Carnival of Money Pros

I’m very excited to host the Carnival of Money Pros this week!  Here are some of the posts that made the cut!

Glen Craig @ Free From Broke writes What is the Buffett Rule Tax Plan and Why Are We Hearing So Much About It? – The Buffett Rule keeps rearing it’s head as a means to help fix the budget deficit as well as make taxes fairer. See more on what the Buffett Rule tax plan actually is.

CCS @ Credit Card Smarts writes What is Credit Utilization and Why it Matters – An important factor in your credit score is your credit utilization. See what credit utilization is and why you need to keep track of it.

Dr. Dean @ The Millionaire Nurse blog writes Extra Money: What’s Holding Me Up? – Refinance and put extra money in your pocket. How cool is that? So why haven’t I refinanced, yet?

Jen @ Master the Art of Saving writes 5 Things To Consider Before Buying Your First Home – When the idea of buying a home first came to mind, years ago, I set some conditions to meet first. I figured that I would know I was ready to buy my first home.

Jason @ Work Save Live writes What To Do When Selling a House – 7 Things To Get it Ready to Sell – What To Do When Selling a House After looking at potential houses to buy over the last month, it AMAZES me how many people simply don’t get their house ready to sell.

Sustainable PF @ Sustainable Personal Finance writes Why You Don’t Want to Keep Up with the Joneses – Most of us have heard about keeping up with the Joneses, this article explains why you definitely should not do this!

A Blinkin @ Funancials writes Saving Money in a Home Office – If you run a home-based business, you probably have encountered this before…Since you’re not in a normal office, should you spend money on expensive equipment? Or are there other alternatives to suite my needs? It’s a question that office workers don’t consider – they just go to their copy room and utilize the vast array

Kyle @ The Penny Hoarder writes 9 Ways for Slackers to Make Money Playing Games – Nothing is better than making money from something you already love doing and after two years of writing for this blog, I’m starting to believe it’s possib

Kevin @ Thousandaire writes Cut Your Own Hair and Save $240 a Year – You can save a bunch of money by cutting your own hair instead of paying someone else to do it.

J.P. @ Novel Investor writes How To Find A Financial Advisor – Let’s face it, not everyone is equipped, comfortable or willing to do their finances themselves. If that’s the case, it’s a good idea to find a financial advisor to help you along the way.

Wayne @ Young Family Finance writes How to Save Money when Traveling – The past few weeks have been really busy with my family. My wife and I have been going to weddings left and right, as well as taking our annual vacation.

Jacob @ I Heart Budgets writes You Don’t Need a New Car! – Stop what you are doing, put your wallet down, and don’t buy a new car, because you don’t need one.

Suba @ Broke Professionals writes Crucial Questions To Ask When Hiring A Financial Planner – Crucial Questions To Ask When Hiring A Financial Planner is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. It can be difficult to hire someone who isn’t in your field of expertise.

krantcents @ KrantCents writes The 3 U’s of Success – The 3 U’s of Success is the twenty-first in a series of articles to help you reach your goal.

Jester @ The Ultimate Juggle writes Ways to Start a Business – Find out some of the many ways you can create your own business that don’t require taking out loans.

John @ Married (with Debt) writes Push Yourself, But Not Over a Cliff – If you’ve been following our debt payoff progress reports, you know that we are two months away from paying off approximately $100,000 in consumer and student loan debt.

Passive Income Earner @ The Passive Income Earner writes High Interest Account Review – We all keep some cash around for paying bills, for future spending or simply for emergency. While we may only keep that money for weeks or months, we all want to have it earn the best interest possible while it remains in the bank.

Don @ MoneySmartGuides writes You Don’t Have to Be Rich to Give Back – When thinking about giving to charity, there is a misconception that you need to have money in order to donate. This is not true. You don’t have to donate money. You can donate goods and time as well.

PPlan @ Provident Plan writes Why Conservative Christianity is Inherently Frugal – Find out why conservative Christianity can help many people and families save money.

MR @ Money Reasons writes Victory With REITs? – This is the victory that I’ve been having with REITs over these past 3 or 4 years. It’s been an exciting time!

Ashley @ Money Talks Coaching writes I H8 Debt – Hello!! I know I’ve been kinda MIA for a while. I’m going to use the excuse that I’ve been very busy with my new job.

Daniel @ Sweating the Big Stuff writes Is An Allowance for Kids A Good Idea? – How should kids be taught about money? Is an allowance a useful tool or is it bad for children?

