Sunday, May 13, 2012

Carnival of Money Pros

Today's Carnival of Money Pros is saying "thanks!" to all the moms everywhere. Here are some of the best posts of the week. 

Steve Zussino @ Canadian Personal Finance writes Why Term Life Insurance is the Best Choice for Many Individuals - While most people are aware of the need for life insurance, many have no idea where to start and what kind to go with. Life insurance comes in many different forms: whole, variable, term, permanent, just to name a few.

Dr. Dean @ The Millionaire Nurse Blog writes iPads And Tablets: Ten Ways To Keep ‘Em Safe While Traveling - iPad's size and weight make them great for traveling. Read all about how to help keep yours from the black hole that is ' airline lost and found.'

John @ US Insurance Net writes about getting cheap renters insurance - before you can begin looking for cheap renters insurance, you have to define what you need.

Aloysa @ My Broken Coin writes How to Make it in America - I am sure you know that it is not easy to make it in America. Making it (whatever it means for you) requires a lot of work and determination. It also requires bravery and courage. For someone like me, making it in the land of opportunity was not just about hard work and determination.

ETZ25 @ Entertainment Timez writes Thoughts on a Dividend Stream For Entertainment - I hash out my plan of attack for the future dividend stream for entertainment.

Jen @ Master the Art of Saving writes Using Extra Income to Pay for Luxury Items - I was under the (incorrect) assumption that I had already told you guys how I afford to pay for my luxury items. Sometimes I get a little confused about what information I post on here, reply to in comments on here and leave in comments on other people’s blogs.

PITR @ Passive Income To Retire writes How Blogging Has Changed My Life - Find out how blogging has changed my life. It has not only improved my writing, but has allowed me to build a side business.

krantcents @ KrantCents writes The 3 O's of Success - The 3 O's of Success is the fifteenth in a series of articles to help you reach your goal.

Kyle @ The Penny Hoarder writes Earn $5 for Taking a Picture of Your Grandparents (and 12 other weird things...) - Fotokoi is an online market that allows people to exchange photos. The best part is, people interested in your work will pay you for rights to your photo.

Corey @ Steadfast Finances writes Investing in a Timeshare - Is It Worth It? - Is investing in a timeshare worth it? Find out the benefits and costs associated with timeshare vacation programs.

Jester @ The Ultimate Juggle writes The Importance of Vacations For Kids - This article explains the reasons that we prefer to take destination oriented vacations for the kid's sake.

KT @ Personal Finance Journey writes In Debt? Consider Paying Cash for Your Purchases - Are you in debt (besides the mortgage)? Do you have thousands of dollars worth of student loan debt and/or credit card debt? If you are struggling to make your payments, one of the best things you can do is to stop using credit and begin to use cash.

Jeffrey @ Money Spruce writes Travel When Retired? No! Travel Now! - I just don’t buy into the whole “travel when you’re retired” thing. It seems like such a waste to wait my whole life to travel (and, not to be morbid, but assuming I make it to retirement age). I just got back from my latest trip to Montreal, which was fantastic. It was my first visit, and it definitely won’t be my last.

Jon the Saver @ Free Money Wisdom writes When Should you go for a Reverse Mortgage? - Reverse mortgages are tricky things. Instead of avoiding them, why not research them and see if they would work for your financial goals!

Wayne @ Young Family Finance writes Unexpected Costs of Pet Ownership - Pet ownership can be quite expensive. If you are considering getting a new pet, make sure to consider these costs.

Daisy @ Add Vodka writes 4 Things All Women Need to Know How to Do - I think independence and self sufficiency is a must for all women.

MMD @ MyMoneyDesign writes What Did You Learn From Working as a Teenager? - Was your job as a teenager a complete waste of time, or did you learn some incredibly valuable life lessons that prepared you later on in life to be a better working professional? I present to you 17 lessons I learned from my early days of employment that I still carry with me today.

