Carnival of Retirement

Welcome to the Carnival of Retirement!

This carnival is a perfect for this blog because you haven’t guessed it yet, I kind of like talking about retirement topics.

Here’s the a look at some great articles……

Rohit @ The Money Mail writes Roth IRA – Saving for retirement can be a big challenge. With so many retirement saving options available, it is often hard to decide which one to go for. Roth IRA can be an attractive option if you already max out your 401k or of you are currently in a lower tax bracket then where you expect to be in retirement. Your earning grows tax free and you do not have to pay taxes on qualified withdrawal. Thing death and taxes cannot be avoided? Think again? In this article on Roth IRA you will learn about the bas

Roger Wohlner @ The Chicago Financial Planner writes Annuities: The Wonder Drug for Your Retirement? – Annuities are often touted as the cure for all that ails your retirement. Baby Boomers and retirees are the prime target market for the annuity sales types. You’ve undoubtedly heard many of these pitches in person or as advertisements. Many of these pitches pander to the fear that many investors feel after the last stock market decline. Please make sure that you understand what you are buying before writing that check.

Lance @ Money Life and More writes Bold Move By Discover – The Discover it™ Credit Card – Discover has made a bold but necessary move to position itself in the rewards credit card market. Discover decided to stop offering all of the credit cards they offered in 2012 and have switched to a single new card that easily beats every old credit card they offered. So what is this new Discover credit card and what makes it so awesome?

Kurt Fischer @ Money Counselor writes IRA Contribution Limits – If the holidays sucked up cash you’d intended for retirement savings, not to worry: You can contribute to your 2012 IRA until April 15. And Uncle Sam’s letting you save even more in these tax-advantaged accounts in 2013.

Dividend Growth Investor @ Dividend Growth Investor writes http://www.dividendgrowthinvestor.com/2013/01/load-up-on-dividend-stocks-from-fiscal.html – Nowadays, everyone knows what the fiscal cliff is all about as news channels, websites and newspapers have explained everything there is to the matter. Now that we are past “fiscal cliff” territory, the markets have been jittery. Despite the recent relief rally, some spending deals have only been postponed by a few months. In addition, the uncertainty around the US debt ceiling is another factor that could weigh in on investors sentiments.

Michael Kitces @ Nerd’s Eye View writes Special 2012 Lookback Rules To Make A Qualified Charitable Distribution (QCD) From An IRA In 2013 – Amongst the various “extenders” included in the American Taxpayer Relief Act of 2012 (ATRA) was the reinstatement of rules allowing retirees to make a “Qualified Charitable Distribution” (QCD) from an IRA. Because the legislation was not enacted until after 2012 ended, though, Congress offers two special rules for those who are charitably inclined – but the “lookback” rules end on January 31st!

Robert @ The College Investor writes Business Day TV Looks at Skyline Eco Tours – When Skyline Eco Tours first opened, they only served 6 customers during their first month. That’s definitely changed now… That’s why Business Day with Terry Bradshaw looks at Skyline Eco Tours, a growing company focused on both outdoor adventure and conservation.

Robert @ My Multiple Incomes writes My First Annual Multiple Income Stream Report – 2012 – After adding everything up this year, I’m shocked about how far I’ve come developing multiple income streams.

James @ Free in Ten Years writes How to stop impulse buying – Impulse buying is a huge obstacle in the quest to live below your means. Learn how to beat it once and for all.

Michael @ Financial Ramblings writes Traditional + Roth = Tax Diversification – While most personal finance gurus lean heavily toward Roth accounts, having a healthy mix of both traditional and Roth retirement funds can help you to minimize the taxes that you pay over the course of your life.

Alice @ Hurricanes, Panties & Dollars writes Saving on Inebriation & 10 Money Themed Drinks – I love to drink and have a great time, but if you’re drinking at bars—it can add up faster than a stripper can spot a $100 bill. That’s fast!

harry campbell @ Your Personal Finance Pro writes Is Restaurant Week Even a Good Deal? – Have you heard of restaurant week? Most large metropolitan cities have some form of it, but the general idea is that you pay a discounted rate for a three course price fixed dinner at a top restaurant in your city. In San Diego, the options are for $20/$30/$40 dinners at over 150 restaurants. There are obviously quite a few options and three courses for $20-$40 may sound like a good deal but I’m here to tell you, it’s not.

