The Carnival Of Retirement 07.29.13 Edition

by Khaleef Crumbley on July 29, 2013

in roundup

We are excited about hosting this week’s edition of the carnival of retirement! We have a lot of great posts, so let’s get to them.

Roger Wohlner @ The Chicago Financial Planner writes 5 Things You Should Know About ETFs – ETFs continue to gain ground as an investment of choice among many individual and institutional investors. ETFs are similar to mutual funds in that they are pooled investment vehicles and to closed-end funds in that they are traded on a stock exchange like individual stocks. ETFs, though popular, are often misunderstood by investors.

Michael Kitces @ Nerd’s Eye View writes Why Inferential Statistics Is A Lousy Way To Evaluate Active Managers – Researchers have long struggled to find any “statistically significant” active managers capable of delivering value… but perhaps the problem is simply because inferential statistics is a powerless way to measure?

Michelle @ Diversified Finances writes How To Leave Your Job on Good Terms – It’s no secret that I’m pursuing my passion. I talk and think about it multiple times every day. One thing that’s a negative about me pursuing my passion is that I have to leave my job. Yes, it will be great to be able to do things that I enjoy in life, and to have more time to do what I want, but this means that I have to actually quit my job.

GMM @ Grad Money Matters writes Increase Your Net Income – Have you ever wondered how much your coworker earns per hour? Is it more or less than you? It seems that everyone is hung up on wages these days, but this is absolutely not the most important measure when it comes to wealth.

Alexis @ FITnancials writes Turn Your Passions into Profits – Some people warn you not to mix your passions and your employment. For some reason, they think that you’ll suddenly enjoy your hobby much less if it turns into your sole source of income.

Dividend Growth Investor @ Dividend Growth Investor writes Dividend Investors Should Ignore Price Fluctuations – Academic research has shown that investors who actively trade the markets generate lower returns that index funds. In fact, investors would be better suited to just ignore price fluctuations and simply focus on fundamentals.

Emily @ Evolving Personal Finance writes Reaching Our First Retirement Savings Milestone – I’m not sure if I can officially say that we’ve reached one year’s income in retirement accounts – what should we say is our income? Do you pay attention to retirement savings milestones?

Irfan @ Everything About Investment writes Top Dividend Tracker Tools of This Season – Before investing dividend investor always think that how to track his dividend income? Therefore I would like to share with all the dividend investors that by a finely tuned process they can simply track their dividends. Dividend tracker is a tool that helps to track how much dividends you have received from your investment. Dividend tracking is not a simple process because companies constantly change their payouts and investors have many transactions in a single sector thus this tracker helps

Charles Yeaman @ Tortoise Banker writes HOW Do I Retire on My Portfolio – We all work incredibly hard during the accumulation phase of our lives and careers, yet very little information exists for folks interested in making their portfolios last and preserve their buying power. This post offers incredibly simple, yet widely accepted advice for you to use when your golden years arrive.

Christopher @ This That and The MBA writes The Bear Market is Not Your Biggest Financial Risk – The past five years have been some of the most economically troubling in recent memory. Large banking institutions have come under scrutiny, entire corporations have gone bankrupt and the financial markets have taken a battering. Indeed, this news has made headlines throughout the world; the word “crisis” garnering an unprecedented amount of attention.

Ray @ Squirrelers writes Learning from History: Financial Lessons from the Dust Bowl – We can learn a lot from history, including lessons on personal finance. This post discusses the 1930′s Dust Bowl, and how we can learn money lessons from that Great Depression era event.

GD @ MLIQ123 writes Types of Term Life Insurance – Almost everyone needs life insurance and term coverage is the most popular type of policy available in the United States. In this comprehensive guide, we define term life insurance and its characteristics, the different ways to calculate the death benefit you need, how companies calculate rates, and finally, offer a detailed comparison of more than a dozen of the most common term life policies you’ll find. At almost 3000 words, this article is the ultimate guide to helping you find the best term

Robert @ The College Investor writes Creating Your Own Opportunities – At the height of the recession in 2008, I was laid off from my video editing job of eight years. Up until that point, I had it made. I earned a very comfortable $72k a year salary living in Los Angeles, had a huge office with state of the art equipment, an amazing boss, and great benefits.