ETZ25 @ Entertainment Timez writes Dividend Stocks For Entertainment Update 1 – This is our plan of action that we want to take and the entry point that we will make our first stock purchase for the dividend stocks for entertainment.

PITR @ Passive Income To Retire writes Funding New Business Ideas – Find out how I plan to fund new business ideas and why a small cash flow gives me the advantage.

Eddie @ Finance Fox writes No Degree? No Problem! 8 Six Figure Jobs That Don’t Need A Degree – There are many people who do not participate in post-secondary education, and still become successful earning six-figure incomes.

Jeremy @ Modest Money writes Why I Don’t Want A Smartphone – Ok I admit that part of me does really want a smartphone, but I am just not willing to get one right now. With my current situation, the negatives simply outweigh the positives.

Evan @ My Journey to Millions writes What the Hell Is Wrong with Some People? Emergency Fund vs. the Smart Phone – Nearly a third of Americans do not have any emergency savings but almost half has a smart phone? What is wrong with people.

Luke @ Learn Bonds writes Avoid This Common Mistake: Bond Funds are Not Only About Income – Although most investors in bond funds focus on Yield, there are actually 4 components to a bond fund’s return. Those who focus only on yield are missing the big picture, and could lose money as a result. The most important number is the fund’s total return, which is made up of the following 4 components:   1.

SFB @ Simple Finance Blog writes Is It Worth Holding Out For Your Home’s Asking Price? – $5,000 isn’t chump change – but it’s not the whole picture when trying to figure out whether to drop your asking price when your home’s on the market.

Beating Broke @ Beating Broke writes Bank Makes an Error in Your Favor – What Do You Do? – if the bank makes a $10,000 error, you’ll let them know. But, what if they make a $10,000,000 error? Just how tempting would it be to do just like this guy did, take the money out and put it into overseas accounts where it couldn’t be recovered by the bank, and make a run for it?

Corey @ Steadfast Finances writes The Hidden Costs of Owning a Smart Phone – Smart phones can be great to use, but they can cost an arm and a leg. Find out if it is worth the cost.

Daisy @ Add Vodka writes Informal Learning Through Blogs – I am a huge advocate for lifelong learning. I think it’s important to continuously develop oneself, learn new things, and gain new skills.

L Bee @ L Bee and the Money Tree writes What my father taught me about customer service. – I was busy yesterday celebrating father’s day! We met my brother for lunch and then went shopping at the outlet center and I did not get home until 6:30 or so and had to finish up the article due on my first freelance assignment.

101 Centavos @ 101 Centavos writes More Random Tips for the Kitchen – Yet another recycled post while we’re away galavanting around Europe. This one originally published in November 2010. More random tips for the kitchen: (1) Forget the salad spinner. It just takes up space in your cabinets. Rinse the greens in a regular colander, then place them on a clean kitchen towel.

Aloysa @ My Broken Coin writes Battling Shopping Addiction: Making Behavioral Changes – Do you have Shopping Addiction? Learn how to Battling Shopping Addiction by making behavioral changes.

Amanda L Grossman @ Frugal Confessions writes 20 Ways to Not Spend Money While Onboard a Cruise, and Still Thoroughly Enjoy Yourself – Cruises are not frugal ventures. Just to purchase the airfare and tickets can cost a small fortune, let alone actual spending once you reach your travel

Hank @ Money Q&A writes Why Every Renter Needs Renters Insurance – Every renter should have and needs renters insurance. Renters insurance is far too cheap and covers too many of your personal possessions not to protect yourself.

Theresa Torres @ CreditDonkey Tips writes Public Transportation: Communities of Health and Prosperity – Do you believe that using the public transportation system could make your life simpler, help save the environment and reduce your expenses? Here’s an infographic showing some statistics that will help you decide if public transit is right for you.

Shawanda @ You Have More Than You Think writes How Do I Get Out of Credit Card Debt? – Credit card debt is some of the most crippling debt you can have. You’re wise to get rid of it ASAP. Here are four ways ways to get out of debt without earning more money.

Jon the Saver @ Free Money Wisdom writes Things to Consider When Opening a Roth-IRA – There are some things you need to consider before opening a new Roth-IRA account. With this new knowledge, you can be confident in a new account.

