Weekend Rambling – October 13

Sam @ Money Management Blog writes Pre-Tax vs. Post-Tax Income – Employed people tend to think about their pre-tax income. This is why I think so many employed people are likely to spend more than they earn, and self-employed people tend to be careful savers.

Sicorra @ Tackling Our Debt writes What is Debt Consolidation, and How Can It Help You? – When you are in debt, it can be difficult to know how to manage the situation. With so many accounts, and payments, and interest rates, it is easy to become discouraged. One way you can deal with this issue is to consolidate your debts.

Deacon @ Well Kept Wallet writes Why it Pays to Check Your Cell Phone Bill – This might be a shock to you, but there can be charges on your cell phone bill that you never authorized. The other day I was going through our bill and I discovered that there were charges for $9.99 from two different companies that I have never heard of before.

My Own Advisor @ My Own Advisor writes September 2012 Dividend Income Update – Find out where I am this month on my journey to earn $30,000 in tax-efficient and tax-free dividend income!

Steve @ The Loonie Bin writes Video on Dividend Investing – I really enjoyed learning how to make these videos and as you can tell from my first one, I’m getting a little better at it. The written word can be entertaining, but I’ve always enjoyed animation and find it’s such an amazing way of expressing yourself.

Jeremy @ Modest Money writes How Blogging Helped Land A Sweet Job – One of my priorities with my blog was to continue to expand my website marketing skills and beef up my resume. That way, even if my blog did not produce enough income early on I would at least be able to leverage it into getting a new job. Things did work out that way, but I never would have predicted the extent to which they did.

Savvy Scot @ The Savvy Scot writes Too Rich to Care – When asked “How much does a pint of milk cost?” What do you think famous / rich people answered? WARNING: This post might make you laugh!

Steve @ Canadian Personal Finance writes Top 6 Financial Cliches That Can Make You Rich – It is kind of funny how we often overlook the ultimate cliches that might actually make bill pay easy on our pockets, that is make us richer and help us afford more. So what are those little things that are applied to your daily schedule can make you rich? Before we discuss that in details here is some food for thought.

Mich @ BeatingTheIndex writes Touchstone Exploration: Growing Oil Production in Trinidad and Tobago – Touchstone is a junior producer with about 2,000 barrels of oil from the island nation of Trinidad & Tobago. Take a closer look at an established producer in an island flush with oil.

Steven @ Grocery Alerts writes Best Products to Buy in October – October is a beautiful time of year with the leaves slowly changing colours and the fun of Halloween. I wanted to share some ideas for products that are some good buys this month including camping equipment, air conditioners, turkeys, outdoor furniture and certain produce.

PITR @ Passive Income To Retire writes Buying a Home (Someday) and Why it Delays My Passive Income Goal – Find out how buying a home will affect my ability to develop passive income streams.

Jennifer Lynn @ Broke-Ass Mommy writes Financial Lessons I’ve Learned From Scrooge McDuck – It’s amazing what you can pick up from watching cartoons while you are with your child! Read what I learned from Scrooge McDuck

Corey @ Steadfast Finances writes Ways to Start a Business – Are you looking to start your own business? While the initial stage may be exciting when starting out on a journey like this, it is often the most challenging period for a small business owner. Not only are you tasked with creating the system or systems in order to increase later efficiency, you are also forced to come up with the funds to run the business.

Ashley @ Money Talks Coaching writes Child Support – I thought a lot about whether or not I want to post this article… which will become a (hopefully) short series.

John @ Married (with Debt) writes Wealth Has Little to Do With Income – For me, the definitions of “rich,” “poor,” and “middle-class” have very little (if anything) to do with income. And before you roll your eyes, this is not a sentimental post about how wealth isn’t measured by money, because YES VIRGINIA, it is measured in money.

Glen Craig @ Free From Broke writes The Difference Between a Hard Credit Pull and a Soft Credit Pull – Your credit is accessed in one of two ways – a hard credit pull or a soft credit pull. It’s important to know the difference. See what they are and how they affect your credit score.