Robert @ Entrepreneurship Life writes $100,000 Per Year Isn’t That Difficult for a Freelancer – You just graduated from college. With your newly minted business degree, you score a job at a Fortune 500 company. Your $50,000 annual salary makes you feel rich compared to your college days, but a $100,000 salary seems so far away. As an entrepreneur, it might be easier to get to that $100,000 mark than working for someone else. Here’s the numbers.

Robert @ My Multiple Incomes writes How I Tripled My Twitter Referral Traffic – The biggest change was thinking about Twitter as a user, not as a business – and the rules of Twitter are very different than other social media platforms. Some sites leverage an SEO company to drive traffic results, but you can drive traffic with Twitter. Let me share my story of almost tripling my Twitter traffic year or year, with three simple strategies.

Robert @ Cult of Money writes How to Become Self Employed On a Tight Budget – This is currently the path I am on and I am here to tell you that it can be done. So, if you are longing to turn your passions into profit or just add a little extra padding to your bank account, it’s time to get started. With hard work, consistency, and patience you can fulfill your self-employment dreams.

LaTisha @ Young Finances writes All or Nothing: Binary Options – An introduction to the mechanics of binary options.

IMB @ Investing Money writes The Words Federal Reserve Chairman Bernanke Said That Turned The Markets Into a Tailspin – It’s all about bonds. Read here to learn about the important decision Ben Bernanke made on bonds for this year that will change the markets.

SBB @ Simple Budget Blog writes Everything you need to know about buying your first car – Your budget is the most important thing when it comes to buying a car, and that doesn’t just mean a purchase price. Running costs including insurance, repairs and servicing are all regular outgoings that you’ll need to take into consideration before buying a car. So work out a budget and stick to it.

Jefferson @ See Debt Run writes Vacations – the Cost of Driving Versus Flying – When planning a vacation, a big question is whether you should drive or fly. The cost of driving is considerably lower than the cost of flying, but are there additional factors to consider?

Ted Jenkin @ Your Smart Money Moves writes Will Obamacare Eliminate The Health Savings Account – About a decade ago Health Savings Account were created so that individuals and families that were covered by a high deductible health plan could receive a tax-preferred treatment of money saved for medical (and other) expenses.

Tushar @ Finance TUBE writes How To Save Money on Utilities? – With the summer heat on the rise the sure thing to increase beside the price of gas is your electricity bill. Air conditioning can definitely add up quickly. Be sure to strain your summer budget if you are not careful. So here are a few tips on saving on utilities. Keep the thermostat high.

Nick @ A Young Pro writes How to Grow When Your Job Doesn’t Challenge You – Stuck in a job that doesn’t push you? Want to grow in your job, but feel like you have already mastered it? I share some tips to help you break through.

MMD @ My Money Design writes The Value of Time and Money – I was pleasantly surprised to find a movie that made me think about how our society looks at the value of time and money, and shows by example how they could each substitute each other as a currency.

Tony @ We Only Do This Once writes How to Leave the Job You Hate – Step by Step – Are you in a job that you hate or maybe the stress is killing you? I was. I can tell you how I escaped and lived to tell about it. This is a practical, step-by-step plan for getting you out from under the pressure of an unbearable job so that you have room to breathe and create the life you’ve dreamed of. I’m sure you can make it work, it worked for me.

MMD @ IRA vs 401k Central writes Comparing a Pension vs 401k – What Are the Differences? – When you compare a pension vs 401k, there are lots of benefits and pitfalls to consider from each side. This post will explore all the major differences.

DW @ Great Passive Income Ideas writes How To Pick The Best Residual Income Model For You – If you’re looking to earn even more money than you are now or leave your boring job, then one of the best options is to follow the residual income model and create income streams that will get you there. This post is a collection of ideas on how to do that.

DW @ Great Passive Income Ideas writes How To Pick The Best Residual Income Model For You – If you’re looking to earn even more money than you are now or leave your boring job, then one of the best options is to follow the residual income model and create income streams that will get you there. This post is a collection of ideas on how to do that.

