Welcome to the 306th edition of the Carnival of Personal Finance! Here at UPSIDE of Money we are thrilled to host some of the best personal finance writers /bloggers from this week.
Editor’s Choice submissions are listed first, then runners-up and others in no particular order.
Update: WWGD? What Would Grandma Do?
Sage advice for these crazy times from our favorite relative…
Dad’s frugal finds: Tips from the tip
World’s Best Dumpster-Diving Dad.
Travel Cheap? Yes and No!
Wash your clothes, then walk around for them to dry and other travel tales…
An Uncommon But Brilliant Money Move for Young Couples
Let’s see, now was that 2.3 kids or 3.2 dogs?
Can Identifying With Your Future Self (Via Age Morphed Photos) Get You To Save More For Retirement?
Yep, that’s my good side.
Chrometophobia – Fear of Money
The only thing we have to fear… is money itself.
Paula @ AffordAnything.org from AffordAnything.org presents An Open Letter to Early Tax Filers, and says, “Why I never file my taxes early — but admire the people who do.
Squirrelers from Squirrelers presents Move Over Maslow: Here’s the Personal Finance Hierarchy of Needs, and says, “Much like Maslow’s hierarchy of needs, we all just might have our own Personal Finance hierarchy of needs. This post illustrates a framework by which we can look at our needs for money.”
Jeff Rose from Good Financial Cents presents 4 Easy Ways To Make Money On The Weekend
But, Wait, There’s More… thanks to all for such strong submissions…
Len Penzo from Len Penzo dot Com presents The Top 40 Ways to Raise Your Credit Score
Silicon Valley Blogger from The Digerati Life presents 10 Steps To Balance A Checkbook, and says, “Here are some clear cut steps to balancing a checkbook. ”
Suba from Wealth Informatics presents Spousal IRA, and says, “Stay at home parent can also save for retirement in a tax efficient vehicle.”
RJ Weiss from Gen Y Wealth presents Regular IRA vs. Roth IRA | Choosing Between a Traditional versus Roth IRA, and says, “Choosing between a Traditional versus Roth IRA, is one of the first BIG investment decisions you’ll make. With 40+ years of compounded returns ahead, your decision has large implications. ”
David Weliver from Money Under 30 presents How much do you (really) need in your emergency fund?, and says, “It’s one of the most-asked question on probably any financial blog…just how much DO you need to save for a rainy day? Three months? Six months? I point out some expert opinions and then put it to you—the readers—to try to figure it out.”
Roger Wohlner from Chicago Financial Planner presents Are Target Date Funds On Target for You?, and says, “Target Date Funds are a fixture in many 401(k) plans. They are a good idea in concept, the execution has not always been terrific.”
Amanda from My Dollar Plan presents Eliminating Preexisting Conditions in Health Insurance
Philip from PT Money: Personal Finance presents Traditional and Roth IRA Income Limits
Jeri Ford from Help Me Travel Cheap presents 10 Ways to Reach a Credit Card Minimum Spend Requirement
N.W. Journey from Net Worth Journey presents How to Read and Understand Your Credit Report
Craig Ford from Money Help for Christians presents 3 Ways to Deal With a Declining US Dollar
Darwin from Darwin’s Money presents 45% of Americans Pay No Taxes
Junior Boomer from Consumer Boomer presents Questions to Ask When Choosing a Bank and Opening a New Account
PF Stock from PFStock presents Annual Income Survey Results
Mike from The Dividend Guy Blog presents Top Canadian Dividend Stocks – Is There Anything Good Besides Banks?, and says, “Canadian dividend stocks worth pursuing.”
IS from Intelligent Speculator presents Make your investment portfolio grow faster!!, and says, “How to improve your investment portfolio.”
Mike from Do Not Wait presents Real Estate as an Investment for Retirement: Series intro, and says, “Is real estate apart of your retirement?”
Mike from Green Panda Treehouse presents Healthy Everyday Habits to Save Money Later, and says, “Ways healthy habits can save you money.”
Mike from The Financial Blogger presents Financial Planner Vs Stock Broker Who’s Who?, and says, “Describing both jobs and their importance.”
FMF from Free Money Finance presents Save 97% of any Windfall, and says, “If you save the vast majority of unexpected funds over a lifetime, you’ll ultimately become quite well off.”
