Carnival of Money Pros – February 10, 2013

I am very excited to be hosting the Carnival of Money Pros this week. Check out these great posts! The Carnival of Money Pros is brought to you to by the Money Pros Team, and you can submit articles at Blogger Carnivals.

Roger Wohlner @ The Chicago Financial Planner writes Choosing the Right Financial Advisor – Key Considerations – With the holidays behind us and taxes on the horizon, many folks are looking to find a qualified financial advisor who is right for their situation. Maybe getting your finances in order was a New Year’s Resolution. Perhaps you’ve realized that retirement is getting closer. Whether you will be looking to work with a financial advisor for the first time or feel that your current advisor isn’t meeting your needs, here are some issues for you to consider in your selection process.

William @ Quote Me A Price writes Annuities and Structured Settlements: What�s the Difference? – Annuities and structured settlements have many similarities, and you might even make the mistake of thinking they are the same thing. Sure, they both pay regular payments to the people they are owed to over a specified time period, but the way state and federal laws see these two types of payments confirms that they are indeed different things.

Michelle @ Making Sense of Cents writes $6,523 in January Extra Income and GOALS – Yes, you read that correctly, I beat my goal that I made in December, and I made $6,523 in extra income in the month of January! After expenses, I made $5,823 for the month of January. I thought the goal that I set was pretty high since I made $5,570 in December (and thought that was hard). I still can’t believe that I am doing so well, when just one year ago my extra income was at around $100 per month.

Michael Kitces @ Nerd’s Eye View writes Understanding Marginal Tax Rate Vs Effective Tax Rate And When To Use Each – Effective investment decision making requires accounting for both economic and tax consequences. Unfortunately, though, many people are confused about which tax rate to use… so this article lays out exactly which ones to use and when!

Steve @ 2012 Taxes writes Higher Mortgage Rates In 2013? – The news that renters and home buyers do not want to hear is that 2013 will almost certainly see higher housing costs, higher rents and various mortgage fees.

Robert @ The College Investor writes 5 Best Investing Books to Get Started Investing – These books are designed for the beginner, but still have a lot of solid topics that any level investor can use. Here is my take on the five best investing books to get started investing!

Robert @ My Multiple Incomes writes My Guide to Finding and Hiring a Virtual Assistant – Since this has been one of my most popular topics, I’ve also created a total Virtual Assistant Guide to help anyone find the tools that they need to hire the right help and the right time. Here’s my guide to finding a virtual assistant for your needs.

Robert @ Entrepreneurship Life writes Tasks You Can Easily Outsource to a Virtual Assistant – Some jobs are easy to take care of yourself. Others are a bit tedious, time consuming, and distract you from making more money or running your businesses efficiently. For those jobs, you can hire a virtual assistant to take care of them for you.

Robert @ Kids Ain’t Cheap writes Introducing Solid Foods – Individually baby foods are not super expensive, but if you consider how many jars you’ll buy over the months that your child will eat non-table food it adds up!

Jeff Rose @ Good Financial Cents writes Mindset of a Millionaire – What do you think of when you imagine being a millionaire? Do you think you can buy the newest Jaguar, a $10 million estate? Do you imagine that riches are something that you will only acquire through incredible good luck? Do you know that a millionaire mindset can also be learned? Think like a millionaire now with these suggested tips.

Jon @ Pay My Student Loans writes 120 African American Grants and Scholarships – This article was years in the making, as I researched to attend school I kept an excel spreadsheet off all the grants I found, When I graduated and had to pay off a few of the student loans I had I found this site (PayMyStudentLoans.com) and thought it would be a great place for me to share my research with others. I really hope that the hours of research I have poured into this list over the years will help make the dream of higher education a reality for someone.

Lance @ Money Life and More writes Am I Crazy? Not Taking the Optimal Financial Path May Be the Right Decision – As a personal finance blogger I often pressure myself to make the best financial decisions possible so I can be a good role model to my readers. However, at times I feel like I need to do something I want rather than what makes the most sense financially. Read on to see what has been occupying my thoughts all week.

Mike @ The Financial Blogger writes Get Your Things Done 100% of the Time – How to get your work done!