CAPI @ Creating a Passive Income writes Collectibles and You: Turning Clutter into Passive Income – In addition to obtaining and storing all of these items, they also tend to learn a lot about the value of various items within that niche.

Invest It Wisely @ Invest It Wisely writes Unraveling the Secret to Building Wealth – You can become wealthy by changing a few simple things. All it takes is a shift in attitude and to make one simple commitment to yourself.

Mike @ Personal Finance Journey writes New Year Plan – Its time to be setting Goals – A Simple Practical way to look at your financial goals for the New Year Plan. A guide to setting Goals for 2013 and starting your finance journey right.

Tushar @ Start Investing Money writes Using Foreign Stock Brokers – If you want to start investing in the stock market, you have two options open to you. You’ve either got to go it alone and make your own investments, or find a broker to do it for you.

Gary @ Gajizmo.com writes Credit Unions vs. Banks – Weighing the pros and cons of credit unions and banks in relation to your financial goals and needs is essential to choosing who to open an account with. Ideally, we recommend having an account at both, and here’s why!

Kyle @ The Penny Hoarder writes “I Need Money!” – 10 Ways to Make Money For Tomorrow’s Rent – If you’re having a tough week financially and need to find some cash fast, there are a few things you can do which won’t take a lot of time, and can be done for people you know, or even friends of friends.

Jester @ The Ultimate Juggle writes Final Decision On Fairness in Spending on Kids – Do you think about your fairness in spending on kids? I believe that you should, especially if your kids are great kids like mine!

Jennifer Lynn @ Broke-Ass Mommy writes The library, not just a sanctuary for books. – Read my take on the library, and let me say that it’s now just a sanctuary for books!

Carmen @ MyBestCarInsurance101.com writes How Much Car Insurance Do I Need? – Finding affordable car insurance by comparing rates and companies is an external solution, but before you can do that, consumers need to decide the type and amount of insurance they need. Learn about difference circumstances and coverage needs, and factors you should consider when deciding how much protection to buy.

Christina @ MyLifeInsuranceQuotes101.com writes Term vs. Whole Life Insurance – When you begin to consider life insurance options, you will likely come across a comparison of the different types of coverage available. Between term, whole, and universal life insurance, it is important to weigh the pros and cons before buying protection.

MMD @ My Money Design writes The 403b vs 401k – How Are They the Same? How Are They Different? – Even though we have both types of plans, I didn’t always know what the differences between the 403b vs 401k. Here is what I found out about each one.

Eddie @ Finance Fox writes Lower Your Wireless Bill By Cutting Your Monthly Data Usage – I was able to conclude with today’s post on some tips and tricks to keep your monthly data usage in check and more importantly lower your wireless bill.

krantcents @ KrantCents writes Happy New Year! – Happy New Year! Today is the beginning of a new year and a day full of football games. Living in Los Angeles, I look forward to the Rose Parade showing what is best about southern California.

Ryan @ Early Retirement Investments writes Looking for The Quiet Life But Not in Dubai! – Related Posts:An Introduction to Critical Illness CoverPlanning For Retirement is the Key to Secure Retirement LifeIs It Better to Bank With a Credit…

Ashley @ Money Talks Coaching writes My First Video! – Hey guys! I have something super special for you today… My First online video!

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes HOW PAYDAY LOANS MAKE LENDERS RICH AND BORROWERS POOR – In modern society, loans are easily available for almost every whim and desire. Just pick up your credit card, charge it, and pay the balance off at your leisure. The range of borrowing options ranges from short term payday loans to 40 year home mortgages. Few citizens avoid debt.

Tushar @ Finance TUBE writes How to Resist the Urge to Spend? – Today we will be talking about how to resist the urge to spend? At the core of all personal finances advice is this one fundamental principal. You have to resist the urge of spend as much as you want.

Luke @ Learn Bonds writes How to avoid the #1 mistake made by bond fund investors – Many bond investors top priority is income, which leads them to place a heavy emphasis on a fund’s yield when making investment decisions.

Hank @ Money Q&A writes Seven Credit Card Warning Signs Of Debt Trouble and The Debt Movement – Do you have a problem with your credit card debt? Do you know the credit card warning signs that your debt may be out of control or hard for you to handle?

