Hey folks! We are back from a fabulous vacation in Florida! The weather was beautiful. The company was wonderful. We had a great time, and we can’t wait to go back!

We hope that you enjoyed our awesome guest posts while we were gone. If you missed them, here are the links:



Tomorrow, we’ll get back on track with our regular posts and let you know if we were able to stay on budget during our vacation – complete with some sweet video and photos that we took while we were away. You won’t want to miss that! (For a sneak peek, see the photo at the top of this post.)

Today we are going to step out of our normal routine and share a very special post with you as we host our first carnival! Welcome to the “Carnival of Retirement!” This is a weekly carnival of great posts from around the PF blogosphere that are focused on retirement. Thanks to our friends Jefferson and Michelle at See Debt Run who were scheduled but unable to host this week. They asked us if we could step in and help them out. Of course, we said yes! So, we are proud to present to you this week’s “Carnival of Retirement!” Enjoy!


Carnival of Retirement


Lance @ Money Life & More writes I Maxed Out My Roth IRA and You Can Too! – On August 31st I maxed out my Roth IRA for 2012 and it was a great feeling. Normally I’d max it out over the course of an entire year. This year was slightly different.

Giselle Peters @ The Canadian Profiteer writes Extensive Inside Look into Questrade – The Authoritative Review – Here’s an exhaustive in-depth look into the inner workings of Questrade, one of the biggest discount stock trading brokers in North America; from the perspective of an average consumer.

Corey @ Steadfast Finances writes 5 Money-Saving Car Maintenance Tips and Tricks – Find out what you should do to take care of your car. You’d be surprised how much longer your car will last.

Sustainable PF @ Sustainable Personal Finance writes Dishwasher vs Hand Washing: Which is Cheaper and Greener? – At first glance handwashing dishes appears to be a greener and cheaper option than using a dishwasher. Best to look twice.

Crystal @ Budgeting in the Fun Stuff writes Financial Changes to Make This Fall – Planning for the expenses that hit us in the fall season will make everything go more smoothly. When we are prepared, we tend to not unnecessarily overspend.

Daisy @ Add Vodka writes How to Deal with a Difficult Coworker – I’ve had my fair share of having to deal with difficult coworkers. This makes me sound like I’m the problem, and to be honest I probably was part of the problem.

Ashley @ Money Talks Coaching writes Time to Think About the Christmas Budget – Christmas!! In September?! Are you nuts-o? No I haven’t lost my mind and believe me, it feels less like Christmas here in Phoenix than it does probably

Jason @ Work Save Live writes Top 10 Reasons Why You Need an Emergency Fund – Reasons You Need an Emergency Fund You’ve heard all the pundits in personal finance extol on the fact that you need to have a emergency fund. I’m not going to preach to you about how much you should have, or where to put it.

PITR @ Passive Income To Retire writes Getting your Business Off the Ground – Every business begins with an idea. But an idea alone does not make a successful venture. You need to develop and hone many aspects before you can really get your business off the ground. From conducting a market analysis to picking the leading business bank accounts, here are the essentials for getting your business up and running.

Maria @ The Money Principle writes Living cheap and feeling cheap – Living cheap may be a virtue but feeling cheap is a curse. What do you do to live cheap without feeling cheap?

Ted Jenkin @ Your Smart Money Moves writes Do You Eat Out Too Much? – If you’ve noticed that your disposable income may be sneaking out the back door of your family finances, one of the causes could be between the lunches and

Invest It Wisely @ Invest It Wisely writes The #1 Reason Why European Waitresses Love Americans – Perhaps you should not tip that European waitress quite as much as you do when you are overseas?

Corey @ 20s Finances writes Different Approaches to Investing – Learn about the different approaches to investing so you can be better informed as a young investor.

Luke @ Learn Bonds writes Everyone is Wrong: QE Does not Lower Interest Rates – The belief of QE lowering interest rates is wrong. With the impending announcement of the Fed this week, investors should look for higher interest rates.

Passive Income Earner @ The Passive Income Earner writes Top 20 Dividend Stocks – September 2012 – It has been a while since I went over my last dividend stock screening. When I started using my screening, I wasn’t sure how different the results would be over time but it’s clear that we have regular movement. I am by no mean trying to do market timing but knowing that you are buying a stock at a good valuation with good yield is good for a portfolio.

Bryan @ Life Insurance Rates 123 writes No Exam Life Insurance – As you get older, you may begin to make final plans for the end of your life. Some senior citizens would prefer not to leave medical bills and funeral expenses to their loved ones, but do not believe they can get approved for life insurance. With no exam life insurance, seniors or individuals with health issues are able to get life insurance for a limited death benefit without undergoing a medical exam. No exam life insurance is not for everyone, but can be very practical and helpful for those i

Hank @ Money Q&A writes Is Life Insurance An Asset Like Your House, Cash, Or Gold? – Do you consider your life insurance policy to be an asset like your house, cash in your bank account, or the gold bullion bars under your bed? Is life insurance the new asset class?

