Carnival of Money Pros

The Carnival of Money Pros is brought to you to by the Money Pros Team, and you can submit articles at Blogger Carnivals

Glen Craig @ Free From Broke writes Know Your Spending Triggers To Change Your Financial Behavior – There are certain spending triggers that we have that puts us in a buying mood. This can lead to disaster if we aren’t careful. Learn to identify your spending triggers.

Glen @ Credit Card Smarts writes Should You Consolidate Your Credit Card Debt? – Consolidating your credit card debt is usually a great idea but there are some thing you need to think about. See if you should consolidate your credit card debt.

Lance @ Money Life and More writes Two Huge Problems with Dividend Stocks Right Now – Dividend stocks have been quite popular lately and for a good reason. Most quality dividend stocks pay out a consistent amount of money on a fairly set time schedule. I have two problems that make me wary of dividend stocks right now so make sure you pay attention.

Bill @ Budgets Are Awesome writes How to Feel Rich Even if You Are Broke – A post on saving more by accounting for your savings in a whole new way. See why I think $10 per month is worth $48,000.

Martin @ Studenomics writes How-to Master College & Finish With a Bright Future – How to master college and finish with a bright future.

Michael Kitces @ Nerd’s Eye View writes Does The DALBAR Study Grossly Overstate The Behavior Gap? – It is an accepted belief that retail investors, swayed by a barrage of financial news and information, and the wiring in their own brains, tend to systematically buy at market peaks and sell at market lows, resulting in returns that are far lower than what could have been achieved by simply buying and holding. Yet a deeper look at the (in)famous DALBAR study reveals that in reality, investors are actually better “market timers” than a passive dollar-cost-averaging approach!

Mike @ The Financial Blogger writes Getting Over 3500 Visitors For Our New Authority Site – How to build up a brand new source of income.

Vanessa @ Vanessa’s Money writes Inkjet vs. Laser Printers – Looking for a way to save money on printing costs? Ever wonder if laser printers are *really* cheaper than inkjet printers?

Steve @ Ready To Quit My Job! writes Never Burn Your Bridges – Don’t burn your bridges because you never know when you might run into your boss (or their friends) again.

Jeff Root @ writes Securing Life Insurance with a DUI – Many consumers with a DUI are either paying too much for life insurance or in some instances are flat out declined. Here are some tips to find affordable coverage

Maria @ The Money Principle writes Interest rates for dummies – Interest rates can be confusing. This article explains some of the key concepts related to interest rates.

Jenny @ Discount Coder writes Save money on marketing – DIY Twitter – Twitter can be an invaluable tool to any new business, but it can also be extremely expensive if you’re thinking of paying an outsider to help with your twitter marketing. This handy article looks at saving money by running your own twitter profile and just how to go about it.

Corey @ Steadfast Finances writes Ways to Start a Business – Are you looking to start your own business? While the initial stage may be exciting when starting out on a journey like this, it is often the most challenging period for a small business owner. Not only are you tasked with creating the system or systems in order to increase later efficiency, you are also forced to come up with the funds to run the business.

Tushar @ Finance TUBE writes What Is Private Mortgage Insurance? (PMI) – Introduction:Today we will talk about Private Mortgage Insurance (PMI). Most people need to carry their mortgage when they purchase a home. When a lender allows taking mortgage with very little money down, they need to protect themselves. That’s where Private Mortgage Insurance (PMI) comes in.

Tushar @ Start Investing Money writes Lending Club: Peer to Peer Lending in the US – A form of lending that has become more prevalent in recent times is peer to peer lending. As the name suggests, it focuses on the idea of people lending to each other and to businesses, rather than using the banking system to facilitate such loans.

Passive Income Earner @ The Passive Income Earner writes Family Finance: Ways To Access Money – Do you need to access money from time to time? I try to plan ahead but life is full of unforeseen events I run a tight budget and I have not seen the need for an emergency fund considering my access to money. Interestingly enough, I do feel that I have tight months at times. It may be stressful for some but for our family it’s not.