Kanwal @ Simply Investing writes Would you like to earn $385,024 a year? – Imagine earning $385,024 each year for the rest of your life, and getting annual increases too! I’ve written many times about the power of dividends especially increasing dividends. Now let’s take a look at a real-life example with Wal-Mart. Wal-Mart became a public company on October 1, 1970 and started issuing shares at $16.50 each.

Maria @ The Money Principle writes New business owners: what you need to know about insurance – Starting a business? Great! Now this is what you need to know about insurance.

Don @ MoneySmartGuides writes How to Get Rid of Student Loans in 5 Easy Steps – If you are one of the thousands of recent college graduates you could be facing a mountain of student loan debts that you have no idea how to pay off.

Marie at Family Money Values @ Family Money Values writes Look Who Left a Legacy – As you near or enter retirement, you may be thinking of what your legacy is or should be. It isn’t just the rich and famous who leave them.

Minimalist @ Minimalist Finance writes Saving Money on Your Flight – Your flight is going to be one of the most expensive parts of travel. Flying is always costly, even if you get a deal on your flight ticket, and can far surpass the cost of accommodation, food, and shopping. However, there are ways to save money before you travel on airlines.

Mr. Frenzy @ Frenzied Finances writes This, Not That!: Cheaper Alternatives to Popular Products – Spending too much money every grocery trip you make? Read here for consumer tips on how to save money by buying cheap alternatives to the popular products.

JP @ My Family Finances writes Benefits of Leasing Your Vehicle – Let’s first consider the different aspects of car leasing, and then you can make an informed decision on your own.

Debt Guru @ Debt Free Blog writes Your Next Nightmare: Standard Scams (And How To Avoid Them) – Being scammed out of money can truly be a nightmare as people often don’t see it coming. The best defense when it comes to scams is to avoid them entirely.

Roger the Amateur Financier @ The Amateur Financier writes 3 Ways to Cut the Costs of World Travel – A short guide to ways to keep your travel expenses low (and your income high) while traveling the world, enabling you to travel long and inexpensively

Mike @ Personal Finance Journey writes Easy Simple Accounting advice for new businesses – Easy and simple accounting advice for those interested or just starting new business. How to start out the right way first time.

Matt Becker @ Mom and Dad Money writes Budget With a Passion – A good budget helps structure your life so that your regular spending habits keep you right on target for the things you truly care about. It’s freeing in that you remove the guesswork from your daily spending decisions, which allows you more leeway to spend money on the things you want. Getting to that point isn’t always easy, but if that’s your end goal, why not make it your starting point as well?

Jon Haver @ Pay My Student Loans writes Student Loan Forgiveness Programs – Student loan forgiveness programs were created to help students not be in such high debt. There are multiple different ways to be eligible for student loan forgiveness programs but each one requires a certain amount of time dedication on your part. Most student loan forgiveness programs are controlled by the state or country you live in.

Amanda L Grossman @ Frugal Confessions writes Frugal Ways to Satisfy a Craving to Shop – I admit it: it’s a bit one-sided on my blog when it comes to shopping.

Jon @ Ourinsurancecanada.com writes Canadians Can Save on Insurance Shopping Online – Finding insurance these days can be a daunting task. With the multitude of companies out there each offering a whole array of services and products, just narrowing down what you need can become a chore, never mind from where you’re going to get it.

Hank @ Money Q&A writes Spotting The Signs Of Identity Fraud – Have you every been the victim of identity fraud or identity theft? How did you handle it? How did you first realize that you were the victim of identity fraud?

Jay @ The First Million is the Hardest writes Conducting A Job Search While Still Employed – Searching for a job can be hard, especially if you have to keep it from your current employer. Here are some tips to help navigate this tricky situation.

Odysseas @ Card Hub writes What is a Good Credit Score? – There are more than 1,000 different types of credit scores, and they often utilize different score ranges. So, what’s a good credit score under one model might not be considered good under another.

Ross @ Wallet Hub writes How to get a free credit report? – While in the past getting your credit report and score might have been very difficult or confusing, these days getting one is a short and painless process.