CAPI @ Creating a Passive Income writes Tips to Create Passive Income – If you are trying to create a passive stream of income, you know that it needs to come continuously month in, month out in order to be passive. Some people need a capital base in order to create passive income such as online payday loans while other people can use savings. Once you have the The post Tips to Create Passive Income appeared first on .

Lance @ Money Life and More writes Two Huge Problems with Dividend Stocks Right Now – Dividend stocks have been quite popular lately and for a good reason. Most quality dividend stocks pay out a consistent amount of money on a fairly set time schedule. I have two problems that make me wary of dividend stocks right now so make sure you pay attention.

ETZ25 @ Entertainment Timez writes Is AIG The Stock For The Future? – So is AIG the stock for the future? It’s a gamble, but it has what appears to be pretty great potential for recovering now that it has paid most of the money it owes the government back.

Corey @ 20s Finances writes How Your Starting Salary Affects Your Career Earnings – Find out how what you make when you are starting out will affect your career earnings. You’d be surprised how different it is.

Bill @ Budgets Are Awesome writes How to Feel Rich Even if You Are Broke – See why saving small amounts of money is the same as having a lot of money. $10 per month is equal to $48,000 in your bank account!

Tushar @ Start Investing Money writes Lending Club: Peer to Peer Lending in the US – A form of lending that has become more prevalent in recent times is peer to peer lending. As the name suggests, it focuses on the idea of people lending to each other and to businesses, rather than using the banking system to facilitate such loans.

Daniel @ Sweating the Big Stuff writes What Happened To Flying Cars? – Hands down, my favorite futuristic aspect of George Jetson’s life was his flying car. Decades later, where is my flying car?

Jester @ The Ultimate Juggle writes Keeping Your Budget in Balance – Ten years ago if someone were to ask me about budgeting, I would probably say that it is pretty simple. In many ways, budgeting has been simplified, but in other ways, it is more difficult because of more options.

IMB @ Investing Money writes Accumulating Investments – How to Grow Investments Exponentially – Accumulating wealth is quite simple. It means years of sacrifice and aggressive investing, but it will pay off in the end.

Luke @ Learn Bonds writes Are your investments about to drop off the fiscal cliff? – How do you navigate the risky waters of the coming fiscal cliff? Positioning your investments for the fiscal cliff.

TRL @ The Retired Landlord writes Things to do before Buying a Rental Property – Find out what every real estate investor needs to know before buying their first rental property.

Todd @ Financial Mentor writes The Smart Alternative To Retirement Planning – It’s so “old-skool” to work like a dog for 40 years scrimping and saving so you can retire and do nothing of substance for the remaining 30 years. The New Retirement….

Jen @ Master the Art of Saving writes Stupid Sewer-A Mini Update – We’re all moved in, but it’s still a disaster here. OMG! All this stuff keeps coming up and needing to get done and so many expenses.

A Blinkin @ Funancials writes 2 Rules for Car-Buying and Maintaining Wealth – Rule #1- You should only finance a car if you have equal amount in savings. Rule #2 – You should only buy a car that costs 1/10 of your annual income. These 2 Rules for Car-Buying will also help maintain your wealth and grow your net worth.

Wayne @ Young Family Finance writes Are You Cut Out to be a Landlord? – I was talking with my brother the other day and the conversation moved towards real estate. My brother had a unique opportunity to buy his own house when he was in college. He lived in a fairly affordable area of town and spent the last two years and then two years in graduate school fixing up the house.

Roger the Amateur Financier @ The Amateur Financier writes World Domination 104: Choosing Your Cohorts – If you’ve been following along for the last several weeks, you’ve gotten most of the basics ready for a world domination attempt (or more than one; as everyone from Lex Luthor to Cobra Commander could tell you, this is the sort of endeavor that frequently takes more than one trial).