Pete @ Personal Finance Online writes MBAs: Top 20 Programs or Bust – The Masters in Business used to carry a lot of weight at a time when very few people had bachelor’s degrees, let alone a masters degree. New students have to be much smarter about how they spend their money on an MBA.

PITR @ Passive Income To Retire writes Buying a Home (Someday) and Why it Delays My Passive Income Goal – Find out how buying a home will affect my ability to develop passive income streams.

Jessica @ Budget for Health writes Working More than One Job – I haven’t been able to come by a full time position in my area, so I’ve picked up more than one job (four!) in order to get full time hours.

Jason @ Work Save Live writes The Most Important Thing Small Businesses Should Be Concerned With – The following is a guest post. If you’re interested in submitting a guest post, please contact me. What’s Most Important for Small Businesses? It’s easy to get confused concerning what is really important in a business.

IMB @ Investing Money writes Accumulating Investments – How to Grow Investments Exponentially – Accumulating wealth is quite simple. It means years of sacrifice and aggressive investing, but it will pay off in the end.

krantcents @ KrantCents writes What Is Your Success Strategy? – Do you have a success strategy? Simple enough, it is a yes or no question. Then, why do so many people have difficulty answering the question? There is an implication that if you say no that you are a failure. So what! In order to succeed, you have to fail.

Your Boss @ What Your Boss Really Thinks writes Temp Agencies: Good Idea or a Career Buster? – Discussion if temp agencies is a good choice when you are unemployed, pros and cons of working for temp agencies.

Don @ MoneySmartGuides writes 5 Ways to Ensure You’re Frugal During Winter – With winter upon us, now is the time to start preparing for it. In this post, I am going to present five ways to ensure you are frugal during winter including your home, car and eating.

SBB @ Simple Budget Blog writes Why a Healthy Lifestyle Can Save You Money – Find out why living a healthy lifestyle and abiding by your budget are not contradictory. Learn to save money by getting out and eating healthy.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes WHERE TO GET A HIGH RETURN ON MY CASH – I earn over 10% lending through peer to peer loans. See proof of my returns and read about the process.

Roger the Amateur Financier @ The Amateur Financier writes World Domination 104: Choosing Your Cohorts – If you’ve been following along for the last several weeks, you’ve gotten most of the basics ready for a world domination attempt (or more than one; as everyone from Lex Luthor to Cobra Commander could tell you, this is the sort of endeavor that frequently takes more than one trial).

A Blinkin @ Funancials writes 2 Rules for Car-Buying and Maintaining Wealth – Rule #1- You should only finance a car if you have equal amount in savings. Rule #2 – You should only buy a car that costs 1/10 of your annual income. These 2 Rules for Car-Buying will also help maintain your wealth and grow your net worth.

Ted Jenkin @ Your Smart Money Moves writes Is Georgia One Of The Best Tax States To Retire In Today? – Inevitably all of us have the dream of being able to make work optional.

Corey @ 20s Finances writes How Your Starting Salary Affects Your Career Earnings – Find out how what you make when you are starting out will affect your career earnings. You’d be surprised how different it is.

Todd @ Financial Mentor writes The Smart Alternative To Retirement Planning – It’s so “old-skool” to work like a dog for 40 years scrimping and saving so you can retire and do nothing of substance for the remaining 30 years. The New Retirement….

Ray @ Squirrelers writes How Often Should You Check Stock Price and Monitor Your Portfolio? – Some folks check stock prices daily; I don’t. It just might be a much better use of your time to check a lot less frequently.

TTMK @ Tie the Money Knot writes 10 Tips to Avoid Debt in Your Life – Debt is a part of life in one way or another. That being said, I like to avoid it as much as I can. This post shares 10 tips on how to do just that.

Ashley @ Money Talks Coaching writes Child Support – I thought a lot about whether or not I want to post this article… which will become a (hopefully) short series.

Rich @ Growing Money Smart writes Wealth Accumulation Is Not Fair – Wealth accumulation is not fair and never has been, and that’s okay, it provided an advantage to you if you are determined and seize the opportunity!