Suba @ Broke Professionals writes How We Moved 500 Miles for Less Than $1,000 – When the quotes from professional movers came in over budget, my husband and I decided to try moving everything ourselves – and saved thousands of dollars.

Daisy @ Suburban Finance writes Twenties Money – Some tips on how to be financially responsible and prosperous in your twenties.

Money Cone @ Money Cone writes The 5 Minute Retirement Plan – Whether you are just starting out or a seasoned investor, The Five Minute Retirement Plan is a very useful site. What do you have to lose, give it a try!

Pauline @ http://makemoneyyourway.com writes Buying a rental property, what you need to know – This is a check list for future landlords who plan on supporting themselves with real estate in retirement.

Tushar @ Earn More and Save writes How to Start a Wildly Successful Freelance Business – Is there one area in which you really excel? Do you have a passion for something that could be of use to other people? Have you ever wanted to start your own business? If you answered yes to any of these questions then you may have a bright future as a freelancer.

MR @ Money Reasons writes Why You Should Still Invest In The Stock Market! – Confused about investing in the stock market? Even though the S&P 500 was flat for the past 10+ years, I’m still was able to accomplish an 8% annual rate of return.

Pauline @ http://reachfinancialindependence.com writes What Financial Independence means to me: Jon from MoneySmartGuides – Jon shares his dreams of financial independence and early retirement

Wayne @ Young Family Finance writes Why Buy When You Can Swap? – Why pay for clothing, paint, and vacation stays when you can swap? Read here for consumer tips on how to save money through swapping instead.

Corey @ 20s Finances writes Why You Need to Enjoy Your Job – About seven months ago, I switched jobs. Since then, my life has changed dramatically, some of which has been noticeable to my most loyal followers on this blog. If you haven’t already noticed, my new jobs has sucked many of my free hours and energy from me, with only working 40 hours a week.

Crystal @ Budgeting in the Fun Stuff writes An Actual $2000 Per Month Budget – Mr. BFS and I actually lived on $2000 a month during college and the year after (2005-2006). So, here it goes, a realistic $2000 budget for two people.

Investor Junkie @ Investor Junkie writes Lending Club and Prosper Update (July 2013) – As far as performance, once again returns for Lending Club and Prosper investments have remained stable in the past six months. There’s been very little variance in returns. Here’s the update:

Jacob @ AllPersonalFinance writes Debt Problems Cause Martial Problems in Elderly Couples – Older people are at just as much risk with debt as younger age groups, according to a recent study. Findings by Age-UK and the International Longevity Centre found that retired Brits have fewer opportunities to pay off their debt as their incomes shrink; and it was revealed that debt problems are fuelling divorce among many …

Luke @ Learn Bonds writes Municipal-to-Treasury Yield Ratios Signal Value – A seasonal summer boost in the municipal bond market has yet to materialize, but value has emerged and investors are taking notice.

krantcents @ KrantCents writes The Road to Prosperity – The road to prosperity is not really a road! In fact, it may not be much more than a path. It is not a location and it can only lead you to a goal. It is filled with many curves, dead ends, U-turns, attractions, amusements, distractions and pitfalls.

John S @ Frugal Rules writes Is Investing in the Stock Market Really That Easy? – Many are overwhelmed when it comes to investing in the stock market. With a little homework and due diligence it can actually be simplified quite a bit and can lead to more efficient investing for long term needs like retirement.

Crystal @ Married (with Debt) writes The Dream Realized: My Husband’s New Job – It was a painful two months, but my husband’s finally realized his dream of continuing his career in law enforcement. Here’s how he landed that new job.

Pat Murphy @ Feeling Financial writes Lifetime Annuities: What You Need to Know – Lifetime annuities can provide retirement income for life. Anybody considering one should understand how they work, what the options are, and why you might want to avoid them.

Jon @ Novel Investor writes Emerging Markets ETF: Investing Overseas – Emerging markets ETFs and index funds are high risk, high reward investments. They certainly haven’t been kind to investors lately. But it doesn’t have to be, if you understand the risks.