SFB @ Simple Finance Blog writes 8 Most Common Types of Houses - Shopping for houses means looking through countless of listings, In order to eliminate the confusion, below are the eight most common types of houses

Theresa Torres @ http://www.creditdonkey.com/ writes Financial Infidelity: Marriage and Money - Many unhappy and failed marriages are due to debts and lies about money. So before embarking on marriage, it's important for a couple to have a honest and healthy discussion about money issues. Here's a research infographic that shows how difficult it is to build a happy married life on delusion and dishonesty about money.

PPlan @ Provident Plan writes U.S. Companies Exploit International Workers - Lack of Fair Wages - Learn more about Infosys and why U.S. companies should not treat workers this way.

101 Centavos @ 101 Centavos writes Wall Street Hates Wal-Mart - After running a just-for-fun post a while back on a Redneck-themed stock portfolio, some readers suggested adding Wal-Mart (WMT) to the mix.

YFS @ Your Finances Simplified writes What Is Asset Allocation and Why Is It Important? - One of the things that investment gurus always emphasize is to diversify, diversify and diversify. Supposedly, diversification will help improve the overall performance of your portfolio since it doesn't ride on just one investment vehicle.

Corey @ 20s Finances writes How to Furnish Your Apartment for Cheap - One of the most common places that people overspend in their budget, in addition to buying food or groceries, is in home furnishings. It's easy to see why this is one of the most expensive areas for people. Furniture and major appliances are expensive.

Kanwal @ Simply Investing writes Top 5 Things You Need to Know About Dividend Paying Stocks - Dividends are cash payments made to shareholders.  As a shareholder you are part owner of the company and therefore are entitled to share in the profits. Dividends can also help you determine when a share is undervalued, and priced right for purchase.

Don @ MoneySmartGuides writes Why You Need A Will - A few weeks ago, I wrote a guest post over at Money Q&A titled Four Overlooked Estate Documents You Need.

Luke @ Learn Bonds writes Predicting the Future Rate of Inflation - May Edition - What does the market say about inflation predictions? The answer is plenty.

Maria @ The Money Principle writes Politics and economy in the Eurozone part 1 - The people have spoken in France and Greece. They do not like this austerity business one little bit. Can you blame them? After all it was not the people who caused the problem so why should they suffer while the banks get off scot-free?

Vanessa @ Random Thoughts & Acronyms writes How to deal with multiple bills due on the first of the month - An effective way to handle monthly bills regardless of what dates or how many times per month you get paid

Linsey @ 1099 Mom writes Update Your Blog to Get Even More Paying Customers - A verdict has been reached: Provided that your company's blog is full of useful, engaging insights, there is a direct correlation between the amount of content you generate and the number of people who are buying your product or service!

asgreen @ Always the Planner writes Competing Priorities -

Erika @ http://fromshoppingtosaving.blogspot.com writes How My Smartphone Saves Me Money - A post about how my smartphone saves me money.

Little House @ Little House in the Valley writes The Five Tool Budgeter - In baseball, a five-tool player is one who excels in some of the game’s major skills: fielding, base running, hitting for power, hitting for contact, and throwing ability. As we move to your budget, there are five areas where you must excel to find financial success

Evan @ My Journey to Millions writes Don't Subsidize My Lifestyle - Optimize Your Expenses - Anytime I complain to a company about lowering my bill they are doing it at the expense of their profit margin, as such, they are forced to overcharge someone else. Don’t be that someone else.

Jason @ Live Real, Now writes 10 Ways to Secure Your Kids Against Debt - Everybody wants their children to do well. I want my kids to grow up without making my mistakes. Here are a few ways to help them avoid debt.

Debt Guru @ Debt Free Blog writes Actively Avoiding Debt - Find out how you can actively avoid debt by not having a wish list or items that you want to buy next.

Beating Broke @ Beating Broke writes The Work Revolution - In The Work Revolution, Dr. Clow lays down the argument that it isn’t that you need to find an escape from work, but that work as we know it is in need of a revolution.