TDB @ Tax Deduction Blog writes Uncle Sam and the Trap of the Tax Scam – Did you know that income tax, originally, was only supposed to be implemented during times of war in order to fund war efforts? Sadly, the government hasn’t reread that section of the Constitution and has continued to tax American families even during times of peace (or relative peace). Many Americans, who know this fact, are…

Jason @ Work Save Live writes The Most Important Thing Small Businesses Should Be Concerned With – The following is a guest post. If you’re interested in submitting a guest post, please contact me. What’s Most Important for Small Businesses? It’s easy to get confused concerning what is really important in a business.

PPlan @ Provident Plan writes Hobbies with Low Costs – My wife and I were forced to find hobbies with low costs, but we did it. Find out how we budgeted for our personal interests.

Shawanda @ You Have More Than You Think writes How to Speed Up Slow Cooking – There’s only one thing I like hard and slow. Here’s a hint: It ain’t cooking. However, I’m a longtime advocate of slow cooking–as long as it’s easy.

krantcents @ KrantCents writes What Is Your Success Strategy? – Do you have a success strategy? Simple enough, it is a yes or no question. Then, why do so many people have difficulty answering the question? There is an implication that if you say no that you are a failure. So what! In order to succeed, you have to fail.

Vanessa @ Vanessa’s Money writes Inkjet vs. Laser Printers – Looking for a way to save money on printing costs? Ever wonder if laser printers are *really* cheaper than inkjet printers?

Debt Guru @ Debt Free Blog writes Why No Debt = Freedom – Find out why having no debt ultimately gives you a lot more freedom than the alternative. It’s a much better way to live.

Steve @ Ready To Quit My Job! writes Never Burn Your Bridges – Don’t burn your bridges because you never know when you might run into your boss (or their friends) again.

Invest It Wisely @ Invest It Wisely writes What Type Of Office Life Do You Have? – The following is the first staff post by Shondell from Call Me What You Want, Even Cheap.

Michelle @ The Shop My Closet Project writes The Island of Misfit Toys or Where do I get my gear – Rudolph the Red Nosed Reindeer is one of my childhood favorites! Living in Colorado there are a lot of expensive outdoor activities that I like to take part in. Snowboarding, golf, tennis, and riding my bike. So, how do you participate in expensive activities without spending a lot of money? Buy your equipment from a thrift store

Amanda L Grossman @ Frugal Confessions writes SwagBucks VS. Bing Rewards: Which Search Engine Rewards Program is Better? – Microsoft’s search engine Bing came out with a rewards program in a soft whimper launch in September 2010.

Your Boss @ What Your Boss Really Thinks writes Temp Agencies: Good Idea or a Career Buster? – Discussion if temp agencies is a good choice when you are unemployed, pros and cons of working for temp agencies.

Don @ MoneySmartGuides writes 5 Ways to Ensure You’re Frugal During Winter – With winter upon us, now is the time to start preparing for it. In this post, I am going to present five ways to ensure you are frugal during winter including your home, car and eating.

Crystal @ Budgeting in the Fun Stuff writes Home Buying History – Our First House – Since I should be away right now closing on our new house, I thought it would be interesting to take a look into our last house. Here is what it has cost…

Tushar @ Finance TUBE writes What Is Private Mortgage Insurance? (PMI) – Introduction:Today we will talk about Private Mortgage Insurance (PMI). Most people need to carry their mortgage when they purchase a home. When a lender allows taking mortgage with very little money down, they need to protect themselves. That’s where Private Mortgage Insurance (PMI) comes in.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes WHERE TO GET A HIGH RETURN ON MY CASH – I earn over 10% lending through peer to peer loans. See proof of my returns and read about the process.

Maria @ The Money Principle writes Interest rates for dummies – Interest rates can be confusing. This article explains some of the key concepts related to interest rates.

Pete @ Personal Finance Online writes MBAs: Top 20 Programs or Bust – Get the most out of an MBA by going to a top 20 school. ROI is everything!

