Carnival of MoneyPros – September 29th

This week we host the carnival of Moneypros! submissions for next week can be found here.  Hope everyone enjoys their weekend…(as well as their new Iphone 5)

Roger Wohlner @ The Chicago Financial Planner writes Lehman goes Bankrupt – Where Were You? – There are moments in history where we remember where we were or what we were doing at the time. Why should September 15, 2008 be on your on your list of days to recall where you were and what you were doing?

Lance @ Money Life & More writes 5 Reasons We Won’t Separate Our Finances When Married – When I eventually get married to my current girlfriend we are going to combine our finances. It is what makes sense to us and what will work best for us. We could decide to keep our finances separate but we have our reasons why we won’t. So why are we so against us keeping separate finances?

Shilpan @ Street Smart Finance writes The Salary You Want for Your Happiness – Have you ever assigned a dollar value to your happiness? A study from Princeton University’s Woodrow Wilson School concluded that $75,000 in annual salary is the tipping point for your happiness. Albeit I respect research from an Ivy League school, the street smart approach is always to leave no stone unturned to find the truth. If $75,000 is not the magic number, what is the salary you need to make for your happiness?

Dr. Dean @ The Millionaire Nurse Blog writes 8 Ridiculously Simple Ways to Save Time – If you want to get more out of your day, learn to prioritize and get rid of the time wasters.

Kim @ Eyes on the Dollar writes Have a Killer Fall Yard Sale – With fall now upon us, it’s the perfect time to declutter. This post offers tips on how to have a great yard sale, make some money, and donate to charity.

CAPI @ Creating a Passive Income writes 4 Steps to Declaring your Passive Income to the IRS – Do you know the tax implications of making a passive income? Here are four steps to declare your passive income streams to the IRS.

Ted Jenkin @ Your Smart Money Moves writes Teaching Kids Financial Responsibility – It’s Your Retirement OR Their College Education – For many parents in their 40’s, a loud and disturbing wake-up call is beginning to happen.

L Bee @ L Bee and the Money Tree writes How much for puppy? – New York can be a lonely place.This is my justification anytime someone asks me why I purchased my dog, Murray. Plus if you’ve ever seen his adorable face, you’d know how hard it is to say no to the little nugget. In fact, after recently watching the movie The Man in the Iron Mask I The post How much for puppy? appeared first on L Bee and the Moneytree.

SFB @ Simple Finance Blog writes Chapter 7 vs. Chapter 13 Bankruptcy – This post discusses the advantage, disadvantages and credit impact of both Chapter 7 and Chapter 13 bankruptcy. Which is a better option?

krantcents @ KrantCents writes I Always Wanted 911 Porsche Cabriolet! – I always wanted a Porsche convertible! It doesn’t stop there; I like Ferrari’s, Aston Martin’s, BMW’s, AC Cobra’s and much more. I like antique and classic cars too. Maybe it is a fantasy, a dream or a goal.

Sustainable PF @ Sustainable Personal Finance writes Green Camping Tips – Green camping is not only a no brainer it is very easy to do. Here are a number of green camping tips anyone can use.

John @ Married (with Debt) writes Life Insurance for Working Women – I’m not sure why, but my wife and I have never really talked about needing life insurance for her. Of course she reminded me year after year that I needed to get life insurance in case I died, something I finally did last year.

Teacher Man @ MUM writes What’s the Average Salary with a Masters in Project Management? - One of the more popular academic degrees that have become more prevalent in recent years involves the study of project management.

Gen Y @ Gen Y Finance Journey writes How Did We Wind Up Here – I take a look back at how my upbringing affected the financial decisions I made early into adulthood and question how parents can help their children avoid those mistakes.

Invest It Wisely @ Invest It Wisely writes You Don’t Have to be a Born Entrepreneur – Well, I’m proof that anyone can be an entrepreneur, whether they’ve been dreaming about it since they were kids or only since yesterday. I’m Not a Born Entrepreneur

Debt Guru @ Debt Free Blog writes Pros and Cons of Debt Consolidation – Debt consolidation may not be the best thing for those in debt. Find out what the pros and cons of consolidating your debt.