Debt Guru @ Debt Free Blog writes College Debt – Diversification and What this Means – Find out about the latest trends of college debt and how getting students loans can affect your finances.

PPlan @ Provident Plan writes Building an Emergency Fund – Find out how you can build your emergency fund and what to do with it.

Rich @ Growing Money Smart writes Working on Financial Offense – This is my declaration on the need to improve my financial offense! Read it to see if your financial offense is strong enough too!

Roger the Amateur Financier @ The Amateur Financier writes How to Find an Appropriate Investment Firm – A guide to looking through investment firms in order to find the best firm for your investment needs, covering some factors to consider.

Suba @ Broke Professionals writes Why We’re Taking Our House Off The Market – After dropping our asking price to the basement, we’ve given up on selling our house – at least for now – and have decided to take it off the market.

Jester @ The Ultimate Juggle writes Not Enjoying A Family Vacation By Focusing Too Hard On Money – I had to work on my spouse so that he would enjoy the family vacations we go on and not focus too hard on money! Perhaps you should do that same…

Aloysa @ My Broken Coin writes How I Spent $300 on Wicked Parents, a Sick Child and a Slurpie – Read my interesting tale of how I spent $200 dollars in the most unusual ways!

Ryan @ Early Retirement Investments writes The Basics of Investing – Read the basics of investing! This is a great introduction to investing (although I might be biased!)

SFB @ Simple Finance Blog writes Should I Let Them Cancel My Credit Card? – Is now the time to cancel my credit card, and potentially mess with my credit score? Here’s how the cancellation could impact my credit.

Steven @ Grocery Alerts writes Best products to buy in September 2012 – September marks the end of summer, as well as the countdown to Halloween, Back to School, and the holiday season. Everything from jeans, iPhones to Sunglasses to bicycles.

MMD @ My Money Design writes Social Security Benefits – The Kid Picked Last for Dodgeball – Let’s take a look at how much money we may be able to expect in Social Security benefits, and what steps we can take to maximize them as much as possible.

Wayne @ Young Family Finance writes Self-Employment – Is it all it’s Cracked Up to Be? – For as long as I can remember, I recall hearing the notorious “work from home” scams. They seem more popular today, but maybe it is just because I am spending more time on the internet.

SBB @ Simple Budget Blog writes Simple Ways to Earn More Money – Do you need some extra cash? We give you common and simple ways to increase your income without breaking a sweat.

Jon the Saver @ Free Money Wisdom writes Save Money Easily: 4 Things You Can Live Without – Save money easily with these top four tips. Saving money can be a pain but with proper planning it can be really easy!

TRL @ The Retired Landlord writes Why I am Interested in Real Estate Investing – Find out what I find attractive about real estate and what it offers me. In other words, find out why I love real estate investing.

YFS @ Your Finances Simplified writes How to Resolve Money-Related Disputes in a Relationship –   Did you know that the average couple spends 250 and 700 hours planning their wedding? This number is INSANE.

Amanda L Grossman @ Frugal Confessions writes Grow Your Budget’s Spending Power – You may have noticed that I’ve been focusing on budgeting over the last several weeks: My Advice to the Person Budgeting for the First Time, Mustang Budgeting

CAPI @ Creating a Passive Income writes Two Ways to Create Passive Income – Lacking liquid assets to invest money and create a passive income? No need to worry. Find out how you can generate passive income without any money down.

A Blinkin @ Funancials writes This Just In: Stocks Will Rise and The World Won’t End – I bring this up because I see lots of nothing. “Nothing” is what people do when they are too scared to do “something.” A nice mixture of uncertainty and pessimism has kept many people from investing. We’re in (what some refer to as) a liquidity trap.

krantcents @ KrantCents writes Volunteering Changed Me! – I finally started volunteering! No, it was not my first time and it won’t be my last. Most of life, we do things for people expecting something in return. When you say good morning or hello to someone, there is an expectation that the other person will return the greeting or acknowledge you.

Shawanda @ You Have More Than You Think writes 3 Quick and Easy Tips to Shrink Car Insurance Costs – Car insurance is an onus that never seems to die. Fortunately, you can reap massive savings by making a few quick adjustments to your auto insurance policy.

Don @ MoneySmartGuides writes 12 Month of Goals: September – Welcome to the start of another month. September is an interesting month as you start to see cooler weather, but the threat of an Indian Summer is still a possibility.