Dave @ Financial Conflict Coach writes The #1 Cause of Financial Conflict – It doesn’t take much to plant the seed for conflict. In fact, roughly 90% of conflict, financial or otherwise, is caused by the same thing.

Peter @ Bible Money Matters writes Do You Set Goals? If Not, Here Is How You Can Benefit – If you are not the type who regularly sets goals, take the time now to sit down and write some goals for yourself as well as how you plan to accomplish them. I think you will be surprised by the progress you make once you take the time to write them down.

Mr. Money @ Smart on Money writes How to Enjoy a Cheaper Road Trip – A road trip can be a fun way to go on vacation. If you are careful about what you spend your money on, and if you plan ahead, it should be possible to enjoy an inexpensive vacation that helps you create plenty of good memories.

Crystal @ Budgeting in the Fun Stuff writes Mr. BFS Grabbed a New Hobby Job – The decrease in business has left us with some unexpected free time. Mr. BFS and I started looking into ways of monetizing that time.

Little House @ Little House in the Valley writes Buy to Rent Ratio – With 3.99% mortgage rates, now might seem like a great time to buy in most of the country. Actually, according to the Trulia price-to-rent ratio, anything under a ratio of 15 means it’s better to buy.

Jason @ Live Real, Now writes Beat the Check – I think most people who write checks have tried to rush a deposit in before a check clears, but now it is getting more and more difficult to do that.

Lazy Man @ Lazy Man and Money writes How to Start an Internet Reselling Business – To start your own Internet reselling business, all you need are a few quick tips to get started. The stories you may have heard of earning million dollar salaries in your first year are likely fairy tales, but if you use common sense and run your business intelligently, there’s no reason why you can’t generate solid profits by selling items online.

JP @ My Family Finances writes Frugalistas Know Better Than Income Over-Acheivers – I want to increase my savings; should I focus on cutting the frills from my budget or pursue new sources of income? Although most writers would agree that both are useful, bloggers tend to split into two groups: Frugalistas and Income Over-Acheivers?

Robert @ The College Investor writes How Your Insurance Company Gambles with Your Money – While insurance is there to protect you, companies wouldn’t sell it if it wasn’t profitable. Insurance companies perpetually play a game of risk – they essentially gamble with your money everyday.

Corey @ 20s Finances writes We Set Up a Fun Budget – I have previously talked about our jump in income over the past year. For those who don’t know, I started making a little money on the side from my new hobby and my wife got a promotion. We have been very diligent in saving and putting money towards retirement, but we never really gave in to some of our wants.

YFS @ Your Finances Simplified writes Why Mint isn’t better than Yodlee – While Mint is touted as one of the better online financial aggregators, it is not the best option for everyone. is!

Invest It Wisely @ Invest It Wisely writes Living to 100 and Beyond: Building an Infinite Portfolio – This is the fourth and final post in a series of articles on living to 100 and beyond. In this post learn about the importance of creating an infinity portfolio!

Maria @ The Money Principle writes There is nothing wrong with quitting; but you have to know what to quit and why are you quitting – We consider persistence important but it is even more important to decide what to quit and when to quit. The dip provide a reference frame.

Tushar @ Start Investing Money writes Got Credit Card Debt? Then Don’t Invest – As you’ll no doubt have noticed, the whole idea behind this website is to encourage and guide you in the process of investing money. But there are always caveats to this procedure. The main one is to note that debt should always be taken care of first.

Darrow Kirkpatrick @ Can I Retire Yet? writes What is Your Personal Rate of Inflation? – Watching and optimizing your lifestyle will pay greater dividends than the general wisdom about inflation allows. Prices do increase in some areas that we can’t control. But in many other areas, inflation can be muted, because technology plus our own behavior give us wide latitude to control it effectively.

Ryan @ Early Retirement Investments writes Spread Betting and the Stock Market – Learn about spread betting and the stock market, perhaps it is a strategy that you can use?

Jeff Rose @ Good Financial Cents writes How to Avoid Money Problems in Your Marriage – I’ve seen countless marriages ruined all because money got in the way. Either there wasn’t enough of it. Or there was too much of it. One spouse didn’t like how the other was spending it. The other spouse didn’t like to disclose what they were actually spending their money on.

Jeff Rose @ Life Insurance by Jeff writes How Your Driving Record Affects Your Term Life Insurance Rates – One question that gets asked that many people that are applying for life insurance forget that will be asked is “How is your driving record?”. Uh-oh….. If you drive like a Nascar driver and have been ticket for it, it could cost you.

