I am so happy to be able to host the Finance Carnival for Young Adults this week! Please take time to read some of these great posts!

Roger Wohlner @ The Chicago Financial Planner writes Winning The Retirement Gamble: Step 1 Adjust Your Mindset – The PBS Frontline documentary The Retirement Gamble has sparked a lot of discussion, both pro and con. One thing that is clear, the show contributed to the discussion about the lack of retirement readiness among many in the United States. I’m hardly an expert in behavioral finance, but I do know that in order for investors to be able to focus on planning for their retirement they need to adopt the right mindset.

Dividend Growth Investor @ Dividend Growth Investor writes 2013 Dividend Achievers Additions – The Broad Dividend Achievers index includes 216 companies which have boosted distributions for more than ten consecutive years in a row. Since 1996, the Dividend Achievers index has managed to outperform the S&P 500 total returns.

Janice @ Whiz Silver writes The 5 Mistakes You Don’t Want To Make As A Young Investor – This post talks about the mistakes I made as a young investor.

Janice @ Whiz Silver writes The 5 Mistakes You Don’t Want To Make As A Young Investor – This post talks about the mistakes I made as a young investor

Emily @ Evolving Personal Finance writes Using Upromise to Pay Down Student Loans – I am a low-key Upromise user but I know there are ways to turbocharge savings. How do you reduce your student loan burden?

Darwin @ Darwin’s Money writes What’s a Stay at Home Mom Worth? – What is a stay at home mom worth? It’s a tough question to answer and this recent study thinks they have the answer. I beg to differ. Weigh in on how you’d value moms.

AxeMan @ Axe Debt writes Why Credit Cards Are Not For Everyone – Credit cards are not bad in and of themselves. Millions of people use them responsibly every day and even pay them off each month. However, for some people having a credit card can be a bad idea.

Jules Wilson @ Faithful With a Few writes A Neighborly Gesture – A short phone call and a small gesture made a huge difference in the relationship between us and our neighbor. How can this apply to your relationships?

Jules Wilson @ Fat Guy, Skinny Wallet writes I’ve Been Having A Horrible Time Lately – My wife and I have both been having a rough time both physically and mentally. Find out how this rough patch has hurt our health and our finances.

Arnel Ariate @ Money Soldiers writes Seven Easy Ways to Cut Spending Now – These simple steps you can take today will help you lower your expenses right away. Credit in the form of a loan or credit card can be useful but establishing savings within your current budget can go a long way.

Lance @ Money Life and More writes Don’t Mix Family, Friends and Money – Our Townhouse Rental – We were going to rent our townhouse out to someone we didn’t know, but my fiancee mentioned that one of her friends wants to move soon and loves our townhouse so we decided we could rent it out to her instead. That was the plan… until things went wrong!

Michael @ Financial Ramblings writes Searching for Silver Coins: When Did the Mint Stop Making Them? – Did you know that nickels, dimes, quarters, and half dollars used to have significant silver content? This post gives you a rundown of the relevant dates and details for each coin. There aren’t very many left in circulation, but that hasn’t stopped people from going to great lengths in search of them.

Pete @ Intelligent Speculator writes 21st Century Retirement Is Not What It Used To Be – We look at what has changed in retirement.

Michelle @ Making Sense of Cents writes Home Updates: How We Plan on Selling Our House Quickly – There are many things that we want to do to our house. Most of these will improve the value of our house and/or help it sell more quickly when the time comes. AND there are some things that are on this list that will make living in our house more enjoyable as well. We still have at least another year in this house, so why not enjoy it?

Amanda L Grossman @ Frugal Confessions writes The Amish Next Door: How they Manage their Children’s Money – As some of you may know, my father is a full-time Amish taxi driver in Lancaster County, PA*. One of my father’s main employers is a man named Leroy.

ETZ25 @ Entertainment Timez writes AIG Is Being Attacked – Today after an incredible 1st quarter, AIG is being attacked by investment behemoth Goldman Sachs. This they can still thrive? I do!

Lauren @ L Bee and the Money Tree writes A new TV-Want or Need? – Well actually, I would have to argue that yes…. yes I do NEED a TV. But first, let me explain a little bit about my predicament. I have a little baby of a TV-32 inches, bought on sale from the Best Buy at Lincoln Center in NYC for only $200.

Abbie @ Finance Junkie writes A Student Guide To Surviving The Summer – For those who aren’t fortunate enough to attend summer camps and fun vacations with friends, try this guide to enjoying your summer financially stress free!