Aloysa @ My Broken Coin writes The Best Moments of My Broken Coin in 2012 – Check out – My Broken Coin’s – best moments this year

Passive Income Earner @ The Passive Income Earner writes Dividend Stock Analysis: Thomson Reuters Corporation (TRI) – Latest dividend stock analysis of TRI – Thomson Reuters.

Miss T. @ Prairie Eco Thrifter writes Four Promising Solar Stocks for the New Year – Environmentally conscious investors will naturally want to avoid companies with questionable ecological records. With that in mind, there is a spread of promising solar energy holdings for intrepid investors to consider.

Corey @ Steadfast Finances writes Stocking the Bomb Shelter: Is Buying in Bulk Actually Worth It? – Buying in bulk may look good on paper, but you need to consider all of the factors before making your decision.

Evan @ My Journey to Millions writes Why Kris Jenner and Most People Should Talk to a Professional When It Comes to Life Insurance – There was a recent story about how Kris Jenner, Kim Kardashian’s mom, wants her daughter’s baby daddy, Kanye West, to pick up a Ten Million life insurance policy naming the child as primary beneficiary and Kim as contingent beneficiary which raised some interesting issues that can be applied to non-celebrities of normal wealth.

Peter @ Bible Money Matters writes IRS Delays Accepting Returns Until January 30th for 1040 Filers Due to Fiscal Cliff Legislation – With all the changes being made due to the ATRA legislation, the IRS is now scrambling to make updates in their system so that filing can begin. Today they announced when they will start accepting returns for 1040 filers.

Joe @ Midlife Finance writes Where will you live when you retire? – Retirement may be the perfect opportunity to do something you’ve been considering for years: move to a different state or region. But how do you decide which one?

Joe @ Retire By 40 writes Building a dividend portfolio for passive income – One of my financial goals for 2013 is to generate $18,000 from passive income. This isn’t going to be easy because last year we only made $7,742 last year from dividend, rentals, peer to peer lending, and interest.

Crystal @ Budgeting in the Fun Stuff writes Blog Goals for 2013 – I’ve covered my main goals for 2013, but I figured you all may be more interested to know what I have in mind for BFS. I just want to reach out more.

Ted Jenkin @ Your Smart Money Moves writes Top Five Financial New Year’s Resolutions – It’s hard to imagine that another year has passed by so quickly.

Edgar @ Degrees and Debt writes Maintaining Multiple Incomes – Examples of maintaining and diversifying multiple income streams.

Jason @ Live Real Now writes Credit Peril – The credit department came back and said that my wife’s credit was poor. I chalked it up to a temporary blip caused by closing the oldest account on her credit report and financed without her. No big deal. Turns out I was wrong.

MR @ Money Reasons writes Financial Thoughts Spinning in my Head – Here I’m sharing my current financial thoughts, everything from kids, wealth accumulation and the desire to still have a enjoyable year by spending.

Suba @ Broke Professionals writes Increasing The Retirement Age Isn’t The Answer – Increasing the retirement age at which you can collect Social Security benefits would hurt the part of the population that needs the money most.

TDB @ Tax Deduction Blog writes How Are Bonuses Taxed by the IRS – Did you just get a great bonus from work and come home with a much smaller check than you thought? Here’s how the bonuses are taxes by the IRS

Tushar @ Earn More and Save writes What Are Your New Year’s Resolutions? – Learn how to make realistic New Year’s resolutions for 2013 – and actually keep them!

Justin @ Young And Thrifty writes Paying Off Debt: The New Year’s Resolution You Need to Keep – Making New Year’s resolutions is a time honored January tradition. The problem is that by February most of those resolutions have been broken and completely abandoned. But there’s one New Year’s resolution that you need to keep, that you cannot afford to give up on – and that’s paying off debt.

Jon the Saver @ Free Money Wisdom writes How Fitness Affects Your Finances – Personal fitness has a direct effect on your personal finance life. Letting yourself go can wreck havoc in your personal life so watch out.

A Blinkin @ Funancials writes What Kind of Returns Can I Expect When Planning for Retirement? – Moving forward, I would estimate a modest 3-4 percent. Let’s say you are 25 years young making $50,000/year. In retirement, you will need to replace 75 percent of your income. You expect 3 percent inflation. How much will you need to save in order to retire by 65 excluding Social Security?