Sustainable PF @ Sustainable Personal Finance writes Thrift Stores as Part of Your Sustainable and Frugal Lifestyle – One of the best ways to live sustainably and frugally is to do your shopping at thrift stores. You can save money, and at the same time reduce the number of resources being used up. Sustainable Living with Thrift StoresMany consumers make a big deal of using products made from recycled materials. This is a good thing, of course.

ETZ25 @ Entertainment Timez writes Is AIG The Stock For The Future? – So is AIG the stock for the future? It’s a gamble, but it has what appears to be pretty great potential for recovering now that it has paid most of the money it owes the government back.

Chris @ Money & I writes Mythbuster & I vol. 2 – Boost Your Credit Score Edition! – Personal-finance savvy blogger who recently moved to the UK, gives 8 crucial tips on how to boost your credit score and what to expect from credit-repair agencies.

Daniel @ Sweating the Big Stuff writes What Happened To Flying Cars? – Hands down, my favorite futuristic aspect of George Jetson’s life was his flying car. Decades later, where is my flying car?

Michelle @ The Shop My Closet Project writes The Island of Misfit Toys or Where do I get my gear – Rudolph the Red Nosed Reindeer is one of my childhood favorites! Living in Colorado there are a lot of expensive outdoor activities that I like to take part in. Snowboarding, golf, tennis, and riding my bike. So, how do you participate in expensive activities without spending a lot of money? Buy your equipment from a thrift store

Evan @ My Journey to Millions writes Covered Call Strategy in my Traditional IRA Update – The basic idea is to purchase short term covered calls on near the money stocks that are inexpensive in terms of whole dollars so I can buy multiple contracts (an option contract is based on 100 shares). The stocks I have been and would continue to buy first had to survive a pretty rigorous stock screener which is outlined below.

Jason @ Live Real Now writes Rental Property Update – We will have spent about $21,000 on our rental property to make $675 per month. In just 3 years, the property will be turning a profit, then it becomes an actual profit center for us, hopefully forever.

Beating Broke @ Beating Broke writes Is Free Money the Best Money? – The fact of the matter is that we all like stuff for free. Free money is great (although rare), but we hunt down free products, free trips, and anything else that someone might be giving away for free. Some of us spend entirely too much time hunting down free. But, is free money (or items) really the best money?

Jennifer Lynn @ Broke-Ass Mommy writes Financial Lessons I’ve Learned From Scrooge McDuck – It’s amazing what you can pick up from watching cartoons while you are with your child! Read what I learned from Scrooge McDuck

Little House @ Little House in the Valley writes Support Small Businesses, Create Jobs – I can’t help but believe that if we (I define “we” as the people and the state and federal government here) support small business, new jobs will be created; created in the form of employees, employers, and budding entrepreneurs. So hearing this topic come up in the Presidential debates was exciting the other night.

Penny Thots @ Penny Thots writes 3 Common Behaviors that Will Sabotage Your Retirement – Do you look forward to retirement as splendid golden years with ample time to enjoy leisure activities and live life at a slower pace? If so, what are you doing today to make sure that your dream becomes reality? Or are you actually sabotaging your future by spending too much, not saving enough or indulging bad habits?

Luke @ Learn Bonds writes Are your investments about to drop off the fiscal cliff? – How do you navigate the risky waters of the coming fiscal cliff? Positioning your investments for the fiscal cliff.

Lazy Man @ Lazy Man and Money writes Want a Guaranteed Investment? Buy a Baseball Team – Historically, it’s been very rare for an owner to sell a baseball team for less than what they paid. It may happen at some point in the future, but I don’t think we’re quite there yet. Over the coming years, even more people are going to watch games on their cell phones or tablets, exposing even more people to advertising.

Robert @ Entrepreneurship & Life writes Leaving Your Old Job Gracefully – Now that you are a successful entrepreneur, you have to decide when it is right to leave your old job and go with your new one full time. It is not always an easy or straight forward decision.

Robert @ My Multiple Incomes writes 5 Tips for Your First Job – There are obvious tips for newly hired workers such as not arriving late, showering regularly, not eating 10 pounds of heated tuna in your cubical etc., but what about tips that will help you succeed at your workplace? Yes those, you want to know those tips!