Crystal @ Budgeting in the Fun Stuff writes Where to Go for Your Roth IRA Needs? – One of the better options in the realm of asset management is investing in a Roth IRA, or Individual Retirement Arrangement. Where to go for a Roth IRA?

TTMK @ Tie the Money Knot writes Working Mothers, Careers, and Double Standards – In theory and in many cases law, we should all be treated equally in the workplace. However, in the case of popular perception, things can be a bit difference. This post discusses working mothers (and non-working fathers), and how career choices are often viewed differently.

Tushar @ Start Investing Money writes What Kind of Average Returns Can You Expect on Mutual Funds? – This Post was Originally published at What Kind of Average Returns Can You Expect on Mutual Funds? on Start Investing MoneyIf you’re thinking about investing in mutual funds it makes sense you’d want to look into the potential returns you could expect first. Diving in with no knowledge of what to expect is a great route to disaster.

Ray @ Squirrelers writes Is Being Risk-Averse Good or Bad for Your Finances? – Some people have a righ risk tolerance, others don’t – with plenty falling in between. Where do you rate yourself, and do you think risk-aversion plays a big role in one’s financial success?

Suba @ Broke Professionals writes Making The Most Of Your Retirement – Making The Most Of Your Retirement is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. “So where are you from?” the driver of the shuttle asked my husband and me as he drove us around Walt Disney World on our recent vacation.

Corey @ 20s Finances writes Invest In Yourself – Find out how following your dreams and investing in yourself can improve your life. Stop sitting around waiting for life to come to you.

IMB @ Investing Money writes Invest Money or Pay off Debt First? – Do you have debt that you want to pay down? Is it keeping you from investing? Find out if this is the best approach for growing wealth.

Ashley @ Money Talks Coaching writes Review of Cash Flow 101 The Game – I went to play the game Cash Flow 101 the other night. Here is my take on the experience!

Michael Kitces @ Nerd’s Eye View writes What Makes Something An (Alternative) Asset Class, Anyway? – Many investors have been seeking better portfolio diversification by investing in \”alternative\” asset classes with a low correlation to traditional investments. In an increasingly complex financial world, though, having a low correlation alone can actually be a remarkably poor and misleading indicator of what constitutes an (alternative) asset class.

A Blinkin @ Funancials writes Who is More Powerful – Barack Obama or Ben Bernanke? – In my last article, I asked the question: (Are Republicans or Democrats Better at Reducing Unemployment?) The comments and emails I received gave me confidence in my (average) reader.

MR @ Money Reasons writes Fincon12 – A Unique Perspective – Part 2 – This is my 2nd part on my look at Fincon12 – A Unique Perspective! This year it even had more value to me that the 1st year!

Aloysa @ My Broken Coin writes How To Marry Your Equal – When I say about marrying your equal, I do not refer to a social status or a paycheck. Equal to me means anything but status. Money, a big house, a sporty car, a big savings account does not make you equal. Read my definition

CAPI @ Creating a Passive Income writes 4 Steps to Declaring your Passive Income to the IRS – Do you know the tax implications of making a passive income? Here are four steps to declare your passive income streams to the IRS.

TRL @ The Retired Landlord writes Reluctance to Home Insurance – According to a recent poll, half of those renting their homes and aged under thirty- five do not have any form of home insurance.

ETZ25 @ Entertainment Timez writes Difficulties Convincing Kids To Invest Money – Strategies to convince kids to invest money in the stock market! Read my concerns and the options that I am pursuing.

Eddie @ Finance Fox writes Are Daily Deals Actually Deals? – Companies who participate usually receive a very small amount of money back from what is sold. Most daily deal sites give the company 50 Percent of the deals that are sold.

TDB @ Tax Deduction Blog writes Brand New Spouse, Brand New Tax Issues-Enjoy – Awww, welcome back from you honeymoon in Bali, where the sun, sand, fragrances, and food provided a surreal paradise for you and your new spouse. You probably had a great time honeymooning and are looking forward to continuing that loving feeling now that you are back in the States. Unfortunately, you got married on February…

Jason @ Work Save Live writes Is it Necessary to Buy a House? – Should You Buy a House? Whether it’s friends, family, or colleagues, it seems like everyone these days wants to buy a house.