Mr. Frenzy @ Frenzied Finances writes The Part-Time Pros: 10 Part-Time Jobs Worth Your Time – Interested in making a few extra dollars? Need another steady source of income? Here are ten part-time jobs worth investigating, worth your time.

SFB @ Simple Finance Blog writes Different Types of Home Loans – Are you in the market to buy a home and planning to apply for a loan? Gone are those days when a buyer would have to choose from among a few kinds of home loans.

Kevin @ Passiveincometoretire writes Using Technology to Improve Your Small Business – As a small business owner, you may think you don’t have time to keep up on the latest technology. Think again. You can improve your communication, efficiency and productivity by investigating the software, electronics and online services available to keep your business humming.

Evan @ My Journey to Millions writes If You’ve Been Thinking about Getting Life Insurance, Now Is the Time – There are two reasons why you should look into your life insurance sooner than later. One has to do with the life insurance companies and the other is you.

Ryan @ Cash Money Life writes How to Safely Invest Your Money – Is it even possible to safely invest your money? Yes, it is! Here’s what you can do to keep your money as safe as possible.

Lazy Man @ Lazy Man and Money writes Committing to a Credit Card? Don’t Underestimate Annual Fees – OK, so are no annual fee credit cards always better to carry? Well, yes and no…

Jacob @ Cash Cow Couple writes How to Make Money on Craigslist – I’ve been buying and selling goods online for almost 10 years. Let me show you how to make money on Craigslist!!

Daniel @ Sweating the Big Stuff writes 5 Crazy Ways People Waste Money – Some people like earning more, and some people like being frugal to save money. Nobody likes to waste money, so be sure you’re not making these mistakes!

Maria @ The Money Principle writes A forced experiment in minimalism – I am in Cape Town and my luggage is somewhere else in the world. May be the union between minimalism and me is not one of passion but I am up for it!

Mike @ Personal Finance Journey writes ETrading online an observation and adventure – An impression of where to start and whats involved in Etrading for the new investor and the possibilities for your personal finance growth and plans.

Steven @ MyDividendStocks writes Life Insurance for the Terminally Ill: Can it Be Obtained? – Receiving the news that you, or a loved one, has been diagnosed as “terminally ill” with a short life expectancy remaining deals a blow that is emotionally devastating. Furthermore, it can be financially devastating, especially if you or your loved one doesn’t currently possess the life insurance that would secure other loved ones when the time comes.

LaTisha @ Young Finances writes Pay Off Student Loans or Invest? – If you’re a college graduate in your twenties, you may have student loans to pay off. The average student finishes school with $27,000 worth of debt.

Tushar @ Finance TUBE writes 5 Crazy small business ideas that worked – Have you got an idea that seems just too crazy to catch on? There are many small business owners in the world who have succeeded in making a living doing unconventional things – and most often they’re inspired by financial necessity or adversity in their own lives.

A Blinkin @ Funancials writes The Honeymoon is Over and the Dollar is Weak – Trading currency can be a great way to make money. The Foreign Exchange is a market that never sleeps. Due to different time zones in different countries, you can theoretically trade any hour of the day. Another advantage is that there is no such thing as a “bear market.&

Ashley @ Money Talks Coaching writes My Dad Passed Away – Last month I wrote about how my Dad was diagnosed with Cancer. Well, he passed away on April 12th. Just 4 days shy of his 60th birthday.

Wayne @ Young Family Finance writes Cutting the Cord: Lower Cost Alternatives to Cable – Cable’s a major part of most homes for young families. We know you like your cable, but it is costly. Read here for tips on cheaper choices.

Kyle @ The Penny Hoarder writes Get Paid to Exercise – I’ve been an avid runner for over 20 years now, and I’m usually out hiking, biking, or generally moving somewhere. There’s nothing quite like the feeling of being able to lace up my shoes and head out the door after a long day.

Robert @ The College Investor writes Rethinking Money Goals – I’ve always thought about how nice it would be to make more money, so I could reach my goals faster. But maybe it’s better to simply rethink my money goals

Robert @ My Multiple Incomes writes Do’s and Don’ts of Applying for a Staff Writing Job – I thought it would be great to highlight some of the Do’s and Don’ts that I’ve seen in staff writers, coming from someone who has now screened over 100 applicants for the jobs I have listed.

Robert @ Kids Ain’t Cheap writes A Look at Baby Carriers – This weekend I finally bought myself a good baby carrier. I like to take walks with baby when the weather is nice and we’re big on camping in the summer, sometimes a stroller isn’t always a great option. A stroller is not ideal in some situations (campground) but for me, most of the time it just bothers my wrists.