Michelle @ The Shop My Closet Project writes Let’s Invest: A series about non-fiscal investments – I’ve decided to write a series of posts about non-fiscal investments that may or may not effect our money but do have a huge effect on our lives. Once a month I will write about these investments. I’m curious about what you think. This month’s post is about friendship.

PPlan @ Provident Plan writes What To Do If Your Identity Has Been Stolen – Last week we talked about various ways that a person’s identity could possibly be stolen.

Jen @ Master the Art of Saving writes Potential Savings Goal: A Second Car – Living so far out has isolated me from the world and is driving me nuts. I need want NEED a car or I am going to die…seriously.

Investor Junkie @ Investor Junkie writes WTF Fund Update (2013) – It’s been six months since my last update, and many things have happened. Overall things have been good for my fund.

Jules Wilson @ Fat Guy,Skinny Wallet writes Review of “The Money Code” – I recently had the opportunity to read “THE MONEY CODE: Improve Your Entire Financial Life Right Now” by Joe John Duran, CFA.

Jules Wilson @ Faithful With a Few writes What is the Best Age to Begin Saving for Retirement? – The best age to begin saving for retirement will be different for each person. Some are in a position to do it earlier in life, while others are unable to start until years later. You will be better off if you can start as early in life as possible, but that doesn’t mean that delaying contributions will prevent you from having a comfortable level of retirement savings.

Marvin @ Brick By Brick Investing writes Food Insurance – Detailed description of how you can save money and ensure you have enough household items & groceries in the event that you lose your job.

Everything Finance @ Everything Finance Blog writes Ways to Renegotiate Your Mortgage – Because banks have had to foreclose on so many homeowners, they would rather negotiate with you than have another foreclosure where they will likely lose money. Banks want to get paid, and they now understand that the best way to get their money is to work with you, the borrower.

Roger Wohlner @ The Chicago Financial Planner writes 3 Financial Products to Consider Avoiding – It’s a New Year and many of us are looking to start the New Year out on the right foot financially. Couple this with the upcoming tax season and this is prime time for the financial product sales types. Before buying ANY financial product make sure that this product is right for you in terms of your overall financial situation. Financial products are tools and just like your projects around the house you should use the right tool for the job and not the tool that the financial rep wants to sell

Myscha @ Financial Highway writes 9 Winning Ways to Build Passive Income – Given the choice between having an additional source of income or not, most people would choose the affirmative. The trouble comes when you have to find time to earn that additional income. While we all have available blocks of time in our schedule, not everyone has the ability to take on a full-time second job. That’s where the development of passive income comes into play.

Michael @ Excess Return writes Why A Strong Dollar Will Be Bad For Your Portfolio – Interest rates are low. Quantitative easing measures, pumping hundreds of millions of dollars into the American economy, are high. The fed has, for years, been following a course of flushing the dollar down the pan. The general explanation for this is that such a policy makes exports cheaper in the currency of the target market which will, in turn, drive the U.S. economy forward.

John S @ Frugal Rules writes Reader Question: Should I Invest in Mutual Funds or ETFs? – There are various similarities as well as differences between mutual funds and etfs. If you do some simple homework you can determine which funds are better for you while also keeping down the costs associated with investing.

Marie at Family Money Values @ Family Money Values writes Single Minded Pursuit of Wealth – What is the difference between focusing on wealth creation and pursuing it single mindedly? Is it the difference between having a life and missing out? Is it the difference between success and failure?

SFB @ Simple Finance Blog writes The Importance of Having an Allocated Spending Plan – What is an allocated spending plan, its benefits and how to set it up

Little House @ Little House in the Valley writes Now Might Be the Time to Buy a Home – Owning a home isn’t a new idea and has historically been associated with financial stability, but with the recent recession that has spanned across multiple countries buying a home has gotten a bad rap. One reason home ownership is still a good investment is that interest rates on mortgages have hovered around the lowest historical average these past few years.

Daniel @ Sweating the Big Stuff writes 2013 Business and Personal Finance Goals – Here are my business and personal finance goals for 2013. They won’t be easy to achieve, but I think they’re definitely attainable.