TB @ Blue Collar Workman writes How to Prevent a Balcony Collapse – When heading into retirement, many people opt to own rental property for the passive income. This is a great idea, but what types of things come up when you own a rental property? How should you handle building damages or problems?

Jen @ Master the Art of Saving writes Living at Home-The Parent’s Perspective – I thought it would be interesting to have my mom write a guest post about what it’s like having your kids move back home!

Sean @ One Smart Dollar writes Investing in Growth Funds – A well diversified portfolio will consist of many different types of assets including growth funds. Here is a basic guide to what growth funds really are.

Tushar @ Start Investing Money writes What Kinds of Mutual Funds Can You Get? – Are you thinking about getting a mutual fund? Read my information about the different types.

Marie at Family Money Values @ Family Money Values writes How to Live Life Well and Avoid Deathbed Regrets – Death is a very personal experience, but it comes to us all. Does it matter how well you die? At death, does it matter how well you lived?

ETZ25 @ Entertainment Timez writes Dividend Money Stream for Entertainment – Sept 11th – This is the reasons that we are creating a dividend money stream for entertainment and fun! Read about the advantages and flexibility of such a dividend money stream!

Tushar @ Finance TUBE writes Extreme Couponing: Tips for Getting the Most Out of Daily Deals – This is one of the unique episodes where you will be getting tips for the daily deals. You will be having these fours exciting tips which are easy to be applied. These will make your usage more interesting and valuable from every aspect.

Jennifer Lynn @ Broke-Ass Mommy writes Bills Make Me Peevish and Need to Go Away. – Broke-Ass Mommy is a blog that chronicles the tribulations of being a mother with limited income

Sicorra @ Tackling Our Debt writes 9 Ways to Deal with Financial Stress – Do you feel good about the current state of your personal finances or are you one of the many people that are quite concerned about their financial situation?

Evan @ My Journey to Millions writes Why Does It Seem Like Public Unions Do Not Want to Face Reality? – Ask your average Chicago resident if they have received a raise? Do they have job security? Do they like how their boss evaluates their performance? Reading the story of the Chicago public school strike makes me ask once again why the hell does a public pension exist for new employees.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes WHO IS RICHER? CAN YOU FIGURE IT OUT? – Instead of feeling embarrassed that she didn’t have a fancy smart phone, she regarded her phone as a sign of her smart money decisions.

Investor Junkie @ Investor Junkie writes Kapitall Review – Drag and Drop Investing – One of the more fun and investor-friendly platforms out there is Kapitall. Kapitall originally started out as more of a game, with a format that allowed you to build a portfolio and track your performance, but now the company has received the proper licensing to be a broker, so it’s possible to trade stocks using the company’s unique drag and drop model.

Ken Faulkenberry @ AAAMP Blog writes Slow and Steady Wins the Race in Investment Management – Slow and steady wins the race in investment management. Building wealth is a marathon, not a sprint. Here are the concepts to do it right.

Shilpan @ Street Smart Finance writes Building Wealth With Smart Financial Decisions – The street smart philosophy about building wealth is simple at its core — building wealth with smart financial decisions! Most people don’t build wealth not because they are not smart; they don’t build wealth — for most part — because they are gullible and easily buy into the notion that wealth is either inherited or strikes the doors of lucky few.

CF @ The Outlier Model writes I can haz vacation? – At a salaried job, you’re paid to do a certain amount of work. That amount can vary depending on the number of weeks vacation your employer offers you. Evaluating the vacation time offered is an important variable in deciding between two offers.

IMB @ Investing Money writes How Much Money to Invest? – Want to know how much you should invest? Find out how to calculate the amount to invest.

Jeremy @ Modest Money writes Guilt Induced Frugality – If someone is frugal though, do they constantly maintain that mindset? Some people might be disciplined enough to keep it up, but I think most people still occasionally splurge.

Paul Vachon @ The Frugal Toad writes A Guide to Calculating Home Content Value – Whether you’ve just moved into a new home, are thinking abut moving or have been in your current abode for a while, it is very important that you insure its contents.

harry campbell @ Your Personal Finance Pro writes Why Rebalance Your Retirement Accounts – A crucial part to a successful investment portfolio requires that you occasionally rebalance your portfolio. Due to the volatility of the market, the asset allocation you select might change from time to time. If you select 80% stocks and 20% bonds as your AA, swings in the market can cause these numbers to veer off in different directions. Re-balancing your portfolio allows you to maintain your risk tolerance by selling or buying certain asset classes.

JP @ My Family Finances writes Don’t Waste Your Money on AAA: Four Options for Free or Low-Cost Roadside Assistance for Your Family – There are plenty of great, low-cost options for roadside assistance that make the yearly payout on AAA a complete waste of your family’s money.

