Carnival of Personal Finance, Epic Edition

Today’s Carnival of Personal Finance is epic. I mean, there are so many posts to read! Bookmark this, and get a cup of coffee. You’ll need it.

First off, the week of September 29 – October 6.

Editor’s Picks:

Dorethia Conner from The Money Chat presents Obamacare Explained: Don’t have insurance? Your Next Steps, and says, “This article goes over your next steps if you don’t have insurance under Obamacare.”

Don from My Dollar Plan presents Is Shopping at a Dollar Store a Good Deal?, and says, “Most people think dollar stores are a great way to save money but are they all they’re cracked up to be?”

Robb Engen from Boomer & Echo presents 5 Challenges DIY Investors Face, and says, “It’s hard work to find the right investments and make good decisions consistent with your future goals and at a comfortable risk level. It’s tough to remain disciplined with your own finances.”

All Other Submissions:

Michael Kitces from Nerd’s Eye View presents Understanding The New Premium Assistance Tax Credit, and says, “Accompanying the launch of the new health insurance exchanges – with their insurance coverage set to take effect in 2014 – is the rollout of the new Premium Assistance Tax Credit, also scheduled to apply beginning in 2014. The tax credit can significantly reduce the out-of-pocket cost for health insurance by effectively capping premiums, and applies widely to individuals with income as high as $46,000 and a family of four earning as much as $94,200! The credit may have a significant impact on the ability of people to start their own business, change jobs, or retire early, knowing they will have access to health insurance and at a reasonable cost!”

Edward Antrobus from Edward Antrobus presents How Often Should You Shop For Car Insurance Rates?, and says, “Car insurance rates change all the time. You could be wasting a lot of money by not shopping for a new rate every so often. But how often should you look?”

Donna Freedman from Surviving and Thriving presents Writers: Stop undervaluing your work, and says, “Low salaries (or no salaries) lead to poor quality. Everyone loses. ”

Emily from Evolving Personal Finance presents Awesome Sign-Up Bonus Ratio with Barclaycard Arrival World MasterCard, and says, “Finally a credit card with a high sign-up bonus and a low minimum spending requirement! We just signed up and are expecting over $450 in rewards for $1000 in spending.”

Glen from Credit Card Smarts presents Review: Chase Ink Bold Business Card – Generous Travel Rewards and a 50,000 Point Bonus, and says, “The Chase Ink Bold business card is a travel rewards card that offers up generous points with the flexibility to choose how you will use them.”

Glen Craig from Free From Broke presents Not Every Baby Is Born Into Royalty But Yours Can Still Prosper, and says, “Little Prince George is already worth millions, if not more. Don’t fret though. You can still take steps to set your child up financially.”

Harry Campbell from The Four Hour Work Day presents “Unpaid Vacation vs. Regular Vacation “, and says, “One of the perks of having a day job is getting paid when you go on vacation. Most companies start employees off by giving them 2 weeks of vacation plus holidays but that never seems to be enough. A lot of employers(especially in my field: engineering) are actually starting to give an extra week around Christmas time to New Years since not much work gets done during that time anyways. So that’s about 3-4 weeks of combined vacation and holidays for the average worker.”

Harry Campbell from Your PF Pro presents Is Going Green Worth It?, and says, “I’m not sure what’s so attractive about farmer’s markets but I love going just to check out all the cool vendors, sample food and of course I usually end up buying a ton of stuff. Farmer’s markets in my area have evolved from selling just groceries to all different types of products like cheeses, butter, nuts and even restaurants are getting in on the action now.”

Nicole from Grumpy Rumblings presents Perspectives on $500, and says, “Nicole and Maggie ponder how $500 can seem like a big deal or not depending on life circumstances. Readers chime in with their own stories.”

Dividend Growth Investor from Dividend Growth Investor presents Do not despise the days of small beginnings, and says, “In this article I argue why it is important to start investing, even if you have small initial amounts of funds to invest. The most important thing about investing is simply to get started.”

Jason Hull from Hull Financial Planning presents DON’T Put Your Charitable Giving on Autopay!, and says, “If you put your charitable giving on autopay, then you’re losing one of the big benefits of contributing to charity. Read the article to find out why.”

Miss T. from Prairie Eco Thrifter presents Is Your Smartphone Putting You at Financial Risk, and says, “In many ways, you do need to treat your smartphone like your purse or wallet. After all, that’s what it’s starting to resemble.”