SFB @ Simple Finance Blog writes The Inside Man: 5 Ways To Avoid Insider Trading – A quick primer on insider trading and 5 tips to recognize and avoid any illegal insider trading activities.

Jon the Saver @ Free Money Wisdom writes Delayed Gratification – It’s How the Rich get Rich – Rich people get there by being frugal and waiting things out for the long haul. We can all learn a thing or two from rich people’s practices!

SBB @ Simple Budget Blog writes Why a Healthy Lifestyle Can Save You Money – Find out why living a healthy lifestyle and abiding by your budget are not contradictory. Learn to save money by getting out and eating healthy.

Suba @ Broke Professionals writes How to Manage People – Part 1 – Knowing each and every one of the people that you manage helps you understand how to assign the work, who might want and benefit from extra training, who might need a mentor and who might be a mentor for someone else. It lets you develop each person and the team to their, the company’s and your benefit.

Passive Income Earner @ The Passive Income Earner writes Family Finance: Ways To Access Money – Do you need to access money from time to time? I try to plan ahead but life is full of unforeseen events I run a tight budget and I have not seen the need for an emergency fund considering my access to money. Interestingly enough, I do feel that I have tight months at times. It may be stressful for some but for our family it’s not.

Ted Jenkin @ Your Smart Money Moves writes Is Georgia One Of The Best Tax States To Retire In Today? – Inevitably all of us have the dream of being able to make work optional.

JP @ My Family Finances writes Which Families Lost the Most Wealth in the Great Recession? – Average household equity dropped by 25 percent and stock investments by more than 50 percent. Most families lost wealth, but some were hit harder than others.

Eddie @ Finance Fox writes Do You Need a Career Change? – A career change is a big decision. It can affect your life, your family’s life, your finances, retirement and basically everything around you.

Sustainable PF @ Sustainable Personal Finance writes Thrift Stores as Part of Your Sustainable and Frugal Lifestyle – One of the best ways to live sustainably and frugally is to do your shopping at thrift stores. You can save money, and at the same time reduce the number of resources being used up. Sustainable Living with Thrift StoresMany consumers make a big deal of using products made from recycled materials. This is a good thing, of course.

Daisy @ Add Vodka writes Why I Live in A Bad Neighborhood – After writing the post last week about living in a bad neighborhood, many readers and commenters asked me why I still live here. Why don’t we move to a better neighborhood? I have an odd way of thinking about living quarters.

Jamie @ Financial Footsteps writes How Granny Saves Me a Fortune on Gift Cards – Granny saves me a fortune on gift cards. I buy them online to save on everything from prescriptions to Subway sandwiches.

Sean @ One Smart Dollar writes Common Home Buying Mistakes – Buying a home is the single biggest purchase most of us will ever make. Here are a few tips to make sure you don’t spend more money then you should.

Timothy Artisan @ Wealth Artisan writes Dividend Yield Formula – Dividend Yield Formula- I discuss what the Dividend Yield formula is, how it is calculated and why it matters to your dividend stock portfolio and dividend investing.

Jeremy @ Modest Money writes Tempted To Join The Smart Phone Masses – Back in June I posted about how I do not want a smart phone. Well I hate to admit it but I am awfully tempted to join the masses.

MMD @ My Money Design writes My Cash Flow Plan – September 2012 Update – Check out my updated cash flow plan for dividing up my income in a way that helps to achieve each of my financial goals.

Deacon @ Well Kept Wallet writes Why MPG Matters When Buying a Car – One of the most damaging yet silent expenses to your bottom line can be the cost of gasoline for your car. With gas prices at an average of $3.818 per gallon it is becoming clear that if you want to save money, buying a car that has good MPG (Miles Per Gallon) is the way to go.

Joe @ Midlife Finance writes 5 Painless ways to help your (Grown) kids – Want to give your kids a boost? It’s easy to help them out without straining your pocketbook or energy….if you choose carefully.

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