MR @ Money Reasons writes Fincon12 – A Unique Perspective – Part 1 – This is my take on the fincon12 conference from a city exploration standpoint! The cost of the conference was worth it just to visit the great city of Denver! More to come soon and other experiences.

John @ Married (with Debt) writes Auditing Your Emergency Food Stash – Let’s talk about your emergency food stash. You do have an emergency food supply for your home, right? I’m not talking about hoarding buckets of grain in your basement in anticipation of the 2012 Mayan Apocalypse.

Eddie @ Finance Fox writes Who Wears the Financial Pants In Your Relationship? – No personal wedding or relationship story to share about who wears the financial pants in my relationship, however I’m curious to know about your relationship, and who wears the financial pants.

Daniel @ Sweating the Big Stuff writes Do You Prefer Advice From An Expert Or Someone Who Has Had Experience? – While nobody is perfect, I pride myself on making as few financial mistakes as possible. That’s not to say every investment I’ve made has gone well, but for the most part I don’t waste money and have made pretty good decisions regarding my personal finances. I take advantage of my credit cards by paying them…

Jason @ Live Real, Now writes Optimized to Go, Part One – Last weekend, we held a garage sale at my mother-in-law’s house. It was technically an estate sale, but we treated it exactly as a garage sale. We held a sale to let other people pay us for the privilege of hauling away our crap. As such, it was all priced to move.

Beating Broke @ Beating Broke writes What’s Your Personal Finance Dedication Level? – What is your PF dedication level? Do an inventory of the goals that you have set and decide now how much dedication you want to have towards those goals. I’ll let you in on a little secret. If you set a goal, you want it to be a 100% dedication item. Maybe you don’t realize that, but (consciously, or sub-consciously) you created that goal with the intention of giving it 100% dedication. And if you aren’t giving it the dedication that you intended for it, you’re letting yourself down

Little House @ Little House in the Valley writes A Renting Vs. Buying Index for 2012 – I love interactive maps and calculators and there’s almost nothing I love watching more than the Rent vs. Buy data from quarter to quarter. Based on my own personal information for the city I currently live in, renting is the better choice for up to 11 years – after that buying is a better option.

SB @ Finance Product Reviews writes mVelops budgeting software review – Mvelops is a great and free software for managing your personal finance, this review covers both good and bad points about Mvelops. Read more to find out if Mvelops app/software is for you

Jeff Rose @ Good Financial Cents writes Investing in Your 20s: Never to Early to Save for Retirement – Let your money work for you by giving it the maximum amount of time to be invested. Don’t end up eating Ramen Noodles and waiting for your next Social Security check. That’s no way to live your golden years.

Lazy Man @ Lazy Man and Money writes How Expensive Are Stocks Now? – I had made the case that I think with the Dow Jones Industrial Average (DJIA) up around 13,000 stocks looked expensive. My rational was that except for a short time in 2007 the DJIA hadn’t rarely been above 13,000 and it barely crossed 14,000 before dropping and then getting hit by the banking collapse in late 2008. Clearly once again, the DJIA is getting too expensive, right? Wrong.

J.P. @ Novel Investor writes Breaking Down REIT Tax Rules – Dividends are the big reason investors turn to real estate investment trusts or REITs. What many people don’t know is that those dividends are not taxed like normal dividend stocks.

Deacon @ Well Kept Wallet writes How to use the Cash Envelope System – The cash envelope system is a great way to get a hold of your finances. It gives you control over your money and allows you to tell your money where to go. Many people have paid off thousands of dollars in debt using this system. This is how it works.

Everything Finance @ Everything Finance Blog writes The Advantages of a Semi-Monthly Mortgage Payment – While a semi-monthly repayment plan does reduce the amount of interest you pay slightly and can make your monthly mortgage payments seem more manageable, if you are looking to slash a number of years off your mortgage and save thousands of dollars on interest, a bi-weekly mortgage may just be the way to go.

Cash Flow Mantra @ Cash Flow Mantra writes Net Worth Is Up Over 18 Percent – The good news is that from May 28, 2012 to September 2, 2012, my net worth increased by 18.5%. I was really rather shocked since it had only been a little over three months. The previous increase had been 28% over 6 months which I thought might have been an anomaly so I was only expecting maybe 6% at best.

Penny Thots @ Penny Thots writes Are You at Risk by Investing in Bonds? – I fear that many investors misunderstand bonds as being like cash in that it is hard to lose the principal. While being more conservative than equities, one can still lose money when investing in bonds. My fear is that too many investors think that conservative means not losing money when that is not the case.



We hope that you enjoyed this week’s Carnival of Retirement! Thanks to Corey at 20’s Finances and Joe at Retire by 40 for allowing us to host. Have a great week everybody!