Jamie @ Financial Footsteps writes How Granny Saves Me a Fortune on Gift Cards – Buy discounted gift cards online to save money. See which gift cards I buy online at a discount.

TDB @ Tax Deduction Blog writes Uncle Sam and the Trap of the Tax Scam – Did you know that income tax, originally, was only supposed to be implemented during times of war in order to fund war efforts? Sadly, the government hasn’t reread that section of the Constitution and has continued to tax American families even during times of peace (or relative peace). Many Americans, who know this fact, are…

Shawanda @ You Have More Than You Think writes How to Speed Up Slow Cooking – There’s only one thing I like hard and slow. Here’s a hint: It ain’t cooking. 😉 However, I’m a longtime advocate of slow cooking–as long as it’s easy.

Everything Finance @ Everything Finance Blog writes Obama and Romney: Opposing Views on Small Business – For the sake of Everything Finance, I thought it would be a good night to post about the differences between the incumbent and the challenger when it comes to small business issues.

SFB @ Simple Finance Blog writes The Inside Man: 5 Ways To Avoid Insider Trading – A quick primer on insider trading and 5 tips to recognize and avoid any illegal insider trading activities.

Sean @ One Smart Dollar writes Common Home Buying Mistakes – Buying a home is the single biggest purchase most of us will ever make. Here are a few tips to make sure you don’t spend more money then you should.

MR @ Money Reasons writes Frugally Using The Library As Part Of My Mobile Office – Why not use your local area library as a mobile office? You could even use the library as a mobile office in places that you travel to while on vacation!

John @ Married (with Debt) writes Wealth Has Little to Do With Income – For me, the definitions of “rich,” “poor,” and “middle-class” have very little (if anything) to do with income. And before you roll your eyes, this is not a sentimental post about how wealth isn’t measured by money, because YES VIRGINIA, it is measured in money.

Peter @ Bible Money Matters writes 401k Contribution Limits and Rules for 2013 – Even though we won’t be maxing out our contributions this year, I thought it might be a good idea to do a quick review of what the 401k contribution limits, rules and regulations will be for 2013. While the IRS hasn’t released guidance yet as to what the new limits will be, plenty of folks have extrapolated what they believe the limits will be for next year. If they turn out to be wrong, we’ll come back and update this post at that time, which should be later this month.

Mr. Money @ Smart on Money writes Make Saving Easier with Targeted Goals – One of the ways that you can make saving easier for yourself is to set goals. When you have a target, it can be easier to stay motivated. Besides, it’s almost always easier to see how far you’ve come if you actually know where you are going. Plus, knowing what you are working for can help you stay motivated.

Hank @ Money Q&A writes Why I Am Considering Refinancing My Mortgage – Here are a few things to consider when looking at a refinancing and what I look for when refinancing my mortgage. There is more to consider than just a lower interest rate.

Crystal @ Budgeting in the Fun Stuff writes Home Buying History – Our First House – Since I should be away right now closing on our new house, I thought it would be interesting to take a look into our last house. Here is what it has cost…

Jeremy @ Modest Money writes Tempted To Join The Smart Phone Masses – Back in June I posted about how I do not want a smart phone. Well I hate to admit it but I am awfully tempted to join the masses.

Jester @ The Ultimate Juggle writes Keeping Your Budget in Balance – Ten years ago if someone were to ask me about budgeting, I would probably say that it is pretty simple. In many ways, budgeting has been simplified, but in other ways, it is more difficult because of more options.

JP @ My Family Finances writes Which Families Lost the Most Wealth in the Great Recession? – Average household equity dropped by 25 percent and stock investments by more than 50 percent. Most families lost wealth, but some were hit harder than others.

Daisy @ Add Vodka writes Why I Live in A Bad Neighborhood – After writing the post last week about living in a bad neighborhood, many readers and commenters asked me why I still live here. Why don’t we move to a better neighborhood? I have an odd way of thinking about living quarters.