Connie from Savvy With Saving presents How To Save At Starbucks, and says, “If I have one vice when it comes to money, it is coffee. While I try to be frugal, I still need my morning cup (or two) of coffee everyday.”

Alexa from Single Moms Income presents Tips from an Insurance Agent: How to Really Save Money on Insurance, and says, “I have been an insurance agent for a little over a year now. Even though I sometimes complain about my job, I promise you, I know personal lines insurance like the back of my hand.”

Alexa from Defeat Our Debt presents How to Pay Off Payday Loans and Credit Card Debt, and says, “It is not uncommon to fall victim to payday loan scams and credit card debt. It is just so easy to swipe a credit card without even blinking. After quite a few swipes you are unable to pay your bills on time.”

Jon from Novel Investor presents Roth IRA Rules: Everything You Need To Know, and says, “The Roth IRA has its advantages. But is it a good fit for you? This guide covers everything you need to know about the Roth IRA rules and more.”

Eric from Narrow Bridge Finance presents How to Create Your First Budget, and says, “Your first budget is an important milestone when trying to take control of your finances. A budget is your own self enforced spending plan broken out by category. Here is a basic guide to get you started.”

Ray from Squirrelers presents 3 Ways to Go Green and Save on Transportation, and says, “Most of us like to save money. We can do just that with transportation costs, while also making good choices for the environment!”

Colin Williams from Humble Investors presents Building Wealth The Basics, and says, “A slide presentation that demonstrates the key basics for getting your investments right for your financial security.”

TTMK from Tie the Money Knot presents 6 Tips on Investing, and says, “Investing success often requires applying some principles to put the long-term odds in your favor. This post shares 6 tips to help in this regard.”

Martin from Studenomics presents Branding Tips For All 20-Somethings From a Dude That Hates Branding, and says, “How to set yourself for more opportunities with your career and your life.”

Natalie from Debt and the Girl presents 20 Truths You Learn in your 20s, and says, “I have been reading a great book called 101 Secrets for your Twenties by Paul Angone. It inspired me to come up with my own list of 20 truths that I find to be true since being in my 20s.”

Larry from KrantCents presents Job Applicants should be Careful about Online Identity Theft, and says, “Many identity thieves use bogus job applications as a means of gathering personal information from unwary job seekers. The last thing most of us think about when we are searching online for job opportunities is whether or not that application we are filling out could possibly be an identity theft scam.”

Justin from Root Of Good presents One Month Into My Early Retirement Adventure!, and says, “Yesterday marked the one month anniversary of my early retirement. Where did the time go? Why did I not accomplish more? It seems like just yesterday I was working, yet it also seems like an eternity ago.”

FI Pilgrim from FI Journey presents How Much Does Your Job Cost You?, and says, “We usually evaluate our budgets in terms of income and expenses. But how would removing your job costs impact your journey toward FI?”

Barbara Friedberg from Barbara Friedberg Personal Finance presents 17 Tips For Coping With Money and Life Problems, and says, “Money problems? Life problems? Learn actionable solutions to cope with money and life issues.”

Holly from Club Thrifty presents Is Making Money Blogging Wrong?, and says, “Last week, I wrote about how I earned a free weekend getaway using credit card rewards. And, for some reason, it rubbed a few people the wrong way.”

Monica from Monica On Money presents Do You Make These 9 Budgeting Mistakes?, and says, “Do You Make These 9 Budgeting Mistakes? We all make mistakes with our budgets, even those who seem to have it all together financially.”

Buck Inspire from Buck Inspire presents Why My Podcast Does Not Have Over 300,000 Monthly Downloads Like Entrepreneur On Fire, John Lee Dumas!, and says, “A name that has taken the podcasting world by storm is Entrepreneur On Fire\’s John Lee Dumas. Recently, I was reminded of his amazing story.”

Marissa from Thirty Six Months presents Why I Spent Twice My Budget on My Car, and says, “If you have been a reader for a while, you know my insurance woes, and my somewhat questionable driving record. I am not going to dispute that, but I am going to talk about how I ended up spending twice my budget on my car.”

Marissa from Finance Triggers presents Saving Money on Gluten Free Products, and says, “Gluten is wreaking havoc on diets these days. Most people think that this is a new trendy diet, and while it is not really a new ailment, but one that has been plaguing people for years.”