Dividend Growth Investor @ Dividend Growth Investor writes Frequently Asked Questions (FAQ) About Dividend Investing – I have highlighted below several frequently asked questions about dividend investing. This is not an all inclusive list, but more of a running total of questions I am usually asked about dividend investing, dividend growth stocks and my strategy.

Kyle @ The Penny Hoarder writes Weird Business #6: Make Money Cricket Farming – The poor economy definitely forces people to get creative, but when I heard about cricket farming on the news a few weeks ago, I almost spit out my coffee from laughing so hard.

Ryan @ Cash Money Life writes Preventing Identity Theft for Your Children – Identity theft against children is a growing crime. Learn how to protect your kids from identity theft, ruined credit, and other problems.

Miss T. @ Prairie Eco Thrifter writes 6 Steps for Creating a More Successful Career – Anytime you start feeling like your career is more of a job (and perhaps a dead-end job at that), it’s time to reconsider your path. If you want to kickstart your career, and perhaps improve your chances of career success, here are 6 steps you can take:

Little House @ Little House in the Valley writes Real Estate Prices Have Risen 28% In Los Angeles – Yes, that’s right folks, it’s the housing bubble déjà vu all over again – at least in the City of Angels. According to news stories published this week (Los Angeles Times and CBS), housing prices rose 28.3 percent since last June. Whoa Nelly! That’s a big jump and it seems eerily familiar to what happened in the mid-2000′s.

A Blinkin @ Funancials writes Fighting Fire With Fire: Student Loans and the Current Health of the Economy (Part 1) – I cannot think of a more insignificant “problem” than the doubling of Federally Subsidized Stafford loan interest rates.

CAPI @ Creating a Passive Income writes Fast Cash: How To Make Money Quick – There are times when you find yourself in need of money in a hurry. Thankfully, there are ways that you can make money quick! Read here for some tips.

Everything Finance @ Everything Finance Blog writes Are You Financially Prepared for Death? – Thinking about dying is…well, it’s morbid. But let’s face it: everybody dies. And while a lot of people may think about what or how they want their funeral to go, many people don’t think about the financial aspects of dying.

Mr.CBB @ Canadian Budget Binder writes A Parking Lot Scam For Money Gone Wrong – You never know who is approaching you in a parking lot. As an adult we tell our children not to talk to strangers but as adults we must keep our guard up and protect ourselves.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes SHOULD I LEASE A CAR? – What to look for when leasing a car. Decide whether to buy or lease.

Tushar @ Start Investing Money writes Is it Possible to Save TOO Much? – We are constantly reading about how important it is to save money – for our children, for our homes and needs and for our future.

Grand Per Month @ Grand Per Month writes Make a Grand Per Month as an Educational Materials Creator – If you have a background in education or currently work as an educator or homeschool your own children, creating homeschool materials and curriculum for home educators may be an excellent way to make a grand per month.

Penny Thots @ Penny Thots writes You Must Make a Decision on Health Care Insruance – Soon! – In less than six months, you may have to make one of the most important decisions of your life: which health insurance plan to choose for you and/or your family. So why is this so important? Because as of January 1, “Individuals who are not covered by an acceptable insurance policy will be charged an annual penalty of $95.”

Mike @ Annuity Rates HQ writes 5 Points to Consider Prior to Buy an Annuity – If you are about to retire and you are looking for an additional income stream to support your life style, buying an annuity might be the best thing for you. However, annuities are more complex than most financial products. In order to help you making your decision, we have highlighted the top 5 point to consider prior to buy an annuity

AB @ Aspiring Blogger writes Net Worth Update – June 2013 – While our June net worth wasn’t as crazy as May – it definitely wasn’t our best month. Our assets didn’t perform as well as they have in the past – did we increase enough for our net worth to reach $250k?

© 2013, KNS Financial, LLC. All rights reserved.

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{ 4 comments… read them below or add one }

1 Roger @ The Chicago Financial Planner

Thanks for hosting and for including my post.

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2 Aspiring Blogger

Thanks for including my article, I really appreciate the shout out! Keep up the great work over here!
AB

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3 Irfan

Thanks for hosting and including my article :-)

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4 krantcents

Thanks for inclusion and hosting, I really appreciate it.

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