – basically a money saving contact sport. But how do the rest of us coupon without it taking over our life? With just a few tips…

Ryan @ Cash Money Life writes What You Wear Matters … When You Shop – Dressing the part can play a large role in getting a good deal, or being treated well by store clerks, especially in high end shops and car dealerships.

krantcents @ KrantCents writes 12 Things that Successfully Convert a Great Idea into a Reality – 12 Things that Successfully Convert a Great Idea into a Reality. These are the things that work best for me.

Debt Guru @ Debt Free Blog writes The Key to A Second Mortgage: Pros and Cons – There are many pros and cons to getting a second mortgage. Read here for help and information on the dreaded/savior second mortgage and how you can use it.

Mr.CBB @ Canadian Budget Binder writes August Net Worth: +1.90% The calm before the storm – This month I talk about how we did in August with our finances but I also talk about how much money we did spend on shopping at the mall and purchases such as a laptop. The point of the calm before the storm means that we can’t prepare for all situations where we need to go out and spend money but in some cases it is necessary.

Jessica Moorhouse @ Mo’ Money Mo’ Houses writes When in Doubt…Go Back to School? – Remember when you thought you would get a job right out of school? Then remember how hard it was to actually find a job post-grad? Well moving to a new city is no different, and since I have a lot of free time on my hands job-hunting I’ve been thinking about going back to school.

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