Sam from The New Business Blog presents How to be a Balanced Entrepreneur, and says, “When it comes to professions, being an entrepreneur is probably one of the most imbalanced. The reason is that there are extreme highs as an entrepreneur and, occasionally, crushing lows.”

Katie from IRA Basics presents Benefits of a Budget, and says, “Budget. It is a dreaded word, not one that instills ideas of grandeur and immense fun. It is also a word that is often neglected, an idea that most of us would rather not think about.”

Lily from Paying Debt Down presents Why Buying the Top Brand’s Stock is Almost Always a Good Idea, and says, “When it comes to things like cars, food, clothing and other products many people go for the top of the line brands, usually without even giving it a second thought. The reason this occurs is because they know that, in most cases, the brand that they are buying either is more reliable, will last longer, tastes better or looks better.”

Bob from Dwindling Debt presents Avoid these 5 Financial Blunders, and says, “The ability to retire with very few financial worries is the goal that millions of people working today have set for themselves. Avoid these mistakes that could ruin your financial plans.”

Hadley from Epic Finances presents Investment Tips to Reduce your Risk, and says, “When it comes to investing one of the best ways to make sure that you end up with a solid portfolio that, year after year, increases in value, is to simply keep your risk as low as possible. Here are some tips for how to do that.”

Lenny from Best Money Saving Blog presents Financial Advice that you Shouldn’t follow, as Recommended by Suze Orman, and says, “We put together some financial advice that you actually should not follow based on the words and opinions of one of the most respected financial advisors today, Suze Orman.”

Justin from Digit Fox presents A Collection of Some of the Best Apps for your Smart Phone, and says, “There are apps for grocery lists, games, calendars, notes, news and practically anything else you can think of. (Seriously, there is an app for practically everything!) Here are our favorites.”

Amy from Money Mishaps presents Are you Throwing Money Away? If You do These 3 Things, Yes, and says, “Science magazine just published a study that found that, if you are poor and also mismanage your money, it is possible that you might be able to make good financial decisions but more than likely you have trapped yourself into a vicious circle and cannot.”

Jack from Money Saving Ethics presents Credit Mistakes that Older Americans are Making, and says, “The cost of healthcare is rising, pensions to supplement Social Security have been going away for quite some time, savings are not growing due to lower interest rates and, most significantly, credit debt has seen a huge rise. Here are some of the biggest mistakes that older Americans are making with credit.”

Matt from Budget Snob presents Frugal Habits that may actually Cost You in the Long Run, and says, “When is a money saving habit not a good habit? When it actually cost you more money than it saves you.”

Jay from Daily Fuel Economy Tip presents Testing the Tips How the Gas Saving Tips Actually Measure Up, and says, “Unless you live in Siberia and use snowshoes to get around, you are probably aware that gas prices are at an all-time high. You know that, no matter where you look, there are tips for how to save gas, how to increase your MPG and how to save money at the gas pump.”

Oscar from Money is the Root presents Are BitCoins as Safe as Regular Money?, and says, “Bitcoins are a new form of virtual money that is being used around the world in order to avoid the pitfalls of governments, taxes and banks. While this may be the case, the big question is are they safer than regular money?”

Daniel from Make Money Make Cents presents How to Save Even More on Everyday Purchases, and says, “Creating a budget has become a normal part of any household to make sure the money coming in is being allocated correctly. This means finding ways to save on everyday purchases in any way possible.”

Michael Kitces from Nerd’s Eye View presents Should Equity Exposure Decrease In Retirement, Or Is A Rising Equity Glidepath Actually Better?, and says, “The traditional retirement wisdom has been that as retirees age, their exposure to equities and other risky assets should decrease. Yet recent research finds that perhaps the optimal “glidepath” is actually the exact opposite – that retirees should actually start with less in equities, and increase it as they age!”

Dividend Growth Investor from Dividend Growth Investor presents Long Term Dividend Growth Investing, and says, “The only thing that is constant in life is change. The world of dividend investing closely follows this eternal truth as well. ”

Finally, October 20-27.

Editor’s Picks:

Abigail Perry from I Pick Up Pennies presents Doing what you love is overrated, and says, “If you don’t have a calling, don’t sweat it. It’s okay to find fulfillment in something other than work. Maybe it’s more important to find it in life outside your job.”