Daisy @ Add Vodka writes How Craigslist Has Saved Us Hundreds of Dollars – When we bought our house, we knew that it needed a bit of work. Our house is nicely renovated, but it was built in the 1960s, and had a few issues that were “under the scenes”.

Corey @ 20s Finances writes How Young Adults Can Save Money on Car Insurance – We all know that young adults struggle with saving money. It must be the curse of young adults to be attracted new cars, fancy gadgets, and trending clothes. Either that or just plain inexperience. In all seriousness, it’s a combination of all these things.

Bryan @ BryanMaltier.com writes Tips For Saving Money on Term Life Insurance – If you’ve been reading about Jeff Rose’s Life Insurance Movement, then you know you need to buy life insurance when you are young and early. This article will help you review and compare companies, decide how much coverage should cost, and find discounts that may make life insurance more affordable for you and your family.

Jason @ Work Save Live writes 5 Things to Consider When Creating a Will – Being a legal declaration, a will is typically made for making dispositions of property to take effect on or after a person’s death. A will is a personalized legal document and can be made for appointing those that one wishes to manage any part of their estate. Specific protocols exist for drafting a will, specific to a country, state, and province and similar areas.

Maria @ The Money Principle writes About goals, priorities and general orientation: my words for the year – Instead of setting priorities and goals in January I decided on two words to orient my effort. These are my words for the year and a report on how it worked out.

SBB @ Simple Budget Blog writes Carnival of Retirement – Read these incredible articles in this week’s edition of Carnival of Retirement

Don @ MoneySmartGuides writes Emergency Fund Basics – An emergency fund is the term given to your Savings Account that acts as a resource to provide you with income during emergencies.

Roger the Amateur Financier @ The Amateur Financier writes Money And Child Raising: Stay-at-Home Parent – When you become a parent, there are many issues that you need to handle.

Amanda L Grossman @ Frugal Confessions writes Debt Can be a Rewarding Motivator: How Will You Use Yours? – What do you think your life would be like if you were given everything you ever wanted?

Jason Hull @ Hull Financial Planning writes The Shortcomings of Aftcasting – Retirement planners often try to use historical simulations to estimate how likely you are to be successful in your retirement plan. Would you have made it had your retirement started in 1929? What about 1957? However, aftcasting may have some shortcomings compared to Monte Carlo analysis, and this article examines why that is the case.

Grayson @ Modest Money writes Treating Your Savings Like A Monthly Bill – One day I was adding another bill to the board and it hit me. I needed to start treating my savings account like another monthly bill.

John @ Fearless Men writes Pinching Pennies – Most of us know the benefits of not spending every penny we make. I have memories of being lectured by my dad when I was like 7 or 8. This is why kids have piggy banks. But then we start earning allowances and a few years later getting jobs. As we start earning more we then feel entitled to spend it. Most of us don’t feel that “entitlement” to pinching pennies and saving for the future. Some say they owe it to themselves to spend that hard earned money on fun and possessions. What about th

Marco Flores @ Optima Tax Relief writes Top 4 Tax Relief Scams You Need to Know – Unfortunately, the Tax Relief Industry has attracted circling vultures waiting to prey on those who are weakened by the threat of IRS action. While you can’t stop these unscrupulous characters from succumbing to their selfish desires, you can arm yourself with the tools necessary to defend against their self-serving actions. You can start by informing yourself about some of the common tax relief scams below and reading our tips on how to protect yourself.

Integrator @ Financially Integrated writes Retiring on dividends: When is the right time? – What are the things that you need to consider before you head off into the sunset for your “dividend retirement”?

Rohit @ The Money Mail writes Passive income asset class – Passive income is a dream for many but a reality for only a few. Why? Because people are often misguided in their pursuit of passive income. Everyone wants to have a huge pile of cash coming in very soon. Does not happen that way. But passive income is possible, it takes time, dedication and planning. In this article I go over some of the passive income producing assets that one can start build their portfolio with. Assets like real estate and dividend stock can help bring in passive income, whe

Suba @ Wealth Informatics writes How to get cheap prescription drugs and save money on medications – Health care is one of the major budget item for us. So I compiled a comprehensive list to get cheap prescription drug and save money on my medications.