Lazy Man @ Lazy Man and Money writes Pyramid Scheme Questions Cause Herbalife to Lose 3 Billion Dollars - A company losing 3 billion dollars is significant. It's not often that the Wall Street Journal or Business Week write about an MLM company. However, that was the case with HerbaLife earlier this week.

Mr. Money @ Smart on Money writes Finding Alternative Methods of Getting What You Need - You don’t have to buy new all the time in order to get a good value. Here are some alternative ways to get what you need:

Peter @ Bible Money Matters writes 50 Easy Ways to Save Money Every Month - While getting by with less is great, you don’t have to completely do away with everything. There are a lot of easy (and crazy!) ways to reduce your spending, and save money every month. Today I thought I’d put together a nice long list of easy ways to save money every month on recurring expenses, on money leaks and on just about everything else. So let’s get started.

Matt @ Living in Financial Excellence writes What I Have Learned by Interviewing People Who Are Debt Free - For the past six months now I have had the pleasure of being able to interview debt free individuals and couples on the Debt Free Living Podcast. So far I have released about 20 episodes and it amazes me how unique each story is regarding how they got debt free. It also is interesting to me to see what each person’s “Why” is. Some got their finances together in order to travel more, some do it to quit a job they hate and do something they love, and for others it was to stay at home with t

Grand Per Month @ Grand Per Month writes How to Make $1000 Per Month Writing eBooks - I have been looking into electronic books and doing some research into the possibility of being able to make an extra grand per month by writing and selling an ebook. Never before has it been so easy to self-publish a book into an electronic format using the available platforms such as Amazon’s Kindle. And people are buying electronic books! In fact, ebook sales have surpassed physical book sales so you can only expect this market to grow over the next several years. Now is the time to tak

Ashley @ Money Talks Coaching writes Should I Get Married with Debt? - Money and marriage. They go together like peanut butter and jelly,

Sustainable PF @ Sustainable Personal Finance writes What is Crowdfunding? - Crowdfunding works in much the same way as microloans for the poor. You receive a large number of small cash infusions, rather than one or two large ones.

John @ Married (with Debt) writes The Goal of Work is Retirement: Rule 10 - This is Rule 10 in my 10 Rules to Eliminate Debt and Change Your Life The reasons I started Married (with Debt) are twofold: to help people get out of debt, and help them change their lives.

Crystal @ Budgeting in the Fun Stuff writes Doing it Again - Renting Out a Spare Bedroom - We rented out the spare bedroom of our current home 2 of the 5 years we've lived here. And we're doing it again starting today.

Thad @ ThadThoughts writes Breaking In As an Author: Interview with “Hungry for More” Author Kandy Persall - How does a budding author get started? This interview with "Hungry For More" author Kandy Persall can help figure it out!

Hank @ Money Q&A writes What Is Gap Insurance On Your Car And Why You Need It - What is gap insurance? And, do you need it? Gap insurance is a type of car insurance policy that is designed to cover the gap between what the value of your car actually is, and what you owe on the vehicle.

Amanda L Grossman @ Frugal Confessions writes Frugal Mother's Day Ideas - Sometimes what we want to give loved ones cannot come close to what we can actually afford to give them.

A Blinkin @ Funancials writes Should I Buy A House? - I rarely divulge details from my personal life, but today I’m looking for some feedback. Let me give you the full story: I have been dating Miss Blinkin for approximately 1 year and 4 months. Without giving too much information, I foresee an engagement in the coming months.

Jason @ Work Save Live writes Why We Didn't Sell Our Car on Craigslist - Last week I detailed why we considered buying a car through CarMax, and I wanted to do a follow-up on a service of theirs that we actually used.

MR @ Money Reasons writes Is Now The Time To Buy Real Estate? - With the low mortgage rates, is this the perfect time to buy real estate? I find myself looking more and more often.

Robert @ The College Investor writes Alternatives to PayPal - If you do business online, no doubt that you use PayPal. It has become the most mainstream online payment service over the last few years, thanks, in part, to it collaboration (and then purchase) by eBay. However, it is not the only player in this space, and here are a few alternatives you should check into.