JP @ My Family Finances writes Your Net Worth Is Lying to You; Don’t Let Your Family Be Fooled! – It’s not good enough to simply seek maximum net worth and leave costs out of your financial decisions.

MMD @ My Money Design writes My Dividend Paying Stocks Income Report – September 2012 – Here are the results of my 2012 Quarter 3 dividend paying stocks. Dividends are a great way to creative passive income, lower tax payments, and retire early.

Amanda L Grossman @ Frugal Confessions writes Oprah is Missing One Element in Her Definition of Luck – Oprah’s Definition of Luck: Where opportunity and preparation meet.

Greg @ Club Thrifty writes How to Be Rich As aLannister – Have you ever heard the saying “rich as a Lannister?” While owning all the gold in Casterly Rock may be unrealistic, becoming independently wealthy isn’t.

Kyle @ The Penny Hoarder writes How Does Our Credit Card Debt Compare to the Rest of the World? – As a collective continent, our money is burning a proverbial hole in our pockets. Except, it’s not quite our money. It’s our credit cards.

Maria @ The Money Principle writes How to buy your first commercial property – If you are in business you are likely to need premises. This is a simple guide to buying commercial property.

Rich @ Growing Money Smart writes What One Skill Is Holding You Back From Being Rich? – What one (or two) skills are holding your back from accomplishing your dreams? Identify the weakness and work on it daily, soon you’ll find that you aren’t as weak as you thought.

Jester @ The Ultimate Juggle writes Juggling Money Issues – Life Insurance – Spending money on a life insurance premium is difficult. Find out whether the premium is worth it for your family.

Roger the Amateur Financier @ The Amateur Financier writes World Domination 102 – Building a World Conquering Fortune – Humorous column on how to generate enough money to conquer the planet and work to build up your planet conquering fortune for fun and profit

Ryan @ Early Retirement Investments writes Take Control of Your Investment: Trade Forex – Take control of your investments and consider Trade Forex!

Tushar @ Finance TUBE writes Top 5 Financial Websites for Mothers – Today we will talk about the top 5 financial websites for mothers. With high divorce rates and single mother hood, women are often lucked with full responsibility of the entire households. Fortunately there are now many internet websites to cater the women’s weak financial needs. Our Families Our Future: http://www.ourchildren-ourfuture.net/default2.aspx.

Rod @ ROD Blog writes British Airways Visa Signature card : 100000 points promotion – British Airways Visa Signature card with 100000 points promotion is back. Sign up and earn the points for a free business class round trip ticket.

Daniel @ Sweating the Big Stuff writes What’s The Difference – Realtor vs. Real Estate Agent – You’re about to buy your first home and you want to work with a professional to guide you. You’ve got two options: a Realtor or a real estate agent.

Don @ MoneySmartGuides writes Are Unions Bad for the Economy? – If you haven’t heard, the teacher’s union in the city of Chicago is striking. Last summer, there was a standoff between the governor of Wisconsin and the public employees union.

Wayne @ Young Family Finance writes Dangers of working without professional indemnity insurance – One thing that you would not wish to be now is a banker who was involved in the recently reported misrepresentation of Libor, and who had failed to ensure that he had adequate professional indemnity insurance (PII). Neither would you wish to be the insurer of bankers who do have adequate cover.

Jen @ Master the Art of Saving writes Getting The Best Deal on Large Purchases – Aside from trying to find our new refrigerator on sale, clearance or as a returned or damaged item, there are other things we can do to make the deal even……

Luke @ Learn Bonds writes Bill Gross is Bullish On Municipal Bonds (Bearish On Treasuries) – Why Bill Gross sell off his treasuries and up his exposure to municipal bonds, and what can investors learn from his recently move.

PITR @ Passive Income To Retire writes Truly Passive Real Estate Investing – Find out how I found a way to invest in real estate without spending any time managing my money. It’s truly passive!

SBB @ Simple Budget Blog writes Budgeting Should Be Fun – Do you ignore budgeting because it is too much work or seems to boring? Find out how you can make it budgeting in order to improve your finances.

PPlan @ Provident Plan writes Investing Principle: Diversification – Any smart investor is going to look to look to both protect their investments while also securing the best return possible.