MMD @ My Money Design writes My Cash Flow Plan – September 2012 Update – Check out my updated cash flow plan for dividing up my income in a way that helps to achieve each of my financial goals.

Deacon @ Well Kept Wallet writes Why MPG Matters When Buying a Car – One of the most damaging yet silent expenses to your bottom line can be the cost of gasoline for your car. With gas prices at an average of $3.818 per gallon it is becoming clear that if you want to save money, buying a car that has good MPG (Miles Per Gallon) is the way to go.

Miss T. @ Prairie Eco Thrifter writes Three Ways to Give to Charity Even If You Don’t Have Money – The desire to help others is powerful. Yet, how can you continue to donate to charity if you don’t have enough money yourself, or if you have enough, but nothing extra to spare? There are three excellent ways you can help those in need, even when you don’t have much yourself.

Josh Thompson @ writes Is Whole Life Insurance a Good Investment? – Is whole life insurance a good investment? You may be surprised to know the benefits of whole life insurance: steady growth, competitive interest rates, no loss guarantees, life insurance benefits, tax advantages, and more. Whole life insurance is one of the least understood financial products, and it’s been given a bad reputation by talking heads on television and radio. But with the losses and risk of the market, and the consistency of whole life insurance over that past 100 years, life insu

Invest It Wisely @ Invest It Wisely writes What Type Of Office Life Do You Have? – The following is the first staff post by Shondell from Call Me What You Want, Even Cheap.

PPlan @ Provident Plan writes Hobbies with Low Costs – My wife and I were forced to find hobbies with low costs, but we did it. Find out how we budgeted for our personal interests.

CAPI @ Creating a Passive Income writes Tips to Create Passive Income – If you are trying to create a passive stream of income, you know that it needs to come continuously month in, month out in order to be passive. Some people need a capital base in order to create passive income such as online payday loans while other people can use savings. Once you have the The post Tips to Create Passive Income appeared first on .

Amanda L Grossman @ Frugal Confessions writes SwagBucks VS. Bing Rewards: Which Search Engine Rewards Program is Better? – Microsoft’s search engine Bing came out with a rewards program in a soft whimper launch in September 2010.

Debt Guru @ Debt Free Blog writes Why No Debt = Freedom – Find out why having no debt ultimately gives you a lot more freedom than the alternative. It’s a much better way to live.

TRL @ The Retired Landlord writes Things to do before Buying a Rental Property – Find out what every real estate investor needs to know before buying their first rental property.

Wayne @ Young Family Finance writes Are You Cut Out to be a Landlord? – I was talking with my brother the other day and the conversation moved towards real estate. My brother had a unique opportunity to buy his own house when he was in college. He lived in a fairly affordable area of town and spent the last two years and then two years in graduate school fixing up the house.

Jen @ Master the Art of Saving writes Stupid Sewer-A Mini Update – We’re all moved in, but it’s still a disaster here. OMG! All this stuff keeps coming up and needing to get done and so many expenses.

Suba @ Broke Professionals writes How to Manage People – Part 1 – Knowing each and every one of the people that you manage helps you understand how to assign the work, who might want and benefit from extra training, who might need a mentor and who might be a mentor for someone else. It lets you develop each person and the team to their, the company’s and your benefit.

Joe @ Midlife Finance writes 5 Painless ways to help your (Grown) kids – Want to give your kids a boost? It’s easy to help them out without straining your pocketbook or energy….if you choose carefully.

Jon the Saver @ Free Money Wisdom writes Delayed Gratification – It’s How the Rich get Rich – Rich people get there by being frugal and waiting things out for the long haul. We can all learn a thing or two from rich people’s practices!

FMF @ Free Money Finance writes Why “Six Reasons You’ll Never Retire” Is Wrong – I recently read an article on MSN titled “Six Reasons You’ll Never Retire” and I couldn’t disagree with it more. I don’t have an issue with the author because everyone needs to write articles that’ll get attention and get read. I’m hoping it scared some people into saving more for retirement. I, however, am going to tell you why those six reasons don’t mean you’ll never be able retire. They may mean you have to work harder to achieve your retirement goals but it can still be done.