Jay Fleischman from Consumer Help Central presents Why A Second Job May Not Solve Your Money Problems, and says, “Many personal finance experts recommend that you get a second job to get out of debt. Sometimes it’s a good idea, others times not. Here are the pros and cons you need to understand before submitting a resume.”
All Other Submissions:

Michael Kitces from Nerd’s Eye View presents Using I Bonds To Hedge Inflation And Rising Rates In Your Portfolio, and says, “Just over 15 years ago, the US Treasury began to offer I Bonds – a unique form of bond that pays interest adjusted each year for inflation. In the face of potential rising inflation, I Bonds may be especially appealing, though, as they provide a principal guarantee that ensures their value will not decline, even if/when/as rates rise!”

Martin from Studenomics presents Can You Reach Financial Freedom by 30? Hell Yeah!, and says, “How to finally plan for your freedom by 30.”

Big Cajun Man from THE Canadian Personal Finance Site presents Life is Pain, and says, “Whoever tells you that it is going to be easy to save money and live a balanced financial life, is full of crap.”

Jason Hull from Hull Financial Planning presents 4 Ways to Use Procrastination to Mop Up At Auctions, and says, “Whether you’re a buyer or a seller, you can use a psychological bias called the endowment effect to your advantage to get the most out of auctions.”

Adam from Adam Hagerman – Financial Coach presents I’ll Buy That For You! I Get Double Reward Points!, and says, “You shouldn’t buy things that you can’t afford just so you can get “double points”. ”

Jon from Novel Investor presents Year End Tax Tips For 2013, and says, “The end of the year is a great time to start your tax planning. Get a head start on your tax savings with these year end tax tips.”

Edward Antrobus from Edward Antrobus presents The Problem With the Trillion Dollar Coin, and says, “The trillion dollar coin is a way to wipe out the government debt and deal with the debt ceiling. But it would lead to rampant inflation and other problems.”

Pauline from Make Money Your Way presents Make money renting your car or vehicle, and says, “This post will show you on how to make money by renting your car or vehicle.”

Pauline from Reach Financial Independence presents Cheap DIY Halloween costumes: How to Make Fairy Wings, Wand and Crown, and says, “This post will show you how to make cheap DIY halloween costumes: How to Make Fairy Wings, Wand and Crown”

Sustainable PF from Sustainable Personal Finance Blog presents Adopting Minimalist Principles to Save Money and Live Sustainability, and says, “Congratulations! You have just finished paying for a wedding, which means you just spent the equivalent of a home down payment or a year of college on a single day. Now that the wedding’s all taken care of, your major expenses are over, right?”

saverspender from Save. Spend. Splurge. presents How does an almost 30-year old have over $300,000 saved while only earning $20,000 net a year?, and says, “How does an almost 30-year old have over $300,000 saved while only earning $20,000 net a year? She obviously had a lot of financial help but didn’t disclose that part which makes her situation unique and unrealistic.”

FI Pilgrim from FI Journey presents Get More Done: A Few Favorite Productivity Methods, and says, “We could all use some extra time in the day. Here is a list of a few of my favorite productivity methods that help me to get more done!”

Jason from The Money Makers presents Obama Signals Change by Appointing Janet Yellen to Run the Federal Reserve, and says, “President Barack Obama just announced that he is nominating Janet Yellen to run the Federal Reserve. The announcement heralded one of the most significant decisions in his presidency.”

Graham Clark from Moneystepper presents Free Online Giveaways – Pros and Cons of Hosting Competitions, and says, “One thing you can be sure of as a new blogger is that no one is going to automatically start reading what you write. It might be the best, wittiest, most life changing content ever, but unless people find you, they are not going to see it.”

Alexa from Defeat Our Debt presents Are These 3 Things Preventing You From Becoming Debt Free?, and says, “The journey to paying off debt can often be a long one. Depending on the amount of debt you have it could take months, or even years, to pay it back. And, paying off debt comes with its fair share of struggles.”

Alexa from Single Moms Income presents A Single Moms Perspective on Obamacare, and says, “Obamacare does not exactly have everyone jumping for joy. Some are for it. Some are against it. And many do not even understand it.”

Natalie from Debt and the Girl presents Finding Alternatives for Buying a Big House, and says, “Tthere has been a recent movement lately in buying smaller homes. Some people have gotten even more creative and have built homes out of structures like caves, storage sheds, and even cars! It may seem unbelievable but it is true.”

Larry from KrantCents presents I Am a Stud!, and says, “What makes me think I am a stud? One reason is I bought a fuel efficient car!”

Barbara Friedberg from Barbara Friedberg Personal Finance presents Diversification Strategy: How To Figure Out My Risk Tolerance, and says, “There are many risk tolerance quizzes online, all promising to tell you how much volatility you can tolerate. The truth is no one cares when their portfolio value increases. The only risk we worry about is the decline in value!”

Holly from Club Thrifty presents Working at Home: Pros and Cons, and says, “Ever since I quit my job to work from home, people have asked me if it is as awesome as it sounds.”

Monica from Monica On Money presents $25 Giveaway, and says, “$100 Per Month For An iPhone Is Not Frugal! My 2 year long contract with AT&T FINALLY ended this week! So I am excited to find a new (cheaper) cell phone plan and start saving some money!”

Buck Inspire from Buck Inspire presents Yelp For Food Help, and says, “We were a little behind schedule so by the time we finished checking in to Las Vegas, it was already past midnight. Our food options were limited”

Marissa from Thirty Six Months presents Barbados Luxury on a Budget, and says, “Many people consider budget and luxury to be at opposing ends of a financial spectrum. This is not necessarily always the case.”

Sam from The New Business Blog presents Entrepreneur Tips on Using LinkedIn from the Pros, and says, “Here are several tips and some great advice that successful entrepreneurs use to get lots more eyes in front of your content.”

Katie from IRA Basics presents What Does Business Capitalisation Mean?, and says, “A phrase often seen in business-related publication is that of business capital or business capitalisation. What does that mean?”

Bob from Dwindling Debt presents Can you Really Go Contract Free with your Smart Phone?, and says, “Today there are plenty of options that you can take advantage of once your current phone contract has expired.”

Lily from Paying Debt Down presents The Best Car Price Negotiation Tips, and says, “The average person absolutely dreads purchasing a new car for one simple reason; negotiating for the price. Successfully negotiating an excellent price on a new car entails some research, commitment, the right attitude and more than a little bit of patience.”

Hadley from Epic Finances presents An Excellent ETF fund: Vanguard Dividend Appreciation, and says, “If you are looking for a great vehicle to meet some of your financial goals, the Vanguard Dividend Appreciation (NYSEARCA: VIG) exchange traded fund (ETF) is definitely one you should consider.”

Lenny from Best Money Saving Blog presents How to Figure Out your Credit Score, and says, “The average person has a very basic idea about their Credit Score. It is either great, good or bad. But what exactly does your Credit Score really mean?”

Amy from Money Mishaps presents Airline Fees That Might Actually Be Worth Paying For, and says, “While most people are loathe to pay anything extra when traveling by plane, especially considering that it is so darned expensive already, there are actually a few extras that might be worth paying for.”

Jack from Money Saving Ethics presents 5 Things You Shouldn’t Look for in Your New Home, and says, “One of the most important aspects is to actually find the right house for you, something that can be exceedingly difficult for first-time buyers who do not have the experience of knowing exactly what they want.”

Matt from Budget Snob presents What Kind of Debt is the Worst?, and says, “We all know that carrying any kind of debt is not exactly a good thing but is there actually a wost kind of debt to carry?”

Jay from Daily Fuel Economy Tip presents Your Fuel Economy Cheat Sheet, and says, “One of the most important influencing factors for gas mileage is the one that is completely different from automobile to automobile; the driver.”

Oscar from Money is the Root presents The Facts about Socially Responsible Investing, and says, “Socially responsible investors care more about the impact of their investments then the actual money that their investment will make.”

Daniel from Make Money Make Cents presents The Boom in Posh Pawnbrokers, and says, “If you watch any TV at all you have probably at least glanced at some of the myriad Pawn reality shows that have become so popular as of late. Cash poor but asset rich Americans are turning to pawn brokers for short-term loans, something that has been dubbed high-class pawn brokering.”

Bryan from Gajizmo presents Easy Jobs That Pay Well, and says, “Unless you are inheriting millions, your career and income will be your primary source of wealth building. Here is a list of easy jobs that pay well, especially if you don’t have a degree or extensive experience.”

Syed Hussain from The Broke Professional presents Snowball vs Avalanche: Is it even a question?, and says, “My first carnival submission!”

Shawna from Money Misfit presents How To Save Money On Food When Traveling, and says, “I enjoy traveling but hate the extra costs, so I’m always looking for ways to keep costs low on a roadtrip. And since food is a big travel expense, this is the cheapest way I’ve found to lower those expenses.”


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