Robert @ Beat The 9 to 5 writes The Biggest Problem with the Ease of Internet Business – I’m building an Internet business, and I also know a lot of others who are doing the same. I think the Internet is by far the greatest invention of all time, and it opens up so many opportunities that never existed before.

Robert @ Entrepreneurship Life writes Mobile Payment Opportunities – Like cars, televisions, or laptops, mobile phones and tablets are now quite common. You’re probably using one to read this post right now. Billions of people either have a mobile device or access to mobile communications.

Bank Free Credit @ Bank Free Credit writes How to Find Free or Cheap Food – In the end, food is food. Cutting food costs could mean you make rent this month. Choose from a food list that will make you fuller. Some good choices are beans, rice, chicken, potatoes and steak.

Corey @ 20s Finances writes How I Survived College Financially – Here are simple ways that I earned income throughout college and how you can do the same.

Ted Jenkin @ Your Smart Money Moves writes What Do I Give For A Graduation Gift? – Read this article to find out some graduation gift ideas for your graduate that fit your personal financial budget!

Sam @ Simplefinancialfreedom writes Freelance Jobs, Working From Home and Surviving – Among the wonderful things that the internet has brought us, being a freelancer writer or designer is one of the best.

Jacob @ AllPersonalFinance writes How to Get Into the Savings Habit – One of the most important things you can do to achieve financial health (and maybe even some measure of financial independence) is to save money. However, it can be very hard to get into the habit of saving.

CAPI @ Creating a Passive Income writes What to Do When Investing with Inflation? – Investors must move forward with financial intelligence, and things like inflation make it tricky. Read here to learn how to invest with inflation.

Jacob @ AllPersonalFinance writes Why Entrepreneurs Need to Learn Finance ASAP – While some entrepreneurs think they can just get a “finance guy,” there are some really good reasons for developing your own financial skills. The financing portion of your business is the bottom line, right? Finances dictate decisions, form possibilities and ultimately drive a business.

Crystal @ Married (with Debt) writes What Happens To A Dream Deferred? – What happens to a dream deferred? With my husband’s career facing a crossroads, it’s a question I can’t get out of my mind lately.

Brent @ PersonalFinance-Tips writes How Can A First Time Home Buyer Get The Best Deal – Owning a dream house and the feeling associated with it is perhaps one of the best in the world. The presence of a roof above the head which solely belongs to you is infact a great achievement. House-owning is a vital aspect in any person’s life. Your financial, mental and physical wellbeing depends a great deal on a home.

JP @ My Family Finances writes Taking Care of Kids While Trying to Stay Financially Stable – Learning how to prioritize can help you make the most of the money that you are earning now so that you can manage the future efficiently.

Jester @ The Ultimate Juggle writes Simple Ways to Improve Your Finances – Everyone wants more money and less stress due to money, but it’s not always as easy as wanting it to happen. But, it doesn’t mean it’s impossible. In fact, getting a handle on your money and improving your financial situation is often easier than it seems.

Gary @ Gajizmo writes Credit Score Scale – What Is A Good Credit Score? – Do you know what a good credit score is? This article discusses many aspects of credit scores, including why it’s important, how it is calculated, the credit score scale, what different scores mean, how to improve your history, etc.

Corey @ Steadfast Finances writes How to Drastically Reduce Your Spending – In this poor economy, many people find themselves having to drastically reduce their spending in order to make ends meet. However, there are a lot of people who leave things hanging in the balance for too long. Then their only options are to have cereal for dinner and steal loo paper from the company’s bathroom.

Brock Kernin @ Clever Dude writes Are Today’s Luxuries Tomorrow’s Necessities? – What items that are luxuries today, will be not be able to live without tomorrow?

SBB @ Simple Budget Blog writes Get to Know Your Travel Accommodations – Planning a holiday? There are many different temporary travel accommodations. Read here for differences between hotels, motels, and everything in between.

Debt Guru @ Debt Free Blog writes Top 10 Things Affecting Your Credit Score – You want to be sure you have good credit, but sometimes it’s hard to identify why your credit is unsteady. Read here to see the top 10 credit changers.

Travis pizel @ Enemy Of Debt writes I’m NOT Paying More Than You Quoted Me! – What would you do if a business tried to overcharge you after giving you a quote? My wife walked out the door.

Suba @ Broke Professionals writes 5 Things I Learned From Selling My House – Selling my house highlighted every real estate mistake I’d ever made. Now I’m applying that knowledge to buying a house for the second time.

harry campbell @ Your PF Pro writes Reader Question: Should I Close My Old Credit Cards and Open a New One? – When you’re first getting started with building credit, your score will be dominated by the low age of your accounts, the total limit of your accounts and your utilization. There’s not a whole lot you can do about the low age of your accounts other than wait it out. You always want to keep your oldest line of credit open even if you rarely use the card.