Jeff Rose @ Good Financial Cents writes How To Become a Certified Financial Planner – Commonly I get asked what are the requirements to become a Certified Financial Planner™ professional and what I went through to achieve the designation. Knowing that there are over 800,000 people that can be considered “financial advisors”, I knew that I had to differentiate myself.

Teacher Man @ My University Money writes Benefits of Online Banks for Young People – Most young people I know today already know and love the internet banking model, but it isn’t just “hip” in terms of a fad, there are actually a lot of solid reasons for going with internet banking. First and foremost, much like the online shopping model I have come to know and love, online banks have much better rates on certain financial products and generally have substantially lower fees.

Young @ Young And Thrifty writes Would You Buy an Amazon Engagement Ring? – Since our article on the zaniness of the modern day wedding industry got such a strong response last week, I thought I might revisit the general topic. In the comments section one reader intrigued me with a few recommended options for saving money on an engagement ring.

J.P. @ Novel Investor writes TradeKing Promotional Code Update – TradeKing offers different promotions throughout the year that will be updated here when they become available.

Steven @ Grocery Alerts writes Can you eat for $26 a week – Welfare Food Challenge – An anti-poverty group in BC is challenging politicians and residents to try and survive for $26 worth of food for a week. During that week, participants will only eat the food they can buy with $26 dollars. I will be taking part of the food challenge

Investor Junkie @ Investor Junkie writes Investment Fees Matter. . .A Lot! – How much you pay in investment fees can matter over the long run, and to no small degree.

harry campbell @ Your Personal Finance Pro writes Reader Question: Investing in Real Estate Without a Down Payment, What is an REIT? – I know there are a lot of people itching to buy real estate but their main hurdle is the large 20% down payment required. 20% of any property is a lot of money, so one option for the casual investor is to turn to REIT’s. REIT stands for Real Estate Investment Trust and they behave similarly to regular stocks. A REIT offers common shares to the public and in exchange, you become an actual owner of real estate. REIT’s receive special tax treatment from the government but in exchange they must

CF @ The Outlier Model writes My Weekly Meals – It can be hard to imagine what eating on $100 a month/person is like. Here’s a look at what we ate this week, along with approximate costs. The costs are only approximate because I don’t always remember how much I money I paid for meat or bulk vegetables for example. But I’ll try to use a cost that reflects an average or sale price, scaled according to the portion used.

Savvy Scot @ The Savvy Scot writes Economies and 12 Crazy Disney Facts you Never Knew – SavvyScot discusses the plans for the new theme park in the UK and reveals 12 crazy facts about Disney that you didn’t know

Glen Craig @ Free From Broke writes Paying for a Good Education in the Beginning or the End? – See one Mom’s argument for investing in her children’s early education now rather than putting the money away in college savings.

Glen @ Credit Card Smarts writes Chase Freedom Credit Card Review – The Chase Freedom credit card offers up a generous rewards program, a cash back bonus, 0% APR, and more! Take an in-depth look at the Chase Freedom card in our review.

Philip @ PT Money Personal Finance writes What’s My House Worth? Find Your Property Value – A post that includes information on how to access your county’s tax records to find your home’s value, but also a cautionary tale about having access to public records.

Miranda @ Financial Highway @ Excess Return writes What is an ETF and How Does it Work? – One of the fastest growing investing products is the exchange-traded fund, or ETF. ETFs haven’t been around for very long, but they are quickly gaining in popularity, due to how easy it is to trade them, and the relatively low costs that come with them. Undoubtedly, most investors have heard of ETFs, yet many are still wondering exactly what an ETF is and how it works.

Kathryn @ Financial Highway writes Common Interview Questions and Answers – This guide not only tells you what the interview questions are but also provides insight into what the interviewer is really asking and what types of answers will help you get the job.

Gen Y @ Gen Y Finance Journey writes When a Deal is Not a Deal – If you’re like me, you love getting great deals and using coupons for all your purchases. But all too often, people end up spending more money by using coupons and taking advantage of deals. So how do you know if a deal is saving you money or costing you money? Read on for some guidelines.



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