Hank @ Money Q&A writes ReadyForZero Helps You Take Control And Get Out Of Debt – ReadyForZero helps you take control and get out of debt by making good financial decisions. This free platform helps users manage your credit cards, student loans, mortgages, and more to get a full picture of your finances.

Corey @ Steadfast Finances writes How to Save Money Shopping – It’s that time of year where we will all start looking ahead to Christmas.

Kanwal @ Simply Investing writes Can You Learn Investing From a 106 Year Old? – Irving Kahn is an American value investor and money manager and the oldest living active investment professional at 106. He was an early disciple of Benjamin Graham, the creator of the value investing methodology. In his own words, here is some investing wisdom: “You stick to value, to Benjamin Graham, the man who wrote the bible for the market.

TDB @ Tax Deduction Blog writes Brand New Spouse, Brand New Tax Issues-Enjoy – Awww, welcome back from you honeymoon in Bali, where the sun, sand, fragrances, and food provided a surreal paradise for you and your new spouse. You probably had a great time honeymooning and are looking forward to continuing that loving feeling now that you are back in the States. Unfortunately, you got married on February…

Shawanda @ You Have More Than You Think writes 5 Travel Hacks Learned at FinCon12 – If you follow me on Twitter, Facebook, or FourSquare, then you might’ve noticed I left my beloved District of Columbia for a few days. Where’d I go, you ask?

Daisy @ Add Vodka writes Teach People How to Treat You – Are we inadvertently showing people how to treat us in a negative way? I think that the majority of us are. I read this article from PR Daily called “25 things young professionals must know before 25?.

Jon the Saver @ Free Money Wisdom writes Most Popular Outsourced Jobs – Companies are outsourcing jobs more than ever these days. Learn about the most common outsourced jobs and how to avoid them!

Jennifer Lynn @ Broke-Ass Mommy writes Broke-Ass Monday; Free Stuff From Around the Web (9/17/12) – Read about all the great free stuff on the web!

Passive Income Earner @ The Passive Income Earner writes Forex: xe.com review – In a previous post about foreign exchange, I learned about xe.com as an online currency exchange house. I was quite eager to give it a try in order to avoid driving downtown just to exchange my US dollars.

Investor Junkie @ Investor Junkie writes LearnVest Review – Lately, there as been increased interest in encouraging women to learn more about money management, and get involved in their own finances — especially when it comes to investing. Enter LearnVest, a financial management web site aimed at women.

Jeff Rose @ Good Financial Cents writes How You Can Avoid Falling for the Latest Identity Theft Scam – dentity Theft is increasingly becoming a common crime because of unassuming people who take little care of their personal information. It is easier for Identity thieves to assume one’s life, especially now with all the new technologies readily available to them to commit the crime.

Jeff Rose @ Life Insurance by Jeff writes Life Insurance for Married Couples – When a couple first get married, the last thing either wants to think about is the inevitable—death. However, it is a realistic part of the cycle of life. While it’s not something to dwell on, it is a smart idea to keep in mind that one half of the married couple will die in the future, be it of old age or other unfortunate reasons.

Sean @ One Smart Dollar writes How to Go on Cheap Dates Without Being Cheap – Even after you’re married it is important to spend time together without the worries of kids or anything else that might be getting in the way. There are great options for going on a date and still keeping the cost low.

J.P. @ Novel Investor writes How Bond Ratings Work – Bond ratings make it easy for investors to understand the default risk of a bond, while still taking into account all the other risks.

Sicorra @ Tackling Our Debt writes Mortgage in Canada: What You Need to Know Before Applying for One – When it comes to mortgages in Canada things change quite quickly. In this interview Michael, a mortgage expert, brings us up-to-date and tells us what we need to know before applying for a mortgage.

Miss T. @ Prairie Eco Thrifter writes How to Take Advantage of the Hidden Job Market – Did you know that a considerable proportion of job openings are never publicly advertised? Here are some things I have learned about advantage of the hidden job market.