IMB @ Investing Money writes Ways to Search for Great Stocks – Looking to invest in stocks? You need to know where to find the good ones. Read here for finance and investing tips on finding great stocks to invest in.

Don @ MoneySmartGuides writes Starting the Home Buying Process – The home buying process can be a stressful one at times. It’s key to have a plan before starting so that you purchase a home you can afford.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes STEP UP NOTES OFFER HIGHER YIELDS THAN CASH – Bond investing product; Check out Step up Notes? Similar to a bond ladder.

Jon Haver @ Pay My Student Loans writes Investing For Wealthy Students – There is a lot of publicity about how much a struggle it is for college students to make ends meet in today’s economy. For those students who are lucky enough to not have to worry about money, it might seem that not enough attention is paid to what their needs might be.

Steve @ Ready To Quit My Job! writes Don’t Quit, Negotiate A Severance Package Instead – Even if you don’t like your job anymore, don’t walk away with nothing. Negotiate a severance pay instead of quitting.

Little House @ Little House in the Valley writes Cutting Down on Bills and Everyday Expenses – Cutting down your bills seems impossible at first, but it’s important to look at everything in front of you and keep an open mind about what you actually need versus things that are just convenient.

krantcents @ KrantCents writes How to Become Minimum Wage Millionaire – Can you earn minimum wage and still become a millionaire? The short answer is yes! I am sure you have heard of so called poor people becoming millionaires, although not overnight. I am not talking about professional athletes, entertainers or lottery winners.

Roger the Amateur Financier @ The Amateur Financier writes 7 Things You Can Make Rather Than Buy – There is a tendency in the modern world to simply opt for the simplest method in life.

DJ Wetzel @ Money for College Project writes College Students Trash is Everyman’s Treasure – College students throw away millions of dollars of items each year. You find these items in college dumpsters and resell on ebay, craigslist, or at a yardsale

Tony @ We Only Do This Once writes How to Reclaim Your Life from Clutter – It’s Spring, so there is no better time than now to start reclaiming your life from clutter. Imagine your ideal space in your home. Start with one small room. Can you visualize what your room looks like without clutter? Start creating the atmosphere you want to live in, one trinket at a time.

Adam @ Money Bulldog writes iPad vs Laptop ~ In the Hand or In the Lap? – The iPad is the ‘cool’ choice for many portable computer buyers, but how do they compare to laptops and which is right for your needs? Find out here.

Tanya @ The Heavy Purse writes How to Navigate the Financial World after Graduation – Shannon Ryan, CFP shares five steps to help students navigate the financial world after graduation, including how to tackle their student loans.

Kevin @ 20smoney.com writes What is the Actual Cost of Being Sick? – To live life to our full potential, we need to be healthy.

Adam @ Money Rebound writes Secrets of Saving ~ Why You Should Start Saving Today – Due to decades of easy credit many people have forgotten how to save money. Find out why you should start saving today!

Dividend Growth Investor @ Dividend Growth Investor writes Why would I not sell dividend stocks even after a 1000% gain? – In a previous article I wrote on when to sell dividend stocks, many investors were absolutely furious that I would not even think about selling after a stock I own goes up 1000% in value. The reality is that this would depend on the circumstances, but since I am a long-term investor, I expect that at least some of the stocks I purchase today would become tenbaggers over the next 30 years or so.

Michelle @ The Shop My Closet Project writes Important dreams don’t have to be limited to an age. Read my examples of people that accomplished there dreams and overcame their age. – Dreams don’t have a shelf-life

Grayson @ Debt Roundup writes Money and Morality – How Much is Yours Worth? – There is always a fine line between money and morality. When I was running my business, I was propositioned by a gentleman to sell him my customer data for a hefty price. This was burning a hole in my moral compass. Find out how I handled it.

Kanwal @ Simply Investing writes Top 5 Things Mutual Fund Companies Don’t Really Want You to Know – Last month I had the opportunity to write a guest blog post for Modest Money. In this guest blog post I covered the top five things mutual funds companies don’t really want you to know: 1. The majority of mutual funds underperform the stock market 2. Good fund managers are lured away by other mutual fund companies 3.

MMD @ IRA vs 401k Central writes Your Retirement Accounts – The Best Tax Saving Investment – If you’d like to hang on to your money, then look no further than your retirement accounts to find the best tax saving investment – your IRA and 401k.

Theresa Torres @ CreditDonkey Tips writes How to Build Credit with a Credit Card – A credit card can help you build your credit history. Here are some steps that you can take.

MMD @ My Money Design writes Ask the Readers – Would You Support the Privatization of Social Security Accounts? – There are lots of pros and cons to the privatization of Social Security accounts. We ask the readers: Would you be in favor of making a change?

Hank @ Money Q&A writes How to Find Your First Accountant And Personal Finance Team Member – Finding a trustworthy accountant can be a difficult decision. But, here are some tips to help make finding an accountant the easy way to help your finances.

Crystal @ Budgeting in the Fun Stuff writes Need Your Life Insurance Questions! – Hi everybody! I need you to ask every life insurance question that you have.

Luke @ Learn Bonds writes Using Ray Dalio’s 5 Principles to Reach Your Investment Goals – Here’s what you need to know about the 5 principles to reach your investment goals.

Tushar @ Start Investing Money writes Are You Ready for Risky Investments? – Most of us are aware that risky investments come with the potential to bring us bigger rewards. The higher the risk the bigger the potential reward can be. However, it is all too easy to get caught up in the idea of significant rewards.

Irfan Ahamed @ Everything About Investment writes Generating Passive Income: Make Your Money Work for You – How would you feel if the money in your bank account brought in even more money, with minimal additional effort? That’s what it means to have passive income. This is how the rich continue to gain wealth and generate additional income, enjoying a simple living with little to no financial stress.

Pauline @ Reach Financial Independence writes Pauline’s jacket and life priorities – I was criticized for wearing the same jacket but my finances are strong and I am reaching my goals. Peer pressure does not help you become a financially responsible young adult.

John S @ Frugal Rules writes Why You Should Work While in College – Going to college is a rite of passage for many. By working while in college you can generally improve upon your experience and possibly lower the needed amount for student loans.

Mr.CBB @ Canadian Budget Binder writes Working Towards A Debt Free Lifestyle In 8 Steps – Working towards a debt free lifestyle is possible, that is if you really want it bad enough. I’m sure you all know that the 8 steps are only stepping stones, meaning one step leads to another.. You may only need 1 step but the first step may be the most important of all. You can make that happen.

Jon @ Novel Investor writes Stocks For The Online Streaming TV Evolution – The next big technology disruption is happening now. Online streaming TV is the TV of the future. Find out how you can profit this new media growth.

SB @ One Cent at a Time writes Few Cost Effective Ways for Cooling your Home – How to keep cool without running high Air Conditioning bill? This article talks about some techniques we used to beat heat in our childhood in India where AC was a luxury. It has some of the methods you can use now to reduce the electricity bill.

R.J. Weiss @ The Insurance Protection Blog writes Auto Insurance for Teenage Drivers: 7 Costly Insurance Mistakes Parents with Teen Drivers Make – While geared towards parents, this post still has a lot of tips for saving money on car insurance for young adults.

Cameron Chardukian @ Cameron Chardukian writes Providing Value – Cameron Chardukian describes the process of providing value to others in order to make an income.

Glen Craig @ Free From Broke writes What Does a Credit Score Really Mean? – What is a credit score, why it is important, how it is calculated, and some tips to improve your credit score. Your credit score is a crucial financial number to keep track of.

Jules Wilson @ Fat Guy,Skinny Wallet writes A Recap of April 2013 for Fat Guy – My Worst Month EVER!!! – April was my worst month both physically and financially in well over a year! Find out what happened and what I’m doing about it.

Jules Wilson @ Faithful With a Few writes Mother’s Day Traditions – I feel Mother’s Day should be celebrated however the mom wants to,instead I felt obligated to go to a family Mother’s Day celebration with aunts, uncles, grandparents, and cousins.

Jason Hull @ Hull Financial Planning writes Do Low Prices Deceive You? – How anchoring in prices can cause you to overlook the total cost of ownership for your purchases. Learn the difference between price and value.

Lance @ Money Life and More writes Best 0% Balance Transfer Credit Cards – If you’ve sworn off debt but are trying to dig your way out, 0% balance transfer credit cards can be a great tool. You have to know that you’ve completely sworn off incurring any more debt in order to play the 0% balance transfer game, but if you’re certain then you can save a ton of money by taking advantage of some of the best balance transfer credit card offers.

Paul @ The Frugal Toad writes Frugal Living with Children – Lessons From Mom – With Mother’s Day fast approaching I am reminded of the many lessons my Mom taught me as a child. Be respectful always towards others, if you fall, pick yourself up and try again, and make the most of what you have. I was lucky to grow up in a family with six brothers and sisters, we learned to share and to be resourceful. It is this last lesson that I’d like to share some memories..

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