Green Panda @ Green Panda Treehouse writes Why I Haven’t Bought an iPad Yet – Are you saving your money?

Div Guy @ The Dividend Guy Blog writes How To Move Away From Mutual Funds and Open an Online Broker Account – Will you move away from mutual funds?

Glen Craig @ Free From Broke writes Should You Break Up With Your Credit Card? When to Move On – Just like a relationship that isn’t working for you there comes a time when you should break up with your credit card. See when it’s time to move on.

Dividend Growth Investor @ Dividend Growth Investor writes Should dividend investors hold on to Abbott (ABT) and Abbvie (ABBV) following the split? – On January 1, 2013, Abbott Laboratories split into two companies, one which retained its name Abbott Laboratories (ABT), and another named Abbvie (ABBV).Since both companies have not had a chance to operate for long periods of time, I would simply hold on to my position.

Martin @ Studenomics writes How Can You Kill That Annoying Credit Card Debt? – Your resource for crushing your debt.

MR @ Money Reasons writes Dark Side of an HSA – After particapting in an HSA for more than five years, I’m doing to reveal the dark side of an HSA account. This is something that affect the middle classes that nobody talks about.

Kyle @ The Penny Hoarder writes How to Get a Free $54/Month for the Rest of Your Life…. – I’ve made a living over the past few years coming up with ways to make money that range from the genius, like my idea to make money buying beer, to those that border on the ridiculous, like my idea to start a cricket farm.

Jon the Saver @ Free Money Wisdom writes The Simplicity of Living Beneath Your Means – Living below your means is truly an amazing feeling. Gone are the days of spending too much, start investing and living smart!

Maria @ The Money Principle writes Take charge of your finances: focus on ‘wants’ rather than ‘needs’ – Making decisions about finances by satisfying needs is a long standing mantra in personal finance. Here I argue that mastering wants is the way to go.

Jason @ Work Save Live writes 5 More Easy Ways Everybody Can Save Money – Considering the difficulties in today’s economy, it’s certainly a time to cut expenses. Saving money by eliminating unnecessary purchases leaves you a nest egg for when you really need it. In addition, saving money helps you pay down existing credit card or other bills.

TDB @ Tax Deduction Blog writes The New 411 on Job Search Tax Deductions – What expenses are deductible for your new job search? Here is a handy list of 7 guidelines that makes your job search expenses tax deductible

Daisy @ Add Vodka writes Spring Cleaning For Your Finances – It’s not quite spring yet in the great white North, but it was 8 degrees (46.4 F) in my region today and sunny, so that counts for something. Whenever it starts getting spring-like out, I get excited to start spring!

Eddie @ Finance Fox writes Do You Carry The Wrong Credit Card? – This question applies to literally millions of Canadians – 85 per cent of us carry a credit card, according to the Financial Consumer Agency of Canada

Hank @ Money Q&A writes Where To Invest $1,000 In Today’s Market – Here are ten excellent places where to invest $1000 today. While you’ll see some of these ideas are using the term investing loosely, it is investing in the broader sense of the word.

SBB @ Simple Budget Blog writes Simplify Budget: Ways to Lower Your Transportation Costs – In an effort to simplify our budget and make managing our finances easier, I’ve looked for new ways to reduce our household spending on transportation. The majority of our transportation costs comes from fuel and car maintenance, but I know everyone’s situation is different.

Jen @ PF Carny writes Steps to Determine If You Are Ready to Open Your Own Business – If you are working for “the man” at a 9 to 5 job, you may dream of nothing more than venturing out on your own and being your own boss. This is the true American dream, and in this age of the Internet, it has become a reality for many people.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes LIVE A WEALTHY LIFE; MY DAY AT HABITAT FOR HUMANITY – Wealthy living through service to others; more money too.

Jen @ Master the Art of Saving writes Saving Up Money To Pay Cash For A Car – So how in the world am I going to be able to save that much money in such a short time? Well, I’m not certain that I will, but I’ll definitely give it a go. Here’s my plan:

Corey @ 20s Finances writes The Hidden Costs of Renting – It’s important to understand that while homeownership has many costs (perhaps more costs than you are aware of), renting has its own unique costs that are worth considering before becoming a renter for life.

Tushar @ Earn More and Save writes The Lowdown on Frugal Living – Discover the real deal behind frugal living – what the trend is all about, why you should try it, and how the lifestyle can help you save a boatload of money.

Mandy @ Money Master Mom writes Getting Over the Fear of Asking – Are you like me? Does it make you uncomfortable to ask for a discount? Here are 3 examples of big benefits from asking simple questions.

Crystal @ Budgeting in the Fun Stuff writes I Don’t Believe in “Good Debt” – I simply don’t think of any debt as good debt. This doesn’t mean that I treat all debt the same, but I don’t see any of it as a good thing.

ETZ25 @ Entertainment Timez writes Is AIG The Perfect Stock? – Is AIG the perfect stock for 2013? Read why I think this stock has legs and we’re betting that 2013 will be a great year for us.

PPlan @ Provident Plan writes Increasing the value of your home – The economy has probably tanked the value of our house, but there are things we can do to increase its value.

harry campbell @ Your Personal Finance Pro writes An Argument for the Social Security Program to Continue – There are very few programs in the US which are understood less than the Social Security program. You’ll hear a lot of mis-information about Social Security. “You’ll never get what you put into it!” “I’ll be lucky to get anything.” So on and so forth. The mis-information you hear contributes to giving the Social Security (SS) program a bad rap. I contend, however, that there is not better bang for your buck than the SS program – especially after adjusting for risk.

Michelle @ The Shop My Closet Project writes I’m using my SH$T January-a no more buying product manifesto – read my no more buying product manifesto!

Jennifer Lynn @ Broke-Ass Mommy writes Time to establish financial and savings goals for 2013. – Yep, now is the time to establish financial and savings goals!

Chris @ BudgetWays.com writes How To Save Money With Cheap Car Insurance – Most people spend at least a thousand dollars on car insurance, and if you have kids or multiple cars, you’re probably spending at least twice that. Learning how to buy the right type and amount of coverage, while applying for discounts is essential to saving yourself a few hundred dollars a year with cheap car insurance.

Gary @ Gajizmo.com writes Advantages and Disadvantages of Mutual Funds – Mutual funds are among the most popular investment vehicles in the marketplace and represent a multi-trillion dollar industry, but do retail investors know the pros and cons when deciding if investing in a fund is best for them? In this article, we analyze and explain the advantages and disadvantages of mutual funds to help you determine if investing in one makes sense with your financial needs and goals.

Passive Income Earner @ The Passive Income Earner writes Dividend Stock Analysis: Tim Hortons (THI) – Is THI a worthy investment at this time? Did it saturate its Canadian market?

Simon @ Your Wealth Planners writes Dealing with Debt – An IVA may be the Answer – February can be a depressing month as it is without having to worry about debt on top.

Mary Rhodes @ Fine Tune Finances writes Is There Such Thing as Good Debt? – “Debt” is a word many of us have learned to fear. But having debt, to a certain degree, is not always a bad thing. There is such thing as good debt versus bad debt, and you may be in a position to put your mind at ease if your debt falls into the positive category.

Tushar @ Start Investing Money writes Editions TV Show Looks at 4 Reasons to Buy a Second Home – Editions TV with Terry Bradshaw looked at a few reasons to avoid buying a second home. Now Editions takes a look a four reasons you should consider buying one.

John @ WILD about Finance writes 16 Ways to Save Money on your Bills this Winter – With winter in full flow, and everybody still struggling to get their finances sorted out after the festive period, theres no better way to save on your monthly bills, and here are 16 ways how

Michelle @ Making Sense of Cents writes How To Start A Blog – Tips for a Beginner – I receive e-mails nearly everyday (and most of the time multiple times everyday) about blog tips and how to start a blog. I will say this now, I do not consider myself an expert in making a blog at all. That’s pretty much a given right? I have made many mistakes and have now decided that I will make a weekly series on having a blog and tips (and also mistakes).

Suba @ Broke Professionals writes Planning My European Vacation: Getting A Passport – After revisiting my financial priorities to put traveling at the top, I’m ready to plan my European vacation. Step #1? Getting a passport!

Aloysa @ My Broken Coin writes What No One Ever Tells You About Costa Rica – Get my personal inside scoop on my vacation to Costa Rica, and things to watch out for and beware of!

Jester @ The Ultimate Juggle writes Will Our Kids Have Wealth Building Opportunities Like We Had? – Are there less wealth building opportunities for kids in the future? I think this is a possibility and explain why I think so.

Lazy Man @ Lazy Man and Money writes Ask the Readers: Is This Trading or Investing? – It’s been awhile since I’ve given an update on some stocks that I’ve been “travesting” in. I just made up travesting as a combination of trading and investing. Previously, I had mentioned how I had this crazy stock trading idea: buying because someone else paid a lot more for it.

Peter @ Bible Money Matters writes ReadyForZero Review: A Program to Help You Pay Down Your Debt – ReadyForZero is a valuable tool for those who want to get out of debt, and best of all, it is free! As long as your accounts link without trouble (unlike mine), and you want to pay off your debts based on the highest interest rate instead of the smallest debt, ReadyForZero is an excellent tool to use and may just help you get out of debt faster.

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!

William @ Quote Me A Price writes The Advantage of Utilizing a Structured Settlement Broker – If you need the money you have been awarded from a settlement immediately, selling your settlement to a structured settlement broker is a very good choice. Though, you should not try selling your settlement without the services of an expert in the field.

Ted Jenkin @ Your Smart Money Moves writes Three Money Lessons I Learned From My Parents – I don’t think we can often appreciate everything that happens to us growing up as a child.

MMD @ IRA vs 401k Central writes How Inheriting a Roth IRA Can Be a Great Tax-Advantaged Gift – One little known benefits of inheriting a Roth IRA is that you can designate it to someone after you die with little to no tax consequences.

MMD @ My Money Design writes Is the Conventional System to Create Wealth Rigged? – Is following conventional financial advice a rigged game? There’s got to be a better way to create wealth beyond simply saving for the next 30 years!

Ashley @ Money Talks Coaching writes The B Word: How To Create And Use A Budget That Will Change Your Life – I wrote an e-book! It’s called The B word: How to create and use a budget that will change your life. It’s on Amazon for a mere 2.9

John @ Married (with Debt) writes An Exciting New Life for Married (with Debt) – If you are reading this, you may be wondering where the heck I’ve been. No, this post isn’t an apology for a lack of activity. Instead, it is an announcement about the future of this site, and I’m happy to say, it’s looking bright.

Evan @ My Journey to Millions writes January 2013 Net Worth Update – Thank F’n God Its Over! – I am very excited to have made it out of January 2013 alive and without a drinking problem as it was filled with some great highs mixed in with some terrible, awful lows.

Jason @ Live Real Now writes I’m the Bad Guy – In a couple of years, I want to buy a $450,000 spread on about a dozen acres and let my wife’s dreams come true. Or, we could buy a couple of horses now and never have the money for a down payment.

Bank Free Credit @ Bank Free Credit writes How Do I Improve My Credit Score? – Most people don’t think seriously about their credit score until it is too late – when they are preparing to make a major purchase – such as a mortgage or a car. You need to improving your credit score before you get to this point.

Joshua Thompson @ Becoming Your Own Bank writes Bonds Outperform Stocks Over 30 Years – Bonds outperformed stocks over the last 30 years. What does that mean for your portfolio?

krantcents @ KrantCents writes Budgets and Diets Are a Waste of Time! – Budgets and diets are a waste of time! Most, if not all personal finance (PF) bloggers are probably surprised I would say that. A budget or diet is not the answer for overspending or overeating. If these things worked for everyone, there would be no debt or overweight people.

Grayson @ Debt Roundup writes What Not to do When You’re In Serious Financial Trouble – If you are in a financial problem, here are some things that you should not do in order to make your financial issue easier.

Kim @ Eyes on the Dollar writes Reformed Spenders Adjust to Life on Budget – This post shows that planning and budgeting can make a huge difference toward changing poor money behaviors,even for those who used to chronically overspend.

Invest It Wisely @ Invest It Wisely writes What Does It Take to Emotionally Succeed as an Entrepreneur? Here’s What I’ve Learned, One Year After Quitting My Job and Taking the Leap of Faith – It’s been about one year since I took my leap of faith and entered the world of self employment, so what does it take emotionally to succeed?

Sean @ One Smart Dollar writes What is a Currency War? – Most people have never heard of a currency war or are not fully aware of what it really is. By understanding the concept you will be able to understand how it can affect your investments.

Wayne @ Young Family Finance writes The Different Types Of Popular Retirement Funds – Workers need to survive when their working days are over. They need a regular source of income to pay their bills when they can no longer work. Thus, every worker needs a retirement plan for the rainy days ahead. Workers can choose from the different types of retirement plans available.

Daniel @ Sweating the Big Stuff writes How Much Did We Spend On Our Honeymoon? – We were planning on spending $3,500 on our honeymoon. We missed by…a bit.

Corey @ Steadfast Finances writes 9 Things Every New Graduate Must Buy – Graduating college and adjusting to real life requires a few common accessories. Find out what they are and how you can be prepared.

Carmen @ MyBestCarInsurance101.com writes How To Find The Best Car Insurance Quotes – As a former car insurance agent and broker, the top advice I provide for family and friends looking for the best car insurance is to just research. Review the different types of coverage you may need, understand your risk profile and the factors that may affect your premium, and ask for discounts. This article covers all these topics indepth.

Mike @ Personal Finance Journey writes Overseas Investment – Australian Real Estate Market – Easy ideas on investing in Australian Real Estate. Is this right for you and how it can benefit your financial plan.

Joe @ Midlife Finance writes 5 Ominous Signs That Your Elderly Parents May Need Help – When your parents live further away, it’s easy to forget that they’re changing, too. Eventually, they may need more help than you’re aware of right now. How can you tell?

CAPI @ Creating a Passive Income writes Become a Hobbyist: It’s a Passive Income Dream Come True! – Can you turn your hobby into a source of income? Find out how to start making money off of the thing that you love.

A Blinkin @ Funancials writes $999.99 Giveaway – What an incredible Superbowl. If I were to measure the entertainment, I would say: Michelle Williams; Commercials; Beyonce; Jacoby Jones; The game was extremely entertaining, but I wasn’t as impressed with the commercials.

Roger the Amateur Financier @ The Amateur Financier writes How You Can Tell If Your Boss Is Insane – Let’s be honest: if you work at most typical jobs, you probably think that your boss is a little…odd.

Miss T. @ Prairie Eco Thrifter writes Money & Marriage: How to Get and Stay on the Same Track – Here are some of my tips on how to get and stay on the same money track as your spouse.

Everything Finance @ Everything Finance Blog writes Types of Identity Theft: What Is Business or Commercial Identity Theft? – What many people may not be aware of is that business identity theft is also on the rise. This type of theft is also called commercial or corporate theft, and just like personal identity theft, it occurs when a thief uses a business’ line of credit for himself to open offices or merchant accounts.

Grand Per Month @ Grand Per Month writes Getting a Loan to Start a Money Making Business – Regardless of where you plan on borrowing the money to start a business, you want to make sure that you have a good business idea and good business plan in place. Having money does not make a bad business idea succeed. Only borrow as much as you need, but remember that under capitalization is a major cause of business failure. You want to have some cushion for slow months and manage cash flow well.

Penny Thots @ Penny Thots writes Top Mutual Funds of 2012 – According to US News and World Report, the following 10 mutual funds were the more popular funds in 2012 in terms of inflows (money being invested in the funds). Here is the list with the amount of inflows in parenthesis:

Little House @ Little House in the Valley writes Recognizing Financial Patterns – I had an “Ah ha” moment that is making me think differently about my spending and is motivating me to change some ways in which I do things. But just what is that pattern, you might wonder?

eemusings @ NZ Muse writes Does pay-what-you-want really work? – Can a business model that lets customers dictate pricing succeed?

Brad @ Structured Settlement Quotes writes Money Problems $999.99 Cash Give Away – Last month we hosted our first giveaway here at StructuredSettlement-Quotes.com. This month we continue the giveaway contest series by announcing the launch of our $999.99 cash giveaway. This contest will run until the end of February 2013.