Robert @ My Multiple Incomes writes How I Successfully Appealed My Home Appraisal – A few weeks ago I wrote about how my home appraisal was wrong, and how I had to appeal it. Let’s just say that sounds a whole lot easier than it actually was, but in the end it was worth the effort.

MMD @ MyMoneyDesign writes Be Careful With The 4% Rule for Retirement Withdrawals – How safe do you think the 4% withdraw rate is for your retirement, and what variables affect its success? Is there a chance you may want to start with a lower percentage?

Greg Field @ NerdWallet writes The CFPB Takes on Overdrafts – A rundown of how banks are still scamming their customers with overdraft protection scams

Miss T. @ Prairie Eco Thrifter writes Home Renovation Techniques – It is true that you definitely need money to renovate a home but spending more than you can afford is something that you can avoid. Here are techniques you can use to minimize your spending but still renovate your home.

Investor Junkie @ Investor Junkie writes Is It Possible to Make a Product Completely Safe? – As a business owner I would never knowingly hurt a customer, but unfortunately they might not see it that way. Without question, this means as a business owner you must protect your assets in case such a situation occurs. This increases the costs in doing business which ultimately affects your profit margin and/or the cost of the products you sell.

Penny Thots @ Penny Thots writes Tips for Choosing an Ethical Investment Fund – If you are worried as to how your money is being used in the majority of investments, your main concern will clearly be to ensure that any ethical fund that you opt for is in line with your ethical principles. This is undoubtedly something that should be given a lot of thought, but beyond this, there are other factors that should be considered as part of your decision.

Investor Junkie @ Investor Junkie writes Is Volatility Actual Risk? – This is something I think about a lot – is volatility in an investment a true measure of the investment’s riskiness? At some point this boils down into what you think about efficient market hypothesis. If markets always efficiently price securities, then more volatile stocks are riskier.

Steve @ Brip Blap writes In the Future, College will Be for the Rich and Smart – Wonder why the government wants every kid to attend college? Because you can’t discharge student loan debt – you’re on the hook whether you can afford it or not. So we all need to attend college, and a good one, and incur plenty of debt doing it. I didn’t buy it – I turned down the Ivy League and went to a state school, and still ended up with a six figure career.

AverageJoe @ Average Joe’s Money Blog writes 5 Summer Activities to Create Money Savvy Kids: High School – It’s hard to find ways to connect with your high school age kids this summer. Here are some ideas that worked in our house. The kids learned a ton and we had some great family time.

Everything Finance @ Everything Finance Blog writes Top 10 Frugal Tips – Part Two – People often turn to frugality in times of turmoil such as loss of income or hard economic times. However, frugality combined with making more money can help you grow your wealth faster than you may have thought possible.

Melissa @ Bargaineering writes How to Save Money on Kids’ Extracurricular Activities – Most kids today are involved in at least one extracurricular activity, if not more. All of these activities can add up both in terms of family finances and your time as a parent. However, if you have more time than money, you may find that you can negotiate the cost of your children’s extracurricular activities. Try some of these tips:

Sicorra @ Tackling Our Debt writes 20 Powerful Life Lessons – This is an uplifting and inspiring post that is full of quotes about what I’ve learned in life. Add in your thoughts.

Melissa @ Mom’s Plans writes Do You and Your Spouse See Finances Differently? – While my husband and I don’t have any large money disagreements, I do have one money pet peeve that I am sure many other partners have as well. Does the phrase, “Don’t worry, it will all work out” sound familiar?

Teacher Man @ Young And Thrifty writes Thank You To People With Credit Card Debt – Most personal finance-types out there have a real vendetta against those people that carry balances on their credit cards. They preach fire and brimstone to anyone that pays “low” credit card interest rates of 9-12% a month, and true eternal torment for those souls who get hit with the classic 19.99% rates. Not me, I love these people. THANK YOU

Teacher Man @ My University Money writes Leveraging Your Wealth to Prepare Your Children – The first investment I would recommend won’t be popular with many people out there, and that is a private school education. I think I can say with some authority that at this point, on the world stage, the vast majority of North American schools simply cannot measure up.

Michelle @ See Debt Run writes What to Do When You Get a Traffic Ticket – Find out what to do if you get a traffic ticket. It’s important to know the amount of your fine, whether you have to go to court and how your driving record is affected when you are issued a traffic citation.


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