Echo from Boomer & Echo presents Save Money Purchasing Beef in Bulk, and says, “I’ve thought about purchasing beef in bulk to save money, but I never knew where to buy it, how much it costs and what kind of storage capacity was required.”
Travis Pizel from My Journey Out Of Debt presents Would You Lie to Your Wife to Save $1.29?, and says, “I blog for CareOne Credit Services, under the heading of “My Journey Out Of Debt.” Thank you for considering my blog post for your Carnival!”
Kaye from Mrs Nespy’s World presents Things My 21-Year Old Self Didn’t Know, and says, “Over the last 10 years I have learned a lot about finances…here are a list of the things I would tell myself if I could travel back in time.”
Peter from Bible Money Matters presents Lessons From Warren Buffett, and says, “In a day where greed and corruption are the top news in finance, it’s refreshing to read and learn from someone who stays true to his word – especially when he’s managing billions and billions of dollars.”
Mr. Money from Smart On Money presents President Obama Signs Repeal Of 1099 Tax Reporting Provision Of Health Care Plan, and says, “The stringent new 1099 tax reporting requirements put in place by the Health Care Reform law last year have now been repealed. Here are the details.”
Mike Piper from Oblivious Investor presents Investing in the Face of High Inflation, and says, “Many investors are convinced that high inflation is on the way. If that’s the case, what’s the way to protect your portfolio?”
D4L from Dividend Growth Stocks presents 10 Dividend Stocks For Healthy and Wealthy Retirement, and says, “Americans are worried that they might not have enough money for retirement. Women who outlive their husbands are at special risk, with 40 percent of widows living almost exclusively on Social Security. There are a lot of worried retirees out there. Here are some things we can do about it today for a healthy and wealthy retirement tomorrow…”
Clint from Accumulating Money presents How to Reduce Your Property Taxes, and says, “Thanks!”
Kanwal Sarai from Simply Investing Blog presents Most People Will Never Be Rich, and says, “Most people will never be rich. Why? Because most people (the middle class) are investing the same way as everyone else, and everyone else is not rich. The middle class are not wealthy, and if you are going to investing like the middle class then statistically speaking you will never be wealthy. You have to change the way you think and act about investing in order to achieve financial success.”
Bret from Hope to Prosper presents Real Estate 101 – Renting vs. Owning, and says, “One of the common themes that get kicked around the financial blogosphere is the debate between buying and renting a place to live.”
Eric from Narrow Bridge Finance presents Selling Out: Do Business People Have a Soul?, and says, “Would you invest in a company that you don’t believe in? Is it okay to make money off of “bad” products? Do you sell your soul to make money.”
Neal Frankle from Wealth Pilgrim presents Solve Debt Problems Without Getting Ripped Off, and says, “You can solve your debt problems in a variety of ways. One way is to use a debt consolidation company. But you should know that you probably don’t need these companies and they might even make things harder for you. If you value a high credit score, realize that going this route will make your life difficult.
Pat S from compounding returns presents Turn your IPhone into a Financial Toolbox, and says, “Automating your finances is key to cutting the human error out of investing and saving for the future. With the advent of mobile devices, it’s never been easier to make saving automatic. We look at 8 great ways to use your IPhone to automate your budgeting and saving.”
Jim Wang from Bargaineering presents Most Common Credit Report Errors
Abigail from CreditDonkey presents Do You Need Baggage Insurance?, and says, “Planning a summer vacation? You can skip paying for baggage insurance if your credit card offers it.”
Ken from Spruce Up Your Finances presents American Opportunity Credit: Why It’s Called An Expanded Hope Credit
Dana from Not Made of Money presents Is There A Downside To Prepaid Debit Cards?, and says, “Prepaid card issuers make their money primarily by the myriad of fees that they charge. These fees can be outrageous, and many of them are hidden from the average consumer – who is just happy to have a piece of plastic to carry around in their wallet! ”
Matthew Paulson from Audiobooktopia presents Get Your Financial House in Order with These Five Personal Finance Audiobooks, and says, “Thank you for hosting!”
Kyle Berks from Integrated Loans presents Qualifying for Personal Loans after Bankruptcy Discharge, and says, “It is not easy to pick up all the pieces after a bankruptcy as well as qualifying for a personal loan, but despite the fact that it may not be easy, it is definitely not out of the question.”