Evan @ My Journey to Millions writes Paying for Some of My New Home by Borrowing from Myself – I have had this idea in my head for a bit and I am almost positive I will not do go through with it, but I think it is an interesting topic nonetheless. As many readers know I am in the midst of selling my home and purchasing a new one. It is not even in question that I am going to put down at least 20% as to avoid PMI, but what if I put more money down? Specifically, what if “I borrowed money from myself” to increase my down payment and then focused on paying down those debts as quickly

Mr. Money @ Smart on Money writes Best Ways for Young Workers to Save for Retirement – Albert Einstein once described the principle of compound interest as one of the most powerful forces in the world. While he may have been exaggerating, there is some truth to that statement.

Ken Faulkenberry @ AAAMP Blog writes Shiller PE 10: An Important Stock Market Valuation Tool – An explanation of PE 10 as a stock market valuation tool. How to use PE 10 to improve long term returns and lower risk of portfolio drawdowns.

Peter @ Bible Money Matters writes Personal Capital Review: Manage Your Cash and Investment Accounts – One of the apps that has been gaining momentum in recent months is Personal Capital. This is a web-based application that works kind of like Mint.com, but takes it up a notch.

CF @ The Outlier Model writes Getting pre-approved for a mortgage – Getting pre-approval is actually a really good idea of you’re considering a home purchase because it really forces you to consider what is within your budget. After all, you wouldn’t want to fall in love with your dream home, only to have the banks refuse to give you a mortgage, right?

Steven @ Grocery Alerts writes Starbucks Rewards Program Changes – Oct 2012 – One of our favorite rewards programs, Starbucks Rewards, is making some major changes as of October 16, 2012. Major changes include no more soy milk and free syrups and free drink or food on your birthday.

Kim @ Modest Money writes Fostering a Pet Can Make You Rich – Fostering a pet is a wonderful way to test the waters of ownership before you take the plunge. You can potentially try it before you buy adopt it and see if you have what it takes to be a forever parent. Fostering also gives those on a budget a way to get the benefits of pet ownership without the costs.

Renee @ Nickel by Nickel writes Eliminating persky service and withdrawal fees and why you should too – How to eliminate unnecessary fees when paying for services, bank fees etc.

Savvy Scot @ The Savvy Scot writes The Financials Around Starting a Blog – Savvyscot discusses some of the key decisions that you will have to make when starting a job and where it is worth spending some extra money

Robert @ The College Investor writes The Riskiest Investments You Can Make – There are some investments that are much riskier than others. And these are investments that you should really think carefully about before jumping in. Because, even though they’re risky, when they do yield rewards, the rewards are typically large! So, here are the riskiest investments you can make.

Robert @ My Multiple Incomes writes When Your Job Just Isn’t Doing It for You – What do you do when your job just isn’t doing it for you like it used to? Don’t get me wrong, I love my main job in a lot of ways, but something is different than it used to be… Whatever the reason, my job just isn’t doing it for me like it used to. So what’s the plan?

Paul Vachon @ The Frugal Toad writes How to Save for a Home Down Payment – If you are planning to buy a home, you know it takes a lot of money. However, it takes a lot of planning as well. Here are some things to consider when saving money for a home, and what you need to do to get your finances in order so that you can afford a home.

Robert @ Entrepreneurship & Life writes How to Build an Entrepreneur’s Safety Net – In the article How 5 Top Bloggers Made the Financial Jump to Self Employment, you can easily see how a safety net is important for entrepreneurs. Here are the top things you need to focus on BEFORE starting your venture.

Little House @ Little House in the Valley writes I’d Rather Have My Raleigh – Now that I know more about bikes, I can’t just walk into a bike shop and say, “I’ll take that one!” Oh, no. Instead, I’ve done online research, narrowed it down to “needing” certain accessories on my bike and a style that very few of my bike shops within a 35-mile radius carry. I know since I’ve visited about 15 bikes shops within that range and can’t find THE ONE. I also have a set budget, limiting my options, but it’s high enough to satisfy my “need.”

Cash @ writes Getting Started on Taxes – I try to read a lot about taxes and know what is changing from year to year. I am concerned about the potential impact of the fiscal cliff as a result of changes in the tax code and on government spending and have been trying to pay off debt knowing that we might be entering another recession.

Cash Flow Mantra @ Cash Flow Mantra writes Getting Started on Taxes – I try to read a lot about taxes and know what is changing from year to year. I am concerned about the potential impact of the fiscal cliff as a result of changes in the tax code and on government spending and have been trying to pay off debt knowing that we might be entering another recession.