Robert @ My Multiple Incomes writes Get a Company's Attention - Have you ever had a terrible experience and you felt that the company didn’t care? Are you going up against a behemouth of a company and don’t know how to go about it? Here are some tips and tricks to get a company’s attention in this modern day of social media. And you’d be surprised, it is easier than you think!

Van Beek @ Stock Trend Investing writes Investing in Google Stock - Google has been a hot stock for the last few years, and if you’re thinking about getting started investing, you may be considering investing in Google stock. I mean, why not? If you could double or triple your investment, who wouldn’t? Well, you should carefully consider your investment in Google stock, or any stock, based on these following things.

Aaron @ Aaron Hung.com writes Does rising gas prices affect americans? - Americans has been hit hard over the last few years with gas prices slowly rising all across the nation. With prices going up as much as $5.70 per gallon on Orlando Florida, you would think that most Americans would cut back on eating out and doing other activities

FG @ Financial God writes Betting on the Future President - Have you ever visited Intrade, which brands itself as the leading prediction market? You can make a market in almost anything these days, it seems. Intrade is a prediction market based in the Republic of Ireland, and lets you bet on predictions in all kinds of areas, including the future president of the United States.

Suba @ Broke Professionals writes How to Save Money on Hotel Rooms - How to Save Money on Hotel Rooms is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. You don’t have to be rich to take a trip or go on a vacation, but they do cost money.

TRL @ The Retired Landlord writes Different Places to Save a Down Payment - Find out the many different accounts or investment places that you can use to save a down payment for a rental property.

Jeremy Waller @ Personal Finance Whiz writes Reader Question: Spend Money to Repair a Gas Guzzling SUV or Sell And Get a More Fuel Efficient Car? - This week I received an e-mail from one of the PF Whiz readers: We are at a cross road dilemma to purchase or repair. Our gas hog Acura 2005 MDX, with 107,000 miles needs new a timing belt & other minor repairs. The cost estimate is $2800. This car only takes premium unleaded.

Teacher Man @ Young And Thrifty writes Choosing the Latest Investing Fad - Don’t you love the guys/gals that get their investment advice from the water cooler? You know the guys and gals that are constantly hopping on the bandwagon of whatever terrible investment advice that their co-workers heard on the radio on the way in this morning?

Kevin @ Thousandaire writes Paul Ryan is a Fiscal Liberal - If Barack Obama is the most liberal president in history for spending $3.6 trillion in 2011, then why does the Ryan plan spend $3.5 trillion in 2013?

Teacher Man @ My University Money writes Lifestyle Inflation – The Upward/Downward Spiral - Yes, I know, many of you have seen this before, and are probably thinking, “Man, I don’t go out and spend frivolously, I’m not trying to pretend I’m a Rockefeller, I’m just an everyday person, I don’t have any lifestyle inflation.” Here is the thing – lifestyle inflation is a silent beast.

Daniel @ Sweating the Big Stuff writes Wedding Gift Etiquette - Buy A Gift or Write A Check? - So what do you want for a wedding gift? With just weeks to go before my wedding, I've been asked that simple question more times than I can count. When people pose it, they're looking for a simple answer.

Eddie @ Finance Fox writes What Income Level Do You Consider Rich? - There's no secret formula to getting rich. Even as little as 10 Percent of your income invested over 30 years and you'll be set for the rest of your life.

Steve Zussino @ Grocery Alerts writes 10 Frugal Mother’s Day Gift Ideas - Here are 10 frugal mothers day gift ideas that will not break the bank!

Ryan @ Early Retirement Investments writes Retiring Early is Only Going to Get Harder - Related Posts:Why Your Children Should Open a Roth IRA at Age 18Common Sources of Retirement IncomeAbout The Baby Boomers Already Flocking to RetirementFinding...