Investor Junkie @ Investor Junkie writes Betterment Review – When we first reviewed Betterment, we gave them three and half out of five stars. This was mainly because of their high annual fees and limited asset allocation. With the decreases in their fees and some improvements in their service – Betterment is a much more viable option. Therefore, we now rate them four and half out of five stars.

Luke @ Learn Bonds writes Rolling Down the Yield Curve: How to Make Money by Waiting – One of the easiest and time tested strategies for making money investing in bonds is called rolling down the yield curve. Here’s what you need to know.

Don @ MoneySmartGuides writes 3 Ways to Save Money (A Lot of Money!) – I’m sure you are familiar with the “latte-factor”, which was popularized by David Bach in his Automatic Millionaire book series.

William @ Quote Me A Price writes Annuities and Structured Settlements: What�s the Difference? – Annuities and structured settlements have many similarities, and you might even make the mistake of thinking they are the same thing. Sure, they both pay regular payments to the people they are owed to over a specified time period, but the way state and federal laws see these two types of payments confirms that they are indeed different things.

Girl Meets Debt @ Girl Meets Debt writes Making My Cash-Back Credit Card Work for Me – Now I know what you are all thinking…I must be crazy to want to start using my credit card again after being so irresponsible with it in the first place but you know what? I am finally at a place in my life where I feel confident that I can and will use credit sensibly.

JP @ My Family Finances writes It’s a Buyers Market out there! Top tips for finding a bargain – In a market where home loans come at a premium and even the slightest oversight on your paperwork or research can force you to walk away from a home – and maybe your earnest money – knowing everything you can about the industry, the process, and the market before house shopping is more vital than ever before.

SFB @ Simple Finance Blog writes 5 Deadly Finance Mistakes New Graduates MUST Avoid – Here are the five deadly finance mistakes that new graduates should avoid, and what they should do instead to set themselves up for financial success.

Amanda L Grossman @ Frugal Confessions writes How to Host a Biggest Loser Competition at Work – While cleaning out the top drawer of my filing cabinet at work last week—I shamefully could no longer open the drawer nor close it—I came across several

Greg @ Club Thrifty writes My Credit Score: Why I Don’t Care and You Shouldn’t Either – Worried about your credit score? Don’t be. The credit score is one of the most deceptive tactics that lenders use to control your behavior. Here’s why.

Jules Wilson @ Fat Guy,Skinny Wallet writes Would You Believe More Car Trouble? – I’m sitting here at my mechanic’s shop once again. Yes, my car has overheated again!

Jules Wilson @ Faithful With a Few writes Would You Be Willing To Move To Another Country – My wife and I would watch this show sometimes and think about whether we could really pick up and move to another country. I couldn’t imagine going about my life in the U.S. and then waking up one day and trying to find a home and establish a new life in a new place.

Alan Webster @ 401kcalculator.org writes Why Your 401k Limit Is More Generous Than Ever – Your 401K limit is as high as it’s ever been. This post looks at how the 401k limit has changed compared to the rate of inflation

Scott Skyles @ Mortgage1a.com writes What Causes Fluctuation in Mortgage Interest Rates? – For anyone wondering just what causes fluctuation in mortgage interest rates, the answer is two-fold. While interest mortgage rates tend to go up and down due to supply and demand

John @ Card Hub Blog writes Ask the Experts: Where Do We Get Our Spending Habits From? – Are our spending habits learned, and if so, from where?

Lynn @ Wallet Blog writes Punting your Cable TV Bill – You can cancel your cable and fill the void with alternative TV-entertainment options While this is not an exhaustive list, it might meet your entertainment and budgetary requirements.

Will @ Card Guys Blog writes Don’t sunburn your credit card – This is the time when many people in northern areas start planning to head south for the winter. The problem many people face is that they have still not paid off all the Christmas expenses. But a mid-winter or late winter getaway does not have to break the bank.

John S @ Frugal Rules writes http://www.frugalrules.com/5-easy-ways-save-money-lost-due-payroll-tax-increase/ – The Payroll Tax Holiday went away at the beginning of 2013. Some families were prepared, some were not. This is a list of ways to help make up for that, or if you’re looking to live more frugal and save money in general.