Penny Thots @ Penny Thots writes Not Having an Emergency Fund as a Financial Plan – Confession: I’ve never had a fully funded emergency fund and don’t plan on having one anytime soon. In my days of personal finance blogging, I’ve never really written how I feel about emergency funds. It’s not that I’m against them. It’s just that the importance of having one isn’t that significant to me. I almost thought I was alone in this line of thinking… until recently.

Miranda @ Financial Highway @ Financial Highway writes Steps to Buying a House – If you are interested in buying a house, though, there are a number of steps you need to follow. A home purchase is a major commitment. It’s not something to be taken lightly, especially since you will be asking a lender to allow you to borrow a large sum of money. You need your ducks in a row if you expect to successfully buy a home.

Dave @ Excess Return @ Excess Return writes Finding a Dependable Financial Advisor – Even the savviest of investment managers cannot singularly select and track stocks in different asset classes, and have experienced teams helping them with data collection and analysis. So an individual investor will likely not succeed at this new diversified market-neutral investing paradigm without help.

Glen Craig @ Free From Broke writes What Can You Expect From a Premier Credit Card? – Getting a premier credit card usually means a hefty annual fee but in some cases that fee may be well worth it. See what to expect in a premium credit card.

Glen @ Credit Card Smarts writes Citi Forward® Credit Card Review – Looking for a credit card that will reward you for paying on time? How about APR reductions when you spend wisely? Read on in our Citi Forward Card review for those features and more.

Ray @ How I Make Money Online @ How I Make Money Online writes How Much Can I Make With a Blog? – I will not sit here and tell you that you will be rich overnight and that you can make $20,000 a month, that’s all bull crap. But you can make a decent amount of money if you put the work into it.

William @ PT Money Personal Finance writes How to Prepare for the Effects of Inflation – Is “stagflation” on the horizon? If so, there are some things you should do with your income, investments, and expenses in order to prepare your household.

Lazy Man @ Lazy Man and Money writes Wills Vs Trusts Revisited – I went to see Janet Brewer an estate planning attorney in Palo Alto. She was kind of enough to offer a free hour consultation. What I found out was that we probably don’t need a trust.

Jacob @ I Heart Budgets writes How The Latte Factor Works In Real Life – The latte factor is a great idea in theory, but how does it work out in real life?

Jason @ Live Real Now writes Quit Smoking: My First Frugal Move. . .Ever – We weren’t making ends meet with two kids, how were we going to manage three? I dropped my pack-or-two-a-day smoking habit. But, I’ve gone over that before. This post is about how I actually quit

Beating Broke @ Beating Broke writes Killing Debt? Have a Realistic Budget – If you have decided enough is enough, and you want to be free of debt once and for all, you might be tempted to slash your spending and put all of your extra money on your debt. Be careful, though, because this type of plan can lead to a quick crash and burn much like a person on a crash diet will only follow the plan for a few weeks before giving up. Before you even begin to put extra money on your debt, you must first create a realistic budget.

Marie at Family Money Values @ Family Money Values writes How to Re-Charge your Family Meeting – Family meetings can be a great way to open up lines of communication between all family members – but what if the meetings get boring? Here’s how to spice them up.

Everything Finance @ Everything Finance Blog writes HMO vs PPO: Why I Choose to Pay More for Health Insurance – We currently have a PPO plan, and I have the choice to elect to go for the cheaper HMO option. However, despite the significant increase in health insurance premiums, I am choosing to pay more for health insurance and the main reason is flexibility.

Steve @ Canadian Personal Finance writes Free Your Budget With These Simple Tips to Reduce Credit Card Debt – If you are like most people, you probably have a credit card or two (or three, or four) sitting in your wallet or purse. In fact, the average Canadian carries a total credit card balance of over $3,200 at any given time. While this may not sound like a lot, credit card interest payments, fees, and penalties can eat at your monthly budget, making it difficult to save money or put it towards other more worthwhile expenditures. These tips will help you effectively put a credit card debt reduction p

Melissa @ Bargaineering writes 7 Ways to Protect Your Identity on Facebook – You can easily protect yourself and your Facebook account by taking just a few minutes to update your account. Here are some simple changes you may want to make to your account: