Welcome to this week’s edition of the Yakezie carnival. If you are not familiar, the Yakezie is a wonderful community of personal finance bloggers, many of them my personal friends, with a common mission of helping our readers improve their finances. These are the submissions of this week’s community round-up. Enjoy reading and discovering these great sites with their top posts of the week.
Darwin @ Darwin’s Money writes This is the Only Stock I’ve Bought in Months – 3D Printing About to Change the World – If you haven’t heard about 3D Printing yet, you will soon. It’s about to change the world and here’s the only pure play stock up 300% over the past year which has 3D printing at its core.
FMF @ Free Money Finance writes Should Americans Be Forced to Save for Retirement? – As we all know, Americans are dreadful at saving for retirement. I have run post after post throughout the years showing the stats of how ill-prepared most are for the day they won’t/can’t work. So what should we do about this problem?
Jason Hull @ Hull Financial Planning writes Why Do We Follow Celebrity Investment Tips? – From Justin Bieber to the Fonz, there’s a trend of celebrities telling us what financial products and investments to look into. Why do we follow what they say rather than doing our own homework?
Lance @ Money Life and More writes Why Is My Paycheck Smaller? Understanding Your 2013 Paycheck – If you’ve received your first paycheck of 2013 you’ve likely realized that your 2013 paycheck is smaller than your 2012 paychecks were. It is a sad realization but there are a few reasons why your paycheck may have gotten smaller in 2013.
Robert @ My Multiple Incomes writes New Year, New Multiple Income Goals for 2013 – Here is my December Multiple Income Stream Report. I’m going to keep this pretty short and sweet, but wanted to highlight a few things.
Robert @ Entrepreneurship Life writes Prepare for Opening Day – Our party promotion business opened with a bang on New Year’s Eve as we welcomed nearly 200 revelers to dance and party the night away. We learned a lot getting to that point, and I want to share what we learned.
Robert @ Kids Ain’t Cheap writes Breastfeeding at Work? – One sector of our health department is telling her, and all women, to breastfeed anywhere and everywhere while another sector is conflicting telling her to breastfeed privately and not at her place on employment, a restaurant.
Tushar @ Earn More and Save writes How to Apply for a New Job on the Down-Low – How to find better-paying career opportunities and apply for a new job without tipping off your current employer.
Corey @ 20s Finances writes APR vs APY: Understanding the Difference – When searching for a loan or savings product, you are quoted with the annual percentage rate (APR) and the annual percentage yield (APY).
TDB @ Tax Deduction Blog writes Social Security Secrets Congress Doesn’t Talk About – Everyone needs to have an idea of how Social Security is taxed, and this article features that information and what you need to know before you take that second job.
Tushar @ Start Investing Money writes Tips for Understanding Commodities Spreads – Let’s face it, the term commodities spread betting is enough to make most people’s eyes glaze over. But if you’re thinking about getting involved in commodities trading, it makes sense to find out everything you can about spread betting.
Jason @ Work Save Live writes How to Start and Use the Cash Envelope System – If you’re serious about getting your financial life in order, then learning how to use the cash envelope system will save you thousands of dollars over the course of the next few years and it will play an integral role in helping you manage money better.
Your Boss @ What Your Boss Really Thinks writes How Some Mormons Run Small Businesses in Utah – Story One My friend wants to quit her job. She barely started it a few weeks ago, and she already cannot stand it. It is not the job per se that drives her to the edge of insanity. It is the people. Or I should rather say, it is the business style of the company.
Evan @ My Journey to Millions writes January 2013 Net Worth Update – From December 2012 to January 2013 my net worth increased Decreased -1.76% My Net worth Increased in 2012 36.74% From January 2011 to January 2013 my net worth has increased 136.25%
Vipin @ The Investing Monk.com writes Gold resources list – The post describes various methods by which you can buy gold. In fact most people tend to think that the only way to buy gold is via gold coins or bullion bars. Gold ETF’s provide an easy way to own gold without the issues and hassles of storing physical gold.
Mike @ Personal Finance Journey writes New Year Plan – Its time to be settting Goals – A Simple Practical way to look at your financial goals for the New Year Plan. A guide to setting Goals for 2013 and starting your finance journey right.
Daisy @ Add Vodka writes 2013: The Plan – I know lots of bloggers don’t believe in resolutions, and I don’t really either. Frankly, most years when I make them they last until maybe March, upon which time I forget all about them…
Maria @ The Money Principle writes Do you have too much debt? At the beginning was…feeling – Here I set out the six signs that one may have too much debt. This can be a check list; answer ‘yes’ to four and you better get checking accounts.
Jon the Saver @ Free Money Wisdom writes 15 Ways To Upcycle and Save Money – Here are 15 awesome ways to reuse things around your home and save money in the long term. It’s easier than one would first think!
Luke @ Learn Bonds writes Buying Corporate Bonds – Your Free 11 Lesson Guide – Thinking about investing in corporate bonds but not sure where to start? Our free guide to buying corporate bonds was designed for you. Come learn today!
Suba @ Broke Professionals writes My Husband’s Coworkers Think I’m Cheap – I’ve always been proud of my frugal habits – until my love of saving money got me teased at my husband’s office party.
Matthew Allen @ The Pay Off Credit Card Network writes Apply for Discover Credit Card Review and My Experience – Did I ever apply for a Discover credit card? What kind of website would this be if we didn’t practice what we preach? I decided to “put my money where my mouth is,” and actually apply for a Discover credit card myself. In this post, I will share my exact experience with Discover via detailed descriptions, screenshots and periodic updates.
Kanwal @ Simply Investing writes The Top Ten Posts of 2012 – Happy New Year! Here are my top 10 posts from 2012. Investment versus Speculation Mutual Funds vs Simply Investing $321, 000 Lost to Fees Long Live the Dividend! My Best Investment Yet +275% Top 5 Reasons Why Mutual Funds Fail Paying Dividends Since the 19th Century Saving money for a vacation, car, or house? Don’t put that money in stocks.
Tushar @ Finance TUBE writes The Debt Movement is Here: Will You Join? – Today we will talking about the Debt Movement is Here: Will You Join? Debt is a tool which allows you to have something new which can’t truly afford. Most people take debt to buy a home, car or to go to college but this entire instance of debt may be considered as the necessities.
Jester @ The Ultimate Juggle writes First Dining Out Experience of the New Year – Read abount my family’s first dining out experience of the New Year
krantcents @ KrantCents writes My 2013 New Year’s Resolutions – My 2013 New Year’s Resolutions are a commitment to a variety of projects. I decided this year to embody the real meaning of resolutions. I recently shared that resolutions are a commitment, an individual makes to a project or reforming a habit.
Marvin @ Brick By Brick Investing writes Successful Investor Eliminate Debt – Detailed description of why it is imperative for you to eliminate debt if you want to become a successful investor.
PPlan @ Provident Plan writes How Your Identity Could Be Stolen – Identity theft happens to many people every year. Many people are unaware that they have even had their identity stolen.
Aloysa @ My Broken Coin writes Confessions of a Deranged Shopaholic – Hi, I am Aloysa, and I am a shopaholic. But you already know this. The other day, one of my friends asked me if I knew how much money I spent on shopping in 2012. I was clueless. But being curious by nature, I pulled up all my bank account statements and did some research.
Corey @ Steadfast Finances writes ‘Til Debt Do You Part: Should a Hidden Financial Past Stop the Wedding? Part Two – You are so excited about what the future holds for you and your beloved one until you show them your brilliant financial plan and they turn as white as a sheet.
NoTrustFund @ Where’s My Trust Fund writes Ten Things For 2013 and the Whys – Thinking about the Why when setting goals for 2013.
MMD @ My Money Design writes The Future of the U.S. Economy and Why We’ve Still Got a Long Ways to Go – Despite the outcome of the Fiscal Cliff, the future of US economy will still be inhibited when you examine some of the fundamental economic indicators.
Ted Jenkin @ Your Smart Money Moves writes Should My Wife Quit Her Job? – I saw this question on Yahoo the other day and thought how many times clients have asked me this question over the years.
SFB @ Simple Finance Blog writes What I Did Right This Year: Fully Funding My Roth IRA – My biggest financial goal of 2012 was to fully fund my Roth IRA. Here’s how I reached my Roth contribution limits to maximize my retirement savings.
Don @ MoneySmartGuides writes Six Money Moves to Make in 2013 – Recently, The Wall Street Journal posted a story about six money moves you should make in 2013. These aren’t the typical [increase your 401(k) contribution rate], but other financial moves that can have a big impact on your finances.
Roger the Amateur Financier @ The Amateur Financier writes The Best and Worst of 2012 – It’s still only a few days into the new year, which means that it’s still the perfect time to look back on what has happened this past year and see if I can
Jennifer Lynn @ Broke-Ass Mommy writes Resolutions for 2013. – Check out my new resolutions this year, modest but interesting!
Daniel @ Sweating the Big Stuff writes Have You Heard of Dependent Verification? – I can’t stand people who game the system at other’s expense…and insurance seems to perpetually fall into this category. This year, my employer announced a new program to combat insurance costs (i.e. fraud)
BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes UNIVERSAL LIFE INSURANCE – REALLY? – Those with dependents need life insurance. Don’t combine investing and insurance. Skip the universal life insurance.
Everything Finance @ Everything Finance Blog writes How to Stick with Your Goals for the New Year – For a lot of people, goals can be broken down into three sections: saving money, paying down debt, and losing weight/getting healthy. The easiest way to keep working hard at these general long-term goals is to break each goal down into smaller, more easily achievable steps.
CAPI @ Creating a Passive Income writes Bloggers Beware: Passive Income on the Rise – The web has become a proverbial madhouse of information, tutorials, and how-to websites as a growing number of people tap into the masses of people seeking guidance on everything under the sun. Blog topics are as varied as the people in this world and seek to occupy a new space in our hearts.
Passive Income Earner writes Best Mortgage Calculator – Find the best mortgage calculator out there amongst the banks and the alternate mortgage lenders.
Jason @ Live Real Now writes Net Worth Update – Here is my net worth update, along with the progress we made over the course of 2012.
Eddie @ Finance Fox writes 4 Avoidable Money Mistakes – When it comes to money there are many avoidable money mistakes to avoid no matter whom you are or at what age
Hank @ Money Q&A writes Lifetime Milestones When To Buy Insurance – With each new milestone in your life, your life insurance coverage may need to change. So, you must decide when to buy insurance. You need to check your coverage.
Miss T. @ Prairie Eco Thrifter writes How to Lose Weight after the Holidays – I however, am able to lose the weight after the holidays because I know how my body works. Learning how to work with your body will allow you to lose the extra weight you gained during the holidays.
MR @ Money Reasons writes Aggressive Financial Plans For The New Year – I’m tried of being normal. This year I’m going to explore more aggressive financial plans and I’m planning on doubling my net worth in five years.
Gary @ Gajizmo.com writes How Much Money Should I Save Each Month? – Once the bad habit of overspending is stopped and saving begins, the next question should be, how much do I save each month? The answer depends on your personal financial situation, but here are a few guidelines to fully fund your emergency savings, retirement, and any other special purchases you are saving towards.
A Blinkin @ Funancials writes Why I Think We’re Adding The Wrong Jobs – A lot of people played up the fall in the unemployment rate from 7.9 to 7.7 Percent as a sign that the economy is improving. I’m not one of those conspiracy theorists that believes all government numbers are fudged, but I think the media can do with them what they want.
Wealth Effect Blogger @ Your Wealth Effect writes What is your risk free rate of return? – There is usually a big difference between what the press says is a “risk free” rate of return and your “risk free” rate of return.
Invest It Wisely @ Invest It Wisely writes New Year’s Reading – To start the new year off right, check out three of my favorite articles
Little House @ Little House in the Valley writes Generational Family Businesses that Work – With any generational business, handing down a well-run business and then continuing to prosper by adding services or expanding, makes for a great business model.
Amanda L Grossman @ Frugal Confessions writes 4 Positive Financial Moves We Made to Our Bottom Line in 2012 – At the end of the year it always feels like time has slipped away for me.
Ray @ Squirrelers writes Spending More Money to Avoid Dental Pain – And Thankful for Doing It! – Sometimes we go through pain to save money, figuratively speaking. But it can also be literally speaking, especially when it comes to dental care. My experience is a vote for choosing less pain and more spending over more pain and less spending!
Crystal @ Budgeting in the Fun Stuff writes Budgeting in the Roommate Stuff – I was asked Can you do a post on how having roommates affects your budgeting? Yes, yes I can.
TTMK @ Tie the Money Knot writes Sperm Donor Asket to Pay Child Support: What Do You Think? – While child support can be a difficult topic in some people’s lives, some situations are different than others. The situation in this post might be put in that category of being out of the ordinary, and some people have strong opinions. What do you think?
DPF @ Digital Personal Finance writes Using Red Laser to Save Money – Saving money can be made easier by using certain smartphone apps. In this post, I discuss one that I’ve used for just that purpose.
Teacher Man @ My University Money writes How Much to Tip When You Are a Poor Student – The whole topic of how much to tip has been done to death in my opinion, but are “the rules” always the same for everyone?
Young @ Young And Thrifty writes Is a Costco Membership Worth It? – To figure out whether a Costco membership can really pull its weight, I am going to list the pros and cons of shopping at Costco.
Girl Meets Debt @ Girl Meets Debt writes Oh, Oh, Oh, She is a Princess – I have curbed my princess behavior as I matured over the years but I can definitely see a younger me when I see those princesses act self-indulgent and stupid with money they do not have. Let us see if we can learn a thing or two from these spoiled princesses.
Alexa @ Modest Money writes Modesty Really is the Best Policy – It is a completely natural feeling to want things and want them now. After all we are human beings. The key to getting the things you want is sacrifice. Live modestly now, live it up later.
harry campbell @ Your Personal Finance Pro writes Breathe New Life Into Your PC or MAC Computer – For the past 5 years, all of my personal computer use has been on a 2009 Macbook Pro that I got as a graduation gift. I didn’t have to worry too much about the cost at the time since it was a gift and I got a small student discount. But recently, I started to notice a huge performance decline, it was running slower and I couldn’t run multiple programs at once. This slowdown was bound to happen eventually but I knew I wasn’t ready to spend another $1,500 for a new laptop.
Ashley @ Money Talks Coaching writes Goals for 2013 – My dad used to scuba dive. I remember this one time when I was about 8 years old we went to Catalina with one of my dad’s friends so that they could go
PK @ Don’t Quit Your Day Job… writes Beware Those Bearing Market Predictions… – Options prices? Yeah, not the best predictor of S&P closing prices, at least not in 2012. An audit of the results of my experiment.
Joe @ Midlife Finance writes Resolve Your Future in 2013 – It’s fun to make predictions for the coming year. The only problem: once they’re in print, you’ll have to face it in January of the next year. Maybe you were right, maybe you weren’t.
Michelle @ Making Sense of Cents writes Keeping Up With The Joneses – It seems like everywhere I turn, a big purchase is happening to someone I know. A massive 3 story house, nice cars, fancy vacations, a new iPad every other month and everything else.
Josh Thompson @ Becoming Your Own Bank writes Why I Love Life Insurance – Some of the reasons I love life insurance and why it has been such a fantastic investment…
John S @ Frugal Rules writes What My Air Conditioner Taught Me About Saving Money – When our air conditioner broke in the heat of the summer I thought we’d have an expensive repair bill. Thanks to some quick thinking we were able to save some money and learn a little home repair trick in the process.
Jon @ Novel Investor writes Your Official 2013 Federal Income Tax Brackets – The 2013 federal income tax brackets were finalized on the first day of the new year. The tax tables are for the 2013 tax year, with taxes due April 2014.
Deacon @ Well Kept Wallet writes Get Paid to Lose Weight – Is one of you New Year’s resolutions in 2013 to lose weight? What if I was to tell you that there is a company out there that will pay you to lose weight. Seems to good to be true, right? Who would pay you to lose weight? HealthyWage.com, that’s who. My wife and I signed up last week and are super excited to participate in the challenge.
Paul Vachon @ The Frugal Toad writes How to Save Money by Buying a Used Car – Buying a new car is even more expensive than you think. Depreciation in the first year can cause you to be upside down on your loan. Find out why buying used makes cent$.
Chris @ Money & I writes Record Shops in London – Where to Buy Music? – A thrifty music freak/PF blogger explains where to find and how to buy amazing, yet still well-priced records in London.
FMF @ Free Money Finance writes Case Studies Of People Who Have Successfully Quit – In the following article, I share with you two examples of people who have successfully quit their jobs
Pauline @ Reach Financial Independence writes 13 money resolutions for 2013: #5 review your expenses! – This post is part of a 13 money resolutions series to kick start your finances in the new year and reviews all your expenses to keep only the necessary ones, lower or ditch the rest.
Emily @ Evolving Personal Finance writes December 2012 Month in Review: Money – Apparently we can’t spend $400 on phones and $500 on food – even though we saved for Christmas – and still come out of December unscathed!
Philip @ PT Money Personal Finance writes What Is an Entrepreneur? As Defined by Online Entrepreneurs – Everyone has a different definition for the term, “entrepreneur.” While at NMX last week, I asked several notable online personalities to give me their definition. Not surprisingly, no two definitions were the same.
Jeff Rose @ Good Financial Cents writes 70 Ways To Save Money – The truth is, there are always ways to pinch a penny, particularly if you’re willing to invest a little time. Here are 70 ways you can save money in your four biggest budget categories: food, transportation, housing, and health.
Grayson @ Debt Roundup writes 5 Pricing Tricks to Be Wary Of – Retailers and marketers do a very good job with getting us to part with our money. Here are some tricks they use that we should be aware of.
Glen Craig @ Free From Broke writes The Best 0% Purchase Credit Cards 2013 – Want to make a large purchase? Finding the best 0% purchase credit card offer can help you make your purchase as well as gain some nice benefits, payment terms, and more.
Jacob @ My Personal Finance Journey writes Step 1 in Personal Finance – List Out All of Your Financial Accounts and Calculate Your Net Worth – It’s never too late to achieve financial success. The first step one should take, according to an upcoming e-book written by Jacob from My Personal Finance Journey, is to list out all your financial accounts and calculate your net worth. This post details exactly how one should approach this step, and how it is important to revisit this step on a regular basis in order to achieve financial success.
KK @ Student Debt Survivor writes Embarrassed to Drive a Used “Beater” Car? I’m not! – Ever worry about what others will think about you when you’re driving a “wreck”? I’m not concerned.
Suba @ Wealth Informatics writes Negotiate your rent-A step by step guide to saving money by negotiating a lower rent – Negotiating a lower rent can save 1000s of dollar every year. Here is a step by step guide (including negotiation scripts)to walk you through the process of successful negotiation.
Rich @ Money Wise Pastor writes Why We Argue About Money in Front of the Kids – I know it’s a big no-no for couples to argue or fight about money in front of the kids. But my wife and I do it from time to time. And we think it’s just fine. Here’s why you should too.