Jon @ Novel Investor writes The Role Of Cash In Your Portfolio – One of the least covered aspects of investing is how cash plays a role in your portfolio. Yet it can be an important tool to help manage risks.

Mr.CBB @ Canadian Budget Binder writes Financial Advisors 101~Get The Inside Scoop – Know the right questions to ask your financial advisor so you are an informed investor. You are in charge of your personal finances so ask the right questions to get the answers you need to make informed decisions.

NoTrustFund @ Where’s My Trust Fund writes Creating A Budget – Create a budget using the balanced money formula

Dividend Growth Investor @ Dividend Growth Investor writes Four Consumer Stocks for a 2013 Economic Expansion – With the continuing rebound of the global economy for a fourth consecutive year, corporate revenues and profits are at record highs. US multinational corporations, which have substantial operations abroad, are very well positioned for the expansion in the number of middle class consumers in the developing markets.I expect the following companies to benefit from the rise of the middle class in emerging markets due to their strong brand names and because of their status.

Bryan @ BryanMaltier.com writes Whole Life Insurance – What Is It? Pros and Cons – Considering life insurance? By now, you must know what term life insurance is, but what about whole policies? Written by a former life insurance agent and broker, this article details the cash value component, how much coverage to buy, how it compares as an investment, payment options, and a brief comparison of different types of life insurance protection.

KK @ Student Debt Survivor writes Chained to Your Work? – Do you ever feel like you’re chained to your work? Can you be chained to your work if you’re not a, “big earner?”. I think so.

Matt @ Dividend Monk writes The Comprehensive Guide to Index Funds – A detailed overview of the simplest long-term investing method.

Steve @ 2013 Taxes writes The Debt Ceiling Crisis – Yesterday, the Senate voted to approve a measure that suspends the U.S. debt ceiling which translates to our country being able to at least temporarily pay bills.

JC @ Passive-Income-Pursuit @ Passive Income Pursuit writes How getting laid off was the best thing for my finances – Going through what brought me toward the goal of reaching early financial independence and keeping track of my finances.

Deacon @ Well Kept Wallet writes 5 Habits of Broke People – According to Websters Dictionary, the word “broke” means penniless. While there are people who have no money because of misfortune, there are many people who are broke because of their habits. Here are five habits of broke people that you should avoid if you want to become wealthy some day.

Edgar @ Degrees and Debt writes Saving Money on Gas via Shopping Programs – How to use shopping programs to save money on gas

Glen Craig @ Free From Broke writes How to Blog and Make Money – 5 Ways to Use Your Blog to Make Money – You’ve heard the stories of those who blog and make money. But how do they do it? Take a look at five ways you can use a blog to make money.

Jason Hull @ Hull Financial Planning writes Preventive Medicine Costs Less Than Reactive Medicine – In this article, we examine how much it costs to go to the gym and eat healthy throughout your lifetime rather than have to pay for the medical expenses which come later as a result of living an unhealthy lifestyle.

Marie at FamilyMoneyValues @ Family Money Values writes Opportunity Cost – At what price do you do the things you do? Could you be engaged in something that is better paying, more fulfilling, or more rewarding? What is your opportunity cost?

Emily @ PT Money Personal Finance writes Best Part-time Jobs with Benefits for 2013 – It might be more difficult to find companies that will offer benefits to workers, especially with the upcoming changes with the Affordable Care Act, but we know of 20 companies who do.

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Working Off Your Holiday Debt Overhang – The holiday season ended just a few weeks ago, but if you are like most people, the memory still lingers on – and you have the credit card bills to prove it. The holiday season can create large expenses that just beg for at least an occasional swipe of plastic. This post gives some tips on how to handle this holiday debt load and get back on financial track.

Emily @ Evolving Personal Finance writes Irregular Income: Gravy Edition – What do you do with irregular income that you don’t depend on for your living expenses? Are you succumbing to lifestyle inflation or saving it?

Steve @ 2013 Taxes writes Free Taxcaster App By TurboTax – You can get a free Taxcaster app by Turbotax for your Android tablet or phone with the recently released product from Intuit.

2 thoughts on “Carnival of Money Pros – February 10, 2013

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