Tushar @ Start Investing Money writes How to Dodge Investment Scams - This Post was Originally published at How to Dodge Investment Scams on Start Investing Money

Echo @ Boomer & Echo writes Pitfalls Of Chasing The Highest Dividend Yield - Choosing a dividend stock involves a lot more than simply looking for the highest dividend yield. Here are some of the pitfalls to avoid:

Mike @ Rewards Cards USA writes Best Airline Miles Credit Cards - One of the reasons that many people sign up for rewards programs is to save money on travel. Here are some of the best airline miles credit cards:

Mike @ Rewards Cards Canada writes Why Cash Back Beats Travel Rewards - A free vacation keeps many Canadians loyal to their travel rewards program, but for me, cash back is king. Here's why cash back beats travel rewards:

Jeremy @ Modest Money writes Career Lessons From My Mom - In honor of Mother's Day this coming Sunday, I decided to write about how my mom overcame financial adversity. As a single parent she went from collecting welfare to being a successful entrepreneur and is now retired early. She is a true success story.

Investor Junkie @ Investor Junkie writes Why PE Ratios Don't Matter - Here’s why I think PE ratios are more likely to mislead investors than put them on the trail towards the next hot stock:

Sicorra @ Tackling Our Debt writes Let's Talk Money - The Series - With Average Joe at the Free Financial Advisor - Check out this great interview with Average Joe from the Free Financial Advisor as he talks about his experience with money and his past life as a financial advisor.

Janelle @ A Mom's Dime @ A Mom's Dime writes You Don't Ask, You Don't Get - How I learned to ask for what I wanted, or I likely wouldn't get it.

harry campbell @ Your Personal Finance Pro writes How I Achieved a 13% Rate of Return with Lending Club - I started investing with Lending Club in August of 2010. Two years later, I’ve seen an awesome 13% rate of return on my initial investment. Lending Club is a relatively new site that brokers peer to peer lending. In essence, you become a bank and you are free to browse and invest in thousands of notes at various interest rates.

Sean @ One Smart Dollar writes 8 High Paying Jobs Without a College Degree Needed - Not everyone has the means or want to go to college. Luckily for them there are still plenty of jobs that you can make over $100,000 while not having a college degree

Jefferson @ See Debt Run writes Using Credit Cards and Paying Them Off Immediately…Too Dangerous? - It is said that your should avoid using all credit cards when trying to get out of debt, but I have started using the Target Red Card and Chase Freedom card.

Earth and Money @ Earth and Money writes How NOT to Make a Financial Decision - When it comes to making financial decisions, it is imperative that you have a clear and focused mind. Given how hard we work for our money, a poorly made financial decision can come back to haunt us many times over.

Emily @ Evolving Personal Finance writes How Do You Decide How Much to Spend on Groceries? - Our food choices are influenced by health, cost, sustainability, and convenience factors. Recently I have wanted to trade convenience for sustainability, but should our costs increase or decrease? How do you decide how much is appropriate to spend, if you don't spend as little as possible?

SB @ One Cent at a Time writes Top Risks for Investing in Oil and Natural Gas - Every investment opportunity has its share of risks. This article talks about the risks of investing in oil and natural gas sector, geared towards beginner investors.

Ken Faulkenberry @ AAAMP Blog writes Margin of Safety: Core Financial Concept is Price Matters - The margin of safety is the difference between the market price and intrinsic value of an asset. Price matters is the core concept of margin of safety.

SB @ Finance Product Reviews writes Best Credit Cards for Balance Transfer in 2012 - We analyzed over 20 cards geared towards balance transfer scenario and rated top 3 based on overall feature of the cards.

Lance @ Money Life & More writes Rental Property - The Financial Side - There are many numbers that are important when making a decision on buying a rental property. The first one that we calculated was how much we would offer for the townhouse. It was listed at $73,500 which may not seem like a lot but would probably be about 5,000 under market value IF it was in great shape and ready to rent out. It wasn’t, so we definitely would not be offering anywhere near that amount.

J.P. @ Novel Investor writes Value Investing Lessons From Warren Buffett - Highlights some of the interesting topics from an interview Warren Buffett did back in March for the MBA program at the University of Western Ontario.

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